Jak's 'I will not spend any money on rubbish and I will pay off my debts' diary

beckseven

Know what you mean about the DH and the housework. My husband has never ever wiped the kitchens tops down with spray etc-I think that it is maybe against his religion as he studiously avoids doing it! It must feel so good to see a nil balance-I can still only dream at the mo' but some day...You should treat yourself a little bit to some new clothes after the baby's born. You are doing so well and you will need a little lift after the baby is born. Have you got a big Primark nearby? You could go on a massive spree for £50 and get loads of stuff to get you out of your maternity gear and buy a few things to update your look for the season. You could always sell your maternity clothes on ebay and use the money to have a mini spree! I sold a pair of top shop maternity jeans on their for £20-I think i bought them for £40 and wore them all the time! This time I'm definitely going to search for my maternity gear on ebay-especially work clothes! Have a great time tonight-I'm going on Friday and can't wait!

jak

I know i'm so excited! I'll have to think about the Primark thing. It's not a bad idea...
My husband just doesn't think about housework in the same way I do...weird~ you'd think he'd notice that it's still dirty! I think it has to do with the way he was brought up to be honest...his mum had 3 boys and I don't think cleaning was a priority in thier house, it was more rugby and blokey things...whereas my house was mainly female-not that I love housework but when I do do it, I do it properly. My husband just can't get a break at the moment, I've just discovered that instead of using the half a pence per minute prefix number to phone new zealand he's been using the old one for 1p per minute. Now I know it's not a lot of money but I can't find the half per minute number now and it's the principle of the thing...why pay doble when you could pay half......I just don't get it...

beanielou

Great news on nl balance showing!
Hope your back is a bt better now?
How many shifts til you finish up now?

jak

2 more shifts to go. Thurs night and friday. I'm looking forward to Sat morning at 8am! My backs ok as long as I don't do housework etc...so...it varies.
V. excited about nil balance. Haven't told dh yet as he'll immediately want ot buy things....hmmmmm

beanielou

Dont tell him yet & dont work too hard.

jak

I won't. Thanks! I'll keep it to myself for a bit...
J
X

jak

Spent £15 today on my meal and ice cream at the cinema. The film was great tho and I deserved it (I think!)! It came out of our budget so actually it's good to have money to still do stuff at the end of the month! I'm quite proud of that!

beckseven

Glad you had a great time tonight-can't wait until Friday until I see it! It is nice to have a treat sometimes especially on that is budgeted for!

jak

Oh yeas def! THe film was ~SO Funny! I loved the series but you never know..actually it was great! It's on my Christmas list!

I've taken your advice actually Beck, about the spending although i've ammended it slightly. As my credit card is now paid off and our outgoings are slightly reduced as we don't have the compulsary £60 minimum pcm, I decided to build some 'spends' into our budget. I also did tell dh about the credit card BUT followed it with 'and now we are going to pay the loan off...' He seemed to understand I think. Then I went to the cash point and got out £100 and gave him £50 and told him that because 'we'd' worked so hard paying off the credit card, we could use the money saved on spends for ourselves.
He then said he'd put it in the savings bless him. I told him he could if he liked BUT he didn't have to. So he bought a top for £10 and now is talking about saving the rest for a new phone. I hope he manages it. I have refused him any more new phones as he lost/broke 4 last year and they were all over £100! Now he's got a crappy phone that even I hate because it makes a noise like a plane each time you shut it! However, it works so it'll do. He wants an iphone or a blackberry so he'll be saving for a bit!!!! It'll do him good tho!

jak

Our revised budget:

RENT: 330
council tax 0 (£95 pcm but nothing this month- double next!)
Phone: 25
TV license: 23.25
Sky: 18
Personal Loan: 78
Tiscali: 9.50
Electricity: 30
food etc: 85
Household cleaning prod and toiletries: 5
Baby stuff: 30 (to be converted into savings for baby if not used)
Phone credit: 20
Lottery: 8
Socialising: 50
Spends: 100 (50 each)
Gifts: 21.58
Thrift: 80
Health: 5
Beauty: 5

Total: 923.33 This month
1113.33 next month as double council tax
940.33 after that (Personal loan taken off, council tax added on!)