Palema’s quest for a place to call home

[Deleted User]

A few days early as I got paid last week and am already spending my money :eek:

My Budget this month is as follows:

Income
Monthly income after tax - £1,317.62
Current Account Reward - £5.00
WW Salary after tax - £560.55
Account fees
Account fee - £15

Monthly Expense Details
Direct Debits
Rent - £200
Mobile phone- £24.26
Cinema Card - £15
Speedway support - £10
Contact Lenses - £18
Total - £267.26

Savings accounts

Santander 1st Homebuyer - £300 (2nd of the Month)
[FONT=&quot]ISA - £300
[/FONT] Holidays and Social - £100
Car (including MOT, maintenance and Road Tax) - £75
Emergency Fund - £50
Niece's savings - £5
Work Christmas savings - £10

Total - £840

Other Spends
Petrol/diesel - £100
Me money - £200

Savings totals so far
Santander 1st Homebuyer - £5500
ISA - £2200
Holidays and Social - £277
Car (including MOT, maintenance and Road Tax) - £137
Emergency Fund - £200
AA Savings (VSP) - £82.77
Work Christmas savings - £0
My Niece's savings - £100

I have put quite a bit on my Pink Friend again last month so have managed to pay it off.

Events for the next month are as follows:
Saturday 31st December - Hogmanay night out
Friday 5th January - My SIL 30th Birthday
Nothing else planned for January!

P
X

[Deleted User]

Hi everyone
What a quick week it has been!!
I have been fairly lazy over the last few days.

I braved going into town on Tuesday and ended up spending a small fortune on new makeup :eek: as I have either run out or lost a few bits and pieces over the last month. I also braved Primark and bought a make up bag and new handbag

I also bought myself a new water bottle for work as the one I have just now is beginning to go a little moldy and the straw in it is changing colour and I dropped it not long ago and cracked it. Ialso applied for the Amazon CC and got accepted so my Pink Friend will be closed next month and I will use the Amazon one instead.

Wednesday I spent a good 3 hours sorting out all my new stock for next week's WW meeting, its all coming together nicely.
I then went to the cinema to see Alvin and the Chipmunks: Chipwrecked - it was childish and predicatble but brillaint!:D

I went to visit some friends yesterday and took their girls aged 8 and 10 out for lunch to Nando's then to the cinema - so I saw Alvin and the chipmunks for a 2nd time in 2 days! :eek:

Today I started with the good intention of tidying my dresser drawers and only managed to do my money drawer - I have filed away all my statements and such like so I can find them.

I also called BOS to set up the Save the Change on my Current Account, on the phone Irish guy 1 had no clue what the hell I was talking about and put me on hold only for the line to clear, and put back in que again. :mad: Irish guy 2 had no clue what the hell I was talking about and went to speak to a superviser came back and gave me the number for the online service helpline. Irish guy number 3 had no clue what the hell I was talking about and the smae thing happened as with Irish guy 1 put on hold and line this time cleared. At this point I had been on the phone for 45 minutes. :mad:

So I got in the car and drove along to my branch - guess what - They had no clue what the hell I was talking about 30 minutes later a very helpful young man had my account details and finally had it all set up for me.

When I got home at 2.30pm I went back into my PJ's and have done sweet FA the rest of the day!

Money stuff

Tuesday 27th December
£166 - makeup :eek:
£1 - make up bag
£8 - handbag
£14.50 - Water Bottle
Total - £189.50

Wednesday 28th December
£2.35 - Drinks
£3.50 - Morrisons
Total - £5.85

Thursday 29th December
£34.10 - Fuel
£28.90 - Nando's
£2.00 - Parking
Total - £65

Friday 30th December
£0.29 - Calander
£7.78 - Stationary
Total - £8.07

P
X

[Deleted User]

Hi everyone
I have decided to continue this diary on and not start another one as I am hoping to be able to start a MFW one at some point in 2012.

With that in mind here is what I wanted for

New Year Resolution in 2011

1. To pay off my pink friend aka the CC!! Done and run up done and run up, see a pattern!
2. Save, Save and Save some more for a house deposit! (Hopefully have a decent deposit by late 2012) Have done OK on this front Hopefully be able to pay a deposit by middle of 2012
3. Put ALL my babysitting money into savings for my house deposit. Not done this much :eek:
4. Try to leave all savings in their accounts instead of dipping into them each month. Getting better at this now
5. Keep using my phone app to keep track of my spending. ( I use it constantly anyway as its a great way of seeing how much I am spending and on what!) Still using and don't know where I would be without it!

FINALLY - Not so much DFW
6. Get to my goal weight at WW (So close – as of 18th December 2010 I was 2lb from my goal weight!!) ACHIEVED 29/01/11 :j:j

One thing I didn't expect when I wrote this list was to become a WW leader!

So now onto 2012

1. Keep saving, put as much money into savings as I can for a decent deposit.

2. Stop buying junk at the shops it's a waste of money and I DO NOT need it all.

3. Have my own place by July 2012.

4. Find some sort of fitness activity I enjoy and make time to go do it.

5. Get at leat 7lb under my goal weight (I have struggled since getting to goal at staying there and think by doing this I will feel more comfortable in myself)

That's all folks.
Happy New Year - Have a fantastic 2012 _party_


P
X

mariagti

Hello Pamela

Wow! Your doing fantastic with your house deposit, well done hun;)

I hope you manage all your new years resoultions, Hope 2012 is a good year for you.:beer:

£166 on make up!!!!! I feel bad spending £20 on it lol


Maria x

[Deleted User]

mariagti wrote: »

Hello Pamela

Wow! Your doing fantastic with your house deposit, well done hun;)

I hope you manage all your new years resoultions, Hope 2012 is a good year for you.:beer:

£166 on make up!!!!! I feel bad spending £20 on it lol


Maria x

Thanks Maria
I am trying!!
I know the amount on Make Up is pretty huge but as with all skin stuff I use I would rather spend money and my skin be OK than it break out or take a reaction due to being allergic to it. I use Mac and I have not bought any make up for well over 2 years and have lost some and am replacing others.
Have a great New Year.
P
X

[Deleted User]

Hi everyone

Happy New Year

I went on for Hogmanay for the 1st time in years! It was a pretty rubbish night no atmosphere at all, but the company was good - we were in a bowling club and we were the youngest there, everyone else was very cliquey and were of zimmerframe age! :eek: I spent a total of £35 for the whole night and that included a taxi there and a taxi back too.

Spent all bar 1 and a half hours on New Years day in my PJ's, I just couldn't be bothered doing anything and I wasn't hungover either

I went to visit a friend once the hurricane winds eased a little on Tuesday and then had to go help my mum walk my neighbours dog - my mum is disabled and with the wind still blowing quite a bit and having a dog who likes to pull on the lead Mum would have landed herself on the ground had she gone on her own I'm sure of it!

I got my Amazon Credit Card through today and it is pretty easy to navigate the accounts page and for making payments. The urge to buy Kindle books however has been HUGE, I need to limit myself as I now have enough to do me several months already!:eek::eek:

I went back to work yesterday - 1st thing our car park was closed due to a fallen tree, luckily I got parked round the corner so didn't have far to walk. I then had my 1st WW meeting of 2012. Considering the weather there was a pretty good turn out

Off to my Brothers tomorrow as it is my SIL's 30th Birthday today.
Saturday not alot planned apart from facing the scales at my WW meeting. :eek::eek:
Sunday I have my own WW meeting to run then I will be doing not very much at all

Money Stuff

Saturday 31st December
£35 - Hogmany night out

Sunday 1st January
NSD

Monday 2nd January
£7.73 - Kindle Books

Tuesday 3rd January
£15 - Lunch

Wednesday 4th January
NSD

Thursday 5th January
NSD

P
X

beanielou

Dident realise that you went to your own WW meeting!

[Deleted User]

beanielou wrote: »

Dident realise that you went to your own WW meeting!

I still go to the meeting I went to and lost my weight in Beanie.
I was and still am a helper - however these days I go with the flow and will do pretty much anything weighing, shop, clerking, cards, new members. For some reason I still call it my fat club meeting!

P
X

mariagti

The wind is a nightmare atm isnt it! Next doors chimney has fallen off down here! Well done on all your NSD's

gothrockchic1

Well Done on 2011 New Years Resolutions and good luck for 2012 x