Pollyanna

ChopinonaBudget

I must must must must must remember to get today's students to sign a double-quantity timesheet next week, I completely forgot to get anybody to sign today :eek: Luckily it doesn't make a jot of difference financially unless I screw things up at the end of the month when timesheets get collated and go to Finance, but I musn't get into the habit of it!

ChopinonaBudget

On a more positive note, my new plan for taking out all the cash I need for the month and putting it into envelopes seems to be working well.
Any cash left over at the end of each week gets run back through the overdraft account - £32 so far this month, which is excellent! :j
New envelope tomorrow, I'll see how next fares on the cash front

ChopinonaBudget

Worked all day yesterday and ended up with an early night (knackered!). My one day off a week today (wahey!!!!!) I got all organised and took the chicken out of the freezer yesterday morning to roast for my daughter... I'll have to find something for me too (I'm vegetarian).... She'll eat the leftovers in sandwiches or a curry so a whole chicken for one isn't the waste that it sounds!
We have invited a friend over for dinner, he's got money problems too and having spent his entire winter budget on repairing/replacing his boiler, he's even more skint than me...
I've done some thinking about how to work the new account- I have an overdraft of £2700 with Barclays that I don't go to the limit with but that's my current buffer. So now with an overdraft of £1500 with nationwide, I think I'll withdraw any money from Barclays, leaving a negative balance of £1000, which gives me the original £2500 limit between the two banks, and then once the nationwide account has settled in I'll start paying off the Barclays o/d with view to closing it once and for all
I felt much happier once I'd worked this out as I'm terrified of going overdrawn at nationwide as my o/d is less and my income is so wild from month to month and is still fluctuating as my business has been expanding but is currently dropping a little due to a fair few students leaving for various personal reasons (theirs, not mine!)

Happy Sunday everybody.
I'm still in my dressing gown and jammies :T

ChopinonaBudget

Well I earned a reasonable amount today :T Then my daughter found herself a winter coat (at least, we're hoping it's winter, it looked it on the pictures) for £25 in the Fat Face sale so asked for that out of this month's clothing budget as she has no thick coat, having grown out the black Superdry I bought her a year ago
The good news is - the coat she is getting is an excellent price (nearly half price), looks gorgeous, and I bought it on the proviso that I can have her Superdry coat, which is WARRRRRRMMMMMMMMMMMMMMM!!!
I made some sales on the weekend's ebaying, so that was ok Need to post them off tomorrow.... Nothing sold as well as expected but I did make something so can't complain.

Toodles

ChopinonaBudget

Well this isn't going to help mw lose any weight....

I'm sitting here eating a box of EXTREMELY tasty chocolate truffles bought for me by a student''s parent to say thank you for extra help coming up to her daughter's exam
Yum!
:D:D:D:D:D:D:D:D:D

ChopinonaBudget

Oh, and dinner for two cost roughly 30p tonight. I'm impressed

Bubble and squeak made with yesterday's leftovers, and two cans of value range baked beans :T

ChopinonaBudget

Curiouser and curiouser.....

I just had a meeting with an accountant I bumped into last year... he reckons he can save me a load off my tax bill (2012-13) and can even save me cash off the one I've already paid (2011-12) :eek:
I'm now waiting for his official email proposal, but he's charging £100 per year more than my current one but reckons he can save me far more than that in my self assessment and NI returns.
I'll be very interested to see what happens with the return that's already gone through - his charge for doing that sort of work is 20% of saved tax, so if he fails at it and saves me nothing, I pay him nothing.
Nice bloke too.
Even if he did look like the walking dead as he is recovering from (and I quote) "man-flu" :eek:

Oh, and when I mentioned that I had financial difficulties so if he was out of my price range I would have to say no, his immediate response was to ask if I had contacted PayPlan for help.
And to check to see if as much of my debt as possible was on 0% deals.

Good lad! :beer:

ChopinonaBudget

11 days till payday :T
And this one will be my biggest yet - due to a massive timetable this year and extra teaching on Fridays too :T It nearly hits 4 figures!!!! (gross) (if I brought in this amount every month I'd be debt free by now, but sadly, nope, it's all dependant on how many relevant termtime days in a month.

pelirocco

ChopinonaBudget wrote: »

Curiouser and curiouser.....

I just had a meeting with an accountant I bumped into last year... he reckons he can save me a load off my tax bill (2012-13) and can even save me cash off the one I've already paid (2011-12) :eek:
I'm now waiting for his official email proposal, but he's charging £100 per year more than my current one but reckons he can save me far more than that in my self assessment and NI returns.
I'll be very interested to see what happens with the return that's already gone through - his charge for doing that sort of work is 20% of saved tax, so if he fails at it and saves me nothing, I pay him nothing.
Nice bloke too.
Even if he did look like the walking dead as he is recovering from (and I quote) "man-flu" :eek:

Oh, and when I mentioned that I had financial difficulties so if he was out of my price range I would have to say no, his immediate response was to ask if I had contacted PayPlan for help.
And to check to see if as much of my debt as possible was on 0% deals.

Good lad! :beer:

How on earth would he know if he could save you anything without seeing your accounts?

ChopinonaBudget

He did, I had my laptop out, and I went through the conversation I had had with my current accountant about what expenses she was placing against my earnings.
Of course, he doesn't have my full accounts yet, but he did spend some time looking at my business expenses, household bills, SE income, PAYE income, 2011 tax return, reciepts, net & gross profit forecast