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  • FIRST POST
    • Skint yet Again
    • By Skint yet Again 5th Feb 17, 10:27 AM
    • 3,698Posts
    • 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 648
    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 4
    • savingwannabe
    • By savingwannabe 25th Feb 17, 9:38 AM
    • 14,214 Posts
    • 47,674 Thanks
    savingwannabe
    Morning this sounds really MSE. Well done. You have inspired me I will do chicken wings tomorrow to save money.
    Christmas Fund 248 No spend month?
    • Skint yet Again
    • By Skint yet Again 25th Feb 17, 2:03 PM
    • 3,698 Posts
    • 19,370 Thanks
    Skint yet Again
    Glad I have inspired you SW

    I went to local shops with a friend but didn't get anything in the charity shops. However they were having a sale in Poundland and everything was 90p so stocked up on toothpaste & pack of 3 toothbrushes. Then went to card factory for birthday cards 2 x 59p 1 x 79p. We stopped for a sit down half way round as my back was aching and had a cup of tea in one of the cafes 1. Also bought some sugar free Tunes at 50p for my medical stash & a pack of batteries 1 (round flat ones) for the weighing scales so no excuse must weigh myself in the morning ! All came to under 10

    shopping / food spends Feb 250.39 / 300

    Have pegged some washing out followed your tip SW re extra pegs as its really windy out there
    Last edited by Skint yet Again; 25-02-2017 at 2:06 PM.
    Balance 0% credit card 1360 648
    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 25th Feb 17, 2:14 PM
    • 14,214 Posts
    • 47,674 Thanks
    savingwannabe
    Well done on being MSE. Its freezing here but nice in a way. I am getting excited about my garage. Lots of work involved. I reckon that will fill a few days of next week and keep me occupied.

    I went to post office and had to write notes!!!!
    Christmas Fund 248 No spend month?
    • Skint yet Again
    • By Skint yet Again 26th Feb 17, 9:32 AM
    • 3,698 Posts
    • 19,370 Thanks
    Skint yet Again
    I am following your example SW and decluttering today.

    I've made a start on downstairs and already have 4 empty boxes from xmas deliveries for recycling and have cleared the kitchen table and put the washing away. Have been up and down stairs half a dozen times so am now having a sit down..

    Its sunny here today so the first load of washing is just spinning and about to go out on the line. The heating was on last night as it was really cold but is off today.

    Should be a NSP/NPD today
    Balance 0% credit card 1360 648
    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 26th Feb 17, 12:27 PM
    • 3,698 Posts
    • 19,370 Thanks
    Skint yet Again
    The day started so well - sunny, windy morning so I had all windows open and some fresh air through the house. More tidying done and bathroom cleaned. 2 lots washing hung out.
    Now its raining & grey outside. All washing brought in and it will finish off on airers apart from jeans which are on radiators waiting for heating to come on later tonight.

    I have been considering a revamp in my kitchen as the tiles are a bit old fashioned. They are mostly dark green with some cream flowery ones dotted about. I saw some tile stickers in the 1 shop yesterday they are mosaic and have a 3d effect and sparkle in the light so I bought one to try - I would need to get 20 to cover all the cream ones and would probably get a few for spares, so about 25. I am tempted to go back on Tuesday (payday) as the one I bought looks really good and they are heat resistant & humidity resistant and can be wiped clean. I can use some of the money saved on the food/petrol budgets this month
    Balance 0% credit card 1360 648
    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
    • vic_sf49
    • By vic_sf49 26th Feb 17, 1:44 PM
    • 185 Posts
    • 175 Thanks
    vic_sf49

    -Have had a walk round the local pond its nice in the sun but the wind is cold, took empty jars and bottles with me and dropped off at glass bank, called in at co-op 4 pints milk 1 salad 1 spinach 1
    total shopping spends Feb 235.14 / 300
    Originally posted by Skint yet Again
    Just noticed your milk purchase for 1, and am a bit annoyed that my co-op, and others in this area, sell milk at 1.39 for a 4-pinter...

    ...yes, it saves a car trip to a bigger / cheaper supermarket, but still...Grrr.
    • savingwannabe
    • By savingwannabe 26th Feb 17, 2:47 PM
    • 14,214 Posts
    • 47,674 Thanks
    savingwannabe
    Lol vic you made me laugh.

