New challenges for OrangeFairy 😝

in Debt Free Diaries
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  • OrangeFairyOrangeFairy Forumite
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    Income after tax and pensions
    Hubby 2040
    Me 1708
    Total 3748

    Hubby outgoings
    Mortgage 931
    Car finance 375
    Car service plan 30
    Phone and broadband 32
    Fuel 140
    Money to his son 80
    Mobile 19
    Car tax and ins 70

    Total £1677
    Left £363

    My outgoings
    Electric and gas 85
    Water 75
    Tv license 14
    Council tax 170
    Clubs 25
    Life ins 60
    House ins 25
    Food 250
    Phone (me and DDs) 40
    Transport bus 20
    Netflix 10
    School dinners 50
    Pocket money 35

    Total 859
    Left over 849

    Total household disposable income £1212

    So it’s not bad.

    Out of this left over figure I need to make a budget to cover all sorts of expenditure like presents, entertainment, Xmas, holiday, savings etc
    This is my challenge over the next week

    I will be sending hubby £200 a month to even out our left over :p

    Right off to pack for Glasgow
    Orange Fairy
    House Purchased April 19 :) CC1=? CC2=? DH CC= Mortgage Overpay = £0 Savings = £0 Xmas savings = £0 Weightloss = 0 lb


  • PurpleFairy26PurpleFairy26 Forumite
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    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
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    Hey OF was thinking of you the other day when I was looking through some old subscribed diaries and wondered how you were doing. Excellent news on the house :D
  • OrangeFairyOrangeFairy Forumite
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    Hi PF- another familiar ‘face’....how are you?

    It seems like an age since I was on here properly but it is a place that motivates me ��
    Orange Fairy
    House Purchased April 19 :) CC1=? CC2=? DH CC= Mortgage Overpay = £0 Savings = £0 Xmas savings = £0 Weightloss = 0 lb


  • OrangeFairyOrangeFairy Forumite
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    Well we are currently in Scotland.... picked up our new car and am now travelling back home to Devon over two days!

    What a trek......car-plane-bus-train-taxi from our Devon door step to our Scotland travelodge!

    Need to buy meals out but will try and keep costs a minimum!

    Payday today! Woohoo x
    Orange Fairy
    House Purchased April 19 :) CC1=? CC2=? DH CC= Mortgage Overpay = £0 Savings = £0 Xmas savings = £0 Weightloss = 0 lb


  • princesspenniesprincesspennies Forumite
    55 Posts
    First Anniversary Xmas Saver!
    Following along :)
  • Choccygirl123Choccygirl123 Forumite
    957 Posts
    Sixth Anniversary 500 Posts
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    Sounds like an epic journey, but worth it for a lovely new car! Good luck with your debt busting.
  • jwiljwil Forumite
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    Part of the Furniture 10,000 Posts Name Dropper Photogenic
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    Happy new car and have a good trip back :)
    "If you can dream it, you can do it". Walt Disney
  • OrangeFairyOrangeFairy Forumite
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    Thanks all!

    The car is fab....it’s a big monthly cost though- I’m hoping he’ll get it out of his system and realise it great to have a fast car but there’s not much point when you can’t use the speed on your day to day usage. Hopefully he’ll enjoy it for 2 years and then we can drop to a more sensible priced car and save some money. Until then I’m sure it will make him happy :)

    So decisions made to help debt busting

    1. No more gin purchases- that makes me sound like an alcoholic. I discovered I liked gin last October and so have been buying a new bottle a month and people keep buying it for me as presents. So I currently have 2 gin shelves in my kitchen- lots of our bottles are £40 bottles so there’s about £600 worth up there! We literally only have about 2 drinks a week so I think I’ll have enough for a while. I like the collecting more than drinking it.

    2. Start actively making cheap meals

    3. Sell a load of the stuff I had planned to keep for grandchildren as it is all stuff that’s quite big anyway

    4. Stick to birthday budgets- this is where I end up with debt is buying presents for other people!

    5. Budget every penny

    6. Hubby has £3.5k in his account which he had saved for the car deposit- however the car deposit was put on his 0% credit card for 29 months so we are going to keep the 3.5k in savings and pay off the card. I think the savings post will give us a mental boost

    7. Smash money pot as there is hardly anything in there and I am sure there are old pound coins I need to sort

    8. Start joining in with MSE challenges to motivate

    9. Decided doing the garden will have to wait for next year when we have funds. This year we will just pot some plants and make the most of what we have.

    Positive points for June

    I looked though my birthday card stash and I have enough to cover every birthday
    We have a lot in the freezer for dinners
    Daughter is now sorted for clothes and trainers for the summer
    Hubby and I are healthy eating so less snacks will be purchased
    Not many family birthdays to buy out for for a change
    I am motivated :)

    Negative points
    Family festival- we have a festival for a weekend so will be buying drinks and food
    Father’s Day!!!
    DD1 finishes GSCEs so need to arrange a little celebration
    Prom so need to pay out for re-sizing and jewellery for DD1

    So there are definitely some big costs this month!

    Today’s plans
    Only spend should be cheese and a sweet potato
    Meal plan for rest of week
    Write out June spends
    Sort a month budget
    Pay bills
    Nail down debt values
    Look at flights for holiday ideas
    See cousin for her birthday (found a candle I had bought to give her a while back- nearly forgot)

    Finishing work at 2.30! Woohoo!

    Have a great day all!

    OF x
    Orange Fairy
    House Purchased April 19 :) CC1=? CC2=? DH CC= Mortgage Overpay = £0 Savings = £0 Xmas savings = £0 Weightloss = 0 lb


  • OrangeFairyOrangeFairy Forumite
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    Morning

    Had a lovely day yesterday visiting my cousin for her 13th birthday and meeting their new puppy. Still undecided on whether or not we should get one...DD2 is very keen.

    Negative part of yesterday was that I got home early to find my daughters boyfriend at home yet I have said they weren’t allowed to hang out until GSCEs have finished which is next Wednesday. She hasn’t lied to me like that before and I was so angry I had to sit down as I was shaking.

    It was a good money day- only bought a few bits for dinner. We had stuffed peppers and I made double the amount we needed for stuffing so hubby and I went for an evening walk to collect weeds for our tortoise and popped in Tesco and bought another pepper. So I cooked another stuffed pepper with the rest of the mix and we have half each for lunch.

    Wrote out all my spending so far this month- I just need to work out where that leaves me in terms of what I have left for the big things this month.

    I have two nights out this week. I have historically spent £30/40 each night (just a meal with cocktails) but hoping to cut this down. I might just have one drink and then water each night to keep the cost down....

    We have a jewellery launch to go to tomorrow night. I only wear jewellery from this brand and they are local in our village so I always support them. However I know this means I’ll probably buy something.....it might be best to miss it....

    Today’s plans

    Sausages, new pots and veg for dinner to use up stores
    NSD as I shouldn’t need anything
    Work out spending budgets for disposable income
    Get hubby to total up his credit card and savings
    Housework needed desperately (I finish work at 2.30 so have time)
    Add all spends to my app

    That’s it!

    Have a great day

    OF x
    Orange Fairy
    House Purchased April 19 :) CC1=? CC2=? DH CC= Mortgage Overpay = £0 Savings = £0 Xmas savings = £0 Weightloss = 0 lb


  • OrangeFairyOrangeFairy Forumite
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    Have done some budgeting today and I’m really down about it :(

    Now we are still in a pretty good situation with £1.2k disposable income but it’s jist a fair drop and when I was adding up bits we wanted to save and budgets for clothes and meals out we just didn’t really have very much left to put towards holidays.

    We have previously been in the position we can save £1.5k a month and still go out and do stuff.

    Looks like my dream garden will be on hold for some time :(

    Sorry for moping - I really should feel grateful as we are in a position lots would like to be in - I’ll snap out of it tomorrow!

    OF x
    Orange Fairy
    House Purchased April 19 :) CC1=? CC2=? DH CC= Mortgage Overpay = £0 Savings = £0 Xmas savings = £0 Weightloss = 0 lb


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