board of just surviving !! help !!

ellesbellesxxx

Babie gurl: sounds like you are doing a great job! Food is def my overspend area... I just love it too much!

babie_gurl

telboyo wrote: »

COL !!!!!! HTF Does OP earn £1550 PM When she can't spell for toffee. This must be a troll.

(COL =Cries out loud)

im not sure what op stands for
im dyslexic i could run a spell check but this is my diary so i am going to write it my way !
yes i know its amazing i get anywhere with my spelling but what you find with us dyslexic people is that we make up for it in personality and creativity belive me its got me quite far in life although i did invest in a laptop so when i meed to send things to my boss its perfect .
but youll find alot higher wage earners than me who have this problem ... tom cruise,cher, walt disney,thomas edison, hans christian anderson, john lennon ohh i could go on .....lol
a troll well im sure ive been called much worse

babie_gurl

ellesbellesxxx wrote: »

Spelling is NOT the sign of a troll... I know several people who are gifted writers but who can't spell... how mean!

thanks ellesbells not all of us can be perfect can we lol

babie_gurl

dramarama wrote: »

Hey Babie Gurl,
I have just found this forum and popped in to say hi. It sounds like you're making important and really good steps in the right direction for you.
For mothers day think about what your mum really likes, for my mum's 50th we made hera photobook with all her friends/family pics in it and she loved it...they're not too expensive and can mean a lot. Tokens for stuff like ironing, dog walking etc can be good...you give up your time and can create the vouchers yourself. There's also some great bits in the forums about hampers...you could make a pamper hamper...bubble bath, mini bottle of wine etc?!! ohh i did look at this last night its a fab idea i was thinking that maybe i should put a basket of food that makes up my mums favorite food and then cook it for her ?? i love cooking !!!

As for food...make sure you're getting all vits/ minerals you need and taking exercise...it can be free like walking a bit more...taking stairs and not lift etc (I don't work for NHS by the way!!) i know i think my body fat has gone up 100% i will defo start some excercise but its like money saving you have to be commited and i dont like exercising alone
I've been home cooking for me and OH for a while now and it saves us a fortune plus I like knowing what's going in my food!!- writing my meal planner for the week

Good luck, stay positive and don't deny yoursself of EVERYTHING because things get too boring then!!

this i like the best!!:T

dramarama

I tried not to comment on the Dyslexia comment Babie gurl, I've also got a disability that is not widely recognised as some people are harsh and don't like anyone who is 'different'.
The food thing sounds fab, I'm sure your mum will love it. As for exercise I used to powerwalk with a friend...we felt silly at first but it really helps clear your head and you can chat too!!

Good luck with the menu planning, I always get stuck on lunch ideas...sandwiches or pasta are my fall back options!

babie_gurl

dramarama wrote: »

I tried not to comment on the Dyslexia comment Babie gurl, I've also got a disability that is not widely recognised as some people are harsh and don't like anyone who is 'different'.
The food thing sounds fab, I'm sure your mum will love it. As for exercise I used to powerwalk with a friend...we felt silly at first but it really helps clear your head and you can chat too!!

Good luck with the menu planning, I always get stuck on lunch ideas...sandwiches or pasta are my fall back options!

well dramarama i would say sorry to hear that like everyone else ! but im not sorry i think its fab that were all diffrent who wants to be part of the norm ?? the greatist people are a bit diffrent probably what makes them so sucssesful !!
and i guess you and me will just have to be a bit more determind than most to get on in this world but you know what thats a good thing !! it makes things that bit sweeter when you get them !
and thanks for all the good advice !!apreciated !!

babie_gurl

babie_gurl wrote: »

