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We are about to pull the purse strings soooo tight!
Comments
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EE, we definitely could do with building up the EF. Think I should pay everybody the same as they are getting now except bcard who will just get their token payment of £1.
Still need to speak to Stepchange. Feel kind of sad to do it on my own too. Stepchange were there when I needed them most, it's just the inflexibility to deal with bcard that's made me go alone.
On the money front, yesterday got petrol £30 in one car, £20 in the other. Paid works lottery, gave DS2 pocket money, called into @sda spent £39 but that did include cat food and shorts for DS3.
Logged onto Stepchange, May's payment will take us into the 14's.:)
Think this will be an ideal time to rethink the budget. As DS hasn't got a sponsor, we have been paying £200-£250 per month towards his living expenses etc. We need to think about his flight back as well. The longer we leave it the more expensive it will get.
Had chippy tea tonight as a treat, just 2 portion of chips to share and a piece of bread and butter.
Tomorrow we have one of the kids sports presentations. Max spend £20.
Xx
P.s. OH still on board.......had a busy week so haven't had time to sit down and update spending diary/budget. He said we'll do it in the morning.;)DMP with CCCS started Jan12 £34,906 Jan13 £31,893 Jan14 £26,836 Jan15 £21,894 Jan16 £16,839 Jan17 £14,415 Jan19 £12,938ish Jan19 £9,649 Jan20 £6612 Feb 21 0 Self managed from Jan'17
Jan 18- Bcard1 £0,Bcard2(PRA) £0,C@ptl £0,Ybank,£0,Virgin/MBNA £0,YB1 £0,S@ntader £0,Bcard loan £0,
DFD - [STRIKE]Jan 2027[/STRIKE] [STRIKE]Nov 2018 [/STRIKE][STRIKE]Jan 2019[/STRIKE] - DFD 28 Feb 20210 -
Meter readings done, we are £18 in credit. We have used £24 over 2 weeks.
One load of washing pegged out.:)
Not a cloud in the sky.:D
XxDMP with CCCS started Jan12 £34,906 Jan13 £31,893 Jan14 £26,836 Jan15 £21,894 Jan16 £16,839 Jan17 £14,415 Jan19 £12,938ish Jan19 £9,649 Jan20 £6612 Feb 21 0 Self managed from Jan'17
Jan 18- Bcard1 £0,Bcard2(PRA) £0,C@ptl £0,Ybank,£0,Virgin/MBNA £0,YB1 £0,S@ntader £0,Bcard loan £0,
DFD - [STRIKE]Jan 2027[/STRIKE] [STRIKE]Nov 2018 [/STRIKE][STRIKE]Jan 2019[/STRIKE] - DFD 28 Feb 20210 -
Feeling very on edge tonight. Bcard have called the house phone and my mobile. I answered the house phone....as I didn't know who it was, but then recognised the number when they called mobile so didn't answer.
When I answered the house phone I told them all correspondence must be in writing then cut them off.
On the money front, had 2 NSDs so now up to 6. Tomorrow will have to get petrol and some food bits.
I've got a hair appointment booked on Saturday, not really very MSE but......
XxDMP with CCCS started Jan12 £34,906 Jan13 £31,893 Jan14 £26,836 Jan15 £21,894 Jan16 £16,839 Jan17 £14,415 Jan19 £12,938ish Jan19 £9,649 Jan20 £6612 Feb 21 0 Self managed from Jan'17
Jan 18- Bcard1 £0,Bcard2(PRA) £0,C@ptl £0,Ybank,£0,Virgin/MBNA £0,YB1 £0,S@ntader £0,Bcard loan £0,
DFD - [STRIKE]Jan 2027[/STRIKE] [STRIKE]Nov 2018 [/STRIKE][STRIKE]Jan 2019[/STRIKE] - DFD 28 Feb 20210 -
Got petrol today, £20. Also spent £26 on food bits.
I've started to get the account numbers/sort codes together. Still need to speak to Stepchange.
