My 2009 Challenges & Debt Free Diary

Penny2myName

Just been going through all my figures for beginning of Feb, and I am almost at same level of debt as as when I had my LBM. I have done alot of one off buys this month. Have made sure all the buys have been in the sales which is a good job otherwise I would have gone over my LBM amount. Next month I still have a large pay out for bulk compost which will be coming out of my O/D. That is the last of large purchases, as I think the fridgefreezer can wait, so can having my floors laminiated. They can be 2010's buys.

Penny2myName

Total spend for 01 Jan 2009 - 31 Jan 2009: £1366.14


ANIMALS
2009-01-09 Dry Dog Food £5.03
2009-01-10 Dry Cat Food £0.72
2009-01-11 Cat Litter £1.56
2009-01-11 Dry Cat Food £1.85
2009-01-22 Dry Cat Food £0.72
2009-01-23 Dry Cat Food £3.57
2009-01-26 Cat litter £2.62
TOTAL FOR ANIMALS £16.07
AVON
2009-01-09 Brochures (45) £14.53
TOTAL FOR AVON £14.53
BILLS
2009-01-02 T.V Licence £11.61
2009-01-05 LEGAL and GENERAL IN £11.84
2009-01-05 SSE ENERGY SUPPLY £45.00
2009-01-07 SCOTTISH POWER £32.00
2009-01-26 BT PHONE £36.48
2009-01-26 Virgin Broadband £15.18
TOTAL FOR BILLS £152.11
BOOKS
2009-01-10 'The Money Diet' Martin Lewis £2.25
2009-01-17 Christmas Idea book £3.99
TOTAL FOR BOOKS £6.24
CHARITY
2009-01-02 York Wildlife £4.00
TOTAL FOR CHARITY £4.00
CLEANING
2009-01-29 Soda Crystals £0.65
TOTAL FOR CLEANING £0.65
DEBT
2009-01-02 LA REDOUTE £15.00
2009-01-08 LA REDOUTE £15.00
2009-01-08 VANQUIS £100.00
2009-01-22 LA REDOUTE £15.00
2009-01-26 LITTLEWOODS £209.98
2009-01-27 DFS SOFA £83.50
TOTAL FOR DEBT £438.48
DEBTS
2009-01-15 LA REDOUTE £15.00
2009-01-19 DFS DINING £19.64
TOTAL FOR DEBTS £34.64
DECORATING
2009-01-06 Blue/Silver Wallpaper x 5 £2.50
2009-01-06 Pale brown Wallpaper £0.50
2009-01-06 Soft stone Dulux Kitchen Paint £9.48
2009-01-06 Tester Pots x 4 £5.96
2009-01-07 9inch roller kit £3.99
2009-01-07 Bag for life (2) £1.98
2009-01-07 Crown Period Colours - Warm Marble - 2.5L £8.98
2009-01-07 Crown Period Emulsion - Candelabra - 2.5L £8.98
2009-01-07 Dulux Interior Matt Emulsion - White Mist - 5L £12.48
2009-01-07 Graham and Brown 'Lois' Blue/silver £0.50
2009-01-07 Homebase Flawless Finish Silk Emulsion - Jazzberry - 2.5 £6.99
2009-01-07 Homebase Flawless Silk Emulsion - Bubblegum - 2.5L £6.99
2009-01-11 Paintbrush £2.79
2009-01-11 Roller Tray £2.99
TOTAL FOR DECORATING £75.11
