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Making every penny count

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Comments

  • Hi Jasper,

    Thanks for popping in. Its amazing how many of us are in the "same boat".... it really helps to know that you are not alone.

    Do you have a diary ?

    40Smx
  • Hiya,

    It does feel good to know that you are not alone. I havent actually done a diary yet, I keep thinking maybe I should!! I need all the help I can get!!

    speak soon x
    LBM: April 2009 - honest debt figure: Secured: £0.00!! (paid back april 2017) unsecured: £53117.48 (roughly):eek: back with CCCS starting again:(
  • Hiya,

    It does feel good to know that you are not alone. I havent actually done a diary yet, I keep thinking maybe I should!! I need all the help I can get!!

    speak soon x

    Catch you later jasper;)

    40SMx
  • I can't get myself out of this " woe is me " mood. :( I hate feeling like this. Will be at work later and I have a really busy week ahead workwise so I am sure it will pass .;)

    40SMx
  • At least we're all in it together! It's a lot easier knowing we're not alone and can make little challenges to each other.

    You can doit, Hypno did so we all can :D
    1st debt - Next [STRIKE]£583.32[/STRIKE] [STRIKE]£408.71 [/STRIKE] £0 :j
    2nd debt - MBNA - £6,618.52
    First in many many to go - baby steps and all that!
    First lump sum to go - fingers crossed!
    08/06/09 - [STRIKE]£11,497.68[/STRIKE] NOW - £9,757.75
  • tiff
    tiff Posts: 6,608 Forumite
    Part of the Furniture Combo Breaker Savvy Shopper!
    Well it Friday :j. DH payday:j:j . Excitement short lived though as I have just done budget for next week :


    Funds Now £ 740 ish
    Child Benefit 185 ( due Monday)

    Total available funds = £925.00


    Outgoings:mad:
    Car tax £68.50
    School Dinners £24.00
    Credit cards £628.00
    Insurance £125.00
    Loan £100.73
    Petrol £35.00
    Food £100.00
    Total = £1081.23

    Shortfall =156.23:(

    MMM :think: not good.!

    I normally renew car tax on-line but IF I find my paperwork I could go to the post office next Friday ( I get paid ) and reduce the shortfall to £87.73. I may have to pay for groceries on cc and pay back On Friday. Not a good start to me NOT using the credit card.:o

    40SMxx

    Just wondering if you can do packed lunches instead of paying for school dinners and save spending that £24?
    “A budget is telling your money where to go instead of wondering where it went.” - Dave Ramsey
  • At least we're all in it together! It's a lot easier knowing we're not alone and can make little challenges to each other.

    You can doit, Hypno did so we all can :D


    Thanks IMD.:A I know I can do it just need to remind myself from time to time. Hypno is awesome though aint she ? .

    40SMX
  • tiff wrote: »
    Just wondering if you can do packed lunches instead of paying for school dinners and save spending that £24?

    I could but I am happy knowing that they have had a hot meal inside them each day. The dinners are really good at the school so I think it is money well spent.

    Thanks

    40SMx
  • Hi 40somethingmum.....I've just come across your diary, and thought I'd say hello too.

    I've been 40 since October and also mum to three (not so little) boys......mine are aged 14, 17 and 20. I don't want to be the bringer of bad news, but as they get older............they eat even more! :rotfl:

    My DS1 is away at Uni, and when he comes home, you wouldn't believe the difference it makes to the cost of my food shop.......(but its so nice to see him.....and to know that he's eating "proper" food...at least while he's home)..lol.

    Good luck with your diary, I find mine a big help :)
    Total debt at LBM £26k+
    Total debt now £16,494.40
    Tesco CC 11/2/11 Total - £1,387.20 - Now £0
  • Hi Snowdonlily:wave:

    Yes, my food bills are just going to get bigger and bigger. 3 growing boys and a growing pup.... I'll just have to stop eating:)
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