Get a grip !

Chrystal

savingwannabe wrote: »

OMG:o:o:o:o I must have mixed you up. Someone is on antibiotics but I am so confuzzled with who it is as I have been marking over the weekend and this morning and am now seeing stars.

You cant be ill as you have been walking the puppy. It is cold so wrap up warm.

:rotfl: :rotfl: :rotfl:
Sorry!!.... but I'm SO glad I'm not the only one to get things/people confused.

Skint_yet_Again

We've had no heating again at work and I am really feeling the cold this week. Thankfully not ill though. Lots of puppy walks to try and get warm ! Heating has definitely been on !!


I went to tesfo this week and used my £2 club card voucher to get the dog a bone We have been eating out of the freezer for a week so have decided on a Chinese for a treat tonight. Just waiting for it to be delivered.


My 0% credit card is now down to £998 :j It is 0% for 25 months so still plenty of time to pay it off as planned. However it feels better now its under £1000


I have a day off work tomorrow and the car is going for its MOT. They will collect in the morning. I hoovered the back seats and sprayed with anti-bac spray so its not wet dog smell and covered in dog hair :rotfl:


I was going to go into town but didn't realise it would be so cold and that its black Friday, so may give that a miss. My back is already aching with the cold so I don't want to make it worse waiting for a bus. Am waiting to hear from a friend about going for lunch at local pub where its 2 for £8.49. Otherwise I will just walk the dog and maybe go into loft and find my xmas decs. I put my tree up the first weekend in December.

Skint_yet_Again

Car passed its MOT :j My car insurance renewal arrived today and my premium has gone up by about £2. I will get some quotes over the weekend and see if I can get it any cheaper.


Took the dog for a lovely walk this morning. We have both had a snooze this afternoon and then had another walk around 4pm.
DS is home for dinner so we are having home made burgers for tea. I've managed to avoid the shops and no black Friday spending

Skint_yet_Again

Puppy has been poorly since last night bless her. Had to stop feeding her for 12 hours then she has just had a small amount of boiled chicken breast and boiled white rice. She seems a lot better this evening.


No dog walk this morning. I went out with a friend & had some lunch and hot chocolate £7.75. Also got a new dec for the tree 75p, some shower gel for DS stocking £1.


I've booked a hair appointment for next week and set aside £30 for drinks and taxis for ladies xmas lunch next weekend. DS was here for dinner so we had fish and chips from freezer. It was quite a warm day with a few showers, but chilly tonight and pouring with rain so the heating is on again !

Skint_yet_Again

Feeling a bit low this morning. Spoke with a friend last night to try and offer some comfort as her mum has passed away. Very emotional.


Have had to buy another section of "playpen" for puppy as DS & his gf are taking her to gf parents for xmas so I can go spend time with my DF. This is the first xmas without my DM. I used my £15 amaxon voucher that I earned doing surveys. As she will be in gf parents house and cannot be trusted not to chew/eat their furniture this was a must have ! We only have a large semi circle attached to the wall so have had to buy another section which can attach to the existing part and make a large circle big enough for her to lay down and walk around in. Will pay the balance from household bills account and should have enough left in the account to pay my annual car insurance. Also got a stocking filler for DS £3.99 paid for from xmas fund.


Its supposed to be a dry day today, so I am hoping to get some washing done and dried outside after yesterdays rain. I have lifted a joint of pork out of the freezer last night and am going to put it in the slow cooker later. Puppy seems much better and has had the last of the boiled chicken and rice this morning, so will see how she is today and may put her back on her normal dog food this evening. I got her a small Christmas tin £1 yesterday to put in the dog biscuits I bought in pets at home £2, so she is sorted for a Christmas present

Skint_yet_Again

We had a lovely roast dinner yesterday with some pork leftover. I had some today on a bread roll with apple sauce for lunch. Came home early and took the dog for a run in the park before going to the hospital. She is all better now thankfully. The hospital have now decided my voice problem is muscular damage from my op �� and they are sending me for speech therapy even though last time a different doc insisted speech therapy was not an option ! Oh well who am I to question highly trained doctors. Will hope it works.

