Sunshine, Daffodils and lolipops-concentrating on the good things in life

ZTD

pania wrote: »

Right, new beginnings, new (blimmin scarey) SOA!!

Income (lowest) £1420
Plus expenses (lowest) £330

Total £1750 (dropped from approx 2300 this time last year!! eep!)


Rent £250
Dad £375
Debt 1 £100
Debt 2 £51
Debt 3 £50
Debt 4 £45
Debt 5 £26
Debt 6 £35

Mobile £55 (including internet)
Petrol £250 (paid back as part of expenses)
Gym £ 28.95 (cancel in Jan woohoo)
Life ins £6.18
Income
protection £13.84 (vital!!!)
Car ins £19.95 (soon to go up now i have 6 points!! gah!!)

So basically story as per usual... no debt... i'd be laughing!!!! grrr:mad: IT HAS TO GO!!!

totals...

£1305.92

Surplus £444.08!!!!! god i need a spending diary... and PRONTO!!!

:beer: :beer: :beer: SPENDING DIARY... :beer: :beer: :beer:
:j :T :j :T :j :T :j :T :j :T :j :T :j :T :j :T :j :T :j :T :j :T :j :T :j

pania wrote: »

But.... aside to that i have to pay

£80 car tax this month
£45 MOT
£200 Payday loan repayment (still outstanding from my confessional earlier)
£73 advantis credit from a disputed southern water bill. just want to get it paid now!!!

so that really is about that, I'll use my money that i've come into to pay off these bits which should leave me square, I'll then get £495 back from the house deposit (we kept it tidy so i have no doubt that this will come back)
which i will use for christmas and save some too)

Hmmm, a work in progress that...x

What about miscellaneous spends like hair/clothes/treats? If you don't give yourself a little treat budget, then coming "off the rails" is so much more likely.

Well done on coming so far, and you sound *much* happier these days.

:grouphug:
:kisses2:

hypno06

ZTD wrote: »

Well done on coming so far, and you sound *much* happier these days.

:grouphug:
:kisses2:

That's because she has escaped me and my incessant moaning :rolleyes:

ZTD

hypno06 wrote: »

That's because she has escaped me and my incessant moaning :rolleyes:

Not even slightly true...

Your constant motivation and help has kept her head above water in the dark times and you know it... :kisses3:

hypno06

ZTD wrote: »

Not even slightly true...

Your constant motivation and help has kept her head above water in the dark times and you know it... :kisses3:

Thank you xx

But you have to remember that in return she has put up with my incessant moaning :rotfl:

Not to mention my inability to make a decent cup of tea

In_Search_Of_Me

what can I say...youre all mad!! Yup P soending diary me thinks...if its any consolation I'm mega skint and so much thought I'd decorate the bathroom!! This insanity catching..

ZTD

hypno06 wrote: »

Thank you xx

But you have to remember that in return she has put up with my incessant moaning :rotfl:

A moan shared is a moan halved. That's why we should all moan until our moans are spent...

hypno06 wrote: »

Not to mention my inability to make a decent cup of tea

That's a bit more of a crime... :eek:

Though you do have to make them weaker if you're giving tea to southerners...

hypno06

She only visited when DS was here - because he makes a better cup of tea than I do

chevalier

Oh lord I keep on missing the start of people's new diaries, sorry Pania!

I am SO pleased that you went on the Dog training course (does any of it apply to men to lol!:D ). It sounds like that is you true talent if you aced and they offered you work. So well done on following your dream, to a new job and vocation.

And well done on kicking OH into touch, that must be a weight off your soul for sure. Just tosserboss to go now eh!

As for the money. Well I can't talk, the only thing in my defence is that the money spending is on other people not myself but even then - gulp! I have completely forgotten about xmas really and that if I want to order anything in from outside NZ it is probably too late now :eek: !

Ho hum
Anyway keep on going.
Sorry to hear about Dear pony. If you could save the £400 you have spare for real, would you be able to keep him ? Might be a way of focussing on your spending!
chev

pania

ZTD wrote: »

:beer: :beer: :beer: SPENDING DIARY... :beer: :beer: :beer:
:j :T :j :T :j :T :j :T :j :T :j :T :j :T :j :T :j :T :j :T :j :T :j :T :j
[/color][/center]

Got me one a them today!!! :j

ZTD wrote:

What about miscellaneous spends like hair/clothes/treats? If you don't give yourself a little treat budget, then coming "off the rails" is so much more likely.

Clothes treats que?

ZTD wrote:

Well done on coming so far, and you sound *much* happier these days.

:grouphug:
:kisses2:

I am sweet, thank you. not to sure if it is natural or chemically enhanced but being away from all the pressure is certainly helping.

xxxxxxx

pania

chevalier wrote: »

I am SO pleased that you went on the Dog training course (does any of it apply to men to lol!:D ). It sounds like that is you true talent if you aced and they offered you work. So well done on following your dream, to a new job and vocation.

Thanks Chev hope that you are doing ok. my mum and dad are in your neck of the woods at the mo and having a fab time. they have vowed to send me over asap woohoo!!!:j I'll certainly be following up on this course with the next phase in the new year and from there i can then progress on to making it a full time occupation:D

Chev wrote:

And well done on kicking OH into touch, that must be a weight off your soul for sure. Just tosserboss to go now eh!

Thanks Chev it is a massive weight off my mind to be away from the pressure,i've noticed now how me being unhappy in my relationship was affecting so many areas of my life. and i have to admit that i was partly to blame for tosserboss being such a tossrboss. We had a long chat when i had a compelte meltdown one day and he has been so good ever since I can't fault him really (don't faint!) and now that xoh is off my mind I have started to enjoy my job a lot more than i was. (ok, you can pick yourself up off the floor now!:D )

Chev wrote:

As for the money. Well I can't talk, the only thing in my defence is that the money spending is on other people not myself but even then - gulp! I have completely forgotten about xmas really and that if I want to order anything in from outside NZ it is probably too late now :eek: !

I think provided you post it 3 weeks before chrimbo it will get there and be fine.


[quote=ZTD'Sorry to hear about Dear pony. If you could save the £400 you have spare for real, would you be able to keep him ? Might be a way of focussing on your spending!
chev[/quote]

No unfortunately not, as much as i love him i can't keep him as he has needs that i can't cater for yet others can. things like riding him and taking him out to have fun, so sadly he will be going again. nice thought though!!!