TizerCats Fiscal Adventures

TizerCat

Thank you FMF, have you any equine colleges or riding schools near you? sometimes they take pones on loan if they are suitable, rather than buying them in. Generally people are afraid to take on any new financial committments at the moment. I was very lucky to find a loaner for my pony, hopefully it will last.

Have taken afternoon off work to do budget for next month and work out how well I've done this month

TizerCat

It's 9.30 already :eek: !

Have done weeks shopping when I dropped DS off at work and put half my months petrol budget in the car. and have caught up with my MSN reading and updating.

Making extra effort this month with money saving. and starting diet! Forgot to weigh at work yesterday so will have to get my own rather unreliable scales out.......OUCH am 12.2 stone!about 2 stone over weight

Have done budget for the month which I will post later and menu, also later.

jobs...

Defrost feezer done - cheated did it last night
Clean out 1 kitchen cupboard done
Shopping done
Washing done
plant broad beans and peas done
Harvest veggies for the week.:) Done
Feed GG's, poo pick & yet more ragworting done
Clean own room
Transport some manure from yard to lottie done
dig at least 2 more beds at new lottie done
pay as many bills online and GG's livery to help with NSD's done

Also 2 more trips to the tip with more sacks of couch grass roots done
and batch made 4 shepherds pies and veggie soup for lunch this week.

That will do for now....must get going..although I fancy another cup of tea.....

TizerCat

...second cup of tea too much to resist....have nearly used up all my milk allowance for the day..will have to sin it :cool:....

Will post the monthly budget.

Monthly Income Details
Monthly income after tax................ 1413.99
DS RENT.................................. 250
DD RENT.................................. 250
Total monthly income.................... 1913.99

Monthly Expense Details Household bills
Mortgage................................ 313.53 Rent.................................... 295.33
Council tax............................. 128.00
Electricity...............................30.00 £10.42 left from last month
Gas.......................................20.00 £10.09 left from last month
Water rates............................. 54.10
Telephone/broadband (land line)......... 25.00
Mobile phone............................ 10
TV Licence.............................. 16.50 3 x payments this month
Car Insurance........................... 16.79
Gas boiler cover........................ 27.06
TOTAL...................................926.31

Debts
Lloyds overdraft..........................1.00
lloyds credit card........................1.00
Barclaycard...............................1.00
Housing Benefit overpay...................5.00
TOTAL.....................................8.00

Horsies

Farrier.................................. 25.00 £25 saved from last month
Horse feed ...............................24.00 need 1x chaff 2x nuts
Horse Livery.............................106.00 overpaid £24 with GG3 going on loan last month

TOTAL.........................................................155.00

OTHER

Groceries etc. ......................... 100.00
Petrol/diesel............................ 60.00 managed last month

TOTAL....................................160.00

Total monthly expenses.................. 1249.31


BALANCE £664.68 divided into-


Dec/Presents(christma.....120.00 saved
Mortgage arrears..........156.77
Rent arrars................87.67
Balance Housing Benifit...123.70
Dec/GG1 Vacinations........45.00
Dec/xmas food..............50.00



TOTAL.................................£583.14

Balance £81.54 to go into HSBC debt savings account towards Lloyds overdraft

TizerCat

Now my menu for the week....

Breakfasts - Weatabix, ready brek or porridge (healthy extra b) with skimmed milk (from healthy extra a) scrambled eggs and grilled tomatoes.

Lunches- w/e beans on 2 slices toast (3 points for toast) grilled sardines

weekday - super free soup (will make batch and freeze add beans and pasta to make filling.

Snacks- L/F fruit yohurt (1.5 points each) banana, apple, noodles, mugshots ....yup I graze all day...

Dinners-
turkey mince shepherds pie broad beans and carrots (make 4 and freeze 3)
2 Qourn sausages, celeriac mash, b.beans
4 fishfingers (6 points), SW chips, b.beans
Chicken breast, Roast root veggies
Chilli beans and rice
White fish and roast veggies
Spehgetti bolognese (make 4 and freeze)

off for bean on toast ....

lucielle

You've been a busy bunny. Hope the loaned pony is behaving.
L

findingmyfeet

hi there, had a busy few days .......................hooray you have done your first month of your diary.!!!

only one riding place about 45 minutes from me and they dont seem to be doing too well at the moment either, think the recession is biting everyone. going to do some leaflets and put them in the saddlerys etc.

you have been busy in the last few days, today i have :
done the washing
done the ironing (no mean feat 3 weeks worth to catch up on!!!)
cleaned our bedroom
hoovered everywhere
taken DD to and from work
checked bank accs and paid some bills
made soup and pie
off to eat be back later to finish catching up

findingmyfeet

back already........food not quite warmed through yet...tonight leek and potatoe soup with french bread (garlic/cheese tear n share for dh and dd), apple pie for them fruit for me.

lost 1 1/2 lbs when i weighed in at class.....but dd brought me some chocs friday for taking her to work, would have been ok unopened but dh couldnt resist ............once opened neither could i !!

tomorrow- quorn mince shepherds pie
monday- pork casserole

my brekkies are usually weetabix/oats/fruit n fibre, sundays poached egg on toast.

lunches whatever in the fridge/ needs finishing or using up. thats as far as i have got to at the moment.

your budget is looking good...........everything seems to be going ok .....as i already said sticking to the budget is my problem!!!
Did manage to get horse a second hand hardly used turnout rug for £20 so thrilled to bits. another lady at the yard told me she had one from her previous horse that had been barely used and too small for the horse she has at the moment. would i be interested in having a look????? i nearly snapped her hand off the deal was done so quick......fits perfectly and i swear the pony was parading up and down the field s!!!!!!! around showing off her new wardrobe.
second attempt at food coming up...........

TizerCat

:TWell done on the weight loss and the bargain rug FMF.

dinner sounds lovely....funny now I'm on a diet I can't stop thinking about food!

Loan pony has been lunged with tack on and is behaving for the mum but dislikes the child....he's been ok with young children before so don't know why he doesn't like this one...although she is a bit hyper....so it's probably for the best they are closely supervised! I visit him most mornings when I walk the dog, just to check on him...

Am snuggled up in bed trying not to eat.........DS has just told me he has eaten delicious chocolate ice cream :mad:

findingmyfeet

good morning,
well had to get DD to work by 7am this morning so although im up and about i feel like someone has got me up in the middle of the night!! thought about going back to bed for a hour or two but decided to get on , get my jobs done for the day and hopefully lovely early bath , pjs and chill all evening doing nothing. (thats the theory anyway).

Started work on the downstairs loo last night so hoping to get more done in there today . last night was the prep work so later i will start painting.

you and i are very similar my first weigh in i was 11 stone 9 1/2. now 11-8. i never loose very quickly but slowly and steadily. would like to get to 10-10 eventually, but would like half a stone off for christmas then i might have a chance of getting in the nice christmas dress i have. dont have the money spare in the budget for a new one............having said that no idea if i can afford to go out either...........!!
off to make a start see you later

TizerCat

Didn't get on the puter much yesterday.....spent most of the day at the allotment..:jhave got Broad beans in and peas. Have been told that the mice get the peas when they are shoots...but will keep fingers crossed.

Hopfully the exercise will help kick start the weight loss

Got most of my jobs done at the weekend :A

Trying not to step on the scales after only 2 days ......lads had a box of Roses chocolates at work today and I resisted....i am going to be skinny again i am ....:D