Paps Penny's

postingalwaysposting

Many thanks to you both, I think the worse thing I did was hide but when you see no light at the end of the tunnel, not even a glimmer of hope its always easier.

Payed today and have £200, now I usually put asside a percentage to my bills and car insurance but I will have to see what happens with the car today. I am hoping it will be approx £70 but with collection it maybe more.

Monday (I mentioned above) is now cancelled, I will be staying in. Instead I am going out today I have gift vouchers for two shops and then I want to buy a diary so I will ask Mum if she could buy me that as my b/day gift. If not it will be £2 ish :rotfl:

I shall report back later! Have a great Friday all :j

brummiebabe

Hey PAP - good to see you back & posting! Sorry you're not having a great time at the moment.....keep at it though, things will get better!!

Oh & Happy Birthday for Monday!!!! Hope you have a good day - it's my 40th too:eek:

postingalwaysposting

Many thanks Brummie And a happy 40th birthday to you too. Birthday this year for me are over rated :rotfl: Going to spend the day at home, maybe take the dog on a huge long walk and then I have planned to cook dinner.

So garage bill came to £54.66 :j I have kept one voucher (Next) but spent the one in Lush. I found a diary but was £9.49 :eek: all the <£5 were too small so Mum paid half and I paid half. However I payed it all on my card so £5 has gone into home (money box) savings. Also a full tank of petrol was £27.83. That leaves £108.57 and will be left in my account until next Friday

Can honestly say when out shopping today I didn't even want anything and I found it hard to spend the full voucher in Lush. Maybe this year is the year of frugal Pap :rotfl:

Take care all :cool2:

beanielou

Had a spare diary I could have sent you but you have bought one.
Think our nearest Lush is in Edinburgh.

postingalwaysposting

beanielou wrote: »

Had a spare diary I could have sent you but you have bought one.
Think our nearest Lush is in Edinburgh.

Doh, thanks for thinking of me though Beanie This is the one I got, I love it as you have a whole page per day and they are plain pages as opposed to rulled. I want to fill it with a lot of different stuff not a 'normal' diary so this will work well.

Ohh thats far away. I like Lush but it is expensive. However a bar of there soap can last me 3months+ where as smart price only lasts about a month. I managed to get the last bottle of christmas shower gel and a bath bomb with my £5 voucher. I have enough toiletries except shampoo and pads (need to order these online soon) to last till at least May

However one negative today, when my car went wrong it seems to have messed up my car radio I am hoping lil brother can fix it.

:cool2:

postingalwaysposting

More posts, see once I come back you can't shut me up. So I have been reading countless posts/diarys on here and some blogs too and I want to take this frugal Pap seriously. So I am going to follow along on the 2013 frugal living challenge on the DFD's board.

Now they have a £4k budget to live on but this year I am just going to stick with the same outgoings as last year minus all the junk. So adding up my bills this is my 'frugal' budget for the year:

Rent = £2,080
Petrol = £1,800
Internet = £445.20
House & Pet insurance = £397.20
Car insurance = £1,700
Car breakdown = £107.04
Car tax = £148
Car mot/repairs = £500
Mobile = £60
Clothes/Shoes = £100
Toiletries/hair cuts = £40
Pets = £20
Gifts = £70
Medication = £30
Shoeboxes = £100 + £27 shipping costs
Charity = £120.00

Debt repayments = £1217.37 + interest

= £8,961.81

So working that alongside my projected yearly wage (I started earning from my new job early March) I should have approx £3k remaining to be saved :T Once I have completed this year my aim is to get this lowered each year. I can already see savings (internet, charity, car insurance) some of which I may see about this year. Can't believe I spend just as much on fuel as I do on rent, thank heavens I get a small proportion back from work.

Let the changes begin, I hope to post each day if not every other day, sorry if I bore you!

:cool2:

beanielou

Have you got the car back then?

beanielou

You could cut down the shoe boxes a wee bit?
Love the diary
Meant to also say might you be better paying a prepayment thingy for your prescriptions?

beanielou

So out of 9k there is only £200 that is just soley for you?
That's not very much is it?

postingalwaysposting

beanielou wrote: »

Have you got the car back then?

Yes :j And becasue of reasons out of my control I have only 'lost' two calls over the weekend (I planned with work not having access to my car) so £6.xx rather than three calls at £9.xx.

beanielou wrote: »

You could cut down the shoe boxes a wee bit?
Love the diary
Meant to also say might you be better paying a prepayment thingy for your prescriptions?

Shoe boxes are a no go really. I want to do six normal ones and three RL ones this year. I am hoping to get it down if I shop around and buy stuff in sales (back to school/halloween/closing down) but I spent about £60 for six this year.

My medication is only £3 every two months however I have added my sanatiary wear in that too. Thats approx £15 every 4-6 months but they have a sale on just now so next friday if I have enough I could buy all I need for the year for £20ish.

beanielou wrote: »

So out of 9k there is only £200 that is just soley for you?
That's not very much is it?

The things that a 'mine' are internet, mobile, clothes/shoes, toiletries, pets and medication. To be fair however I would prefer to get a chunk in savings that maybe used to purchase a newer car. Also I don't want to be living payday - payday as I have been doing this year so I want a buffer.

After some searching I have found an internet providor that's £10 a month :T I don't know if I can switch yet or if that includes line rental. There is a £25 instalation charge but still thats over £300 saved. So thats something to sort/look into in the coming week. If I can switch that will be a huge saving

:cool2: