Immoral_angel's Debt Diary

Spendless

So that's where it's going wrong. You do your daily spends but then if something crops up, you have to adjust them and that is why the end of the month the daily rate is down from what it was at the beginning. Also at the end of each week if you have overspent on that week your daily amounts will go down.

So you can either do it the way you are doing, accepting that the daily spends may go down or you could make a set amount *things I've not thought of* money for the month, so only if you went over this amount would your daily spends that you've set at the beginning change, and if you haven't spend the x amount either it could be thrown at debt or you could roll it on to the next month.

cocalls

immoral_angeluk wrote: »

So.. looking forward to paying off dotty p's as soon as the ebay money has cleared which should be friday.

Oh thanks goodness this has been the longest one hasn't it? It feels like yonks!

barnaby-bear

Spendless wrote: »

So that's where it's going wrong. You do your daily spends but then if something crops up, you have to adjust them and that is why the end of the month the daily rate is down from what it was at the beginning. Also at the end of each week if you have overspent on that week your daily amounts will go down.

...and if the daily amount seems healthy you get tempted to buy more stuff (like the CD player) and it seems ok to spend a bit extra on petrol etc ... but then you feel guilty about buying the odd t-shirt and a broken fridge causes a lot of stress to the budget; it really isn't my business, just trying to offer an outside view from a stingy git, but have you thought of making the budgets a bit more ring-fenced - i.e. so much for petrol, so much for clothes, so much for emergencies.... so you won't feel guilty buying clothes and any underspend doesn't get sucked into some void?

immoral_angeluk

Spendless wrote: »

So that's where it's going wrong. You do your daily spends but then if something crops up, you have to adjust them and that is why the end of the month the daily rate is down from what it was at the beginning. Also at the end of each week if you have overspent on that week your daily amounts will go down.

So you can either do it the way you are doing, accepting that the daily spends may go down or you could make a set amount *things I've not thought of* money for the month, so only if you went over this amount would your daily spends that you've set at the beginning change, and if you haven't spend the x amount either it could be thrown at debt or you could roll it on to the next month.

Yea definately think I'm going to have to do this from now on... no wonder I was getting confused! lol!
Thanks..

immoral_angeluk

barnaby-bear wrote: »

...and if the daily amount seems healthy you get tempted to buy more stuff (like the CD player) and it seems ok to spend a bit extra on petrol etc ... but then you feel guilty about buying the odd t-shirt and a broken fridge causes a lot of stress to the budget; it really isn't my business, just trying to offer an outside view from a stingy git, but have you thought of making the budgets a bit more ring-fenced - i.e. so much for petrol, so much for clothes, so much for emergencies.... so you won't feel guilty buying clothes and any underspend doesn't get sucked into some void?

We already have a petrol budget but I can see what you're saying... going to have to talk to Ste when he gets home!
Thanks

bandraoi

It does mean you're going to get to budget even more though.
Happy Days!

immoral_angeluk

bandraoi wrote: »

It does mean you're going to get to budget even more though.
Happy Days!

My thoughts exactly! lol!!:beer:

Storm

IA - just going back to the new freezer thing - I read before that freezers are most efficient energy-wise when they're absolutely chocked full of stuff. What I do is freeze water in old ice-cream tubs to fill up any empty drawers, so that my freezer is always full, even when there's barely any food in there!

immoral_angeluk

Happy monday everyone! If there is such a thing.... :rolleyes:
Weather is miserable as hell here but on the bright side we haven't had the heating on for a good couple weeks now so we're bound to be saving some money on the gas.
We've arranged to pick up the new freezer tomorrow morning from a place in Cradley heath so will save us £38 on their postage costs! :eek:

Still waiting to hear from the tax credits. I let them know about my drop in income over a week ago but haven't heard anything. I suppose they must be really busy at the moment though with it being the new tax year and everything. Ah well. We'll see.

Update on MIL's partner... he's probably being transferred to Stoke today to have multiple stents fitted in 2 main arteries going into his heart. Apparently though he should be sent home fairly quickly after having them fitted but he really wasn't looking forward to it.

Oh yes! K's 12 weeks old today! How quick has that gone?? All she wants to do now is be sitting up and she's soooo nosey! She's having 6oz bottles every 3 hrs.. little piggy but still isn't sleeping through properly! argh!!!

immoral_angeluk

Storm wrote: »

IA - just going back to the new freezer thing - I read before that freezers are most efficient energy-wise when they're absolutely chocked full of stuff. What I do is freeze water in old ice-cream tubs to fill up any empty drawers, so that my freezer is always full, even when there's barely any food in there!

I heard that as well.. thanks for the tip! Have visions of it being full of ice cream tubs and no food! lol! Plus it'll give me the excuse to buy loads of ice cream...