Get a grip !

savingwannabe

Everyone is allowed a day off don't worry to have treats. All the food that you listed on here is fantastic. I watched hoarding programme too to inspire me! lol. It's the weekend and one week till payday.

Skint_yet_Again

Thanks SW. Time will tell when I weigh in on Sunday. 😬

I have booked a trip to the tip next Thursday after work. So far 2 bags in shed & box full in utility room. Plus starting to go rusty microwave, broken mini folding bbq & broken sun parasol. More to be sorted this weekend !

MovingForwards

That's a bit sorted already 🤗

Skint_yet_Again

Walked for an hour this morning it was lovely & sunny but very windy. Picked 2 apples & shared them with puppy dog. 

Had the rest of the sardines in tomato sauce mashed on toast for breakfast. Food for the rest of the day will be sausage, Moroccan couscous, roasted veg & halloumi for lunch & home made beef curry from the freezer with broccoli & peas & 1/2 pack micro rice for dinner. Snacks will be fruit, nuts, yoghurt. 

Have sorted 2 carrier bags of spare coat hangers & not sure if charity shops take them. Will phone a few & ask, otherwise they will go to the tip. I have a few other items of clothing & my pressure cooker, which is now too heavy for me to lift, which can also go to the charity shop. 

MovingForwards

If you are on FB, mark3t plac3 or local selling groups, it may be worth a quick advert to see if anyone wants the hangers.

Meals sound delicious and perfect for a day like today 🌞

Skint_yet_Again

Have sorted another bag of stuff for the tip. Had an afternoon snooze & woke up fancying kfc but have managed to resist ☺️ 

Checked online banking cash remaining £88.  I will need some shopping next week but after making chilli last night for the freezer I shouldn’t need much 

Breakfast - 

Porridge & banana

Weetbix & banana

Egg on Toast

Cheese on toast

Lunch -

Ham salad & potato salad

Egg mayo roll

Pulled pork & salad wrap

Dinner -

1 x Chicken Balti & rice(froz)

1 x Beef stew (froz)

1 x breaded Fish, Chips & mushy peas

4 x Chilli 

1 x Peri peri Chicken & halloumi with roasted veg. (1/4 bottle Nando’s sauce left)

4x pork & bean stew 

Snacks -

Fruit (apples, tinned pineapple, tinned peaches)

Malt loaf

Yoghurt

Cottage Cheese /oat cakes

Hard Boiled egg 

Nuts 

I will need bananas, salad, cottage cheese, eggs, yoghurt, loaf of 50/50 bread, milk. 

I will also check what is included in the super 6 & buy if I can use it or freeze it. Still have a tin of pineapple & tin of peaches & apples in fridge, so I shouldn’t need much fresh fruit, just bananas. 

Whatever money is left by payday I will put into my emergency fund. The cheque from DF will cover credit card bill for the dishwasher I bought for him online & the underwear I ordered which should arrive next week. Will ring the pet insurance again on Monday. 

MovingForwards

You're doing so well with the clearing 🤗
Meals sound great, as do your financial plans!

Skint_yet_Again

Just back from dog walking. The wind has dropped & the cloud is breaking up. May get a load of washing done later. 

Weight today 10st 13 🤗 lost another lb this week. So glad to be under 11st and my jeans are not as tight on my waist ☺️ 

Food plans today 
B - 2 wheat bics & banana, skimmed milk
L - paprika pork & bean stew from freezer 
D - peri peri chicken, last 1/2 pack halloumi & roasted veg (peppers, courgettes, onions, mushrooms, broccoli with couple sprays of 1 cal) with skinny fries 
Snacks - melon, strawberries, nuts or cottage cheese & oat cakes. 

Skint_yet_Again

I have been working out my budget for September. I know it’s a bit premature as I don’t get paid until the 28th but I want to be on track from payday. I’m working from home & still have petrol in the car so shouldn’t need any in September (usually £40 a month). I pay council tax over 10 months & the extra 2 months is paid into my holiday fund for petrol up north to visit family 

[font=courier new][b]Statement of Affairs and Personal Balance Sheet[/b][b]

Household Information[/b]

Number of adults in household........... 1

Number of children in household......... 

Number of cars owned........ 1[b]

Monthly Income Details[/b]

Monthly income after tax................ 1146.9

Partners monthly income after tax....... 0

Benefits................................ 0

Other income................... 190[b]. Bills money from DS & his gf

Total monthly income.................... 1336.9[/b][b]

Monthly Expense Details[/b]

Mortgage....................... 219.9

Council tax....................... 154

Electricity & gas.......          80

Water rates..................... 41.60

Mobile phone.................. 8.35

TV Licence...................... 13.2

Satellite/Cable TV............ 53.5
(Includes TV M+ landline, free weekend calls to 01/02/03 & internet & 1 TiVo box & 1 HD box)

Groceries ...................  120

Car maintenance (including MOT)........................... ....... 50

Presents (birthday, christmas  50

Emergency fund.................. 50

Annual bills ....................... 100

Dog food fund..................... 15
(included in bills money from DS)

Union fees ........................ 8.66

Long term savings ........... 300[b]

Total monthly expenses.................. 1314.21[/b]

[b]

Secured & HP Debts[/b]

Description....................Debt......Monthly...APR

Mortgage................(219.9)....0[b]

Total secured & HP debts...... 0.........-.........-   [/b]

[b]Unsecured Debts[/b]

Description....................Debt......Monthly...APR[b]

Total unsecured debts..........0.........0.........-  [/b]

[b]

Monthly Budget Summary[/b]

Total monthly income.................... 1,336.9

Expenses (including HP & secured debts). 1,314.21

Available for debt repayments........... 22.69

Monthly UNsecured debt repayments....... 0[b]

Amount left after debt repayments....... 22.69[/b]

[i]Created using the SOA calculator at www.LemonFool.co.uk.

Reproduced on Moneysavingexpert with permission, using other browser.[/i][/font]


£100 annual savings covers 
Annual Bills = £100 x12=

£1200

Car Ins - £217 Due Dec 2020

Breakdown cover £68.32 Due jan

Garden waste bin £23 due Jan 

(1/2 share with neighbour)

Car tax - £125 Due Feb

House Ins- £196 Due may 2021 buildings & contents

Hair £21 pm x 12 = £252

(Hair cut & colour £42 every 6-8) weeks 

Clothes - £100 

Total annual bills = £981.32. Remainder for house maintenance/ repairs = £218.68 also covers dentist / glasses. I get free Medical prescriptions & eye tests. I get glasses when on offer last 2 pairs from glasses direct £22 & this year I got 2 pairs of prescription sunglasses £22

Dog food fund is money paid to me by DS as we bulk buy from a supplier up north when I go to visit family 

MOT- service - tyres & repairs is a separate Fund =£50 pm 

MovingForwards

Congratulations on the weightloss 🤗
Budget looks good, as always. It's easier to plan on the weekend in advance of payday!