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Doing it backwards
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Oh oh, today has been our first day over our £20 cash budget since I started this diary- and it's the first day of the week! £35 total spends!
I took out £160 this morning to last 6 days plus 2 lots of £20 petrol. Still had £5 of last week's budget for wine! Today's spends went like this...
£2 parking for swimming lessons (persuaded hubby to park further away to save £1!)
£8 in Asd@ on groceries (mostly fruit and a bottle of wine!)
£3 in Sains on almond milk and cows milk and pears for baby
£6 worth of pick your own strawberries and raspberries (got loads and had great fun) - our day trip out
£2.30 for 12 eggs in the farm shop at PYO place
£2 @ldi for sugar and flour to make cakes with the fruit
£14 take away for our Saturday date night
Actually that's £37 so we must have found £2 along the way!
Oh well Saturdays are always the hardest and we enjoyed ourselves. We have eggs and bread for lunch tomorrow and will take strawberry muffins and strawberry tarts to my mums for tea, and we have a freezer full of berries now!
Moneysaving highlights... Got £3.30 change from paying in my slimming class money (unexpected) and a further 90p from Enviroclothes and spent £4.24 of this on 'Pig goes Pop' for my present box (@sda sale)
Also got an Amazon delivery of further present box items which were all highlighted on the Amazon bargains thread on here -sorted for the next few months of parties and my niece's birthday
Won a Peter Kay DVD for 99p on eBay for dads birthday in November (will buy something to go with it!)
Hoping to keep tomorrow under £10, working job 2 first thing whilst hubby takes kids to a free cafe church, the using our NT membership to go to a local house and grounds
Hope we can claw back within our budget by the end of tomorrow!
Outnumbered xxSaving to pay off AA loan £4,553/£10,000
AA joint loan £13,132 - £11,900 redemption figure
Virgin £9,591; Virgin £4,111; Barclaycard £629; Nationwide £4,180; Nationwide £1,300; Tesco £6000 -
Just popping on to report a NSD for today! Very rare in this household but the church event this morning was free, then this afternoon we used our NT memberships to go to a local house/park, and took a bottle of squash and a packet of rich tea with us! Kids didn't complain and we had a great day.
My e bay sales have totalled £54 in the last 2 days too all for about 8 items I thought had little/no worth (6 year old dresses and a used swimming costume??)
Got an email last night from bt telling us we were near our wifi limit (due to our free love film trial!) so we have upgraded to infinity which we were thinking of doing anyway, its £2 extra a month and £30 installation, but we get a £50 Sainsburys voucher for the switch :0)
5 days to go til payday and apart from the cash I took out yesterday we have £0 left in each account, so we'd better behave ourselves!
Outnumbered xxSaving to pay off AA loan £4,553/£10,000
AA joint loan £13,132 - £11,900 redemption figure
Virgin £9,591; Virgin £4,111; Barclaycard £629; Nationwide £4,180; Nationwide £1,300; Tesco £6000 -
Hi Outnumbered... well done on the NSD!! :money:
I struggle to do NSD's because there's always something we forget to get with the shopping, or the car desperately needs petrol, or the kids need money for something!!
Congrats on the ebay sales too, £54 is great for bits and pieces you didn't think would sell!! It always seems to be the things you don't think are going to make anything that turn out to do quite well.
Keep up the good work, and I'm sure you will make it to payday with the cash you have taken out already.
Mrs S x1st Jan 2014 £20,600 / 1st Jan 2015 £15,572.90**Feeling Hopeful that 2015 will be our Debt Free Year**0 -
Thanks Mrs S, NSDS are rare here too as we shop day by day to avoid wastage, plus I'm rubbish at planning!
I have another item selling on eBay too, a teddy my Nana won in Raffle and gave me years ago, its selling for £3.20 already with 1.5days to go... It's really ugly but supposedly a collectible!
Thanks for your support
Outnumbered xSaving to pay off AA loan £4,553/£10,000
AA joint loan £13,132 - £11,900 redemption figure
Virgin £9,591; Virgin £4,111; Barclaycard £629; Nationwide £4,180; Nationwide £1,300; Tesco £6000 -
Outnumbered2:4 wrote: »It's really ugly but supposedly a collectible!
That did make me laugh!! :rotfl:1st Jan 2014 £20,600 / 1st Jan 2015 £15,572.90**Feeling Hopeful that 2015 will be our Debt Free Year**0 -
Money seems like a struggle this week :0( Payday cannot come soon enough! We've had another overspend today of £1 due to bl00dy library fines, 54p on each twin's account!
