BNPL Downfall diary

Penny2myName

Ok a quick update on my april SOA

Mobile £25.00ish till july £38.38 high but £20 odd down on last month's.
Leaving £132.42 for weekend away with son, £100 B+B still to be paid. Yay I got £294 paid into my bank account by the Halifax, hehe I won. Well partially won but considering the timing it means son can have a decent break.

I know many would suggest i use these reclaimed charges on rent arrears and dell to get them paid off, but to me, seeing my son happy is worth more.

Still after sticking to my £2 a day shopping though.

Penny2myName

Thursday 12th April

Bangers and mash
4x smartprice thick pork Sausages 24p
Piper potatoes (mashed) 58p
1 tin smartprice beans 17p

3 smartprice crumpets 8p

Jacket Potatoes

3 x potatoes (4x packet at 50p) 37p
1 tin of smart price sweetcorn 17p
100g cheese 38p

£1.99

Friday 13th April

3x Smart price crumpets 8p
4x smartprice noodles 32p (what do kids see in these)

Egg on toast
5 x slices asda dansih white 10p
5 eggs 35p

Cheese on Toast
2 x slices asda dansih white 4p
100g cheese 38p

£1.27

ohhh 73p left over believe me when my sore throat improves there wont be...lol.
Cant believe i have managed to refrain from ordering a pizza considering my reclaimed charges are now in bank.:rotfl:

chevalier

Not wishing to rock the boat but isn't £100 maintenance for 3 children a bit on the low side?
chev

Penny2myName

£100 is paid for first 2 children.Their father also has two other children to care for. He is a good father and when he became a dad again, csa tried to triple his payments to me!!! I called them and said he may as well sell the house and live in a box now then. My children stay very regularly at their father's home with their half brothers. At 21 he made the bad mistake of taking a 100% mortgage out so pays a large percentage of his wage on the mortgage. I believe in playing fair and always have done. Until I started getting child tax credits my income support was reduced by the maintenance that is paid to me. since maintenance is disregarded by CTC the family is now seeing some benefit from it, whilst for the first 8 years we never saw benefit from it.
As to my third child(who has a different father), since he actually lives at my mum's (he wants to be an only child and being youngest of 3 and hates his elder syblings) no maintenance is seen for him.

saffronflowers

Chev _ I only get £110 for two!!!!, though their dad lives the life of Riley with holidays motorbikes and a £30.000 pa job!! There is no point fighting it for the simple reason, you can take a horse to water and but you cant make it drink!!

SFx

Penny2myName

Saturday 14th April

Baked Potato

3 x potatoes (4x packet at 50p) 37p
200g cheese 75p
blob of utterly butterly (25g)

Well I have just come back from spending £19 in asda, most of it on Indian and pizza.
I was doing so well too, two weeks roughly. But think me and kids are sick of the same bland food all teh time and need something with FLAVOUR, also bought stuff for a Sunday dinner style meal for tomorrow

tea

4 cheese thin crust pizza £1
garlic chicken thin crust pizza £1
Garlic bargettes no idea mother left them in freezer and i forget to buy some.

£3.12:o

Penny2myName

Update, no idea what our meals have costs for last few days. Had an essay to get in, so that was more urgent. well almost used the last of the Indian and pizza shopping spree up.
Anyhow kids are back at school so its just my self for lunch now.

Today Thursday 19th April

Baked potatoes

250g king Edwards £0.07 (0.71 whoopsie for 2.5k)
80g Biscuit barrel cheese £0.40

Beef Casserole (tea)

500g of Beef (reduced whoopsie) £0.75 (2.98)
Casserole veg mix (reduced) £0.49 (1.48)
Casserole Mix (already in cupboard collecting dust)
800g king Edwards (mash) £0.23

£1.94

Penny2myName

ok, i did manage most of April being a tight penny pincher. Sorry i didn't keep my dairy up to date, but with essays due, holiday to get packed and sorted plus my mother moved into her own flat, so was playing at removal's with an Asda trolley (now there was cheap moving for your £1 returnable for the use of trolley).
In total had little time for the internet.
So lets see what does May have instore for me. Well i almost maxed my CC out I got for safety spends whilst away with son. Hoping to get atleast 75% paid back if not the full amount this month.

To Help keep myself focused, I am posting myself a gentle reminder of income and outgoings.

April SOA May SOA
Income
Income Support £229.80 £236.60
Child Tax Credit £293.80 £314.76
Child Benefit £116.60 £120.80
Maintenance £100.00 £100.00 (chancellor didn't rise this...lol)

Total £740.20 £772.16

outgoings
Electric (not know yet) £30.00
Gas £40.00 £40.00
Phone +BB £38.04 £19.32
Tv Licence £21.95 £21.95
Water £33.30 £33.30
Water Arrs £15.68

---

Saving DD £12.00 £12.00
Mobile £38.38 £25.00 (trying for)
pc cover £6.99 £ 6.99
DD travel £4.95 £10.00
Shopping £60.00 (personal challenge) £80.00

Total £257.91 £278.56


Debts
LittleWoods £141.00
Dell £13.26
DFS Dining £22.10
DFS Sofa £83.51
Rent Arrears £20.00
Kev £70.00
Vanquis CC £48.11 (statement balance and minimum i will pay)

Total £349.87 £397.98

GrandTotal £607.78 £676.54

£ 95.62 credit left

Penny2myName

Well I have just accepted my first assignment, not as spectacular a pay out as first one offered, but couldn't do that one due to being miles short of requirements. When DD and DS's dad comes for them tomorrow, will have to discuss it with him to find out how I go about declaring it to Income Support and also double check how much I am entitled to earn a week without penalty (ah the joys of having a jsa advisor for an ex)

Penny2myName

Well I am once again trying to keep an eye on how much I use for gas and electric, so far electric wise since swappig over to a standard meter i have used just under 9 units a day, my gas i dont fully understand, as i am not sure what i am actually reading but since the 13th nov it reads 01139(725) the numbers in the bracket are in a red box whilst the others are in a black box.