Wendy's "To get it out of my head" Diary

Keeping_Positive

Thanks - Well 50% successful on the cooking will try again next week. Stressed out today fed up at DD2 clothes. We havent sorted them in ages and alot dont fit her but she insists on wearing them. Spent 2 hours watching Eastenders instead on packing and the forecast for the week is rain. Last year we were away for the first floods and half the pitches (luckily not us) were flooded out. If we get freak weather on the Aug bank holiday youll know why!

Yeah Im a golf and football widow and other sports like the nas car american racing hes now watching. Believe me I wont get away with cancelling sky sports without a huge fight! Thankfully I quite like sport.

In_Search_Of_Me

oh poor you - I loathe sport!! Its all about balance isnt it eh! Youve done loads of cooking & no woner you ran out of steam!! Great to have a declutter of DD's wardrobe! Much better to have stuff that fits!
When do you go on your trip?

Keeping_Positive

We head off tommorrow morning for 5 days, back friday. Havent sorted the clothes yet thats top of the list for when we get back.

Keeping_Positive

Signing off until Friday now. Got loads still to do before we go. Everyone please pray for some decent or at least dry weather this week for us.

Jelly_Babies

Have a fantastic time and hope the weather stays dry for you.

Have fun!

In_Search_Of_Me

oo missed you...hope that the snow were having here is less there! Hope you have a restful time regardless of the weather! Big hugs!

Keeping_Positive

Great break over spent by £50 so will have to stick to GC this month. Weather mostly good. Cold by dry except Thur and Friday so thankful for that. Kids happy and I was training them the MSE way by setting them a £20 budget each and sticking to it although DD2 owes some pocket money.

Just go online after we came back to no connection. Two hours on phone to talk talk of which 1 1/2 hours on hold. Complaint put in. Technical support very mixed. Turns out the fault was at the exchange.

Back later after I done some catching up and reactivated Amazon. Hope you all had a great week too.

GirlRacer_2

Hi there Wendy glad you had a great time and well done on the budget. £50 overspent is not too bad so don't beat yourself up too much about it.

I always do that with the kids when we're away, although I give them a daily allowance otherwise they'd spend their weekly allowance in one day!

Keeping_Positive

A bit tight on the bank account front 34p left until Tues. Do have money in savings but dont want to use that. Hopefully expences will get paid by end of week and will get money from OH friday. Want to save most of this to put back into savings account.

GC not looking good either less than £30 left after overspend. Will amend to £270 and aim for that.

Going to have to budget more for next holiday spend wise £250+£40 startrek sale also £11 DS savings and £8 change all used. So £400 may be tight with Petrol included. So really overspent by £119.

Will redo yearly budget at the end of the month and see how things are going. Still got Amazon and carboots for extra cash. Pigsback at £22.50 ish. Moneysavingmadness to pay £39. Grocery budget of £250 a month tight but possible. £300 in xmas savings and £740 in savings account for upcoming spends.

Another thing that was a first is that I did not resort to using my cc for the first time ever so I know how much we spent. Before I would "fudge" ours spends with the odd cc purchase. Off to check that balance now.

Keeping_Positive

OK I gave in and did a rough budget. I cant resist when something sticks in my mind which is why I chose the title of my diary! Things have changed so much in a few months. I have overpaid the loan by £100, not increased my debt , barely used the overdraft, have savings and a plan. Also if I remain careful I am actually not in a shortfall situation. :j

SOA 1/5/08

Income:
Wages £1340
Child Benefit £170 (3 kids)
Tax credit - £100 (£25 a week) currently £47 a week but this will reduce alot next year so budgeting less.
OH £100 (OH on benefits and has own DMP to pay he does contribute to extra groceries and childrens treats etc)

TOTAL £1710 original addition wrong only added one week of tax credit!

Outgoing:
Rent £430
CTax £131
Home Insurance £15 (just redone)
Water £28
TV £12
SKY £55 need to work on getting deals and will cancel movies in June
Gas: £25
Electric: £40 - In process of moving will keep an eye on
Lifeboats £3
Phone and Broadband £30 - aim for £25
Groceries for five £250
Lunches - monthly work spend - £50 - aim to keep this a lot lower struggling as includes all me money
American life Ins (ref cancer a worry of mine) £6
Kids and OH £100 this is a guestimate on previous months spends need to monitor and be realistic
Catalogue £50
Loan £224
Petrol £30 this is usually lower
Total £1479

Balance £231 times 9 =£2079 + £1000 savings

Yearly budgets - This is where I need to start a spending diary alot is guess work

Xmas Savings Club:£200 (£300 saved already)
Car Tax yearly: £180
MOT & Service yearly: £150
Repairs yearly budget: £300
Birthdays yearly budget:£300
Holidays £766
Car Insurance £600 guestimate (OH new driver and me bump prone )
Hairdressers £40 for all £40 spent already:eek:
Clothes £130 £70 spent on kids so far
RAC £100 - hopefully less this year not due till end of year
Total £2766


Shortfall was £1744 now -£313!!

Have rechecked budget but still suspect errors so please correct if you spot something.