Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • Skint yet Again
    • By Skint yet Again 5th Feb 17, 10:27 AM
    • 3,697Posts
    • 19,370Thanks
    Skint yet Again
    Get a grip !
    • #1
    • 5th Feb 17, 10:27 AM
    Get a grip ! 5th Feb 17 at 10:27 AM
    .....25/11/2018 ......
    I have decided to update as its been ages since I started this thread and so much has changed including my priorities.....

    We gained a puppy after starting this thread and although she is a handful she has given me something to focus on and to get up for each day.

    DS split from one long-term gf and is now several months into a new relationship and started a new job and seems very happy.



    Sadly DM passed away suddenly this year and I miss her every day. Then DF was seriously ill in hospital with sepsis and almost died but thankfully he found the strength to pull through and is making a full recovery physically. We are supporting one another emotionally as a family.



    I started this thread with the focus on saving some money. That hasn't happened and I have ended up with some debt on a 0% credit card but it is being paid off as planned and I am still managing to pay all bills and still have some money to spend with friends. I am planning to start saving for an emergency fund in the new year 2019.
    Last edited by Skint yet Again; 25-11-2018 at 6:52 AM.
    Balance 0% credit card 1360 698
    0% Car Loan 7500 balance to pay 1/10/19 160 1/11/19 160 1/12/19 160 finishes 1/1/2020 140.
    Emergency fund 100
Page 1
    • Skint yet Again
    • By Skint yet Again 5th Feb 17, 10:36 AM
    • 3,697 Posts
    • 19,370 Thanks
    Skint yet Again
    • #2
    • 5th Feb 17, 10:36 AM
    • #2
    • 5th Feb 17, 10:36 AM
    ...Savings so far


    1. December car insurance renewal 350 !! Switched to direct line 193.60.


    2. Dec - gas & electric fixed term ended - switched to co-op Festive tariff & got 30 vouchers to spend in co-op thus reducing grocery bill


    3. Dec received co-op membership card got 5 vouchers (old divi) spent on xmas stocking filler chocolates for DS


    4. opened new bank account to put long term savings into at 100 per month


    5. switched current account to a reward account without switching bank & now getting rewards on household bills should make about 50 a year after monthly fee taken off so will go towards Christmas presents / food


    6. ordered a "green" bin from the council saving 25% with code & went halves with a neighbour to save trips to the tip with garden waste which are becoming more physically difficult for me. Cost 15 a year but saves petrol.


    7. monthly budget worked out. Now need to stick to it !!
    Last edited by Skint yet Again; 05-02-2017 at 10:38 AM.
    Balance 0% credit card 1360 698
    0% Car Loan 7500 balance to pay 1/10/19 160 1/11/19 160 1/12/19 160 finishes 1/1/2020 140.
    Emergency fund 100
    • Skint yet Again
    • By Skint yet Again 5th Feb 17, 10:53 AM
    • 3,697 Posts
    • 19,370 Thanks
    Skint yet Again
    • #3
    • 5th Feb 17, 10:53 AM
    • #3
    • 5th Feb 17, 10:53 AM
    So here's my SOA


    Household Information[/b]
    Number of adults in household........... 1
    Number of children in household.........
    Number of cars owned.................... 1
    Monthly Income Details

    Monthly income after tax................ 1076.75
    Partners monthly income after tax....... 0
    Benefits................................ 0
    Other income............................ 260
    Total monthly income.................... 1336.75

    Monthly Expense Details

    Mortgage................................ 208
    Secured/HP loan repayments.............. 0
    Rent.................................... 0
    Management charge (leasehold property).. 0
    Council tax............................. 128
    Electricity............................. 58
    Gas..................................... 0
    Oil..................................... 0
    Water rates............................. 44
    Telephone (land line)................... 0
    Mobile phone............................ 7
    TV Licence.............................. 12.12
    Satellite/Cable TV...................... 38
    Internet Services....................... 0
    Groceries etc. ......................... 300
    Clothing................................ 0
    Petrol/diesel........................... 40
    Road tax................................ 0
    Car Insurance........................... 0
    Car maintenance (including MOT)......... 28.28
    Car parking............................. 0
    Other travel............................ 0
    Childcare/nursery....................... 0
    Other child related expenses............ 0
    Medical (prescriptions, dentist etc).... 0
    Pet insurance/vet bills................. 0
    Buildings insurance..................... 0
    Contents insurance...................... 0
    Life assurance ......................... 0
    Other insurance......................... 0
    Presents (birthday, christmas etc)...... 50
    Haircuts................................ 0
    Entertainment........................... 50
    Holiday................................. 0
    Emergency fund.......................... 0
    long term savings ...................... 100
    savings for bills....................... 100
    union fees.............................. 7.76
    Total monthly expenses.................. 1171.16


