Go For It - My 2010 Diary of Need!

ceebeeby

NOVEMBER 2010 Archive

The disastrous credit month!!!!

November 2010 (29th October - 24th November inc.)

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

CC1 - £6,194.48 Limit £6,700. (interest 1.52% monthly)
CC2 - £950.00 Limit £2,400. (interest 1.77% 2.17% monthly next estmate = £26.81)
Catalogue Account - £970.83 - big increase!! (0% interest) (+645.42 for new bed and headboard)
Overdraft 1 - £1,450
Overdraft 2 - £3,100 increase of £300!!!
Mum - £2,155
Gran - £890

START OF NOVEMBER TOTAL = £14,854.29
END OF NOVEMBER TOTAL = £15,658.62 :mad: - WELL, THAT'S A NEW ONE ISN'T IT, A MASSIVE INCREASE!

November 2010 Reviews

1st Review (+10.15 - eek, this is going to be megga tight!!)
2nd Review 28/10) (+41.46 - moved some money around and reviewed other bits!!)
3rd Review 29/10 (+23.46) EVANS glitch - Xmas prezzies
4th Review 01/11 (-12.44) but then there is the EVANS glitch refunds to be processed.
5th Review 07/11 (-£7.15) Back from mini-break, and spent it all!!!
6th Review 13/11 (+9.34) Just by adjusting figures around, and looking to eat fresh air for the rest of the month!!!
7th Review 22/11 (+9.24) £85.70 Debenhams; £99.00 T-Mobile; £71.00 New Look; £1.99 Boots; £10.49 M&S; £100 cash withdrawal; £45 petrol; £11.00 B&Q
8th Review (+34.00) by the skin of my teeth I think i've finished off this month, but not without some catastrophe's in the credit world!

November's Paying Out List

Income: 112.54 + 134.80 + 2657.08 + 170.95 = £3075.37
Estimated Bank 1 Outgoings: 7.00
Estimated Bank 2 Outgoings: 20.07
Estimated Additional Expenses: 15.65
Bank 1 balance = 19.43
Bank 2 balance = 54.80

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November 2010

Estimated Additional Expenses Break Down:
Petrol (£44.00 per week @ 4 weeks) = £0 remaining
Grocery Shopping (£40 / 2 per week @ 4 weeks) = £0 remaining
School Bus x 16 days = £0
Mini Break £312.54
Birthday £0 remaining
Exercise Funds - £0 remaining
Xmas Savings - 0 remaining
Holiday 2011 Savings - £100 Paid £100.95 for another mini-break to London
Additional Extras Total: £1180.54
Total remaining to pay out: £0



Estimated Bank 1 Outgoings:
Electric (7)
C Tax (223.00)
Mortgage (748.70)
Contents (36.76)
Gas (26)
Head in the Sands 2 (740.00)
Sky (91.00)
Pet Ins (14.74)
Landline/BB (24.39)
Int & Charges (11.65)
Head in the Sands 3 (105.90)
Sky Protect (9.25)
Build Ins (23.09)
Home Care (28.92)
Nat Trust (7.00)
Total: £ 2097.40
Remaining: £7.00

Estimated Bank 2 Outgoings:
Phone £56.55
Catalogue £80.00 was £54.40
Car Ins £22.72
CC1 £157.00
CC2 £129.00
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 - 20.07
Total: £834.68
Remaining: £20.07

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ceebeeby

Day 328 Wednesday 24th November

Money Spent - £5.50 ish whoopsies
Days since last cigarette - 10M 3W 3D
Number of sweets / cakes etc. - 2 big cookies! Breaded quorn for dinner
WW Pro Points Used: who knows - zillions
Exercise: zumba
Week weigh in on a MONDAY: w/c 22/11 -0.5lb 11st 3lb (total -29.5lb)
HL Score: 8/10

Another poor eating day! Have subsequently arranged to use a treadmill in the mornings as need to keep the weight-loss on track!

