Get a grip !

Skint_yet_Again

Dry breezy but cloudy day yesterday (Saturday).
Walked the dog. One load of work clothes washed & hung on line. Mostly dried outside & finished on airers when heating came on in the evening.

Spent £4 in co-op. Bought grapes £2 .... & 2 packs of chocolate bars £1 each I think my brain tells me they are reduced to £1 each and so they are a bargain so I must buy them I must have more willpower and resist the chocolate! Still on budget for grocery shopping.

I made a roast with curry paste which I saw on eat well for less. It was delish Carrots, parsnips, cauliflower, potatoes & butternut squash tossed in curry paste. Chicken on top of veg covered in the rest of the curry paste & bunged into oven. My kind of cooking Was a nice twist on a roast dinner/ curry and there was enough for 4 dinners and some extra shredded chicken leftover that I can throw together with noodles or rice and a few stir fried veg. I portioned up the extras and put in the freezer.

savingwannabe

Your roast sounds great!!!! Don't worry I spent £8 in Waitrose on snacks including two packets of Maltesers which I gobbled up pretty quick in my day out yesterday. lol. So cross with myself.

It's raining like crazy here I hope you are ok.

Skint_yet_Again

Had an email from deliver oo today saying I haven’t ordered for a while and gave me £7.50 credit. So I ordered a takeaway earlier for tea as the others are at work and I am home alone with the dog and I cba to cook ! I had chicken, fries & pepsi & with delivery the total cost was 70p :beer:

Skint_yet_Again

Went into town yesterday with a friend for lunch. We went to the Chinese cafe and I had chicken, peppers & blackbean sauce & egg fried rice & cup of tea for £5.70

I also bought a new top using my Christmas presents money that DF gave me, half price £12 and a new handbag £12.

Came home & walked the dog on the common in the sun.

Back to cold & rain today !

savingwannabe

Hurrah to the yum Chinese meal and the great shopping!!!! It is cold here too and quite foggy earlier. It's nearly Friday.

Skint_yet_Again

Payday :beer: and council tax free month :j


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................ 1138.34
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 190 bills from DS & gf
Total monthly income.................... 1328.34


Monthly Expense Details
Mortgage................................ 227.5
Electricity & Gas ....................... 80
Water rates............................. 47.8
Mobile phone............................ 8
TV Licence.............................. 12.37
Internet Services....................... 50.5 & TV/landline
Groceries etc. ......................... 120
Petrol/diesel........................... 40
Car maintenance (including MOT)......... 50
Presents (birthday, christmas etc)...... 50
Entertainment........................... 50
Holiday................................. 148
physio massage.......................... 20
dog food................................ 15
union fees.............................. 8.54
annual bills ........................... 100
Total monthly expenses.................. 1027.71


Monthly Budget Summary[/b]
Total monthly income.................... 1,328.34
Expenses (including HP & secured debts). 1,027.71
Available for debt repayments........... 300.63
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 300.63




Created using the SOA calculator at www.LemonFool.co.uk.
Reproduced on Moneysavingexpert with permission, using other browser.


£100 annual bills includes car & house insurance, car breakdown cover, car tax, haircuts, clothes, green bin for garden waste (cost shared with neighbour)


Car fund covers MOT & Service, tires, repairs etc


February = £300 into Savings :T
Council tax money into holiday fund to visit family up north

savingwannabe

Skinty this looks wonderful. It's so good that you have room to breathe now. Hurrah hurrah hurrah. Onwards and upwards my friend.

Have a lovely weekend.

Skint_yet_Again

Had a lovely day today. My physio came this morning and I had a massage £20 budgeted for, and then I went out with friends for lunch and we had 2 for 1 cocktails. This was a treat and was much more expensive than my normal under a tenner budget, but will be paid for from my February entertainment fund. £36 including taxis there and back. Had a lovely afternoon and lots of chat and laughter. There will not be so many meals out this month, but we are going for a cheap lunch on 15th. Nothing else planned.


The sun has been out all day and DS's girlfriend has walked the dog. I have just got home and am just chillin for the rest of the evening now.

Skint_yet_Again

Have been thinking more and more about early retirement lately and it’s been on my mind this morning.

It has always been my intention to sell my large 3 bed house and downsize to be mortgage free with a fair lump sum left over. I don’t want to struggle with cleaning and maintenance on my own.

So with that in mind I have worked out my budget to see how much pension I would need to pay bills and have a car and some quality of life. Let me know if there is anything I have missed.

Retirement /No mortgage
Council tax £100 - single person discount
Annual bills £100 - based on current car/house insurance, car tax, haircuts, clothes, glasses, dentist, Breakdown cover / house maintenance painting & decorating, massage once a month.
Tv licence £12.37 freeview
Mobile phone £8
Water meter. £20
Gas/electric. £40
Food. £120
Petrol. £40
Car maintenance £50 - Mot / service / tyres/ maintenance etc
Xmas birthday £50
Entertainment. £50
Prescriptions £0 - free
Eye tests. £0 - free

Total. £590.37

I need to find my company pension forecast and checkout the lump sum & monthly pension. I am 52. I do not get my state pension until I’m about 68.

Skint_yet_Again

Have looked at my work pension and don’t think I will be retiring early

However at least I have an idea of my budget without a mortgage if I sell up and downsize in the next few years while I’m still working.

Shopping at Aldi today £33.32 / £120. Slightly over £30 a week but some things will carry over to next week.