    Assets

    Cash.................................... 0
    House value (Gross)..................... 220000
    Shares and bonds........................ 0
    Car(s).................................. 5000
    Other assets............................ 0
    Total Assets............................ 225000


    Secured & HP Debts

    Description....................Debt......Monthly.. .APR
    Mortgage...................... 29738....(208)......2.25
    Total secured & HP debts...... 29738.....-.........-

    Unsecured Debts
    Description....................Debt......Monthly.. .APR
    car loan parent................5580......160.......0
    Total unsecured debts..........5580......160.......-


    Monthly Budget Summary

    Total monthly income.................... 1,336.75
    Expenses (including HP & secured debts). 1,171.16
    Available for debt repayments........... 165.59
    Monthly UNsecured debt repayments....... 160
    Amount left after debtrepayments....... 5.59

    Personal Balance Sheet Summary
    Total assets (things you own)........... 225,000
    Total HP & Secured debt................. -29,738
    Total Unsecured debt.................... -5,580
    Net Assets.............................. 189,682

    Reproduced on Moneysavingexpert with permission, using other browser.[/font]


    I was very lucky that my parents offered to lend me money to buy a car interest free rather than get a bank loan. This should be paid back by 1/1/2020 at 160 a month. I can't manage without a car unfortunately.


    I am putting 50 a month into xmas savings and 100 a month into a bills account to cover bills paid once a year such as car insurance, line rental saver, house insurance, car tax, and this will include household upkeep & plus replacement white goods etc plus clothes.


    I am paying my poll tax and water rates over 10 months so the 2 months these are not paid the money will be put into a holiday fund which I usually use to visit family a couple of times a year (300 miles away)

    Long term savings are now 100 a month to go towards leaving job/selling house / paying off mortgage early


    ETA - I forgot to add emergency fund currently 500

    That leaves me around 50 a month for myself. I don't go out often but mainly visit friends with bottle wine / shop-bought pizza or they come to me. If we go out for a meal we try to use vouchers. This will also cover any takeaways which I am trying to avoid ! (for finances & waist-line reasons )
    Last edited by Skint yet Again; 05-02-2017 at 11:01 AM. Reason: forgot emergency fund
    Balance 0% credit card 1360 698
    0% Car Loan 7500 balance to pay 1/10/19 160 1/11/19 160 1/12/19 160 finishes 1/1/2020 140.
    Emergency fund 100
    • savingwannabe
    • By savingwannabe 5th Feb 17, 11:08 AM
    • 14,210 Posts
    • 47,672 Thanks
    savingwannabe
    • #4
    • 5th Feb 17, 11:08 AM
    • #4
    • 5th Feb 17, 11:08 AM
    Howdy. Welcome and well done in posting. Someone clever will come along in a minute. Unless I read this incorrectly you are saving which is good.

    This year I invested in a freeview box - you can get them cheap from fleabay (used ones) and cancel your cable. You can get cheap deals on basic phone and internet at the moment and that should reduce paying out 38 a month on cable. I only pay 17.99 to sky for broadband and unlimited free phonecalls.

    Also take sarnies to work. I can't believe how much I have saved.

    You can switch your current account to TSB and make 125 in thirty or forty days plus if you pay on your debit card when you do shopping you get cashback up to 5 a month.

    Also put your savings into an account with a high rate of interest. Current accounts like M&S have additional benefits like mine has a 6% savings account attached but I can only save 250 in it. However I have also had 125 cash and am getting 120 ish of vouchers which I give to parents. My Tesco kitchen account is earning 7.50 a month interest.

    If you want to buy anything look at fleabay first as people sell the same things much cheaper on it.

