Finally reaching out for some help...

f1widow

:j:j How well you have done - very admirable well done x

Glad you got some money back in you were owed - you seem so organised - must get back on track myself next week and will take a bit from everyones diary I read

Hope you have a great stress free weekend x

debtfreewannabe321

Kerri- You make me hungry everytime i come on to your diary! :rotfl:

Ok I have some (probably dumb) questions....You know the spreadsheets you have done (& very kindly shared ) ummm how do i save them? Do I need a google account and once i have one will there be a save option? I have mine on something similar to excel so no idea how to use that one

Also I have read about the 2nd purse thing like 20 thousand times & I still don't really get it could you explain it to me in simpleton terms? Does it work, for example, if i put £20 to start in my 2nd purse, and when i see a bargain (under £20 i presume?) i buy it then stock pile it. And when i run out of that item i 'buy' it for shop price off myself (??? this is where i get confused) and put the money back into the 2nd purse, so i actually make profit for 2nd purse and therefore gaining more money to buy bargains? :o I've been too scared to ask before:rotfl: but it's doing :rotfl:my head in now and i have a huge cupboard full of stock piled stuff and after todays shop another shelf in another cupboard :rotfl:

dfw :cool:

kerri_dfw

f1widow wrote: »

:j:j How well you have done - very admirable well done x

Glad you got some money back in you were owed - you seem so organised - must get back on track myself next week and will take a bit from everyones diary I read

Hope you have a great stress free weekend x

Aw thank you f1 I'm fine with the organisation until I get paid, but then it goes a bit sideways so that's my next challenge.

debtfreewannabe321 wrote: »

Kerri- You make me hungry everytime i come on to your diary! :rotfl:

Ok I have some (probably dumb) questions....You know the spreadsheets you have done (& very kindly shared ) ummm how do i save them? Do I need a google account and once i have one will there be a save option? I have mine on something similar to excel so no idea how to use that one

Also I have read about the 2nd purse thing like 20 thousand times & I still don't really get it could you explain it to me in simpleton terms? Does it work, for example, if i put £20 to start in my 2nd purse, and when i see a bargain (under £20 i presume?) i buy it then stock pile it. And when i run out of that item i 'buy' it for shop price off myself (??? this is where i get confused) and put the money back into the 2nd purse, so i actually make profit for 2nd purse and therefore gaining more money to buy bargains? :o I've been too scared to ask before:rotfl: but it's doing :rotfl:my head in now and i have a huge cupboard full of stock piled stuff and after todays shop another shelf in another cupboard :rotfl:

dfw :cool:

Ok to save the spreadsheets go to file > download as > excel then you need to open that file and do a "save as" to save as your own document. I only learnt this recently.

2nd purse in simple terms using beans as example:

* put £10 in 2nd purse
* go to lido and buy 10 packs of beans @ 99p each (can be less packs but * get as many as you can afford/eat in a set amount of months, I'm doing 6-12mnths atm)
* record in spreadsheet
* find out current price of beans and record in spreadsheet on a weekly basis so you know what your shop should charge
* buy beans from shop at current shop price (64p)
* put 64p into 2nd purse (if you bought all the beans you would now have £25.60 in there making £5.60 profit)
* go out and buy when there's an offer

PinotGrigio41

I'm still lost with the purse thing !! Must concentrate harder ! xx

debtfreewannabe321

I finally understand it lol! And after working out my stockpile is worth over £200 i'm well chuffed already

beanielou

Got the purse thing now.
Tis an excellent idea.

hp48910

Hey, hope you've had a good weekend with OH :O)

kerri_dfw

Evening all, sorry been with OH all weekend and he decided to buy a ticket for the bus tomorrow so he could stay tonight :-) wasted my £7 but I like having him here.
Anyway, spendings eep.... Took dogs for a 2hr walk yesterday and stopped at mr w on the way back OH spent £30 so I gave him £10 for my cake ingredients, cola, nibbles.
Friends came over and we were running out of booze so I raided my terramundi and gave OH £10 to get me another bottle of amaretto. We didn't even drink it oops, but it's there for next time. He gave me back the £8 I gave him in addition to the £10 note.
Today we overslept, the dogs were starving and broke through the stair gate between the kitchen and lounge. They've gobbled the 5 remaining cupcakes :-( so fed them, realised the veg stew in the slow cooker is overcooked and ordered pizza oops! I paid as OH paid more for my amaretto than he took for it so I wanted us to be even. Besides thanks to my pots I have money squirrelled away for these occasions.

Pinot, 2nd purse is relatively simple if you think of it like a shop.
The shop has a float of money for buying stock (bulk buy).
When the shopkeeper (you) sees a good bargain they buy up the product.
When a customer (you) requires a product from your shop they pay the till the cost of that item. (I use current SM prices).
When the float has more than £100 in it then it gets taken to the cash office (3rd purse).
So you end up using more and more items from your shop and buying less in a weekly shop from the SM. over time you start to see the savings you're making from these offer as they build up in your 3rd purse. Before I wasn't recognising the saving because I'd just be spending it, so the 3rd purse makes it more real :-)

My stockpile, less the stuff in my cupboards, is worth about £92 :-)

Still impressed that I only spent £26.99 this weekend, that's a record for me.

Cherryjack

just caught up on yr diary , had to laugh at the dogs with the butter hehe :-) x doing fabby!

kerri_dfw

OH went home this morning. I managed to convince him to have an egg buttie for breakfast as I had everything in instead of buying a breakfast when he was at the coach station Plus they were organic eggs and really nice bread (Mr W reduced 12p rolls hehe). I've got a tin of beans for lunch again today, I seem to have more energy in the evenings when I have this as lunch so going to keep at it
Checked my b/a and as I didn't get an interest charge this month I've paid £6.94 to freemans to round them to a nice £460, I'm OCD on the numbers.
I'm a little bit worried about next month, I'll get 2 weeks pay from my current job but there's no knowing if I'll get paid by new job in Feb or whether I'll have to wait until March. I absolutely loathe the thought of having to go to bank of mum and dad for a crisis loan, but I would really like to pay off freemans in full this month. Bank of mum and dad is no interest, freemans is a high interest.... hopefully new job will pay me in Feb though, I seem to remember I was paid in August when I started on the 16th with them. Either way current job will pay the rent Will just have to get on with the fleabaying for the bills and food.

3 sleeps and I will be paying off Freemans and closing that account. Someone slap me if I don't as I want IT GONE!

Update: Just been through old bank statements online and seen that my new job paid me on the 29th August 2008 and I'd worked there since 16th August, so really hopeful that I will get paid in Feb However, it does appear I'm going to have to change my dates for some stuff as I will get paid on the last day of the month or the Friday before if that falls on a weekend. This might mess around with Wescott payments as I've been paying off my credit card then paying them with that, will have to call them tonight anyway to tell them I'm not paying them off over the next 3 months. Will let you all know how that goes, but they've accepted it before.

Ooh and I went in on the offer of a which? subscription for £1 to receive £15 JL vouchers, that'll help with keeping the grocery budget down this month

Gahhhhhhh I have less than a week to file my tax return online, right that's tonights task then! Will stick the tv on and watch last weeks holby followed by casualty whilst punching numbers into hmrc.