2015 - the penultimate year!

DebtFree2012

Tea tonight will be chicken and vegetables and I will make a lunch for tomorrow for me to have at the office. I have over indulged this past weekend so I think tea will be healthier options. I'm trying to lower my amount of sugar intake, starting with no sugar in tea this week. One less thing to buy although saying that the cakes and biccies for the kids will need it, so I will just have to refrain.

DebtFree2012

Accounts are as follows:
Current £58.94
CCV £90.01
London savings £17.92
Normal savings £232.53
Blue Rewards £28
Everything has been paid up to date and all that is due will be the groceries on Friday, which need to eek out 2.5 weeks and the rest of the fuel which should come in under £40.
I've checked this morning to see if the mortgage company have a better deal as yesterday's payment processed overnight, but nothing yet. I'll check daily as there's no harm in doing that. I have, however, put plans in place for the August 1st increase just in case. It's not ideal but that's life.
So in money saving efforts, the ponies are staying out as much as possible thus saving on their bedding and hay. The field is pretty sparse still given all the rain we've had but they seem ok up until now so fingers crossed. They have a good weight on them so it's not that they don't have any weight to lose, just that they will get super grumpy if they're hungry.
I've reduced next month's groceries by £50 as this month is already processed and is almost 5 weeks (for my grocery budget). The residual money is coming from what I would have previously saved.
Today I need to:
Make a work to do list as there's a million and one things I need to get on with.
Plan for Friday's order
List out what I need to do tonight when I get home.
Nip to Ald1 to pick up a bit of fruit as I didn't get enough and also something for tea as I didn't get the chicken out of the freezer! These are all things I must change.
Try and list at least 2 items on ebay. I know of 1 which is a coat of DS's that was in excellent condition but doesn't fit any more.
Start listing for holiday. Should be an easy list as it's all comfy clothes and relaxing past times.
I'm going to update my signature, it's been empty for ages. It'll help focus me every time I log in.

DebtFree2012

Great news, my complaint has got through to the right department and a lovely lady rang me up who agreed fully with my facts and they are supposedly (yes, I'm suspicious by nature where money is concerned) going to change it for the better for me so let's see if it happens the way she said it would. I'm going to try online tomorrow once everything's processed overnight.

ScattySkewbald

Great news :T

monz

How did it go x

DebtFree2012

Fabulous news. They've updated their end so now when I log in it shows the correct LTV, so now I just need to bide my time between now and when it is due to expire, and pick the right deal. I'm not sure how often they post new interest rates but I've seen them go up and down in a short space of time. Today's figure is oly £15 more a month so I'm wondering if I just accept that as the offer could change and go up!

DebtFree2012

I have £40 left in my current account which I will need for next week's fuel fill up. That's everything covered until the end of the month then.
In the housekeeping account there's enough for today's groceries leaving me 52p in credit in the groceries and that was actually by pure chance lol. So £345 spent on groceries, depending on what happens when I pick it up tonight as they don't calculate the final amount until you collect it. Delivery for today was stupidly expensive and the kids and I pass the store on the way home so we do the click and collect option.
This weekend will be spent well and truly at home. I have seeds to plant, seedlings to plant out, beds to weed, animal housing to clean out and refill, buckets to wash (feed and water for all animals), fields to poo pick, my car could do with a wash and anything else that crops up outside on top of normal daily tasks. I must, must, must spend an hour or 2 cleaning and ironing. I avoid it like the plague anyway, but more so when the weather's so nice!! We're having family over from lunch time on Sunday so I would like to have everything done by Saturday tea time leaving me Sunday free to enjoy and mooch around.

crunch_time

You are doing well with your groceries! What's your secret?
I'm in budget at the moment but the end of the month is a long way off!!

Crunchy x

DebtFree2012

Online shopping! Seriously - I've not gone over since I've moved in here, well by 20p. I buy enough for 2 weeks which I thought was impossible but as long as you have soft fruit the first week and buy "keep me" green bananas etc for the 2nd (apples and oranges last forever), freeze your milk and yogs (school squeezy yogs for us) then I find it super easy. We aren't eating a lot of salad stuff at the moment but as soon as it's grown we will, salad's the first thing to go off in my house. Honeslty, I love it. I hate going to the supermarket. Some people may think I miss out on yellow sticker items etc but this is balanced out by the stress free shopping that I do from home! Once you've ordered a few times they have your lists of previous orders so you can create a base order of every week essentials and then add on top of it your extras. I do miss Ald1 slightly but not enough to go back. xx

DebtFree2012

DebtFree2012 wrote: »

Accounts are as follows:
Current £58.94, now £224.11
CCV £90.01, now 112.51
London savings £17.92, now no change
Normal savings £232.53, now £22.53 (this is where £210 was borrowed from)
Blue Rewards £28, now £35

Obviously I haven't increased debt , goes without saying!


This week, we're getting something done at home which needs doing once a year so that money needs to come from somewhere. It's budgetted for but we need it sooner than I realised however I will borrow and replace (from savings).