Get a grip !

snozberry

I loved watching Alvin Hall's tv programme. I still have the book somewhere

savingwannabe

I'm going to watch it on 'Catch Up'.

Skint_yet_Again

payday tomorrow :j
Took porridge to work for breakfast & have just had some leftover slices of roast beef from the freezer with quick curry sauce (1 tablespoon gravy granules & 1 tablespoon curry powder) & half pack micro rice. Have a chicken in the fridge to roast later with potatoes and veg & then that's it - fridge and freezer looking very empty. Will go shopping tomorrow.


Good things for Feb -
saved £100 into long term savings
saved £50 in xmas account
saved £128 into holiday account (council tax free month)
saved just under £50 from grocery budget (into bills account)
saved £10 from petrol budget - carried forward
met up with a new lovely friend
have done some de-cluttering
bank rewards - £3.72

Plans for march -
-lose 3lb (weighed myself and am 3lb up on pre operation weight)
-save £100 into long term savings
-save £50 into xmas account
-save £128 into holidays account (council tax free month)
- another £3.72 bank rewards
-save £100 into bills account - line rental saver due for renewal, house insurance due may & 2 fence panels being replaced Easter
-more de-cluttering and put spare wardrobe on gum tree
-get out more - do more socialising now the weather is getting warmer but within budget of course

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................ 1076.75
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 280
Total monthly income.................... 1356.75
Monthly Expense Details
Mortgage................................ 208
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 128 (2 free mth holiday fund)
Electricity............................. 65 dual fuel
Gas..................................... 0
Oil..................................... 0
Water rates............................. 44
Telephone (land line)................... 0
Mobile phone............................ 7
TV Licence.............................. 12.12
Satellite/Cable TV...................... 0
Internet Services....................... 38 TV bband phone TiVo/HD
Groceries etc. ......................... 300
Clothing................................ 0
Petrol/diesel........................... 40
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 28.28
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
Haircuts................................ 0
Entertainment........................... 50
Holiday................................. 0
Emergency fund.......................... 0
union fees ............................. 7.76
savings for bills....................... 100 (car/house ins line rent house maintenance
long term savings ...................... 100
Total monthly expenses.................. 1178.16

Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 500 emergency fund
Total Assets............................ 0

Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 29738....(208)......2.25
Total secured & HP debts...... 29738.....-.........-
Unsecured Debts
Description....................Debt......Monthly...APR
parents car loan...............5420......160.......0
Total unsecured debts..........5420......160.......-

Monthly Budget Summary
Total monthly income.................... 1,356.75
Expenses (including HP & secured debts). 1,178.16
Available for debt repayments........... 178.59
Monthly UNsecured debt repayments....... 160
Amount left after debt repayments....... 18.59
Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -29,738
Total Unsecured debt.................... -5,420
Net Assets.............................. -35,158
Created using the SOA calculator at www.stoozing.com.
Reproduced on Moneysavingexpert with permission, using other browser.




I have updated my SOA with the new gas/electric and increased bills/food money from DS. I am planning to have as much fun as possible on that £50 entertainment budget ! I must look at tv phone & b/b deals too or try and barter down with VM this month

savingwannabe

Good. If they don't agree to a big reduction threaten to leave. Well done on having a plan. I have got to get one. I just spent my entire Christmas fund! lol.

Skint_yet_Again

Well you know the old saying about "best laid plans ..." hopefully nothing will crop up but if I see a bargain you never know


I have spoken to my dad about the tile stickers as I got no replies to my post on the In your home board and I am not going to buy them. He thinks they will be too close to my gas hob - naked flame and all that - its a shame as they did look good but don't want to risk it.

Maiden_Mum

Wow, you did well with your savings this month skintyetagain!

Shame about the tile stickers, they sounded like sucha good idea!

savingwannabe

Ive seen them used on tv shows where they decorate houses and I am surprised they are not fire retardant (how do you spell it?) seeing as they are likely to be used in a kitchen or bathroom. Still at least you know before you find out.

Someone suggested to me that we can paint on the tiles but I don't know which paint. Mine need doing too.

Skint_yet_Again

I know they were a bargain too MM - perhaps I should buy some and flog them on ebay ... I found the same ones on amazon and they are much more expensive !


SW - They are heat resistant up to 60-80 degree C (140 - 176 degree F) but warning keep away from fire source at least 30 cm from flame - they would not be far enough away from my gas hob

Skint_yet_Again

Payday :j


We have food again ! Shopping budget March £55.30 / £300


I have been fancying pizza for days since being inundated with voucher codes by email & text & through the letterbox so I treated myself to a sweet chilli chicken pizza from aldee £1.39 for lunch... I am stuffed


Online banking done & council tax-free month money £128 moved into holiday account. That's £256 and should be enough for petrol & visit to family in the summer :T