New home, New Debts, New Diary/Budget

Penny2myName

Have just transferred £60 across into my basic account, used the overdraft, but this is in lieu of of my maintence, as ex pays that into a different account and only want to take my basic account card with me on holiday.

Actually cash I have £4.01 to last till we go on holiday on Wednesday.Will have a look what bargains I can find at local store for 2x teas, 1x lunch and 2x breakfasts. Got some roast potatoes and tons of beans in, so think its roast beans and what ever i can find to go with it for tea tonight, then I can unplug freezer so it can defrost whilst I am away (saving on electric usage).

Penny2myName

I was a bad girl and ended up taking my credit card which I used to within £60 of its limit. Now holiday is out of the way, it is time to cut the card up as kids have already been informed we are not going on another holiday until I am debt free and the holiday is saved up for to be paid in whole first.

Tomorrow I need to buy food in, so cant start my NS challenge till then. Also I was bad on holiday and ended up buying some coffee, was on Special in Somerfield, two 100g jars of decaf for price of one at £2 odd, need to unpack receipt yet. so thats my 100 day challenge harmed.

Now I finally have the ice box warmed back up, have set the heating for 7 hours a day, 2 in morning and 5 in evenings, that keeps the house warm when the kids get home from school to going to bed. With the i-measure site I shall start to place that amount of money into special pots to cover the costs over and above my DD payments.

Penny2myName

Well I finally done it, and I did it on Cam with my mate. I CUT up my credit card. Her reaction was OMG,
OMFG you actually done it.
Have put the cut up pieces into a sealed envelope. When I get some better scissors will cut it into smaller pieces for saftey reasons. Then stick in another sealed envelope.

Penny2myName

Been a good girl and called up Sky and cancelled my subscription, so that should cover the costs of my new Electricity payments, which have risen by £10. Also leaves £10 over to go towards extra Gas payments.
Found an avon leaflet on my doorstep yesterday with what I hoped was an area manager (been trying to find out who the local one was since I moved) ended up being a sales rep, but she gave me the number for local area manager, so I have called her and she is going to try and arrange for me a 'territory' so I have more than 5 customers that live 8miles & two buses away from me. So hopefully by new year I can start actually earning some extra cash.
Now to take a walk and pick up a sewing box i saw advertised on freecycle. (after I have had my coffee)

