Time to wake up and smell the free work provided coffee...

Ianise

Result!

It is the fault that we had hoped so Vauxhall are fixing it!

Ianise

This month is fast turning in to a shocker.

Had the good news about the car not costing anything and then the alternator went as well

So that + lack of savings = us on target to go overdrawn this month. We do have a freezer full of food however and Xmas lunch is taken care of already, so that is a small saving grace....

Also we get paid a week early so we may avoid the charge form the bank, then obviously live out of the freezer, a good 2 weeks food in there to be honest and that should take us up to our usual pay day....

Even with my spreadsheet budgeting us down to the last pound I seem to have an issue here.... Our outgoings are definitely less than the incoming, by quite a way so I think it is time to leave the wallet and cards at home every day unless I know I am definitely going shopping for food form work.

LannieDuck

Have you worked out where the extra money's going (in which case it may be time to post a revised SOA), or is the overspend still a mystery?

Verbatim

Good thinking! It's that mindset, "I will NOT spend" which makes the difference.

Ianise

LannieDuck wrote: »

Have you worked out where the extra money's going (in which case it may be time to post a revised SOA), or is the overspend still a mystery?

It is kind of still a mystery.... I have budgeted down to the last penny last month and we discovered a few home truths... I spent £30 on cinema for example from October 26th to Nov 26th, something I have remedied and have not been since. I do love my films so that is something I just decided I could live without as it is a bit of a selfish want.

There were a lot of cash withdrawals that month as well accounting for around £300 of the overspend but neither of us could really account for these and that is the problem with cash I guess...

I need to go over this months accounts at some point this week to see where the money has been going this month.

Hopefully with a freezer full of food all we will need to buy is bread for the kids sandwiches for school and fruit and veg, so realistically £50 a week should happily see us through to the end of the month!

LannieDuck

A lot of people keep spending diaries when they withdraw cash. Everything gets recorded, down to a 30p packet of crisps. Would it be worth doing that for a month? £300 is a lot of money that you could be throwing at the debt...

glasgowsaver2011

Ianise wrote: »

It is kind of still a mystery.... I have budgeted down to the last penny last month and we discovered a few home truths... I spent £30 on cinema for example from October 26th to Nov 26th, something I have remedied and have not been since. I do love my films so that is something I just decided I could live without as it is a bit of a selfish want.

There were a lot of cash withdrawals that month as well accounting for around £300 of the overspend but neither of us could really account for these and that is the problem with cash I guess...

I need to go over this months accounts at some point this week to see where the money has been going this month.

Hopefully with a freezer full of food all we will need to buy is bread for the kids sandwiches for school and fruit and veg, so realistically £50 a week should happily see us through to the end of the month!

I love my films and watch them for free on a site called viooz dot co

its a free streaming site, with no downloads or pop ups

including new films...

Ianise

glasgowsaver2011 wrote: »

I love my films and watch them for free on a site called viooz dot co

its a free streaming site, with no downloads or pop ups

including new films...

Thanks for that. I use a site called noobroom but just lately it has not been the best....

Will take a peek.

Ianise

LannieDuck wrote: »

A lot of people keep spending diaries when they withdraw cash. Everything gets recorded, down to a 30p packet of crisps. Would it be worth doing that for a month? £300 is a lot of money that you could be throwing at the debt...

I need to do this. I did say I was going to. Will get a couple of pads for me and the mrs.

Ianise

Ok,

I got pads and after a long drawn out discussion we have agreed to start monitoring spends form Jan 1st. New year, new start.

We will still have a fridge/freezer full of food and we are going to clear out that before buying anything other than essentials at the turn of the year...

I am hoping to end up with somewhere between £600 and £800 to pay off the debt each month!!

PMA all the way!