Blinded by the LBM...!

wot-a-mess

Hi Been,

Good idea using the Tesc0 vouchers for train fares.

Beencounting

wot-a-mess wrote: »

Good idea using the Tesc0 vouchers for train fares.

Thanks W-A-M

Skintfoodie

Hi Been,

Good work with the vouchers - just got to get them upto that amount now!

Beencounting

Beencounting wrote: »

On the plus side though, there was some good news in the post - I've received an unexpected statement from Nationwide for an account I'd forgotten about. There's only £8.68 in there, but I'll be finding out tomorrow how to draw it out so I can pay it off the CC

OH has also traded in DDs old phone, we could get £22 cash or £24 Arg0s vouchers. We've gone with the latter as we need a microwave. Ours blew up in July and we've been wanting to replace it for months. I'd worked this into the plan for next month, so this is a bonus .

Well I closed the Nationwide account today and now have the £8.68 in my purse, but DD has already asked for £3 so she can go to another fitness class tonight. It's so frustrating, I really don't want to say no (and haven't actually) as it seems petty and ultimately I don't want to stop them exercising. So, that's £3 gone this evening.

The voucher from the phone exchange has now come though , which is good news. We'll have a look at microwaves online later to see how far it will stretch and if we need to put an extra money to it.

Beencounting

I've updated my spreadsheet today. First hiccup was an unexpected payment for a magazine subscription, I pay them annually but have managed to leave them off the budget (we have two, one is mine, one is OH's).

After plugging that in plus the movements since the last time I looked at it, we now have a projected over OD balance of £11. I'm not too stressed about that at the moment, but I am concerned about the food budget for the rest of the month as we're failing every week to stay within budget.

On top of that, I've made a few purchases towards Christmas (haven't hit the bank yet). These have been heavily discounted due to a friend who can get some things from a factory shop and other stuff (football boots :T) from a closing down sale. These two items come to £80, so I'll be drawing this out of the savings account tonight to replenish my current account.

We've also needed to buy flea treatment for the cats - £15, so I'm going to draw out £110 in total to cover these spends plus a bit towards the food budget (£80 from Christmas pot and £30 from the emergency fund). Just hope it doesn't take too long to hit the current account.

Been

Beencounting

Oooh, forgot to say earlier that I'm going to get a little payrise from next month . Can't believe I'd forgotten about that :rotfl:

scotdebs

Woo Hoo on the payrise :j- I start my new job next month which is home based so although no payrise no travel costs and will also save money by not being tempted by shop bought lunches;)

banwa

Congratulations on the payrise from me too. In this economic environment, to get a payrise, you must be doing something very right:j

turfy6

Congrats on the payrise, always welcome :T

hillside777

Good news on the pay rise.

I know what you mean about treatment for the animals. It costs us about £7 every 3 months for cat treatment.

I know what you mean about shopping budget. I think I have set ours too low. We may get there eventually, but I did cut it down by 33%. Too far, too fast.

Keep up the great work you are doing! :rotfl: