Floozie's Lightbulb Diary

Intergalactic_Floozie

I'm just posting on here to say I'M GOING TO SEE TAKE THAT TODAY!!!!!

I also paid for a ticket for my friend, so I hope she will have the money to reimburse me for it - if she does, then that will be £69 to go towards my PAD.

Need to get my spending and eating in order. I have this pattern where I am very well controlled for a few weeks, then one thing happens which spoils my routine and then I just go off on a massive orgy of spending and eating!

Got freezer defrosted yesterday, so now I can shut the door, which means I can go shopping to fill it up again!

Lurker1972

ooooooooooohhhhhhhhh, how were the boys????
we go on Saturday, WEMBLEY STADIUM HERE I COME!!!

should be a good day out with loads of singing, don't even care if it rains, they'll put on a great show, I'm sure

eating out of control over here too........bad bad bad!!!

Intergalactic_Floozie

The day was fantastic! They always put on such a good show. I wish I was going again.

Lady Gaga pulled out due to ill health (allegedly) so instead we had the Script, who I blooming well love, so I was really pleased!

Weather was perfect, warm enough so that didn't need a coat, but not so warm it was passing out time.

I can't wait til they tour again.

And I didn't get the money from my friend "she didn't know how I would feel about carrying £70 round in a big crowd"!!!!! Why not write me a cheque then daft bint? Lord knows when/if I will ever see it again?

Lurker1972

i would prefer the Script to Lady GaGa anyday! my friend was disappointed about her being support act......we got spoilt on the reunion tour - female whose name escapes me (she was good, honest) & Sugababes who were excellent!!

am hoping weather on Saturday will be cooler than today, am melting!!!

Intergalactic_Floozie

Oooh dear. Forgive me finance fans for I've fallen off the debt wagon spectacularly. I'm so ashamed of myself. I've been spending money I haven't got, been buying clothes, been buying luxury and non-essential food items and being generally frivolous back to buying magazines and make-up again,

Anyway I've been bloody stupid and "lent" my brother £125 to buy his girlfriend a second hand sofa and now I am thinking "you silly cow, you will never see that money again"

DS2 brought home a sponsor sheet from school for a sponsored penalty shoot out. If you got £2 you got a medal, if you got £20 you got a football. I couldn't be bothered getting sponsors and he was desperate for a football so what did I do? Did I go down to local sports shop and buy him a football for £2.99? No. I sponsored him £20 (cringe) so instead he can be given the aforementioned £2.99 football by a man dressed up as a chicken!

I've become a big fan of the RFQS (whoopsies) aisle and have done brilliantly with reduced price ready meals however my shopping bills have been ridiculous lately, I spent £110 on Sunday, added to which I have resorted back to buying shop bought lunches and even breakfasts.

Trying to diet I spent £30 on those Alli tablets from Asda.....and I haven't even dared to take them in case of any poo-related accidents. Bloody impulse buying AGAIN

I've been putting money on my Tesco CC and not transferring it over from the savings account so have no idea how much is on my Tesco CC.

I desperately need to start debt busting and budgeteering again.

Six days to pay day (not sure how much money I have got remaining but I need to try and aim to spend as little as possible until then)

PS - also made first sale on Green Metropolis - "The 19th Wife", so pleased with that and will post that this afternoon

Lurker1972

by sponsoring DS you also ensured street-cred remained in tact, which is worth way more than £20!!

I was tempted by the Alli tablets, or adios or anything I can eat to make me lose weight.......have to say the thought of poo-related accident could put me off...

as for the spending, its like anything you try to control to extreme, every now & then you'll rebel.........I'm desperate to spend some money....on unnecessary items, so far I'm winning the battle but I can feel the defences weakening.......may have to give in & have KFC!! its not really falling off the wagon as much as walking alongisde the horse for a mile or so!!

moo2moo

Take the Alli back and get a full refund. Then venture into Boots and buy a bar of diabetic chocolate. Tasates lovely but is 90% laxative. Step mother discovered this by accident. She was ironing away and fancied a bit of chocolate. being on the slimming world plan opted for my dads diabetic chocolate - less sugar, few calories more pieces and so the entire bar was rapidly consumed. The bottom quite literally fell out of her world.Or was it the world fell out of her bottom?

I too have been spending money I don't have. Yesterdays purchase was 3 x Struxx Robotrixx for Christmas for the bargantastic price of £9.87 each instead of £39.99. One would have been good, 2 useful but three????

mooomin

moo2moo wrote: »

I too have been spending money I don't have. Yesterdays purchase was 3 x Struxx Robotrixx for Christmas for the bargantastic price of £9.87 each instead of £39.99. One would have been good, 2 useful but three????