    Do you have old cds, dvds, books, furniture, clothes, Christmas presents you don't want that you can put on fleabay when they have free listing days?

    Can you rent out a room?

    If you have a car can you drive to an aldi or lidl for main shopping as they are cheaper than regular shops. And do extra top up shopping at traditional shops.

    Can you do surveys on the 'puter and get amazon vouchers and use them for Christmas?

    Always watch Martins Moneysaving Programme on Mondays.

    Keep posting and Welcome.
    Last edited by savingwannabe; 05-02-2017 at 11:18 AM.
    Christmas Fund 248 No spend month?
    • Skint yet Again
    • By Skint yet Again 5th Feb 17, 11:11 AM
    • 3,697 Posts
    • 19,370 Thanks
    Skint yet Again
    • #5
    • 5th Feb 17, 11:11 AM
    • #5
    • 5th Feb 17, 11:11 AM
    Am not feeling so good today, have got some sort of throat infection which is making me feel grotty, so I don't think I will be doing much today !


    I've started a food plan for the week to avoid takeaway craving and have started a spending diary to make sure I don't go over budget for the month. I seem to have been doing top up shops at the local co-op and spending 5 here and there which all adds up and the food bill has steadily been creeping up. I will have to be more disciplined and just shop once a week in Aldi


    I've done my banking this morning and moved 100 into long term savings for the month. I've also set up a standing order so this goes out on the 1st of the month from March.


    The new "green" bin should arrive this week. My neighbour gave me the 15 cash for his half so I will count that as part of my 50 spends this month and move 15 of the money in my account to my credit card bill.


    The weather is dull here in the south but dry and breezy so I've got 2 loads of washing out on the line. I think I have a bit of a temperature as I'm boiling so no heating on today so far !


    Planning for a NSD/NPD
    Balance 0% credit card 1360 698
    0% Car Loan 7500 balance to pay 1/10/19 160 1/11/19 160 1/12/19 160 finishes 1/1/2020 140.
    Emergency fund 100
    • Skint yet Again
    • By Skint yet Again 5th Feb 17, 11:21 AM
    • 3,697 Posts
    • 19,370 Thanks
    Skint yet Again
    • #6
    • 5th Feb 17, 11:21 AM
    • #6
    • 5th Feb 17, 11:21 AM
    Hi savingwannabe thanks for replying and for all the great advice !


    Wow 17.99 for broadband and phone - does that include your line rental ?


    We do have freeview in the kitchen but TBH usually just watch the news in a morning when having breakfast. I don't go out often so watching tv is part of my entertainment I suppose and most of the tv programmes I watch are not on freeview channels unfortunately. DS also pays half the bill so I will wait till he leaves home then consider ditching it


    I don't take lunch to work as I start at 6.30am and finish at 12.30 so I eat lunch at home which is usually leftovers / batch cooked meals from the freezer warmed up in the microwave, or home made soup, or sometimes just morrisons value curry noodles 3 for 1 at the moment on offer with some veg stir fried with soy, garlic, ginger.


    Yes, after covering all my bills / outgoings and a small "going out" pot I am saving 100 a month. Not a huge amount but its a start. I'll take a look at those bank accounts you have mentioned. Thanks
    Last edited by Skint yet Again; 05-02-2017 at 11:24 AM.
    Balance 0% credit card 1360 698
    0% Car Loan 7500 balance to pay 1/10/19 160 1/11/19 160 1/12/19 160 finishes 1/1/2020 140.
    Emergency fund 100
    • savingwannabe
    • By savingwannabe 5th Feb 17, 11:33 AM
    • 14,210 Posts
    • 47,672 Thanks
    savingwannabe
    • #7
    • 5th Feb 17, 11:33 AM
    • #7
    • 5th Feb 17, 11:33 AM
    Hi savingwannabe thanks for replying and for all the great advice !


    Wow 17.99 for broadband and phone - does that include your line rental ?
    Yes have a look at MSE at top of main page and click on utilities and phones. They also gave me a 75 pound mastercard voucher which I could spend on anything!!!!!!!! I get more channels on Freesat (sorry I forgot it was Freesat and not Freeview) that I hadn't even heard of and my box thingy does recording and allsorts.

