KP - Fantastically Fervent MoneySaving Super Fan? Must try harder :mad:

taxi73

I agree with the above two posters...it will all take time.Am loving the challenges..they are all achievable.

Keeping_Positive

Well 2 NSDs so a good start. Food wise Im not eating as much but still what I eat is high sugar/fat so doubt Ill see progress in weight but mantaining would be good for now.

About to be a grand auntie as neice in labour so will have her to help look after and a babe to cuddle!

Personnally I think I need to think about being sterilised as although babes are cute practically it would be all wrong. Apparently Microgynon (pill) can lead to depression so I have been worried that that has added to my blues over the years?

millionaire_in_training

Hi. I used to take MIcrogynon and then got the 6 monthly jab before deciding to get sterilised. Am glad I did do it eventually though as it was nice not to worry

taxi73

Good luck to your neice xxxx

I got sterilised years ago as well one of the best things I did

Keeping_Positive

Thanks good to hear as I was worried about potential side effects from sterilisation.

Poor niece still going so lent her OH tens for the back ache so hope that will help as she is exhausted.

Todays plan is to go to flat with kids and do some baking and meal prep. Want to do fairy cakes, bread pudding and prepare a potato bake for me (kids wont touch so not worth going there!). Hoping I can prep today then put in fridge for tomorrow. Will also do a feezer stock take as not sure what I have. Hoping only need to get potatos and a couple of other bits. Will grab CO-OP membership card as well as I saw them the other day.
.
DD2 seeing dentist at 3 so a fairly busy day. No plans for tonight so can rest then

Keeping_Positive

Monthly Income Details[/b]
Monthly income after tax................ 1650
Total monthly income.................... 1650
Monthly Expense Details
Rent.................................... 595
Council tax............................. 100 - 60 till march
Electricity............................. 50
Water rates............................. 0 - ? not sure
TV Licence.............................. 12
Satellite/Cable TV...................... 55 - inc tele & internet
Groceries etc. ......................... 100 - should be easy but hard to guess with kids
Clothing................................ 10
Petrol/diesel........................... 0 - low private milage usually covered by expenses
Road tax................................ 0 work
Car Insurance........................... 0 work
Car maintenance (including MOT)......... 0 work
Car parking............................. 0
Other child related expenses............ 50
Medical (prescriptions, dentist etc).... 5
Contents insurance...................... 8
Other insurance......................... 6
Presents (birthday, christmas etc)...... 25
Haircuts................................ 10
Entertainment........................... 50
Total monthly expenses.................. 1076

Unsecured Debts
Description....................Debt......Monthly...APR
nw loan........................7800......224.......6.9
t loan.........................6100......199.......11.9
citi opus......................1200......27........3.9
nw.............................1000......23........16.9
Total unsecured debts..........16100.....473.......-

Monthly Budget Summary
Total monthly income.................... 1,650
Expenses (including HP & secured debts). 1,076
Available for debt repayments........... 574
Monthly UNsecured debt repayments....... 473
Amount left after debt repayments....... 101
Personal Balance Sheet Summary
Total Unsecured debt.................... -16,100
Net Assets.............................. -16,100


Above is a rough guess at monthly expenses. Have not included catalogue at £700 because I will pay that with annual bonus due March. Will also get annual reward each dec which will cover xmas so hoping the £25 will more than cover birthdays.

If good I could be DF by mid 2013 and if really good in 2 years.

I havent included OH supposed £100 a month for car so that will help as well.

dizzy_lizzie

Keeping_Positive wrote: »

Thanks good to hear as I was worried about potential side effects from sterilisation.

Poor niece still going so lent her OH tens for the back ache so hope that will help as she is exhausted. Hope everything goes well. You must be really excited. I love babies.

Todays plan is to go to flat with kids and do some baking and meal prep. Want to do fairy cakes, bread pudding and prepare a potato bake for me (kids wont touch so not worth going there!). Hoping I can prep today then put in fridge for tomorrow. Will also do a feezer stock take as not sure what I have. Good idea
Hoping only need to get potatos and a couple of other bits.
Will grab CO-OP membership card as well as I saw them the other day. They are good to have and every now and then you get a money off voucher. Not a great amount but better than nothing. Get a nectar card too if you haven't got one. You can use these in a lot of places, the website has a lot of info and also in sainsburys.
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DD2 seeing dentist at 3 so a fairly busy day. No plans for tonight so can rest then

Sounds like you're going to have a lovely relaxing/day evening, aside from the dentist. Great plans for 2011. We'll get there KP :beer:
Luvz Dizzy x

Keeping_Positive

Well there is a reason I dont go to town unless I have to. Despite being very good the other day whilst waiting an age for the dentist and then for the perscription I was naughty

Good - bought YSL Touche le thingie earlier through MSE linkat 14.95 something I needed but had put off
Bad - £32 in bodyshop although all but much needed moisturiser (£10 :eek:) on sale
Ugly - £3 on millies cookies for DD2 and I

I did make an eye appointment which I am at least a year overdue and struggling but dreading the inevitable £150 ish cost even with some claim back through work :eek:. I have been unable to read past 3 on occasion and get headaches so I know my perscription needs updating.

Plan for tomorrow stick to staying indoors its cheaper!!!

Baking underway - ckaes being munched now. Next dinner followed by bread pudding making mmmm

taxi73

Sounds like you've had a nice day today.
Happy new year xxx

millionaire_in_training

Happy new year KP. Budget looks tight but do-able so good luck with that. THink I'll do an SOA tomorrow and see how it is. It'll be interesting to see anyway. Enjoy the first day of 2011 x