    Well done Skint Again, you did really well. I just cleaned. I am trying not to go to supermarket but really fancy some mango. I will use up whats in freezer to save money. Payday at midnight tomorrow. Can't wait.
    Christmas Fund 248 No spend month?
    • Skint yet Again
    • By Skint yet Again 26th Feb 17, 4:43 PM
    • 3,698 Posts
    • 19,370 Thanks
    Skint yet Again
    Sorry vic most places sell 4 pints for 1 here in the south. Maybe depends on which co-op you are with and their local supply. Why not email your area and ask them why they charge so much ?


    I have just watched Shop Well for Less I cant believe how much that family spent ! They had over 200 pairs of shoes between them costing 12,000 and technology (ipads phones etc) in excess of 10,000 and they could save over 7000 swopping to own brands. OMG I cant believe it !
    Balance 0% credit card 1360 648
    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
    • bobobski
    • By bobobski 26th Feb 17, 5:56 PM
    • 736 Posts
    • 1,793 Thanks
    bobobski
    Gosh you were out and about before 8am on a weekend day?! I didn't get out of bed until 10.30 today! What a low-spend shopping trip - good for you. Those tile stickers sound like a great way to re-vamp your kitchen without costing a fortune - what a good find!

    I think my Co-op is like Vic's - I can't remember exactly what it is but I know milk is significantly more expensive than at Tesco as is everything else, which is why I avoid it!

    Those families with all that stuff might be trying to fill a void and maybe not even with their own money. I find it quite sad really that people do that. Of course some people can afford it and do genuinely use all the stuff, in which case good for them. But I have friends who have all this stuff, no money and not satisfied. Different strokes for different folks I guess.
    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 26th Feb 17, 6:06 PM
    • 3,698 Posts
    • 19,370 Thanks
    Skint yet Again
    Fair enough they were a family of 6 kids (3 sets of twins ) but 3 year olds with over 30 pairs of shoes each including Hunter wellies and they went on the programme to be able to afford a holiday... just goes to show some people still do not know about MSE but I suppose they pick extreme examples for these TV shows


    Our co-op's prices have reduced dramatically recently for basics like eggs & milk & they do fruit and veg offers. Must depend on the regional area
    Last edited by Skint yet Again; 26-02-2017 at 6:12 PM.
    Balance 0% credit card 1360 648
    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 26th Feb 17, 6:21 PM
    • 14,214 Posts
    • 47,674 Thanks
    savingwannabe
    I forgot to watch the programme. I will watch it on catch up. I love things like that.

    Do you remember 'Bank of Mum and Dad' and 'Spendaholics' and also Alvin hall's programme (cant remember what it was called) from the early 90s?

    I love anything about moneysaving. The best place to learn is here though.
    Christmas Fund 248 No spend month?
    • snozberry
    • By snozberry 26th Feb 17, 6:33 PM
    • 1,186 Posts
    • 2,157 Thanks
    snozberry
    I loved watching Alvin Hall's tv programme. I still have the book somewhere
    • savingwannabe
    • By savingwannabe 26th Feb 17, 6:38 PM
    • 14,214 Posts
    • 47,674 Thanks
    savingwannabe
    I'm going to watch it on 'Catch Up'.
    Christmas Fund 248 No spend month?
    • Skint yet Again
    • By Skint yet Again 27th Feb 17, 12:36 PM
    • 3,698 Posts
    • 19,370 Thanks
    Skint yet Again
    payday tomorrow
    Took porridge to work for breakfast & have just had some leftover slices of roast beef from the freezer with quick curry sauce (1 tablespoon gravy granules & 1 tablespoon curry powder) & half pack micro rice. Have a chicken in the fridge to roast later with potatoes and veg & then that's it - fridge and freezer looking very empty. Will go shopping tomorrow.


    Good things for Feb -
    saved 100 into long term savings
    saved 50 in xmas account
    saved 128 into holiday account (council tax free month)
    saved just under 50 from grocery budget (into bills account)
    saved 10 from petrol budget - carried forward
    met up with a new lovely friend
    have done some de-cluttering
    bank rewards - 3.72

    Plans for march -
    -lose 3lb (weighed myself and am 3lb up on pre operation weight)
    -save 100 into long term savings
    -save 50 into xmas account
    -save 128 into holidays account (council tax free month)
    - another 3.72 bank rewards
    -save 100 into bills account - line rental saver due for renewal, house insurance due may & 2 fence panels being replaced Easter
    -more de-cluttering and put spare wardrobe on gum tree
    -get out more - do more socialising now the weather is getting warmer but within budget of course
    Last edited by Skint yet Again; 27-02-2017 at 3:23 PM.
    Balance 0% credit card 1360 648
    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 27th Feb 17, 3:38 PM
    • 3,698 Posts
    • 19,370 Thanks
    Skint yet Again
    Statement of Affairs and Personal Balance Sheet
    Household Information