More meals from freezer tonight but will need to get a bit of food shopping tomorrow.

Skint_yet_Again

Payday :j

Had a lovely walk on the common with the dog this afternoon it was dry, mild and sunny. Made the most of it as it's supposed to rain tomorrow. Puppy wore herself out running around and spent the rest of the afternoon snoring loudly on the sofa

Managed to get work clothes washed and part dried on the line.

My coop membership card points vouchers have arrived. £8 this year which will buy chocolate for DS stocking fillers. I ordered some doggie wrapping paper from ebay for puppy Xmas presents & DS dog socks from ebay £1.80 really cute covered in Labradors with Santa hats on

Will work out my December budget in morning on my laptop. Posting on phone now on way to bed zzzz

Skint_yet_Again

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
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 300 from DS food & bills
Total monthly income.................... 1410
Monthly Expense Details
Mortgage................................ 214.9
Council tax............................. 140
Electricity............................. 60 & gas
Water rates............................. 46
Telephone (land line)............. 52 & tv/TiVo/internet
Mobile phone............................ 7.52
TV Licence.............................. 12.37
Groceries etc. ......................... 300
Petrol/diesel........................... 30
Car maintenance (including MOT).28.04
Presents (birthday, christmas etc)...... 50
Entertainment........................... 50
union................................... 7.92
annual bills............................ 100
Total monthly expenses.................. 1098.75

Unsecured Debts
Description.Monthly...APR
car.........160.......0
cc1 .........50........0
cc2..........98........0
Total unsecured debts..........0.........308.......-

Monthly Budget Summary
Total monthly income.................... 1,410
Expenses (including HP & secured debts). 1,098.75
Available for debt repayments........... 311.25
Monthly UNsecured debt repayments....... 308

Amount left after debt repayments....... 3.25


Created using the SOA calculator at www.stoozing.com.
Reproduced on Moneysavingexpert with permission, using other browser.


This months budget looks tight and I have to get petrol to travel up north for Christmas but I will use the Birthdays/Christmas fund (saved £50 per month on SOA) for presents & fuel. No need to buy extra Christmas food as I will be staying with family. Car insurance is due but this will come out of household bills account (£100 per month on SOA) so hopefully should be ok.

savingwannabe

Your SOA looks good to me. Your friend must be so pleased that you were there for her. Well done on saving for Christmas. I hope the hospital is able to help you at last.

Skint_yet_Again

I put my tree up today :xmastree:


Also bought a tin of toffee shortbread for DF £5 from M&S. DS's gf brought a tin round last week and they are delish I also get DF an annual subscription to a magazine which he has said he would like to continue, so that will be for his birthday and xmas and the biscuits will be something he can open on Christmas day.


I also arranged to see an old school friend while I'm back up North.


Its been raining all day but I did 2 dog walks and a half load of washing which is drying on airers. The heating was off all day as its quite mild but I put the timer to come on at 6pm and 9pm for 15 minutes each time to keep the evening chill away and dry off the washing.


Tomorrow is the girls xmas lunch and I am really looking forward to it. We are going to a friends at 12 for pre-meal drinks then getting a taxi to the venue where we have a 3 course meal and a glass of prosecco, with coffee and mince pies after and live music for £28 which I have already paid for. I have £30 set aside from last month for drinks & taxi's. I won't be drinking much as I have to be up at 5am on Monday morning for work, but I don't drink much these days so it won't be missed.


I had a look for new clothes on everything £5 today but didn't buy anything. I have hunted through my wardrobe and found something to wear tomorrow and a handbag and new-ish boots. I also found a glittery top I had forgotton about which will do for Christmas.


I hope the rain stops tomorrow.