Living life, loving life.......hypno's having a ball!

hypno06

Yes, just 8 days or so until we go - although it is a long drive down there, the following 12/13 days or whatever will be just what I need.

I'm just going through one of those phases we all go through from time to time.....just gotta deal with it.

In MSE news, I had a few £££ of clubcard vouchers arrive yesterday so will convert them into eating out vouchers for me and the children to use later in the year.

Oh, and bypassed coffee again today, so another little bit in the Rome pot....

atypicalblonde

Hi Hypno hun,

Sorry to be a pain but if you get chance would you mind posting your %s? Much appreciated - I am going to call the mortgage provider today x

hypno06

just off to the hospital re my finger....will do when I get back....

hypno06

hypno06 wrote: »

So......inspired by something that Souk wrote in her diary over the weekend, I have been looking at what % of my income goes where.

I am not sure if the results are surprising or not, but it has given me some food for thought, and as a result I have increased my long term savings, and have created a short term savings standing order, which is intended specifically for holidays.

In round figures, the table looks like this:

50% Household bills - including mortgage, council tax, utilities, house insurance, life insurance, and mobile phone bills.

5% Travel - cost of bus for me, DD's school bus pass, money allocated to car insurance/MOT etc

10% Long term savings - aiming to build a buffer for big expenses such as car replacement, help towards uni, emergency if I lose my job etc

5% Short term savings - towards holidays

10% Food

5% Petrol/Oil

10% Spends - this is to include the childrens allowances, my social life, spending on clothes and haircuts/waxing and the cost of the cleaner.

5% Slush....as invariably things don't work out in nice neat multiples of 5% :rotfl:

Hmmmm.......

This is, of course, a far cry from the days when my entire salary was taken up in debt repayment, with OH entire salary not even then covering the basic household expenses, so I am not, for one moment, going to think that times are tough. I've done "tough" and this is not it!

BUT there is a lot in there that gives me stuff to think about. I will ramble on in the next post.......

ATB - here you go....sorry it didn't get re-posted earlier....one of those days!!

se999

How did the hospital go Hypno?

atypicalblonde

Thank you so much hun you are a star x

hypno06

se999 wrote: »

How did the hospital go Hypno?

Still too swollen to assess properly......a future appointment has been made so I just have to bide my time!

Thanks for asking

ATB - no problem, hope it helps!

gallygirl

Just been listening to the news. Crikey H, bet you've had a busy day at work.

Doomed, we're all doomed. Mutter mutter

ShelleyC_2

You reposting that made me remember that I was supposed to be doing a spending diary to track my slushy spendy bit. I haven't been Promise will try harder. Have been keeping up with my dream diary but thats much more fun!

Hope the finger isn't causing too many problems.

Sounds like the Rome pot and Morrocan tagine will be overflowing before long :T

hypno06

gallygirl wrote: »

Just been listening to the news. Crikey H, bet you've had a busy day at work.

Doomed, we're all doomed. Mutter mutter

It is definitely contributing to my feeling of being frazzled Never a dull day in my job :rotfl:

The finger doesn't cause too many problems, but I have just been doing a load of batch cooking for the freezer - a chicken curry and a slow cooked beef in red wine and the finger did hinder me with chopping veg and opening tins......

But I survived!