All the small things - tell me what you have done to be MF today

gallygirl

curlygirl1971 wrote: »

So LB, you do your toothbrush. Do you reackon anyone would mind my personal lady trimmer powering up in the corner?

My epilator isn't battery operated. I wonder if I went into work early and sat under my desk.......no, best not to really

curlygirl1971

I was just on my nectar account and I saw something called 'Nectar Canvass', its surveys, so have registered for it. Not sure how long it's been there - perhaps I'm the last to know about it

coldcazzie

LOL at curlygirl - love the microphone image, that's cheered me up no end! :rotfl:

Today I bought this month's toiletries at Home Bargains/Wilkinsons. Unfortunately I then ruined it by splashing out on lamb for a couple of dinners... £8 on a leg joint and about the same on chops :eek: :eek: :eek: lamb is ridiculously expensive!!

curlygirl1971

coldcazzie wrote: »

LOL at curlygirl - love the microphone image, that's cheered me up no end! :rotfl:

Today I bought this month's toiletries at Home Bargains/Wilkinsons. Unfortunately I then ruined it by splashing out on lamb for a couple of dinners... £8 on a leg joint and about the same on chops :eek: :eek: :eek: lamb is ridiculously expensive!!

Its also good in another respect - it's making me avoid going shopping after work. I'm in danger of the Asda Greeter grabbing hold of me to make an announcement about reduced bread.

Lamb - yeah I picked up some whoopsie the other night and then put it down again cause I thought it was still a lot of money. Wish I had got it though now. You need a bit of variety so it's fine now and again.

LavenderBees

Had my first laugh out loud for a few days reading your posts tonight, Curlygirl and very MSE as free!! :rotfl:

Two more things before I shut up shop for the night and try to encourage naughty kitten in...

Shop & Scan completed so a further £1.60 made...whey hey!

1 survey not completed, but it gave me the points anyway despite the fact it screened me out. Result!

I'm still trying to work out the bank account to savngs account back to bank account scenarios

Sweet dreams all

LB xx

P.S. I have lovely mental pictures of us all in work charging up our personal electical items :T

curlygirl1971

LavenderBees wrote: »

P.S. I have lovely mental pictures of us all in work charging up our personal electical items :T

All buzzing away quite nicely


The way I do it (and I understand this is only really for sad gits with no life) is Spreadsheet accounting. Every single expenditure is noted down - forecasted to the end of the year and over-written when it becomes an actual.

I have a running balance columns - bank, credit card.

Each expenditure is also categorised eg. Household, Transport, Social.....There are monthly subtotals so I can compare it against my Target budget

It's reconciled to my CA and CC statements. If I withdraw cash from the bank account or pay a CC bill, then those amounts are deducted and when i spend the cash or spend on the CC its entered against the categories only.

So the forecast bank balance in this sheet gives me a good idea of how much I will need in the account and when.

It's time consuming to set up but easy to keep on top of.

The columns are:

Transaction date
Transaction description

Transaction in/out of Bank
Bank Balance

Transaction in/out Credit Card
Credit Card Balance

Then I have spending categories

The rows starting from the top would go something like:
Column title
Opening Balance
Salary going in
Bills going out
All your other transactions
Sub total for month

My forecast starts off the same for every month - the basics and then I use that as a template and add things to it eg. A little extra at Xmas

I know roughly how much I'm going to spend on Food, Fuel every week and enter this 4/5 times under every month, I have a social allowance, toiletries etc. I know what my bills are going to be, I know when annual expenses such as insurance are going to be due (although these are paid for out of my savings ultimately).

Anyway blah blah blah hopefully you get the picture and are still talking to me now you know my dirty secret

LavenderBees

curlygirl1971 wrote: »

All buzzing away quite nicely


The way I do it (and I understand this is only really for sad gits with no life) is Spreadsheet accounting. Every single expenditure is noted down - forecasted to the end of the year and over-written when it becomes an actual.

I have a running balance columns - bank, credit card.

Each expenditure is also categorised eg. Household, Transport, Social.....There are monthly subtotals so I can compare it against my Target budget

It's reconciled to my CA and CC statements. If I withdraw cash from the bank account or pay a CC bill, then those amounts are deducted and when i spend the cash or spend on the CC its entered against the categories only.

