A Thread for After Debt?

backinbusiness

SOT2011 wrote: »

Delurks sheepishly

:j Woohoo congratulations JG and family & welcome Eliza :j

Sheepishly returns to lurking though hoping to join in properly on the thread soon!

Go for it SOT2011 - you are more than welcome!!

AlyBaly

Originally Posted by JulieGeorgiana
Baby Roo did indeed arrive last night

Her name is Eliza Georgiana, born at 1.21am after a 1hr 35min labour. She weighs 8lb 8oz and is beautiful

Well done and a big CONGRATULATIONS to all the family x I love her name xx

rising_from_the_ashes

Morning everyone .... had a bit of spreadsheetitis last night.

Still tweaking budgets and trying to work out how to "fix" them.

Some are easy as figures are known for the year (eg car, boiler & pet insurance as they've just renewed, car tax, breakdown cover, tv licence etc) but struggling to set a definitive figure for some of the others.

I've allowed a slight increase on most utilities / household bills - but now wondering if these are enough ..... although I want to be as frugal as poss, I also don't want to set unrealistic targets that, if I fail to stick to, will make me feel like a failure!

Any suggestions?

LealeaV

CONGRATULATIONS JG AND FAMILY!

Aww that is lovely news! Long awaited Roo is finally here! Knowing you, she probably came out with a excel spreadsheet in one hand and a meal planner in another!

Hugs and best wishes Lealea x

QueenB.

:j:jCONGRATULATIONS :j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j

How exciting, a new life and the start of a new adventure for you all. A beautiful name for a much awaited lil princess. Bright and beautiful blessing for you, Eliza and your whole family.

QueenB.

rising_from_the_ashes wrote: »

Morning everyone .... had a bit of spreadsheetitis last night.

Still tweaking budgets and trying to work out how to "fix" them.

Some are easy as figures are known for the year (eg car, boiler & pet insurance as they've just renewed, car tax, breakdown cover, tv licence etc) but struggling to set a definitive figure for some of the others.

I've allowed a slight increase on most utilities / household bills - but now wondering if these are enough ..... although I want to be as frugal as poss, I also don't want to set unrealistic targets that, if I fail to stick to, will make me feel like a failure!

Any suggestions?

I have done exacly the same thing, what I have done is look at my own personal averages and the national % rise and then create my own figure i thought would be realistic. For example I have added an extra £100 to my present car insurance cost taking into account that most renewal quotes have risen over the last few months (and how much i would be willing to pay). Hopefully I have overestimated:D If you are worried about unrealistic targets maybe just add a small extra increase such as £10/£20 and if worse happens then have your emergency pot to cover. I hope this all makes sense as its saturday morning and I had an exhausting Friday so not quite awake yet:rotfl:

I wish I had thought about the lottery ticket idea, did anyone win anything?

Little_bit_dizzy

LealeaV wrote: »

Long awaited Roo is finally here! Knowing you, she probably came out with a excel spreadsheet in one hand and a meal planner in another!

QueenB. wrote: »

I wish I had thought about the lottery ticket idea, did anyone win anything?

Sadly, Friday 13th was not lucky for me on the lottery front. Hope others had more luck!


I had such a wierd dream. My car broke down, so I found a hotel to stay at, I then suddenly I had a baby with me that could count from 3 to 14 (but 1 and 2 were never mentioned and it always stopped at 14), and then an old boyfriend appeared.

I have no idea any of that means but I'm sure an analyst would have a field day... such a good job this site has a level of anonymity to it

rising_from_the_ashes

QueenB. wrote: »

I have done exacly the same thing, what I have done is look at my own personal averages and the national % rise and then create my own figure i thought would be realistic. For example I have added an extra £100 to my present car insurance cost taking into account that most renewal quotes have risen over the last few months (and how much i would be willing to pay). Hopefully I have overestimated:D

That's what I did last night & it's added around £500 to my annual expenditure:eek: but I have added quite a bit extra to my "anything else" budget - there are a couple of big (for me) spends needed this year in the form of a garden shed (approx £150) and butterfly table & chairs (aiming/budgeted for £150 but could be £200) and wanted to have these budgeted for.

Both essential from MS point of view in that I'll be able to grow more veg etc if I've somewhere to store planters etc over the winter .... and I've nowhere for my sewing machine atm (free*cycled the old kitchen table & chairs to make room for a donated kitchen dresser which was badly needed for storage).

Little_bit_dizzy wrote: »

I had such a wierd dream. My car broke down, so I found a hotel to stay at, I then suddenly I had a baby with me that could count from 3 to 14 (but 1 and 2 were never mentioned and it always stopped at 14), and then an old boyfriend appeared.

I have no idea any of that means but I'm sure an analyst would have a field day... such a good job this site has a level of anonymity to it

mmmmm strange Dizzy as I had a horrific dream last night - really, really horrible. Woke up in the middle of the night & just couldn't get back to sleep as was so freaked out - I've put it down to something I watched on TV last night as it had some similarities ...... it just unfortunately happened to people I know in my dream:(

Little_bit_dizzy

rising_from_the_ashes wrote: »

had a bit of spreadsheetitis last night.

If this isn't a real word in the Oxford English Dictionary, it should be

rising_from_the_ashes wrote: »

mmmmm strange Dizzy as I had a horrific dream last night - really, really horrible. Woke up in the middle of the night & just couldn't get back to sleep as was so freaked out - I've put it down to something I watched on TV last night as it had some similarities ...... it just unfortunately happened to people I know in my dream:(

Oh dear rising, that doesn't sound good at all. The imagination can be a colourful and vivid creature, I hope you're feeling a little better now.

rising_from_the_ashes

Little_bit_dizzy wrote: »

If this isn't a real word in the Oxford English Dictionary, it should be

:rotfl:Totally agree! More tweaking this morning but feeling a bit more happy now!:D

Little_bit_dizzy wrote: »

Oh dear rising, that doesn't sound good at all. The imagination can be a colourful and vivid creature, I hope you're feeling a little better now.

OKish but still a bit freaked tbh ..... having a lazy day:)