josiebabie's change of life diary

josiebabie

I used Experian, I have the monthly membership thing and I do keep an eye on it. I know lots of people just use the free trial but I like keeping an eye on things.

I didn't do my summary last night so I suppose I'd better do it now, it's looking a bit bleak to be honest!!!

Money in purse: £1.61 & 20 euro cents
Money in bank: £9.33
Bills still to pay: £0
Petrol still needed: £20! :mad:
Days til payday: 11

Wow not long til payday now at all! I know my figures don't technically add up but don't forget I am waiting for £20 to clear from Paypal too. This can be used for my fuel. As I am saying every day (trying to convince myself I think!) I have everything I need for the month so technically don't need anything. I can see that I will probably fall back on my CC but will try desperately not to!!!!!

I just feel like going out and spending lots of money on rubbish just for the hell of it! But I will absorb myself in sorting my house out as I have been a bit lapse of late. I forgot to take my happy pills over the easter break (I have a routine that I take them with my first cup of tea at work in the morning) and I think it made me grumpy and miserable and lazy. Need to thank DM for sorting my hell hole of a house out yesterday for me, much appreciated :iloveyou:.

OrangeFairy

:T to your mum!!

I hope you are feeling a little better. I need to work out my finances today. 2 weeks until my payday!

I still have the 11p in my purse!! Though DD's haven't raided it for the change pot yet so i will be suprised if i hold on to that for longer than a couple of hours!!

josiebabie

Are you working Kel or at home?

OrangeFairy

At home...just had a few hours with OH - no children for a change!!! :j

I only work mon wed fri. So have every other day off...except go to college on tuesdays...but prefer it to work!!

josiebabie

Urgh that's so unfair, says the girl sat at her desk on MSE................Wish I wasn't working today. Have so much to do at home!

stitching_witch

Your house wasn't as bad as you thought really. Mostly just tidying and the washing up. It kept me amused while your DD was asleep! x

josiebabie

Money in purse: £1.61 & 20 euro cents
Money in bank: £9.33
Bills still to pay: £0
Petrol still needed: £0
Days til payday: 10

I know I know I didn't post last night again! It's getting easier to post in the morning now when I am at work and awaiting my morning rush of customers - business is quiet at the moment so it makes it easier.

I have sat down and worked out all my outgoings for this month's wage packet - £2378.81 :eek:. I get my wage slip today so will work out how much I have left for over payments. I have guestimated that OH will stick £1000 in my account (minumum) so if I work from that I can see where I am. Am hoping I can make a good overpayment to Egg card this month as I want to get it as low as poss!

I know they say about paying the bills with the highest APR's but I do it differently, I focus on one to pay off and then when that's done go onto another etc etc, I just find it more motivating!

I have already hung the washing out in my dressing gown this morning at 6.30am, my goodness it was cold.

Need to pop to Mr T's at lunch, my list is; Cooking salt (for dying clothes, forgot yesterday), caster sugar (to make some twinks for weekend), milk and bread. I might get some Glace cherries and make some Millies as well but I will see, Millies don't last as long as Twinks. LOL

OrangeFairy

OH is home today so i am hoping he has hung a wash out! He is pretty good at doing that!

I hope you enjoy your friday! Woohoo for the weekend! I want to make the most of tomorrow as next week DD1 is back to ballet/tap every saturday - bang slap in the middle of the day which is always a pain!

josiebabie

I have written my Mr T's list, not a lot but comes to £6.50!

josiebabie

Right, been to Mr T's, ended up spending £5.79 instead of £6.50. Happy bunny! These small things.... Have wage slip now, am looking at: £1873.37 wages, £80 child benefit, £1000 (minumum) from OH =
Income: £2953.37
Bills out: £2378.81
Total remaining: £574.56
Minus expenses: £210.00 (There are a few bits I need)
Left for overpayments: £364.56

This is the absolute minimums so I'm quite pleased about that, esp being that my OH figure will be more like £1500 I think. Don't really know what to do with it or where to allocate it. I will definately be starting to buy post office saving stamps for my car tax. Then I guess I will allocate most of it to the nursery arrears and then the rest to a CC. Won't know for certain until OH gets his wage slip which won't happen for ages! They pay him on the last day of the month :mad: