pammyj74's MFW diary (or possible wishful thinking!!)

pammyj74

Thank Babysteps for the encouragement, i will crack on with it, hopefully do some more tonight.

pammyj74 wrote: »

Ok so to wrap what I have left to do on my last day off tomorrow

• Study - want to do 2 hours monday - did hour and half now I am beat!
• surveys as they come through
• enter 200 comps 148/200 done
• [STRIKE]sort out laundry[/STRIKE]
• [STRIKE]washing[/STRIKE]
• [STRIKE]tidy lounge[/STRIKE]
  
• [STRIKE]clean floors downstairs [/STRIKE][STRIKE]and clean rug[/STRIKE]
• [STRIKE]order tesco vouchers for London[/STRIKE], check with school and pay rest for trip.
• [STRIKE]send back unused tesco vouchers ordered for study course not going to use[/STRIKE]
• [STRIKE]sort out kids holiday club days and write out work days off to book.[/STRIKE]
• [STRIKE]possibly do one more dooyoo review, am 14k off £50 cheque[/STRIKE] 12k off now
• [STRIKE]sort out travel insurance and airport parking[/STRIKE]

Have done quite a bit over this long weekend and have booked my airport parking and travel insurance for our trip to Turkey in July (free Mr T hol)
Have sent back £270 in tesco deals as not going to use them now, going a different route with the home study.

On the finance side of things I have bought what I need for the week hopefully so my mini challenge this week is to not spend any money this week til saturday. I do have to pay for school trip and kids holiday club for whitsun break but apart from that.

pammyj74

Just worked out my total income for the year is £18840 and my outgoings including the budget for petrol and groceries is £16400 which gives me approx £200 left over each month if i have no other spends, I normally at least OP £100 and I do get the odd extra money from certain things like bingo and surveys etc but seeing it all out like this .

I dont think I have ever put down my monthly outgoings so here goes:

Mortgage............£696
C.Tax- .............. £ 82
Water- ............. £ 30
kids swim .......... £ 33
kids clubs .......... £ 20
elec/gas-............ £ 66
house ins-......... £ 22
car ins ............. £ 33
appliance ins ..... £ 20
life ins ...............£ 7
phone/internet ... £ 20
mobile- ............ £ 10
tv licence ...........£ 12
childcare ............£ 45
Grocery-.............£120
petrol.................£140 (will go down in july to £100 hopefully as one week off work and school and then no more travelling to DS2 school in the opposite direction to work!)


total £1,366!

I have scraped to the smallest I can get on most things, dont think i could shave off anything else

SmlSave

Thanks for your monthly run-down pammy.

You are so good :A its just me and DH here and we spend the same overall just between us!

pammyj74

thanks
with the grocery budget I dont need to buy toiletries as I had a shed load last year with the tesco points bonanza.
I also shop around for the best prices for fruit and veg (we eat a lot of fruit!)

pammyj74

ok so a NSD today, usually drop DS2 off at beavers and walk to Mr M but really didnt need anything and as my mini challenge is to get to Saturday without spending anything, me and DD went to the park and sat in the sunshine and had a lovely time chatting and playing word games, so not only saving me money but quality time with my daughter. It was great.

Other mini challenge will I am going to see about being ongoing is to do 5 hours study a week.

Starting yesterday I did 1.5 hours and will try and do another hour tonight.
I do think that I am going to FORCE myself to have a night with the laptop turned off and truly relax for once. not sure what night yet tho.

EDIT: Total study time this week 2.5 and struggling to understand certain bits

Baby_steps_2

Sounds like you have had a lovely day pammy and well done on the NSD.:j

Just wanted to say your budget outs me to shame and you are doing such an amazing job sticking to it. It put mine to shame!!:rotfl:

pammyj74

You'll get there baby steps if you really want it. Its like I keep telling myself about this studying, if I really want it I will put the time in to get where I want to be.

Well got a letter from an old ebay customer today who used to buy personalised address labels from me and she has asked me to do her 11 sets for her. Please note I havent done these labels or charts etc for nearly two years!! But there are a couple of people that do come back every once in a while and say I see you are not doing these anymore but can you do me some?

So have to look and see what I used to charge as I cant remember lol

well just checked and I used to charge £2.70 inc p&p so was thinking I could charge her £1.50 for a set of 112 x 11 sets - £16.50 plus £3.50 p&p. I already have the labels from when I used to do them and it will probably use them all up but I am not using them anyway so its about £15 clear profit for about an hours work :T


oh and editing to add another NSD for me :j :j :j

SmlSave

wow pammy that's so nice that an old customer still thinks of you! I bet you do the best personalised labels anywhere in the world

pammyj74

haha , I think with this customer she likes a certain type of pictures on hers that she cant find anywhere (old style pictures)

I am really annoyed with myself but I did not avoid temptation today I wanted to get to saturday with all NSDs, but DD went to a friends and it was just me and DS2 tonight so after walking into town to the library we ended up getting chips on the way home! :mad: only £2.40 but it all adds up! Im cross!!

Study time so far this week 3 hours, hoping to do a bit more tonight but must start earlier as I got a bit too tired last night and only managed half hour as I was reading but not taking it in

pammyj74

:mad::o:mad::o:mad:

Am really cross with myself as I have just wasted a couple of hours on here and got nothing else done. (was looking into MS as well tho)

I have been really tired this week and on looking in the mirror earlier i LOOK tired too (brown circles around the eyes)

think i will go to bed now as I have not been going to sleep until way after midnight and getting up at 7. (I do make up for it at the weekend )

so a tired but upset pammy is going to bed having accomplished nothing and failed challenges