ho hum!

shinytoaster

Shoe_Gal wrote: »

Fingers crossed for the car - they can produce some scary costs :eek:

Thanks - they do indeedy

Corrr I nearly fell for an internet scam before and I am normally really careful about such things. I'm due a tax refund - how much or little remains to be seen. I will be happy with a penny tbh. Anyhoo, I got an email from the tax office informing me what my refund will be and telling my to click on a link as I had to fill in a form. When I did that I had to click on my bank. I thought - hang on??! The tax man knows my bank details. And then I thought, would they really send me an email? I rang them up but was on hold for yonks so I had a sly look on the phishing part on their webby and sure enough! There is was - an pdf of a scarily similar looking email to the one I receive. oo er! I have forwarded it on to them anyhoo. Jaysus I am normally quite savvy about things like this.

I made my packed lunch yesterday but left it at home so I nipped out to the pie shop at work. Blooming heck it was good!

Shoe_Gal

Well done for spotting it :eek:

shinytoaster

thanks. Phisers are sneaky s0ds. The email was really convincing - eek!

I have lots to be positive about:
1. The dreaded service and MOT is over and done with for another year. Man alive, it was a dear do but it is done! Phew! Was just under £300 -eek! BUT! I can forget about it for another year
2. The dreaded gas and electricity bill is paid and I can forget about it until mid April.

That's it - not much but it is better than a poke in the eye with a sharp stick.

I only have £118 in my savings account and £100 left of my authorised overdraft. Oh and, £12.41 in my bills account. I tell ya, I can't wait for April payday and then the days of living in my overdraft will be over for evarrrrrr!!!!!!!!!!!!! Then it **will** be time to par-tay!

I can't see me having much freelance work over the next few months as budgets have been slashed and slashed again. On the plus side, I will be tutoring soon and that is a couple hundred extra.

My focus for my next payday month is food shopping. Quite simply, I spend too much at the shops and I have no idea how. I have a notebook for jotting purchases in so we will see how it goes.

Right-e-o, time to tidy and meal plan.

Enjoy the rest of the weekend

shinytoaster

I get paid tomorrow - time to par-tay!

I have the following expenses this week:
£20 on food
£15 when I go out on Wednesday
£35 at the hairdressers
This is £70 and the remaining tenner of my weekly spends will go towards the unexpected that might crop up in the month.

I have meal planned for the week and, yes, I will stick to it! I have also realised that I don't have to pay council tax for the next two payday months so my bills account will have an additional £146 in it

Shoe_Gal

I love no CT months! :j

shinytoaster

same here! Just wish that there were more of them! haha

I over spent this week - no surprise there!
+ Spent about 50 quid in the supermarket - not sure exactly because the costs are spread over several pages in my notebook (split it into headings like food, cats, junk, petrol)
+ ran out of petrol so I put £15 quids worth in
+ went out with £15 and came home with £15 as my friend won at the bingo and we split the winnings :j
+ my hair cut was a few quid cheaper though.

My mission for the week is to not set foot in the supermarket. I can nip to the corner shop though.

Was a council tax free month which meant an added £73 but my fella has a works function at the weekend and I needed a cocktail type dress. I don't have any. I did buy one on ebay using my surveys pennies but I spied a gorgeous number in Coast that is fabbo and makes me look slim and clings in all the right places. There was only one left in my size so I bought it. It was half price in the sale - phew! £65 as opposed to £135 - more than half price. He treated me to a pair of designer heels. My first ever pair of designer heels - my ex's haven't really liked me dressing up but this one does He is a star!

Anyway - goals for the week:
+ No sly trips to the supermarket but I can nip to the corner shop is I run out of milk. I don't spend a fortune in the corner shop you see.
+ I have just over £23 in my purse so that is three pound odd spends for the week.

I am in my overdraft already but it was reduced to £700 this month and I want, by the end of the month, to have paid an additional £250. This means, that I will owe £450 by the day before February pay day. When I get paid in February - my overdraft will be reduced to £650 (not including the extra pennies paid off) Fingers crossed! I hope so. I earn peanuts and I am fed up with earning peanuts. April payday and it will be gone! And time to tackle the credit card :S

shinytoaster

I updated my signature today and I had 13 NSD's in January. I have to beat this in February. If I aim for 14 (half of the month) then anything extra is an added bonus.

I have also been thinking about the dreaded credit card bill. It is about £750 - the bill is in the other room. I know that I said that I want it gone by July payday - and I will - but I feel that I should be doing something extra know instead of tackling one debt at a time.

Anyway, I have decided to do my own version of PAD. Mine is caled PAW - payment a week. I do the dreaded internet banking at the weekend and the pounds and pence left over will be transferred to it. Yesterday I paid an extra £5.62 (I think). All the more for the cause!

shinytoaster

Just done the dreaded internet banking and paid an additional £2.odd off my credit card bill.

My goal for the week was not to go supermarket shopping. I have kinda stuck to it as I did not set foot inside a supermarket until last night as my chappie needed some stuff. I had tea planned but as I had a rotten day he bought stuff for tea and I put some things in the basket. He is really going through a pain in the @rse phase of paying for everything. I know I shouldn't grumble too much but it is annoying and I have told him as much.

My goal for next week is to have a zero sugar day. This will be achieved by having no junk and taking a salad or leftovers to work to have for lunch. I don't know which day to have this. Maybe Tuesday ...

Tutoring starts this week and I did a days freelance last week - double yayyyy!!!!

shinytoaster

Corr I haven't updated for a while. Tbh, I have no idea what happened to last week and it whizzed on by in a blur.

I paid a few quid of my credit card today and, last week, I did another day of freelance work - kerching! Tutoring is ok as well. Just a pain getting up even earlier.

Goals for the week:
+ebay. I must start this one!
+no sly trips to the sarnie shop
+no sneaky takeaways

It is valentines day tomoz. I will collapse in shock should he get me a card!

shinytoaster

Just who on earth keeps giving the godawful Peaches Geldolf tv gigs??! Oh my days!


I am slipping off the MSE wagon. I have over spent by £150 this month, have not kept track of my spending habits or recorded my NSD's. My freelance gig - as fabulous as it is - has meant that my petrol consumption has gone up, up up! I know that prices are ridiculously high but I have spent about £60 this month. Not good!!! (esp as I usually spend £40)


Well, I have guaranteed work for the next seven weeks (one day a week) so I will just have to suck it up. It is, at the end of the day, much needed money. It's not forever! I just have to keep reminding myself that when I have to get up at silly o clock and am sat in 'orrible jams on the way home.


I am quite cross at the min. I am having my tax looked at and the company doing it, who are supported and recommended by my union, have made a huge mistake. The managed to acquire a tax code for my second job but it cannot be right because I was given a huge rebate and have gone from paying loads of tax to paying nothing. Not a penny! I have put the rebate money into my savings account because I have to pay that back. Anyway, writing yet another letter is the top of my goals for the week ahead.

Ooooh! one good thing is that I have kept to making extra credit card payments every weekend. I can't wait until I am rid off that bill.


Anyway, I have £20 in my purse to last until Friday (payday - kerching!)

OD - I owe £700
CC - I owe £770

£1470 to be gone by July payday. Fifty quid more than my monthly take home pay from my first job - arghh!

(and then there is the bank loan to be dealt with)