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Go For It - My 2010 Diary of Need!
Comments
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Fab list.
Nice mixture.
Particularily paying your respects at Auschwicz.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. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Day 173 Tuesday 22nd June
Money Spent - £45.98 flight ticket
Extra Money Earnt - nil
Hours / Days since last cigarette - 5M, 3 wk 1 day
Number of sweets / cakes etc. - donut and crisps
Week weigh in on a Thursday: +1lb (1/35lb)
HL Score: 7/10
Flying Stars: Year total: 80/175.
MMHB Jobs - 0 in June
Another work day ... not in that long, just time to hear the budget!
Booking flights to Belfast this evening for September wedding. Very excited.
DD's are in school play all this week - am going Thurs p.m. so lots of running backwards and forwards to make sure they're dropped off / picked up!0 -
Day 174 Wednesday 23rd June
Money Spent - £21.26 sweets / juices for school party (for x 4 children) plus £10 cash back - last £10 went on wine for BF to say thank you for loan of cottage etc. for weekend away
Hours / Days since last cigarette - 5M, 3 wk 2 day
Number of sweets / cakes etc. - crisps and a cake!!
Week weigh in on a Thursday: +1lb (1/35lb)
HL Score: 7/10
Flying Stars: Year total: 80/175.
MMHB Jobs - 0 in June
Fairly short, but busy day - but not too bad at work!
Successfully freebled for pair of walking boots for DD3, so we now all have them ... mountains here we come! I think we're going again this week-end! Can't wait! Am seriously looking at the white water rafting, but might have to save for that ... eeeeeek!!!!
Trainers arrived, but I love them all - can't decide which ones to keep (got 3 pairs to try on - 2 trainers, 1 walking shoes) all very reduced in sale! You know what's gonna happen don't you!!!
Had zumba on way home, so need to jump in the shower shortly, but wanted to catch up on here first!0 -
But you only really need one pair of trainers & at a push the walking shoes?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. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
... Eeek, the voice of reason!!!!
You're so right Beanilou - thanks for reminder and the wise words! I'm going to send back the expensive ones (£44!) and I credit you with keeping me on track this time!
Thank you!!!0 -
JUNE ARCHIVE POST
June 2010 (27th May - 23rd June inc.)
My Debts (or the ones I'll currently admit too!)
CC1 - £6,288.27 (June paid). Limit £6,700. (interest 1.52% monthly) = Next interest estimate £110.43.
CC2 - £1,750.00 (June paid). Limit £2,400. (interest [STRIKE]1.77%[/STRIKE] 2.17% monthly next estmate = £43.93)
Catalogue Account - £539.52 (0% interest) paid £143.40 in June added £72.70 in June (new trainers and walking shoes!!)
Overdraft 1 - £1,450
Overdraft 2 - £2,800
Mum - £2,155
Gran - £930 (£20 lotto in June)
START OF JUNE TOTAL = £16,271.08
END OF JUNE TOTAL = ££16,019.81
June 2010 Reviews
What's left in the pot after the bills have been paid:
First Review: + 445.73
Second Review: +415.69 (unbudgeted fathers day present)
Third Review (02/06): +385.87 (£27.46 Sports Shop and £20 cash machine and I think I went wrong somewhere with the petrol calculations!, higher then estimated bills)
Fourth review (06/06): +357.44 (major spending spree on bits and bobs for house, hair mouse, clothes etc.
Fifth review (12/06) + 341.02 (Grans Lotto)
Sixth review (14/06) +261.02 (unbudgeted fit flops!)
Seventh review (15/06) +227.13 (unbudgeted fathers day present - Blu Ray, overspend on gifts, change of seat reservation on flight)
Eighth review (16/06) +217.53 (cashback / savings from bus fares)
Ninth review (18/06) +294.95 (cashback / savings from day out / not doing insurance claim for now)
Tenth review (21/06) +276.79 (alcohol!!!)
Eleventh review (22/06) +288.34 (flights to Belfast)
Current review (23/06) + 467.08 (didn't buy the holiday spending money just yet!!!)
June's Paying Out List
Income: 426.86 + 134.80 + 2657.08 + 170.95 + 80.00 = 3469.69
Estimated Bank 1 Outgoings: 33.92
Estimated Bank 2 Outgoings: 19.00
Estimated Additional Expenses:200.00
Bank 1 balance = 45.57
Bank 2 balance = 486.08
June 2010
Estimated Additional Expenses Break Down:
[STRIKE]Petrol (£44.00 per week @ 4 weeks) = £45.81 (back in pot, won't be used!)[/STRIKE]
[STRIKE]Grocery Shopping (£40 per week @ 4 weeks) = £3.72 remaining[/STRIKE]
[STRIKE]School Bus x 4 days = £8 [/STRIKE]
[STRIKE]Holiday Savings (Single) = £50[/STRIKE]
Spending Money for Summer Holiday = £200
[STRIKE]Insurance Excess = £75[/STRIKE] Holdover for sometime in the future!!!