Have booked the return train tickets for the Feb getaway - another £28 - amazing prices!!

I did November close down and it's been by far my 'worst' spend month of the year, between mini break, Xmas shopping, credit to buy a new bed (much needed, but still went on credit), I feel like it was a 3 month set-back! At least it was 0% credit,a nd not on a stupid card!

Only 5 days till I can start my 2011 diary ... need to think up a catchy name for it. Also, I so need to amend my weemee avatar as I'm slimming up a bit now!

Am going to tag the first six posts:

1) Goals for the Year - including progress!
2) Monthly budget tracker (bit like post 1 on this thread) - editable
3) Monthly menu tracker - I was doing so well at the beginning of this year - need to do again
4) My savings tracker (and holiday plans tracker)
5) Monthly debt tracker ... empty out the buckets of sand!!!
6) My life goals (my bucket list)
Am so excited to be doing this!

ceebeeby

Day 329 Thursday 25th November

Money Spent - 40p - 5 bags of whoopsies!!!
Days since last cigarette - 10M 3W 4D
Number of sweets / cakes etc. - 1 toffee whoopie pie!
WW Pro Points Used: who knows - zillions
Exercise: a little bit of walking about
Week weigh in on a MONDAY: w/c 22/11 -0.5lb 11st 2.5lb (total -29.5lb)
HL Score: 8/10

A frantic day with lots of walking around - ruined the diet again by eating a huge big cake .... why do I do it .... I don't even like cake! Seriously ... I'm a chocolate girl all the way!

Starting to think I might be ready for Xmas after all if I could get some home computer time to myself!!!

chevalier

Well i am a glutton for punishment, I have read through your thread from the beginning. And you have done so well on many fronts.

Can I just say that I thought you would find the giving up smoking far worse than the giving up cakes. Interesting that really your will power got your through that.

Maybe now you need to focus your willpower on your diet and money! I like the way you do your budgets and things it is a great way of laying it out.

Hope that the MIL has progressed well in her fight against the big C.

I also hope that the issues around the charity have been sorted and that you don't still face the horrible fine!

I know when you did your decluttering that you got loads of bags/boxes for carboot/ebay. Did you actually get them all shifted for money?

Good luck with your new diary
chev

ceebeeby

Hey Chev,

Lovely to see you and thanks for stopping by!

Diet wise I'm now down to a size 12 from a 16, but struggle like mad with it - you're right. I don't even particularly like cakes - but still eat them!

Money - how rubbish am I - my biggest fault (as you'll have gleaned) is the number of holidays and trips I go on - and I'm not ready to even cut down on them yet, never mind give them up. I also impulse buy and tell myself I'm desperate for it (and then try to justify it on here!)

MIL is doing fantastically. She finished radiotherapy treatment last week and has been given the all clear, with regular check-ups. She has been in brilliant spirits throughout, and despite the soreness, tiredness and discomfort, remained smiling throughout.

The charity bit got sorted for that year ... but I'll have it all over again this year - I hate doing accounts!

The carboots and ebays netted in about £500 ... all spent on holidays though! Managed to massively declutter which was good - but another go in the new year won't hurt!

Am so pleased you visited and thanks for the lovely comments.

ceebeeby

Day 330 Friday 26th November

Money Spent - £22.93 ASDA - party food
Days since last cigarette - 10M 3W 5D
Number of sweets / cakes etc. - 2 slices of pizza :-(
WW Pro Points Used: who knows - I hate pro-points, am gonna go back to the old way
Exercise: 4km / 30 min treadmill
Week weigh in on a MONDAY: w/c 22/11 -0.5lb 11st 2.5lb (total -29.5lb)
*HL Score: 8/10

Loads of kids at party, was good until the pizza came out and then turned bad for me as had 2 slices!

