New home, New Debts, New Diary/Budget

Penny2myName

Total spend for 09 Nov 2008 - 15 Nov 2008: £357.32

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ANIMALS
2008-11-10 Cat Litter £4.36
2008-11-10 Dry cat Food £3.27
2008-11-10 Dry Dog Food 7.5kg £5.94
TOTAL FOR ANIMALS £13.57
BILLS
2008-11-11 BT Phone £71.20
2008-11-11 Virgin Media BB £17.05
TOTAL FOR BILLS £88.25
CHRISTMAS GIFT
2008-11-14 Lego Figure £3.88
TOTAL FOR CHRISTMAS GIFT £3.88
CLEANING
2008-11-10 Stardrops (2) £1.34
2008-11-10 toilet cleaner £0.78
TOTAL FOR CLEANING £2.12
DEBT
2008-11-10 La Redoute £45.00
2008-11-13 Vanquis CC £100.00
TOTAL FOR DEBT £145.00
DRESS MAKING
2008-11-15 Black Cotton £0.55
TOTAL FOR DRESS MAKING £0.55
FOOD
2008-11-09 meat £0.49
2008-11-09 milk 2 pt £0.77
2008-11-09 Mince £0.81
2008-11-09 Pasta Sauce £0.20
2008-11-09 Spring Onions £0.17
2008-11-09 Sugar £0.84
2008-11-10 Beef Bourginon Sauce £0.67
2008-11-10 Beef Bourguignon mix £0.25
2008-11-10 Beef casserole mix £0.25
2008-11-10 Bisto Onion Gravy (2) £2.00
2008-11-10 Bolognese Tortelloni £0.75
2008-11-10 Branston Beans(4)(16) £4.00
2008-11-10 Bread Flour (5) £2.40
2008-11-10 Cauliflower £0.62
2008-11-10 cheese sauce (4) £1.00
2008-11-10 Chick Veg Pie (3) £2.22
2008-11-10 Chicken Chasseur mix £0.25
2008-11-10 Chicken Chasseur sauce £0.67
2008-11-10 Chicken Coq au vin mix £0.25
2008-11-10 Chips (3) £1.20
2008-11-10 Dry Yeast (2) £1.00
2008-11-10 Eggs £1.60
2008-11-10 Granary Bread Mix (2) £1.00
2008-11-10 Ham Caooelletti Tortelloni £1.50
2008-11-10 Lemon Squash £0.15
2008-11-10 new potatoes (10) £2.40
2008-11-10 Orange squash £0.15
2008-11-10 Pasta 'n' sauce bolognese £0.40
2008-11-10 Pasta 'n' Sauce Carbonara £0.40
2008-11-10 Pasta 'n' Sauce Cheese £0.40
2008-11-10 Pasta 'n' Sauce Macaroni cheese £0.40
2008-11-10 Pasta 'n; sauce Chicken £0.40
2008-11-10 Pasta Sauce (10) £2.40
2008-11-10 Petit Pois £1.71
2008-11-10 porriadge oats £1.00
2008-11-10 Sausage BBQ sauce £0.67
2008-11-10 Sliced Carrots (10) £3.20
2008-11-10 Spanish Chicken Sauce £0.67
2008-11-10 Spinach £1.50
2008-11-10 T-bags (4) £4.00
2008-11-10 weetabix £0.75
2008-11-10 White Bread Mix £1.00
2008-11-12 Milk 6 pts £2.26
2008-11-13 Ham sandwich £0.25
2008-11-13 Margarine £0.74
2008-11-15 Bean Burger £1.50
2008-11-15 Cauliflower grills £1.50
2008-11-15 Cheese £2.50
TOTAL FOR FOOD £55.26
OTHER
2008-11-10 Batteries (16) £5.00
2008-11-10 Delivery Asda £5.00
TOTAL FOR OTHER £10.00
SAVINGS
2008-11-10 ICICI bank £1.00
2008-11-12 ICICI bank £3.00
2008-11-13 Brad £5.00
2008-11-13 ICICI bank £1.00
2008-11-14 ICICI bank £1.00
TOTAL FOR SAVINGS £11.00
SCHOOL
2008-11-12 Down to earth school visit £1.50
2008-11-13 Highlighters (2) £0.40
TOTAL FOR SCHOOL £1.90
TOILETTRIES
2008-11-12 Avon £8.85
TOTAL FOR TOILETTRIES £8.85
TRAVEL
2008-11-10 Kieran Fare £1.60
2008-11-10 Serena fare £1.60
2008-11-12 Kieran Fare £1.60
2008-11-12 Me Fare £3.50
2008-11-12 Serena fare £1.60
2008-11-14 Kieran Fare £0.60
2008-11-14 Me Fare £3.50
2008-11-14 Serena fare £1.60
TOTAL FOR TRAVEL £15.60
TREAT
2008-11-13 chocolate lollies (4) £0.24
2008-11-13 crisps £0.80
2008-11-13 Midget Gems £0.30
TOTAL FOR TREAT £1.34
TOTAL £357.32


