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Strumpet's Diary - Welcome to Planet Strumpet!!!

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  • Sounds like you had a really relaxing day Horace my old chum!

    I am trying to balance my books and it's not working. I think I must be counting something twice somewhere.

    One spreadsheet lists all my spending on whatever it was.
    The other lists all the movements on all my accounts.

    They should balance - but they don't.

    The movement on all the accounts SHOULD equal income - spends.

    Grrrr!!!!

    AND I'M SUPPOSED TO BE AN ACCOUNTANT!!!!! I CAN SEE THAT THE EXAMS ARE A WOFTAM!!!!!!
    NIL ILLEGITIMUS CARBORUNDUM!
    Nov Grocery Challenge: £0.00 / £150.00
    Horace & Strumpet's NSD Challenge (Nov): 0/8
    £2 Savers Club #088: £200 since 01/09/2008 (£0 to bank) (Banked £200)
    Slimming World: 15½lbs/21lbs (74%) at end of Week 18 (Target date for 13st: 25/12/2009):dance:
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    Put the books down, go and eat some biscuits, and then when you look at the books again, the double counted number will jump out at you and go "boo".......
    Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)
    Life begins at the end of your comfort zone (Neale Donald Walsch)
  • Horace
    Horace Posts: 14,426 Forumite
    Ditto Hypno - go eat some chocolate or biscuits and then go back to the books.

    Looking at your spreadsheet - have you put an income amount in the wrong box? That's what usually happens when the income and expenditure don't match.

    Don't worry Strumpet....even accountants get it wrong sometimes.:rolleyes:
  • strumpet
    strumpet Posts: 652 Forumite
    Wednesday 1st October 2008

    White Rabbits!!!

    Afternoon all!
    I'm afraid you'll have to wait for those figures I promised - just found out that I can't open any files from home (brought in on my mass storage device) on works computers because they are not compatible with the server software ?!?!?!?!?!?!?! So I was going to do a bit of work on them during lunch and now I can't! So that's that! Thisnk I may have sorted out the double counting issue - it was to do with credit cards:

    I buy £25 diesel on CC and list it as a spend in my accounts. Result: CC balance increases by £25, spend on diesel increases by £25 - So far so good.
    When I come to pay the CC off, I was listing it as a spend as money was leaving my bank account but technically, I already spent the money! What I am doing is adjusting where the spend came from ie moving it from CC to Bank account. The spend is still £25 on diesel. I was counting this twice! DUMMY!!!!

    So I should now be able to reconcile the situation but not til I get home thanks to works computers!!!

    New month - new goals! Here are my targets / budgets:

    NSDs: 10
    Groceries: £100
    Diesel: £150 (I do 1000 miles a week just going to work so....)
    Other spend: £150 (not including bills - this is just for "stuff" Eg social / hobbies etc) I really need to define what's included here so I can measure it properly. Should get this of my SOA WHEN I do it finally!
    £2 club: Currently at £10 - aiming for £30 by 31/10/2008
    Make £5/day so £155 for October (Ebay etc)
    Daily clicks: Try to get to £5

    So off we go.....

    S
    xxx
    NIL ILLEGITIMUS CARBORUNDUM!
    Nov Grocery Challenge: £0.00 / £150.00
    Horace & Strumpet's NSD Challenge (Nov): 0/8
    £2 Savers Club #088: £200 since 01/09/2008 (£0 to bank) (Banked £200)
    Slimming World: 15½lbs/21lbs (74%) at end of Week 18 (Target date for 13st: 25/12/2009):dance:
  • Horace
    Horace Posts: 14,426 Forumite
    See - I was almost right with the spreadsheet - only in your case it was expenditure.

    Typical of the employer not to have compatible software it really is most unfair of them - is there any thing you can suggest to make them compatible?:confused:

    Thanks for reminding me that today is the 1st October - I have only just changed my calendar:eek: And there is another voucher for the local garden centre (I don't go every month and never eat in their restaurant despite having vouchers:rolleyes: ), this month's voucher is buy a huge breakfast and get one free.

    See - things are coming together slowly...well, I am off to do some more surveys, I need points for vouchers.

    Laters
    Horace x
  • pepe2008
    pepe2008 Posts: 5,158 Forumite
    Hi Strumpet!

    You jumped out on me on LongForTheSuns Diary, so I thought I'd pop over here for a look. Only read the last page ( I'll have to open a bottle of wine and get some crisps to go through the other volumes ) but I am assuming that you do the cash book for Bradford and Bingley...ooooh I seem to have lent that money TWICE, doh!

    Pepe:beer:
    :D:D stay wonky :D:D

    ....one-way ticket to Portugal booked !
  • strumpet
    strumpet Posts: 652 Forumite
    Welcome over to this side of things, Pepe!

    Thursday 2nd October 2008

    Good morning MSErs everywhere!

    Feeling quite upbeat today - went shopping last night for Groceries (postponed from Monday to shove the costs into October!!!) Those who visit Planet Strumpet regularly, will know that my budgeted spend on groceries is £25 per week. This week's spend came in at £21.77 (and this included large spend items that last longer than a week but still need to be bought - eg coffee, bathroom cleaner (46p from Mr T - down from 79p!) and bin liners).
    As I was walking round Mr T's, I found myself being really critical - do I really need this? / will it get eaten? / could I put it off til next week? Found myslef searching out the own brand labels too - this is the best tip for cutting the grocery bill. Why buy Heinz soup at 68p / tin when Mr T's is 39p and just as nice???
    In the end, I hardly bought anything at all - mainly fruit, veg and stuff for work lunches!!!! Still eating stuff out of the freezer so eating good wholesome food for next to nothing in price!

