KP's Another year older another year wiser?

penguin83

Hi KP, Happy belated birthday from me. Hope you get some money off your friend soon, you are too nice!

Well done on your shopping budget - I am making a real effort on mine this month but we shall see how successful that is! x x

Keeping_Positive

Thanks Penguin :hello:

Its so tough not to overspend isnt it. Most of my list started with Tesco.... lol. Good luck with your budget.

taxi73

Good that you got something off her in the end.

Keeping_Positive

Hello

Made the payment to MBNA, OH nabbed 5 to buy some sugar but other than that a NSD.

Slow start to the day but have sorted the coat cupboard and under the stairs so that looks much better. Each time I do a job like that the house looks a tiny bit better and I still get to laze for most of the day!. Still got hats, gloves and scarfs to sort through but can do that watching TV.

Tomorrows target is the kids toys that are on the landing. The rooms themsleves arent too bad but a lotof excess stuff about that needs a home - hopefully someone elses :rotfl:.

Ssssh just spotted a MASSIVE spider above the computer :eek:.Looks like its gone behind a picture. Thankfully Im not the type to scream but still not my favrite animal since I watched aracnophobia years ago!

Keeping_Positive

Forgot to add guess who found three small :easter_osegg under the stairs. Now do I let the kids know :undecided.

millionaire_in_training

no way !! tell them nothing lol. Wow KP at your budget this month. I thought mine was tight. Good luck with that xx

penguin83

I'm with MIT if they haven't noticed by now they are safely yours! I finally moved all the kids toys out of the living room and into their bedrooms - it was getting ridiculous, problem is I now need to empty their cupboards of even older toys to get the slightly newer toys in, DD asked if I was clearing the living room ready for Father Christmas to bring more - we don't need him when we have Grandad methodically buying them the whole of Argos! x x

Keeping_Positive

LOL at grandad. Younger kids want/get/have sooo much stuff. DD1 almost 12 has stuffed her things in a small viseo cabinet and says thats is other then the trickets on shelfs. Everything else is DD2s who at 9 just cries at the mention of 1 tidying :mad: and 2 getting rid of anything :mad: :mad:. DS has a fair amount but has just about enough room for it. His is all cars or various things with wheels!

Good news today is50p on free scratch card and £15 bodyshop slae to friends DIL :j . So 5 to me and 10 to MBNA.

Spends so far 1 to DD1 which I think I have already added onto total when I promised her 5 last week - she has had 3 so far.

No housework yet still got bags of kids winter /summer hats etc to sort.

Keeping_Positive

Update

Bank balance - -11
Cash 45
total 34

Xmas/birthday savings = 145

Income
Tax cr 82.50
CB 185
OH 240
Expenses ?
Total 510

Monthly Expense Details
Water rates............................. 30
Telephone (land line)................... 35
Satellite/Cable TV...................... 64
Groceries etc. ......................... 171
Petrol/diesel........................... 100
Other child related expenses.........25
Medical (prescriptions, dentist etc).... 8
Mine and OHs pocket money.................... 41.60
other.................................17
Total monthly expenses...491.50

Unsecured Debts
Description....................Debt......Monthly...APR
mbna...........................835.......25........4.9
citi...........................1600......36........6.9
Total unsecured debts..........61

Income and cash in hand = 544
Budgetted outgoings = 552.5
Shortfall = 8.50

Not looking too bad at the mo. Thinking of cancelling one of the charity donations at £6 but we will see if it gets any tighter. Have 10 to be taken out of love bingo when I get the pigsback points.

beanielou

Even if you could reduce the charity thingy?If you half it thats £3 saved.