My 2009 Challenges & Debt Free Diary

Penny2myName

Just feel like crying. Been burgled through the night.
Hand made moneybox with approx £14 in £2 coins
2 x £20 notes from kitchen work unit near monitor
Monitor was all detached.
Daughter's Toshiba laptop has gone from front room Have called insurance over this but have to pay £100 access
Back gate was open
1st shed door was open
plank of wood has been brought into kitchen....Why????
blue train wallet that contained Bank cards/college pass Need to replace this £5/train pass Need to replace this £24,plus loyalty cards.

Could truly scream.

lauradora

bloody hell love i'm ever so sorry. Anything I can do???

Penny2myName

Catch the git that did it. Other than that nothing really but thanks for the offer.

Penny2myName

Well my mum got an offer for a transfer closer to me, so I maxed out my O/D so she could get her rent up to date, day later my Dad has called from Manchester, my Nanna has died, so now waiting on money back from mum tomorrow, fingers crossed the advanced reduced tickets are still avalible so it only costs me £13 to get me and kids there for funeral instead of £20. Have had to order stuff on catalogue to kit kids out. My two wool coats had been knocked on floor and animals used them for a bed overnight, couldn't get the hairs off so washed them, but now look a mess so ordered a coat in sales too. Think I am going to have to bow out of many of my challenges this year.

Penny2myName

Just checked and have managed 7NSD's atleast this month, with luck should get last one in for my target.

lauradora

hope things are looking up for you a bit babe xxx

Penny2myName

Well I discovered yesterday I have a slight inheritance, and came home with a £1000, I do have some more to come, but not fully sure of figure yet. Anyhow I have decided to use part of it to pay of my debts which incur interest, and place the rest in an ISA. The amount I am placing in an ISA I am hoping to use to take my kids to Lapland 'THIS' year. Since I will have around £180 freed up a month from my 'interest incurring' debts, I can then use that as extra to pay off my non interest debts, whilst the reminder of my inheritance is actually working for me. I have started off by clearing my O/D that was near on maxed out to £700, and asked the bank to reduce my O/D limit to £50, which if I ever go into it again, is easily manageable for me. [STRIKE]I am going to pay[/STRIKE]Have paid £219.64 off my CC, with the reminder bringing my CC balance to £1000, which I will then clear when rest of the cash hits my bank account, and then ring Vanquis up and fully cancel my card (which is at my mothers in a sealed envelope cut into pieces). Also I will clear my La Redoute Catologue account as I have to pay interest on that one.
I know many people would use thier full wack to clear their debts, but I want to use it in a way which works and benefits both myself and my kids the best, as I know that is what my nanna would have wanted.

