I need to walk the dog!

ceebeeby

I do not have a dog! I am however wading around in a big dogs mess! Last year I got fed up of life on a leash, and that resulted in more debt, more weight, a return to smoking and the resultant demotivated me!
I need to feel the fresh air that only a bracing walk can bring, and I hope that the breeze can blow through this diary!

Welcome to my 2013 Diary!

1. Goals

Stop smoking ... Started stopping at midnight 01/01/13
Keep the budget up to date to avoid bankruptcy
Get rid of my miserable home life
Lose some weight

2. Monthly Budget Tracker


November 2013

Account Information

Bank 1 Joint Account Balance: £
Bank 2 Single Account Balance: £ (+81.20)

Outgoings:

Bank 1 Monthly Outgoings: £
Bank 2 Monthly Outgoings: £
Bank 2 Additional Expenses: £
Bank 2 total: £

Bank 1 Outgoings:

[STRIKE] C Tax 225
Mortgage 774.83
Build Ins 19.94
Historic Scotland 6.16
Electric 13.00
Contents 36.13
Gas 29.00[/STRIKE]
LOAN 2 Joint Loan 740.00
Sky 102.48
Pet Insurance 13.99
Int and Charges 20.00
Sky Protect 9.50
Home Care 32.34
Nat Trust 7.35

Total: £2166.62
Remaining: £925.66

Bank 2 Outgoings:

[STRIKE]Catalogue 90.22
RAC £10.92
TV Licence 12.12
LOAN 1 (single) 312.38
Credit Card S £117.33
Credit Card B £190.38
Credit Card T £218.38[/STRIKE]
Credit Card A 168.00
DD Car Insurance 67.29
Contract Phones 36.71
Life Ins 1 27.43
Life Ins 2 - 9.35
Int / Charge - 20.00

Total: circa. £1200.94
Remaining: £328.78

Estimated Additional Expenses Break Down:

FIXED CHARGES
Petrol (£50.00 per week @ 4 weeks) = £X remaining
Grocery Shopping (£50 / per week @ 4 weeks) = £X remaining
EXTRAS
Total remaining to pay out: £

3. Debt Tracker

Start of 2011 Total =£92,772.00
Start of 2012 Total = £88,143.01
Start of 2013 Total = £77,887.43

CC1 A - (interest 1.52% monthly / limit £6,700)
Outstanding Debt = £6,700
CC2 T - (interest 1.313% monthly / limit £8,400)
Outstanding Debt =£8,400
CC3 S - (interest / limit £3,400)
Outstanding Debt = £3,400
CC4 B - (interest 0% / limit £7,000)
Outstanding Debt = £7,000
Catalogue Account - (interest 0% / limit £8350)
Outstanding Debt = £441.50

Loan 1 updated 01/10/13 - Bank (interest = 14.9% / initial amount = £18,000 / buy-out amount 01/03/11 = £13,588.37)
Outstanding Debt =£8,434.26
Monthly Payments = £312.38
(27/96 months remaining updated 01/11/13)
Completion date of loan = 1st February 2016
Loan 2 updated 01/10/13 - 1st Plus (interest = 7.7% / initial amount = £62,000 / buy-out amount not known)
Outstanding Debt = £28,860
Monthly Payments = £740.00
(39/120 months remaining updated 01/11/13)
Completion date of loan = 1st February 2017

Overdraft 1 = £1,450
Overdraft 2 = £3,100

ceebeeby

Making the most of what's in the cupboards

Thursday 10th January - Mac Cheese or Soup and Sarnie
Friday 11th - Fishfingers, Chips and Beans!
Saturday 12th - Chicken pie, Chips and carrots / veggy meatballs
Sunday 13th - Mince and Haggis Pie, mash and peas
Monday 14th - Mini Pizza's and Chips
Tuesday 15th - Fish cakes and spicy thai rice
Wednesday 16th - Haggis, boiled potatos and veg
Thursday 17th - Pasta / Soup
Friday 18th - Special Dinner

Shopping List as a result fo the above!

Beans
Carrots
Potatos
Peas
Cereal
Milk
Bread
Butter
Sandwich Filling
Fruit
Yogurt
Veggy haggis

jwil

Good luck

ceebeeby

Phew, have finally done the start of the year accounts and it was as horrendous as I expected it to be!

Day 3 of no smoking is not going too badly, and I even managed an hours walk earlier to try and shift some of this over weightedness!

I have remembered that I haven't budgeted for DH's birthday and will need to sort that out somehow!

Will try and do the meal planner later also, given how little money there is for January, careful planning of all that is in the fridge will be needed!

Doodles1971

Well done on the no smoking think of the money you can use on other things. Meal planning def helps makes me feel better knowing what we will eat. Keep going you are doing great so far

ceebeeby

Another day of no smoking and a little bit of exercise done (an hours walk). Christmas decorations down but not yet in attic, can't find the tape to seal the box! £10 of essential shopping done, cat food, cat litter, bread, milk etc. got a couple of whoopsie bits of meat so that's some meals for pre payday week.

ceebeeby

Have completed 7 days of menus, considering I've only got £15 for food for the week, I should manage it. Although it doesn't look very healthy, the fruit bowl is full, and there is some in date veg around as we'll to bulk meals out. I can always top the fruit and veg up with whoopsie shops if necessary. The lunch bags will be fine too ... I can make some home made sausage rolls / sarnies / jelly pots / fruit and loads of sweet things around also still including about 30 bags of crisps!!!

ceebeeby

Managed a 10 mile walk today which felt good to be out and about. I have a new goal for the next 10 days which is no crisps, sweets, biscuits, cakes or puddings (other than yogurt). Today was day 1/10 and so far so good apart from the box of chocs sat next to me screeching my name (and thus about to be launched at the non-existent dog). Still no smoking, and this is day 5 if my calculations are correct, actually starting to feel healthier which is about time!!!

ceebeeby

Oh well, that didn't work very well, lets make that 0/10 for the no eating rubbish will we! And in the meantime I might as well finish this soddin' box of chocs!!!!

ceebeeby

Why do I not have the guts to say no! A fiver for a collection sheet at work for someone I don't really know that well!!! Must be mad!!

On the plus side, just to keep you updated - still no smoking, however, still no not stopping chocolate eating!!!!!

ceebeeby

That's another half a box of chocs down, only another blinkin' 3 boxes to go!!! Over budget on the food shopping too by about a fiver. But all for fresh fruit n veg so don't want to tell kids to cut down on that and eat the chocs (to save me the trouble)!!!! Still no fags (but could've quite happily had one earlier .... But over it now!)