Getting there...slowly.

girlatplay

girlatplay wrote: »

I have incorporated a clothing budget for myself. £20 per month. I don't expect to spend that but I realised that I needed to put one in...

I just read this and thought "That is nonsense!". I do expect to spend that, I just meant that I don't expect to spend it every month, more like save it up over a few months and then spend it on something I need.

I was a bit spendy over the weekend Spent £83.61 in total. £46.12 of that was for petrol and came from the petrol budget, and £7 was towards the coffee and scones we had but came from pocket money so I don't feel guilty about them, however, the other £30.49 could have been avoided. I saw shampoo I like on offer so bought two bottles. I don't need shampoo at the moment but I will need it at some point. I bought a mascara which, actually, I do need but I could have bought a cheaper one

I went a bit wild in Morrisons when LMG was after some snacky stuff. We had agreed what we would get but when I got there I was so full from the scone that I couldn't even look at food so we chucked a couple of things in the basket and ran. I didn't quite think it through properly. It's fine, it will get used but I had to put it on the cc as I didn't have enough cash on me.

In good news, I got the £40 payout from OnePoll this morning and I am up to £9.30 of the next round. I had borrowed £13 odds from one of my pots a couple of months back so paid that back. Paid across the £12.77 spend in Morrisons from Saturday I have just over £13 left Just going to leave that in my account for now. My ex is paying back a loan to me (only 2 months to go, thank goodness) at £185 per month. I make it up to £200 and pay it off the mortgage each month. The £13 will go towards that.

I have £10.35 in my purse. Purely because I found £20 which I had hidden in the house for "just in case" which I had forgotten about. That was lucky! £10 still stashed for Just-in.

£6 in the petrol excess fund. I added in £3 of what I had left over out of the budget. The other 88p will go towards the above-mentioned mortgage payment.

£2 to bestie's fund.

Still waiting to hear from the new ISA provider that my account is open.

Waiting for the interest to be added on last year's ISA (30th April).

That's it today I think

girlatplay

Nothing much happening here at all today.

Got a text message from the CSA yesterday. I am getting £2.77 in the next 3 working days. How that is supposed to feed my child for 3 weeks I will never know.

Text the other ex his monthly reminder about the loan money (due tomorrow).

Funny, I have only had two serious relationships in my 30something years of life and both have seriously let me down. I just seem to pick the wrong ones. Maybe it is me that is the wrong one...

Still got £10.35 in my purse Trying desperately to ignore the chocolate cravings.

Mum and dad's for tea tonight so don't need to worry about meals.

Grocery day tomorrow and LMG has dancing in Dunfermline. I have worked out that if I leave work at 2pm sharp then I will have time to go for the messages, go home, put them away, get changed and get to the school for 3.30pm. Must get the shopping list done.

beanielou

Love the messages word.
Takes e back to being a little girl

mooomin

beanielou wrote: »

Love the messages word.
Takes e back to being a little girl

We were just talking about that yesterday

I work with a lady who has lived here for years but moved up from Englandshire and she said that when she first moved here, the word "messages" absolutely flummoxed her Cultural differences I guess :rotfl:

girlatplay

I hardly ever use that word too. Just came out of the end of my fingers when I was typing. My mum is English - Bristol born. She came up here when she was 16 (Grandad's job moved them). She says she couldn't understand a thing people were saying, was like a foreign language. She has been here so long now that she speaks with a Scottish accent but she sounds posh Scottish. She uses "messages" sometimes as well. My dad is Scottish. He was brought up using "messages".

Just popped back on to say that I randomly checked my last tax year's ISA even although I knew the interest payment date is tomorrow, and they have put it in already! YAY!! It does have 30/4 next to it but I have no intention of moving it before tomorrow. I'm just really excited that I can update my spreadsheet and signature.

£198.63 in interest takes my buyout fund up to £12,478.63 Plus I still have £40 waiting to go over and I will add £1.37 to round it up.

skintygerlinky

Yo GAP!


Subscribed xxxx


Payday for me tomorrow and yes I'm getting my messages in!! Us Scousers deffo go for messages hahahahhaaaaaaaaaaaa!! xxxxx

StarMummy_2

lovely little catch up read on your post this afternoon. I'd love to get my little one into dance or gymnastics but it's impossible trying to find a class for her age that isn't on a week day I shall have to keep searching, if nothing else she could do with the company I don't have a very child friendly life, no friends with children etc.
CSA are a joke or at least they have been for me and DD.
i'm completely flummoxed on the 'messages' thing.

girlatplay

Hey skinty I must have been posting to you as you were posting to me! xx

Hi StarMummy thanks for popping in. LMG's regular dance class is on a Saturday, at 2pm. Right in the middle of the blimmin' day! Still, it is easier than weekdays. At the moment she is asking for extra classes and her teachers only teach the kids classes on Wednesdays and Thursdays in Dunfermline (about 19 miles away from us from A to . I finish early on a Wednesday so I am able to take her over to the classes then but they start at 4.30pm and she finishes school at 3.35pm so we are about 10 minutes late because of the traffic (Google timings are not accurate). She enjoys it though so I don't want to stop it.

My life never has been particularly child-friendly either. Only one of my close friends has a child and she is 3 (LMG is 13). I have worked since she was 4 months old. She is a great kid though, we are really close and she is really good fun to be with. She spent so much of her childhood around adults that she is quite grown up in her outlook. She has a brilliant sense of humour and we just "get" each other. We can be in stitches over something one of us says and other people just look on, confused.

The CSA have been a bit of a joke here too. LMG has two siblings with the same dad (actually, 3 siblings but one is over 21 for the purposes of the CSA) and she is in contact with them (all of them). I get on well with the mum so we keep in touch. We sometimes get told completely different things by CSA. Last week we were told the same though: they took a card payment from him of £600 (not had anything since 17th March) and we will get our %age share at some point this week. Now I am getting £2.77 and she is getting £5 odds. He earns take home of £777 per week. Hmmm....

Oh I could go on all day. Better stop as I can hear some snoring up the back there

girlatplay

I was so busy yesterday that I didn't get a chance to come on here :eek:

Went to Lidl for the messages! I haven't always managed to get everything on my list there in the past but I was pleasantly surprised to find that I did yesterday There were a couple of things I forgot to get as I had forgotten to put them on my list so I can't say if they were there or not but I am happy with yesterday's effort. The other items I can get cheaply enough from Morrisons across the road from me. Came in £2.65 under budget and there is enough to overlap to next week.

All dd's off today bar one which comes off on 7th (very annoying but it is unchangeable).

£20 to small emergency fund, that's up to £104.70.

£203.06 off the mortgage. New balance: £94,030. Would have been so good to get that under £94k this month but I was too spendy for my finances to allow that :(

£40 in a wee general fund that I call an emergency fund so that I have money I can lay my hands on easily during the month but it usually gets swallowed up by spendy stuff

£107.91 in credit to ScottishPower. I am waiting for slightly warmer weather and then I will ask them for some of that back. I just wanted to get through winter without worrying about turning the heating off.

£20 in clothes account

£10 in the petrol fund. Mum gave me the petrol money yesterday but she didn't have any change, only a £10 note so I paid for the dance class (£3) and gave her £4 from my purse. She gave me the £10. I put it into the petrol fund and took the change in there for my purse. Means I paid an extra £1 to it but that is fine.

£7.35 in my purse. The £1 went to the petrol fund and also we (the family) pay £2 per week into a Christmas pot to pay towards our Christmas meal every year as we usually go out for it. My dad looks after the pot and is very strict about us remembering to pay in. I put my £2 in for last Sunday. My purse is due £20 for this week's pocket money but I am keeping that out for now as £7 will be enough to see me to the end of the working week. Meeting my friend tomorrow for our weekly catch up at lunchtime.

Have had two more messages (as in texts, not groceries ) from CSA saying that they are transferring more money. Good, because it all helps.

Goodness, I have been on here most of the morning! Better do some work :cool:

skintygerlinky

Love your dividing up of your finances, girlatplay....its so reassuring to know what goes where and when isn't it!!


Haven't got a Leedl near me for my messages (messages forever more now, eh! Love it!!) but we have an Aldini and that is where I spend my messages time. Honestly wonder how people cope without the cheaper option - well, not too good is the answer. Jack Monroe is currently doing some sort of budget challenge (not sure which, its on her website) and she is struggling as the closest supermarket to her is an Express version of a big supermarket.


Long live German supermarkets!! xxxxxxxxx