The 'I can't think of a good name at the moment' Diary

Betty_Crumble

Hola, shopping is coming between 1 and 2 and I have just realised I have no freezer bags so will have to nip out to Wilkinsons, hope I can be strong and resist all the magical stuff that promises the earth while saving the earth but really just sits in the cupboards when reaches home. Oh and for those wondering how paying for shopping delivery is moneysaving then please feel free to follow me around a supermarket and compare trolley after checkout to shopping list

Dinners done (slow cooker was on yesterday, mash mashed and veggies vegging) will nuke that later.

Have had a look at my social commitments for the month and I have a friend coming over to stay and we are going to have a takeaway and quite possibly (who am i trying to kid otherwise) some wine, I am confident this can come out of my grocery money. I also have a night out planned but I am doing a buffet for 80 people next week and I'm getting paid to do it so thats my going out money. I have £130 left from my wages (everything paid) that is to sit there until my next pay day and as long as nothing crops up that will be going towards a debt too.

Igamogam

Hello, you can share my LBM if you like and we can do it in tandem :beer: try and pop a list of yr debts up by Sunday evening then we can start a whole new week together.


Now you see giving me a deadline is no good - head deeper in sand and found lurking there lots of distractions.................. not least we have appeared to have lost one of our near neighbours cats who we are looking after whilst they are away So just about to pop out and go for walk along lanes and do some cat calling

Igamogam

Millie cat turned up:j Very aloof and with no idea what she had put us through. With much fussing and tickling of tum ( the cats!) I can turn my attention to more pressing matters

Hovel_lady

Glad Millie cat is back
Good luck with your more pressing matters x

Betty_Crumble

Igamogam wrote: »

Hello, you can share my LBM if you like and we can do it in tandem :beer: try and pop a list of yr debts up by Sunday evening then we can start a whole new week together.


Now you see giving me a deadline is no good - head deeper in sand and found lurking there lots of distractions.................. not least we have appeared to have lost one of our near neighbours cats who we are looking after whilst they are away So just about to pop out and go for walk along lanes and do some cat calling

Igamogam wrote: »

Millie cat turned up:j Very aloof and with no idea what she had put us through. With much fussing and tickling of tum ( the cats!) I can turn my attention to more pressing matters

Evening Iggy (is it ok to call you Iggy?) the best place for sand is between your toes so head out as soon as please how about working out how much you owe on just one debt and sticking that in your signature? Baby steps? I wont push but it'd would be really nice to have someone start out at the same time as me :beer: have a think about it.

Today I have finally managed to get a refund on inferior goods, it was hard work I tell you, so thats £14.95 into my 'made' pot :T. Ebay has finished and will add that when I have took the postage off tomorrow. I've been a little naughty today, didn't have to pay parking today and so should have stuck that in but the dreaded Tesco Express lured me in and I spent £2.59 (I hang my head in shame) but 41p going in to my 'made' pot too .

Betty_Crumble

Ooh and just realised that at the end of each month I can add my 'made' to my 'overpay'. I think I'm getting the jist of it whoopee.

Betty_Crumble

Didn't update my ebay amount yesterday as I stayed away from home, the riots were a bit too close for comfort last night and not sure how its going to go tonight either. Anyway minus fee's (both ebay and paypal booo) and postage I made £62.25 so have added that to my 'made amount.

Went in to Coop and spent a few £'s but I did get a big pack of mince reduced to £1 so its in the freezer with lasagne written all over it, yum. I was good though and took it out of the grocery money, could have cheated and put in on my debit card but nope.

I'll just let you know how my finances are set up at the mo, I do want to change it but for the mo I have my wages going into 1 account 4 weekly. from that I pay my
rent
council tax
monthly payments on the catalogues
credit card
car payment
childcare.
I usually work out before hand how much I'm going to need and then decide what to do with the rest depending on whats left. We normally have a treat day when I get paid which may be a moozey round town, a few bits n bobs, cinema or bowling and lunch out. That comes out of this along with a night out and then I usually pop the rest on cc as an overpay.

In another account goes my wtc and child benefit, I normally use this as my day to day account leaving enough in for my direct debits that come from this one, they are;
water
tv licence
house insurance
mobile phone
sky
car insurance

petrol, parking and food comes out of this too (and school dinners in term time)

would love to have an account with a months dd money in upfront so each month i just put that amount in and leave it. Well enough waffling going to have (another) think about how i want my accounts to work.

Betty_Crumble

Hello mse world, not had chance to post for a while, kids, work, cleaning, cooking, taxi-ing and napping all get in the way unfortunately. Just updated my grocery spend even though I didn't need to buy anything, bad girl you may think BUT as I had £19.10 worth of vouchers it would have been rude not to, I must say seeing a £48.75 bill shrink down to £29.65 is just soooo mse me :j and I only bought stuff that will help towards next months menu planning.

I have also updated my 'made' amount and i must say i'm quite impressedamundo at this as i have not really put my all into it but the plus is there's plenty more to come, yay.

I have managed to do 13 hrs overtime too so will add that to my 'made' when I get paid.

Now I have a dilemma, do I? 1. pay Next off and whats left on cc to start my snowballing with one less debt or 2. straight into snowballing? (ooh I could just drink a snowball, random 80's christmas flashback sorry)

I also have to spill that i have been a little naughty, managed a week with no car parking to pay however it also coincided with my genuine-at-the-time promise to make my own lunch and im ashamed to admit that i used cp £ to fill my belly, my new starting date is tomorrow.

Still have yet to work out the best arrangement for my direct debits and the different account i have but will get to it.

Right ramble over, hope everyone is faring well :beer:

Betty_Crumble

I'm a genius! have just made lunch for tomorrow (35p with coupon philly and cucumber on brown) and so I dont forget to take it (regular occurrence) I have put my car keys in the fridge! :rotfl:

-katied-

well done on your light bulb moment.
mine too is just a flickering candle, but i know the time is coming to lift my head out of the sand .I am going to subscribe to you'r thread if you don't mind, maybe it will give me the push i need.

good luck onyou'r journey:)