I think I'm slowly getting back on top of things (again)...

jet77

My bank charges are nearing the £300 mark and I rang the CCCS yesterday ... but the soonest they can get a counsellor to ring me back is 18th September!! No wonder people get down and depressed about these things when fabulous charities like the CCCS who help so many are so snowed under that you can't get a call back for 3 weeks!!

jet77

I re-started my debt diary last week and only spent £43.06 from 21st-27th Aug inc all petrol and shopping

This week - I've already spent more than that but that's because I have spent 2 x £30 in Lidl to make most of 2 x £5 vouchers and am just popping out to morrisons to stock up on their 50p deals as tomorrow is the last day.

I will then have enough food to feed an army and hopefully minimise spending over next few weeks - I will spend £10 in Morrisons so will have spent approx £70 in food this week whereas normally I budget for £40 p/w but I really think the ingredients that I've got will last well over 2 weeks .... more like 2 months with top ups on the fruit/veg

jet77

OD1: 2400.28
OD2: 748.64
OD3: 442.10
CC: 911.03
TOTAL DEBIT: -4502.01

BF - 15.99
Paypal - 183.48
Quidco - 36.50
TOTAL CREDIT: 235.97

TOTAL DEBT = £4266.03

I took a mortgage payment holiday as I haven't worked due to the summer holidays so that has really made a difference on my total debt.

jet77

Back from holiday - where I stuck to budget and had an amazing time

Really need to knuckle down and keep an eye on the finances now though. I'm going back to my faithful budget - but deducting the fruit and veg box from shopping budget as this gets taken out by DD:

£30 shopping
£20 petrol
£10 unnecessary

Will withdraw on a Fri and update on here on a fri - might also post spend diary on here to shame me in to behaving myself :money:

jet77

M - NSD
T - £1.70 drinks/crisps for kids
W - £3 shopping
W - £7 christmas stocking fillers (Poundland)
W - £2 earrings
W - £3 sweets
W - £4 parking
W - £20 petrol
W - £21.98 shopping
Th - £8.38 vets

Ok - I'm doing rubbish - only on thursday and over budget with unnecessary spends :-S

MUST TRY HARDER!!!

F - £9.50 shopping
S - NSD
S - NSD

Total Shopping - £36.18 (inc £1.70 crisps/drink for kids)
Total Petrol - £20
Total Unnecessary - £9
Vets & Christmas - not included

Total Overspent this week = £6.18

:j:j:T3 NSD :T:j:j

jet77

W/C Mon 28/09/09

This week is going to be tricky as my Mum wants to meet up and have lunch at a restaurant which will set me back at least £10 and I'm also going out for lunch for a friends birthday which will too be about £10.

But here goes ...

M - NSD :T:j:D
T - £8.73 Shopping
W - £4.20 Coffee
W - £12.50 New Look Sale
W - £5.90 Coffee & cake
W - £15.81 Pizza Hut
W - £6.77 Shopping
I know my spending has been silly today but the time I spent with my Mum whilst drinking the coffee and eating in Pizza Hut was invaluable ... and for the £12.50 in New Look I got a Christmas present for my children, a necklace, 2 x bracelet, 4 x earrings and a belt ....bargain ... and I won't be buying petrol cos have enough to last ... and I'm going to cancel the lunch out for my friends birthday tomorrow .... think I've just about justified it to myself now
Th - NSD
F - NSD
S - NSD
S - NSD

Total Shopping - £15.50
Total Petrol - £0
Total Unnecessary - £38.41
Total Spend - £53.91

Not quite how the budget should have gone - but still came in under the £60 a week total budget that I've given myself :T

:j:j:T5 NSD :T:j:j

jet77

OD1: 2,337.75
OD2: 843.72
OD3: 260.42
CC: 925.12
TOTAL DEBIT: -4367.02

BF - 15.99
Paypal - 0
Quidco - 36.50
TOTAL CREDIT: +51.49

TOTAL DEBT = £4315.53

jet77

W/C Mon 5th October 2009

I'm rolling over the £6.09 left from last week so total budget is £66.09.

This should be £20 petrol, £10 unnecesary and £30 shopping ... but things are not going to plan as am forking out for a KFC for £23 today for all those who are helping with the collection and moving about of freecycle for me ... therefore I'm lumping all budget together.

M - £20 petrol
M - £23 KFC
T - £7 Shopping
T - £15.50 Shopping
W- £5 Shopping
Th - NSD
F - £20.09 Petrol
F - £1.90 sweets & chocolate x 3
S - £25 very rare night out
S - £7 fry up at Morrisons and some shopping

Oh dear - not good this week!!

Total Spend = £124.49

1 NSD

jet77

W/C Mon 12th October

I am having some friends over and we are getting a takeaway and watching a film on Tues night but I'm going to deduct the takeaway from my food shopping as my store cupboard is quite full at the mo and should only need bread and milk.

I am determined to stick to budget this coming week .... £30 shopping, £20 petrol, £10 unnecessary ... here goes ..

M - £2.50 Unnecessary
T - £19.17 Shopping
W - £5.98 Light bulbs
Th - £2.19 Unnecessary
Th - £1.43 Unnecessary
F - £5 Unnecessary (fish n chips)
F - £5 Shopping
S - £3 Shopping
S - £20 petrol
S - £2.15 Shopping

Total Shopping - £29.32
Total Petrol - £20
Total Unnecessary - £11.12
Total Spend = £60.44
NSD = 0
Overspent by 44p

jet77

W/C Mon 19th October

I'm going out for a curry on Tues with the girls and we always split the bill - usually about £15 but have meal planned from storecupboard for coming week so this should be ok to come out of shopping budget.

Again budget this week will be .... £30 shopping, £20 petrol, £10 unnecessary ... here goes ..

M - NSD :T:j:D
T - £15 Curry
T - £10 Babysitter - seems wierd putting this as unnecessary when obviously it was necessary or my children would have been alone!! but I know what I mean
T - £4.48 wine
W - £5.89 shopping
W - £16.05 Unnecessary
Th - £7 Petrol
F - £20 Pizza Hut (took DD2 out cos DD1 off on pack holiday)
F - £5 spending money for DD's pack holiday
F - £10.01 Petrol
F - £0.65 chewing gum
S - £40 Shopping
S - NSD

Shopping - £50.37
Petrol - £17.01
Unnecessary - £46.70

TOTAL SPEND - £114.08