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Hypno's spending diary for June.....

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  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    The skis get waxed and edged.....anything to get that extra 100th of a second off the time :rolleyes: It's strange - they are able to iron the bases of their skis yet can't work out how to iron a t-shirt :rolleyes:

    I've tried having a ski budget but that works about as well as all my other budgets! The fact is that it would just be too scary to add up the costs......

    £9 to enter a regional race, £16 to enter a national one petrol and overnight stays in a travel inn where needed plus food. And that is almost every weekend through the summer......for two of them.....although we have been trying more to share lifts this year to help everyone out, and twice this year DS has been taken by someone else which helps.

    Then skis - about £400 a pair, boots £200 a pair, poles £25 a pair, helmet £90.......and they grow out of these like everything else. Of course, when they go on snow they have more than one pair of skis - for slalom, for Giant slalom and for superG, and race catsuits.....even more expensive race entry fees.

    We do get as much as we can second hand, and also sell on what we can to recoup some of the costs as well, but sometimes their things are so so so worn through there is no re-sale value at all.

    Their national level training here and on snow does cost, but all training they get at the club is covered by us working for free at the ski club, so that helps a lot.

    OH keeps saying they should give it up and take up table tennis instead as the kit is much cheaper! But I think that whatever sport they do at that level it is going to cost a fair bit.

    I will have to try and work it out properly, and set a proper, realistic budget.....
    Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)
    Life begins at the end of your comfort zone (Neale Donald Walsch)
  • hypno06 wrote: »
    The fact is that it would just be too scary to add up the costs......

    Sounds like you are at the edge of a lightbulb confessional of a newbie :p

    You know better than any of us the importance of facing up and taking control of debt and it sounds like the skiiing costs could/should be the next thing to get the Hypno treatment and be taken by the scruff of the neck and faced and dealt with :D :A
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    I need to tot up yesterdays spends.....will do it when I get to work and will post then. It won't be pretty :rolleyes:
    Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)
    Life begins at the end of your comfort zone (Neale Donald Walsch)
  • Mudbath
    Mudbath Posts: 5,479 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    hypno06 wrote: »
    I need to tot up yesterdays spends.....will do it when I get to work and will post then. It won't be pretty :rolleyes:

    Shut your eyes as you type it and it won't be so scary!

    Do I put my yankee tarts as an essential or unessential expense....I could use them for work (in theory)! Mmmmmm guess it wasn't essential. I don't like this thread as it's making me analyse everything I spend! :eek:xx
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    :hello: It does, doesn't it ... I *try* to be good .... it sort of happened yesterday by accident. I went food shopping while I was at my sister's yesterday, otherwise I'd have had to leave her early. So I said I couldn't go to Waitrose, her supermarket - I just wanted fresh veggies, and they *are* more expensive there, on average, tho not everything is. So we went to Sainsbury's, and she sat in the car vegging for a bit while I went in, with my mum. And tho I've been slagging my mum off this morning on another thread, I have to acknowledge that I bought 2.5 kg of potatoes and some fresh veg, and she paid for it, because she'd put strawberries and yogurts into my basket :o
    2023: the year I get to buy a car
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    hypno06 wrote: »
    I need to tot up yesterdays spends.....will do it when I get to work and will post then. It won't be pretty :rolleyes:

    £56.81 spent yesterday on food and drink at a fundraiser (for 5 of us, Indian food, very nice) including raffle ticket which won me a box of Thorntons Chocs....

    .....but which I suppose I should put down as avoidable, because we didn't have to go.

    And £2 on bread
    £10 on petrol

    So, total for 7th June - £68.81
    Total for June so far - £335.29

    Of which £100.60 entirely avoidable :o

    On the plus side - still no shop bought lunches or coffees :rolleyes:
    Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)
    Life begins at the end of your comfort zone (Neale Donald Walsch)
  • beanielou
    beanielou Posts: 96,827 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I am so full of admiration.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
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  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    I am full of :eek: and :mad: generally!

    And I'm not even wasting my money on chocolate!!!
    Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)
    Life begins at the end of your comfort zone (Neale Donald Walsch)
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi hypno - inspired by your diary I have started tracking my spending.... and so far this month I have spent more than you.... EEK EEK
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £5K updated 10/10/25
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    PS I am still spending money on chocolate - but I am a chocaholic!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £5K updated 10/10/25
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