Dummy mummy to Yummy mummy

Mummy+2

As if money wasn't tight enough I need to find another £100 a month in the budget. It's not really something I can avoid as it's solicitors fees due to the ex :mad: I guess I should just be thankful that they do a payment plan and I don't have to find the full lot at once!

Will need to do some serious rejigging, mainly of what I save and how the savings are uses. It'll probably add a few more months onto my debt free date too

In other news I lost another 3lbs this week and I'm on track budget wise this month with 1 week left to go

Mummy+2

Need to keep up with this diary. . . .especially as I keep slipping spending wise

Pay day is just about here and I have started my monthly round up, it looks ok but could look better if I hadn't been a spendy cow and took my eye off the ball!

Must do better next month especially as the budget will be getting even tighter with the extra £100 to find, not looked into that yet as I just can't face it as I feel our budget is tight enough and I am angry that I will have to pay hundreds because the ex can't be bothered to do the right thing grrrrr

Had a disaster this morning when I spilt a full mug of tea over my diary, I'm one of those people that can not function without my diary. Also this one was a very special gift this year. . . will have to hunt for another diary, this will have to come out of the emergency fund as well this is an emergency in my life lol. I can see me missing lots of appointment and being late for things.

In other news - 3rd weigh in on ww tomorrow, been a tough week so I'll be happy to stay the same. Work is completely crazy and I'm putting in around 3 extra hours a day meaning life is very hectic and I am tired Little miss took ill over the weekend (she has a medical condition) Little man is just going with the flow as ever

Back tomorrow with the end of month report!

beanielou

Keep plodding

Mummy+2

Monthly Budgets -

(what’s left/budget)

Little man 0/£35.93
Personal 0/£7.5
Clothing -£20/£21.66
Hair & Beauty -£5/£5
Gas & Electricity £40/£100
Petrol -£20/£70

Savings target -£100 2385/4260 for the year. Not going to be able to make the £100 up so I have reduced a few things like Christmas budget

Gas and Electricity –
Start of Month £35 gas / £14 electric
Top up £25 gas / £35 electric
End of Month £23 gas / £3 Electric
Total used £37 gas / £46 electric

Things for July –
[STRIKE]*Making extra payment to one of my debt, £31.62 would get them off my back apparently![/STRIKE] – Payment made
*[STRIKE]Making up short fall in childcare saving….may be I could sell one of the children[/STRIKE] – shortfall made up
*[STRIKE]Holiday budget[/STRIKE] – Done and stuck too
*[STRIKE]Work out how the change of paying dance fees weekly to monthly in advance will affect the monthly budget[/STRIKE] – made upfront payment form savings and paid back weekly

I took my eye off the ball this month and it has really shown, back to weekly tracking and keeping the purse strings a little tighter next month

All bills that aren't paid by DD or SO have been paid for next month. New dd set up for debt repayment so instead of paying this online the dd should go on the 1st

Things for Aug –
*Possible new SO of £100 for the solicitors, need to look into where I can cut back for this
*Update spreadsheet with new income and rejig outgoings, tax credits gone down £5 a week
*New diary
*Big spend – school uniform!
*Do forecast of childcare cost for 2014-2015 ready to update Tax Credits and Housing beginning of Sep