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Palema’s quest for a place to call home

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  • [Deleted User]
    [Deleted User] Posts: 1,843 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Hi everyone
    Thanks for the dress comments girls - Still in 2 minds about wether to go back and get it although I have seen THIS one in Next that I quite like as well and THIS one from my mum's catalogue!! I just don't know :o

    I am on my half day from work tomorrow, I was supposed to be going to an early years conference but due to a mix up I am now going on Thursday instead :D So tomorrow is Gran shopping day and a chilled out afternoon!

    Today's spends
    £35 Fuel for my little car
    £3.50 Snacks, cause I am a pig!! :eek:
    £1 work birthday
    Total £39.50

    P
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  • [Deleted User]
    [Deleted User] Posts: 1,843 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Hi everyone

    I should have posted this yesterday but was busy sorting a few other things.

    I forgot to amend February's budget, as I ended up paying my phone bill but have not paid anything this month instead :D

    My Budget this month is as follows:

    [FONT=&quot]Income[/FONT]
    [FONT=&quot]Monthly income after tax - £1259.39[/FONT]
    [FONT=&quot]Current Account Reward - £5.00[/FONT]
    [FONT=&quot]Plus some babysitting
    [/FONT][FONT=&quot]
    Account fees[/FONT]

    [FONT=&quot]Account fee - £13 (£0.50 into ISA)[/FONT]
    [FONT=&quot]
    Monthly Expense Details
    Direct Debits[/FONT]

    [FONT=&quot]Rent - £200
    Mobile phone- £0 :j:D[/FONT]
    [FONT=&quot]Cinema Card - £14 (£0.50 into ISA)[/FONT]
    [FONT=&quot]Speedway support - £10[/FONT]
    [FONT=&quot]Total - £224[/FONT]
    [FONT=&quot]Savings accounts[/FONT]

    Santander 1st Homebuyer - £300 (2nd of the Month)
    [FONT=&quot]ISA - £100 [/FONT]
    [FONT=&quot]Holidays and Social - £100[/FONT]
    [FONT=&quot]Car (including MOT, maintenance and Road Tax) - £50[/FONT]
    [FONT=&quot]Present Fund - £40[/FONT]
    [FONT=&quot]POD (Prescription, Optical, Dental) - £30[/FONT]
    [FONT=&quot]Clothes - £20[/FONT]
    [FONT=&quot]AA Savings (VSP) - [FONT=&quot]£18.39[/FONT][/FONT]
    [FONT=&quot]Work Christmas savings -£10[/FONT]

    [FONT=&quot]Total - £668.39[/FONT]
    [FONT=&quot]
    Other Spends
    [/FONT]
    [FONT=&quot]Petrol/diesel - £100[/FONT]
    [FONT=&quot]Me money - £200[/FONT]

    Savings totals so far

    Santander 1st Homebuyer - £2400
    [FONT=&quot]ISA - £137[/FONT]
    [FONT=&quot]Holidays and Social - £210[/FONT]
    [FONT=&quot]Car (including MOT, maintenance and Road Tax) - £80[/FONT]
    [FONT=&quot]Present Fund - £90[/FONT]
    [FONT=&quot]POD (Prescription, Optical, Dental) - £70[/FONT]
    [FONT=&quot]Clothes - £40[/FONT]
    [FONT=&quot]AA Savings (VSP) - [FONT=&quot]£86.53 [/FONT][/FONT]
    [FONT=&quot]Work Christmas savings - £20[/FONT]

    That's it for March! I have so far this year managed to not touch most of my savings accounts apart from my ISA and I used that to pay off my netbook and the Neil Diamond tickets I bought! :eek:
    I have increased my fuel to £100 as I was close to that last month :eek: I will also be filling the car right up as it is easier for me to do it that way. Bizzarely I filled my car up yesterday and it took only £35 to do so!

    My car has its 1st service on the 8th March so will no doubt have to take some money from other accounts then pay back at a later date!

    March events
    5th - Meeting a friend for dinner and drinks
    6th - Visiting a friend from work and taking her out for lunch as she is off after having a major operation.
    10th - Speedway Talk in
    18th - Friend visiting for a couple of days (cinema trip and a night out planned)
    25th - Speedway starts! :j:j
    26th - Farewell meeting for a speedway rider in Berwick
    27th - 1st Local speedway derby of the season! :eek:

    As you can see I have a quiet month ahead!! :rotfl:

    Oh and 1st NSD of March today!! Off to early Years Conference tomorrow instead of being at work, Will be nice to get out of the Nursery for a change! :D
    P
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  • beanielou
    beanielou Posts: 96,035 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Happy Early Years Conference :grin:
    Is it in Perth?
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • [Deleted User]
    [Deleted User] Posts: 1,843 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    beanielou wrote: »
    Happy Early Years Conference :grin:
    Is it in Perth?

    No Beanie it's in Edinburgh, it's run by Edinburgh Council each year. I went 4/5 years ago and really enjoyed it so hoping its going to be as good.
    P
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  • beanielou
    beanielou Posts: 96,035 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Think there is one in Perth too about now.
    My friend is a childminder & I remember her getting an invitation.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • [Deleted User]
    [Deleted User] Posts: 1,843 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Hi everyone
    I have had a great day at the early years conference. Lots of interesting topics and fun.
    Will no doubt have to talk to the rest of my colleagues at work about the day at our in-service day in a few weeks time. :eek:

    Today's spends
    £2.85 Fruit

    P
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  • debtbegone
    debtbegone Posts: 1,007 Forumite
    I just had to google speedway *runs away to hide* :o
    The debtWILLbegone - taking it 1% at a time
    Grand Total Owed:
    [STRIKE]£11,000[/STRIKE]£9962 Kicking the evil HBOS card's butt: [STRIKE]£4920[/STRIKE]£4495
    1% (£50) at a time member #121 - 11/100





  • [Deleted User]
    [Deleted User] Posts: 1,843 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    debtbegone wrote: »
    I just had to google speedway *runs away to hide* :o
    Don't run and hide DBG - there are alot of people who do not know what speedway is.
    The best I can offer as to an explanation is HERE HERE and HERE These 3 races are 3 of the best I have had the privillage of witnessing live. The 1st was in Poland in 2007, the 2nd Cardiff 2007 and 3rd was in Poland in 2010.
    The bikes are 500cc with no brakes and go from a clutch start from 0 to60mph in about 3 seconds!!:eek: Or as I like to put it mad men on bikes without brakes!! :D
    EH will hopefully back me up :D
    I love my speedway and only 21 sleeps until the start of the season :j:j
    P
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  • Why do they have 'things' on there back wheel? Is it to funnal the dirt from the track away from thier wheel? Or something else? Also has thier been any really bad crashes? I am guessing there have been crashes...
  • [Deleted User]
    [Deleted User] Posts: 1,843 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    edited 4 March 2011 at 10:07PM
    Why do they have 'things' on there back wheel? Is it to funnal the dirt from the track away from thier wheel? Or something else? Also has thier been any really bad crashes? I am guessing there have been crashes...

    The "thing" on the back wheel is a dirt deflector, its to help the dirt from spraying the other riders and from going into the crowd - It helps a bit!!

    Pap you want crashes!!
    HERE or the biggie from British speedway last year HERE Believe it or not the guy who crashed in that 1 got up and won the remainder of his races that night.
    P
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