DELIVERY
2009-01-02 LA REDOUTE £3.99
2009-01-03 Veg Garden Crocus £5.82
2009-01-06 Personal organiser, Filofax style £2.50
2009-01-27 Fireplace £8.95
TOTAL FOR DELIVERY £21.26
FOOD
2009-01-01 Milk £1.35
2009-01-04 Milk £1.35
2009-01-05 Cheese £1.59
2009-01-05 Coffee £2.44
2009-01-05 Milk £0.47
2009-01-06 Milk £2.26
2009-01-06 Potatoes £2.20
2009-01-06 T-bags £1.70
2009-01-08 Milk £2.26
2009-01-10 Carrots £0.50
2009-01-10 Melons £1.00
2009-01-10 Sugar £0.84
2009-01-10 Veg Lasagne (3) £1.20
2009-01-11 Coffee (2) £6.00
2009-01-11 Cress £0.10
2009-01-11 Ham £1.38
2009-01-11 Melon £0.35
2009-01-11 Potatoes £0.48
2009-01-11 Salami £0.58
2009-01-14 Milk £2.26
2009-01-17 Bread £0.45
2009-01-17 Choc swiss roll £0.13
2009-01-17 Eggs £0.80
2009-01-17 Garlic Baguette 2 £0.85
2009-01-17 Margerine £0.85
2009-01-17 Pizza (2) £1.98
2009-01-17 Sausages £0.48
2009-01-19 Cheese £1.99
2009-01-19 Milk £2.26
2009-01-19 Mozzarella £0.20
2009-01-19 Potatoes £1.00
2009-01-22 Cobble Rolls £0.55
2009-01-23 Eggs £1.00
2009-01-23 Milk £1.53
2009-01-26 Chocolate muffins £0.67
2009-01-26 Croissant £0.33
2009-01-26 Egg Noodles £0.50
2009-01-26 Margerine £0.80
2009-01-26 Milk £2.26
2009-01-26 Pain Aux Chocolate (2) £0.66
2009-01-26 Savoury Eggs £0.50
2009-01-26 tropical fruit juice £0.51
2009-01-29 Eggs £1.00
2009-01-29 potatoes £0.99
2009-01-29 Sugar £0.93
2009-01-29 Topside Beef Joint £5.65
TOTAL FOR FOOD £59.18
GIFT
2009-01-10 'The Three most important lessons' Martin Lewis £3.99
2009-01-11 Baroque Mug £2.00
2009-01-11 Frost Dragon model/book £4.98
2009-01-11 USB Dancing Robot £2.00
2009-01-11 USB Mini Racing Car £2.00
TOTAL FOR GIFT £14.97
GLASSES
2009-01-02 A S Parkhurst £15.20
TOTAL FOR GLASSES £15.20
HOUSEHOLD
2009-01-02 Faux Fur and Imitation Suede Throw £29.40
2009-01-06 Baroque Patterned Bath Sheet £9.98
2009-01-06 Baroque Patterned Towel £4.69
2009-01-06 Cast iron 9.5"ribbed grill pan £4.99
2009-01-06 Wall Art £0.99
2009-01-07 Tension Rods (8) £56.80
2009-01-29 Coat Hanger £1.80
TOTAL FOR HOUSEHOLD £108.65
JUNK FOOD
2009-01-05 Crisps x 2 £1.00
2009-01-10 Choc Ice Lollies £0.37
2009-01-10 Choc Ices £0.27
2009-01-10 ShortBread Fingers £0.64
2009-01-19 Flap Jack £0.22
2009-01-22 Jaffa cakes (2) £1.00
2009-01-29 Jaffa cakes £0.60
TOTAL FOR JUNK FOOD £4.10
MOBILE PHONE
2009-01-07 Top up £5.00
2009-01-14 Top Up £5.00
TOTAL FOR MOBILE PHONE £10.00
OTHER
2009-01-06 FiloFax Finances Re-fil £1.75