    We do have freeview in the kitchen but TBH usually just watch the news in a morning when having breakfast. I don't go out often so watching tv is part of my entertainment I suppose and most of the tv programmes I watch are not on freeview channels unfortunately. DS also pays half the bill so I will wait till he leaves home then consider ditching it


    I don't take lunch to work as I start at 6.30am and finish at 12.30 so I eat lunch at home which is usually leftovers / batch cooked meals from the freezer warmed up in the microwave, or home made soup, or sometimes just morrisons value curry noodles 3 for 1 at the moment on offer with some veg stir fried with soy, garlic, ginger.

    Crumbs you are better than me. Well done. I am learning to do this this year.

    Yes, after covering all my bills / outgoings and a small "going out" pot I am saving 100 a month. Not a huge amount but its a start. I'll take a look at those bank accounts you have mentioned. Thanks
    Originally posted by Skint yet Again



    Again all of the current account offers are on main page under current account. also consider how much interest you are currently getting on your savings and maybe move those accounts as well.

    Apologies I forgot how to do the quote thing. I do make a pig's !!!! of things but my heart is in the right place. Someone smart will come along in a bit and add more.
    Christmas Fund 248 No spend month?
    • bobobski
    • By bobobski 5th Feb 17, 3:24 PM
    • 736 Posts
    • 1,793 Thanks
    bobobski
    • #8
    • 5th Feb 17, 3:24 PM
    • #8
    • 5th Feb 17, 3:24 PM
    Hiya

    Just a couple of thoughts from me:
    1. Don't forget to register as a single occupier when your son moves out, so you only pay 75% of the usual council tax.
    2. I agree that the TV situation is on the expensive side - personally I don't pay TV licence and only watch Netflix (at 6 per month it's half the cost of the TV licence, let alone cable!). But if you do use it, I don't see a lot wrong with it.
    3. Internet-wise, I pay 25 per month including line rental for unlimited fibre optic. Are you near the end of your contract? I followed Martin's guide to haggling to a tee with both my broadband and my mobile and got great deals.
    4. Groceries are a little on the expensive side if it's 300 per month just for you, although I feel your pain as that's my most obvious place to cut down and I find it hard. Do you buy a lot of premium products or alcohol or anything? Can you bring this figure down? Even a saving of 10 per week will go a long way.

    Good luck
    Save 12k: 2019 #31 (117.91/4,500; 2.62%) | 2018 #8 (6,826.66; house bought) | 2017 #18 (12,078.82) | 2016 #86 (8,476.09)
    Personal savings: 740.16 | Joint emergency fund: 2,250.00 | New pet fund: 30.00 | Mortgage overpayments: 40.97
    • Skint yet Again
    • By Skint yet Again 5th Feb 17, 4:59 PM
    • 3,697 Posts
    • 19,370 Thanks
    Skint yet Again
    • #9
    • 5th Feb 17, 4:59 PM
    • #9
    • 5th Feb 17, 4:59 PM
    Hi bobobski thanks for replying.


    I'm not sure when DS will leave home as rents are so expensive here in the south. Hopefully once his gf leaves uni later this year she will get a job and they will save and get somewhere together !


    The food is for both me and DS who eats a high protein diet due to his weightlifting. He pays half the utilities, the 25% discount I lost when he left college and the rest is food. (included on SOA as other income)


    To be honest 300 is worse case scenario taking into account a 5 week month at 60 a week. I get most things in Aldi now and its usually 50-60 a week. No booze as I'm diabetic so trying to cut down on empty calories & sugar and DS doesn't drink often due to his job - he commutes an hour each way to work on a shift pattern that changes every 2 days.


    Sorry I should have explained the tv of 38 is Virgin media package of TV M+ and unlimited superfibre 50 broadband and phone with free weekend calls to landlines. I usually phone my family at the weekends and any other time use my sim-only mobile which includes 250 minutes a month and unlimited texts and a small amount of data which I don't use at the moment. It also includes a TiVo box and an extra HD box for DS in bedroom. I pay line rental using the VM line rental saver which usually saves a bit per year but my deal is coming to an end soon so I am looking around to see if I can get cheaper.