Penny2myName

Spent this morning doing a on-line Bulk food order
Item Quantity Price
Plus cin - AA Duracell Aa 8Pk And Aaa 8Pk 2 For 5 Batteries 2 For 5 (Offer ends 31/12/2008) 1 4.99 (Well Christmas is coming)
Plus cin - AAA Duracell Aa 8Pk And Aaa 8Pk 2 For 5 Batteries 2 For 5 (Offer ends 31/12/2008) 1 4.99 (Well Christmas is coming)
Casserole mix - beef in ale ASDA Brand Packet Sauces 4 For 1 (Offer ends 31/12/2008) 1 0.45
Casserole mix - chicken chasseur ASDA Brand Packet Sauces 4 For 1 (Offer ends 31/12/2008) 1 0.45
Simply Sausage - BBQ Chicken Tonight 3 For 2 (Offer ends 18/11/2008) 1 1.37
Pasta sauce - bolognese 10 2.40
Cheese sauce ASDA Brand Packet Sauces 4 For 1 (Offer ends 31/12/2008) 4 1.80
Beef tonight - beef bourginon Chicken Tonight 3 For 2 (Offer ends 18/11/2008) 2 2.70
Sausage cook in sauce red wine and onion Chicken Tonight 3 For 2 (Offer ends 18/11/2008) 1 1.37
Chicken Tonight - classic chasseur Chicken Tonight 3 For 2 (Offer ends 18/11/2008) 1 1.35
Chicken Tonight - Spanish chicken Chicken Tonight 3 For 2 (Offer ends 18/11/2008) 1 1.33
Casserole mix - bourguignon ASDA Brand Packet Sauces 4 For 1 (Offer ends 31/12/2008) 1 0.60
Casserole mix - coq au vin ASDA Brand Packet Sauces 4 For 1 (Offer ends 31/12/2008) 1 1.87
Bread mix - granary Bread Mixes 2 For 1 (Offer ends 31/12/2008) 2 1.44
Bread mix - white Bread Mixes 2 For 1 (Offer ends 31/12/2008) 2 1.36
Strong white flour 5 2.40
Fairtrade tea bags Any ASDA 80S Tea 2 For 2 (Offer ends 31/12/2008) 4 6.16
Baked beans Branston Beans 4X420G - 2 For 2 (Offer ends 18/11/2008) 4 7.84
Pasta 'n' sauce - bolognese Batchelors Pasta N Sauce And Supernoodles To Go 5 For 2 (Offer ends 18/11/2008) 1 0.79
Pasta 'n' sauce - cheese and ham Batchelors Pasta N Sauce And Supernoodles To Go 5 For 2 (Offer ends 18/11/2008) 1 0.67
Pasta 'n' sauce - macaroni cheese Batchelors Pasta N Sauce And Supernoodles To Go 5 For 2 (Offer ends 18/11/2008) 1 0.67
Pasta and sauce - carbonara Batchelors Pasta N Sauce And Supernoodles To Go 5 For 2 (Offer ends 18/11/2008) 1 0.79
Pasta and sauce - chicken Batchelors Pasta N Sauce And Supernoodles To Go 5 For 2 (Offer ends 18/11/2008) 1 0.79
New potatoes 10 2.40
Sliced carrots in brine 10 1.60
Sweetcorn 10 3.20
Gravy granules - onion Bisto/ Paxo/ Extra Special Gravy 2 For 2 (Offer ends 31/12/2008) 2 3.50
Lemon (no added sugar) 1 0.15
Orange (no added sugar) 1 0.15
Sunnybisks wheat biscuits 36s' 1 0.75
Superfast oats 1 1.00
Chicken & Vegetable 1 1.98
Original 1 1.98
Original Beef & Vegetable 1 1.98
Tiger Cat Litter 2 4.36
Concentrated 2 1.34
Yeast 2 1.00
Freshly Frozen Petits Pois 1 1.71
Tiger Complete with Salmon, Tuna & Shrimp 1 3.27
Toilet cleaner - limescale removing 1 0.78
Bolognese tortelloni Chilled Products 2 For 1.50 (Offer ends 18/11/2008) 1 1.78
Ham cappelletti Chilled Products 2 For 1.50 (Offer ends 18/11/2008) 1 1.78
Tortellini - spinach and ricotta Chilled Products 2 For 1.50 (Offer ends 18/11/2008) 2 3.56
Fry or oven chips 3 1.20
Cauliflower Florets 1 0.62
4 Chicken and vegetable pies 3 2.22
subtotal £90.89

subtotal £90.89
multisave discount -£26.40
eVoucher discount £0.00
delivery £5.00:eek::eek::eek: Shame how much delivery is.
ASDA Card Free Delivery Offer £0.00
estimated total £69.49

Hopefully will just need to do fresh dairy products on whole now till new year. Most I am going to need for the animals is possibly one large bag of cat food.

Penny2myName

Total spend for 02 Nov 2008 - 08 Nov 2008: £541.50:eek::eek::eek::eek::eek::eek:

download csv
BILLS
2008-11-03 T.V licence £11.61
2008-11-05 Atlantic Gas £35.00
2008-11-05 Insurance £11.84
2008-11-06 Sky (final payment) £21.00
2008-11-07 BT Phone £12.00
2008-11-07 Electric Scottish Power £22.00
2008-11-07 Water £33.80
TOTAL FOR BILLS £147.25
CHARITY
2008-11-03 Wildlife Trust £4.00
TOTAL FOR CHARITY £4.00
CHRISTMAS GIFT
2008-11-04 Tutu (Babara shulman) £34.50
TOTAL FOR CHRISTMAS GIFT £34.50
DEBT
2008-11-03 Littlewoods £296.20
TOTAL FOR DEBT £296.20
FOOD
2008-11-04 Ham £0.42
2008-11-04 Margarine (2) £2.50
2008-11-04 milk 1 pt £0.92
2008-11-04 mozzarella £0.54
2008-11-04 Pasanda Sauce £0.46
2008-11-04 Potatoes 5KG £1.74
2008-11-04 Pure orange Juice (4) £0.60
2008-11-04 Ricotta £0.25
2008-11-04 sweetcorn £0.36
2008-11-04 sweetcorn fresh £0.55
2008-11-06 bread £0.20
2008-11-06 Golden Cod (chippy) £7.96
2008-11-06 kiwi (5) £0.25
2008-11-06 Milk 6 pts £2.26
2008-11-06 mozzarella (2) £0.40
2008-11-06 pasta salad (2) £0.66
2008-11-06 Tomatoe and basil soup £1.00
2008-11-06 Veg and Lentil Soup £1.00
2008-11-08 milk 2 pt £0.77
2008-11-08 Mince £0.81
2008-11-08 Sauce £0.20
2008-11-08 Sausages £0.49
2008-11-08 Spring Onions £0.17
2008-11-08 Sugar £0.84
TOTAL FOR FOOD £25.35
GLASSES
2008-11-03 Parkhurst Opticians £15.20
TOTAL FOR GLASSES £15.20
SAVINGS
2008-11-03 ICICI bank £1.00
2008-11-04 ICICI bank £1.00
2008-11-05 ICICI bank £3.00
2008-11-06 Brad £5.00
2008-11-06 ICICI bank £1.00
2008-11-07 ICICI bank £1.00
TOTAL FOR SAVINGS £12.00
TOILETTRIES
2008-11-06 Toilet Paper £0.40
TOTAL FOR TOILETTRIES £0.40
TRAVEL
2008-11-05 Kieran Fare £1.60
2008-11-05 Serena fare £0.80
2008-11-06 Kieran Fare £1.60
2008-11-06 Serena fare £1.60
TOTAL FOR TRAVEL £5.60
TREAT
2008-11-04 Parkin £1.00
TOTAL FOR TREAT £1.00
TOTAL £541.50:eek::eek::eek::eek:

Penny2myName

Well both phone lines are straight and up to date, so was able to transfer the DD's for them to my Bill Account, instead of them being in my Debt account (couldn't find bill account details when I first set up my phone/broadband lines). Or though I am now skint, I do know that my Child Benefit covers all bills. Just need to call Gas supplier and have them up my DD by £10 a month. in reality should be by £30 but not got that available at the moment.

Update: Well called gas supply and it seems they have upped my DD by £8 anyhow, still had them add the extra £2 so my Gas payments will now be £45 a month. Electric has already upped their DD. So now all bills are up to date coming out of the correct bank account, and should cover majority of my winter usage.

Penny2myName

Well my dog never eats dog treats/biscuits, anyhow made some oaty biscuits from WWII cookbook, and son dropped one. They are rather hard to eat, have to be soaked in the cuppa first. anyhow Dog picked up the one son dropped and has just ate it with relish, so finally found a treat my dog likes. Think for family will be sticking to twinks oaty recipe.

Buzzbox

Do you use Mr A for all your shopping? If so, then I'd strongly recommend you check out myvouchercodes, they always have codes for free delivery if you spend £50 or more... just noticed you pay for delivery...

Penny2myName

Thanks for that Buzzbox, only had them deliver twice since Jan 2007 but still good to know how to get their delivery free.

Well Since everyone else is doing it and my mum keeps msning me when its on, have decided to give free bingo a try, had my account since beginning of year. If I win anything with it, can use that for Xmas shopping next year. Will do the free bingo as a money neutral 2009 Christmas.