2009-01-06 FiloFax To Do list re-fill £1.75
2009-01-06 Personal organiser, Filofax style £1.70
2009-01-06 Postage for Zero Bus Passes £1.08
2009-01-11 Dog Money Box £2.00
2009-01-11 Zebra Money Box £1.24
2009-01-17 Umbrella £2.00
2009-01-28 Hot chocolate £1.56
2009-01-29 Xmas tags £0.18
TOTAL FOR OTHER £13.26
SCHOOL EQUIPMENT
2009-01-17 Scientifc Calculator £6.99
TOTAL FOR SCHOOL EQUIPMENT £6.99
SCHOOL TRAVEL
2009-01-05 Kieran £0.80
2009-01-05 Serena £1.60
2009-01-06 Kieran £1.60
2009-01-06 Serena £1.60
2009-01-07 Kieran £1.60
2009-01-07 Serena £1.60
2009-01-08 Kieran £1.60
2009-01-08 Serena £1.60
2009-01-09 Kieran £1.00
2009-01-09 Serena £1.20
2009-01-12 Kieran £6.00
2009-01-12 Serena £6.00
TOTAL FOR SCHOOL TRAVEL £26.20
SCHOOL WEAR
2009-01-06 Trainers £4.00
2009-01-23 Trainers £2.75
TOTAL FOR SCHOOL WEAR £6.75
TAKEAWAY
2009-01-13 Fish and Chips £1.99
2009-01-17 Chips £1.80
2009-01-26 Chips and sausages for four £3.60
2009-01-29 Chippy £4.60
TOTAL FOR TAKEAWAY £11.99
TOILETTRIES
2009-01-05 Pads £0.14
2009-01-06 Bodywash x 8 £10.90
2009-01-06 Conditioner x 12 £30.00
2009-01-06 Shampoo x 12 £30.00
2009-01-06 Soap x 30 £10.37
2009-01-06 Tissue Paper(9) x 5 £13.75
2009-01-06 Toothpaste x 12 £13.54
TOTAL FOR TOILETTRIES £108.70
TRAVEL
2009-01-23 Me £4.00
2009-01-23 Patrick £0.80
2009-01-28 Metro link £2.20
2009-01-28 Train Manchester £17.30
TOTAL FOR TRAVEL £24.30
TREAT
2009-01-26 Lindt Chocolate (2) £0.90
TOTAL FOR TREAT £0.90
VEG GARDEN
2009-01-03 Children's Vegetable Patio Planter £0.01
2009-01-03 Fragaria × ananassa 'Albion' £6.99
2009-01-03 Fragaria × ananassa 'Cambridge Favourite' £6.99
2009-01-03 Fragaria × ananassa 'Elsanta' £6.99
2009-01-03 Fragaria × ananassa 'Florence' £6.99
2009-01-03 Fragaria x ananassa 'Honeoye' £6.99
2009-01-03 Mini Raised Bed and Support Frame £29.35
2009-01-03 potato 'Bonnie Dundee' £0.04
2009-01-03 potato 'Charlotte' £3.99
2009-01-03 potato 'Lady Christl' £3.99
2009-01-03 potato 'Peach Blom' £4.99
2009-01-03 Potato Barrel Planter £19.56
2009-01-03 Potato Planter Bags - 3 Pack £12.71
2009-01-03 Raised Bed £28.37
2009-01-03 Raised Bed - Extension Kit £21.52
2009-01-03 Strawberry Planting Bag £8.80
2009-01-03 Strawberry Tub with Strawberry Net £19.56
2009-01-03 Topsy-turvy Tomato Planter £0.01
2009-01-03 Vegetable Patio Planter £0.01
2009-01-11 Wicker Hanging Baskets (2) £4.00
TOTAL FOR VEG GARDEN £191.86
TOTAL £1366.14


