Get a grip !

Skint_yet_Again

NSD today :T


Walked the dog for an hour in the rain this afternoon but had my waterproofs on. Stew was lovely and a couple of portions for fridge and freezer. DS popped in and got some food for work tomorrow then went off to his gf for the night. Early night for me I think. This lurgy is really lingering.

Skint_yet_Again

Its raining here this morning but forecast to brighten up this afternoon. I hope so as I need to do a load of washing.


Not much planned for today. Will walk puppy in a minute then again later today. I will try and hoover puppy room if I feel up to it. Have face ache today ! Lump still there.


I am having pizza from freezer for lunch and some leftover chicken pasta bake for dinner. Hopefully a NSD.


At least the car and the patio are getting washed in all this rain

savingwannabe

I am so sorry you have the lurgy! People have it at work too and I am hoping to avoid it. It catches up with me usually. I am hoping I will be eating healthily to fight it off.

I hope your father is getting better. Payday on Friday, hurrah.Sending hugs, swxxxx

Skint_yet_Again

Hope you manage to avoid it SW and stay well.


Payday on Friday and I have lost track of my account :eek: I know I have my car service plan to come off £28.08 and I called at morresons yesterday for a few bits and pieces of food for the rest of the week £7.55. There is also a takeaway £10.68 still to come off. If I don't spend anything else that should leave £52.71 in my account. I've got a few meals left in the freezer so hopefully no need for any more spending before Friday.

Skint_yet_Again

I took a tuna sandwich and banana into work today so no spending in the canteen ! I went to the doc and have been given antibiotics for the swelling on my face which they have said is a gland. Hopefully the pain will ease once they start working. Thankfully I get free prescriptions.


I wanted some mints as I went from work and didn't have a toothbrush and as I knew the doc would want to look in my mouth I didn't want to knock her out with tuna sandwich breath. The cash point only had £20 notes so I bought sugar free mints 68p. I will use £13 of the change to pay for my xmas work meal. My team are going to a local pub for a 3 course meal £12.99 bargain


I have £6.32 cash left in my purse so I am putting £5 away towards xmas drinks/meals. That should leave £32.71 in my account.

Skint_yet_Again

We had a breakfast meeting at work today. I brought orange and apple juice and some cups £3.58. I also paid for my xmas meal £13.


Walked the dog when I got home and hung out a load of washing. Have been feeling unwell this afternoon, not sure if its the antibiotics. Anyway I walked the dog again around 5pm but didn't stay out long and had a lie down when I got home.


DS is working nights tonight, his last shift in his old job. I have transferred £5 to his account so he can buy food. I was going to cook tonight but don't feel up to it. If I feel hungry I will have a aldi fish pie from freezer only 69p cheap but tasty.


Payday tomorrow.

savingwannabe

Hello I hope you are ok. I think I might have the lurgy as I have been sneezing. I hope your tablets are having an effect. Roll on midnight as we get paid!!

Skint_yet_Again

Hope your sneezing has stopped and it hasn't turned into anything SW x


Payday yesterday :j and I went shopping on the way home from work. I have calculated I spent £101.25 last month on takeaways etc :eek: This has to stop !!!!!!!!!!


£50 was from my entertainment budget but that's a big overspend. I am trying for a take-away free month in October. Instead I have bought some ready meal curry's, nan breads and popadoms (indian), some ready-to-wok noodles and stir fry and spicy wings (Chinese) and pizza, wedges and garlic bread. These are for when we fancy a takeaway this week.


I spent £67 but this is within budget and included 16 pack toilet rolls & dishwasher tablets. When DS starts his new job on Monday they will provide lunch so it will save me from doing so much batch cooking and I can start and put away money for dog food out of the money DS gives me.


I will work out my budget for the month later. The weather is meant to be good today so I am going to wash bedding and work clothes.

savingwannabe

Hello I am just as guilty. I did 3 clothes washes and dried them outside. Then today I met up with a friend and we had a meal (£20), then I bought a lovely clock (charity shop), food, housethings (£21). Total cost £50!!!!!! I am supposed to be making money not blowing half my spending budget for the month in one day!

There is one gorgeous shirt that I want (cheap price of £15) and after that noooooo more. I have sooo many clothes.

Let's focus on doing housework, work and if we are bored exercise rather than eating out and takeaways for the rest of the month.

I am not going to eat any meals at work either even though they are gorgeous. I must money save.

Are you with me? We've got to help each other stay on track. I am spending like when I worked full time and earned serious money and I don't. I am the best dressed person I know but I would rather retire with a decent amount of savings rather than retire with a nice clothes collection and live on Weetabix.

Skint_yet_Again

Here's the budget for October


Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 1
Number of children in household.........
Number of cars owned.................... 1
Monthly Income Details
Monthly income after tax................ 1110.12
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 300 food/bills DS
Total monthly income.................... 1410.12[b]
Monthly Expense Details[/b]
Mortgage................................ 214.9
Council tax............................. 140
Gas..................................... 54 & electric
Water rates............................. 45.97
Mobile phone............................ 7.55
TV Licence.............................. 12.37
Satellite/Cable TV...................... 47.5 & phone l/line internet
Groceries etc. ......................... 300 incl dog & DS food
Petrol/diesel........................... 40
Car maintenance (including MOT)......... 28.04
Presents (birthday, christmas etc)...... 50
Entertainment........................... 50
annual bills insurances etc............. 100 & car tax haircuts
union fees.............................. 7.92
Total monthly expenses.................. 1098.25


Secured & HP Debts[/b]
Description....................Debt......Monthly...APR
Mortgage...................... 0........(214.9)....0
Total secured & HP debts...... 0.........-.........-
Unsecured Debts
Description....................Debt......Monthly...APR
car............................0.........160.......0
cc 1...........................0.........100.......0
cc 2...........................0.........50........0
Total unsecured debts..........0.........310.......-

Monthly Budget Summary
Total monthly income.................... 1,410.12
Expenses (including HP & secured debts). 1,098.25
Available for debt repayments........... 311.87
Monthly UNsecured debt repayments....... 310

Amount left after debt repayments....... 1.87


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