New home, New Debts, New Diary/Budget

Penny2myName

Well I would say on the whole I am now settled into my new home. Still need to get a carpet for the lounge though I am actually thinking of having it laminated. Still need to get daughter's carpet laid, and a small table/breakfast bar for the tiny kitchen.

Income £990.88
New household costs

£11.65 TV Licence

£35.00 Gas (gone down till price hikes kicked in)
£25.00 Electric
£12.38 Insurance (gone down)
£33.80 Water (gone down)
£20.00 Sky
£12.00 Phone
£15.50 broadband and second phone line (worked out cheapest this way)
£165.33 Total

Debts
1st August 2008

Littlewoods£2231.30, £36.28
Vanquis £773.96, £100.00
DFS Dining £332.22, £19.64
DFS Sofa £1419.68, £83.51
Overdraft £134.43, £134.43
LaRedoute £49.90. £49.90
Total = £4941.49, £423.76

Other Costs

£235.00 Holiday Cottage

£824.09

Savings

ICICI Bank £20
Bradford & Bingley £31
Total = £51

Remaining £115.79, for shopping and any other spends.

Penny2myName

To try and help slim down my shopping costs for the forth coming months, I have decided to start bulk buying. This has consisted of:

£15.99 =11.4kg (120 washes) Daz washing powder
£9.49 = 17kg Wagg complete Dog Food
£7.99 = 5kg Jolly's Dry Cat food
£2.97= 3kg Pasta twists
£2.00 = 3kg sugar (3 standard bags)works out around 66p a bag.
£2.18 = 8 tins of Branston Beans
£40.62
Still need to bulk buy cat litter and kitten food ready for weaning.
Bulk buys still required
Bread flour
Plain flour
Self raising flour
Cathedral Cheese whilst on offer
Rice
Pasta sauces
Curry Sauces
Branston Beans whilst still on offer.
Toilet Paper whilst on offer

Sure in time I will think of more stuff and buy it.

Penny2myName

Been and bought 3 cathedral cheeses and discovered 500g Frosties for £1 at autumn meadows, so think I shall stock up on these. Spending the total of £7.00 on stock up.
Also treated myself to a bottle of Lambrusco at £1.79 to lighten up my evening meals for the week. But forgot the Lemonade I use to water it down so need to take another walk back. Good Job I can deal with value lemonade in wine. so just 21p to add to my shopping list.
Total Spend £8.00

Penny2myName

Well the litter of kittens is costing me a fortune, accidentally stood on one :eek:the other day and it cost me £81.39 in total to have it x-rayed and checked out. Good new is there was no damage, but got to take him back in a couple of days for a complete all clear check up.
On a more positive note, I have been asked out on a date:o. Never really done the dating scene, so when he asked me where would I like to go, all I could think of was to vist Cusworth Hall, its local, I have a rough idea where it is and its FREE:T. Not sure what to do afterwards, as I believe he is hoping we go for a meal at some point.
Just really nervous. Don't even know where to suggest going if he does want to go for a meal, as I don't really do meals out. On the odd birthday i may treat the kids to Pizza hut, but that's it.
He is having to do a 4-5 hour drive to get here, so I would like it to be enjoyable and a nice experience for him too.
He's in a head managerial position, whilst my last job I was a cleaner. Think our ideas of socializing and that may/could be very different. If only I was back on holiday with the kids, and so was he. Was so much easier there just relaxing back in the bar watching the kids.
Can't believe I am having what could almost have been a holiday romance 1yr 2 weeks after the holiday...lol.

sophie27

Good luck with the date!

I live in a absolutely tiny house and wish could do more bulk buying, totally makes sense. I have a Makro card and sometimes go wild but when I get home I'm like hhhmmmm where is it all going to go.............

Penny2myName

Just seem to be paying out and out and out lately. Really want to tighten my belt. So far I have bought my son a bike for his birthday, bought a skinny table for kitchen so we actually have somewhere other than the lounge to eat meals, sent a cheque of to pay for our one week holiday for the year. bought part of the new uniforms, still have lots more to buy as 3 kids and two are now in new schools.
Really need to slim my spending down, want to know I will be covered in savings for incase my energy costs are end up being more than expected. With moving I dont have any idea what my costs will be during winter here. Got used to a really good economical heating system at old house.

Penny2myName

Household costs

£11.65 TV Licence
£35.00 Gas (gone down till price hikes kicked in)
£25.00 Electric
£12.38 Insurance (gone down)
£33.80 Water (gone down)
£20.00 Sky
£12.00 Phone
£15.50 broadband and second phone line (worked out cheapest this way)
£165.33 Total

Debts
1st September 2008

Littlewoods£2195.02, £116.78 (£151.28 with customers)
Vanquis £870.00, £100.00 with luck
DFS Dining £312.58, £19.64
DFS Sofa £1336.17, £83.51
Overdraft £195.24, £195.24
LaRedoute £12.90 £12.90
Total = £4921.91, £518.07

Other Costs

£55.00 Holiday Cottage
£ ??.?? Train tickets
£45.00 Event ticket

£

Savings

ICICI Bank £20
Bradford & Bingley £30
Total = £50

Penny2myName

Just been looking at income, outcome, and I am not going to have my O/D paid off in September. If anything its going to be around the same. Things seem so tight at the moment. This past month really didn't help, but atleast alot of the large things I paid out for dont need paying out for again. They were just large one offs so to speak. Due to all the extras I had to pay for this month, I ended up only being £20 less indebt this month to last month, infact £19.58 less in debt this month compared to last. Its just leaving me feel so miserable at the moment.

Penny2myName

NOTE FOR SELF
Electricity opening reading for Scottish Power is 02879 taken at 19:40 on teh 31st August.

Penny2myName

The £50 will be used for the rest of the accom, that's what the savings account is for.

Penny2myName

think you have missed the point, my main moan was the fact the O/D WONT be paid off this month, and I was hoping it would be.