Ecoelle's MFW Diary

ecoelle

Well Hello to all of you lovely MSEers i'm a bit under the weather, went to bed last night going hot and cold and woke up at 6.30 with a stinker of a cough and cold. Hopefully it won't last too long now. I'm looking at meal planning today. Got to go and get a bit of shopping later, but must stick to about £20 in total as we are really skint this week. Just checked the bank and there is £31 in there with my phone DD to still go eeek! so thinking if I can make as manymeals as possible with what we've already got in the house then it should help.

Leek and potato soup - already in the freezer
Curry night - curry and daal and indian snacks in the freezer, just need to buy rice (and resist naan bread )
Kids Tea - got baked beans, peas, chips, veggie fingers for me and little one and fish portion for OH already so nothing to buy there.

Off to search cupboards for what else I have and don't have to get.x x

ecoelle

Well, vegetable and lentil stew is simmering away in the slow cooker, made with veggies and some potatoes from last weeks shop. Went to the shops with a list and only spent £17. I'm hoping, as hubby is on lates all next week that me and little one can manage with what we have in the house now. The only thing I might need to get is some bread later in the week. So

Friday - Stew
Saturday- Kids Tea
Sunday - Curry night
Monday - Leek and Potato soup with pasta
Tuesday - Veggie noodle stir fry
Wednesday - Jacket potato with cheese/beans and salad
Thursday - Whatever's left

Have a good week all and depending on time i'll be popping back on with updates x

Mrs_E_3

I need to do a shop like this this week to get us through to the 20th

greent

Nice to see you back on here xx

ecoelle

Hello guys, well the slow cooker stew was officially awesome! Loved it, am definitely going to make it again. Had curry night early as we were in need of spice to warm us up after a long walk, so think it's kids tea tonight then we'll be back on track. I'm so pleased we have managed to stick to the budget this week. Need to keep on track now and do this every week nit just every so often. Right, off to hunt out my budget recipes x

ecoelle

Hi Mrs_E, when you say you need to do a shop like this I presume you mean 'cheap', if so then I find it easiest to stick to things I can make up and then freeze in portions. Or, check out what Aldi have in their super6 and and plan your meals around them.

https://www.aldi.co.uk/en/product-range/fresh-bakery/this-weeks-latest-meat-offers/

if you eat meat

and if not

https://www.aldi.co.uk/en/product-range/fresh-bakery/this-weeks-latest-super-6-fruit-veg-offers/

Mrs_E_3

ecoelle wrote: »

Hi Mrs_E, when you say you need to do a shop like this I presume you mean 'cheap', if so then I find it easiest to stick to things I can make up and then freeze in portions. Or, check out what Aldi have in their super6 and and plan your meals around them.

https://www.aldi.co.uk/en/product-range/fresh-bakery/this-weeks-latest-meat-offers/

if you eat meat

and if not

https://www.aldi.co.uk/en/product-range/fresh-bakery/this-weeks-latest-super-6-fruit-veg-offers/

Yep I meant cheap lol. Ended up doing a £60 shop at L!dl but we got plenty of fresh veg and meat, so it'll take us past payday, so I've borrowed from next month's budget and will replace instead. Not quite the idea but.....

ecoelle

Ha, Ha, naughty naughty borrowing! Love it, I had to borrow from my 'haircuts' pot to buy food this month...oh well

I've got two things to list on ebay tonight, if they both sell then should make about £40, which is good as it would pay for next weeks food....or be £40 towards my much wanted tumble dryer.

I'm trying to sell off some bits from an old business, thinking if I can list 2-3 things a week and make £20-40 that would be great. Going to start the listings tonight to be 5 days and finish about 9pm Sunday as this seems to be a good time for mum's buying, as the products are beauty related I figure this is prime time x

Muser1

Enjoying your diary. Nice to read about someone in a similar sort of house and wages.

Hope you get your hours sorted. Employers are so short sighted with working mums.

Muser x

ecoelle

Thought it might be time to remove my head from the sand...

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 2
Number of children in household......... 1
Number of cars owned.................... 1

Monthly Income Details
Monthly income after tax................ 704
Partners monthly income after tax....... 1050
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1754

Monthly Expense Details
Mortgage................................ 620
Secured/HP loan repayments.............. 150
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 95
Electricity............................. 25
Gas..................................... 65
Oil..................................... 0
Water rates............................. 31
Telephone (land line)................... 12
Mobile phone............................ 40
TV Licence.............................. 15
Satellite/Cable TV...................... 12
Internet Services....................... 12
Groceries etc. ......................... 175
Clothing................................ 20
Petrol/diesel........................... 50
Road tax................................ 15
Car Insurance........................... 30
Car maintenance (including MOT)......... 30
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 20
Pet insurance/vet bills................. 32
Buildings insurance..................... 24
Contents insurance...................... 0
Life assurance ......................... 60
Other insurance......................... 20
Presents (birthday, christmas etc)...... 20
Haircuts................................ 10
Entertainment........................... 20
Holiday................................. 30
Emergency fund.......................... 0
ISA Savings............................. 100
Lottery................................. 20
Mortgage Insurance...................... 63
Total monthly expenses.................. 1816


Assets
Cash.................................... 200
House value (Gross)..................... 135000
Shares and bonds........................ 4000
Car(s).................................. 3500
Other assets............................ 0
Total Assets............................ 142700


Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 95000....(720)......3.99
Hire Purchase (HP) debt ...... 1500.....(150)......0
Total secured & HP debts...... 96500.....-.........-

Unsecured Debts
Description....................Debt......Monthly...APR
Total unsecured debts..........0.........0.........-


Monthly Budget Summary
Total monthly income.................... 1,754
Expenses (including HP & secured debts). 1,816
Available for debt repayments........... -62
Monthly UNsecured debt repayments....... 0
Amount short for making debt repayments. -62

Personal Balance Sheet Summary
Total assets (things you own)........... 142,700
Total HP & Secured debt................. -96,500
Total Unsecured debt.................... -0
Net Assets.............................. 46,200

Created using the SOA calculator at www.stoozing.com.
Reproduced on Moneysavingexpert with permission, using Firefox browser.