The land of the eternal stripey list returns.

Pippilongstocking

Hey :A chaps
Long time no see.:j

I know I've been neglectful of my finances (and MSE) since starting work last year. And, to be honest its cathching up on me. I've not a clue where my money is going.:eek:

So here I go again, new diary, new focus.



Will pop in some blethers here to update on the old family status and the focus of new beginnings coming up soon.

Hoping you lot will keep me on the straight and narrow.
:A

When I started on here many moons ago I was about £35k in debt. Now I've just got the pesky student loan (£14K), a car loan (5%) 2870/4950 left to pay, and penguin chops (0%) £1320/£2745 and I live in and out of a couple of £1k overdrafts.

I've £750 on one CC mainly work expenses and just need to check the other but its not as low as I thought it was.

Total debts are in the region of 6945 + 14000 student loan = £20945, hmm plus £3800 on a card which shouldn't be that high. Argh we're just under £23k some folks never learn

Really need to get those smaller debts paid as hope to leave here with only the student loan lurking in the background.

Still having paid off over £14k since being on here, whilst its not as much as some, as a wee wumman not earning much, its made me quite chuffed.

Pippilongstocking

Ok so the old finance a roonies.

Working self employed - baseline is generally £1400 but dropping potentially to £600 at the end of June due to a change in my main self employed place. But not sure yet. Bit of a worry.

One child at University who needs a bit of financial support

One teenager at home (16 going on 30)

Two pesky hounds

One very part time partner who lives 300 miles away at the moment but I'm moving down there and we're hoping to buy a house together in 14 months when the teenager is ready to leave school.......so I'll be moving to a new area, I won't be working initially so I need to fathom a 'make hay whilst the sun shines' plan whilst I'm working up here to give myself a cushion before I go.

Will do an SOA in a bit.

starnac

Yay pippi I missed you. So glad you're back and things are going well. 14 months will fly by before you know it. In the mean time I'll get the kettle on x

tootallulah

Hurrah, you are back. I hope that you are fully recovered and raring to go. Two hounds?

Pippilongstocking

starnac wrote: »

Yay pippi I missed you. So glad you're back and things are going well. 14 months will fly by before you know it. In the mean time I'll get the kettle on x

Waves

Dolls out the smart price/value/everyday biscuits.

When did food get so expensive?

My old stripey shopping and reduced food bargains no longer work. I saw bread reduced today to £1.20 :eek: where have all the 10p bargains gone?

Pippilongstocking

tootallulah wrote: »

Hurrah, you are back. I hope that you are fully recovered and raring to go. Two hounds?

How about feeble but with hopeful intentions

Oh um yes we now have two hounds and visitation rights to chooks.

Hound photos here

Health warning very cute cairns on wild beaches.......:D

Pippilongstocking

So I did the budget thing and I came out £47 overspend each month.

Must review that, I know it's not much but it's an overspend which means I'm not saving.

Sinc working, if I'm honest the grocery bills have expanded somewhat. Years of not much spends I guess we've gone a bit crackers buying full price stuff, little meal planning and hardly any bargains.

Must review this.

Meal plan over th weekend must be done. I hate meal planning, but it works.

Pippilongstocking

Lists for the weekend.

Take lunch to work tomorrow
Take hounds and walk on way home (combine petrol) two miles, by the loch nice walk did t n way to feed chums cat too.
Make a tea plan before I leave, less likely to go to shops
Hang up hokey cokey to air dry
Check banks and cc's
Book ferry for trip south next week (check how to claim back travel expenses of conference)
Book train from oh to Edinburgh for conference
Meal plan for week including when I'm away and dd is home
Skype with boy child at uni to save a call
Declutter another box of stuff
Do work expenses from march ( tardy with this)
Write three gardening invoices (tardy again)
Scavenge for more free wood for the wood burner
[COLOR="rgb(244, 164, 96)"]Empty more of Darwin (campervan) to get him ready for garage[/COLOR]
Research tyre prices as one needs changed - might do on mainland
Remake spare bed from visitors now dry
Begin to pack suitcase
Email humanist celebrant regarding wedding to met up when away for a chat
[COLOR="rgb(244, 164, 96)"]Email chum to meet up when away
Hoover upstairs, downstairs done today[/COLOR]
Plant cucumbers/courgettes
Pot up tomatoes and chillis on wondowsill
Fill in paperwork for a oil account for the heating
Spends some time with dd.

Working all weekend, only 4 hours on Sunday, so would hope to get crossing that list off gradually over the weekend.

Have a good one, will pop on when I can :-)

Sun_Addict

What a long long list Pippi!! Aah- just looked at doggy pictures -so cute!! I have Jack Russell 1 year old - also very cute!! Good luck with budgeting and stuff.

Pippilongstocking

Hey lovely to see you sun addict, I do like my lists :-) my sis has a jack Russell, it's very silly and bonkers!

First one crossed off!

teapot2

Happy new diary - good luck with your lists and meal planning. Look forward to lots of blethering