    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............................ 280
    Total monthly income.................... 1356.75

    Monthly Expense Details

    Mortgage................................ 208
    Secured/HP loan repayments.............. 0
    Rent.................................... 0
    Management charge (leasehold property).. 0
    Council tax............................. 128 (2 free mth holiday fund)
    Electricity............................. 65 dual fuel
    Gas..................................... 0
    Oil..................................... 0
    Water rates............................. 44
    Telephone (land line)................... 0
    Mobile phone............................ 7
    TV Licence.............................. 12.12
    Satellite/Cable TV...................... 0
    Internet Services....................... 38 TV bband phone TiVo/HD
    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
    union fees ............................. 7.76
    savings for bills....................... 100 (car/house ins line rent house maintenance
    long term savings ...................... 100
    Total monthly expenses.................. 1178.16


    Assets

    Cash.................................... 0
    House value (Gross)..................... 0
    Shares and bonds........................ 0
    Car(s).................................. 0
    Other assets............................ 500 emergency fund
    Total Assets............................ 0


    Secured & HP Debts

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

    Unsecured Debts
    Description....................Debt......Monthly.. .APR
    parents car loan...............5420......160.......0
    Total unsecured debts..........5420......160.......-


    Monthly Budget Summary

    Total monthly income.................... 1,356.75
    Expenses (including HP & secured debts). 1,178.16
    Available for debt repayments........... 178.59
    Monthly UNsecured debt repayments....... 160
    Amount left after debt repayments....... 18.59

    Personal Balance Sheet Summary
    Total assets (things you own)........... 0
    Total HP & Secured debt................. -29,738
    Total Unsecured debt.................... -5,420
    Net Assets.............................. -35,158

    Created using the SOA calculator at www.stoozing.com.
    Reproduced on Moneysavingexpert with permission, using other browser.





    I have updated my SOA with the new gas/electric and increased bills/food money from DS. I am planning to have as much fun as possible on that 50 entertainment budget ! I must look at tv phone & b/b deals too or try and barter down with VM this month
    Last edited by Skint yet Again; 27-02-2017 at 3:45 PM.
    Balance 0% credit card 1360 648
    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 27th Feb 17, 4:25 PM
    • 14,214 Posts
    • 47,674 Thanks
    savingwannabe
    Good. If they don't agree to a big reduction threaten to leave. Well done on having a plan. I have got to get one. I just spent my entire Christmas fund! lol.
    Christmas Fund 248 No spend month?
    • Skint yet Again
    • By Skint yet Again 27th Feb 17, 4:59 PM
    • 3,698 Posts
    • 19,370 Thanks
    Skint yet Again
    Well you know the old saying about "best laid plans ..." hopefully nothing will crop up but if I see a bargain you never know


    I have spoken to my dad about the tile stickers as I got no replies to my post on the In your home board and I am not going to buy them. He thinks they will be too close to my gas hob - naked flame and all that - its a shame as they did look good but don't want to risk it.
    Balance 0% credit card 1360 648
    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
    • Maiden Mum
    • By Maiden Mum 27th Feb 17, 5:55 PM
    • 156 Posts
    • 385 Thanks
    Maiden Mum
    Wow, you did well with your savings this month skintyetagain!

    Shame about the tile stickers, they sounded like sucha good idea!
    • savingwannabe
    • By savingwannabe 27th Feb 17, 5:58 PM
    • 14,214 Posts
    • 47,674 Thanks
    savingwannabe
    Ive seen them used on tv shows where they decorate houses and I am surprised they are not fire retardant (how do you spell it?) seeing as they are likely to be used in a kitchen or bathroom. Still at least you know before you find out.

    Someone suggested to me that we can paint on the tiles but I don't know which paint. Mine need doing too.
    Christmas Fund 248 No spend month?
    • Skint yet Again
    • By Skint yet Again 27th Feb 17, 6:01 PM
    • 3,698 Posts
    • 19,370 Thanks
    Skint yet Again
    I know they were a bargain too MM - perhaps I should buy some and flog them on ebay ... I found the same ones on amazon and they are much more expensive !


    SW - They are heat resistant up to 60-80 degree C (140 - 176 degree F) but warning keep away from fire source at least 30 cm from flame - they would not be far enough away from my gas hob
    Last edited by Skint yet Again; 27-02-2017 at 6:03 PM.
    Balance 0% credit card 1360 648
    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
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