Ebay with a reserve so you don't lose money?

Intergalactic_Floozie

I've lost the receipt for the Alli. I wonder if I can persuade my work colleague's who also wish to start taking this wonder drug to buy it off me. To be honest I really need to start re-learning a normal eating habit / pattern rather then focusing on losing weight. I have no idea what normal eating is anymore.

Oh - spent £10 on a pair of jeans in Tesco (reduced from £20) I didn't need them but the bad devil on my shoulder made me do it, some foundation, and 2 x milkshake slim-fast type shakes.

Intergalactic_Floozie

Ohhhh my word - my fellow budgeteers! Well the time has come to face up to my six weeks of madness. I've been paid, got DH's wage slip and know exactly what is coming in and out over the next month and I've plucked up the courage to look at my current account balance and I could cry (in fact I think I might) boo hoo.

Current Account:
Balance at 14th June day before payday: £262.22 overdrawn
Balance at 14th July day before pay day: £786.16 overdrawn
A difference of £569.94-

Everyday Money
Money left in this account: £701.28
Transferred £569.94 into current account to cover shortfall.
Money left: £131.34

Credit card statement came today and I was dreading it!!! I've been spending normal stuff on it (like petrol, groceries) and then 'not being bothered' to transfer the money to one side so I knew I had all that to contend with. Then I was spending on it a bit frivolously (clothes), and we had to buy a new laptop, DH a new suit for work, and he wanted a 'boy toy gadget' called a Slingbox, which was meant to come out of our emergency savings, and I also gave my brother some money to buy his girlfriend a sofa.

Credit card statement came today and balance is £1268.97 (EEEEEK)

So:
£131.34 from everyday money
£162.95 in cheques to clear
£4.86 from PAD (that I never actually paid LOL)
£28.83 from DS1 (he wanted some DVDs so I paid on my CC and he gave me cash)
£315.26 from HSBC, which was money I had actually put away at the beginning of the month when I had been organised.
£105.95 from savings account for Slingbox.
£349.00 from Savings account for Laptop
£94.50 from Savings account for breakdown cover for cars
Grand Total: 1193.68 (short on paying credit card off by £75.29, which will have to come out of the savings account)

Money in Savings account = £4338.65
Minus Credit Card Bill of £1268.97
Grand Total of Savings Left: £3069.69

I also paid my home insurance on my credit card too, which was £191 but that was only yesterday so hasn't gone onto the bill yet so I will deal with that next month but I aim to put the £19.54 per month that I had been paying on installments into my emergency account.

So - all in all - it wasn't as bad as it could have been!

I have texted my brother today and asked him if he had some money for me. He claims he will be calling around with £40 tonight (to pay the sofa off in three installments).

I also e-mailed my friend who I went to see Take That with and asked her to pop me a cheque in the post (but I wont hold my breath!!!).

Bad news on the car front. DH's car packed in (again) on his way home from Newbury on Friday. It went to the garage on Saturday. Tuesday we were told it would need a new engine, we've been quoted £2k for a reconditioned one, so the garage are now looking for a price for a second hand one (don't know what the difference is) but it's likely to be not economically worth repairing.

Luckily we have mine, but DH has more need for a car than I have as he needs to get two kids to two schools in a morning followed by himself to work five miles away (or two buses). As I am on one two-mile bus route to work it makes more sense for me to give the car away so I've been going to work on the peasant wagon and likely to be for the foreseeable future.

However my car is a bright yellow girlie car and although he doesn't mind driving it in emergencies he's a bit sulky about driving it for the next two years (till our loans are paid off). However I don't want to sell a reliable, economical car just to protect his image. On the other hand I could still get £5500 for it, pay off a loan and he could have up to £1500 for an older car? I'm not rushing into anything though.

Got my last bit of overtime in this month's wage, then that's it - back to basics next month. Found myself with £1016.63 in my everyday account, and £28.60 in my purse.

Spends Today:
£10.00 loaded onto bus pass. Have discovered that the bus fare is £1.80 each way but if I got a bus pass that I load money onto beforehand, I can get a £3 ticket in a morning that lasts all day thus saving me £0.60 per day (DUH)

DH had to go and visit a private dentist today so I had to pay £34 for that, plus more when he goes back next week.

£6.50 on painkillers at chemist for DH and teeth. He got antibiotics from the dentist and she suggested he went and bough co-codamol so I stocked up on Ibuprofen and Clove Oil too.

£1.80 bus fare this mornings

Money left in bank £962.63
Money left in purse: £29.90
(+ 5p into coppers jar)
Days left to payday (29 days)