This is it *ping* lightbulb!!!

kindofagilr

Finished doing my 2015 spreadsheet and my bills for jan, really pleased with how its looking, 2015 is gonna be awesome

Happy Christmas to everyone who celebrates it xx

kindofagilr

Ok time to change what I do with my excess grocery money, I budget £50 a week for food, nappies, toiletries etc, I usually spend between £40-£45 and I was topping up a asda gift card with the leftovers every week that was until I found out you can't use asda gifts cards online for groceries and ever since starting online shopping over two months ago I love it so much I dont want to set foot in a asda again lol

So now what I am going to to with the excess is pay it off the debt as soon as my shopping has been delivered and I know what the total was im gonna pay the extra off debt, should be at least £5 a week, I will do this on top of our normal overpaymemt at the start of the month

kindofagilr

I hope everyone had a nice christmas

Santa was good to me, ended up with £200 from various people, and thanks to my uber bill planning this year, for once I didn't have to use my Christmas money on bills or food shopping.

I was in much need of clothes, I've lost 2 stone this year and my coat was massive on me and all my jeans/trousers were falling down (I put so many more holes in my belt it died on me lol)

So I had a Happy day at the sales and bought a new winter coat, two pairs of jeans, two tops, some pjs, some new toms shoes, Aida for my cross stitch I want to start, cross stitch threads, a snap frame for it, a pdf reader for the ipad (can read my cross stitch patterns on it and you can highlight/cross out sections that you have stitched, as the pattern I am going to start is over 60 A4 pages long I thought I would try stitching from the iPad instead of paper, even better there was a sale on so the app was only 99p instead of £2.99) I still have £9 left on iTunes, and £45 in my purse don't know what else to buy I'm not used to having money to spend on myself lol xx

kindofagilr

Back to work for me today, it wasn't too bad, I'm there tomorrow and then off till Monday.

What made me proud were the conversations at work, one in particular where we were all talking about if we had a good christmas, then came the sighs and the comments of "and now we have to pay for it" I proudly said no not me, I saved up beforehand so I have nothing to pay first time I've ever been able to say that lol xx

kindofagilr

First overpayment made wooo hooooooo OMG it feels so awesome!!! was only for £15 but wooo hoooo

I spent £35 on groceries this week so there was £15 leftover for overpayments this week

CAFCGirl

Well done you, thats incredible. All those little pockets of money will soon add up

kindofagilr

Thanks Hun

kindofagilr

We took our Christmas decorations down today, sitting room always looks so bare once they are down lol, still need to take the Christmas cards down though

Not much happening today on money front other than a NSD yay

Hope you all had a good New Years Eve xx

kindofagilr

Morning all

Well the house is returning to normal now after Christmas, still got the cards to take down.

We are off to my mam's for New Year dinner today (will be christmas dinner number three) I can't wait I love mam's Christmas dinner, we usually get leftovers to bring home so that's tea sorted out Sunday night as well

Hope everyone has a good day xx

kindofagilr

Just done my gas and electric readings for this week, our usage has jumped up over December, which I am not suprised at its freezing up here lol, but it's all good, last bill I got on 1st December we were £142 in credit, they wanted to decrease my DD to £100 but I asked them to keep it £125 as I knew we would be using more in December/jan/feb I need to put my readings into my spreadsheet so I can see how much money we have used, but I think it will be around £150 so we will still be nicely in credit, I prefer making sure we are in credit, over the winter, then come spring I will reduce the DD to £100, last spring we only used about £60 for gas and electric a month.

Not much else on today except housework and making sure I have everything ready for me and OH going back to work tomorrow and DS going back to school xx