Risen from the ashes ...

cleggie

You are mind reader, Rising,
i opened one of those last week
Thats my emergency fund pot!

rising_from_the_ashes

Well, have just signed up to switch my B/band to B*T and have got quite a good deal on line rental too.:D

ETA I'm one of the unlucky 16.4% of households stuck in "market 1" which means only B*T supply my area & so very little choice / ability to make savings

Paid in advance for the year - which will be a bit of a hit on the budgets and will require some jiggling :eek: (and probably raiding my last gasp emergency fund which has about £150 in it so will just cover it) :eek::eek: but it will save me £63 / year :j and I will get "anytime" calls, rather than just evenings & weekends :j (one of the reasons for the recent upping of my monthly D/debit to £23.50 :eek:). Plus £25 Sainsbobs giftcard .... Plus £35 cashback;)

Only problem ..... I need another savings pot to save up for next year :rotfl::rotfl::rotfl:

Currently sitting at 10 accounts :eek: (main, bills & 8 pots) so think things are getting a bit out of hand .

Really need to bite the bullet and try to combine some pots :eek::eek:

*runs off for a lie down as feeling faint*;)

Knitting_Nora

Oooo...breathe deeply....it'll be ok....you can always double-barrel the names of the accounts, and pretend they got married!

rising_from_the_ashes

Knitting_Nora wrote: »

Oooo...breathe deeply....it'll be ok....you can always double-barrel the names of the accounts, and pretend they got married!

Ohhhhh like that idea thanks Nora!

Need to devise a (simple) spreadsheet for the married ones :rotfl:to keep track of what's what!

cleggie

I like Noras idea of 'marrying' 2 together!

Maybe when you combine 2 together (for example 'Entertainment-Hair) you coud keep a track on your spreadsheet of how much in the account is for entertainment, and how much is for hair cuts? That way you will have less pots, but will know how much you have in them for each activity...if that makes any sense??

rising_from_the_ashes

cleggie wrote: »

I like Noras idea of 'marrying' 2 together!

That way you will have less pots, but will know how much you have in them for each activity...if that makes any sense??

Perfect sense!:D

rising_from_the_ashes

Now can't get pots out of my head!

Still really horrid outside (sleet & snow & howling wind:( - really hope it perks up as have a 350 mile round trip to do tomorrow on unfamiliar, twisty wee rural roads:eek:) so not a lot to occupy me .... well, I guess I could go and do some washing / ironing / hoovering / cleaning :rotfl::rotfl:

rising_from_the_ashes

So .... need to leave these 3 alone:

• Groceries & Fuel - still a month in arrears with these so want to leave it alone!
• Monthly savings - set amount & can't get the money so want to leave this one alone too!
• Emergency fund

Which leaves:

• Dog
• Cats
• Car
• House insurance
• Car insurance

I really need to set something up for the following .....

Landline line rental
Hair *
Clothes *
Dentist *
Presents *
Anything else (literally - hols, entertainment etc etc) *

* currently don't set money aside for these - although I do have them budgeted for in my SOA - so they come out of the "available spends" whenever I need to get them.

:eek::eek::eek:

HELP

Am I better having things like all the insurances together (car, house etc) or putting the car insurance with the other car stuff etc - but fuel would still need to stay separate as currently it's £0:rotfl:?

cleggie

rising_from_the_ashes wrote: »

Dog

• Cats
• Car
• House insurance
• Car insurance

I really need to set something up for the following .....

Landline line rental
Hair *
Clothes *
Dentist *
Presents *
Anything else (literally - hols, entertainment etc etc) *

* currently don't set money aside for these - although I do have them budgeted for in my SOA - so they come out of the "available spends" whenever I need to get them.

:eek::eek::eek:

HELP

Am I better having things like all the insurances together (car, house etc) or putting the car insurance with the other car stuff etc - but fuel would still need to stay separate as currently it's £0:rotfl:?

I would label the cat and dog ones as 'Pets' and combine into 1,
Then combine the car ins and house ins into 1.
Then have Entertainment and Clothes is 1
Dentist and Hair in another
A seperate one for the car (is this for MOTs/Tax etc?)

rising_from_the_ashes

cleggie wrote: »

I would label the cat and dog ones as 'Pets' and combine into 1,
Then combine the car ins and house ins into 1.
Then have Entertainment and Clothes is 1
Dentist and Hair in another
A seperate one for the car (is this for MOTs/Tax etc?)

Thanks Cleggie - funny how a quick steer in the right direction can make it seem a bit clearer

Have started to work on a really simple spreadsheet with different worksheets for each pot (nothing else done yet!:o)

Cats & Dog

These were combined as a "pets pot" & only got separated when I lost Ben.

I wanted to keep putting the monthly dog amount aside so I didn't get used to having the extra money each month (although a small bit is currently being used to get the house insurance pot to enough for May).

Really so it's not a shock when the new dog arrives - although goodness knows when that will be at the rate I'm going:( - as I may need to cover neutering / jabs etc.

Really no reason they couldn't be combined again & I should (praying here;)) surely be able to set up a simple spreadsheet to keep track of what belongs to the cats / dog! Surely!

Car

Yup - this covers service, MOT, tax, breakdown cover & repairs ...... don't think it should be too hard to add in the insurance too!

House insurance / landline advance line rental

House insurance already up & running (due May - after which the payments can drop a bit - PHEW!)

Again, should be able to keep track of the landline line rental in here too - only £12 / month.

So .... what's left .......

Clothes / Dentist / Hair

Combined budget for all 3 of these is £430 / year ..... again, surely I can manage to keep track of those together ...... problem with this one will be the same as the fuel & groceries as nothing is set aside & it will take a long time to "get in advance" IYKWIM

Presents & Anything else

Also seems logical (to me anyway:rotfl:) - but also have the problem of nothing set aside for these just now ..... yet another "get in advance" pot:(


Surely, I can manage to keep track of 2 or 3 things in one pot .....:o

Off to play around with the spreadsheet