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

Keeping_Positive

Spent the morning chilling to the Olypics. Some great races and results. Problem is now I have a rotten headache. Tried a lie down but no luck. Waiting for painkillers to kick in. This might be a chole chilling day at this rate.

Your plans for the day sound great. Look forward to reading the results later.

Keeping_Positive

Cant shift this headache. Dont know whats wrong. It better had go by tomorrow running out of time to study. Trying not to worry. Even if I do enough just to pass I ll be happy.

Washed up stuck two pizzas in the oven and been shopping. Thats all Ive done today.

Budget £38 but spent £54. Probably could have stuck to £38 if I had really tried. I have picked upsome extras for later use and bargains so not a terrible shop. Will aim for no more than £10 for the rest of the week grocery spend.

Next shop Friday will be holiday budget.

Keeping_Positive

Headache gone :j :j .

Plan today is study and watch Olympics (and bath kids).

Budget looks terrible. My first attempt for Sept sees the OD going to £867 :eek: :eek:.

Going to have to have a serious rethink after the holiday or all my hard work will start to unravel.

Woke up in a good mood (in case you hadnt guessed). I was watching TV and though of the kids and a hugh grin just appeared on my face . They are so sweet and Im so lucky to have them even if they are demanding and cost and arm and a leg!

Keeping_Positive

Statement of Affairs and Personal Balance Sheet

Monthly Income Details
Monthly income after tax................ 1350
Partners monthly income after tax....... 0
Benefits................................ 318
Other income............................ 100
Total monthly income.................... 1768

Monthly Expense Details
Mortgage................................ 0
Secured loan repayments................. 0
Rent.................................... 426
Management charge (leasehold property).. 0
Council tax............................. 131
Electricity............................. 30
Gas..................................... 20
Oil..................................... 0
Water rates............................. 28
Telephone (land line)................... 30
Mobile phone............................ 0
TV Licence.............................. 12
Satellite/Cable TV...................... 55
Internet Services....................... 0
Groceries etc. ......................... 250
Clothing................................ 30
Petrol/diesel........................... 70
Road tax................................ 15.5
Car Insurance........................... 0
Car maintenance (including MOT)......... 35
Car parking............................. 5
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 50
Medical (prescriptions, dentist etc).... 5
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 15
Life assurance ......................... 0
Other insurance......................... 6
Presents (birthday, christmas etc)...... 40
Haircuts................................ 13
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 1266.5

Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 400
Other assets............................ 0
Total Assets............................ 400

No Secured Debt

Unsecured Debts
Description....................Debt......Monthly...APR
loan...........................14300.....224.......6.9
Total unsecured debts..........14300.....224.......-

Monthly Budget Summary
Total monthly income.................... 1,768
Expenses (including secured debts)....... 1,266.5
Available for debt repayments........... 501.5
Monthly UNsecured debt repayments....... 224
Surplus(deficit if negative)............ 277.5

Personal Balance Sheet Summary
Total assets (things you own)........... 400
Total Secured debt...................... -0
Total Unsecured debt.................... -14,300
Net Assets.............................. -13,900

Created using the SOA calculator at https://www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission.


Even allowing for healthily extras such as haircuts and birthdays I should have loads spare each month. Holiday and car insurance not included as they get covered by annual bonus. I know and easy £100 or more goes on me and OH so I really have been hit with the dentist extras.

Will need so serious budgetting and sticking to the budget when ww get back. Need to clear the OD ASAP and start saving each month at the start of the month to build up for dentist, car tax, repairs, haircuts, clothes spends etc.

At least I have Xmas and xmas birthdays covered with the £500 saved.

Keeping_Positive

Not helping myself at the mo. £5.50 to OH for DD2 swim suit and A4 paper. £16.00 in Tesco myself for lunch including £3 choc treats and £8 DS socks. Somehow he was down to two pairs .

Resonable day at work. Loads to do still should work this evening well study. I can see me packing and cramming on friday at this rate. I worry about not being able to do something so put it off until the last minute. Daft thing is most of the time like today things went/go ok.

Hope you are all ok. Still see you are having computer probs Dizzy so hope thats sorted soon. I miss not reading your updates.

GirlRacer_2

I miss Diz as well Wendy, lets hope she'll be back soon.

I'm hoping that September is going to be a better month for me as well. I always seem to be waiting for pay day. ARe you the same Wendy?

Keeping_Positive

Yes roll on the 25th! Far too much month for the money but then I wonder where the year has gone :rotfl:

Keeping_Positive

No spend day so far. Meeting at work so lunch provided:money: . Didnt think I had eaten much but dont feel hungry now just tired. Still got to feed the kids. OH didnt sleep last night so has gone to bed shattered.

Booked £15 (£60 deal value) worth of Tesco day out vouchers today for use whilst away if weather poor. There is a railway and air fleet museum not too far away. DS will be happy.

Weather apparently looking ok for the weekend. I could do with a dry Saturday to put the tent up at the very least. Id love a heatwave but with our luck Id accept dry!

Got the latest tesco vouchers today and now have £174.50 worth which equates to £698 :j :j .

Looking to save up for a europe holiday in france next year. The kids want to go abroad and I want better weather!

dizzy_lizzie

Hi Wendy...sounds like your on course for a holiday in France next year. That would be great wouldn't it?
I do love holidays in England but the weather is just rubbish.
Well done on your no-spend day yesterday.:D
Luvz Dizzy x

Keeping_Positive

What a nightmare end to a day. Spent almost four days on a report/visit that will turn into nowt and I should have jsut summerised. Still have two reports to write up that one should have been done today.The other one I need to bullet point key areas before my hols. Supposed to be packing tomorrow and havent got anywhere near my studying. Fell asleep after a bath last night.

To top it all just as I was in for the long haul at 4.30 OH texts to say DS is missing. Disappeared out the house without saying where he was going. DDs were looking at friends houses but no luck. Hes only 5 so I cant concentrateand come home. 20mins later he is found at a friends house. DD2 had knocked but from what she said a mouse would make more noise.

Still got loads to do and tense after worrying about DS. Hes fine doesnt realise what hes done, too young. just like DD1 was when she did the same years ago. DD1 was so upset when he was found poor thing.

Need to either pack a bit now and work some tomorrow or work and pcak all tomorrow. There is just too much to do

AAAARRRRGGGHHH.