Ended up with them until 2am (arghhh) with much hilarity out in the garden in the snow at 1 in the morning (they are all teenagers!) - my catchphrase of the night was Shhhhhhhhhhhhushhhhhh (we do live in a detatched house - but still, didn't want to be inconsiderate to neighbours!).

ceebeeby

Day 331 Saturday 27th November

Money Spent - £10 Debenhams; £26 Boots; £13.99 KFC; £20.94 TISO; £44.80 BHS; £4.93 Mugs = £120.66 Xmas Shopping. Wahey, that was a big chunk off of my Xmas shopping list done - and out of that - I'm owed back £97.50 from other people (well, that and stuff I've already bought)
Days since last cigarette - 10M 3W 6D
Number of sweets / cakes etc. - Chinese noodles; chocolate birthday cake - large slice; pringles (lots); jelly beans; popcorn - errrr, why didn't I stop???
WW Pro Points Used: millions
Exercise: walking round millions of shops? Does that count
Week weigh in on a MONDAY: w/c 22/11 -0.5lb 11st 2.5lb (total -29.5lb)
HL Score: 8/10

Okay, so the Xmas shopping is going really really well, and feel as though I'm getting somewhere with it now!!! Have done quite a large chunk of it, and although no where near as much as previous years, am slowly ticking gifts off lists!

Have not had much success with glitches recently, however, have ordered the 2 personalised mugs, hope they're honoured. Also keep forgetting, surely IWOOT refunds should come through soon too!

ceebeeby

Day 332 Sunday 28th November

Money Spent - £75.90 ASDA - but got all the Xmas booze (not that we drink much, but this will cover guests)
Days since last cigarette - 10M 4W 0D
Number of sweets / cakes etc. - TERRIBLE!! 2 slices of birthday cake; pringles; curly wurly and crisps
WW Pro Points Used: sob sob
Exercise: None
Week weigh in on a MONDAY: w/c 22/11 -0.5lb 11st 2.5lb (total -29.5lb)
HL Score: 8/10

Off to church this morning in the snow ... everything looked lovely except for the elderly skating along the sea-front in the biting wind!

Spent a fortune in ASDA but all the big spend was for Xmas. Might have to do a menu planner to try to last out December, AND get in the treats. This month is going to be so tight!

Have totally ruined all the eating - arghhhhh!

ceebeeby

Day 333 Monday 29th November

Money Spent - £nil
Days since last cigarette - 10M 4W 1D
Number of sweets / cakes etc. - crisps etc.
WW Pro Points Used: rubbish!
Exercise: 4km run
Week weigh in on a MONDAY: w/c 22/11 -0lb 11st 2.5lb (total -29.5lb)
HL Score: 8/10

Okay, need to bin the new WW programme and start on something new as this new regime isn't working as I cannot track and therefore am going nuts with eating!!

ceebeeby

Day 334 Tuesday 30th November


Yay - I love snow! Decided to work at home!

Money Spent - £nil
Days since last cigarette - 10M 4W 2D
Number of sweets / cakes etc. - crisps and huge bowl of pasta
WW Pro Points Used: rubbish!
Exercise: zumba
Week weigh in on a MONDAY: w/c 22/11 -0lb 11st 2.5lb (total -29.5lb)
HL Score: 8/10

Forgot to point, new or old way - so will give it a go in a minute!

So much for the peace and quiet of working at home!
06:30 - DH, will you drive me to the station, too cold to work
08:30 - Kids, will you drive us to school
11:30 - Gran, can you pick me up some bread and milk
12:30 - DD3 picked up from school and taken to doctors for appt, and returned
15:00 - DH, picked up HIS car from the garage
15:30 - Library with DD3
16:00 - DD2, pick up from school
17:00 - DH, pick up from station, drop off at garage
17:30 - Zumba

I used more bloomin' petrol, and did more running around than I would have in a normal days work!!!!!

Which, of course meant, I didn't finish working till nearly midnight as had to make up all the time I'd been away from the computer - grrrrrr!