Go For It - My 2010 Diary of Need!

ceebeeby

July close down message - a day early but that's cos I'm off on hols!!!

July 2010 (24th June - 28th July inc.)

My Debts (or the ones I'll currently admit too!)

CC1 - £6,235.29 JULY PAID Limit £6,700. (interest 1.52% monthly) = Next interest estimate £102.81.
CC2 - £1,600.00 JULY PAID Limit £2,400. (interest 1.77% 2.17% monthly next estmate = £38.88)
Catalogue Account - £690.19 JULY PAID (0% interest)
Overdraft 1 - £1,450
Overdraft 2 - £2,800
Mum - £2,155
Gran - £910

START OF JULY TOTAL = £16,019.81

July 2010 Reviews

What's left in the pot after the bills have been paid:

First Review (25/6): +320.73 (tentative calculation based on all incomes / outgoing estimates)
Second Review (27/6) +316.09 (£10 cashback used on buses and ice-creams)
Third Review (28/6) +357.09 (DH paid towards DD's school trips etc.)
Fourth Review (30/06) +344.59 (cashback for zumba etc.)
Fifth Revew (02/07) +345.76 (refund from ASDA)
Sixth Review (04/07) +335.76 (£10 from cash machine)
Seventh Review (05/07) +293.94 (overpaid CC massively)
Eighth Review (07/07) +223.32 (cashback, no quidco into main account (holding in 2nd a/c), 2 x mini shops for sweets etc.)
Ninth Review (08/07) +183.93 (gift for DD; clothes for DD's; train fares; dinner out
Tenth Review (12/07) +169.82 (birthday lunch for BF)
Eleventh Review (13/07) +126.26 (I bought clothes from an MSE promotion)
Twelfth Review (15/07) +142.15 (unbudgeted birthday and flowers for Gran; tx £30 from Bank 1)
Thirteenth Review (18/07) +121.76 (£20 lottery for Gran and £1.39 overspend on petrol)
Fourteenth Review (20/07) + 111.77 (DVD gift for Mum)
Fifteenth Review (21/07) + 451.20 (bought laptop on catalogue, however, will need more petrol, more for kids hols etc. laptop accessories etc.)
Sixteenth Review (23/07) +266.76 (absolutely mental spending spree!!!)
Seventeenth Review (24/07) +95.11 (£280-260 = 20+22.24+44.77+9.99+68.59+6.06 - Extra Euro's, Cat Food etc.)
Current Review (27/07) +101.13 (fish stuff and ASDA but no car-parking fees)

July's Paying Out List

Income: 467.08 + 134.80 + 2717.23 + 170.95 + 41.50 + 33 + 100 = 3664.56
Estimated Bank 1 Outgoings: 5.00
Estimated Bank 2 Outgoings: 0.00
Estimated Additional Expenses: 40.00
Bank 1 balance = 19.67
Bank 2 balance = 101.13

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July 2010

Estimated Additional Expenses Break Down:
Petrol (£44.00 per week @ 4 weeks) = £NIL remaining
Grocery Shopping (£40 per week @ 5 weeks) = £NIL remaining
School Bus x 0 days = £not applicable!
Holiday Savings (Single) = £50
Spending Money for Summer Holiday = £260
Car Park for Summer Holiday = £40
DD School Trip - £100
BF Birthday - £14.50 remaining
DS Birthday - £50
DD Birthday - £350 (laptop):eek:
Children's Pocket / Trip Money for Summer Hols - £NIL remaining
Additional Extras Total: £1376.00
Total remaining to pay out: £NIL

Estimated Bank 1 Outgoings:
Electric (7) 3.5
C Tax (223.00) 111.50
Mortgage (748.70) 374.35
Contents (36.76) 18.38
Gas (26) 13.00
Head in the Sands 2 (740.00) 370.00
Sky (88.50) 44.25
Pet Ins (14.74) 7.37
Landline/BB (24.39) 12.60
Int & Charges (9.37) 4.69
Head in the Sands 3 (105.90) 52.95
Sky Protect (8.08) - 4.04
Build Ins (15.73) - 7.87
Home Care (28.92) - 14.46
Nat Trust (5.00) - 2.50
Total: £ (2074.57) / 1037.29
Remaining: £5.00

Estimated Bank 2 Outgoings:
Phone £37.82 (confirmed)
Catalogue £150 (was £144.64)
Car Ins £22.72
CC1 £160.00 (confirmed)
CC2 £150.00 paid 191.82
Head in the Sands 1 £312.30
TVL £12.12
Phone Ins £7.99
Life Ins 1 £27.43
Life Ins 2 - 9.35
Int / Charge - 17.76
Total: £908.73
Remaining: £0

SmlSave

Have a good holiday!

ceebeeby

Day 208 Wednesday 28th July

Money Spent - £NIL Sterling; E89 shopping; E50 fuel; E10 drinks
Days since last cigarette - 6 M, 3W, 6D
Number of sweets / cakes etc. - Everything
Week weigh in on a Thursday: DIDN'T CHECK
HL Score: 8/10
Flying Stars: Year total: 100/175 - Holiday House Tidy!

Probably won't be online very often, but this is first full day of hols - so far been to aqua aerobics / brilliant! Also, went out for drinks and dance last night / good fun!

