new start - get life straight

taxi73

Just catching up with you and all is looking good(but was horrified at the bank charges).Great news on the OU course..it's great to have an interest and hope DD is ok now.

mum2one

My poor diary seems to be doom and gloom.

But had a free night out last ngt, my friend brought 2 tickets to go and c Valkyrie at the cinema, once she realised it was a war film didnt want to go, so gave me the tickets, took dad with me. Quite a good film, a bit heavy going in places, but for a freebie def a big thank you x
Yet another no spend day, xx

moo2moo

Things always seem gloomier in the winter when its too cold and grotty to be outdoors, it makes the teeniest little thing feel much worse than it actually is. As it is you've got your OU course to look forward to although I really don't envy you writing all those assignments I'm so glad thats all well and truly behind me.

taxi73

Freebies are always good...glad you enjoyed it.I agree with moo2moo whole heartedly as above as well.

penguin83

Hey mum - glad you got a freebie night out - OH loves war films, we compromise and I make him watch one weepy for every war one I have to sit through!

My W100 course starts on the 07 Feb so I'll be hassling you when I get stuck, what one are you doing this time?

Hope you and family are ok x x

mum2one

penguin83 wrote: »

Hey mum - glad you got a freebie night out - OH loves war films, we compromise and I make him watch one weepy for every war one I have to sit through!

My W100 course starts on the 07 Feb so I'll be hassling you when I get stuck, what one are you doing this time?

Hope you and family are ok x x

Gd luck with W100, its a good course, but hard going, but I enjoyed it, Im doing B201, trying to get a head start next week, thats the plan of action.
DD - shes becoming a little tycoon, had me playing junior monopoly for 4 hrs.....and she won each time!

Had to promise dd take her to pics wed afta school on wednesday, she want to see some film about a dog.....(use orange 2 4 1).

Apart from docs, asthma clinic, phyisco, I plan a quiet week!!

taxi73

A quiet week is always good.

mum2one

I think I'm going to have my own chair at the docs surgery, reserved just for me, got to go fri for a blood test....at least its keeping me out of trouble.

Have provisonally spent Jan + Febs clothing budget, out of sale leaflet from mums club I'vegot 4 x cami tops, 2 x posh vest tops, 3 prs winter trs and a pr of crop trs for summer, grand total £31.00 so am very happy, that see me through. pay that mid Feb, car needs petrol, but done well, all bank charges have been added and I'm still within my OD limit, which is brillaint as the charges were £315.00, my OD was£1,000 had it increased to £1250 coz of charges and I'm within, so somewhere along the month, I've managed to save money. x

mum2one

Heres the end of month summary -

Outgoings

£225 - debt repayment done on snowball - pd £335
£40 - Overdraft - - paid £0
£30 - Sky - pd £31
£15.00 - Life Ins - pd £15
£50.00 - Car - Petrol, + insurance - need £35 petrol
£15.00 - Mobile Phone - £15
£50.00 - Internet and Phone - £50.00 pd
- £15 - Clothes budget me - been allocaed carried 4ward to use with Feb money
£30 - DD (pocket money, ballet, tap, swimming lessons, try to pay those out of cashback when I do - chuck the extra of debts) £15.00 dd, £15.0 went on mothers day presents
£40.00 - Replace money borrowed from dads saving account £very naughty didnt pay
£80.00 - Pay household bills - pd £40.
£40.00 - me - got £15.oo left but going for meal Saturday - full spend
£200.00 Rent - paid end of month
£15.00 haircuts - no haircut went towards bank charges
£20.00 holidays - that went in bank charges pot
£15.00 dd clothes budget - in tact, put that aside need new school coat soon.

As you can see had a very hit and miss month, thought it was going to b a good start but the £315 bank charges kind of threw a big iron in the fire.

But I've survived, had a free night out at the cinema, going out Sat for lunch with friend, 2 4 1 pub, so be cheaer and spent good quality time with dd atthe weekend, we've baked, we drawn pictures, we've painted, made jewellery kit and had numerous games of junior monopoly.

Determined to get Feb back on track, solater this week sort out Febs payments etc.

thank you to everyone for your support and kind words, and help and assistance, as without this I'd of gone to pieces this month. xx

LittleEmms

Despite the bank charges you remain so postive! Well done you!!! It takes a few months til you start getting straight hun, but the thing I keep remembering is I am no longer on a downwards spiral!! Not going to spend what I haven't got.

Keep going - you're doing so well!! xx