Feel I am spending more and more instead of less and less.

Penny2myName

Just worked december finaces out and it still looks dire, and that I cant get rid of O/D once and for all yet....I know its only £200, but till I have a spare £200 extra in my account, it looks like I will keep dipping into O/D till March time. Fingers crossed Helifax dont decide to remove my O/D at review on 10th of Dec.suppsoe I could try going in and having it raised by £50 now to start a new years date and keeping me safe till catolgue payments go down.
Atleast I already have most of christmas wrapped up 'literally', and that my avon commision for latest campaign covers my spends from avon for next years christmas. Yes I already have all the adult females gifts for next year on order. Leaving just two brothers, one ex (kids dad) his two other kids, and my 3 kids to buy for.

Penny2myName

Got my college money funding into account today, so have just straightened up my bank accounts. Even with spending diary, not sure how I overspent this month. Yes I am, I got my phone bills straight and transferred them to correct account. Lest that explains for just under £100 of the overspend. Its roughly the other £100 I have no idea over. Not worried so much over O/D being withdrawn now. Infact will do a full workout on paper in a bit, and if I can get past December without needing it, then will go in this afternoon and cancel it myself.


Just checked, and still need an O/D of atleast £105 in for end of December.

Penny2myName

Total spend for 16 Nov 2008 - 22 Nov 2008: £91.18

COLLEGE DRINKS
2008-11-17 Hot Chocolate £1.20
TOTAL FOR COLLEGE DRINKS £1.20
COLLEGE FOOD
2008-11-19 chocolate pudding £1.50
TOTAL FOR COLLEGE FOOD £1.50
DEBT
2008-11-17 DFS Dining £19.64
TOTAL FOR DEBT £19.64
DRESS MAKING
2008-11-19 Pattern £2.14
2008-11-21 Patterns (2) £4.14
TOTAL FOR DRESS MAKING £6.28
FOOD
2008-11-16 milk 2ltrs £1.40
2008-11-18 Garlic Bread £0.33
2008-11-18 milk 2 pt £0.86
2008-11-19 Cheese £2.50
2008-11-19 Chippy £0.90
2008-11-19 Cucumber £0.35
2008-11-19 milk 2 pt £0.77
2008-11-20 Chippy £1.20
2008-11-21 Calzone £9.00
2008-11-22 milk 4pts £1.45
TOTAL FOR FOOD £18.76
SAVINGS
2008-11-17 ICICI bank £1.00
2008-11-18 ICICI bank £1.00
2008-11-19 ICICI bank £3.00
2008-11-20 Brad £5.00
2008-11-20 ICICI bank £1.00
2008-11-21 ICICI bank £1.00
TOTAL FOR SAVINGS £12.00
TOILETTRIES
2008-11-19 Toilet Paper £2.75
2008-11-22 Toilet Paper £2.75
TOTAL FOR TOILETTRIES £5.50
TRAVEL
2008-11-17 Kieran Fare £1.60
2008-11-17 Serena fare £1.60
2008-11-18 Kieran Fare £1.60
2008-11-18 Serena fare £1.60
2008-11-19 Kieran Fare £1.60
2008-11-19 Me Fare £3.50
2008-11-19 Serena fare £1.60
2008-11-20 Kieran Fare £1.20
2008-11-20 Me Fare £3.50
2008-11-20 Patrick Fare £1.20
2008-11-20 Serena fare £1.20
2008-11-21 Kieran Fare £0.80
2008-11-21 Me Fare £3.50
2008-11-21 Patrick Fare £0.80
TOTAL FOR TRAVEL £25.30
TREAT
2008-11-22 minstrels £1.00
TOTAL FOR TREAT £1.00
TOTAL £91.18