Thanks for best wishes SML x

ceebeeby

Day 209 Thursday 29th July

Money Spent - E16.50 shopping for BBQ with friends and alcohol!
Days since last cigarette - 6 M, 4W, 0D
Number of sweets / cakes etc. - Lots of icecream!
Week weigh in on a Thursday: Who care's - the bikini fits!
HL Score: 8/10
Flying Stars: Year total: 100/175 - Holiday House Tidy!

Day 210 Friday 29th July

Money Spent - E40 car insurance; E2.20 water
Days since last cigarette - 6 M, 4W, 1D
Number of sweets / cakes etc. - More icecream!
Week weigh in on a Thursday: DID!!!!!!
HL Score: 8/10
Flying Stars: Year total: 100/175 - Holiday House Tidy!
Euros remaining: E460 - but have bought all the shopping etc. for a couple of weeks!

Lovely couple of days - yesterday went to family in the morning, and then spent the afternoon by the pool. In the evening had a bbq for family at ours, went on to midnight and imbibed more that a glassful of Sangria!

Today went out on the boat - Cat - bit of trouble with the main sail, but got there eventually. Came back to yummy ice-cream and more pool time! Now looking forwards to a pasta night with the family!

ceebeeby

Day 211 Saturday 31st July
Day 212 Sunday 1st August
Day 213 Monday 2nd August

Money Spent - E70 - McDonalds, boat, coffee's, food, yum yum, haircut!
Days since last cigarette - 6 M, 4W, 2-4D
Number of sweets / cakes etc. - Lots of ice-cream
Week weigh in on a Thursday: ! NO!
HL Score: 8/10
Flying Stars: Year total: 100/175 - Holiday House Tidy!
Euros remaining: E390

ceebeeby

Day 214 Tuesday 3rd August - Day 226 Saturday 14th August

Money Spent - All the Euro's except 20!!!
Days since last cigarette - 7 M, 1W, 2D
Number of sweets / cakes etc. - Oh my goodness, so many!!!
Week weigh in on a Thursday: ! NO!
HL Score: 7/10
Flying Stars: Year total: 105/175 - Holiday House and Here House Tidy!

Absolutely amazing - beaches, bbq parties, sailing, spa, eating out, walks .... sunshine .... bliss!!!

PLUS - ABSOLUTELY NOT ONE SINGLE CENT / PENNY ON THE CREDIT CARD!!!!! GOAL FOR ONE OF MY START OF YEAR AIMS:T:T

ceebeeby

Day 227 Sunday 15th August

Home

Money Spent - School Clothes: £78.98; ASDA: £45.85; Petrol: £40; Pet-Sitter: £10; McDonalds (well, I was up at 3 a.m. this morning!!) £12.50!
Days since last cigarette - 7 M, 1W, 3D
Number of sweets / cakes etc. - McDonalds - Weightwatchers starts tomorrow!!
Week weigh in on a Thursday: ! NO!
HL Score: 7/10
Flying Stars: Year total: 105/175 - Here tidy and getting slowly up to date with washing.

Okay, so arrived home in the early hours of this morning, knowing there was lots to do to get kids ready for starting back at school this week. Wow - managed it, and fed them bad girl McDonalds without getting grief (utter exhaustion probably as we left home in Spain at 3 a.m. this morning!!!)

House gleaming!

Met b and sil for lunch and catch-up whilst doing the shopping (hence why the McD's).

Going to totally chill for the rest of the day and ease back into work tomorrow

ceebeeby

Day 228 Monday 16th August

Money Spent - £20 cash - joined weight watchers; bus fares
Days since last cigarette - 7 M, 2W, 1D
Number of sweets / cakes etc. - Loads pre-ww
Week weigh in on a MONDAY: 13st 4lb (+4 on my previous weigh in!)
HL Score: 7/10
Flying Stars: Year total: 105/175 - Here tidy and getting slowly up to date with washing

So, the big news today is the joining of Weight Watchers! Okay, it's going to cost some big money, but I am chuffed that I'm going to start. In future, I'll give myself some weight loss funds (I'd like to start aqua aerobics, continue zumba etc.) so I don't need to go over budget.

I think I'll leave it a couple of weeks to give myself some time to build in some reasonable timescale targets. My initial 10% target is to get to 11st 13lb, which seems quite achievable right now! I am so looking forward to being a size 14 again as I'm massively squeezing a 16 at the moment.

I love that I've started!

Oh - went back to work today too! And kids all ready for starting school tomorrow.

PS - adjusted dates for number of year days and smoking as can't have calculated holiday dates right

SmlSave

Ohhh, did you remeber to go through Quidco when joining Weight Watchers to get some cashback?

Good luck with your 10% goal

ceebeeby

Day 229 Tuesday 17th August

Money Spent - £17.87 ASDA
Days since last cigarette - 7 M, 2W, 2D
Number of sweets / cakes etc. - NIL
*NEW WW Points Used: 16
*NEW Exercise: 39 mins Wii Fit aerobics
Week weigh in on a MONDAY: 13st 4lb (+4 on my previous weigh in!)
HL Score: 7/10
Flying Stars: Year total: 105/175 - Here tidy and getting slowly up to date with washing

Grumpy day - upset with DD who refused to have her picture taken before school - made me very sad. Got shouted at in the street for parking my car in front of a block of flats (legally!) but said I didn't live there so couldn't park there - ignored person anyway as was properly parked! DH refused to go for a bike ride!

Oh, and worked a gazillion hours too!

I needed chocolate - but couldn't have any!!!