We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Last Log In 27/4/12 - Time to take back my life!

167891012»

Comments

  • CAFCGirl
    CAFCGirl Posts: 9,123 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    End of next year I believe.....
    Wealth is not measured by currency
  • CAFCGirl
    CAFCGirl Posts: 9,123 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Quick update.

    Allotment has been going well. I've harvested cherries and raspberries so far and made cherry pies and crumbles, as well as raspberry coulis which is going to be put through some ice cream I'm going to try my hand at making today too.

    In an effort to keep it as low cost as possible we're sourcing what we can for free. So we should have a shed come the end of the month, and some slabs for paving the walkways. IL's have also giving us a large umbrella to use for shade, and a swing chair seat.

    We've also purchased a second hand cross trainer, to replace my gym membership and means we can all use it to stay a bit fitter.

    Food shop this week came in slightly over budget at £74, so I need to tighten up our spending on that for the next few weeks.

    We've not stuck to budget really at all, well we have in most areas. its the takeaways :( And it's not even because its all that nice tasting, its pure laziness.....
    Wealth is not measured by currency
  • CAFCGirl
    CAFCGirl Posts: 9,123 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Its that horrible point in the month when we're literally waiting till payday and have no money in the account....

    So.... clearly not sticking to budget since we're meant to have £104 spare a month!
    Getting annoyed with myself over not being able to manage our money. It really shouldn't be this hard.
    Wealth is not measured by currency
  • kindofagilr
    kindofagilr Posts: 6,825 Forumite
    Part of the Furniture 1,000 Posts
    Hugs hun, have you pin pointed where it went wrong? Baby steps will get u there, it does take a while for the budgets to work like clock work, you are still doing fab hun xx
    Debt £30,823.48/£44,856.56 ~ 06/02/21 - 31.28% Paid Off
    Mortgage (01/04/09 - 01/07/39)
    £79,515.99/£104,409.00 (as of 05/02/21) ~ 23.84% Paid Off

    Lloyds (M) - £1196.93/£1296.93 ~ Next - £2653.79/£2700.46 ~ Mobile - £296.70/£323.78
    HSBC (H) -£5079.08/£5281.12 ~ HSBC (M) - £4512.19/£4714.23
    Barclays (H) - £4427.32/£4629.36 ~ Barclays (M) - £4013.78/£4215.82
    Halifax (H) - £4930.04/£5132.12 ~ Halifax (M) - £3708.65/£3911.20

    Asda Savings - £0

    POAMAYC 2021 #87 £1290.07 ~ 2020/£3669.48 ~ 2019/£10,615.18 ~ 2018/£13,912.57 ~ 2017/£10,380.18 ~ 2016/£7454.80

    ~ Emergency Savings: £0

    My Debt Free Diary (Link)
  • CAFCGirl
    CAFCGirl Posts: 9,123 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    yup..... takeaways.....
    Wealth is not measured by currency
  • kindofagilr
    kindofagilr Posts: 6,825 Forumite
    Part of the Furniture 1,000 Posts
    Hmm, how many do you think you've had? Could you limit yoursekf to one a fortnight? Xx
    Debt £30,823.48/£44,856.56 ~ 06/02/21 - 31.28% Paid Off
    Mortgage (01/04/09 - 01/07/39)
    £79,515.99/£104,409.00 (as of 05/02/21) ~ 23.84% Paid Off

    Lloyds (M) - £1196.93/£1296.93 ~ Next - £2653.79/£2700.46 ~ Mobile - £296.70/£323.78
    HSBC (H) -£5079.08/£5281.12 ~ HSBC (M) - £4512.19/£4714.23
    Barclays (H) - £4427.32/£4629.36 ~ Barclays (M) - £4013.78/£4215.82
    Halifax (H) - £4930.04/£5132.12 ~ Halifax (M) - £3708.65/£3911.20

    Asda Savings - £0

    POAMAYC 2021 #87 £1290.07 ~ 2020/£3669.48 ~ 2019/£10,615.18 ~ 2018/£13,912.57 ~ 2017/£10,380.18 ~ 2016/£7454.80

    ~ Emergency Savings: £0

    My Debt Free Diary (Link)
  • CAFCGirl
    CAFCGirl Posts: 9,123 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Its probably been 1-2 a week.
    We also paid out £80 for something thats happening next year so that was a good chunk, but DH also got paid about £120 overtime, so I need to whip aside any overtime extras he gets so it doesnt become just 'spare' money, and learn to live on his basic salary. Especially as the overtime wont be there forever.
    Wealth is not measured by currency
  • CAFCGirl
    CAFCGirl Posts: 9,123 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Had a £10 voucher for SBugs online so did food shop and came in at £44. So that sort of makes up for the overspends on previous weeks and saves us having to go there tomorrow :)
    Wealth is not measured by currency
  • CAFCGirl
    CAFCGirl Posts: 9,123 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Plodding along.

    I feel like we've done a tad better this month with spending, especially since I had a weekend away and some other bits and bobs.

    Next month is going to be tougher i think as we're on lots of trips for DS and Home Ed, so I just need to not repeat the cycle of overspending on payday, to then be broke for 3 weeks.
    Wealth is not measured by currency
  • CAFCGirl
    CAFCGirl Posts: 9,123 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    The allotment we've taken on is coming along nicely.

    DH has been building a shed, all by himself, out of pallets. Its coming on really nicely and he's enjoying it. Weather hasnt been great for getting much else done up there as the ground has been too solid to dig over. Hopefully this weekend we'll get some more rain and then a clouded day to go over there and get on with some bits. DS hates bright sunlight so I need the summer to n*ff off :)
    Wealth is not measured by currency
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352K Banking & Borrowing
  • 253.5K Reduce Debt & Boost Income
  • 454.2K Spending & Discounts
  • 245K Work, Benefits & Business
  • 600.6K Mortgages, Homes & Bills
  • 177.4K Life & Family
  • 258.8K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.