£50,000 in 3 years diary. Can I do it???

RoxieW

2007 SOA

Outgoing
Mortgage 450
Rent 130 *
Council tax 105
Gas and Elec 70
Phone 30 20
Mobile (payg) 5
Sky 17
Net 20 **
Petrol 150 ***
dale lunches 100 70
food 300 200
xmas/birthdays 150 100
water 15
house maintainance 100 20
insurances 40
school dinners 40
activities with todd 40
boys football club 40
v license 11
charity 12
contacts 20
dentist 5
haircuts 20
newspapers/mags 20 10
clothes 50
mine and dales spends 100
family 'fun' 100
eating out 100
driving lessons/tests 120 0

total 2360 new total 2130 2008 total 1960

RoxieW

So 2700 incoming
1960 outgoing

= 740 'spare'

I haven't included my driving test/lessons as I'm fully intending to pass the test I have coming up in Jan - 4th time lucky eh!!

So all being well, IF I manage to stick to the budget then I should be able to meet my target of 700 saving per month.
I'm also intending to keep on with quidco etc and am also going to apply again for AQA once my 8 weeks gap period is up.
Sounds like a plan - hopefully I can stick to it!!

lilmissmup

Good luck witht the driving test hun!

I have failed mine 3 times but then stopped last Sept so when i start again its going to be even more expensive as my theory runs out in March so will have to retake that too! :mad:

Happy New Year too!!!

NickiM

Good luck with your test! I passed on my second time but it took me forever to actually get how to drive, and the costs do mount up. I know you can do it though, so go for it

RoxieW

yeah, driving 9or not!) is the bane of my life! has been for 2 years now. But i refuse to give in - not after the cash we've spent. Not thinking about it though until the week (think its the 21st) as it makes me too nervous and I cant bear it. It makes me feel sick.

Off to do a look through the cupboards and see what i can cobble together to feed us this week without spending any cash.

RoxieW

well, end of dec is here and i think we can safely say that I've failed miserably - if not for the saving grace of dales bonus and the money earned through £10 a day challanges/ebay etc. We'd have saved diddly squat.

Gonna tot up the overspend now, just to make me ill. Scared...

RoxieW

Ok,

overspend for Dec

Food 400
Eating out 220
Clothes 200
Xmas 200
MIL b'day 100

Total 1120

'Spare money' - 700
Bonus 1500

2200 - 1120 = 1080 plus ebay/ extra money made £361

Total save for Dec £1441

If that makes sense?? So obviously we've overspent horribly and I'm completely ashamed. But that was December. We had Xmas, alot of socialising and MIL to pay for. If I'd have stuck to the budget we'd have alot more to put away but alas I didn't.

January is January though. A new start. Determined to stay on budget and rock this challenge for 2008. Have just signed up to the £10 a day challenge for Jan so will be trying my best with that. Hopefully will have a better story to report come Jan 31st!!

2200 -

RoxieW

Successful no spend day today. Watched night at the museum with the kids. Had a good poke through the cupboards and think we can get through the first week of Jan spending no more than £10 on the 'top up bits' ie milk bread etc.

Am going to Bath on Friday with friend on a girly spa day then prob out for food/clubbing. But I have money put aside should be ok. Am likely to need £30 for petrol/parking (split) and then some moeny for dinner and drinks. Dale paid for the spa day and the hotel as a xmas pressie, as did her boyf for her. So that should be good fun - nice to have a treat to look forward to after xmas. Hopefully my uggs will be with me by then :mad:

RoxieW

Morning all!
D back at work today which is rubbish but prob for the best. Nice having him around but not for too long eh! Plus I totally slack off the housework when he's around as we're too busy doing nice things. It gives me chance to get back into the routine.

The boys have been nagging for a kitten since seeing BIL sooooo cute little kitty on Mon. I'm just not sure thou. I do like cats and would like one in an ideal world but the expense, the mess and the responsibility ie for holidays etc are putting me off. Also, coby has alot of allergies - we know he has a dog allergy. As yet he's never reacted to cats but I guess having one in your home is different to just 'visiting ' one for half an hour.........oh, just phoned nurse at gp's and she said its a nono. Apparantly even if he's not allergic now its common for a 'allergic' person to develop and allergy over time. Oh bless him. I was trying to explain yesterday that a cat could make his skin sore and he cried and said he didn't mind having sore skin.

NickiM

Good morning!
Oh dear re. cats and allergies. I always feel really guilty as a lot of my friends are allergic to cats (I have 3!), but they still don't mind coming round and they always develop symptoms and it can't be nice for them.