2008, Year I take control

Penny2myName

2008 SOA

My yearly income before the Aprils increase works out a year at
Child Benefit £1570.04
Income Support £3075.80
Child Tax Credits £4255.16
Maintenance £1200.00 (25% goes into children's accounts, trying to get debt free so they get the full 100% between them)
Total £10,101.00
On top of this I receive full rent rebate and council tax rebate, plus all health care if required.

Apart from Water, all my other household bills are online only with no paper statements any more. These are set up in a separate account.

Child benefit £30.20 x 4 = £120.80 x 13 = £1570.40
Maintenance £22.95 £100.00 x 12 = £1200.00
Total £220.80 yearly = £2770.40

Weekly/monthly/annually
T.V Licence £2.52 £10.95 £131.40
Water £7.68 £33.30 £399.60
Gas £18.46 £80.00 £960.00
Electric £6.92 £30.00 £360.00
Insurance £4.29 £18.58 £222.96
Sky £4.62 £20.00 £240.00
Phone/BB £6.25 £25.00 (max)(x13) £325
Total £50.74 £217.83 £2638.96

This account just doesn't get touched.

Leaving £1361.04 / £3.71 a day
£26.03 per week plus water amount = £33.71

My way to keeping account of all outgoings
I have a clip folder which has a number of sleeves in it.
One Sleeve which has my 8 remaining pages from Cash Journal with incomings and set out goings wrote down up to end of March in them.
1, DD travel 01/01/08-31/12/08
2, My Travel " " "
3. DS Travel " " "
4, Asda
5, Tesco
6, Netto
7, Aldi
8, Vanquis
9,Range (great place for art supplies, and a shop I dare not enter with CC)
10, La Redoute
11, Littlewoods
12, Game
13, WHSmiths
14, Boots
15, Whitby Holiday(travel, accom, expenses, spends)
Plus three other sleeves for anything else that may crop up, like ebay, amazon or any where else I may end up shopping. I will be placing Statements/Receipts from each of these places into their respective sleeves, as and when I receive them.

(Vanquis, LaRedoute and Littlewoods are debts)


Meal Planning/pricing

1) Spaghetti Bolognese

450g Lean Mince Beef £1.00
1 onion £0.20
375g tinned tomatoes £0.21
50g Spaghetti £0.14
1 carrot £0.05
100g Mushrooms £0.25
£1.85


2) Beany Cottage Pie

225g Minced Beef £0.50
450g potatoes £0.40
1 onion £0.20
1 tinned baked beans £0.20
£1.30

3) Veg Stew

375g tinned tomatoes £0.21
100g split red lentils £0.14
326g Tinned Sweetcorn £0.15
100g Pasta Shapes £0.09
1 onion £0.20
3 Carrots £0.15
100g split peas £0.14
£1.08
(makes tons so also does Veg in cheese sauce)

4) Baked potatoes and filling

Baked potatoes £0.55
326g tinned sweetcorn £0.15
tinned beans £0.20
£0.90

5) Fish & Chips (the expensive meal)

Chips £0.11
Frozen Peas £0.25
Fish 1 fillet £0.86 +
Fish fingers 8 £1.25
£2.47


6) Pizza & Garlic bread

Garlic Bread £0.82
Mozzarella £0.50
1 onion £0.20
326g tinned sweetcorn £0.15
Tomato Pur!e £0.00
4 Ready made bases £2.00
£3.73


7) Sunday Lunch (yet to price up)

1 veg pie £0.00
1 mince and onion pie £0.19
1 chicken and veg pie £0.19
450g potatoes £0.00
carrots £0.00
Pies £0.00
Corn on cob £0.00




Grand Total £12.80

Cereal
Milk
Bread
Eggs
Cheese
Coffee
Hot Chocolate
Pop

Dried Dog Food
Dried Cat Food
Cat Litter


Shampoo
Conditioner
Soap
Toothpaste
Mouthwash
Washing up Liquid
Washing Powder
Fabric Conditioner
Tumble Dryer Sheets
Star Drops
Toilet Cleaner
Multi Purpose Spray

mum2one

Well done, samer here 2008 is the year for me to get things sortes, have you done the snowball calculator for debts - gives you dates for debt free and how much to pay off each, def worth a look.

Have you signed onto any click sites (money back) or survey sites/

Good luck xx

MinBlack

Don't really have any comments for you but just wanted to say good luck, you seem to have it all organised.

I love the range too, its such good value that I spend far too much!

doodledo_2

:T Good luck with your journey :T

In_Search_Of_Me

Good luck!

Penny2myName

This is my 2008 dairy (but thanks for comments anyhow) and live on £4000 a year challenge rolled into one. Probably all my challenges will get rolled into one on this thread. Need to do a full bank balance account for start of year, see what I am starting off on.

Penny2myName

01/01/08
Utilities
Gas 02225 account in Debit by £194.26
Electric 02671 account in Credit by £19.28

Banks
Halifax Current

Oh Cr*p littlewoods DD has coem out but instead of the £12 they said would come out they have taken £92.44 putting me over my OD limit by £60.88
so Halifax Current -£260.88
Halifax easy cash £2.83
Alliance & Liecester £1.41

Penny2myName

ok, if anyone else ever has to deal with this muck up by littlewoods, the address to send proof of bank charges to, so they will reimburse you for them:T (after you call in tears and say you've messed my bank account up by making me pay twice so I am going to get charges now) is as follows
Littlewoods
Payment Department
First Floor
Skyways House
Speke Road
Speke
Liverpool
L70 1AB

Penny2myName

Just not my day today, went to mop teh kitchen floor, and mop head fell to pieces on me. So still got a filthy floor:o from animals and child running in and out.
Wondering if I smashed a mirror or something last night, as my new year for taking control isn't working out that way yet.

pandaonmyshoulder

Love the Veg Stew idea but how do you put it all together?

Just a thought have you tried adding some soya mince to your spag bog or shepherd's pie? I've been doing this for a while and the kids love it plus it makes the meal do 6 of us and it's cheap:money:

Penny2myName

I don't like meat alternative (not if made to taste like meat) so never bother with soya and that. My kids are the other hand are full carnivores, and would probably linch me if i tried the soya avenue with them.

Will send you the recipe, got a free healthy living cookbook from kids school fair.



I altered the original ingredients to my own palate.