[STRIKE]Car Tax = £110[/STRIKE]
[STRIKE]DD School Trip = £100[/STRIKE]
[STRIKE]Day Out Hill Walking and Shoes = £6.80 for G&T (reduced from £50 as got free boots)[/STRIKE]
[STRIKE]DD Birthday = £50[/STRIKE]
[STRIKE]DD Clothes = £40[/STRIKE] spent £36.50
Additional Extras Total: £1068.00
Total remaining to pay out: £200.00
Estimated Bank 1 Outgoings:
[STRIKE]Electric (7) - 3.5 [/STRIKE]
[STRIKE]C Tax (223.00) - 111.50[/STRIKE]
[STRIKE]Mortgage (748.70)- 374.35[/STRIKE]
[STRIKE]Contents (36.44) - 18.22[/STRIKE]
STRIKE]Gas (26) - 13.00[/STRIKE]
[STRIKE]Head in the Sands 2 (740.00) - 370.00[/STRIKE]
[STRIKE]Sky (88.50) - 44.25[/STRIKE]
[STRIKE]Pet Ins (14.74) - 7.37[/STRIKE]
[STRIKE]Landline/BB (25.19) - 12.60[/STRIKE]
[STRIKE]Int & Charges - (10.38) - 5.19[/STRIKE]
[STRIKE]Head in the Sands 3 (105.90) - 52.95[/STRIKE]
[STRIKE]Sky Protect (8.08) - 4.04[/STRIKE]
[STRIKE]Build Ins (15.73) - 7.87[/STRIKE]
Home Care (28.92) - 14.46
Nat Trust (5.00) - 2.50
Total: £ (2104.26) / 1052.13
Remaining: £33.92
Estimated Bank 2 Outgoings:
[STRIKE]Phone - £36.19 [/STRIKE]
[STRIKE]Catalogue - 143.40[/STRIKE]
[STRIKE]Car Ins - 22.72[/STRIKE]
[STRIKE]CC1 - 162.00 [/STRIKE]
[STRIKE]Head in the sands 1 - 312.38[/STRIKE]
[STRIKE]TVL - 12.12[/STRIKE]
[STRIKE]Phone ins - 7.99[/STRIKE]
[STRIKE]Life Ins 1 - 27.43[/STRIKE]
[STRIKE]Life Ins 2 - 9.35[/STRIKE]
Int / Charge - 19.00
[STRIKE]CC2 - 150.00[/STRIKE]
Total: £903.83
Remaining: £19.00
2010 Savings Funds
Holiday Savings Fund (Singley's) 1: £700 (Amount added in June - £50)
Holiday Savings Fund (Family) 2: £520.56 + E305 (Target = £520.56 + E600) (Amount added in June - E0)
Christmas 2010 Savings Fund: £0 (Amount added in June - £0)
DD2 School Trip: £190 (Target = £715. Amount added in June - £100 - Me)0 -
Day 175 Thursday 24th June
Money Spent - £44.60 petrol; £20 unbudgeted school trip!!!
Hours / Days since last cigarette - 5M, 3 wk 3 day
Number of sweets / cakes etc. - chocolate
Week weigh in on a Thursday: (0/35lb)
*HL Score: 7/10
Flying Stars: Year total: 80/175.
MMHB Jobs - 0 in June
Very late day - too tired to post too much now, but overall score was about 9.9/10!!!!
Posted Friday Morning
Hello, good-morning I'm back! Well, yesterday was a long day, but today should be shorter (pleeeease) as I need to reserve energy for my 2nd mountain climb tomorrow with the kids (all those Freebled Walking Boots and Shoes (not to mention the bought ones too!!))
Kids school show was phenomenal! DD2 and 3 both in it, and they were both fabulous! Was so so proud of them. Lots of piccy's taken for their Xmas albums (I make them a memory photo album as part of their Xmas stocking each year!!).
I think they've worked out their life joint party piece with one of the songs as they can perform it perfectly together and the dance is fab too!
DD3's class are going on a school trip to a theme park on Monday, DD hadn't asked to go because of the cost as we went to the same place not that long ago (about 2 weeks ago); anyway, it turns out EVERYONE in the class is going, and she would be the only one left behind. So bit the bullet and told her to go - it's the penultimate day of school anyway and is a bit of a reward for doing so well this term. Other DD was given £100 towards her school trip next year (ski-ing abroad).
Going to shopping centre after work (kids going to Grans for their tea) to get BF's birthday prezzy and change DH's Fathers Day t-shirt (too small) and get the picnic stuff for the mountain climb! Might treat DH to a supermarket dinner if he's a good boy - ha-ha, whatever happened to romantic meals out! The last time we went out for a meal together was Valentines Day 2009!!!! Might have to be inventive somehow to rectify this!0 -
Day 176 Friday 25th June
Money Spent - £16.79 Shopping, £10 cashback.
Hours / Days since last cigarette - 5M, 3 wk 4 day
Number of sweets / cakes etc. - chocolate
Week weigh in on a Thursday: (0/35lb)
*HL Score: 7/10
Flying Stars: Year total: 80/175.
MMHB Jobs - 0 in June
Picked up fabby freebled brand new patio heater! Went shopping for picnic stuff for tomorrows outing, and got some essentials whilst there.
Day 177 Saturday 26th June
Money Spent - £24.50 ferry, £4.50 on cokes and ice-creams (not me though!)
Hours / Days since last cigarette - 5M, 3 wk 5 day
Number of sweets / cakes etc. - not too much
Week weigh in on a Thursday: (0/35lb)
*HL Score: 7/10
Flying Stars: Year total: 80/175.
MMHB Jobs - 0 in June
Climbed second mountain in two weeks. Up very early - gorgeous day - got to the top in no time!!! Fabulous x
Day 178 Sunday 27th June
Money Spent - £21.77 ASDA
Hours / Days since last cigarette - 5M, 3 wk 6 day
Number of sweets / cakes etc. - not too much
Week weigh in on a Thursday: (0/35lb)
*HL Score: 7/10
Flying Stars: Year total: 84/175.
MMHB Jobs - 0 in June
House, garden and cars gleaming! Way too nervous to watch the footie, so catching up on here instead!0 -
How are the fitflops now you must have worn them in a bit? I am dying for a pair of Skechers walking trainers after seeing my sister's but they cost about £90.0
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Fitflops are well worn in and very comfy! Haven't noticed any difference in my bottom squidgyness yet (but then there's a lot of erm, squidgy for the muscle to get through), although my legs feel a bit more toned!!
Very easy to walk in thoughx0
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