    I am glad to have joined you all today in this moneysaving journey. I've been umming and ahhing about whether to post on the Debtfree wannabee or mortgage free wannabee but neither seemed to fit my circumstances and I came across this part of the site today for the first time.


    Had a good day overall despite feeling grotty. Got most of the washing dried outside and the heating has been off all day. A NSD/NPD and about to have some dinner with DS before he sets off to work on night shift. An early night for me I think try and shift this lurgy in time to get up for work at 5.30am


    Thanks for making me feel welcome !
    Last edited by Skint yet Again; 05-02-2017 at 5:11 PM.
    Balance 0% credit card 1360 698
    0% Car Loan 7500 balance to pay 1/10/19 160 1/11/19 160 1/12/19 160 finishes 1/1/2020 140.
    Emergency fund 100
    • savingwannabe
    • By savingwannabe 5th Feb 17, 5:54 PM
    • 14,210 Posts
    • 47,672 Thanks
    savingwannabe
    We are dead glad you joined here. All threads are nice and welcoming. I am sure i have seen a moneysaving thread like this on the banking thread and everyone was really nice on there. We do get the odd troll but they usually buzz off eventually.

    OMG. This is so spooky. We have a heck of a lot in common. Holy moly. We could be twins. Except I'm an old maid and bonkers.

    On the tv front you might write down a list of the tv channels do you watch? Then check to see if they are on freesat. I was gobsmacked I got more on Freesat than on Virgin. You might get another box for son's bedroom from ebay it would be a bargain price? All phone calls are free and broadband so you might want to use it more often.

    Have you thought of getting What's App for free texts to family and friends for your mobile?

    You should also look at the MSE Elite shopping thread on the shopping board where they talk about food money saving and offers. 3dogs is on it and she always finds food bargains. I have a store cupboard from her of all these amazing shampoo and fabric conditioner and soap things that were bought dead cheap. I tend not to get the tinned and processed offers as I am trying to cut back same as you to sort out sugars.

    Hurrah. Am trying not to sound like a stalker. lol.
    Last edited by savingwannabe; 05-02-2017 at 6:27 PM.
    Christmas Fund 248 No spend month?
    • Skint yet Again
    • By Skint yet Again 5th Feb 17, 7:03 PM
    • 3,697 Posts
    • 19,370 Thanks
    Skint yet Again
    .
    OMG. This is so spooky... We could be twins.
    Hurrah. Am trying not to sound like a stalker. lol.
    Originally posted by savingwannabe


    Ha ha made me laugh savingwannabe. I know what you mean though about giving out too much info so people can identify you I'm not on facebuck because I don't want to be friends with people at work


    I do use whatsapp now... B-in-L installed it for me in the summer when I visited them and I keep in touch with one sister and niece (other sister's daughter) but DP's have only just gone on-line and now I email them but then they have to phone me to remind them how to open it to read it


    Am off to have a look at the MSE Elite shopping thread. Thanks for the heads up .
    Balance 0% credit card 1360 698
    0% Car Loan 7500 balance to pay 1/10/19 160 1/11/19 160 1/12/19 160 finishes 1/1/2020 140.
    Emergency fund 100
    • Skint yet Again
    • By Skint yet Again 6th Feb 17, 8:12 PM
    • 3,697 Posts
    • 19,370 Thanks
    Skint yet Again
    I managed to get up and go into work today. Porridge for brekkie. Called off for some petrol on the way in as I've been running on fumes since last week but thankfully despite the orange light I did make it to the garage. I put 20 in so that should hopefully last 2 weeks. I resisted the smell of the on-site bakery and just got some cough sweets. They didn't have any sugar free ones so I tried not to eat too many


    When I left work at lunch time the smell of mcD's was so enticing but I managed to resist ! I had bought some liver in aldi on Friday 1.11 for 507g so I pan fried about a third with onions and made some gravy granules and a jacket potato nuked in the microwave. Was lovely and probably cost less than 1. Also meant I didn't need to cook a meal tonight as DS can have a batch cooked freezer meal. My DP's get me oxo gravy granules in bulk with their booker card


    Heating has been off all day, just on this evening for 15 minutes to take the chill off whilst DS has a shower & gets ready for work. Thankfully I got free insulation whilst DS was at college and I was on tax credits so the house retains its heat quite well.


