Diary of a home owner wannabe (my 6 year journey)

Dobbibill

Hey PFTP,

Extra hour in the day, what a welcome relief, would like this to happen at least once a week if I'm honest haha

Loving the idea of different coloured crockery, it's a bright additional to the kitchen while still keeping an eye on the culprits who do not do dishes

Fingers crossed you can find a good bargain for your nuts - healthy little packets of nuts are really expensive, which is a shame as I think more people would opt for it as a healthy option if it wasn't so dear

wow 11 for dinner, that's going to be a busy dinner table, have a lovely afternoon visiting your Mum

DB

pennyforthepot

Dobbibill wrote: »

Hey PFTP,

Extra hour in the day, what a welcome relief, would like this to happen at least once a week if I'm honest haha

Loving the idea of different coloured crockery, it's a bright additional to the kitchen while still keeping an eye on the culprits who do not do dishes

Fingers crossed you can find a good bargain for your nuts - healthy little packets of nuts are really expensive, which is a shame as I think more people would opt for it as a healthy option if it wasn't so dear

wow 11 for dinner, that's going to be a busy dinner table, have a lovely afternoon visiting your Mum

DB

I'm totally with you on that extra weekly hour - just think what we could get done!

11 for dinner at my mums is her normal weekly number - with us it was 16 :eek: - and it's my step dad who gets to cook!

You're so right on the healthy options - I spent another £30 yesterday at Mr T - £6 for a large bag of prunes!

PFTP x

pennyforthepot

Yay - a day off for me , a day doing business accounts for me

Had a great time at my mum's as we always do - fun and laughter are always on the agenda. It was good to be able to go as a family now we have the new car - it's been such a long time since we all went up together.

Woke up to a bonus this morning when I checked my bank accounts - my second child benefit payment of the month went into my account - it only happens once a year but an extra £190 is always welcome

Popped down to Mr T yesterday for some bits and ended up with quite a few stocking fillers - I try to make them as useful and relevant to the person as I can so it can be quite tricky - they always have a chocolate orange though and as they are £1 in Mr T at the moment I bought 5 of them (just hope I don't scoff them all before xmas! Christmas socks and vitamins are also a must as well as hangover cures for the older ones, normallly some handwarmers and a cheap dvd.

Off for a bath before I start my accounts. I promised DD a trip to John Lewis this afternoon - if she is up to it and possibly a trip to the cinema if I can get her out of her room.

PFTP x

pennyforthepot

Big Mistake yesterday - went to John Lewis with DD - how can you not buy anything when you go there! We now have matching cutlery for our plates, the new blender that I had been thinking of buying, an espresso machine for DH for Christmas and a couple of other xmas pressies. DD also got some rather expensive moisturiser and make-up remover but at least she got some freebies to go with them! I shall be looking forward to them going back to school.

Worked for 3 different clients today and have picked up the book keeping work for my friend who runs the catering company - not sure quite when I will fit it in but I'm sure I will fit it in somewhere!

NSD for me today - found 20p too.

The other good news on the MS front is that I am going to be credited £170 from my old gas and electricity supplier - not bad going as I was over £400 in debt to them just over 6 months ago :money:

Need to post my monthly spend for October in a couple of days - its been a couple of months since I did and it's looking rather a hefty month - over £3000 I think (not including the car of course) :eek:

Must get on with the business accounts whilst DD is with the counselor

PFTP x

pennyforthepot

Will I never learn - never go shopping with DD :eek:

No further explanation required!

PFTP x

pennyforthepot

£472 saved last month - not impressive! I have adjusted my annual savings target for 2014 to reflect the £14,000 spent on purchasing the car (which my DH has already scraped in a car park :mad:) I am going to aim for £12,000 savings which will bring my target to £114,000 by the end of this year.

November is definitely going to be a tight month. I had a NSD yesterday to start the month off and used up two £5 coupons at Mr T for spending £80 in two shops. I'm hoping not to need to shop again for the next week apart from a couple of perishables.

Christmas shopping has got off to a flying start. Both DD and DH are done (as well as DD's birthday), some stocking fillers and probably half of DS's. I won't have a great deal of time to do it as we are away for a few weekends over the next two months so I must keep on top of things.

I spent most of the day yesterday finishing off the company accounts which I am happy to say I am now back on top of :j and up to date.I do need to finish off the filing and update the VAT and invoices file but I am soooo glad that is out the way. Finished off the day at a friend's Halloween party - amazing what you can do with an old can of black hairspray, eyeliner and an old black dress

DH is cooking dinner today as I am so in need of a rest. I'm really looking forward to a good read this afternoon, and maybe a film.
I will post my monthly spend in the next post - not a pretty sight!

Enjoy

PFTP x

pennyforthepot

OCTOBER SPEND
£251.00 council tax
£148.00 mobile phones
£214.00 internet & landline
£69.00 gas
£70.00 electric
£44.00 water
£192.00 car loan
£15.00 charity
£444.00 food
£146.00 food carried over
£20.00 cleaning/toiletries
£90.00 fuel
£71.00 car maintenance
£504.00 kids
£338.00 entertainment
£240.00 house
£-00 holiday
£185.00 birthdays
£770.00 christmas
£-00 contingency
£62.00 miscellaneous
£93 house insurance

£3,966 TOTAL SPEND
I haven't highlighted lower and higher spends for the month compared to last as I didn't post one last month and basically everything is higher than August!

How can I possibly spend £4,000 in one month and that doesn't even include the rent :eek:

Here's hoping for a more frugal November!

Challenge for the month: GIVING UP ALL THINGS SWEET (excl fruit) :eek::eek::eek::eek:

PFTPx

pennyforthepot

Great start to the month financially - 4 NSDs to date.

Not great on the relationship side - marriage very nearly imploded as I lost it over the fact that no one does anything in this house and everything - I mean everything is left to me! Hoping to have resolved things after much shouting and many tears

I have stopped monitoring my daily gas and electric usage - life is too short and it causes to much tension - DH will just have to cough up if we go over budget.

I have been re-reading some of my minimalist blogs and as a result I have removed all social media and emails from my phone and ipad, I will also be reducing this diary to a weekly one. Catch you next week

Daily Food budget £13.27

PFTP x

katep23

Hi Penny, delurking to say I hope that things settle down for you. You come acriss as very strong and capable which can often be taken advantage of so hopefully this will help everyone see that you can't / shouldn't have to shoulder all the responsibility x

Dobbibill

sending your support and a group hug :grouphug:

hoping things will settle down for you at home

look forward to your update next week

DB