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Get a grip !

edited 25 November 2018 at 8:52AM in How much have you saved?
2.2K replies 175K views
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  • savingwannabesavingwannabe Forumite
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    It was even hotter today. Hope you are ok and having a good weekend. :beer:
    Trying to be frugal 18/31Jan; 15/29 Feb 26/31 March 23/30 April 18/31 May 20/300 Jun NSDs.
    Saving change in money box.
  • edited 29 June 2019 at 5:37PM
    Skint_yet_AgainSkint_yet_Again Forumite
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    edited 29 June 2019 at 5:37PM
    Wow its been scorchio today !


    I walked the dog early this morning to avoid the heat. We have been under the sun shade and dipping our feet in the paddling pool all day to cool down :rotfl:


    DS got in from work at 2am and his gf went to work at 8am. Me and DS had burgers on the BBQ for lunch :D I have done 2 loads of washing before and after the BBQ but not much else done today.


    Here's the budget for July


    Statement of Affairs and Personal Balance Sheet
    Monthly Income Details

    Monthly income after tax...1122.96
    Other income............... 190 bills from DS & his gf
    Total monthly income.... 1312.96

    Monthly Expense Details

    Mortgage................... 227.4
    Council tax................ 148
    Electricity................. 70 & gas
    Water rates................. 49
    Mobile phone............. 7.55
    TV Licence............... 12.37
    Satellite/Cable TV....... 51 Tivo / broadband/phone
    Groceries etc. ......................... 120
    Petrol/diesel........................... 40
    Car maintenance (including MOT)......... 25
    Presents (birthday, christmas etc)...... 50
    Entertainment........................... 50
    Emergency fund.......................... 100
    dog food ............................... 10
    union fees.............................. 8.54
    annual bills ........................... 100
    Total monthly expenses......1068.86




    Secured & HP Debts[/b]
    Description..........Debt......Monthly...APR
    Mortgage.............. 0........(227.4)....0
    Total secured & HP debts...... 0.........-.........-

    Unsecured Debts
    Description..Debt......Monthly...APR
    car...............0.........160.......0
    cc................0.........50........0
    Total unsecured debts....210.......-


    Monthly Budget Summary

    Total monthly income.................... 1,312.96
    Expenses (including HP & secured debts). 1,068.86
    Available for debt repayments........... 244.1
    Monthly UNsecured debt repayments....... 210

    Amount left after debt repayments....... 34.1


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


    car/house insurance, car tax, breakdown cover, haircuts, clothes, paid from annual bills savings £100 per month




    0% credit card £1360 ~ paid in full
    0% Car Loan £7500 ~ paid in full
    JAN 2020 = NOW DEBT FREE :)
    Emergency fund £1000 now 51 and saving for retirement !
  • edited 1 July 2019 at 3:19PM
    Skint_yet_AgainSkint_yet_Again Forumite
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    edited 1 July 2019 at 3:19PM
    Hot again today but not as bad as Saturday ! DS walked the dog this morning so I will walk her tonight when it has cooled down.

    I have £120 for grocery shopping in July it was £100 but I have given myself an extra £20 for cans of Pepsi max & ice creams in the heat. Shopping in aldi today £27.77 including dishwasher tablets, handwash, washing up liquid & 9 toilet rolls. £4 in co-op for 12 cans Pepsi max.

    Grocery budget £31.77 / 120

    Meals this week-

    Breakfast porridge & banana or scrambled egg

    Lunch - sandwich (tuna or cheese or egg roll) crisps

    Dinners -
    Gammon, chips or jacket potato, salad, tinned pineapple
    Chinese chicken & egg fried rice
    Sweet chilli chicken & salad
    Fish pie & veg
    Pulled pork, chips & tinned sweetcorn
    Spag Bol
    Sausage & mash - half price

    Snacks / dessert - tinned pineapple, tinned peaches, yoghurt.

    I am out to lunch with a friend tomorrow we are going to local pub 2 for £9.99 DS is off work so he will walk the dog so I can just chill out for the afternoon
    0% credit card £1360 ~ paid in full
    0% Car Loan £7500 ~ paid in full
    JAN 2020 = NOW DEBT FREE :)
    Emergency fund £1000 now 51 and saving for retirement !
  • savingwannabesavingwannabe Forumite
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    Well done on a good food shop. Your meal prep looks great.

    I hope you enjoy your meal with friend tomorrow. Weather was gorgeous today. It's going to last for at least a week. :j:T
    Trying to be frugal 18/31Jan; 15/29 Feb 26/31 March 23/30 April 18/31 May 20/300 Jun NSDs.
    Saving change in money box.
  • pinknsparklypinknsparkly Forumite
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    Hope you enjoyed lunch with your friend Skinty! And I'm definitely on board with allocating an additional £20 to ice cream and Pepsi max in this weather!!

