New home, New Debts, New Diary/Budget

Penny2myName

No it was at the back of Wheatley Hall Road (more precisely at the back of Utopia Bathrooms) you can also keep chickens and rabits there, and I got it real fast, as they allotment society were advertising at a stall at the Wheatley Gala, week after I moved into house.

lauradora

no wondered you struggled getting there then, but are you living near there now?

Penny2myName

Yeap, but still roughly a half hour walk for me. Will miss the old worldie style of community that prevailed there, but feeling more positive to tackle my gardens now that I have handed my key back in and given plot up. Have planted a few things in pots for now.

Well really need to get back on the ball as far as meal planning goes, especially with the increased minimum payments to Littlewoods. My food shopping is very haphazard of late, and dont think I have done a proper meal plan, since moving at end of June.
Plan so far
This week
Pies, mash and beans (need to buy some chicken & veg pies and beans) Tuesday
Baked potatoes and sweetcorn (need to buy some sweetcorn) Wednesday
Spag bol, Cheese on toast for me (need to buy mince & cheese) Thursday
Egg & Chips (need to buy both) Friday
NO IDEA for weekend yet

Next Week
Salmon, new potatoes, carrots and peas (need to buy carrots) Monday
Pies Mash and beans Tuesday
Baked Potaotes and Cheese (need to buy cheese) Wednesday
Spag bol for kids, Cheese on toast for me (need to buy Mince) Thursday
Egg & Chips Friday
NO IDEA for weekend yet

Shopping list so far then is
Chicken & Veg pies
Beans (4)
Sweetcorn (2)
Mince 2lb
12 Eggs (free range from local cafe for £1.60)
Frozen oven chips
Cheese
carrots

Penny2myName

Been applying for a few jobs today, unfortunately they all went straight to answer machines to leave my contact details. Soo hate that!!!
Made 60+ buscuits, using some of the wholemeal flour my mate bought for me in bulk, after telling me it was bread flour (ended up its NOT) so trying to use up 7 bags in different ways.

Penny2myName

Well did a mixture of 1:2 mixture of the wholemeal flour with the white bread flour and it tastes ok. just test eating it now. Its pale enough that daughter wont complain too much either. Thought I would fancy some of it up also, so one small loaf has sweet pepper, onion and grated cheese on top, which tastes lovely.

Penny2myName

Total spend for 12 Oct 2008 - 18 Oct 2008: £195.50:eek::eek::eek:


ALCOHOL
2008-10-17 Lambrusco £1.79
TOTAL FOR ALCOHOL £1.79
ANIMALS
2008-10-12 Dry cat Food £0.92
2008-10-17 Dry cat Food £1.05
TOTAL FOR ANIMALS £1.97
BAKING
2008-10-17 lard £0.59
2008-10-17 sugar flowers £0.49
2008-10-17 Vanilla flavouring £0.24
TOTAL FOR BAKING £1.32
CLEANING
2008-10-18 Stardrops £0.99
TOTAL FOR CLEANING £0.99
COLLEGE DRINKS
2008-10-13 Tea £0.60
TOTAL FOR COLLEGE DRINKS £0.60
COLLEGE FOOD
2008-10-14 veg cuppa soup £2.09
TOTAL FOR COLLEGE FOOD £2.09
DEBT
2008-10-17 DFS Dining £19.67
TOTAL FOR DEBT £19.67
DRESS MAKING
2008-10-18 Black Cotton £0.50
TOTAL FOR DRESS MAKING £0.50
DRESS MAKING/CREDIT CARD
2008-10-13 Patterns (6) £35.94
2008-10-18 Import Charges £48.20:eek::eek::eek::eek::eek:
TOTAL FOR DRESS MAKING/CREDIT CARD £84.14
FOOD
2008-10-12 Cornflakes £1.49
2008-10-12 milk 4pts £1.49
2008-10-12 mozzarella £0.25
2008-10-12 new potatoes £1.39
2008-10-12 Orange squash £0.45
2008-10-12 Potatoes £1.69
2008-10-12 Shredded Wheat £1.47
2008-10-13 Butter £0.96
2008-10-13 Tea bags £0.86
2008-10-14 Beans (4) £0.99
2008-10-14 Carrots £0.40
2008-10-14 Chick Veg Pie £0.74
2008-10-14 Cottage Pies £0.53
2008-10-14 Garden Peas (2) £0.80
2008-10-14 Garlic Bread (2) £0.66
2008-10-14 milk 4pts £1.53
2008-10-14 Oven Chips (2) £0.80
2008-10-14 Roast Potatoes (2) £0.80
2008-10-14 Sausages £2.00
2008-10-14 sweetcorn(2) £0.38
2008-10-14 Yorkshire puddings (2) £0.60
2008-10-16 milk 4pts £1.54
2008-10-17 Cheese £1.62
2008-10-17 pomegranate £0.25
2008-10-17 T-bags £1.87
TOTAL FOR FOOD £25.56
GARDEN
2008-10-12 Snowdrop bulbs £1.59
TOTAL FOR GARDEN £1.59
HOUSEHOLD
2008-10-18 Curtain clips £3.20
TOTAL FOR HOUSEHOLD £3.20
OTHER
2008-10-12 Bag £0.09
2008-10-14 string £0.49
TOTAL FOR OTHER £0.58
SAVINGS
2008-10-13 ICICI bank £1.00
2008-10-14 ICICI bank £1.00
2008-10-15 ICICI bank £3.00
2008-10-16 Brad £5.00
2008-10-16 ICICI bank £1.00
2008-10-17 ICICI bank £1.00
TOTAL FOR SAVINGS £12.00
TOILETRIES
2008-10-16 Avon £20.00
TOTAL FOR TOILETRIES £20.00
TRAVEL
2008-10-13 Kieran Fare £1.60
2008-10-13 Serena fare £1.60
2008-10-14 Kieran Fare £1.60
2008-10-14 Me Fare £3.50
2008-10-14 Serena fare £1.60
2008-10-15 Kieran Fare £1.60
2008-10-15 Serena fare £1.60
2008-10-16 Kieran Fare £1.60
2008-10-16 Serena fare £1.60
2008-10-17 Kieran Fare £1.60
2008-10-17 Serena fare £1.60
TOTAL FOR TRAVEL £19.50
TOTAL £195.50