    Car tax is due at the end of this month and will be about 140. I usually save over the year and pay off in one so I have the funds but I may look at direct debit - not sure if its more expensive.


    Also need to get my hair done as I'm starting to look like a grey stripe badger ! I still have some Christmas money left from DP's so may use that - I usually pay 40 for a cut & colour.


    Fairly pleased with my spends today. Managed to save a little too.
    Balance 0% credit card 1360 698
    0% Car Loan 7500 balance to pay 1/10/19 160 1/11/19 160 1/12/19 160 finishes 1/1/2020 140.
    Emergency fund 100
    • savingwannabe
    • By savingwannabe 7th Feb 17, 8:30 AM
    • 14,210 Posts
    • 47,672 Thanks
    savingwannabe
    Hello Well done on saving money. Gosh you will hate posting as we will all stalk you with money saving ways for savings.

    OMG I have never paid 40 for a hair cut. What do you get done? my hair cut is a bob. My hairdresser visits my house and she is lovely. Ask all your friends who cuts their hair. Someone is bound to have a lovely cut from a reasonable priced hairdresser it is far better than going to a posh salon. Can you dye it yourself?


    Sugar free Strepsils were on offer in asd* a few weeks ago? Do you know you can do a search on moneysupermarket for best prices in all supermarkets and stock up on them.

    Have a good day.
    Christmas Fund 248 No spend month?
    • Skint yet Again
    • By Skint yet Again 7th Feb 17, 8:27 PM
    • 3,697 Posts
    • 19,370 Thanks
    Skint yet Again
    Thanks for the tip about cough sweets savingwannabe. Where I get petrol it is only a small Tesco express so they didn't have any sugar free but I will get some for my "medicine" cupboard


    40 is cheap for a hair cut here unless you go to the college as a guinea pig. I go to someone who works from home and that price includes cut, base colour, foils and blow dry. I usually manage to last 6-8 weeks between visits so 20 a month. I tried doing it at home myself but despite trying lots of colours I didn't really like the results. A posh salon here is 70+


    All the rain we've had has washed my car. I can't physically manage to do it myself any more and I don't take it to the car wash ... It gets a wash and valet as part of the mot and service all included in my service plan. My last car was black and looked dirty all the time so this time I went for a metallic grey one - and they gave me paint protection treatment free as part of the deal so I don't buy any fancy car wash/polish treatments


    Very tired today but managed to cook a roast earlier. Leftovers sliced up and put in the freezer. DS off to work in a minute then I think I will iron some trousers for work tomorrow and off to bed.


    I have 6 pairs of work trousers, 4 black & 2 navy bought in Asda last year at 5 a pair. Usually one pair a day and then all bunged in a quick wash at the end of the week and a quick blast on the washing line they don't take long to dry. Most of my work tops are non-iron thankfully as I try not to do any ironing
    Balance 0% credit card 1360 698
    0% Car Loan 7500 balance to pay 1/10/19 160 1/11/19 160 1/12/19 160 finishes 1/1/2020 140.
    Emergency fund 100
    • Skint yet Again
    • By Skint yet Again 8th Feb 17, 3:04 PM
    • 3,697 Posts
    • 19,370 Thanks
    Skint yet Again
    Car tax reminder arrived today and its only 110 not 140 so that's a bonus ! Its 115.50 - a 5% surcharge to pay by monthly direct debit so no incentive to do that, so I think I'll stick to paying annually and gain the interest and keep the extra 5.50.


    Had some morrisons curry noodles for lunch (cost 3 for 50p not 3 for 1 that I said before - so even cheaper!) with leftover pork and veg and some soy sauce.
    Balance 0% credit card 1360 698
    0% Car Loan 7500 balance to pay 1/10/19 160 1/11/19 160 1/12/19 160 finishes 1/1/2020 140.
    Emergency fund 100
    • savingwannabe
    • By savingwannabe 8th Feb 17, 6:12 PM
    • 14,210 Posts
    • 47,672 Thanks
    savingwannabe
    Well done. I cooked a chicken curry it's the only one I can cook. It was really nice and will do me for another couple of days.
    Christmas Fund 248 No spend month?
    • Skint yet Again
    • By Skint yet Again 9th Feb 17, 9:31 PM
    • 3,697 Posts
    • 19,370 Thanks
    Skint yet Again
    Day off work today and a visit to the Doc resulted in 4 lots of pills The only good thing about being diabetic is free prescriptions.

