Making every penny count

40somethingmum

ruby1968 wrote: »

good morning 40sm

just had quick read of your week, my haven't you been busy, hope all is well, have updated mine briefly. hope all is well

RubyXX

Hi Ruby,

Did you have a good break ??:)

40somethingmum

In_my_dreams wrote: »

Aaarrgghhh Xmas - I've started putting money away if that counts?

I must , must get round to doing that as I really don't want the panic I have had in the last couple of years.

Also DH is 50 In November so I would like to save up to get him something nice.:)

40somethingmum

40somethingmum wrote: »

At work now. Must stay here until 7.30 pm. Must stay here until 7.30 pm. See Paul Mckenna is working already.

I have done the first exercise and listened to the CD , just need to listen to the CD again later. Its relaxing if nothing else.

I didn't stay until 7.30 .... I left at 6.15 so only managed 5 hrs:(. I was having a day of doing "bitty " things , you know all those things you put off but eventually need to be done. Well they all now need to be done:( . I finished something at 6.15 and thought I could not face starting something else...so I didn't;)

I have listened to Paul Mckenna this morning but have not yet done the "exercise".. will do that in a bit. I don't feel any different but considering we don't have any money in the bank until tomorrow and I am feeling ok about it ... ??

Also just had the recorded message from BT telling me my bill is outstanding. I know that !!:rotfl: Will have to try and sort that out in the next couple of days;)

Have a good day everyone:)

40somethingmum

Just been looking at my spends for the last month as my new month starts tomorrow IYSWIM. Not good reading.:(

I budgeted £500 for food & groceries .. Spend was £785:eek::eek::o:o. I have got to get this sorted. I have also "borrowed " £136 fom my tax money so that needs to be paid back:(. I still have not paid my BT bill but will transfer that into next months budget. I am now off to fine-tune next months budget >>> I need to get it to balance:o

40somethingmum

:eek::eek::eek::eek::eek::eek::eek:

Its not balancing by about £1000:eek::eek::eek:.

taxi73

That sounds like a big challenge!!!...have you got any idea how to manage it?
I guess the food bill will be less this month with the kids back at school but £785..WOW thats loads.

40somethingmum

taxi73 wrote: »

That sounds like a big challenge!!!...have you got any idea how to manage it?
I guess the food bill will be less this month with the kids back at school but £785..WOW thats loads.

At the moment I have no idea how to manage it . I can't keep dipping in to the tax money otherwise I will have an even BIGGER problem in a few months. £785 on food & groceries IS MASSIVE. I really don't know what happened . DH does regularly withdraw £10 for things ( sweets for the boys etc). DH will have to see if he can get some O/T over the next few weeks . This really can't continue, can it ??

40SMx

40somethingmum

I have just remembered that one of DS3's parties is tomorrow which means I have to get present today... No money in bank:think:. There is ALWAYS something !!

In_my_dreams

In relation to the food bill prior to OH's glimmer light I shared your pain of a huge bill but we are now down to between £65 - £70 a week from about £800 a month. We simply take the money out and shop once a week, menu plan and we go to Aldi's. I haven't noticed anything different in our eating habits, it is now very rare that we have to go out for extra bits during the week and I am far far less likely to find something extra to spend money on in Aldi than Mr T's.

I am amazed our food bill has come down so much but it has worked. Might be worth a try?

jasperconran

40somethingmum wrote: »

At the moment I have no idea how to manage it . I can't keep dipping in to the tax money otherwise I will have an even BIGGER problem in a few months. £785 on food & groceries IS MASSIVE. I really don't know what happened . DH does regularly withdraw £10 for things ( sweets for the boys etc). DH will have to see if he can get some O/T over the next few weeks . This really can't continue, can it ??

40SMx

hi 40sm, wow, £785:eek: that is massive. however, I for one know how easily this can happen. When I first had my LBM, we were consistently getting thru over £600 a month, and I had no idea where it was going!! I think we were just wasteful, and I wasnt keeping a close enough eye on things. Do the 2 of you keep a spending diary? I have to say, I do now and wow, it has made a huge difference to me, OH not so much:mad: but he does have the odd moment!!

good luck and keep us posted.

JC x