Clippy means business! Third time lucky!

clippy_girl

so not much to report (again!)

boiler all fixed for £76 had the cash in my pot from excess weekly spends so that was good. but now only got £5 in there and just had to pay £67 for accom for friends bday. will also need about £80 petrol. should just be able to save up the £67 again by the time i go hopefully from weekly spends. will also get £81 in expenses in feb pay which can pay for the petrol. then hopefully the £40 wekly spends will cover the weekend.

just joined BG homecare for £17 month. its a lot of i dont need to use it but would rather pay £17 month than need to shell out £100s for a repair. boiler is getting on a bit now so will see how it goes.

bank currently -£35 due to transfering money to friend and using the cash to pay for repairs. will pay in my £160 cheque today so when it clears remainder can go off cc

clippy_girl

yipee some v good news! rang up sky and told them i wanted to go to virgin as they have v good cashback deal. she said unfortunately they couldnt match that but i could have free line rental for a year! thats about £11.50 month off my bill :j:T

v glad i didnt take the guy on his generous offer of 10% off my tv package if i signed up for 12 months (would save £1.90 month!)!!! now saving £11.50 and not had to have new contract!

clippy_girl

bit of tweaking of the budget. decided weekly spends too high as i have had at least 50% left over for a month now. i have been saving it for weekends away but tbh if i want to see my friends i would go regardless of whether i had enough saved! decided to reduce weekly spends to £30. i pay £5 week for dancing so rest is free to do with what i want. will save excess towards a night out but once i have £30 saved i will pay rest towards debt and replace it if i use it. weekends can then be paid for as and when out of debt account. will start new budget from feb pay day. re petrol i will leave it as it is but if theres any left at end of month then that will be transfered to debt account. i have budgeted £80 but i prob only use £20-30 for personal journeys. the rest is normally used on work journeys (i tend to then use the reimb from work towards debt) or if i go away for weekend. new soa as follows-

inpay1368outkitty (for meet up with uni friends)2519th hair cut1119thfood8019thpetrol8019thpresents & xmas3322ndwater3222ndtv licence1222ndhome insurance16.2122ndgas & elec8326thcontact lenses1528thcouncil tax 651sthomecare171stbank account fee9.51stgym531stmortgage6227thlove film5.999thmobile 4017thsky27weekly spends120total1346.7

at least now the spends are reduced my wage covers all the outgoings

then lodgers rent and ms money goes in a seperate bank account to pay off debts

clippy_girl

so lazy weekend this weekend. seems like i have not had any ms for a long time just got my regular audits to do

cc is down to £66! is a shame as if i hadnt had to pay for the boiler repair then it would be cleared and i could have made a £12 payment to mum (although i am tempted to fine her as got my lovely diary out yesterday to write a few things in it and i have noticed that she has written random comments every few weeks throughout the year such as 'buy mummy flowers'. not very happy :mad:)

so plans for today are to enter some comps, clean the house, get my hair cut, make parsnip soup and do two audits.

plans for tomorrow are to do some portfolio work, go gym and list a few things on the work market place to sell/give away to clear some space. might find some goodies in my room as noticed my blackberry box is still under my drawers (i got rid of this last april!). not sure what i will find!

have been bad and not excersized all week and have eaten treats everyday (inc some i bought from shop :mad:). need to nip that in the bud!

Radish72

Love that your Mum has written random comments in you diary

clippy_girl

right, with a bit of moving around i have cleared the cc today mainly made up of excess weekly spends-

currently got £27.50 of weekly spends to last until wed, all i need to spend is £5 on mondays dance class. so using £20 of that (forgot to withdraw £20 from present/hair account yesterday to pay for hair so used the £20 of weekly spends and just made a transfer of £20 from present/hair account to cc)
have got the next two weeks weekly spends out in cash already (was to pay for boiler repairs) so will use £20 of the £80 for my remaining food budget so transfered the £20 food budget from my bank along with what will be left day before payday (£28) to cc

so cc is now cleared :T:beer::j

have got £91.50 to last until payday for food and weekly spends. got a night out next week (budget £40), 3 dance classes (£15) and thats all planned so should be enough!

so now on to paying the final debt off- mum

think this calls for a new diary

clippy_girl

new diary- https://forums.moneysavingexpert.com/discussion/comment/50606833#Comment_50606833