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Enjoying the Sunshine whilst Saving for the Rainy Day
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Not a NSd today, DH needed more things for the patio meaning another £20 spend and £30 on petrol (I told him to put this in for me as it will save me going out of my way tomorrow to do it) i've checked banks and spreadsheets for the budget and I have around £95 tops a week for food which should be doable. We will see!
The neighbours have made their shed into the dog's kennel as i said above but dog is still pacing the garden bored. I heard her bark earlier. I was so shocked as i've never heard her before :eek: I thought for a minute it was another dog that had somehow got into my garden :eek:.
I still need to do a meal planand a shopping list which I might leave until tomorrow morning now as i'm so tired. I've cleaned the house, done a few washes and finally got a major boring job out of the way :T I went through the paper mountain and threw away all the old bills from this house and my rental one :T it was very nice to get it all out of the drawers where I had stuffed it
Mortgage Overpayments 2024/25 - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. A-£200, S- £221.34. O-£200EF- £642.41/500
Total- £1783.67
Goal pay off 1% of current mortgage in 1 year. £1650
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OMG words fail me regarding the dog and as for the RSPCA :mad:.
Hope your well, take care. pwps.x.0 -
Good Morning all,
Thanks for popping by Penny, I agree with you :mad: to the rspca. Considering our name wasn't even mentioned though i'm even more :mad: with the neighbour for banging on the door whilst we had the kids in the front room listening to everything he said :mad: especially when he kept changing the subject from the dog to my DS2 and the scissor incident again. Apparently we're lucky they didn't call the social services on us because of our lack of parenting skills :rotfl:. seriously :rotfl:. Get a life. :eek:
This morning i've filled out the electoral roll to have DH added again (he was somehow taken off? ) Hoping this will help in our bid to raise credit score. I've sent him off to work with Vanqui$'s number and the reference numbers to call them from there to see what the crack is with the marks on our credit reports. Hoping it's just that they are slow (incompetent) and that we're not in for a fight with them over this. I think that will also help our credit score. I'm going to call if I need to once he's come back and told me what is happening with his. If the answer is that they've not yet got round to it I might just leave mine for a while. It costs too much to keep calling them.
I've paid the school snack money in for the kids (all budgeted for) and given ds1 the money for a school trip that needed paying (NOT budgeted for :eek::eek::eek::eek: I forgot about this one! So took the money out of a budget for another school trip I was saving for :wall: This is what happens when your son is in the gifted and talented for every subject they are invited on all sorts of lovely trips as a reward.....at MY expense :mad:)
I've done 2 washes, hoovered downstairs, mopped kitchen and put the bread on. I lurve my new hoover it is so easy to use compared to the old heavy one!
I've ordered some borax substitute & soap from amazon from grocery budget and some boot shapers for my new boots, I paid for this from my pocket money budget. Not a NSD again but all stuff I need.
Will have a little catch up with you all now whilst i'm waiting for the kitchen floor to dryMortgage Overpayments 2024/25 - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. A-£200, S- £221.34. O-£200EF- £642.41/500
Total- £1783.67
Goal pay off 1% of current mortgage in 1 year. £1650
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Wow DFW what an industrious day you have had, made me feel tired just reading it :T.
Looks like you are doing well and what a fab Ds you have to get all these opportunities to go on trips.
xxx0 -
Just had a read through of your whole diary there (it's been a slow day
). I love seeing how people's circumstances change over time.
In regards to the dog, my lovely (and loved) dog will whine to go outside all day, then go outside and sit and look sad (but still refuses to come in!) She'll do this even in the pouring rain. She's a strange thing! I imagine it's perhaps different for your neighbour, but I dread to think what our neighbours think of us haha!Save0 -
StressedSteph wrote: »Wow DFW what an industrious day you have had, made me feel tired just reading it :T.
Looks like you are doing well and what a fab Ds you have to get all these opportunities to go on trips.
xxx
Ah it wasn't a lot really, it was interspersed with come dine with me in between the jobs. I know i'm very proud of my DS :happyhear even though he hates me being proud of him and says 'whatever' when I say WELL DONE to any good work :j. I just hope it continues as now he's out of boarding school it seems it's not cool in his new school to be very clever as well as play rugby. He's thinking he can only do one or the other :wall: just need to guide him through this last year and a half and hopefully he will continue as he's done thus far..........however i'm all too aware of how well I did up until I discovered boys at around the same age he is now :eek: (and so the panic ensues from now on in :rotfl:)
madhatter90 wrote: »Just had a read through of your whole diary there (it's been a slow day). I love seeing how people's circumstances change over time.