    Spent most of the day sleeping, hopefully the antibiotics will kick in by tomorrow

    Tried some chicken thighs tonight in a curry as have seen people raving about how cheap and yummy they are. They were ok but I prefer chicken breast and as the price is the same I think I'll stick with them.

    aldi 700g frozen chicken breasts = 3.49 or 0.49p per 100g
    500g chicken thighs fresh = 2.49 or 0.49p per 100g


    Sometimes we get chicken from muscle foods when they are doing meat offers but I think the meat in aldi is good for the money.
    Balance 0% credit card 1360 698
    0% Car Loan 7500 balance to pay 1/10/19 160 1/11/19 160 1/12/19 160 finishes 1/1/2020 140.
    Emergency fund 100
    • savingwannabe
    • By savingwannabe 10th Feb 17, 8:26 AM
    • 14,210 Posts
    • 47,672 Thanks
    savingwannabe
    Have good rest you have earned it. I hope the pills work.

    I eat chicken legs as they are cheaper.

    The weather is quite chilly today. At least the days are getting brighter and summer is just round the corner.
    Christmas Fund 248 No spend month?
    • Skint yet Again
    • By Skint yet Again 10th Feb 17, 4:29 PM
    • 3,697 Posts
    • 19,370 Thanks
    Skint yet Again
    Another day at home. At least its been a NSP/NPD.


    The sun made an appearance first thing so I put some towels in the wash. By the time they had finished it had clouded over but I still put them out to blow on the line for a few hours. The heating came on at 4pm for 15 minutes so I finished them off on the radiators.


    Found a cod fillet lurking in the freezer and had that with oven chips for lunch.


    Had an email from the bank and I have earned 2.33 in rewards woo hoo .... its a start !
    Balance 0% credit card 1360 698
    0% Car Loan 7500 balance to pay 1/10/19 160 1/11/19 160 1/12/19 160 finishes 1/1/2020 140.
    Emergency fund 100
    • Skint yet Again
    • By Skint yet Again 11th Feb 17, 11:20 AM
    • 3,697 Posts
    • 19,370 Thanks
    Skint yet Again
    Blimey its cold this morning. DS stayed out at a friends last night so I'm still in bed with duvet and laptop keeping me warm. Will need to put the heating on when I get up.


    Had a bacon roll for breakfast - it smelt lovely but I couldn't taste it hope antibiotics work soon. Will make some veg soup for lunch & we are having a roast chicken later which should have enough leftovers to last for a few meals / lunches


    Aiming for another NSD/NPD today.


    Have had to do some juggling with my finances this month as I forgot about my credit card bill 71.51 this month and the extra gas / electric as I switched provider so have a smallish bill from eon of 14.34 plus new amount at co-op of 65 a month.


    I have realised its not only a council tax free month this month (money put in holidays account) but also water rates (waste water) free so will use the credit of 31.33, bills money of 100 and credit left in my account end of last month 49.53 = 180.86 to cover car tax 110 and credit card 71.51 = 181.51 = 0.65p to pay


    The gas & elec total 77.51 & 0.65p from above = 78.16 which will be covered by the direct debit previous amount budgeted in SOA of 58 and the rent increase DS is now paying of 20 a month = 78 plus 0.16p from the 5 buffer left in the SOA.


    I will have to update my SOA to increase the "board" money from DS and take into account the gas & elec now 65 a month from March.


    At least I shouldn't need to dip into savings to pay off the bills this month


    Petrol spent 20/40 money left 20
    Spending money left 27.56 roll on pay day !
    Last edited by Skint yet Again; 11-02-2017 at 11:27 AM.
    Balance 0% credit card 1360 698
    0% Car Loan 7500 balance to pay 1/10/19 160 1/11/19 160 1/12/19 160 finishes 1/1/2020 140.
    Emergency fund 100
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

440Posts Today

5,160Users online

Martin's Twitter