A Frugal Life for Me!

1…1112141617…20

Comments

  • nowpanicking
    nowpanicking Posts: 430 Forumite
    Hi Moneywhizz, no he doesn't. His money tends to go on booze so I just buy it when doing my weekly shop and then deduct from the his envelope. I have explained that I want to be a lot stricter with the budgets this year so hopefully today was just a wee blip. Apart from anything else, the takeaway here isn't even that good so it is just a waste of money.
    New starting debt 30/12/2018 £30,164.76:eek:
    Revised debt £29,361.70 2.66% paid
  • nowpanicking
    nowpanicking Posts: 430 Forumite
    It's the weekend!! :j

    Looking forward to my day out with DS. Hoping to not spend more than £25 but that may be a bit optimistic.. That allows £10 for the cinema and £15 for lunch. Should be doable.

    The only thing will be not to be tempted in the book shop for myself.

    No gym today as we're going out plus I'm due a rest day. Back to it tomorrow :D one of my goals this year, apart from reducing debt, is to get a lot fitter and hopefully lose a bit of weight at the same time. This will be achieved by going to the gym 4 or 5 times a week plus healthy eating. Not a diet as such but sticking to healthy meals and healthy snacks. I feel so much better when I'm being healthy so don't know why I don't always stick to it!!! :o

    Anyway, list for today :

    - day out within budget
    -. Meal per meal planner
    - check bank
    - load of washing on the clothes horse

    Have a great Saturday everyone :)

    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
    It has been a great day with DS :) it has been a bit spendy however. Cinema budget I slightly overspent by 67p and lunch budget by £2.25. Not too bad but I did forget about parking which was £4.00 and I did buy a book :o which was £5.00. Oh... And I treated us to ice cream :o

    So in total £31.92 is to come out of family day out funds and £11.39 out of my personal spends. The £11.39 is for the book and the ice cream with the £31.92 covering the rest. It was a great day though. The only spend I'm actually annoyed at is the parking as I should have thought about that when planning the day.

    DS got his pocket money for the pay period. He has actually spent most of it today so he has been well warned that that is it until payday. I did suggest he might want to keep some but he said he is happy to go without for the next few weeks. We will see.

    I also filled the car with petrol which I do every second week.

    OH is doing well. He has actually not spent anything!! :)

    Everything on the list is done and the funds are:

    £160.46 Groceries
    £47.27 Petrol
    £78.28 tobacco
    £47.27 my personal spends
    £80.00 OH personal spends
    £0.00 DS pocket money
    £8.75 Family days out + £1.53 in cash
    £20.00 school lunches
    £50.00 house
    £13.98 bal cfwd from last pay
    507.35 total

    £20.00 in purse

    26 days until payday.
    New starting debt 30/12/2018 £30,164.76:eek:
    Revised debt £29,361.70 2.66% paid
  • Moneywhizz
    Moneywhizz Posts: 459 Forumite
    First Anniversary First Post
    It is a learning process for everyone this month. I wonder if DS will change his mind about spending his allowance all at once next month. He possibly does not realise yet that you mean to stick to your word this month. Also not much left in the family day out fund. You will have to get creative and look for things to do that are free or very low cost. You are doing great tracking the spends.
  • nowpanicking
    nowpanicking Posts: 430 Forumite
    edited 13 January 2019 at 2:05PM
    Moneywhizz wrote: »
    It is a learning process for everyone this month. I wonder if DS will change his mind about spending his allowance all at once next month. He possibly does not realise yet that you mean to stick to your word this month. Also not much left in the family day out fund. You will have to get creative and look for things to do that are free or very low cost. You are doing great tracking the spends.

    Thanks Moneywhizz :)

    Yes, the family day out fund is looking a bit low. It should be fine though as the rest of the pay period, we can go for family walks and other free activities :)

    I'm interested to see how DS gets on now for the rest of the pay period. There is also a £20 lunch money fund so if he underspend on that, he would have some spare funds. I am going to stick to the budgets from now on and I'm hoping this will also teach DS to be able to manage his money from an early age.
    New starting debt 30/12/2018 £30,164.76:eek:
    Revised debt £29,361.70 2.66% paid
  • nowpanicking
    nowpanicking Posts: 430 Forumite
    It's been a busy day so far. Hit the gym in the morning and then been busy all day with housework, washing etc. Also bought some planned items from the house fund.

    Planning on a chilled evening now before being back to work tomorrow.

    Meal tonight will be per meal planner.

    I'm planning on a few NSDs next week and sticking with the healthiness :D

    Funds are:

    £160.46 Groceries
    £47.27 Petrol
    £78.28 tobacco
    £47.27 my personal spends
    £80.00 OH personal spends
    £0.00 DS pocket money
    £8.75 Family days out + £1.53 in cash
    £20.00 school lunches
    £10.53 house
    £13.98 bal cfwd from last pay
    467.88 total

    £20.00 in purse

    25 days until payday.

    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
    Morning! Monday again, start of a new week:)

    List for today:

    - meal per meal planner
    - hm soup made yesterday in for lunch
    - gym
    - no unhealthy snacks
    - small spends required as I need to get bread and milk
    - check bank

    That's it from me. Have a great Monday everyone :)

    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
    Good evening :)

    I've completed my list for today. Small spends as planned and I didn't buy anything apart from the bread and milk :D

    Planning on a chilled evening reading.

    Funds are:

    £156.79 Groceries
    £47.27 Petrol
    £78.28 tobacco
    £47.27 my personal spends
    £80.00 OH personal spends
    £0.00 DS pocket money
    £8.75 Family days out + £1.53 in cash
    £20.00 school lunches
    £10.53 house
    £13.98 bal cfwd from last pay
    464. 21 total

    £20.00 in purse

    24 days until payday

    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
    Well done NP for staying in control and only buying the two items you needed! :T
    52 Week Savings Challenge #26 11/52

    Virtual Sealed Pot Challenge 2023 #2 £305.60/£300
  • nowpanicking
    nowpanicking Posts: 430 Forumite
    On my break so a quick update for today. No gym today so I will go for a walk around the shops at lunchtime. I need to get cash out for school lunches but apart from that shouldn't be spending anything whilst at the shops. Window shopping only!!! :D

    List for today:

    - meals per meal planner
    - yoga tonight so small spend for that
    - check bank
    - start to have a look at holidays for the summer
    - no unhealthy snacks (which is hard today for some reason!!!)

    That's it for today.

    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
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

Categories

  • All Categories
  • 343.2K Banking & Borrowing
  • 250.1K Reduce Debt & Boost Income
  • 449.7K Spending & Discounts
  • 235.2K Work, Benefits & Business
  • 608K Mortgages, Homes & Bills
  • 173K Life & Family
  • 247.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 15.9K Discuss & Feedback
  • 15.1K Coronavirus Support Boards