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Living for the Present...after all who doesn't love a gift!

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Comments

  • gargrave50
    gargrave50 Posts: 3,011 Forumite
    Hey DFW

    Love the smileys. Brilliant news on possibly having more in the bank than you thought :D.

    Bet that hasn't happened too often!:rotfl::rotfl:

    Lovely to hear you so happy, good luck with the shopping - fancy doing some for me?!;)
    LBM 30/6/9 Unsecured debts [STRIKE]£25,323.48[/STRIKE] £0 :T Debt free
    Left for life Down Under 4th August 2012 - living frugally and have learned my lessons :j:j:j:j
  • slm6002
    slm6002 Posts: 4,405 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Today is a good day :) Lovely to see you are having a good day too :)
    Me, DD1 19, DS 17, DD2 14, Debt Free 04/18, Single Mum since 11/19
    Debt £2547.60 / £2547.60
  • Thanks gargrave, granny & slm :D

    Well i got bored of the sun! And so decided to update spreadsheets etc, i have moved £20 over to panic fund from the main account as have everything i need food/petrol wise and have £17 in my purse so anything i need will come out of that now! I have updated the signature with the amount now in there (£103.XX) and i have also added food shopping up!!! WOWSERS! Waaaaaaaaaay over budget!!!

    For 3 months of the year i've come in on budget -one month was £208 :T !! And then this last month i spent £413 :'( and June i also over spent because i was away (and i've included fast food and take out in this budget!!) so most of the over spends are on take outs & fast food. It looks like the actual food spends haven't been that bad, so i really need to cut back when i go to mums/dads etc on wine/chineses etc! I am utterly shocked at how much i've spent :eek: On the upside even with this huge over spend on my budget i would normally have spent around £4200 before LBM...must look at the positives lol SO thus far i've spent 2844.61/3150 :rotfl::rotfl: unless we eat beans on toast for 6 months i can't see me making this under budget :eek:! I am thinking of upping the yearly budget now so will put total budget up too me thinks :rotfl:

    Right got the calculator out, if i can stick to £300 per month then I should come in under £4350 for the year! a huge increase on what i wanted but oh well i tried (and failed :rotfl:) frugality is not yet my middle name, damned you!

    Ok off to adjust the spreadsheet & sig on here :eek::cool:
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. Aug-£200.
    Total- £1362.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • slm6002
    slm6002 Posts: 4,405 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I still think you are doig really well with the grocery budget - we are still working on ours!
    Me, DD1 19, DS 17, DD2 14, Debt Free 04/18, Single Mum since 11/19
    Debt £2547.60 / £2547.60
  • hillside777
    hillside777 Posts: 357 Forumite
    Did someone mention sun? I haven't seen any sun and it's currently raining.

    I know what you mean about DS1 eating you out of house and home. My 15 year old son is exactly the same. He's always eating and we need some food already, even though we only had shopping delivered Saturday morning. :(

    Glad you had a 12 hour sleep. You must have needed it. :)
    June 16 Mortgage Amount £82,896.15
    Official mortgage end date August 2027 :(
    Current rate 2.59% until August 2020
  • abba1772
    abba1772 Posts: 7,746 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    whats Sun??? smiley-confused010.gif i haven't seen it in weeks lol
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
  • grannyx2
    grannyx2 Posts: 3,455 Forumite
    Ninth Anniversary 1,000 Posts Combo Breaker
    bonnington wrote: »
    Did someone mention sun? I haven't seen any sun and it's currently raining.
    abba1772 wrote: »
    whats Sun??? smiley-confused010.gif i haven't seen it in weeks lol

    Its a newspaper isn't it or a male child, certainly can't be anything else in July can it

    :cool:
    Targets
    Trip to Australia (On hold until 2022 now) to meet new grandson born jan 21!

    Lose 84lbs. Update (minus 65lbs mostly during lockdown as of 18.05.21)

    LBM : July 11 - £56,962
    DEBT FREE 21-05-21
    MORTGAGE FREE 13-06-18

    Loving my kitty cat

    https://forums.moneysavingexpert.com/discussion/3958715/return-to-solvency/p1
  • Haha sorry i forget i am the other side of the country to some of you! I had rain when you were all saying it was summy if that makes you feel better :p:rotfl:

    Well I got completely and utterly drunk last night :o now am feeling very rough!! :eek: I got 2 bottles of wine in my aldo shop which were meant to last a week, and both are gone :o lol I invited some friends round as it was so nice and thankfully they left around 10.30 as i would have carried on all night otherwise in my drunken stupor! So anyway kids slept in till 9am because they were in bed so late last night so am feeling ok really considering i drank most of the wine to myself :eek:
    DD's shoes came from ebay today and are great. No scuffs or anything -they were ones that had been out on display in a shop so i assumed some signs of wear to them, but they look fine to me :D so £11 for a nice new pair of start rite shoes :T
    I need to walk over to the dr's today as need to get my repeat prescription ordered. Will take the kids and dog for some exercise, it's a half hour walk at least so i hope they don't moan all the way there and back! :cool:
    Should be a nsd today as i don't need anything so will be up to 5 this month....just 5 more to squeeze in so i'm on target ;) It's pay day on Tuesday so one more week to go........
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. Aug-£200.
    Total- £1362.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • gargrave50
    gargrave50 Posts: 3,011 Forumite
    I joined you in drinking wine last night, and I'm guessing we feel equally rough. Although to be fair, my plans are eBay certainly not exercise ;).
    LBM 30/6/9 Unsecured debts [STRIKE]£25,323.48[/STRIKE] £0 :T Debt free
    Left for life Down Under 4th August 2012 - living frugally and have learned my lessons :j:j:j:j
  • meow5678
    meow5678 Posts: 150 Forumite
    Eighth Anniversary Combo Breaker
    If there was ever a night of the week when drinking is necessary, it's a Monday desismileys_4382.gif
    FTB
    :A Saving for my first deposit :A
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