Finally my weekly amount has gone under £100. This coming weeks will be above as have last Payment of month to make.

bluestaff

hi p2mn av read threw your post and would just like to say keep going you will get there in the end and well done for not giving in. :T

Penny2myName

Thanks bluestaff. Dreading Decembers as have two payments due out for Catalogue. Atleast the huge payments will go down in March to them. Nov 2008 and I am paying for Christmas 2007. So glad I have all but two presents left to buy straight out for this year, and that I have used my Avon comission to get most of the adults gifts for next year. By Christmas next year, Catalogue will be clear, but will have a good commision on it, so will use my commision to buy kids presents for next year, then close the account.

Penny2myName

Just been working out my debt totals as final payment of month came out today, and I still seem to have gone up by £25 in total.

Therefore my aim is to get my total debt down to £4500 for beginning of 2009.

Also last night I did my bulk buy of shampoo/conditioner, and toothpaste for the coming year. Cost me just over £73, but saved £42, and made just under £13.00 worth of Boots points that I can use next year.

Penny2myName

Ok, Got a letter from Helifax about my overdraft review. They are increasing it to £700 as of the 12th December. I was after jsut having O/D removed around Feb time, but am now thinking of using £500 of the O/D facility to pay towards my CC. My CC is with Vanquis so its expectionally high interest. and I am sure my O/D interest is no where near as much.

This is info I have
Current Account variable interest charged on an arranged overdraft 1.50% per month (19.5% EAR*)
Credit Card Purchase interest 2.840% per month 34.080% per Year
Cash interest 3.433% per month 41.190% per year.

Would I be doing the best thing embracing my O/D with open arms so as to bring my CC total down by a good 3rd of what I owe on it.

Penny2myName

I'm getting a new kitchen after all, thank you Mr Central heating surveyor man. Kitchen Designer is due any time. Am going to see if it will be possible to have the sink moved to the top end of the kitchen. Now I just need to find out whats happening over wiring, loft insulation and bathrooms. Have called decency homes today and asked for a copy of the survey that was carried out before I moved in. Also made it clear I would actually like a surveyor to call out and do a full survey, as from what information I have found out, the windows are not down to be replaced, even though they are ALL single glazed wooden frames, and under the decency homes guides, they have to be double glazed. All I was down for was new doors and a new fire.

Penny2myName

Just done my on-line order for December
Can tell Christmas is almost here. Still need to buy milk and eggs and short life stuff each week.
Must remember to buy advent calendars for the kids too.
Trolley details:

1. 2 x ASDA Smartprice Spaghetti (500g)
£0.78
2. 3 x ASDA Sliced Carrots in Water (300g)
£0.57
3. 2 x ASDA Courgettes by Weight (100g)
£0.40
4. 1 x Whitworths Semolina (500g)
£0.63
5. 1 x Dentyl pH Mouthrinse Clove (500ml)
£1.50
6. 1 x Dentyl pH Smooth Mint Mouthrinse (500ml)
£1.50
7. 1 x ASDA Big Saver Gala Apples - Bag
£1.00
8. 1 x ASDA Ratatouille Provencale (390g)
£0.46
9. 1 x ASDA Whole Chicken with Garlic (1.37Kg)
£3.50
10. 1 x ASDA British Chicken Breast Fillets (540g)
£3.33
11. 1 x ASDA Smartprice Peppers (700g)
£1.32
12. 1 x ASDA Radish (150g)
£0.39
13. 1 x Silver Spoon Light Brown Soft Sugar (1Kg)
£1.29
14. 1 x Am! Elderberry & Lemon (1L)
£1.00
15. 1 x ASDA Double Chocolate Gâteau (350g)
£1.00
16. 1 x ASDA Strawberry Gâteau (375g)
£1.00
17. 1 x ASDA Pilau Rice (175g)
£0.74
18. 1 x Belvoir Organic Elderflower Presse (750ml)
£1.00
19. 2 x ASDA Beef Mince (950g)
£6.00
20. 4 x ASDA Turnips by Weight (100g)
£0.56
21. 1 x ASDA Smartprice Onions (2Kg)
£0.67
22. 1 x Silver Spoon Caster Sugar (2Kg)
£1.78
23. 2 x Sunnybisk Wheat Biscuits (550g)
£1.50
24. 1 x ASDA Lamb Chops (506g)
£3.33
25. 1 x ASDA Organics Dried Soup Mix (500g)
£0.72
26. 2 x ASDA Smartprice New Potatoes in Salted Water (550g)
£0.48
27. 4 x ASDA Smartprice Sweetcorn in Sweetened Salted Water (326g)
£1.16
28. 1 x ASDA Medallion Steak (472g)
£3.33
29. 2 x ASDA Steak and Kidney (616g)
£6.00
30. 1 x ASDA Sage and Onion Stuffed Chicken (1Kg)
£2.49
31. 1 x Haagen Dazs Mini Tub Baileys (100ml)
£1.25
32. 1 x Ben & Jerry's Cookie Dough Ice Cream (150ml)
£1.25
33. 1 x Ben & Jerry's Chocolate Fudge Brownie (150ml)
£1.25
34. 1 x ASDA St Clemence Chicken (1.37Kg)
£3.50
35. 1 x Coppenwrath & Weise Baileys Cheesecake (500g)
£2.98
36. 1 x Haagen Dazs Ice Cream Cookies Mini (100ml)
£1.25
37. 1 x Pringles Salt & Vinegar Crisps (155g)
£0.73
38. 2 x Pringles Texas Barbeque (155g)
£1.46
39. 2 x Pringles Cheese & Onion (155g)
£1.46
40. 1 x ASDA Clementines (900g)
£1.00
41. 1 x ASDA Smartprice Sliced Mushrooms in Salted Water (290g)
£0.30
42. 1 x ASDA Bombay Potato (400g)
£0.66
43. 1 x ASDA Chick Pea Dhal (400g)
£0.67
44. 2 x Birds Eye 4 Original & Best Beef Burgers with Onions (227g)
£1.50
45. 3 x ASDA Parsnips by Weight (100g)
£0.60
46. 1 x ASDA Tiger Complete with Salmon, Tuna & Shrimp (4Kg)
£3.27
47. 1 x ASDA Golden Puffs (625g)
£1.00
48. 1 x ASDA American Style Toffee Cheesecake (450g)
£1.00
49. 1 x ASDA Malted Wheaties (750g)
£1.00
50. 5 x ASDA Smartprice Vegetable Instant Soup (4x17g)
£1.00
51. 1 x ASDA Fresh Mixed Lamb Pack (2Kg)
£12.48
52. 1 x Am! Raspberry & Blackberry (1L)
£1.00
53. 1 x Am! Grape & Apricot (1L)
£1.00
54. 2 x Be-Ro Self Raising Flour (1.5Kg)
£1.50
55. 2 x Be-Ro Plain Flour (1.5Kg)
£1.50
56. 10 x ASDA Smartprice Chicken Flavour Instant Noodles (65g)
£0.70
57. 10 x ASDA Smartprice Prawn Flavoured Instant Noodles (65g)
£0.70
58. 5 x ASDA Smartprice Chicken & Vegetable Instant Soup (4x22g)
£1.00
59. 1 x Kellogg's Corn Flakes (750g)
£2.19
60. 5 x ASDA Swede by Weight (100g)
£0.40
61. 2 x ASDA Tiger Complete with Duck, Rabbit & Vegetables (2Kg)
£3.36
62. 5 x ASDA Sweet Potatoes by Weight (100g)
£0.65
Estimated Total Order*:
£103.05

Just done a breakdown and spent £60.38 on stuff I dont normally buy.