Really need to get a handle of my finances again. So looking forward to AFTER my holiday. All savings have been arranged to be transferred next week into my normal account, ready for the holiday. Kids accounts have been cleared and put into envelopes for their spending money. 10 days till holiday. I have packed my suitcase, have just started on the first skull fleece for one of my boys, and have everything washed ready to be ironed and packed for the boys. Daughter is still deciding what she wants to take. Need to renew my family rail ticket this week, otherwise the train tickets i have wont be worth the card they are printed on. But then thats the last payment for the holiday costs (apart from event ticket that is coming out of MY 'holiday spends' if everything goes to plan).

Penny2myName

Bought my family rail card for holiday yesterday. Have packed everything but underwear and footwear so far. DD's spending money is in her cashcard account, the boys is in a sealed envelope each with their names on. Have started making the first fleece, not sure I will get both of them a fleece made before we go away.
When we get back am going to have to budget to get DD all new underwear (she has started to poke very obviously, so time to upgrade from vests. Guess at 14 its about time her body started to change, but she is still only the size of an 8-9 year old, 10 at a real push.

DD finally noticed that the bread i have been making has wholemeal in it, but she has been eating it all week without complaint, so cant start now...lol.

Penny2myName

Called round to a couple of friends earlier, and really really really enjoyed having the two coffees that were made for me. Just another 64 days to go before I can buy it again myself... I will manage the challenge I will I Will I WILL!!!!

Penny2myName

Just been looking at all my totals, and my debt total has risen by £188.64, this past month. Really cant wait for holiday to be over, then I can seriously start tackling and dealing with these debts. At present rate its working out at £83 a month paying off my debts. I should be getting rid of around £300 min a month. instead it just keeps creeping up and up in debt and down and down in payments
I know the reason for this months, it due to all the material and patterns I have bought in. £314.32 worth in total. Well guess the way I should look at it is that all material is in now, so dont need to buy anymore, and kids end up with a few new outfits..

Penny2myName

Total spend for 19 Oct 2008 - 25 Oct 2008: £141.09

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ALCOHOL
2008-10-25 Lambrusco £1.79
TOTAL FOR ALCOHOL £1.79
ANIMALS
2008-10-19 Cat food (6tins) £2.70
2008-10-24 Cat Litter 20L £4.36
2008-10-24 Dry cat Food 4kg £3.27
2008-10-24 Dry Dog Food 10kg £8.56
TOTAL FOR ANIMALS £18.89
BILLS
2008-10-24 Virgin Media BB £15.50
TOTAL FOR BILLS £15.50
CHRISTMAS GIFT
2008-10-24 water fountain £4.00
TOTAL FOR CHRISTMAS GIFT £4.00
CLOTHING
2008-10-24 Serena 1st Bra £4.00
TOTAL FOR CLOTHING £4.00
DRESS MAKING
2008-10-20 Pattern fleece £4.08
2008-10-20 waistcoat £3.50
TOTAL FOR DRESS MAKING £7.58
FOOD
2008-10-19 milk 2ltrs £1.40
2008-10-19 weetabix £1.79
2008-10-22 Beans £0.29
2008-10-22 milk 4pts £1.30
2008-10-24 Beans (16) £4.00
2008-10-24 bread £0.90
2008-10-24 Bread Flour (2) £0.96
2008-10-24 Chippy £3.98
2008-10-25 bread £0.27
2008-10-25 Cheese £1.05
2008-10-25 Margarine £0.79
2008-10-25 milk 2ltrs £1.30
2008-10-25 Sugar £0.79
2008-10-25 yougart (4) £0.21
TOTAL FOR FOOD £19.03
MOBILE TOP UP
2008-10-23 Credit £5.00
TOTAL FOR MOBILE TOP UP £5.00
SAVINGS
2008-10-20 ICICI bank £1.00
2008-10-21 ICICI bank £1.00
2008-10-22 ICICI bank £1.00
2008-10-23 Brad £5.00
2008-10-23 ICICI bank £3.00
2008-10-24 ICICI bank £1.00
TOTAL FOR SAVINGS £12.00
SCHOOL
2008-10-24 Non Uniform Fine £2.00
TOTAL FOR SCHOOL £2.00
SOCIALIZING
2008-10-23 Cinema (birthday invite) £4.60
TOTAL FOR SOCIALIZING £4.60
TRAVEL
2008-10-20 Kieran Fare £1.60
2008-10-20 Serena fare £1.60
2008-10-21 Kieran Fare £1.60
2008-10-21 Serena fare £1.60
2008-10-22 Family Rail Card £24.00
2008-10-22 Kieran Fare £1.60
2008-10-22 Serena fare £1.60
2008-10-23 Kieran Fare £1.60
2008-10-23 Serena fare £2.40
2008-10-24 Kieran Fare £1.60
2008-10-24 Me Fare £3.50
2008-10-24 Patrick Fare £0.80
2008-10-24 Serena fare £1.60
TOTAL FOR TRAVEL £45.10
TREAT
2008-10-22 Parkin £1.60
TOTAL FOR TREAT £1.60
TOTAL £141.09

Not as bad as last weeks, but still would like to be under £100 each week (apart from first week of each month when most bills are paid.