Pap's Productive Project

postingalwaysposting

Aww no Beanie, will you lose much money then? What a pain

So it failed On a the headlight aim being too low... But they fixed it and passed it without even phoning Total cost £57. However I have 4 advisorys, I need a new tyre soon, windscreen wipers (I knew about these) and new indicator bulbs as mine are fading But at least its not parked up until payday :T I have £30.90 to last until payday and that includes fuel.

So now I am going to sit down and sort out my budget for next month and until christmas to see how I am getting on. I still want my CC cleared this month and at least £100 payed off Argos if possible as the 0% ends on that in December...

Juggle and Plod, Juggle and Plod :rotfl:

postingalwaysposting

Found wipers and bulbs on ebay that will cost me £11.22. So working on my budget this month, I can clear my CC, pay £86 from my Argos debt this month and buy the bulbs/wipers. This will wipe out my wage unless I get more than I use as my base pay.

I have worked out if I pay £86 a month Argos will be cleared in November when I will then close this form of credit :T Obviously in the coming months I will be throwing any excess to all my debts to reduce them faster. Mum still owes me £697.xx so that will all be going towards debts when its slowly drip feed to me

So I will be card free (again) by December :j

beanielou

I really hope your mum knows how lucky she is.

postingalwaysposting

beanielou wrote: »

I really hope your mum knows how lucky she is.

She does, but it doesn't stop her asking for more inbetween paydays :mad: I don't get it, her only debt is to me and my Argos card (wahing machine) yet she still can't manage her wage. Sad really, especially when there will come a day when I will leave home and she will be up the creak

beanielou

postingalwaysposting wrote: »

She does, but it doesn't stop her asking for more inbetween paydays :mad: I don't get it, her only debt is to me and my Argos card (wahing machine) yet she still can't manage her wage. Sad really, especially when there will come a day when I will leave home and she will be up the creak

Indeed,indeed.
Words fail me to be honest.

Gemmzie

PAP, I know it's hard but you have to stop lending to your mum - otherwise when you do go, she'll be going to payday loans :eek: - maybe help her with a budget? Encourage her to split her wages into envelopes for weekly spends/food etc?

postingalwaysposting

Gemmzie wrote: »

PAP, I know it's hard but you have to stop lending to your mum - otherwise when you do go, she'll be going to payday loans :eek: - maybe help her with a budget? Encourage her to split her wages into envelopes for weekly spends/food etc?

Gem I understand what you are saying but its really hard, we have been here before many diarys ago. I don't think I could help her budget, all I know is her bills are £754 without petrol, groceries and spends. I think she gets about the same basic wage as me £850, plus £120 from me and £180 from my brother. On payday she fills the car up and does one big shop and that usually lasts the month as she/we cupboard eat for the last week before payday's.

The thing is I just found out she pays the entire Virgin bill :eek: Thats all the boxes and my brother internet, we origianaly had 3 boxes but because lil bro ordered a recordable one only last month we now have four and only one really gets used However his internet bundle is the highest avalible and he hasn't paid it in at least 6 months, it angers me more than anything! So if/when he does go we will get rid of one or two of the boxes and the internet saving in the region of £60pm.

However in other news, I have saved myself some money :T Instead of buying a new desk and fitting it upstairs on the landing (I have the box room), I have moved my main pc downstairs onto the dining table. It's not really used to eat from and was a dumping ground I hated so taking it over I hope it kills two birds with one stone It means I can use BP without it crashing my netbook and I have access to all my files/music etc

postingalwaysposting

Its the 1st of the month :j Shame we are now in the latter part of the year, its 2010 all over again. Anyway as its now a new month I think I should pledge NSD's. I know there is a seperat thread but it gets so busy and I can't keep up with anyone and it seem's silly just posting my NSD's. So I will keep it in the diary, so I am pledging 25 out of 31, I know its seems mad but I need to clear this CC and I don't think I will have anything left so it makes sense. My rules are if its in my budget I can still count it as an NSD, if I buy something that isn't in my budget it's a spend day.

So this months budget,
£180.00 ~ Rent
£10.50 ~ House Insurance
£35.00 ~ BT
£19.00 ~ Dog Insurance
£140.00 ~ Loan
£80.00 ~ petrol
£10.00 ~ RAC
£140.00 ~ Car Saves
£86.00 ~ Argos
£11.22 ~ Wiper & Lights
£242.98 ~ CC

£894.80

So that will leave me prob with £0 left but my CC will be clear. For groceries I am living off my cupboards and freezer. I am also helping Mum clear some of it by having the same meals as her but getting it free iyswim. I got my last f&v this morning and hopefully when Mum gets payed I will get a small amount so that can give me some more before my payday.

So thats me, slowly but surely I will get to grips with the situation I am in :T

Emzilla

Hi Pap

I'm with you on the NSDs this month. I am so skint and my wages are all spoken for.

We can do it :j.

Emz xx

postingalwaysposting

We can Em, well I have to. Any wages I get extra than above will go to Argos if i can get through August I can do anything :T I have also just found this by Rictus, looks very good, I have been reading the article. I think once the CC is clear I am going to try a 'month' of this prob Octobers payday. I should then be able to clear Argos that month, looks promising

I shall be following your progress on your diary Em, you can do it!