Penny2myName

Total spend for 01 Feb 2009 - 28 Feb 2009: £1029.39

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ANIMALS
2009-02-07 Cat Food £7.14
2009-02-07 Cat Litter (40lt) £4.64
2009-02-07 Dog Food £9.57
TOTAL FOR ANIMALS £21.35
BILLS
2009-02-02 T.V LICENCE £11.61
2009-02-05 LEGAL and GENERAL IN £11.84
2009-02-05 SSE ENERGY SUPPLY £100.00
2009-02-09 SCOTTISH POWER £32.00
2009-02-24 BT Phone £32.18
2009-02-24 Virgin Broadband £15.17
TOTAL FOR BILLS £202.80
CHARITY
2009-02-02 York Wildlife £4.00
TOTAL FOR CHARITY £4.00
CLEANING
2009-02-05 Washing up Liquid £0.80
2009-02-06 Bathroom cleaner (2) £1.00
2009-02-07 Kitchen cleaner (2) £1.00
TOTAL FOR CLEANING £2.80
COLLEGE
2009-02-09 Travel £1.80
2009-02-23 Travel £1.60
TOTAL FOR COLLEGE £3.40
DEBT
2009-02-19 La Redoute £15.00
TOTAL FOR DEBT £15.00
DEBTS
2009-02-05 LA REDOUTE £15.00
2009-02-12 La Redoute £15.00
2009-02-12 Vanquis £56.00
2009-02-17 DFS DINING £19.64
2009-02-23 Littlewoods £203.72
2009-02-27 DFS Sofa £83.50
TOTAL FOR DEBTS £392.86
DECORATING
2009-02-16 1inch paint brush £3.99
2009-02-16 Black Gloss £8.49
2009-02-16 Gingersnap Gloss £2.00
2009-02-16 Tape £1.79
2009-02-16 Tudor Rose Gloss £2.00
TOTAL FOR DECORATING £18.27
FOOD
2009-02-01 Bananas £1.00
2009-02-01 Carrots £1.00
2009-02-01 Cauliflower Cheese Grills £1.00
2009-02-01 Cheese £2.75
2009-02-01 Chicken and Veg Pies £1.00
2009-02-01 Coffee £3.00
2009-02-01 Custard £1.00
2009-02-01 Diced Swede £1.00
2009-02-01 Garlic £1.20
2009-02-01 Margerine £1.20
2009-02-01 Meat Deal £10.00
2009-02-01 Milk £4.00
2009-02-01 Mince and Onion Pies £1.00
2009-02-01 Mushrooms £1.00
2009-02-01 Peppers £1.00
2009-02-01 Petits Pois £1.00
2009-02-01 Pinapples £1.00
2009-02-01 Sausage roll £0.77
2009-02-01 Sliced Cabbage £1.00
2009-02-01 Sugar £0.79
2009-02-01 Vegetable Burgers £1.00
2009-02-01 Yougarts £1.10
2009-02-05 Crumpets £0.66
2009-02-05 Magerine £1.42
2009-02-06 Cheese (2) £4.00
2009-02-06 Coffee (4) £12.00
2009-02-06 Hot chocolate (2) £1.00
2009-02-06 Lard (2) £0.56
2009-02-06 Wheatabix £0.75
2009-02-07 25kg Potatoes £4.00
2009-02-07 black turtle beans £0.36
2009-02-07 Caster sugar £1.95
2009-02-07 fruit juice £0.16
2009-02-07 Jam £0.38
2009-02-07 Jelly (2) £0.14
2009-02-07 Milk (8) £3.00
2009-02-07 mug beans £0.50
2009-02-07 Pectin (sugar) £0.25
2009-02-07 pot noodle (6) £1.62
2009-02-07 tuna multi (2x4) £4.00
2009-02-09 Margerine £1.58
2009-02-14 rice crispies £1.50
2009-02-14 Soup £1.00
2009-02-15 Milk £1.40
2009-02-16 chappelletti £1.00
2009-02-16 Cheese £2.00
2009-02-16 Chips £0.60
2009-02-16 cocopops £1.64
2009-02-16 Fish Fingers £0.95
2009-02-16 French Stick £0.55
2009-02-16 Large Veg Samosa (4) £2.00
2009-02-16 Noodles £1.00
2009-02-16 Pasta £0.43
2009-02-16 Pizza (4) £5.20
2009-02-16 Tortelloni £1.00
2009-02-16 Weetos £1.53
2009-02-17 Milk £2.26
2009-02-20 Apples £0.65
2009-02-20 Basmati Rice £1.69
2009-02-20 Beef Noodles (3) £0.30
2009-02-20 Boneless spare ribs (2) £2.90
2009-02-20 Carrots £0.49
2009-02-20 Cheese Rolls £0.30
2009-02-20 Chicken Drumsticks (3) £1.50
2009-02-20 Chicken Noodles (3) £0.30
2009-02-20 Cream Crackers £0.39
2009-02-20 Diced Beef (4) £6.00
2009-02-20 Gnocchi £0.69
2009-02-20 Korma Sauce £0.59
2009-02-20 Large Rolls £0.47
2009-02-20 Pasta Quills £0.55
2009-02-20 Pasta Shells £0.69
2009-02-20 Pasta Twists £0.55
2009-02-20 Savory Rice (2) £0.78
2009-02-20 Shreddied Wheat £1.45
2009-02-20 Sugar (3) £2.07
2009-02-20 Veg mix £0.35
2009-02-20 Walls Sausages (2) £0.70
2009-02-22 Eggs £1.45
2009-02-23 Cheese Pizza (2) £2.60
2009-02-23 Garlic Baguette £1.00
2009-02-25 Milk £2.26
TOTAL FOR FOOD £130.92
GARDEN
2009-02-07 100lt Compost £3.79
2009-02-14 Compost £10.00
2009-02-16 Lawn seed £3.99
2009-02-16 willow wigwam (2) £5.98
TOTAL FOR GARDEN £23.76
GIFT
2009-02-16 Kneeler seat £2.99
TOTAL FOR GIFT £2.99
HOLIDAY
2009-02-03 TRAIN TICKETS £116.50
2009-02-04 TICKET INSURANCE £5.00
TOTAL FOR HOLIDAY £121.50
HOUSEHOLD
2009-02-16 black lace Lamp Shade £0.99
2009-02-16 Lilac paper lampshade £0.29
TOTAL FOR HOUSEHOLD £1.28
JUNK FOOD
2009-02-03 Crisps (8) £0.40
2009-02-09 Jaffa cakes (2) £1.00
2009-02-16 Carte Dor Icecream £1.65
2009-02-16 Club Biscuits £0.71
2009-02-20 Choc Milkshakes (3) £0.42
2009-02-20 Donuts £0.33
2009-02-22 shortbread £0.35
2009-02-23 Crunch creams £0.48
2009-02-25 dunkers £0.68
2009-02-25 foxes bars £0.54
TOTAL FOR JUNK FOOD £6.56
KIERAN CLOTHING
2009-02-25 Shirt Funeral £5.00
TOTAL FOR KIERAN CLOTHING £5.00
MOBILE PHONE
2009-02-13 Top Up £5.00
2009-02-27 Top Up £5.00
TOTAL FOR MOBILE PHONE £10.00
OTHER
2009-02-09 coffee £0.90
2009-02-09 Hot chocolate (2) £2.90
2009-02-16 Bag £0.99
2009-02-20 Carrier bag £0.03
2009-02-20 Poundstretcher £4.45
2009-02-22 Carrier bag £0.03
TOTAL FOR OTHER £9.30
PATRICK CLOTHING
2009-02-25 Shirt Funeral £8.00
TOTAL FOR PATRICK CLOTHING £8.00
SERENA CLOTHING
2009-02-24 Funeral Dress £20.00
TOTAL FOR SERENA CLOTHING £20.00
TRAVEL
2009-02-01 Bus £2.20
2009-02-03 Dental bus fares £8.80
2009-02-04 Dental bus fare £4.00
2009-02-23 Funeral Train tickets £14.60
TOTAL FOR TRAVEL £29.60
TOTAL £1029.39

