10 months in and 90 left to go ... the reality is starting to kick in :)

elantan

It is so painful isn't it? But we need it so they have us by the short and curlies

beanielou

They do sadly.

elantan

Know how mr el is a great cook ? Well he made a delicious lasagne, there is a downside to this however, as when he makes lasagne he makes to much so we had lasagne for dinner last night and tonight and tomorrow and even on Thursday. Sigh, and from memory pasta doesn't freeze well, so we're stuck to eating it 4 days in a row

:rotfl::rotfl::rotfl::rotfl::rotfl:

taxi73

at least you don't have to think about whats for tea

elantan

This is very true taxi, and it is lovely, but 4 nights in a row is gonna prove depressing I reckon

elantan

Just had a look at the bank accounts an noticed there is £70 extra there ... Which was exciting until I remembered January is a 5 week month and I need to find an extra weeks food, diesel and work money, and have to get hubby to his two nights out

Ach well the £70 is gonna help pay for something I spose

I think I'm also gonna try budgeting 4.5 weeks every month in pay day so that the 5 week months are covered and the other two weeks diesel and food money can be used for when we go camping etc

Now to try and remember this every month

rising_from_the_ashes

elantan wrote: »

What size is your house ? Cause £70 seems like a dream figure to me

3 bed semi .... rural Scotland

What's yours?

elantan wrote: »

I remembered January is a 5 week month and I need to find an extra weeks food, diesel and work money, and have to get hubby to his two nights out

Ach well the £70 is gonna help pay for something I spose

I think I'm also gonna try budgeting 4.5 weeks every month in pay day so that the 5 week months are covered and the other two weeks diesel and food money can be used for when we go camping etc

*sigh* - I hate this time of year.

We're paid early in December so Nov-Dec pay is only 3 weeks but we're then paid early in Jan too (otherwise Dec-Jan would be 6 weeks:eek:) which means that both Dec-Jan and Jan-Feb are going to be 5 weekers!:eek::eek:

Most of my paydays are 4+ weeks as paid last working day - it's the full 5 week ones that kill me ..... it'll be March before I'm sorted!:o

Thinking of either :

a) not touching Dec's early pay & transferring it to a savings account & moving back at normal pay time - bit worried about this in case I either forget (unlikely;)) or internet / online banking goes down (banking was off all weekend & internet plays up if weather's bad:() or
b) paying all the pots early when Dec's pay goes in & trying to put some emergency money somewhere

Ohhh what to do!

elantan

2 bed detatched central belt ( but at the edge of town) Scotland ( here we could be neighbours )

It is a quandary with the whole wage thing, I get paid at the end of November then middle of december then end of January so will have a 6 week ( or so ) month,

I think I'll be doing your plan b) as that one at least ensures the bills are paid

Will need to try and remember to budget for 4.5 weeks per month from now on though

elantan

So it's pay day today, wages in and wages out as usual,

Sadly there wasn't any money to make any debt repayments from my wages this month, but I have managed to put the money by for speakers club and £30 for hubby's Xmas night out

And the money I had to take for paying a bill from
The holiday account has been repayed

So I'm back on the hamster wheel till the middle of next month when hopefully I will be able to pay some more debt off

What's kinda concerning though is that this wage I had 22.5 hours overtime and yet I still didn't make enough to pay any off our debt

elantan

I'm filling out my I.L.A application just now and I am required to send three wage slips in, have been having a wee nosey at the wage slips in front of me, I did 25 hours overtime last month and 22.5 hours overtime this month, however I only earned £10 more last month, which would indicate that after tax and national insurance I earn £4 an hour ... That's very sobering