Hi everyone
thanks for looking at my diary !!!
i am probably horrifieing you all i know !!
i love making money but i seam to love the spending too !!
I WOULD LOVE TO SORT MYSELF OUT SO I CAN ENJOY MY CASH !!!!
i seam to spend out of bordom !! yet i never realy get to do the things i would like to because of the silly spending i turned thirty this year and i think its about time to enjoy life but i also wanna be debt free !!!
my worst spend is food i get bord at work so i go out and eat!! im board at home so i go out and eat !! although i must say a waste alot due to i never know what you can freeze or keep so i chuck it !!
any how i know your all fab at this so give me anything you think might help !!
ohh just to let ya know im single and have no kids so all this is spent on just me !!
Income from Employment (after tax). . . . . . . . . . . . . . . . . . . . . . . 1,550.00 now 1650
Income from Self Employment (before tax). . . . . . . . . . . . . . . . . . . . 0.00
State Pension . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Private Pension / Annuity Payout. . . . . . . . . . . . . . . . . . . . . . . . 0.00
Benefits (Inc. Child Benefit/Tax Credits & Income Support). . . . . . . . . . . 0.00
Income From Savings & Investments . . . . . . . . . . . . . . . . . . . . . . . 0.00
Gifts From Family / Friends . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
ebay. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8.33 now £100
Monthly Expense Details
In Your Home
Mobile Phone(s) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25.00 ohh gon up since i had th home phone out £35
TV Licence. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12.12
Internet. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 44.78 now £15
Home Phone. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Cleaning Products/Cleaner . . . . . . . . . . . . . . . . . . . . . . . . . . . 5.00 probably about a pound now !
Garden Maintenance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Household Maintenance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Oil . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Electricity . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25.00
Gas . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Water . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25.00
Council Tax . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 61.00
Overdraft Cost. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7.00
Bank Account Fee. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Home Insurance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7.28
Mortgage/Rent . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 216.49
Plumbing/Boiler Cover . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Mortgage Life Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Mortgage Payment Protection . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Life Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Food and Household Shopping . . . . . . . . . . . . . . . . . . . . . . . . . . 200.00 around !150 now
Drinks for Home . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
heating . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14.00
heating token . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12.00
Motoring & Public Transport
Petrol/Diesel . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 60.00
Parking . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4.00
Car Tax . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16.04
Car Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 29.63
Car Maintenance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10.00
Rail/Bus/Taxi . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Breakdown Cover . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Debt Repayments
Credit Card Repayments. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 171.65 i aim for around £780 pr month
Hire Purchase Repayments. . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Personal Loan Repayments. . . . . . . . . . . . . . . . . . . . . . . . . . . . 132.00 all gone paid up !!
Car Loan Repayments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Savings & Investments
Pension Payments. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Buying Shares . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Investments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Mini Cash ISAs. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Lump Sum Saving . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Regular Saving. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Family
Pet Food. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
School Trips. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
School Meals. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Pocket Money. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Nappies/Baby Extras . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Laundry/Dry Cleaning. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Children's Travel . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Baby Sitting. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Childcare/Play Groups . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Pet Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Travel Insurance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Entertainment
Satellite/Digital TV. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Family Days Out . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Cinema/Theatre Trips. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2.50 no more trips well not unless i use me clubcard points!!
Books/Music/Films/Computers . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Big Days Out. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Shopping for Fun. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 90.00 unless its a need i have to work it out for free !! e.g i hav to ebay som clothes i have to buy new ones
Pet Costs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Hobbies . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
IT/Computing (eg Anti-virus etc). . . . . . . . . . . . . . . . . . . . . . . . 0.00
DVD Rental. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Drinking Out. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50.00 well only on birthdays spevial occasions
Eating Out. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30.00 gone wll just untill me cards are paid !
mobile insurence. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8.00
laptop in . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8.00
Clothes, Health & Beauty
Complimentary Therapies . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Optical Bills . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Haircuts. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18.33 gone growing my hair and dying it myself
Dentistry . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Beauty Treatments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50.00 gone no false nails just do my own at home
Healthcare Cashplans. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Dental Insurance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Private Medical Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Fitness/Sports/Gym. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Work Clothes. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13.33
New Children's Clothes. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
New Clothes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Education & Courses
University Tuition Fees . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
School Fees . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Your Courses. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Big One Offs
Funeral Expenses. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Wedding Expenses. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Sofa/Kitchen/TV . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Birthdays . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30.00
Winter Holiday. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Summer Holiday. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Christmas . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50.00
Odds & Sods
Newspapers & Magazines. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Tax & NI Provisions (self-employed only). . . . . . . . . . . . . . . . . . . . 0.00
Regular Charity Donations . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Meals at work . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 187.50 gone probsably spend around £20 as treats
Smokes. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Coffees/Sandwiches/Snacks . . . . . . . . . . . . . . . . . . . . . . . . . . . 8.67 gone no more snacks !

Total monthly income. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1,558.33

Total monthly expenses. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1,624

thought i would just update i am hopefully going to pay all my debit off this year i need to pay £780 per month and guess what im doing it!!! although i must admit i have never been so skint in my life ! although i suppose if you look at it i have always been this skint just didnt realise it !
everyone thought i was mad in january when i decided to b debt free this year lol but now everyone can see me paying huge amounts every month and now want know the secrets i tell them all how much this site and everyone on it has helped me! i am so greatfull !!! love you guys !:T:T:T

thinkpositive1

Hope you don't mind me chipping in here but I read the comments about living on £100 a month for food as being easily achievable?

I find that an incredible assertion. Can anyone seriously manage on a food bill like that?!! I am single and have changed my shopping habits all round due to debt difficulties and when food shopping I always look for "deals" and non branded and cheaper items wherever possible and my monthly food bill is in the region of £160 to £180 minimum.

£100 a month for food i would suggest is a worthy target (as is cutting any costs) but totally unrealistic for the average person.

kittypimms

Brill progress BG!! Well done- you must be made up!!

Edit: Thinkpositive- I'm single and manage to feed me and my dogs for £65 a month- it is doable!
Head over to Old Style for some great cost cutting advice!

babie_gurl

thinkpositive1 wrote: »

Hope you don't mind me chipping in here but I read the comments about living on £100 a month for food as being easily achievable?

I find that an incredible assertion. Can anyone seriously manage on a food bill like that?!! I am single and have changed my shopping habits all round due to debt difficulties and when food shopping I always look for "deals" and non branded and cheaper items wherever possible and my monthly food bill is in the region of £160 to £180 minimum.

£100 a month for food i would suggest is a worthy target (as is cutting any costs) but totally unrealistic for the average person.

i know what you mean but i am only now starting to understand how to lower this i would normaly spend what i liked ( i am a big fooody !) but i would also waste alot i find the old skool board best for this i didnt know you could frezeze half of what i do now ! and i used to buy alot of packet rubbish just because it was cheep or so i thought but if you cook your meals once a week and freeze them you get so much more for your money ! for example chilli used to pay £3.20 a meal but i can buy mince for £2.50 a can of tomatos £19p beans 19p some spices from th cuboard this makes three meals and tastes much better!
i have to say i now have a passion for cooking as much as i like eating!! i am sure i could still save more money but i am still learning i have just seen a recipie for making pitta bread never done bread before but at £1.20 a loaf im willing to give it a go ! lol