£4k Budget Challenge
BILLS
Jan 2009 £152.11 Feb 2009 £202.80
BOOKS
Jan 2009 £6.24
CHARITY
Jan 2009 £4.00 Feb 2009 £4.00
CLEANING
Jan 2009 £0.65 Feb 2009 £2.80
DELIVERY
Jan 2009 £21.26
FOOD
Jan 2009 £59.18 Feb 2009 £130.92
GIFT
Jan 2009 £14.97 Feb 2009 £2.99
HOUSEHOLD
Jan 2009 £108.65 Feb 2009 £1.28
MOBILE PHONE
Jan 2009 £10.00 Feb 2009 £10.00
OTHER
Jan 2009 £13.26 Feb 2009 £9.30
TOILETTRIES
Jan 2009 £108.70

TOTAL £499.02 TOTAL £364.09

Penny2myName

Well been and bought myself another huge box of washing powder, will see how long this one lasts, last one lasted for months, just cant remember when i bought it so not sure how long it lasted for just somewhere around 5-7months, and for £13.99 think that is pretty snazzy.

Penny2myName

CLEANING
2009-03-01 Daz Washing Powder £13.99
2009-03-01 Washing up liquid (2) £1.58
TOTAL FOR CLEANING £15.57
EASTER
2009-03-01 Simpsons Breakfast Egg £1.99
2009-03-01 Simpsons Egg £0.79
2009-03-01 Toberole Egg (2) £5.98
TOTAL FOR EASTER £8.76
FOOD
2009-03-01 Baked Beans (4) £1.19
2009-03-01 Chicken fillets £1.50
2009-03-01 Cornflakes £0.99
2009-03-01 Cucumber £0.79
2009-03-01 Milk (18pts) £5.97
2009-03-01 Mince £0.80
2009-03-01 Sugar (3) £2.07
TOTAL FOR FOOD £13.31
GARDEN
2009-03-01 'Bramley' Apple Tree £4.99
2009-03-01 'Conference' pear Tree (2) £9.98
2009-03-01 Apple Tree 'Cox's Orange Pippin' £4.99
2009-03-01 Pepper seed growbag £1.99
TOTAL FOR GARDEN £21.95
JUNK FOOD
2009-03-01 Foxs Echo Bars £0.99
2009-03-01 Sausage rolls (3) £1.56
TOTAL FOR JUNK FOOD £2.55
TOTAL £62.14