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Manage my money better

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naughtyminx78I want a financial goal...

...not sure this is quite specific enough so I may replace it in future.

I’m going to need to focus on this one as I will take a pay cut in two weeks :( 3 months ago


naughtyminx78November's budget...

...is looking a little tight.

Jimmers’ birthday is next weekend, putting on a Minecraft party at home shouldn’t break the bank but still need pressies, decorations, games, food etc.

Half term this week might have a few extra expenditures but these should be paid for by petrol savings as off work this week.

Still looking tighter than I’d prefer and next month means car tax and Christmas so without a doubt need to quit smoking!

This goal has just made me log in and check my bank statement and pay for breakfast and after school club fees for the month! 5 months ago


naughtyminx78Serious budgeting needed now...

...as although still no more debts added, little paid and still scraping through each month. I’ve got to plan for back to school shopping, birthdays, Christmas etc and I MUST start a new emergency fund ASAP! 8 months ago


Lolita4Just

worked out my budget. Eep. 11 months ago


naughtyminx78No borrowing since Christmas...

...but no saving either.

I need to save £2000 to make sure I can replace my car if it dies and to sort out my divorce and some other legal bits.

I should really be able to save about £250 a month but I’ve been spending too much on days out, eating out, socialising etc.

I need to work out my new budget taking into account all the changes since I’ve moved and make sure I stick to it. Quitting smoking and energy drinks is an absolute must as I’m spending around £140 a month on these things which I just can’t afford.

It’s owing to be a tricky month too as my car needs MOT and tax and I’ve also got K’s 18th birthday too! 11 months ago


naughtyminx78Fingers crossed....

...I can get through this house move without borrowing any money! Just waiting for a removals quote and then as long as I get my deposit bak from this house then I should be ok!

Really hoping to end this month with at least £100 in the bank, I’ve already paid £200 holding deposit on my new place too. 13 months ago


naughtyminx78So I got behind...

...in writing down all of my spending. Just doing this for a few weeks though has made a difference.

I didn’t quite end the month with £400 but I did have almost £300 left which is far better than the usual few quid I go down to. Unfortunately I then blew most of it last weekend on eating out and go-karting which I really shouldn’t have.

I’m definitely spending less since this payday. I’m really looking at prices before buying, I’ve cut out energy drinks and cut down hugely on alcohol. I’m also much better at filling my tank with petrol which stops extra spending each time I stop at the garage.

I’m just hoping I can somehow scrape together enough to move house and pray my car lasts a little longer! 13 months ago


naughtyminx78Spending 31.01.13 - 02.02.13

31.01.13

£21.70 – half of meal and drinks with TMTIL

01.02.13

£4.83 – cigarettes and energy drinks
£15 – groceries (approx – can’t find receipt!)

02.02.13

£7.09 – cigarettes, milk and a card
£54.32 – DVD player, phone case, socks and groceries
£55.50 – childcare

Remaining budget:

Misc: £5.95
Childcare: £108.30 (will add to grocery budget to cover extras)
Groceries: £234.10
Petrol: £230

Frugality: err…. Not so great! Really could have survived without cigs, energy drinks, wine or new phone case. DVD player is a luxury but got one in the sale for £35 – taking the children to the cinema would cost me that! 14 months ago


naughtyminx78Spending 28-31/01/13

28.01.13

£34.01 – petrol, energy drinks and chewing gum
£6.18 – groceries

29.01.13

£1.50 parking (can claim back)
£7.95 – coffees and cakes with TMTIL
£46.97 – petrol and groceries

30.01.13

£5.13 – cigarettes and energy drinks
£0.66 – sweets

31.01.13

£6.52 – cigarettes, energy drinks and bread

Remaining budget:

Misc: £5.95
Groceries: £228.74
Petrol: £230
Childcare: £163.80

Frugality: crap on the smoking and energy drink front though being forced to allocate these items to a budget has really made me conscious that I will have to buy less groceries to make way for my bad habits – ridiculous!

On a positive note I’ve been bringing all relevant meals to work and haven’t had to eat out or buy extras. I had a meal cooked for me Monday and last weekend TMTIL very sweetly bought me three new dresses as I was having a clothes crisis :) 14 months ago


naughtyminx78Spending 25-27 Jan

25.01.13

£40 – paid half of meal out with TMTIL and K.

26.01.13

£20 – paid half of lunch out with TMTIL
£7.50 – sweets (fancy ones I’ll add)
£6.80 – x2 train tickets back from Margate
£16.85 – groceries
£16.99 – fuel for fire and soup!

27.01.13

£10 – stationary
£8.25 – toiletries
£136.20 – nursery

Remaining budget:

Misc: £7.45
Groceries: £266.16
Petrol: £300
Childcare: £163.80 15 months ago


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