Lucifa's (Ac)counting the pennies DFW diary

redsquirrel80 · 2 August 2010 at 11:48AM

Well that's always nice

Lucifa73 · 3 August 2010 at 8:23AM

Aunt Flo arrived this morning. Nearly rolled over and went back to sleep but in a (not so rare theses days) moment of madness I stood up to her and got up and went to the gym.

Not a session to light the world on fire but the fact I even got up at all is a HUGE step forward.

Lucifa73 · 30 August 2010 at 2:43PM

Well it's that time again - yep its pay day.

Now I'm out of probabtion I am entitled to the childcare voucher scheme so 243 will be coming off gross so net pay will be less but overall I should be about the same (paying less to joint account and paying less tax NI should even out what is left in my personal pot)

So here's the rough and ready SOA for September

Income ..........1890
Joint a/c ........(850)
Other pmts .....(138)
Debt pmts ......(496) this includes 200 to Barclaycard
'Surplus' ..........406

I would like to but new trainers this month (about £40) and finally get a couple more shirts for work (about £50) but other than that no spends planned so will be interesting to see how much I am left with come 30 September...

beanielou · 30 August 2010 at 8:43PM

A healthy looking surplus there

Lucifa73 · 31 August 2010 at 7:47AM

beanielou wrote: »

A healthy looking surplus there

Hopefully I will manage to hang on to some of it and chuck a bit more at the Barclaycard this month;)

Lucifa73 · 30 September 2010 at 9:10AM

Hooray - tis payday again:j

Hag £150 left from last month's pay but instead of chucking it at the Barclay card I decided to top up the Xmas fund...

So this month's mini budget

Income: 1890 (after childcare vouchers 243)

Expenses
Joint account 850
Debt payments 313
Other D/Ds 124

Surplus 603

Committed Extras:
Train ticket 90
Craft fair 50
Personal training 45

Balance 418

I will definitely need new trousers and shirts this month! Hoping for another 100 to the Xmas pot (which will also cover anniversary and Hubbles' birthday...)

Lucifa73 · 23 November 2010 at 12:44PM

Pleased to report that total debt is once again less than £9,000:D

As of next Monday the loan will be paid in full:D:D

Probably no drastic move before end of the year but 2011 will see the HBoS overdraft and at least 1 credit card kicked into touch:D:D:D

You know if I hadn't been made redundant I would not have the OD or the Egg card debt:cool::o

Lucifa73 · 30 November 2010 at 3:18PM

A&L loan is finally gone! Woohoo!

Need to drill into the HBoS OD now as they have moved from charging an interest rate to charging £1 a day for the facility !!!!!!!:mad: That means no matter how quickly I pay it off every month will cost be around £30:mad::mad:

Gemmzie · 30 November 2010 at 3:32PM

I had that with my Halifax account too Luc, it doesn't seem fair does it.

Lucifa73 · 30 November 2010 at 3:49PM

Its ridiculous. The cost of my OD has basically doubled :mad:. A&L (or Santander now I suppose) do the similar but there is a cap of £5 per month which is MUCH more reasonable!:cool:

Lucifa's (Ac)counting the pennies DFW diary

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