Floozie does Frugal 2010

Intergalactic_Floozie

Days to payday: 20
Money in bank : 153.03
Money in purse: £25.71
Grand Total: £178.74

Money spent since last update: £7.00
£2.00 on 2 x Trevor Sorbie colour red shampoo - I couldn't believe it when I saw these in pound shop for a quid each! They're £4.79 each in Boots!
£2.00 on 4 x bottles of Pepsi Max (500ml)
£1.00 on 3 x Kit Kat Chunky
£1.00 on mis shaped chocolates
£1.00 on a roll on deodorant

Grocery budget: £220.00 / £77.97 remaining
Petrol Budget: £110.00 / £54.50 remaining
Everything else budget: £152.23 / £46.27 remaining

OnePoll: Balance £12.95
Mystery shopping: Nowt new.
Lightspeed: 45 points
Toluna: 33250 (didn't have time to visit yesterday again).
Advantage Card Points: 846.

Nothing on the debtbusting front. Loan paperwork came today so I will get that signed and posted off. I think I will pay this month's loan payments as usual, and then I should have a small bit to pay towards the CC

chops22

Hi IF love your diary!!

I think the real problem with consolidation loans are when you get one, pay off all your cards, and loans etc......then start spending on the cards again. (I have done this before LBM ...what a plonker ehh:eek:)

So as you now budget to within an inch of your life and you seam to really know where each penny goes I think you are probably doing the right thing for you.

You are extending the debt free date, but you will be able to do more family things etc and as long as you stick to your budget, I think this could work out ok.


Also, I have seen some very trendy shopping trollys in Asda..very swish!!

BEAT_THE_DEBT

HI i am loing your diary i love the way its laid out also! Granny trolleys are fashionable now!!!xx

chops22

Hmm now I am an avid MSE lady...I think I need to invest in such a trolly just to keep my money off vouchers in......they may be the future.

I can't believe I used to be to embarassed to use them!!

Intergalactic_Floozie

Thank you visitors.

I really do need a kick up the backside sometimes though. I'm gonna do my best to stick to budgeting because I feel an emormous sense of relief that if DH is to lose his job, then with the new outgoings I will be able to cope on my wage / CB / Tax credits & jobseekers. I keep adding up to make sure that my figures are correct!

(Think my first splurge will have to be on the zebra print trolley though!)

Intergalactic_Floozie

Days to payday: 19
Money in bank : 153.03
Money in purse: £18.41
Grand Total: £171.44

Money spent since last update: £7.25
Spent on a lunch out with my work colleagues to a Chinese Buffet

Grocery budget: £220.00 / £77.97 remaining
Petrol Budget: £110.00 / £54.50 remaining
Everything else budget: £152.23 / £39.02 remaining

OnePoll: Balance £12.95 (but there's a potential 45p if I can be fagged to do them later / dont get screened out first)
Mystery shopping: Nowt new - !!!!!!!!!!!.
Lightspeed: 45 points
Toluna: 33750 (got 500 added for recommending a friend!!).
Advantage Card Points: 846.

My betting money arrived back in my bank account from the bookies (£8.20) so I have popped that back into my Gifts account (got over £100 in there now) Also had notification that Lightspeed have paid me out in paypal and best of all, there's no fees taken so I get the whole £9!

Intergalactic_Floozie

Days to payday: 17
Money in bank : 87.41
Money in purse: £36.25
Grand Total: £123.66

Money spent since last update: £47.78
£10.78 @ freezer discount shop
£16.34 @ Morrisons on Tuesday
£3.55 @ Morrisons on Wednesday
£8.50 @ Claire's accessories for last minute fancy dress things.
£1.00 - DS2 for buns at school x 2
£2.00 - paid for DS2 cubs with this, so I owe myself £2
£1.70 - breakfast butty
£3.15 - lunch today
£0.60 - can't account for this.
£0.16 - change to coin jar

Grocery budget: £220.00 / £47.30 remaining
Petrol Budget: £110.00 / £54.50 remaining
Everything else budget: £152.23 / £21.86 remaining

Oh dear, things aren't looking good with only 17 days left to payday. I've got my night out to go on tomorrow too, which I'm budgeting £30 for (whoops). However I admit to feeling that I have a "woohoo, I'm free, I'm cured, I'm rich" attitude because of the money that the loan will free up, so I need to be careful that I don't fall back into old spending ways. I did think about not having the need to do this diary anymore, but I do, because otherwise if i have no one to be accountable to, then I'll just start spending like Beckham. I'm already mentally buying myself some (genuine!) Ugg Cardi boots and new jeans "as a treat" - *laughs hysterically**

Found out from the bank yesterday that although the balance on one of the loans is £6386.14 - they want that amount PLUS outstanding interest of £59.66 PLUS two month's interest of £127.33 to pay it off too - GRRRR.

The other loan is £3447.50 but I'll get a refund of interest so they only need £3171.06 to pay it off, so it does even itself out. I just hadn't realised so much interested would be added to the above loan to pay it off early.

I'll get the papers sent off this weekend and hopefully will have the money next week, then I can set about paying the three loans off.

Oh, paypal money and mystery shopping wages went into account today so I've shifted that to my gifts fund, which now has £137.24 in there, so I'm just over 33% of the way there now

Olliegami

Argh, noooo - don't fall back into those patterns! Even if you're living comfortably, you should try and remember how much fun it is to budget and save money. Perhaps you can continue in the same thread, but then any extra money you have left over can go toward extra payments on your new loan?

I don't suppose you've tried using https://www.whatsthecost.com/ it can be really encouraging to save when you see how much difference the extra payments can make.

I hope you manage to keep it up!

Intergalactic_Floozie

Days to payday: 15
Money in bank : 3.41
Money in purse: £49.00
Grand Total: £52.41

Money spent since last update:
£14.00 - Sainsbury (Friday) it was slightly less but I can't find receipt.
£1.60 - newspapers (Sat) x 2. Had to take DS2 to his footy practice however parents have to stay so I bought a couple of papers to pass the time.
£1.20 - didn't have any small plastic bottles in the house to take juice in, so had to buy a bottle from vending machine.
£10.00 - babysitting money for my brother.
£16.00 - taxis.
£25.46 - drinks at party
£2.99 - face paint (went to a fancy dress party)

Grocery budget: £220.00 / TOTALLY BLOWN!
Petrol Budget: £110.00 / TOTALLY BLOWN!
Everything else budget: TOTALLY BLOWN!

GAWD, budget has been blown big style. I decided yesterday that I wanted DH to come to my friend's birthday party with me so I had to pay my brother for babysitting and it obviously upped the drink's budget. I was also planning on driving but then changed my mind so that added taxi fares too. Anyway I had a good time but find myself left with no money so I will definitely be going into the red again.

I can see how easily it is to fall into that trap so I promise faithfully that I will track my spending every day and update my diary to keep myself on the straight and narrow. I don't want to have to be feeling sick because my overdraft is running away with itself, or not being able to sleep at night because of debts etc etc..

Damn car insurance place isn't open today and insurance is due tomorrow, however thankfully it is insured until midday so I will have to ring them first thing tomorrow morning and pay it. I haven't been able to find anything even a penny cheaper for the same cover so I'm staying with E-Sure. Car Fund account is down to the £400's now ARRRGGGHHHHHHHH so I need to build that back up again.

moo2moo

So you've had a blip or two. It happens. At least you can acknowledge that it has happened, give yourself a kick up the bum and get on with life until the next time something carp happens which blows your plans to smithereens. No matter how many times I rehash the budget I can't seem to get it quite right or allow for the number of possible eventualities that seem to occur when you least expect them.