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Half way there and a slight change of direction
Comments
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Right reciepts have been tallied up and the budget set for next month.
It was a very stressful time for Mr El, he has had to take some pain killers and have a rest before we tackle the food planning
It is going to be a very tight month ahead and we will not manage to pay the visa bill off, but we are working through it together and that is the most important part I reckon.
I currently work with a two book system ( cant do spread sheets)
The first book has any money at all that is income, so wages, bursaries £5 from Halifax etc.
The second one is for all outgoings, I have seperate headlines like diesel, phone bill, insurance etc etc.
I am currently considering a third one, our planned budget, I take a note every month of how much we have coming in and the plan for going out so mortgage diesel etc but at the end of the month it goes in the bin, I'm thinking maybe have a book where I can see a trend over a period of time, so in 6 months we can look back and see how we managed this month etc.
The down side would be I will now have three books on the go ( although tbh I only fill in the incoming book twice a month, once for Mr El's wage once for mine) and I would only fill the budget in once a month as well ... but three books is a lot of books to keep a wee eye on, but it does give a more fuller picture over time.
Anyone got any opinions ?0 -
Go for three wee books.
Tell Mr El to take care
You should have added me into texts!I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
i can send some on to you if you fancy ? should give you a wee chuckle atleast ... Think Skinty had a wee laugh
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i can send some on to you if you fancy ? should give you a wee chuckle atleast ... Think Skinty had a wee laugh
Go on then
Will go & look for my phone!!I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Have sent you a few 0
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Get a spreadsheet!0
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Tried it several times Ed... cant work em ... they confuse me far too much and took me longer to do than on paper0
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I loved your holiday updates - was reading some to OH the other night and he was laughing too despite the fact he actually quite likes Blackpool (weirdo!). Jeremy Kyle stuff all the way:DMortgage OP 2025 £6750/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £35,463
Declutter 12/244
Money making challenge £58/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)0 -
The texts were :eek: & :rotfl:I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0
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