Tuesday, 31 May 2011
Monday, 30 May 2011
Our basic bills come to just over a grand. Thats mortgage, council tax, insurances, phones, gas, electric, water etc. So on pay day that amount can stay in and whats left gets transfered over to another account and THAT ONE is for petrol, food, spending, presents, school trips, clubs etc... basically EVERYTHING and ALL cheques need to come out of there. Most importantly when I check that balance I know that is all we have AND that there are no bills due to come out of that - so it should make for better budgetting. So here goes!
I have transferred over the leftovers for this month and am a little wary that we have £317 to live off for the month...and car tax is due in 3 days so thats 1/3 gone already! Looks a little frightening to be honest - but then I know that that amount is always what we have - its just normally hidden at this stage of the month amongst lots of other pennies that are promised to some company! So since its also 4 family birthdays this month too we'll be pushing the weekly shop amount to the very extremes and I'm not going till the cupboards are actually empty!!
Sunday, 22 May 2011
Saturday, 21 May 2011
So the challenge is on to hopefully have this space in September! We need to find other funding to pay for the changes we'll have in rent - which will go up by about £75 a month from what we have now as well as this grant - if we get it - (please Jesus) so its a challenge but its quite nice to have a different financial mountain to climb as well as my own - a change is as good as a rest isnt it?!
Thursday, 19 May 2011
So anyway, before I started I also just gave myself a little spending fix by splurging £50 on the credit card- not spending from my credit card...but paying it off. I don't know whether we can afford it - but that made it feel a bit more exciting. I like barclaycard... they give you a colourful target board thing - a bit like a blue peter fundraiser thing - so that you can see how much further you have to go. I DO have quite a way...but I'm looking forward to seeing whether I can go on it again when I've ticked off all my bills and have £150 left to spend!
Tuesday, 17 May 2011
Monday, 16 May 2011
Friday, 13 May 2011
So, working out how much things cost is a bit more laborious than I first expected... but counting cherry tomatoes and division sums with my receipts in hand is the way forward I guess!
Yesterday I made a load of mushroom soup and a big vat of bean chilli... and then I got calculating and got all the tupperwear out and portioned it and stashed a load of it in the freezer. I now have a 1 day plan that comes to a grand total of £3.58 for 4 people.
Breakfast: Wheetabix (Sainsburys 48 pack is 6p a wheetabix) x2 each + milk (10p ish each??)
88p for 4
Lunch: Mushroom soup (600g value mushrooms £1.70, 3 value onions (30p) 2 cloves garlic 10p-ish, water (free), spoon of boulion (10p), butter, bit of milk)
2 slices bread
86p per meal for 4
Dinner: Basmati rice (4kg bag from Tesco £6.35 and 3 cups per family meal EQUALS 88p per meal... oooh thats quite a lot more than pasta did you know!
Bean chilli (olive oil, 2 onions, 2 cloves garlic, 1 red chilli 25p, 8 tins plum tomatoes £3.92, 1 jar pasata 98p, 1 spoon boulion, mixed herbs, - blend it with mixer – 2 cartons kidney beans, 2 cartons canalini beans, 2 cartons chick peas £3 for 6 cartons) Makes enough for 10 whole meals – thats 40 servings!
£1.84 per meal for 4
Grand total of £3.58
So... theres no snack allocation here...or puddings... or drinks. I will certainly need a tea bag allowance and to add in the price of a few apples and biscuits but generally we all drink water. We fill up a bottle in the morning (2l each for Joel and I and 1.5 for the children) and each try to get through that each day.
£3.58 would come to £25.06 in a week if we had that every single day...which is on target...but of course is far too much mushroom soup and bean chilli in your life... but the good news is that pasta is cheaper and interestingly organic porridge is actually cheaper than wheetabix – so there are still savings to be had on the meal plan journey!
Credit card journey has also moved forward. £-8201.93 – thats a nice chunk of my wages and expenses I've comitted to paying across! – and I'm trying to work out how much more we can free up from the rest of this month.