A Frugal Life for Me!

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  • nowpanicking
    nowpanicking Posts: 430 Forumite
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    Littletinks wrote: »
    Your spreadsheets sound fab, gotta love a list/spreadsheet.
    I do think treats along the way help. Enjoy your nails getting done later.

    X

    Ps do you read through Martin Lewis's email today, lots of great tips on there and some good deals to be had.

    Life without spreadsheets!! :eek::rotfl:

    Will check out the email:)

    NP x
    New starting debt 30/12/2018 £30,164.76:eek:
    Revised debt £29,361.70 2.66% paid
  • nowpanicking
    nowpanicking Posts: 430 Forumite
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    nowpanicking wrote: »
    I'm at work so a very quick update for today's plan:

    - gym
    - meals per meal planner. I have hm soup with me for lunch.
    - no unhealthy snacks
    - NSD
    - nails getting done using voucher
    - have a think about a quarterly target per Littletinks suggestion :)
    - check bank

    Pay day tomorrow :j

    That's it for now.

    NP x

    I have pretty much completed the list. I cannot believe I have funds left in the bank. Payday tomorrow and I have £13.98 in my spend account plus over £60 sitting in the bills account. This NEVER happens. I usually have spent down to the last few pennies and sometimes onto the cc's. I am so pleased :j

    I am aiming to put £400 to the cc's each pay so my balance should reduce by £1,200 in 3 months time. Hopefully it will be more than this if I manage to make any extra payments.

    Funds are exactly the same as yesterday :D

    Have a great evening everyone.

    NP x
    New starting debt 30/12/2018 £30,164.76:eek:
    Revised debt £29,361.70 2.66% paid
  • Littletinks
    Littletinks Posts: 197 Forumite
    First Anniversary Name Dropper First Post
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    Fantastic well done :T:j
    52 Week Savings Challenge #26 11/52

    Virtual Sealed Pot Challenge 2023 #2 £305.60/£300
  • nowpanicking
    nowpanicking Posts: 430 Forumite
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    Thanks Littletinks!!! :)

    Morning everyone. It is payday!! :j

    Sitting having a cuppa and thinking about what needs done today so here goes:

    - transfer spend funds to spend account already done
    - transfer savings amounts to holiday and presents savings accounts
    - do list for weekly shop
    - do weekly shop
    - gym
    - update budget spreadsheet
    - meals per meal planner

    That's it for me. Have a great day everyone.

    NP x
    New starting debt 30/12/2018 £30,164.76:eek:
    Revised debt £29,361.70 2.66% paid
  • Moneywhizz
    Moneywhizz Posts: 459 Forumite
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    You sound very organised and on top of this. The key now is to stick to your spends budget and everything else will take care of itself. Just think how much money you are going to have extra when this debt is gone. Then you can choose how to spend/save it rather than pay it all to debt. I think you have turned a corner, well done.
  • nowpanicking
    nowpanicking Posts: 430 Forumite
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    Moneywhizz wrote: »
    You sound very organised and on top of this. The key now is to stick to your spends budget and everything else will take care of itself. Just think how much money you are going to have extra when this debt is gone. Then you can choose how to spend/save it rather than pay it all to debt. I think you have turned a corner, well done.

    Thanks Moneywhizz. I do really feel a difference this time and the buzz I felt today knowing that I hadn't gone over my budgets was such a good feeling :)
    New starting debt 30/12/2018 £30,164.76:eek:
    Revised debt £29,361.70 2.66% paid
  • nowpanicking
    nowpanicking Posts: 430 Forumite
    edited 10 January 2019 at 8:20PM
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    nowpanicking wrote: »

    - transfer spend funds to spend account already done
    - transfer savings amounts to holiday and presents savings accounts
    - do list for weekly shop
    - do weekly shop
    - gym
    - update budget spreadsheet
    - meals per meal planner

    The whole list is completed. The weekly shop came in at the expected amount so pleased about that. I did check out the YS isle in Asd@ but didn't see anything. Will keep checking it out each week to see if I can grab any bargains.

    So this is day 1 of me properly tracking my budgets. I'm planning on continuing to post here each day plus post where I'm at with the spend budgets. Hopefully this will keep me in line!!! :D

    So I have spent today:

    £56.54 on groceries which is what I had planned.
    £31.72 on tobacco (3 packs this week, 2 next week and so on)
    £20.00 cash for me. This is from my personal spends and will be my purse funds to cover yoga plus bits and bobs such as contributions for presents at work etc. Anything left will go into the change tub for holiday spends.

    Budgets remaining are:

    £160.46 - Groceries
    £80.00 - Petrol
    £89.28 - Tobacco
    £60.00 - My personal spends
    £23.00 - DS pocket money
    £80.00 - OH personal spends
    £50.00 - Family days out
    £20.00 - Lunch money for DS
    £13.98 - Balance remaining at pay day**
    £601.74 TOTAL IN SPEND ACCOUNT

    £20.00 in purse.

    27 days until payday.


    ** Still undecided what to do with the balance remaining from pay day. I did just have a treat with having my nails done with the voucher I had. Will keep it aside for now.


    NP x
    New starting debt 30/12/2018 £30,164.76:eek:
    Revised debt £29,361.70 2.66% paid
  • nowpanicking
    nowpanicking Posts: 430 Forumite
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    Happy Friday everyone :)

    Looking forward to the weekend as spending day with DS tomorrow. Planning on lunch and cinema so having a look for deals. Already found a good deal for the cinema so that's sorted :D

    Meal plan for week was done whilst doing shopping list :

    Chilli
    HM pizza
    Fish and chips
    Stew
    Pork burgers
    Soup and pudding
    Pasta and garlic bread

    List for today:

    - check bank
    - meals per meal planner
    - NSD
    - gym
    - no unhealthy snacks

    Smallish list for today but that's fine.

    NP x
    New starting debt 30/12/2018 £30,164.76:eek:
    Revised debt £29,361.70 2.66% paid
  • nowpanicking
    nowpanicking Posts: 430 Forumite
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    So gym and no unhealthy snacks has been achieved :D

    Slight hiccup on the NSD as OH promised DS a takeaway as a payday treat. This is what we usually do but was planning on eating per the meal planner. So did get DS a takeaway and OH and I will have the planned meal. OH also bought extra treats for DS whilst picking up the takeaway.

    What I'll do is look at a cheaper option for lunch tomorrow to help offset against the spend tonight.

    Still to check the bank which I'll do after tea.

    Funds are :

    £160.46 Groceries
    £80.00 Petrol
    £78.28 tobacco
    £60.00 my personal spends
    £80.00 OH personal spends
    £23.00 DS pocket money
    £42.20 Family days out... Takeaway etc deducted
    £20.00 school lunches
    £50.00 house
    £13.98 bal cfwd from last pay
    593.94 total

    £20.00 in purse

    26 days until payday.

    Will have a browse through the diaries after tea then a chilled night.

    Have a great Friday night everyone :)

    NP x
    New starting debt 30/12/2018 £30,164.76:eek:
    Revised debt £29,361.70 2.66% paid
  • Moneywhizz
    Moneywhizz Posts: 459 Forumite
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    Does your DH have access to your bank account where the spends money is? If he is a bit of a spendthrift it might be better if he only has access to his own money. He probably wouldn't be so quick to promise treats if it was coming from his pocket money! It is a learning curve at the moment, hopefully he is a quick learner!
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