How I live now.

moneyonmymindsam

P.p.s and I am not the weirdo that is hiding in the bushes ....waiting for you to sleep to get to your biccie stash ..promise

moneyonmymindsam

http:// http://www.google.co.uk/imgres?imgurl=http://centreforcities.typepad.com/.a/6a00e54f73665c883401287791fe88970c-800wi&imgrefurl=http://centreforcities.typepad.com/.a/6a00e54f73665c883401287791fe88970c-popup&h=258&w=400&tbnid=XWwZIqiZ0no_rM:&zoom=1&docid=UEbjoXMGmFNZsM&hl=en-GB&ei=TBwnVeWsK9LxauGhgOAN&tbm=isch&client=ms-android-orange-gb&ved=0CCYQMygCMAI

scubaangel

moneyonmymindsam wrote: »

P.p.s and I am not the weirdo that is hiding in the bushes ....waiting for you to sleep to get to your biccie stash ..promise

Nope that one is me.

Am hoping for an invite to a BBQ instead though.

moneyonmymindsam

Ok if you view the pic you will see only a little of the cream is missing from the inside ...:D:o

moneyonmymindsam

Me and scuba the midnight sullyers..lol...

Hears you cracking knuckles and before you roll eyes ...rephrases to Scuba and I ...lol xxxxxx

Knitting_Nora

moneyonmymindsam wrote: »

Hey I will always come round..but then I am a bit of a weirdo ..lol

Morning gorgeous ...have a great day..!!! Looks longingly at last custard cream..licks own lips then thinks about how lovely you are... and (eventually) slides it over into your diary

Loving and leaving xxx
p.s haven't read your diary yet just last page as am often lazy cow ...Never forget how great you are...I think your pretty fab 24/7

A partially licked custard cream?! Ok, now I know I worried you!! Thankingyoukindly - they are my fav of all the comfort biscuits (in fact, we have some ready for tea break at work this morning).

RosaBernicia wrote: »

:rotfl:

I think you got there by the end of the post, Nora... and it's probably good to have recorded your detour, not least because you've now had a righteous scolding from Aaleigha to keep you on track in future!

I'd also like to point out that as you say, the friends who care about money and 'being kept up with' will no longer be the ones coming round to your house... so you don't need to worry about what your proper friends think


Rosa xx

You're right - which you know, but it's nice to hear from someone else.


It actually made such a difference to write it down rather than fester over it. And it meant that I didn't leave them a note explaining myself - which was perfect.

Aaleigha wrote: »

Thank you , very partial to a hob nob and a cuppa never goes a miss

Do to your post I messaged my daughter tonight told her I feel so mean for giving to her brother all the time and she doesn't get anything
She reminded me if it weren't for me she wouldn't have her house as I lent her the deposit interest free
But she owes me for the dog food so she is keeping twenty of that and we are menu planning for her and her partner to celebrate his first week anniversary of moving in with her
You see I am just like you those who love us don't question they just accept as we do of them
H xx

*sends virtual hugs to Missus A's luffly daughter*

Knitting_Nora

moneyonmymindsam wrote: »

Ok if you view the pic you will see only a little of the cream is missing from the inside ...:D:o

That and the picture honestly had me roaring with laughter yesterday - cheered me right up, so thank you. xx

moneyonmymindsam wrote: »

Me and scuba the midnight sullyers..lol...

Hears you cracking knuckles and before you roll eyes ...rephrases to Scuba and I ...lol xxxxx

lol - sully away m'dear! And I don't know what you mean about my knuckles... *muffles cracking sounds*

scubaangel wrote: »

Nope that one is me.

Am hoping for an invite to a BBQ instead though.

Any time, Scubs, any time. I'll even let you sit on the patio rather than lurk in the bushes if you want...

Knitting_Nora

Hello Lovelies!


This is going to be a quickie as I need to jump in the shower before the lovely water meter man turns up and turns the water off.


Today I'm in a 'tackle head on' mood and since I've realised I'm not the sum of my lack of money, I've realised that much of my recent upset has been because I'm nowhere near in control of my finances. So today is the day to get that sorted - and I need some advice, please.


First up - how do you keep an eye on your spends? I know some of you use spread sheets and some have apps. What do you find works best, and why (please).


Secondly - do you physically separate out your money each month into the various 'known spending areas' like shopping or petrol etc.? Or have dozens of different accounts for longer term spends like the car, pets etc. ? (Actually, can you even do that?).


Thirdly - assume I do absolutely nothing with regards managing my money other than worry about it. What tips do you have?


Many thanks for any advice/experience. I'll be back later!


Hugs, hot drinks and bribery-style chocolates,


Getting-it-sorted-Nora. xx

Aaleigha

This is what is working for me
on the Friday after payday (last thursday of the month) I get out the sheets I have made and printed off
they have the following columns

date (obvious) description (eg withdrawal counsellor,or wages) ref (wages would be ajm,withrawal would be garage or bank etc) then transaction columns debit and credit, then balance with debit credit columns,
so on the friday I write in all my direct debits (and date them to the date they will come out) then withdraw what I need but separate it out on the sheet eg groceries allowance etc
that will give me a total in the account for the rest of the month so then anything that crops up eg fuel will get listed when the money is spent

so a single entry might go like this
27th feb/withdrawal counsellor 80.00/balance debit 907.11
hope that helps you its a bit hard to explain without having the sheet in front of you but the sheet is very similar to this one
http://www.double-entry-bookkeeping.com/bookkeeping-basics/general-ledger-sheet/
I have only been doing this for a couple of months but it really helps me to put in all the known things (eg direct debits and withdrawals of known amounts) right after the pay goes in as then I know what I have left and what I might be able to save if I dont spend it

RosaBernicia

I used to use a spreadsheet that went from payday to payday, now I use YNAB which works on calendar months. But both have pretty similar categories.

I list anything coming in first (pay, cashback, anything due from other sources, anything carried forward) then rent and council tax, then all the bills (fuel, tv licence, landline and internet, mobile phone) followed by savings pots (car, gifts, vet bills, dental bills, buffer fund). That gives me a total for how much 'flexible money' I've got that month, which can then be split across the remaining categories (credit accounts, groceries, cash, clothes/hair etc, pet care, going out/ entertainment). I have an outline budget for those, but have never liked to set them in stone as I don't see the need when they do vary from month to month and can be adjusted if I like. Spends go in as they happen, unless there's something unusual that I want to remind myself about, and then I'll put it in in advance. I used to colour code the spreadsheet, and YNAB does similar, so I can tag 'things I need to do something about', and 'things that are done just awaiting payment' - I mainly use that for things like expenses where I put the amount in but need to remind myself whether I have or haven't actually put in the claim yet.

I like to know exactly where I'm at with money, so that there aren't any nasty surprises and I can do any reshuffling (eg if I decide I'll put off having my hair cut in order to have a meal out with friends). So having a tracker that suits me has been really important. I don't separate the money into different accounts though - I don't really see the point when that just adds the faff of transferring but doesn't prevent spending. I pay just about everything by card, partly because it means the transactions show up for tracking and partly because I don't like having to count up cash to track that, so cash only gets used for bus fares and parking.

The other thing I find really helpful is being able to outline the next couple of months in advance. That way I can see how much money I have available for bigger purchases and plan them in, as well as reminding myself about any unusual income or spends coming up. (YNAB isn't really built for this as they focus very much on the current month, but it can be done.)

Hope that makes sense... happy to send you an example of the spreadsheet if that might be helpful. You can get a 30 day trial of YNAB for free, and there are often discounts on it if you buy via another site (full price I think it's about £30).


Rosa xx