Saving for a new Horse!

Piquant_2

You've been a busy bee BB! Far more than me I'm afraid!

Piq

Baldybear

Morning, another day, another not being paid enough

Lens money gone out of account, just need to get OH to check it has gone through ok. Car insurance also seems to have gone out but not showing yet so will check bank later.

Another £150 gone out to parents loan so another bit of debt hits the dust

CC3 which has only £791 on it, the credit limit has just been increased to £4,900, whilst this is not a good thing, we now have just over £4k spare on here so going to see if they will do a 0% balance transfer from either CC1 or CC2 as these are still charging interest.

Now have parents, CC4 and sofas all on 0% interest, so to add another one would be fab :j

Just realised this month is a council tax free month so have £170 in the joint account spare. Need £85 of this to pay a plumbers bill where we had burst pipes a few weeks ago but still leaves £85 in there as surplus, so this can go to cards. We have shed loads of food. We budget £100 a month for groceries and this will be plenty with a small trip to the butchers planned and a few bits of fresh fruit we should see some overpayments from here too.

In my current account have £30 for hairdresser but have this money already so dont need this so this will pay for my food for my theatre trip with sis at the end of the month, tickets already paid for.

Its my birthday next week, 34 :eek: and taking a few days of work to go see OH's mum, she is in Somerset/Dorset borders so planning a few days out with NT membership, need few pounds for meals but some will be covered and free accommodation so a cheap break, cant wait

Baldybear

Morning, nothing exciting at all happening, same old same old, no money in, no money out. Looks like lens and car insurance has gone through bank account but not showing offically yet so will double check tomorrow if not a call to make sure it is ok.

Few bids on ebay items, all bills as should be, eating out of store cupboards and freezer. So a really boring update but coming on here keeps me motivated

Piquant_2

Ahem....it may be boring young lady, but it does give you the chance to say hello to your friends....:D

Piq

Baldybear

Morning diary land Foggy first thing but the sun is shining, long let it carry on. Not that you would notice much in this office, the 2 men I work with always have their blinds shut, one of them you open a wee bit and he always shuts it, me and my other colleague think he is half vampire

Thank you so much Piq for your lovely comment yesterday

Today, well another day at work, must be more motivated, yesterday was not a good day!

Spends, well 50p on car park for blood test this morning, need to go to shop at lunchtime to procure 1 bread roll to go with soup for lunch and a tin of evaporated milk. Random list if there is ever one. Need the evap as got some brownish banans so mashed bananas, sugar and some evap for lunch today See my life doesnt get much more exciting than this :rotfl:

Piquant_2

I remember the ones who always have their blinds closed, annoying when you feel that you never see daylight, especially in the winter!

I like bananas, evaporated milk and sugar! I'll be round shortly...

Piq

Baldybear

sneaks in

Spent £15 in Waitrose 2 cans evap milk, 1 today, 1 tomorrow, 1 bread roll, 3 for 2 on bubble bath, 2 mags (with freebie moisturisers) and 2 packs of emergency chocolate.

sneaks out

The emergency chocolate is for my stash at work as dont seem to have any left and get worried if there isnt any My last 2 bars of chocolate went to my MD. He was starving, as always, and asked if I had anything, said I did, they were like twix's but sainsburys own brand. He said they taste great, just like a twix, so said good cos I cant afford real twixs, the look on his face was priceless :rotfl:

Baldybear

YAY its Friday and a peaceful day by myself in the office

21 NSD in February, either woohoo or oh dear as obviously not gone out much :cool:

Water bill in yesterday, no payments due this month so £37 that was budgeted sent to cards. Payments also dropping from around £37 to £31 so a £5 roughly spare each month so this can be allocated straight to the cards

£1 received from quidco so this sent to cards too

Car insurance finally gone through and few other bits so now have £598 left in current account but only £308 of spends to come out. This does include overdraft but really pleased with this should be able to make a few more overpayments to the cards as well as birthday weekend spends next week without going mad and still see debt reduction next month.

Also a council tax free month, but as I thought it was last month and ended up using that, then using savings so was going to replace the money back in the savings again, but I maybe better putting at the cards as the interest rates are so different so will work out better long term.

Baldybear

So Friday turned out to be a wee bit spendy

Went to M&S and spent £15 on a new jumper and then blew £93 in Tesco. So £15 out of my monthly spending and now only £7 left of grocery budget.

This was obliterated my spending £20 yesterday in the butchers, so £13 of money to be used for council tax already allocated :cool:

Also spent £35 yesterday on present for nephews 2nd birthday, but this not till April so just spent a month early.

No spending at all day, am not leaving the house so thats always a good thing

3 bids on 13 items on ebay, hoping for some more. Really should put a few more items on this afternoon. Nothing planned but really should blitz the house a bit even if its just being able to fight my way to my wardrobe without scrambling over boxes would be great

Piquant_2

Did you manage to stay in and spend nothing? I hope the ebay stuff sells well. I hate posting stuff on there, I can always find something/anything more important to do. I still haven't got around to contacting the vintage clothes shop about whether or not they buy. I must put it on my to-do list this week.

Piq