    Your meal plan sounds fab - we had fish pie last night too. Both of the BBC good food recipes I found said to add hard boiled eggs to the pie though, I'd never ever come across that idea before :rotfl: Gammon and pineapple is amazing, I love that dinner and so rarely have it! I'm going to have to keep my eyes peeled for cheapo gammon now :beer:
    MFW2020 challenge #99: £2,367.60 / £3,600
    MFiT-T5 (Jan 2019 - Jan 2022) challenge #99: £13,363.81 / £30,000
    Initial MF date (18th Dec 2018): Jan 2054 Current MF date: Sep 2051 :D
    Last updated: 31/05/2020
  • Skint_yet_AgainSkint_yet_Again Forumite
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    Eighth Anniversary 1,000 Posts Name Dropper
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    Had a lovely meet up with friend. We had a lunch time meal deal I had toasted sandwich, Chips and a drink for £7.49.

    Today me & DS's gf took the dog to the foreshore and the dog went for a swim which she enjoyed & cooled her down

    I am out for dinner tomorrow. The entertainment fund is taking a battering this week !

    I have been working out my finances for when my car is paid off in January. It will free up £160. I will pay £150 plus the usual £50 towards paying off the 0% credit card. Once that is cleared I will pay £200 a month to my emergency fund up to £1000. Once that is reached I will pay £200 a month into a savings account. I know I shouldn't wish my life away but roll on January so I can pay off all my debt and start saving again.
    0% credit card £1360 ~ paid in full
    0% Car Loan £7500 ~ paid in full
    JAN 2020 = NOW DEBT FREE :)
    Emergency fund £1000 now 51 and saving for retirement !
  • savingwannabesavingwannabe Forumite
    15K posts
    Tenth Anniversary 10,000 Posts
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    Well done on a walk by the beach. The food is v value for money and you are within budget so it's fine!

    It's fantastic that you will pay off the car by Dec. Then you and I will be both saving together. :j:T
    Trying to be frugal 18/31Jan; 15/29 Feb 26/31 March 23/30 April 18/31 May 20/300 Jun NSDs.
    Saving change in money box.
  • Skint_yet_AgainSkint_yet_Again Forumite
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    Eighth Anniversary 1,000 Posts Name Dropper
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    Had a day in town yesterday with a friend which was a bit spendy but mostly birthday money :D I got two pairs of strappy sandals in the sale £9.99 and £14.99 (it has been raining here in the night and more rain now forecast - typical !! :rotfl:) and spent my £20 gift card in body shop. They had a 3 for 2 offer on so I got loads for my money. :p Also picked up two tubes of nivea face cream £1 each in savers. We had lunch & drink in a Thai cafe - I had chicken pad Thai yummy ! Cost £8.49 and then later we went to the ice cream parlour and I was very naughty, 1 scoop of fererro rocher and 1 scoop of snickers ice cream £3.50 :D
    DS & his gf were on rest days so they walked puppy dog.

    The rain in the night has cooled the air outside. Dog has just been fed and is snoozing, I will walk her later this morning and DS & his gf will take her to the woods later this afternoon / evening. I am going to do some ironing and decluttering later. Just realised I haven't posted last few weeks of my list

    Decluttering week 25 w/ending 23 June - mouldy old bath mat binned. Bottles /glass jars to bottle bank

    Week 26 w/e 30 June - 2 old coats not worn for years in charity bag.
    0% credit card £1360 ~ paid in full
    0% Car Loan £7500 ~ paid in full
    JAN 2020 = NOW DEBT FREE :)
    Emergency fund £1000 now 51 and saving for retirement !
  • savingwannabesavingwannabe Forumite
    15K posts
    Tenth Anniversary 10,000 Posts
    ✭✭✭✭✭
    Your meals out always sound so good! :jGlad weather has cooled a bit. Hope you have a good day today. :)
    Trying to be frugal 18/31Jan; 15/29 Feb 26/31 March 23/30 April 18/31 May 20/300 Jun NSDs.
    Saving change in money box.
  • edited 10 July 2019 at 10:08PM
    Skint_yet_AgainSkint_yet_Again Forumite
    4.5K posts
    Eighth Anniversary 1,000 Posts Name Dropper
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    edited 10 July 2019 at 10:08PM
    Grocery shopping week 2 today in aldi today came to £31.67 including 9 pack toilet rolls and 2 packs ice cream. I am hoping the food will stretch to next Friday (week 3) apart from more salad and fruit.


    Breakfast - banana and yoghurt or scrambled egg/omelette


    Lunch - ham/tuna/cheese roll & crisps


    Dinners -
    Chinese chicken & egg fried rice
    Chicken, stir fry veg & 27p curry noodles (tonight's dinner)
    pulled pork & salad wrap,
    fajitas
    chicken & halloumi tray bake (roasted veg, new potatoes)
    Steak & chips & salad, tinned sweetcorn
    1/2 medallion steak & leftover halloumi with stir fry veg/salad in a wrap
    1/2 sliced medallion steak & stir fry veg & egg fried rice
    Chicken tikka masala ready meal


    Desserts - ice cream, tinned pineapple, yoghurt, tinned peaches


    Decluttering is still continuing -
    week 27 week ending 7 July - old drinking glasses to tip, large unused eczema cream expired april 2018 in bin. I did a trip to the (tip) recycling centre and got rid of a car load of cardboard, unwanted/broken kitchen stuff previously sorted and DS's old quilt and pillows.
    0% credit card £1360 ~ paid in full
    0% Car Loan £7500 ~ paid in full
    JAN 2020 = NOW DEBT FREE :)
    Emergency fund £1000 now 51 and saving for retirement !
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