Cheery's buttling diary: tea in one hand, plant pot in the other, running shoes on

DedicatedDFW

How'd the cycling go today cheery? The whizzing downhill in 10 minutes all sounded good to me

Cheery_Daff

Enjoyed the cycling thanks! did indeed whizz (er, think i need to leave more than 10 minutes though ). Managed to miss the train on the way home though, didn't quite pedal fast enough! :rotfl:

feel a bit queasy tonight, not sure if it's connected :eek: :rotfl:
Still, my 6th NSD in april :j :j :j :j

may well manage another one tomorrow... although just remembered i'm going to the dentist... not sure if i'll have to pay for that.

Still i get paid tomorrow :j :j :j and don't want to speak too soon but i appear to have stayed under my fun spends allowance... (only by creating an extra presents budget that wasn't there before :rotfl: )

quite looking forward to tomorrow evening of planning and budgetting and shuffling :j :j

EssexHebridean

:T for staying under budget (shhhh about the method employed) and for being paid. Bleurgh to feeling queasy though - and yes, I expect it was related - all that rushing about! Hope you're feeling better today - and well done on the NSD's too - I've not counted mine this month but I suspect you've beaten me!

Cheery_Daff

Well I'm on a mission for next month! :applause: EVERYTHING will be divided into envelopes and labelled and won't be counted in NSDs if it's planned in advance (eg so many times swimming, lunch on a specific day with a pal etc). I reckon acting like that I can get 20 :rotfl: (or maybe 10...)

Dentist was fine - he'd warned I'd probably need a crown (only thing holding the side of the tooth on now is the filling :eek: ), and now I will. £219 :eek: :eek: Packed it with a 'soft filling' for now (feels disgusting, like cotton wool and he said he'd smeared it with vaseline - bleurgh). Going back in 2 weeks for imprints or whatever, then another 2 weeks to have it fitted. Good job the dentist is nice! :rotfl:

On the plus side I didn't have injections or anything so I am now having a nice cup of tea :coffee: :j

Popped into supermarket for milk and fruit etc, but that came out of the food budget :j

Also filled the car right up (it was nearly empty) = £57.61 and I'm hoping that'll last the month, although there's a trip to Stratford and back at some point, and another trip to my mother's, so thinking about it, it probably won't! :rotfl:

Planning to swim tonight, and it'll be peak time so £4, which will take me to dead on my £200 spending fund

Cheery_Daff

Well, I didn't go swimming, so have saved myself £4 and *remarkably* come in just under budget :j :j :j :j :j

Celebrating with a nice cup of tea, of course :coffee:

Am hidden away in the attic, rolling my sleeves up to do some serious banking and setting myself some targets for May :j :j

Budgets and calculators at the ready folks! :j :j :j LOVE payday shuffling

Cheery_Daff

Right - so in various pots we have...

• £220 car maintenance (£66 RAC cover due this month, and £125 tax, then nothing til MOT in September - put £80 a month in this so should be fine)
• £160 annual bills (£40 a month, just house insurance and TV licence so will be fine)
• £277 house repair/maintenance (£100 a month - and since it seems impossible to get any tradesman to actually TURN UP to do work on my house, it seems this will build indefinitely! :rotfl::rotfl:)
• £250 no quibble weekends (£100 a month - will need to spend some of this on triathlon, but I *think* we're camping in the car :eek: so won't need to pay for hotel...)
• £0 holiday fund (usually £100 a month, but we poached 2 months from No Quibble when we went away in March so I'm paying it back :rotfl:)
• £55 presents/Christmas fund (Just started this, will be adding £25 a month normally, but wanted to get out of minus figures after last month! :rotfl: )
  

Not bad at all! :j :j



Long term savings account looking quite dire Partly had to pinch some for shuffling purposes last month but I'm due £150 of expenses soon so that will go straight into there.



Also been doing some complicated money laundering through various of Mr Cheery's accounts to fund a standing order to another of his accounts - which has now been cancelled :j So the joint account savings have all trickled through into HIS savings account, which we'll be closing soon.


Did you follow that?? Not sure I did :rotfl:


Anyway.



Added to long term savings this month:



£50 ordinary savings
£27 monthly saving from reducing gas/electric bill
£19 monthly saving from spreading council tax over 12 months
£20 monthly saving from switching house phone providers :j (not happened yet and undoubtedly will be conned by old provider but starting the savings now anyway :j

= £116 :j :j :j Must update signature and see what else I can add



Now to work out my envelopes and what change needs getting out of the bank tomorrow and how many NSDs I can plan for

Cheery_Daff

So tomorrow I'm going to go to the bank first thing and get out...

• £20 work bus fares (planning to use foldy bike most of the time so will hopefully have some left :j )
• £50 joint treats
• £20 household stuff (not had this as a budget before, but pretty sure we buy batteries/lightbulbs etc)
• £30 extra food (for when I pick up milk etc on the way home and forget to pinch it from Mr Cheery's food budget tin )

And then out of my £200 spends I've put £100 into my personal current account, and will take out £100 to cover:

• £15 al anon donations (normal meetings, plus a convention thing too)
• £20 slimming world fees (and darn it, I will NOT be using all of that because I WILL be at my target before the end of the month!! :rotfl:)
• £20 diesel to go to race (filled the car up today - suspect it'll do for getting to the triathlon, but not to the 5k family race thing the week after)
• £15 swimming (4 more times before triathlon, and once after in case I decide I like it :rotfl:)
• £20 clothes (having thrown out almost all of my wardrobe, there may be some replacements... :D)
• £10 cash float to round it up

So that's £90 allocated, and £110 to spend on whatever I like over the month :j :j



Not counting anything that comes from an envelope to ruin a NSD So I reckon I'm going to aim for 12 :eek:
And that's probably enough waffling from me for one night

starnac

Wow! That was a lot to digest first thing in a morning. You did some good sums. Well done. Should be a doddle to make double figures NSD now

Cheery_Daff

:rotfl: Hmm, not sure it's going to be a doddle

Just wondering how to keep track of it in my signature! If it's out of £200, that's *all* of my spends, not just what's not in the pots... Which means I'll have to declare every day even if I'm counting it as a NSD.

Bla bla bla blah.

Meant to be working, best crack on

starnac

Like you said - anything that comes out of an envelope doesn't count so technically for your challenge you only have £110 fun spends not £200. So change your sig to £110 maybe??