Keeping Positive's - Into the new years diary

Keeping_Positive

Hi

Another quiet day here. OH went on a long journey taking mate to a hospital appointment then to pick up golf clubs in the wrong direction. I then had hem drive another route to go to the trade shop with a friend! Her left at 9 spent 30 mins at home then got back at 5 with two other 30-45 min breaks. Daft thing is he loves it. I can drive myself to the shop no problem but he likes it so I just leave him to it!

Spent £43 so grocery budget blown this month but I do have two fairly full freezers soit should even out next month.

No other spends and no real chores done today. Kitchen looking ok but Ive still not managed to wash and put away all the dishes yet. They are just neatly stacked waiting for the next session.

OOPS ref spends OH filled car up so £45 there with £10 back for petrol money from mate.

Keeping_Positive

Karmacat wrote: »

- I need to paint some of the bare plaster, eek. And the sunnier it gets, the more the dirt shows up! :eek:Rats!!!! :mad: :rotfl:

I do enjoy smilies sometimes ... they say so much!

Ditto the paintwork and smilies KC . 5 years we have been in this house and only the girls room painted. My once magnolia walls are a variety of various marks and stains . One day Ill get the decluttering done and start thinking of painting but cant see that being too soon. Either the time, effort or cost gets in the way.

Keeping_Positive

beanielou wrote: »

Its just a quick way of saying please let me know.I only type with one finger due to my disability so Im quite slow so always looking for ways to cut down what I type as my comuter will not support voice recognition software.

Daft isnt it - I was sat watching telly about an hour later and it came to me!! Obvious really :doh: . I think there should be a list somewhere of all the usual acronyms.

Keeping_Positive

Keeping_Positive wrote: »

List of things to do in the half term - 1 week until W***!

Sort kids toys out with them
Tidy and declutter our room
Tidy and sort BS stuff
More baking
Ensure kitchen stays tidy and decluttered
Redo kitchen floor
Clean fridge
Clean Oven :eek: :eek: :eek: cant tell you the last time I did that


This is just a list so nobody panic. Ill get some done hopefully more than half but whateveer will be at my own pace.

Well nowt touched on the list ooops. Was planning a batch baking day today ready for when Im back at work. Mainly treats and some bolonaise sauce for spag bol and lasagne.

Spends today
70p parking

Spends yesterday
£18 catalogue bill - should have been £54 looks like they want me to stay a creditor longer. They changed terms a while back saying if I overpay it wont count towards future amounts due. Its interest free so I just pay minimum.
£20 to DD1 for trip cost and spends. £1 ish change went to sealed pot.
£8-9 in coop postage £3 and £5 on kids snack, mag and tic tacs - really need to learn to kust walk out the shop.

mum2one

tic-tscs I love them espicallythe orange ones, chldhood fun.

Hope everything going ok, totally agree re catalogue why pay more than u need to x

Keeping_Positive

Keeping_Positive wrote: »

Monthly Income Details
Monthly income after tax................ 1350
Partners monthly income after tax....... 100
Benefits................................ 345
Other income............................ 0
Total monthly income.................... 1795

Monthly Expense Details
Rent.................................... 445
Council tax............................. 0 jan and feb free
Electricity............................. 45
Gas..................................... 45
Water rates............................. 28
Telephone (land line)................... 35
Mobile phone............................ 12 via work expenses
TV Licence.............................. 12
Satellite/Cable TV...................... 50
Groceries etc. ......................... 300 five week month
Clothing................................ 10
Petrol/diesel........................... 50
Road tax................................ 15
Car Insurance........................... 34
Car maintenance (including MOT)......... 25
Other child related expenses............ 50
Medical (prescriptions, dentist etc).... 10
Pet insurance/vet bills................. 0
Contents insurance...................... 15 renewal due feb
Life assurance ......................... 6
Other ......................................5
Presents (birthday, christmas etc)...... 50
Haircuts................................ 20
Entertainment........................... 100 aim 80
Holiday................................. 100
Loan................................. 224.00
cc 1....................................25.00
catalogue.............................54.00
cc2....either min and 30 ish or full at....571.11 total :eek:

Total monthly expenses.................. 1462+333 min=1795


monthly budgets 520 aim 500 - so far 612/520 mainly groceries inc school meals
annual / less frequent budgets 244 so far £251 saved
set monthly bills 686 so far £762/686 - £74 of which Home Ins
mobile phone deducted out of expences 12
Loan and ccs 333 - so far £267 £36 catalogue saving and £30 cc2 not taken?? need to ring

1795
-1795 so far £1892 spent overspend of £97
0.00

updates on month so far with 7 days left to pay day.

Karmacat

Hi KP

That five week month has really snookered you this month .... it does look like you know where the overspends are, and you're doing well on putting by for the bigger bills. Keep going!

beanielou

^^^What Karmcat says too.

mum2one

Think the 5 week month has thrown spanner in the words, the gd thing is u can see where you have spent the extras and at least this can give u an idea for the rest of the month.
x

Keeping_Positive

Yes 5 week months are a pain. My overshopping hasnt helped. The well stocked freezers should help so a bit of meal planning and shopping with lists should hopefully bring grocery budget down to £150/200. With £80 of school meals I need to start being more careful.

£100 due from OH on friday. Not sure what to do with it? Put towards OD, pay a cc or put into savings. Think Ill put it in bank and decide next week when March budget hits.

Heard some news earlier about government limiting the bonuses for my work. It was gonna be very small anyway due to the lower than budgetted profit. I hope this doesnt make it any lower. I worked flaming hard last year to hit my targets :mad:. On the other hand I guess I should be happy I have a job that seems fairly stable.