'I will take control again/spending does not mean happiness/get real numpty' diary.
marmiterulesok
Posts: 7,812 Forumite
Well, my savings are almost gone.I've spend a hell of a lot of money recently on a variety of things.Now,i have to draw in the purse strings,budget like a mad woman and start saving again as much as possible.
Today I spent almost 20 francs on groceries.
Hopefully tomorrow will be an NSD.
That's the plan anyway.
I've sorted out my budget and got money for various things in envelopes ie grocery,pension,toiletries etc.Most importantly, I have removed my cards from my purse, which will make a massive difference.
When I pay my CC bill at the beginning of January, it might be the first time ever that I can't pay it all off in one go.
Oh the shame.
I MIGHT manage to pay it all off.We shall see.
Today I spent almost 20 francs on groceries.
Hopefully tomorrow will be an NSD.
That's the plan anyway.
I've sorted out my budget and got money for various things in envelopes ie grocery,pension,toiletries etc.Most importantly, I have removed my cards from my purse, which will make a massive difference.
When I pay my CC bill at the beginning of January, it might be the first time ever that I can't pay it all off in one go.
Oh the shame.
I MIGHT manage to pay it all off.We shall see.
0
Comments
-
Marmite :wave:
You are not a numpty
Good to see you & hope all well in your world.
Take care
I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
-
marmiterulesok wrote: »Ah thanks beanie!
Got to start somewhere....
I'm soso health wise,but it could be worse.
I feel old, well, you know, everything seems a struggle.
How are you?
We must be twins.
So so health wise.
Could be worse but oh so could be better.
Everything is just such a struggle & I am SO tired all the time.
Apart from that:rotfl::rotfl:I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
We must be twins.
So so health wise.
Could be worse but oh so could be better.
Everything is just such a struggle & I am SO tired all the time.
Apart from that:rotfl::rotfl:
Life sucks sometimes, but I know that I'm very lucky in many ways.My 'get up and go' is lacking, but I know that it's not a case of not trying.
I'm sorry that you can relate so much...
My legs are very tired and heavy and it could be a new tablet (I think it is) or it could be the MS.Hmmm.Argh!
I hope that today is a good day for you. :A:A:A0 -
Ok, no more grocery budget money left, but there's nothing I need.Today should be ok.In theory ha.1
-
When does your new grocery budget kick in?I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
-
Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 1
Number of children in household......... 0
Number of cars owned.................... 0
Monthly Income Details
Monthly income after tax................ 4332.25
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 4332.25
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 1600
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 40
Gas..................................... 0
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 0 (telephone,TV and internet access paid as a bundle)
Mobile phone............................ 60
TV Licence.............................. 39
Satellite/Cable TV...................... 149.55
Internet Services....................... 0
Groceries etc. ......................... 120
Clothing................................ 10
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 72
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 482.2
Pet insurance/vet bills................. 40
Buildings insurance..................... 0
Contents insurance...................... 30
Life assurance ......................... 100
Other insurance......................... 3
Presents (birthday, christmas etc)......
Haircuts................................ 27.5
Entertainment........................... 0
Holiday................................. 100
Emergency fund.......................... 100
Cat Food & Litter ...................... 70
Alarm System............................ 139.3
Emla cream.............................. 10
Toiletries.............................. 10
Household............................... 10
Shoe Repairs............................ 10
Renters' Assoc.......................... 5
Swimming Pool sub....................... 15
MS sub.................................. 5
Compression Tights...............10
Bank sub................................ 15
Dentist................................. 30
Federal Tax............................. 220
travel ins...............................11
CFF.......................................14
Pension................................. 150
Total monthly expenses.................. 3653.55
Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 15105
Total Assets............................ 0
No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly...APR
Total unsecured debts..........0.........0.........-
Monthly Budget Summary
Total monthly income.................... 4,332.25
Expenses (including HP & secured debts). 3,697.55
Available for debt repayments........... 634.79
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 634.70
Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -0
Net Assets.............................. 0
Created using the SOA calculator at https://www.stoozing.com.
Reproduced on Moneysavingexpert with permission, using other browser.
This is in francs,not pounds BTW.It's just to give me an overview.I haven't filled everything out.I don't atually have any debt, apart from my upcoming cc bill (payable beginning January),where i think I'll struggle to pay the whole thing.
Whole thing not fully completed yet.
Got three savings accounts (though two practically empty)0 -
I just want to start building up my savings again....0
-
Sunday was a bust.I spend money from this week's budget.Ok, not the end of the world.This month the budget runs from monday to Monday.
10f on sugar (was jam making),an ice lolly and a postcard.
Yesterday i went out with my bank card in order to pay for cat food at the vet's.Kitty has to eat special renal food.
I also managed to purchase a pair of shoes (unneeded #160f and various groceries # 72,6f).So in theory that's this week's grocery budget spent...I'll see if I can get by with 10f for the rest of the week.
Today not been out yet,spent nothing.Oh, need to nip out and get loo roll.0
This discussion has been closed.
Categories
- All Categories
- 343.2K Banking & Borrowing
- 250.1K Reduce Debt & Boost Income
- 449.7K Spending & Discounts
- 235.3K Work, Benefits & Business
- 608K Mortgages, Homes & Bills
- 173.1K Life & Family
- 247.9K Travel & Transport
- 1.5M Hobbies & Leisure
- 15.9K Discuss & Feedback
- 15.1K Coronavirus Support Boards