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Diary of a spendy cow

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  • Munchin
    Munchin Posts: 2,816 Forumite
    Part of the Furniture 1,000 Posts Photogenic Debt-free and Proud!
    Hi Moomin,

    January is such a long month. I knew it would be because of early pay day in Dec so I shouldn't be surprised but I always am :)
  • mooomin
    mooomin Posts: 13,703 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Munchin wrote: »
    Hi Moomin,

    January is such a long month. I knew it would be because of early pay day in Dec so I shouldn't be surprised but I always am :)

    It hasn't been as painful as it could have been, but it's not been fun. On the bright side, February and March are the no council tax months, so that gives me some breathing room again :D
  • beanielou
    beanielou Posts: 95,629 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Yes, much looking forward to Feb & March.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • mooomin
    mooomin Posts: 13,703 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    :j:j PAYDAY!!! :j:j

    It's finally here :rotfl::rotfl:

    I've done all my budgeting, and things are looking good for the month. The new kitchen is going to get put in this month (eek!) so there will be spending for that, but that's coming from my savings.

    I'd share the figures, but it's all budgeted as February so I can't see it on the YNAB app - I'll need to do it when I get home!
  • beanielou
    beanielou Posts: 95,629 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Sounding good :)
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • mooomin
    mooomin Posts: 13,703 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    February! (How?!)

    Anyway, new month, new budget:

    Spending money: £89
    Food: £225
    Fuel: £90
    Clothes: £45
    Haircut: £45
    Entertainment: £54.50
    Car: £426.94

    Headlines from the above:

    Food is higher than normal because Mr Mooo made a donation to the food budget. This means I can't say no when he demands branded food :rotfl: Also, the kitchen refurbishment starts in three weeks :eek::eek: and we'll have no cooking facilities so will end up with takeaways I think.

    Fuel is higher than normal because last month I bought practically none. I'm leaving it high in case we go on a trip after the kitchen is done to destress :rotfl:

    Clothes and haircut are cumulative from last month. I'm getting my hair cut on Friday and am Very Excited about it.

    The car budget is all that's in my car account. I'm pretty sure it's insurance month so that'll be going soon...
  • beanielou
    beanielou Posts: 95,629 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Happy new hair on Friday :j :j
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Moo - have you ever had any groupon deals for decent haircuts in town?

    Mine really (really!) needs cut but I hate having it done :o so put it off as long as I can ...... I'm about there! :rotfl:

    Tried a local one last time which was OK but really need a good cut
    Grocery Challenge £211/£455 (01/01-31/03)
    2016 Sell: £125/£250
    £1,000 Emergency Fund Challenge #78 £3.96 / £1,000
    Vet Fund: £410.93 / £1,000
    Debt free & determined to stay that way!
  • mooomin
    mooomin Posts: 13,703 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    I've had mixed success with Groupon. Some have been great (and I've gone back more than once to pay full price) and others not so good.

    Aim for city centre, as those salons have a lot to lose by bad reviews, even if it's from Groupons.
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Moo - have you ever had any groupon deals for decent haircuts in town?

    Mine really (really!) needs cut but I hate having it done :o so put it off as long as I can ...... I'm about there! :rotfl:

    Tried a local one last time which was OK but really need a good cut
    mooomin wrote: »
    I've had mixed success with Groupon. Some have been great (and I've gone back more than once to pay full price) and others not so good.

    Aim for city centre, as those salons have a lot to lose by bad reviews, even if it's from Groupons.

    I got a Groupon (or might have been ITISON) for Little Miss Gap last year (sorry, not very helpful) at Saks in Jeffrey Street. They made a brilliant job of her hair (long - to the middle of her back), the voucher was about £18 I think. Wash, cut and blowdry. Also, my current hairdresser (own business) was trained there.
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
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