Escaping the grind...in search of a life less ordinary

MissShoes

Bottom line


Bank balance £424.85
Cash in purse £3.50
Savings Pots £350.00
Annual Savings Challenges pots: £25.00

Mortgage- paid
Electricity- paid
Oil- paid
Water- paid
Home insurance- paid
Business insurance- paid
TV License- paid
Business expenses- paid
Petrol/expenses on CC- paid

monz

so jealous of your payday lol xx

MissShoes

monz wrote: »

so jealous of your payday lol xx

And now I'm counting down to the next one.....only 29 days to go!!!

I suppose the only saving grace is that money I get from OH comes in dribs and drabs as he gets paid through his business- as opposed to once a month lump when he was an employee elsewhere. Somehow makes it feel more manageable although who knows if it actually is!

Hope all's well with you Monz

xx

MissShoes

Bottom Line

Bank balance £42.68
Cash in purse £12.50
Savings Pots £325.00
Annual Savings Challenges pots: £27.00

29 days till payday. Things are looking tiiiiiiiiiiight. Still to come out of my pay...

Bill £229.79
Fees £16.00
Netf1ix £8.99
Cleaner £80

I have two direct debits to cancel- one for £14.99 and one for £14.95. Must get on that tomorrow.

Oh....and we have a bill of £600 to pay a builder for some prep work for an upcoming project. I think we have to pay this month so likelihood we will end up well into the overdraft before next payday. Sigh. This will come out of OH overdraft and I will clear on my next payday. Other bills for a few hundred pounds here and there are imminent. We should be able to get on an even keel by March/April when the business is due a big lump of revenue- until then, it's cutting back where we can!

So, incoming still this month before next payday (all from OH):

£62- due around 27/1
£105- due around 6/2
£176.33- due around 9/2


There's the potential for more but it's slow in January and February isn't looking much busier....but these things have a way of turning themselves around- a very zen like way of thinking!

Things to do this weekend
Laundry
Put the clothes mountain away (I avoid this like the plague)
Chase refund-should be due over £35
Lunch prep for the week (failed on this last week- ended up eating weird concoctions although no money was spent on lunches)
Make up the spare room
Wash sheets and towels
Ironing (will leave to OH)
Have a think about meal planning for the week's evening meals
Cancel those pesky direct debits

Today was a LSD (£54 on fuel- this went on my petrol CC which starts each pay month with a zero balance, £11 in Mr T for milk/toothpaste/binbags/medicine). Yesterday was spendy (£30 on the car, £28 on paint/toilet rolls etc). Tomorrow should be a NSD.

MissShoes

And, just because it doesn't rain it pours....

It's not just the £600 we have to find for the builder.....we also need to order more oil which isn't cheap at the minute.

I would be drinking a huge glass of red to soothe my frazzled fiscal nerves but alas, dry January is in full swing.

MissShoes

Well maudlin Monday is in full swing. Nothing major to moan about but a tricky week ahead. Lots of deadlines looming this week so have to stay focused and get working. All manageable but I feel a little tired and stressed this week so things seem more complex than they actually are.

Poor OH. Not only has he £600 for the builder to find, but now the best part of £2k to outlay for business expenses too. We have joined our finances completely so what's mine is his and vice versa- and fingers crossed this is just a cashflow issue. We think it's 8-12 weeks to see this reimbursed, along with the £600 and a few other unwelcome bills. Until then, it's tightening our belts even further and doing what we can to live frugally.

Today
NSD
Work
Went to the gym
Meals from stores (grilled chicken thighs in lettuce cups and lasagne)

Tomorrow's list
Meet one deadline DONE
Go to the gym NOPE
NSD DONE
Post card for poorly relative DONE
Meals from stores (homemade burgers with all the trimmings, lasagne, protein shake) DONE

Incoming
£62- due around 27/1
£48- due around 28/1
£105- due around 6/2
£176.33- due around 9/2

Fingers crossed for a frugal month.

And don't despair...it's only 27 days till payday!!!

MissShoes

Bottom Line

Bank balance £44.83
Cash in purse £33.50
Savings Pots £325.00
Annual Savings Challenges pots: £35.00

25 days till payday

MissShoes

Today

Hit the gym DONE
NSD DONE
Meals from stores DONE
Paid window cleaner DONE
Meal prep DONE

MissShoes

Incoming

£62- due around 27/1 RECEIVED- IN BANK AND USED FOR WINDOW CLEANER
£48- due around 28/1
£105- due around 6/2
£176.33- due around 9/2

MissShoes

Bottom Line

Bank balance £42.02
Cash in purse £10.00
Savings Pots £325.00
Annual Savings Challenges pots: £44.00

21 days till payday

Incoming

£62- due around 27/1 RECEIVED- IN BANK AND USED FOR WINDOW CLEANER
£48- due around 28/1 RECEIVED- IN BANK/SAVINGS/SPENT ON FOOD SHOP
£15- due around 30/1-31/1
£105- due around 6/2
£176.33- due around 9/2

Having a relaxed, low-key weekend. Have things to list on flebay and gumtr3e but I'm successfully ignoring that. Treated OH and I to monster takeaway- naughty Shoes. That's out second of the year and cost £20.33. One a fortnight is the current pace- I'm sure I could reduce that to one every three weeks- will try not to get another before 17/2. It's not a case of not having the food in the house, it's just laziness/temptation/craving/gluttony/convenience....or a combination of them all!

Work wise things are calm, managed to meet last week's deadlines and this upcoming week looks more manageable. Will try to do some forward planning/organising so I'm ahead of myself when the next busy week arrives.

Have managed to clear half of the cleaner's wage this month with a sale, have another £40 to find before Friday. OH and I identified something we could try on gumtr3e this week, not sure if it will have takers but worth a go and would free up some space.

Meal prep has gone well- have cooked lunches for the whole week, just waiting for them to cool then they will be portioned up and packed away in the fridge.

Should get a load of laundry on so I'm organised of the week and I will need to fill up the car too. I usually reckon on £125 a month on fuel- but have a couple of long journeys down south planned in so I expect I'll go over budget.

Aiming (aside from petrol spends) for NSDs for me all working week and potentially the weekend too. We'll see!

OH business looking quiet next week- it's all a bit last minute at this time of year and generally slower than normal whereas during spring/summer/early autumn we tend to know what's happening a little bit in advance. It's just a case of knuckling down, tightening belts and waiting until the cashflow issue is resolved.

Cold, miserable and grey in these parts. Wrapped up in front of a fire, nice and cosy. Will have to get going to smash through the final few chores but there's time for a rest yet.

Happy weekend all,

Shoes x