Lightbulb Moment

coxj2901

My loan payment came out early (£337) So I had to transfer £400 from my savings account back to my current account to cover the shortfall. Apparently it takes a month to change the payment date of my loan but at least this will give me some extra funds in Feb.

Here is my spending diary for last week. It was going ok until I had an unexpected night out on friday and spent far too much money.

W/E 14th Jan-07

Details Amt
Asda Weekly Shop £33.30
Selfridges Vouchers £25.00 (Wedding Present)
90 Cigarettes £24.15
Ebay Postage £10.26 (From Ebay Sales)
Indoor Football £3.00 (Weekly Footy has started up again)
Evening Out £80.00 (Oh Dear.............)
Takeaway Pizza £16.50 (Normal Sat Night Takeaway)
Groceries £22.15
Petrol £20.00
Gate - Mothercare £29.99
Ball Park & Drink £6.10
Chipshop £5.50


Total £275.95

Rgds, John

jackieb

Just to let you know there are people out here who are enjoying your posts, even though we don't reply to every one. I've also started a spending diary at the beginning of the year (it's an eye-opener!) and it's good to see how other folk manage their money.

coxj2901

I have transferred another £24.65 from paypal last night from the sale of my wifes coat that she no longer wore.

I've got another 10 or so items that spring to mind that I can list so will hopefully get them listed on the weekend.

7 days until payday and then I hope to pay a lump sum off my credit card.

Rgds, John

chevalier

Hi well done on your progress so far. You have done really well. I think a debt diary is a great way of staying focussed
chev

studentphil

coxj2901 wrote:

My loan payment came out early (£337) So I had to transfer £400 from my savings account back to my current account to cover the shortfall. Apparently it takes a month to change the payment date of my loan but at least this will give me some extra funds in Feb.

Here is my spending diary for last week. It was going ok until I had an unexpected night out on friday and spent far too much money.

W/E 14th Jan-07

Details Amt
Asda Weekly Shop £33.30
Selfridges Vouchers £25.00 (Wedding Present)
90 Cigarettes £24.15
Ebay Postage £10.26 (From Ebay Sales)
Indoor Football £3.00 (Weekly Footy has started up again)
Evening Out £80.00 (Oh Dear.............)
Takeaway Pizza £16.50 (Normal Sat Night Takeaway)
Groceries £22.15
Petrol £20.00
Gate - Mothercare £29.99
Ball Park & Drink £6.10
Chipshop £5.50


Total £275.95

Rgds, John

Takeaways and fish shop could be cut out painlessly.

Ciggs--STOP Smoking

Where do you live now you have no house?

coxj2901

studentphil wrote:

Takeaways and fish shop could be cut out painlessly.

Ciggs--STOP Smoking

Where do you live now you have no house?

We rented a house in a neighbouring village.

Rgds, John

coxj2901

Here is my weekly spending diary and it's getting worse I've got to go back to the dentist on Wednesday and have some work done which is going to cost me a further £200. Plus I have the MOT due on my car this month.

Details Amt
Dentist £31.00
100 Cigarettes £26.75
Petrol (Fiesta) £15.00
Indoor Football £3.00
Chipshop £5.50
Chinese Takeway £17.30
Unit from IKEA £100.00
Groceries & Papers £9.34
Wedding Recption & Meal £90.00

Total £297.89

coxj2901

I've just received my payslip so here are the plans for this month:

Salary £2,553
Tax Credits £34.9

Total Income £2587.9

Rent £625
Car Rental £245.6
MBNA Loan £0 (Should be £337 but moved payment date)
Bank Int & Fees £30
Telephone & Internet £50
Severn Trent Water £35
Gas & Electric £100
TV Licence £11.4
Shopping £240
Sky Digital £15
Council Tax £0
Family Equity Plan £20
Gym £23.5
Child Care £100
Petrol £100
Spending Money £150 (For 2 Adults + 2 Kids)
Tfr to Savings £250 *

Total Outgoings £1,995.5

Remaining £592.4
Plus Savings Account Funds £656

Total To Pay Off Credit Card £1,248 :j

* This covers Birthdays, Car Insurance, Xmas, Car Tax, Dentist, MOT, Haircuts etc...

Rgds, John

coxj2901

Just paid £500 off my credit card. It's below £2,000 now which seems like a psychological boost!

Time to update my signature, my favourite bit!

slowlyfading

100 cigarettes a week? You could cut that down a lot, still smoke every day AND save money You're doing really well, apart from the takeaways. Dont get these every week, then you'll appreciate them more often.
nicola x