£4k Budget Challenge
BILLS
Jan 2009 £152.11
BOOKS
Jan 2009 £6.24
CHARITY
Jan 2009 £4.00
CLEANING
Jan 2009 £0.65
DELIVERY
Jan 2009 £21.26
FOOD
Jan 2009 £59.18
GIFT
Jan 2009 £14.97
HOUSEHOLD
Jan 2009 £108.65
MOBILE PHONE
Jan 2009 £10.00
OTHER
Jan 2009 £13.26
TOILETTRIES
Jan 2009 £108.70

TOTAL £499.02

Penny2myName

Well done myself some bulk/stock piling shopping today. The delivery charges are just the same now as if I got the bus, but without me having to actually lug it all home myself.

Fairy paper cases - pastel 1 £ 0.32
Petit paper cases 1 £ 0.26
Yeast 6 £ 3.00
Strawberry jam 1 £ 0.38
Original decaffeinated 6 £ 18.00
Hot chocolate 4 £ 2.00
Sugar - caster 1 £ 1.96
Sugar - granulated 1 £ 4.00
Quick snack - beef 4 £ 0.84
Quick snack - chicken and mushroom 3 £ 0.63
Quick snack - curry 3 £ 0.60
Apple & blackcurrant 1 £ 0.16
Dressing strip 6cm x 1m 1 £ 0.38
Waterproof plasters - one size 1 £ 0.46
Twin Toothbrush 2 £ 0.22
Antiperspirant roll-on 1 £ 0.30
Litter 4 £ 4.64
Toilet cleaner - limescale removing 1 £ 0.80
Toilet cleaner - thick forest pine 1 £ 0.80
Multi purpose cloths 1 £ 0.34
Sponge scourers 1 £ 0.15
Wrapping foil 1 £ 0.64
Power mop refill 1 £ 2.99
Power mop refill - Ocean 1 £ 2.98
Refuse sacks 1 £ 0.72
Pedal bin liners 1 £ 0.71
Washing up liquid - original 8 £ 7.44
Strong white flour 6 £ 2.88
Bathroom cleaner - trigger spray 6 £ 8.10
Lemon kitchen cleaner 6 £ 8.10
No wings towel 6 £ 0.84
Mature white cheddar 4 £ 8.00
Beef dripping 2 £ 1.34
English butter 4 £ 3.88
Utterly butterly 4 £ 4.76

subtotal: £ 93.62
multibuy discounts: £ 16.88
eVoucher discounts: £ 0.00
delivery: £ 4.00
estimated total: £ 80.74

Penny2myName

My mum decided to book us all a family holiday but I would have to cover costs of traveling. Well just bought the train tickets today, so have £6 left of my O/D. Thank god I am paid weekly
£116.50 for two adults and 3 children using Family rail pass without it it would have cost £185.00. Also paid £10 insurance coverage, well the way things are going at the moment, insurance seems a good idea.
All that's required now is spending money.
A bit more work has been done on cylinder cupboard in daughter's room. They will plaster it tomorrow once I can make more room in there.
Been enjoying watching the snow fall.

Penny2myName

Well what a busy day today I have got.

• Avon Delivery
• Asda Delivery
• Dentist for 2 kids and me
• Brother's birthday
• Ex and his wife's 5th wedding anniversary
• Catalogue delivery (last item from big order)

Made a slight booboo when I ordered my asda shopping, went for delivery option that clashes with when I am due to take kids to dentist. Fingers crossed it gets here before 4, then I can just rush for bus.

Penny2myName

Still waiting for plasters to come and finish the cupboard in daughter's room. missed my Mr A delivery on 3rd, and am still waiting for them to call me back to re-arrange a new delivery. I have called them 4 times :mad:already since missing the delivery. Getting really annoying now as its got ALL my cleaning stuff in it, and I have no spare money to just nip out and buy a bottle of washing up liquid. Looks like tea will be on my bone china tonight:mad:
Well have a gentle falling of snow here, but it is settling in nicely. Have thrown some bird feed out, but unless they come for it soon, it will be snowed under.
Saw a robin in garden other day which I thought was fantastic. Robin stood on a snow covered side, shame my camera wasn't handy.
I know I am just waffling on, but don't have any get up and go about me at the moment, due to feeling I cant get anywhere with the house till they complete this work.
Feel less guilty about my sales blow out last month now, as the faux fur throws I bought, have come in handy.

Penny2myName

Mr A has finally called and they are going to cancel my order and refund the money, problem is how long will it take to come back to my account, as cant do no shopping till it is back in.

Penny2myName

Just called Mr A's to find out how long a refund will take, and apparently it will take 7-10 working days. !!!!!! I can not deal with this, they never made the delivery, I never signed for the goods, so they shouldn't have taken the money out of my account in the first place.
Its leavingme really stressed and close to tears.

lauradora

hey babe hope things have looked up for you x

Penny2myName

Well a bit of snow on road again today so workmen didn't turn up, so I !!!!!!ed of to college today instead. Ended up our class was having a field trip to Cussy hall. So been drawing cast iron fire places, as too sodding cold to do landscape work.
Finally did first NSD for Feb yesterday. 1/8