XxDMP with CCCS started Jan12 £34,906 Jan13 £31,893 Jan14 £26,836 Jan15 £21,894 Jan16 £16,839 Jan17 £14,415 Jan19 £12,938ish Jan19 £9,649 Jan20 £6612 Feb 21 0 Self managed from Jan'17
Jan 18- Bcard1 £0,Bcard2(PRA) £0,C@ptl £0,Ybank,£0,Virgin/MBNA £0,YB1 £0,S@ntader £0,Bcard loan £0,
DFD - [STRIKE]Jan 2027[/STRIKE] [STRIKE]Nov 2018 [/STRIKE][STRIKE]Jan 2019[/STRIKE] - DFD 28 Feb 20210 -
Problem with council tax, I'd cancelled the DD in error.....long story. Have paid it online today.
Will need to speak to them about either setting up the DD again (if we can), setting up standing order or I just pay it 'manually' on the date it's due every month....not sure if I can do that.
I was near a l1dl today, called in and picked up a few bit. Didn't have a list but checked the receipt and I've saved a few pounds. Fridge and cupboard looking good.:)
XxDMP with CCCS started Jan12 £34,906 Jan13 £31,893 Jan14 £26,836 Jan15 £21,894 Jan16 £16,839 Jan17 £14,415 Jan19 £12,938ish Jan19 £9,649 Jan20 £6612 Feb 21 0 Self managed from Jan'17
Jan 18- Bcard1 £0,Bcard2(PRA) £0,C@ptl £0,Ybank,£0,Virgin/MBNA £0,YB1 £0,S@ntader £0,Bcard loan £0,
DFD - [STRIKE]Jan 2027[/STRIKE] [STRIKE]Nov 2018 [/STRIKE][STRIKE]Jan 2019[/STRIKE] - DFD 28 Feb 20210 -
Keep on plodding alice...glad your fridge and cupboards are looking healthy..I think the German shops are good for lots of things...if you can use them, then do. Think you will find you generally save a few quidMFiT-T4 Member No. 96 - 2022 is my MF goal
Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T0 -
Thanks brizzle, I have a 'thing' about the cupboards/fridge being full. Not quite sure why, we could not shop for a month and we would not starve.
Yesterday we went to the sports club, spent £8. Still only on 6 NSDs.
Today I'm off to the hairdressers, can't wait for that hour of me time. This afternoon kids are at a sports event. Think we have to pay to get in or car parking. Will take snacks and drinks with us. Looks like we're going to get wet.......just as I've had my hair done too.:o
Got an absolute mountain of washing. Not looking forward to having it hanging around the house tho.
I will be sending letters out re going self managed this week, and contacting Stepchange. I logged onto Stepchange and we are in the 14s.:D
XxDMP with CCCS started Jan12 £34,906 Jan13 £31,893 Jan14 £26,836 Jan15 £21,894 Jan16 £16,839 Jan17 £14,415 Jan19 £12,938ish Jan19 £9,649 Jan20 £6612 Feb 21 0 Self managed from Jan'17
Jan 18- Bcard1 £0,Bcard2(PRA) £0,C@ptl £0,Ybank,£0,Virgin/MBNA £0,YB1 £0,S@ntader £0,Bcard loan £0,
DFD - [STRIKE]Jan 2027[/STRIKE] [STRIKE]Nov 2018 [/STRIKE][STRIKE]Jan 2019[/STRIKE] - DFD 28 Feb 20210 -
Go for it..we're all cheering you on
:grouphug:
MFiT-T4 Member No. 96 - 2022 is my MF goal
Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T0 -
Alice_in_Poorland wrote: »I will be sending letters out re going self managed this week, and contacting Stepchange. I logged onto Stepchange and we are in the 14s.:D
Xxto getting in the £14's
You are doing great Alice and going self-managed deserves 2
Give us a shout if you need some help.0 -
Those are amazing emojis!!!
Completely seconded, EE!MFiT-T4 Member No. 96 - 2022 is my MF goal
Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T0
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