Pinky's Happy ever after diary! 2010

brummiebabe

You're doing great Pinky:T:T

Pinky15

Thanks Katie, Beanielou and Brummiebabe. It is just good to see after all the hard work the totals creeping down it spurs me on to pay off more. I am already working on next months budget lol. I have Car & House Insurance to pay in March but have been putting a bit by each month for these and hopefully the cashback I get from these will go back into the same account and can be put towards next year. In jan I opened an online ISA that I can see alongside my bank account. I added together all the big stuff we pay for eg car service & MOT insurances and divided the total by 12 and then transfer this amount every month so when the bill comes in the money is there. Any quidco money paid into the bank gets transferred into the ISA. So if we keep doing this one year all the Quidco money should save us a years bills. I have £90 pending and last year got about £150 for the insurances so am on the way. Need to check my ebay now as I have 8 items ending tonight and hopefull will make at least £20 then I can withdraw from my paypal and pay some off Next.
To do
Meal planner/packed lunch planner
Find a cheap covered cat litter tray
Have 2 hours of work which I will do sunday night
Hoover through
Pray my washing machine brushes come as I am struggling without them.
Total spending money left this month £250
I will update me total as I spend - feel free to tell me off lol:o

Pinky15

Total Spending money for month total £250
Still remaining £250
I am hoping for a NS day today.
Going to have a sort out in my room and tidy up. I am feeling rough today sore head and awful throat so update will be a quick one.
Have 8 items ending on ebay tonight but only 1 with bids boo hoo - will keep my fingers crossed anyway!

domesticgoddess789

Hey pinky!

Really enjoyed reading your diary, it sounds like you are really focussed and doing well.

I have some ebay items ending today too but not many are selling I'm obsessed with checking it all the time tho!

Welldone on how far you've come!

Hayley

Pinky15

Hi Pinkhayley and thanks for dropping by!:wave:
I haven't done too well on the ebay front so far but just wanted to clear some space really. The items that dont sell I think I will relist maybe in March but am hoping they do.
I feel a little better now the paracetamol have kicked in. When babes has a nap and the other 2 are playing may have a kip on the sofa - fingers crossed.

lauhen

A kip, with children around, chance would be fine thing.

Pinky15

LOL yep a nap with kids IDTS!! When DH came home managed an hour on the bed and felt better. Throat still sore today - but not as bad as yesterday. DH working next 3 weekends but it really will help with the debt! I am hoping if we really cut back we can pay our CCard sooner and use any extra money for our savings. Still waiting to hear about DH payrise too - fingers crossed!
Only sold 2 items on ebay for 99p and £1.10 which is rubbish really but will help pay the Next bills.
Didnt quite manage a NSD yesterday as we bought carrots and DH made homemade soup which was lovely.
DH has been sssoo fab and really helping with the debt eg chasing better deals, helping with spreadsheets. I can safely say he also had his LBM too.
We are doing some painting etc round the house too as it really needs doing up. So we are looking out for paint offers ect and DH got his friend to get us a really nice bathroom suite at cost think it is about £200 and a good make.
On the debt front not much to report in 3 weeks I have another £200 to come off credit card. But I also need to save £40 towards a bike for DS and £50 towards a bike for DD1. Wanted to get them early in the year so they can use them during the nice weather.
Total spending for the month £250.00
Total spent 60p
Remaning money for month £249.40p:)

Pinky15

Well todays spends are -
£4.10 chips for tea (naughty naughty lol!)
£4.90 posting ebay parcels (this money is in my paypal account tho)
Total spending today £10.00

I also checked the spare account fam allownace goes into and found we had £20 left in it - whoo hoo - so think i will take the money out and make an extra £20 payment to Next add this to the £50 potential ebay money I hope to get and I may be able to make an overpayment of £70 this month - great stuff!!!
I was going to put it towards xmas saving but thought it would be more sensible what with the Next interest!!
I have decided tho any loose change I have from our monthly spending I will drop in our sealed tin so I have a round number to work with.
Still havent quite sorted the meal plan but know for the next few days what I am doing
wed - chicken casserole
thur - spag bol
Fri - takeaway
sat - not sure yet
Sun - MIL for lunch , sandwiches for tea!
Forgot I also need to pay £15 for DD1 swimming tomorrow:mad: and Brownies admin charges are £15 for the year :mad: So that reduces my monthly spend by £30.
We are also having a few days at Whitby at half term so will try and eat in as much as poss - so will budget as usual for the food.
Have 6 items listed on ebay but no watchers or bidders boohoo methinks I will be going to the charity shop with a big bag:D

Pinky15

Total remaining for month after DD1 £30 out is = £219.00
(loose change in the tin:D)

lauhen

I have sorted out all the figures aswell today, taking out all outgoings etc, and this time I haven't missed anything. So I know what I have to spend on weekly shops etc. Isn't it nice being organised.