Wanderer returns

Penny2myName

The sun is shining (well not raining anyhow):rolleyes:
My son is behaving (just a shame he is off school ill today):cool:
I as mentioned earlier got my final bill from T-Mobile that is under £10 and checked my greasypalm account earlier to discover my outstanding £73.50 of cash back has finally been varified (just a 3 month wait). Today the other £34.40 cheque from GP cleared in my account. So I can complete a large section of my Christmas shopping by end of august.
Kids know they are only getting £50 each spent on them this year due to the amount being spent on them individually with the Whitby weekends away.:o

Penny2myName

No idea. For some real strange reason my child tax credit has gone into bank a day early, so started the shopping early. One thing I should make clear is I am veggie and normally you can substitiue veg pie in place of the meat item to my meal plans, the plans are more what I do the kids, with a slight alteration for me. Also this week is funny as DD goes to her dad's straight from school tomorrow ready for her horridly early departure school trip friday morning (1am) then both kids are at their dad's house till sunday evening. Thinking about it doing this meal plan till they break from school, as then I have to start considering lunches too.:eek:

£5.84 so far
Bread
15 eggs
pk 8 sausages
5kg potatoes
A chicken
instant curry sauce

Lets see I have a chicken to dissect, so
Roast chicken, roast potatoes, peas, carrots and swede with gravy Sunday Tea
Chicken Curry with golden Veg Rice Monday tea (have the rice in)
Toad in the hole with mashed potatoes and Beans (have batter mix in)Tuesday tea
Sausage egg and chips Wednesday tea
Re-heated beef casserole with some form of potatoes Thursday(making it today )
Baked potato with choice of filling Friday

This leaves tomorrows tea for son to be decided. I will do my usual Jacket potato + sweetcorn/cheese/beans filling (take ya pick) over the weekend for my tea and cheese/egg on toast dinners.

So still need to buy
Beans
Cheese
Sweetcorn
Veg pies (had last one yesterday)

Also need more milk and cereal for coming week.

Penny2myName

SOA July 18th- onwards

Income
Income Support £118.30
Child Tax Credit £163.66
GreasyPalm Cheque £34.40

Total £316.36

outgoings

Saving DD £12.00
Saving DS £12.00
Savings Sis £25.00
DD travel £2.50

Total £51.50

Debts owing/payments

DFS Dining £662.28/£22.10
DFS Sofa £2505.30/£83.51
Kev £390.00/£70.00


Total £175.61

Grand total £227.11

Leaving £89.25
Weekly Housekeeping budget £40.00
Leaving £9.25

Extras

Book club 1 £15.96 (older bro's christmas present)
La Redoute £25.25 (sneakers for DS and socks for DS + DD)
Total £41.21

Urm, this will be fun. Looks like the extra will be coming out of weekly budgets. still have £20 in bank from this weeks £30 budget but do need to get a few more things and was hoping to get a deep fat fryer.

Penny2myName

Incoming Account 1 House Bills
Child Benefit £120.80
Maintenance £100.00
Total £220.80

Electric £30.00
Gas £40.00
Phone +BB £25.00 ?
Tv Licence £21.95
Water £33.30
Insurance £18.58
Rent Arrears £20.00 3 months left

Sub Total £188.83
Debt Dell £ 13.26 6 payments to go

Total £202.09

Account 1 is now at a set income/outgoing, and what is left over will build up an emergency fund.

Incoming Account 2 Debts
Income Support £295.75 (5 week payment month)
Child Tax Credit £409.15 (S.A.A)
Total £704.90

LittleWoods £960.72/£141.00 10 payments to go (variying amounts)
DFS Dining £640.18/£22.10 29 payments to go
DFS Sofa £2421.79/£83.51 29 payments to go(I must have been nuts buying this)
Kev £320.00/£70.00 5 payments to go
Vanquis £ 192.07/£45.00 5 payments to go

Sub Total £4534.76/ 361.61

Remaining £343.29

Left to be transfered to:-
Account 3 House Keeping £200.00 @ £40.00pw
Savings 1 £12.00 Daughter
Savings 2 £12.00 Son
Savings 3 £35.00 Sister christmas/august holiday

sub Total £259.00

Total £84.29 Left for Holiday during last week of August.

Penny2myName

Well just set up the standing order for weekly budget account to start from next Thursday. This just leaves a set date to figure out for the holiday/sister christmas savings account to be figured out. Will wait till september to give that a set date as the amounts to Littlewoods takes a wonderful drastic fall. I will still pay extra on Littlewoods to get it paid off quicker, just not in September as I have school Uniforms and the rest a new term entitles.