Food spends today were £8 for lunch and tea which I'm pretty pleased with, in fact £3 of this was on 10 cans of Coke so its pretty impressive for 2 tasty meals. Then we spent £1 on deodorant and £1 on a smoke alarm battery both pretty essential!
It's a good friends 30th on Saturday and she's currently in Australia, another friend and I already paid for a Champagne breakfast for her a few weeks ago but wanted to send something for the day. Looking online chocs were too expensive to order so thought I'd buy here and post them over... £2 for 2 share bags of Cadburys in Asd@ (she misses it) then it cost £7.55 to post!!! So that was the other tenner gone (I'll get half back from a friend here)
I've been wondering today what the impact of our moneysaving is on the kids, I think we're lucky in that the eldest 2 are 5 so they don't really ask for much yet (or maybe they're just used to us being skint!) I do we wish could treat them more though with the odd ice cream/meal out - instead of picnics all the time! I'm glad we've had our lightbulb moment now so we will hopefully have more cash available when they're older and more aware.
I've done 2 extra slimming classes today and made £65 pre tax, a little more for the ISA come September payday.
Until this payday we need to keep our heads down and get back on budget!
Outnumbered xxSaving to pay off AA loan £4,553/£10,000
AA joint loan £13,132 - £11,900 redemption figure
Virgin £9,591; Virgin £4,111; Barclaycard £629; Nationwide £4,180; Nationwide £1,300; Tesco £6000 -
I didn't have the energy to post last night but we finished on £21 again, would have been spot on but I succumbed to a bottle of coke once the kids were in bed, not too worried though - I needed it and its cheaper than wine!
Just waiting for my mum to come round and take us all out for the day... Soft play and lunch, I'm hoping she's paying but I'll take my remaining £19 along just I case. Tea at hers tonight too as I'm off to work - she really is a godsend!
Bought mum and dad a lovely print for their ruby anniversary this Sunday which cost £25... Hubby paid for and collected this yesterday with this week's cash so the £19 we have is it until Friday, unless we get desperate and raid the eBay funds (£60 in our account and another £34 in paypal, I'll pay it into the ISA after the safety of payday!)
Hubby has had to contest a £70 parking fine today on my behalf, I was taking our baby to hospital and accidentally put our old registration into the parking ticket machine, its all automated so they think I didn't buy a ticket! I hope it gets sorted as that £70 would undo all my hard eBay work! Luckily I still had the ticket!
Fingers crossed for a MSE (possibly No spend) day!
XxxSaving to pay off AA loan £4,553/£10,000
AA joint loan £13,132 - £11,900 redemption figure
Virgin £9,591; Virgin £4,111; Barclaycard £629; Nationwide £4,180; Nationwide £1,300; Tesco £6000 -
Oh and p.s. Ugly Bear sold for £13.70!!Saving to pay off AA loan £4,553/£10,000
AA joint loan £13,132 - £11,900 redemption figure
Virgin £9,591; Virgin £4,111; Barclaycard £629; Nationwide £4,180; Nationwide £1,300; Tesco £6000 -
Hi Outnumbered!
Just read all your diary and will subscribe to cheer you along. Your budgeting and planning nice things for the kiddies really struck a chord with me, particularly the bit where you worried about the impact of money saving on the children. I had an enforced LBM when my hubby had an accident, and one of the biggest things was changing how I spent money on my boys.
Hope you have a good day with your Mum and :j to ugly teddy making you cash!
PLMBL XxDebts @ LBM £23,729.31. Debts @ 08/04/2016 £0 :j
Best win so far - holiday to Florida0 -
Hi outnumbered,
Just read all your thread, your doing great.
Ive just started a diary too trying to keep to the NSD's its actually harder than you think it will be isnt it!DF JourneyCredit Card 1 £2000 Credit Card 2 £1200 (interest free)Store Card 1 [STRIKE]£1400[/STRIKE] £1174.26 Store Card 2 [STRIKE]£240[/STRIKE] £0 :j Store Card 3 [STRIKE] £170[/STRIKE] £0 :j Catalogue 1 [STRIKE]£2081 [/STRIKE]£0 :j Catalogue 2 [STRIKE]£1334.49[/STRIKE] £609.91Overdraft 1 £300 (interest free) Overdraft 2 £2000 Overdraft 3 £2100Total [STRIKE]£12825[/STRIKE] £9384.200
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