In regards to the dog, my lovely (and loved) dog will whine to go outside all day, then go outside and sit and look sad (but still refuses to come in!) She'll do this even in the pouring rain. She's a strange thing! I imagine it's perhaps different for your neighbour, but I dread to think what our neighbours think of us haha!Mortgage Overpayments 2024/25 - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. A-£200, S- £221.34. O-£200EF- £642.41/500
Total- £1783.67
Goal pay off 1% of current mortgage in 1 year. £1650
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Morning!
Well i've been stood up this morning by a friend so thought i'd do the banking, spreadsheets and pop on here before heading out to the shops. Friend's hubby ran off with another woman right before xmas and I think it's finally hit her after the initial "let's go mad and go out every night" stage passed. I will let her be and I'm sure coming here and possibly bumping into my DH is probably not high on her list of things to do (her hubby works with mine).
I've managed to reach my target this month on the savings :T. I've just transferred the tax credits straight into the ISA. I don't think we'll be entitled to it at such a high(ish) rate after april so i'm just transferring it straight out for now so as to get used to not having it. I've budgeted £90 for food this week, although really hoping I can come in under budget. I have 6 growing kids though and it's so hard. Every single one of them has been eating like there is no tomorrow since Christmas break finished! I'm wondering if it's just because they were all allowed to over eat over Xmas and have got used to it :think: perhaps I should just let them be hungry for a few days (i.e 3 meals and small snacks, rather than breakfast, snack, packed lunch, snack, dinner, pudding, snack, another snack before bed :wall: ) Their snacks are generally fruit & salady bits but those things are just as expensive as crisps (in fact more so I think!):o
Right anyway I'll update my signature before I forget and then go shopping. Will update spends later as i'm determined to keep on top of my spend diaryMortgage Overpayments 2024/25 - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. A-£200, S- £221.34. O-£200EF- £642.41/500
Total- £1783.67
Goal pay off 1% of current mortgage in 1 year. £1650
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Oh and I forgot to add, i've booked myself a massage :T i've been aching since this cold weather started- especially my neck. It's next week and only £15 at the local college (thought about going to someone already qualified and thought i'd save my money
) can't wait for it now
finally something to look forward to!
Mortgage Overpayments 2024/25 - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. A-£200, S- £221.34. O-£200EF- £642.41/500
Total- £1783.67
Goal pay off 1% of current mortgage in 1 year. £1650
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back from the farm shop & other shops. I thought I would try Waitr0se on the way back from the farm shop as it was the nearest and would save me on petrol (not much but thought I would try it as every little may help) well I was wandering around with my trolley and shopping list (all fresh bought already ) and I was like this the whole way round --> :eek: :eek: I am obviously not a snob as I found everything in there uber expensive and I bought what I knew was the same price as A1di (thought I would try their version) and also bought yoghurts in there as a1di doesn't sell the organic ones I like. Anyway I had a teeny trolley around 1/5 full and it came to £30 :eek:. I think I shall stick to a1di and te$co from now on:rotfl::rotfl::o. So anyway after that fiasco I still had things to buy so trundled off to a1di to get the rest! I ended up spending £0.65 over my budget I had set
. How typical! To be fair though that was probably because 100 tea lights found their way into my trolley as well as a chocolate bar
:rotfl:. It would have probably come in £5 under budget if I hadn't picked those up
.
It's all added to my spreadsheet and I now have £170 left for the last 12 days of the month if I can make this lot bought today last until next Monday/Tuesday:T
DH is off out tonight on a spur of the moment thing with work friends. He's decided to join the sports team to [STRIKE]wangle out of work whenever he can[/STRIKE] further his career development and they're all going out tonight to n@ndos. I'm jealous. I love n@ndos! He told them he was broke though and one of them offered to pay :T I would feel too proud to accept someone else paying for me but DH doesn't care if free food and beer is involved :doh::think:Mortgage Overpayments 2024/25 - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. A-£200, S- £221.34. O-£200EF- £642.41/500
Total- £1783.67
Goal pay off 1% of current mortgage in 1 year. £1650
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Wow you did well reading all my rants and raves (perhaps I should have a name like yours :rotfl:) Hope you'll pop by again :T Do you have a diary on here as well?:)
I tried, but I couldn't motivate myself enough. I prefer lurking - as you can see from my low post count but long forum membership! :rotfl:Save0
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