Get a grip !

savingwannabe

Hooray for waiting. You deserve a treat.

Skint_yet_Again

Good morning, cloudier and a bit cooler today. First load of washing on. Yesterday I did 3 loads, towels, furry throws from living room & DS's work / gym stuff. Today I have my work clothes in already and my bedding later if it stays fine and dry. Have checked online banking and read gas & electric meters & sent online. We get extra divi points with co-op for recording monthly readings but the bills are every 1/4 so next one is due in July.

I went to the car boot sale yesterday and treated myself to 2 bracelets for 50p each. My friend got lots of free tomato plants from a stallholder who was giving them away ! They were a bit straggly but my friend & her husband have an allotment so I'm sure they will revive them. We went to the community centre where she bought 2 dahlias for 50p each and she treated us both to an ice cream 50p. Had a good afternoon for very little money.


When I got home I did a bit of weeding and chopping of shrubs and moved one of the lavender plants from the raised bed to the border opposite, hope it survives. The dianthus pink I bought cheap last month is covered in flowers. Its called raspberry ripple as its dark pink with pale pink round the edges. I am not going to spend any money on plants this month as I have bought clothes.


Later I will cut the grass if it stays dry today.

Skint_yet_Again

I have just discovered that the NatWest bank rewards are being reduced to 2% from 3% from 26 June however at least they have had the decency to reduce the monthly charge from £3 to £2 (pro-rata £2.70 for June). I have recalculated this months SOA with no savings - the money will have to pay my credit card bill this month and I will have to withdraw £100 but the new hoover is worth it

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................ 1086.11
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 455 DS £300 (plus transferred from birthday/xmas account £55 to pay for May birthday spends & long term savings £100 all to pay credit card)
Total monthly income.................... 1541.11
Monthly Expense Details
Mortgage................................ 208
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 134
Electricity............................. 63.17 & gas
Water rates............................. 31.78
Telephone (land line)................... 32.5 plus cable tv & internet
Mobile phone............................ 7.33
TV Licence.............................. 12.12
Groceries etc. ......................... 320
Clothing................................ 0
Petrol/diesel........................... 40
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 28.04 service plan
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 50 DS birthday June
Haircuts................................ 40
Entertainment........................... 50
Holiday................................. 0
Emergency fund.......................... 0
union fees.............................. 7.84
rewards bank fee........................ 2.7
credit card............................. 332.44
Total monthly expenses.................. 1359.92

Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 0........(208)......0
Total secured & HP debts...... 0.........-.........-
Unsecured Debts
Description....................Debt......Monthly...APR
car............................0.........160.......0
Total unsecured debts..........0.........160.......-

Monthly Budget Summary
Total monthly income.................... 1,541.11
Expenses (including HP & secured debts). 1,359.92
Available for debt repayments........... 181.19
Monthly UNsecured debt repayments....... 160
Amount left after debt repayments....... 21.19


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

Skint_yet_Again

Got one load of washing done. Went for a walk and saw lots of wildlife on the nature reserve including baby ducks on the pond and a red admiral butterfly. Slept for an hour when I got back and didn't get round to cutting the grass.


However I have done some decluttering and sorted 3 black bags of unwanted stuff from the kitchen. Lots of plastic beakers and drinks bottles past their use and some empty decorative tins and old white plastic ice-cream tubs. DS also parted with a few bits and pieces. We are both terrible hoarders, I tend to keep anything I think may "come in useful" for years and DS keeps anything sentimental he's ever been given or used as a child, even if its broken or past any use, so this was a good day !

savingwannabe

Well done I decluttered a bit too. Have a good day at work tomorrow.

Skint_yet_Again

New manager today at work. He seems ok, time will tell. Went to shopping after work for dorset cereal for DS & got him some birthday gifts whilst I was there - lindt choc & Lynx shower gel both on offer. Just got a few things for him to open on the day, also a dvd & some old spice body spray bought on offer totals about £12 and the rest will be cash.


I buy a lot of pre-loved dvd from amazon (music magpie) as birthday gifts / stocking fillers for him, he doesn't care that they are not new as I only buy good condition ones - you can't tell they are not new and they have all been excellent quality, some are as little as 1p with £1.28 delivery. I have some silver glittery wrapping paper left over from Christmas so I shall use that to wrap them in, you can't tell its xmas paper


Its been raining since I got home, not much done today have been lazing around in front of the tv.

savingwannabe

I think your gifts are really nice. I bet he will be chuffed. Its howling a gale outside here. Yuk. At least I don't need to water the plants.

Skint_yet_Again

What an awful night, howling gales and rain kept me awake. Work was ok today. I got a :money:big mac & fries for £1.99 for lunch and then went to my hairdressers house and had a lovely relaxing afternoon having my hair done. Budgeted for it this month, its £40 every 6-8 weeks. DS is out for dinner tonight so no cooking required, I have a tin of tuna and will have some salad. Food shop tomorrow & will pick up my new clothes from Matalan

savingwannabe

We had horrid gales too. I hope it all calms down!

Glad you had haircut and a £1.99 meal and are going to collect your new clothes. It's all falling into place. All in all it sounds v nice:T

Skint_yet_Again

Work over for another day. Its a struggle this week, roll on Friday.

Trip to Aldi after work shopping was £48.74
total so far £153.61 / £320.

Had a text from pharmacy at 12 stating my prescription was ready for collection but when I arrived at 1.20pm it wasn't ready :(I waited 15 minutes and was lucky that I double checked the bag before I left as they had given me the wrong tablets ! :eek: As they are new I wasn't sure and the pharmacist said they were on the prescription but it turns out I was correct after having to persuade the pharmacist to check the prescription he admitted they were wrong and changed them !!

After unpacking shopping and some lunch I am too tired to go out again, so I will pick up my Matalan order tomorrow.