    Free Bingo tonight on Gala - can't do this at work now thanks to the new servers so will miss out on loads of free games! :-(My colleague signed up for PaddyPower bingo last night via cashback site (I earned £2.50 as referral), she got £25 cashback, deposited £10, got the £20 bonus in her account AND won £50!!! Lucky cow! £85 up in 20 minutes!

    Study night tonight and must spend sometime on my accounts. Want to post my SOA so you beggars can rip it to bits!OH moaned last night about how cold it was - he wanted the Central Heating on for this morning when he got up. I don't want to put it on til 1st November but admittedly it was freezing in the bathroom this morning. He may just win this argument. Perhaps if CH went on low at 6:30am for 1hr only, it would take the chill off a bit. Will have to think about this one!

    Going for NSD #1 today!

    Catch you later anyway.

    Love y'all!
    Sxxx
    NIL ILLEGITIMUS CARBORUNDUM!
    Nov Grocery Challenge: £0.00 / £150.00
    Horace & Strumpet's NSD Challenge (Nov): 0/8
    £2 Savers Club #088: £200 since 01/09/2008 (£0 to bank) (Banked £200)
    Slimming World: 15½lbs/21lbs (74%) at end of Week 18 (Target date for 13st: 25/12/2009):dance:
  • strumpet
    strumpet Posts: 652 Forumite
    Just joined up to Paddy Power bingo via Topcashback site and deposited and played through £10.

    So:
    Should get £25 cashback
    Got £20 bonus
    WON £7.85!!!!!!!

    Result: up by £42.85!!!! Not bad for 30 mins work!
    NIL ILLEGITIMUS CARBORUNDUM!
    Nov Grocery Challenge: £0.00 / £150.00
    Horace & Strumpet's NSD Challenge (Nov): 0/8
    £2 Savers Club #088: £200 since 01/09/2008 (£0 to bank) (Banked £200)
    Slimming World: 15½lbs/21lbs (74%) at end of Week 18 (Target date for 13st: 25/12/2009):dance:
  • strumpet
    strumpet Posts: 652 Forumite
    Friday 3rd October 2008

    Hello!!!!
    Didn't manage that NSD yesterday despite my best efforts. Never mind. Offset what I did spend (£3.85) by winning £7.85 on PP bingo last night. Can't wait for the cash back to come through - £25!:T

    Going up to Kendal this weekend - got my concert tomorrow night. Really looking forward to this and earning £250 for doing something that I love to do. This will seriously halp me get back on an even keel! Might need to change my £5/day total as £155 was always going to be smashed and is not much of a challenge this month. Staying with my dad and his wife will also ensure I am well fed for no spend!:D

    Just been informed by the concert organiser that the man playing the harpsichord is going to be the same man who messed up a concert I was singing in last May - played a bar ahead of me ALL the way through. What was worrying though was that he was playing from the VOCAL score. Hope this is not a bad omen for tomorrow!:rotfl:

    Will try and bob in later on - don't know where everyone is at the moment - feel like you've all deserted me! Come back please - all is forgiven!!!!!

    Strumpet
    xxx
    NIL ILLEGITIMUS CARBORUNDUM!
    Nov Grocery Challenge: £0.00 / £150.00
    Horace & Strumpet's NSD Challenge (Nov): 0/8
    £2 Savers Club #088: £200 since 01/09/2008 (£0 to bank) (Banked £200)
    Slimming World: 15½lbs/21lbs (74%) at end of Week 18 (Target date for 13st: 25/12/2009):dance:
  • strumpet
    strumpet Posts: 652 Forumite
    Credit cards are crafty beggars aren't they?!

    I am coming to the end of my Halifax CC Stooze in January. Currently have a balance of about £3900 on the card, offset by an amount in my ISA for £3600. (I'll have to pay the monthly minimum payments for Oct, Nov & Dec so the amounts will match by Jan!)

    Got a letter from LLoyds TSB CC saying that if I used the enclosed cheques to "pay off" the Halifax CC, they would charge me no interest in the balance for 12 months. Great I thought, I could transfer the balance, get and extra 12 months interest free and crucuially, keep the £3600 ISA balance where it is, so not losing out on the tax free status for another year!

    Then I read the smallprint - the bit about the 3% charge to transfer the balance which would be £117. I object to paying this as I think if they want the business, I shouldn't have to pay THEM, however I accept this is the norm these days!
    What is so devious, is that the transfer fee attracts interest. Coupled to this is the order in which your payments are allocated i.e. that the CC company uses any money you pay off the card, against 0% debt first. So the transfer fee is effectively trapped behind the balance you transferred - you must pay off the transfer first before you can pay off the fee and the interest. So to take advantage of their 0% offer, I necessarily have to suffer 12 months interest on £117 plus interest on the interest. So it's not as good an offer as they make out, the robbing swines!So the cheques got shredded forthwith!!!Strumpetxxx
    NIL ILLEGITIMUS CARBORUNDUM!
    Nov Grocery Challenge: £0.00 / £150.00
    Horace & Strumpet's NSD Challenge (Nov): 0/8
    £2 Savers Club #088: £200 since 01/09/2008 (£0 to bank) (Banked £200)
    Slimming World: 15½lbs/21lbs (74%) at end of Week 18 (Target date for 13st: 25/12/2009):dance:
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