Penny2myName

Think I am really getting into the swing of things now. Just called Talktalk and have reduced my phone + BB bundle from talk3 international at £20.50 down to the Talk2 international package for £16.36 a month, with luck this now means no phone bills over £20 a month.

Penny2myName

Well the summer holidays are truly upon me. I have almost survived the first week without being locked up.
Financial lessons are now taking on practical work as well as theory.
Meal plan for the coming week, drawn up by the kids, who were sent to check what was needed for shopping list.
Lunch everyday - packed lunch style
Sandwich (ham/cheese/egg mayo)
chocolate biscuit bar
Pk crisp
piece of fruit (apple or banana)
toffee yoghurt
and a snowball

Evening Meals
Thursday
Sausage, egg, beans and waffles
Friday
Lasanga and garlic bread
Saturday
Cheese on toast (kids at dads)
Sunday
chicken & veg pie, mash potatoes,carrots and sweetcorn and gravy
Monday
Fish fingers, chips and peas
Tuesday
Chicken Nuggets, roast potatoes, carrots, cauliflower and gravy
Wednesday
Jacket pototes with choice of fillings (sweetcorn/beans/cheese)

Shopping for this week.
Milk
Bread
sausage
eggs
beans
waffles
mince
white sauce
bol sauce
fish fingers
chicken nuggets
roast pots
carrots
caulilflower
sweetcorn
chicken and veg pies
garlic bread
egg mayo
ketchup
(sub total £14.55)
still to get
Spuds
yoghurt's
snowballs
sugar
blackcurrent

Cleaning
Toilet roll
stardrops
washing powder
dish clothes
dog food (tinned)

Penny2myName

Incoming Account 1 House Bills
Balance £ 56.54 1st
Transfer £ 21.00 2nd
Maintenance £100.00 2nd
Child Benefit £120.80 21st
Total £298.34

Electric £30.00
Gas £40.00
Phone +BB £20.00 ?
Tv Licence £21.95
Water £33.30
Insurance £18.58
Rent Arrears £20.00 3 months left

Sub Total £188.83
Debt Dell £ 13.26 6 payments to go

Total £197.09

Incoming Account 2 Debts
Balance £ 3.77
Income Support £295.75 (5 week payment month)
Child Tax Credit £409.15 (S.A.A)
Gas Refund Che £129.00
Total £837.67

LittleWoods £960.72/£149.64 10 payments to go (variying amounts)
DFS Dining £640.18/£22.10 29 payments to go
DFS Sofa £2421.79/£83.51 29 payments to go(I must have been nuts buying this)
Kev £320.00/£70.00 5 payments to go
Vanquis £ 193.87/£45.00 5 payments to go
La Redoute £25.25 1 payment (2nd august)
Sub Total £4561.81/ 395.50

Remaining £442.17 (this was my incorrect figure)

Left to be transfered to:-
Account 1 £21.00 I borrowed for day out on 31st July
Account 3 House Keeping £200.00 @ £40.00pw
Savings 1 £12.00 Daughter
Savings 2 £12.00 Son
Savings 3 £35.00 Sister christmas/august holiday

sub Total £259.00
Bristish Gas final Electric bill £56.53 (paid 1st August)

Total £105.64 Left for Holiday during last week of August.

Penny2myName

I need to relook at top bit, as them maths are jsut wrong to the eyes

Penny2myName

Once again I involved the kids in planning the meals. Only value stuff we are going to get this week is Garlic breads and batter mix.

Lunch everyday - packed lunch style
Sandwich (ham/cheese/egg mayo)
chocolate biscuit bar
Pk crisp
piece of fruit
toffee yoghurt
and a snowball

Thursday
Pie, Mash, corn on cob and peas

Friday
Pizza & chips

Saturday
?? on toast (they still fighting over what they want)

Sunday
Roast Chicken, Roast Potatoes, carrots, cabbage, cauliflower & gravy

Monday
Chicken Korma, rice and Nann Bread

Tuesday
Spag bol & garlic Bread

Wednesday
Toad in hole Mash and Gravy.


Shopping for this week then
Chicken
Cabbage
korma sauce
nann bread
sausages
batter mix
potatoes
mince
boul sauce
garlic bread
corn on cobs
peas
pepperoni pizza
four cheese pizza
chips
mince & onion pies
chick & veg pies
cauliflower cheese grills (for me instead of pie)
bread x2
cheese
beans
Margarine (last one to get my George voucher)
Milk
egg mayo
fruit
yoghurt
snowballs
Juice
coffee
Sugar

other shopping
Washing powder/capsules
Dog food tinned
toilet tissue