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Living for the Present...after all who doesn't love a gift!
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Hey DFW
Love the smileys. Brilliant news on possibly having more in the bank than you thought.
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:j0 -
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 / £2547.600 -
Thanks gargrave, granny & slm
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 £413and 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
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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 / £2547.600 -
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 20200 -
NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.050
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bonnington wrote: »Did someone mention sun? I haven't seen any sun and it's currently raining.
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/p10 -
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
:rotfl:
Well I got completely and utterly drunk last nightnow 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
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 meso £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 targetIt'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
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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
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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:j0 -
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