Working Hard Debt Diary - Here goes

WorkingHardDFW

CV updated, 6 jobs applied for, 1 few left over choccies eaten.....

off to pedal to school to get DS's then to swimming lessons then back home again. I'm thinking that will work off the choccie's !!

Happytogetdebtfree

hehe ah working you are doing good, well done on teh job apps are they better paid ? fingers crossed im sure youw ill get call backs for them all x

WorkingHardDFW

I'm not sure I will HTBDF but they are all better paid so I guess its a case of attrition!

Liking the new siggie by the way

Happytogetdebtfree

i think you will infact believe that you will no negs just positives im shattered x

WorkingHardDFW

I've had quote a roller coaster week this week with work. The upshot is that I am extremely fed there and therefore need to take positive action to find another job. Its in hand, CV polished and 6 applications in the pipeline however when you make your mind up its like you jsut want to be out of there! Moan over

I've done quite a bit of exercise this week. Walking, cycling and swimming! Mind you I've eaten some rubbish as well....

We've stayed well within the petrol budget this month but the food budget is overspent . There's always one. I guess it evens out.

Still struggling with OH's expenses and I'm clear our system is still not working. We both pay for petrol for travelling on business and claim back miles travelled as expenses. Mine's fairly static so I know what to expect and I always under budget it, plus I receive it with my pay. No problems there. OH's varies enormously and generally I underestimate at about £200 coming in extra each month. However for the last couple of months its been £78/£120 since he worked from home a lot more. Therefore this leaves the monthly figures short - I hope this makes sense!

I'm comtemplating not including OH's expenses income in the monthly figures at all. Rather budget within main income and any expenses is extra which goes straight off the debt. I desperately don't want to be slowly cranking up the debt again which if there is s shortfall each month or even every other month unless it gets paid off will run up the debt. If I do this is means I can pay £150 off the debt each month plus OH's expenses when they come in which vary between £78 and £350.

We've tried various ways of doing this but can't quite get it right.

If anyone's got any suggests I'd welcome them...

Payday next week

Lemon_Tree

what you're suggesting makes sense to me, if you can't be sure what your OH's expenses will be then it's best to try and budget without them and then what ever comes in is an added bonus. I'm assuming that as he's been working from home that his petrol has been proportionately reduced.

hypno06

Makes sense to me too.

Enjoy the rest of your weekend x

Happytogetdebtfree

Makes sense to me too, i have no clues on good budgetting i am trying to learn xx

WorkingHardDFW

Thanks all for the comments.

LT - Yes when he's had a period working at home then the petrol costs are reduced that month. The biggest issue is that there is a monthly lag with getting the cash back. Hopefully my two years of spending diary has now given me right estimate for our petrol costs.

H & HTBDF - I'm going to go with my gut feel and not count OH's expenses in the monthly income. I'll count mine but these are static and I receive them with my pay so its not a problem. This means that the spare cash to throw at the o/s debt is £150c however any expenses received later in the month will go off the debt.

The spare cash doesn't seem like much at present but we are of course paying £500 extra off the mortgage as well.

Happytogetdebtfree

good good ive just bought myself some glass jars for money management ive been listening to harv eker hes really good ... good luck with the expenses have you had a nice weekend