Onwards & Upwards - Part 2

Jo_R_2

Managed to get online to catch up with people at last!

Glad you had a nice time away and with your mum coming over bless her:A My mum is v. similar to yours by the sounds of it - I must admit that her refusing any offers of money and insisting she pays if I need to pop to the shop does remind me of being many years younger but it's her way and she actually gets quite upset if we refuse... There's no arguing with her!

So what's going on with the credit card, how do you work that - you both pay off some each month but is it you sorting out the expenses?

[Deleted User]

Hi Jo, with the credit card it is DH's wage that pays it. DH sorts his expenses out each month and they usually arrive in the bank two days after payday (if DH has got them in on time). During the month any travel expenses/hotel bill tends to go on the credit card as we do not have the funds to cover this out of the current account.

[Deleted User]

Morning and Happy November to everyone lurking and not lurking.

Well after seriously managing to cripple the laptop…I downloaded a free Anti-virus that came complete with a free virus :doh: the laptop has had to have all of it’s data removed and reinstalled by hubby; he wasn’t amused at first and has banned me from downloading anything technical like that unless I’ve run it by him first.

Having looked at the financial side of things this morning, we have £1505.42 left of which we have the following left to come out:

Insurance: £220.70
Avon: £42.00
Kids’ school lunches to Christmas: not sure of exact amount but roughly £140.00
Kids climbing clubs: £37.80
Petrol: £300 approx

Total: £740.50
Which leaves: £764.92 remaining, I’m sure that I have missed something off that list and will no doubt have to adjust it as by my previous calculations we were over the overdraft limit; I’m going to aim for that remaining figure to be about £600 and see where that goes.

I have just under half a tank of petrol of which a lot will get used today; tomorrow won’t be as bad as I don’t go back to work until Wednesday and I don’t plan on using the car at all tomorrow.

I have £25 in my purse, I’m meeting my friend for lunch today and I need to get some Nytol and Nurofen Plus for DH.

DH is in good old Norwich today and won’t be home until Friday this week or at least that’s the consensus of opinion is on site today, they have a lot of handovers going on this week so poor DH is going to be in it up to his eyes.



So here’s what I need to get done this week (I love my lists, can you tell??):

• [STRIKE] Change all beds including ours[/STRIKE]
• [STRIKE]Clean bathroom[/STRIKE]
• [STRIKE]Do washing[/STRIKE]
• Do Ironing and put away – I hate this job with a vengeance
• [STRIKE] Hoover through[/STRIKE]
• Clean glass
• Polish everywhere
• [STRIKE] Move suite, remove hidden toys that have found their way under the furniture and hoover[/STRIKE]
• Clean fridge – I hate this job too
• Clean microwave – I don’t mind this one
• Bin liner in hand a clear clutter from our bedroom
• Try and get stuff in attic
• Complete character witness form for my friend so she can start work
• NSD’s – this is a must and I need a good slap for not doing as many as I should!
• Walking to school and back – Ditto above ^

Washing is in washer and happily spinning around, I’m going to get the bathroom clean and get some other bits done whilst I am at it up there and then I’ll make my way over to see my friend and get back in time to collect DD from school.

My aim this week is to clear my list and more besides, my challenge this week is have a tidy lounge/dining room free of clutter and toys.

Have a good day everyone.

Jo_R_2

That's an epic update and a cracking list, love it!

The expenses thing, that sounds awkward having to put it on the credit card? I can see totally how it makes sense though. In my last job I had to claim expenses for petrol, food and whatnot but that was before I was 100% 'au fait' with my money so I just paid for everything out of my current account and got reimbursed into my current account - expenses day always felt like a treat (no wonder it got messy at times!)

So DH wants you to pay a grand a month as well off, what, the expenses or just general costs that go on the credit card? Is that do-able?

taxi73

that's alist and a half...
that's amazing that you can download an anti virus thing and it puts a virus on ...

[Deleted User]

Taxi - I was shocked that something like that could happen too. Definately stear clear of downloading anything in future. lol

Jo - Basically what he's after is what ever the expenses are that he's put on the crdit card in that particular month he wants paying off the credit card when the expenses come in...we can't do it as we need the money...I would love to do that as it would work brilliantly but he can't get his head round that.

---

On a good note, DH won't be in Norwich anymore as from next week as he's being moved to another site in Knightsbridge which I'm a bit sad about as I've enjoyed the time we've had to go up there but at the same time I'm elated as it means we will save money as DH will be parking at the train station everyday so will save us on petrol.

[Deleted User]

Received a message from DH, this months’ expenses are £985.14 so we should get them not long after DH’s payday. This helps enormously and finishes off the Norwich trips well. At least this gives me something to work on with regard to the finances; I hoped that I could retrieve them from the desktop computer however it isn’t linked with the laptop yet, so it may have to wait until the weekend before I get to grips with them.

Got quite a few hours to myself tomorrow, am walking both of the kids to school tomorrow and then I am setting the music going and I am attacking the house. I have approximately 4 hours in which I can get on top of the housework; I have done bits today so doubt that it will take me that long to clear.

I ended up drawing another £10 out of the account this morning, total spent today £35.00, I got some bits and pieces and treated my friend to lunch; he is retiring at the end of the month and it is rare that we get chance to meet for lunch now.

NSD for me tomorrow so the first of many this week with some luck.

Off to have a soak in the bath and put my brain in gear on the finances side of things.

[Deleted User]

House is tidier now then before, so very pleased about that. The clean washing is piling up nicely in the conservatory so I need to get that lot sorted in to relevant piles so that I can iron the rest tomorrow night.

I have managed to get the finances off the desktop and back on to the laptop again using DH's portable harddrive (SHH! it's his work one) and I am gradually getting them back up to date again.

Kids have been bathed and all sorted for bed.

I go back to work tomorrow really looking forward to it.

[Deleted User]

Half way through the week and back to work for me today, I have enjoyed half term with the kids and have loved picking DD up from school this past two days; however all good things must come to an end at some point.

So I have two hours this morning in which to get some more housework done, I need to sort the washing out and get it put away. The last lot is in the drier and on the radiators and my conservatory looks like the proverbial Chinese Laundromat; I will be a happy bunny if I can get it done before work.

I confess I have been feeling out of sorts this past two days, I think it’s just a culmination of missing hubby and trying to get the house up to date. I think the finances are a big part of everything too and I know I need to get them back up to speed.

Just looking through the bank statement for this time last year, we were in a lot worse position than we are now so something is going right somewhere. Once DH starts on the new London site I will be able to get a proper feel of the money situation but can make an estimation on next months finances based on the cost of different things that he’ll be paying out for.

New diary before the end of this year I think; don’t get me wrong there’s nothing wrong with this one but it hasn’t quite gone in the direction I’d hoped with everything that has happened this year.

ETA: Washing now sorted and put away, can start the ironing tonight with a vengence!

Lula-Hula

Dear Tea

I think you often underestimate just how much you do achieve; looking after a home, DH & 2 small people as well as dealing with the finances & now working as well. You are doing good hun :A be proud of yourself.

I totally understand just how frustrating it is when you want to get started on a new budget but have to wait for the final figures to be in.

Hope it all happens soon for you ...

Lula
xx