So the forecast bank balance in this sheet gives me a good idea of how much I will need in the account and when.

It's time consuming to set up but easy to keep on top of.

The columns are:

Transaction date
Transaction description

Transaction in/out of Bank
Bank Balance

Transaction in/out Credit Card
Credit Card Balance

Then I have spending categories

The rows starting from the top would go something like:
Column title
Opening Balance
Salary going in
Bills going out
All your other transactions
Sub total for month

My forecast starts off the same for every month - the basics and then I use that as a template and add things to it eg. A little extra at Xmas

I know roughly how much I'm going to spend on Food, Fuel every week and enter this 4/5 times under every month, I have a social allowance, toiletries etc. I know what my bills are going to be, I know when annual expenses such as insurance are going to be due (although these are paid for out of my savings ultimately).

Anyway blah blah blah hopefully you get the picture and are still talking to me now you know my dirty secret

Em...have you thought about getting help? :eek:

Well, I'm not spreadsheet-motivated at all :eek:. In fact, I shudder to think of spreadsheets outside of work:rotfl:, so all I did last night was work out what bills I'm needing to pay next month (some have to be estimated like my electricity bill), and that will be the amount I transfer into my ING savings account. I've marked on my calendar the dates and amounts I need to transfer various amounts back to my current account to cover the bills going out.

I'll see how it goes next month. The plus side of using the calendar is that I look like I have a social life as my calendar is crammed with little notes :rotfl:

Have a good day now :T

LB xx

greent

Loving the microphone image, curlygirl!

Quick round up for me - not much, really

Made DH use TCB when he was buying some sportswear online (for running - free exercise as opposed to gym membership)
Used coupons for things I'd buy anyway at smkts (although also used a couple of coupons for things I wouldn't normally buy (due to price) but got for free or 5p each with a coupon and they will be used)
Sold more carp on ebay - and listed yet more [STRIKE]carp[/STRIKE] beautiful preloved items on FLW last weekend - bids on a couple already :j
Did some of my shopping in A!di this morning - passing it on way back from school run (no real extra fuel and cheaper f&v)
Will be using m-i-l's wm (and electrictity) for a couple of weeks whilst waiting for a part for our WM
Bought 300 2nd class stamps last weekend ahead of the price rise
Used vousher when going out for DS1's birthday lunch (restaurant of his choice)
Used Tesco CC vouchers to get cineworld tickets for DS1, DS2 and DH to go to cinema last weekend
paid my ebay monies to mtge as an OP, along with money received for selling some (non ebayable) clothes via cash 4 clothes
adjusted meals to take account of what needed using up to ensure no food wastage

shala_moo

curlygirl1971 wrote: »

So LB, you do your toothbrush. Do you reackon anyone would mind my personal lady trimmer powering up in the corner?

Shala-moo - not sure if you've spotted it but Kazza's thread is EXCELLENT for finding good ISA's. Check out post 1.

https://forums.moneysavingexpert.com/discussion/401374

gallygirl wrote: »

My epilator isn't battery operated. I wonder if I went into work early and sat under my desk.......no, best not to really

:rotfl: :rotfl:

I've heard there's a man at our work that fills a flask of hot water at work to take home every night to save him boiling his kettle.. now a much as i'm tempted to do this and your "suggestions" above - how would we explain if ever found out!! :rotfl:

Thanks for the ISA info - will go have a tootle over later and see..

Not much money savings today.. just bought leftovers to work for lunch and my own breakfast - no gorgeous, bacon sandwich from the cafe for me

have a good day x

curlygirl1971

shala_moo wrote: »

I've heard there's a man at our work that fills a flask of hot water at work to take home every night to save him boiling his kettle.. now a much as i'm tempted to do this and your "suggestions" above - how would we explain if ever found out!! :rotfl:

OMG now that is Hardcore MSE!! Surprised he doesn't have a strip wash in the urinals as well before he goes. Actually we have a shower at work - it's really nice as well. It's a wet room that opens out onto a main corridor and somehow it just wouldn't feel 'right' being naked so close to my colleagues That and the fact I'd have to bring my towel and all my palavar with me.