Tuesday, 8 May 2012

Another week, another update....

I've got a bit of an obsession with cat paint atm lol!
I think this has been the longest amount of time I haven't blogged for to date. The reason? hmmm... no real reason really, things seem to be ticking along fairly smoothly, no disasters to report etc. I did end up picking up another four hour, last minute bar shift on Tuesday evening, so come Wednesday eve I was feeling pretty sleepy.

Then on Thursday I went out after work for a colleagues leaving do in town; I made sure I stuck to the happy hour glasses of wine which were £2.70 with 50% off, topped up with soda to make them last longer, as well as to dilute them down. Because we had reserved a couple of tables the bar gave us a couple of platters of free finger food, bottles of champagne and about 20 shots. Luckily I was well positioned when the freebies arrived, so enjoyed a couple of glasses of Prosecco for free as everyone else seemed to turn their noses up at it, some food and three free shots (I'm pretty sure they were mini glasses of bitter lemon lol!) before heading home.

Friday lunchtime we went out for lunch to a new American restaurant called 'Meat Liquor' which is located behind Oxford Street. The food was delicious, and I could see why the burgers have been getting rave reviews all over the internet. The bill set me back £16 which meant  it took up the majority of my weekend budget, but I was paid for the Saturday bar shift so squeezed it in without going over budget. I also put all three meals on my credit card and the others are transferring me the money to get more use out of my credit card to try to push up my credit score. Friday evening I was so sleepy from my huge lunch and kind of late night the night before me and the BF just dozed on the sofa in front of the TV.

Saturday I had to buy my Dad a present for his birthday; I couldn't find anything and decided to give him the vouchers I won through work instead which can be used at Halfords, Homebase and HMV amongst others. My Dad's quite practical (think that's where I get it from) and was very pleased when he opened his card and found these nestled inside. Saturday night, after watching Britain's got talent I cycled to the pub for a few drinks, spent about a fiver sipping slowly lol, and this also included the price of my cab fare home too.

Sunday we decided to rearrange and sort out our room, all junk was thrown out, stuff we won't need has been put away in the loft and all our paper work has been filed neatly into labelled plastic wallets.

Then yesterday we visited my family and went out for dinner for my Dad's birthday. We went to the harvester, and managed to wrangle a free round of drinks for six- and four of them were re-fillable too! The bar man completely messed up the change he gave my dad, and ended up giving him all his money back in a different form. Mum & Dad covered the bill, so will probably have them up and cook something nice as a thanks in the next few weeks or so.

I've got £16 of disposable income to last the week, then I should get paid about £25.00 for my bar shift last week. I'm out for a few drinks Saturday, so this should easily cover this leaving me with about £40. I'm also expecting one of my Quidco payments of £13, so should be able to scrape through the next two weekends and make it to payday.

I think there's another happiness revolution due, but I'm a bit stumped for ideas as to what to include.... 

Sunday, 29 April 2012

Getting organised

This weekend was really good on the frugality front; I spend under a tenner on some drinks in a bar having a catch up with a friend on Friday night. Saturday I worked and had a huge free early dinner, myself and the BF was really tired, and combined with the terrible weather we declined the offer to go to the pub with our two housemates. We cosied up on the sofa together and watched Britain's Got Talent as well as catching up on some of our favourite TV shows we'd missed in the week. I kept dropping off to sleep, I have no idea why I was so tired.

Today has gone by quite quickly, I got up when the BF left for work and sorted our entire room out, sorted the washing for the week, hoovered the flat and washed the kitchen floor. After all that I obviously needed another nap lol, as I fell asleep again. This afternoon I decided it was time to get my finances in order, the savings tracker just wasn't cutting it as I've got too many different accounts, as well as the money owed to keep track of. I managed to download an excel sheet from the internet and noted everything down. At the top of the columns were titles including; ISA 1, ISA 2, 5% saver, joint saver, money owed for BF's credit card, pension with a total at the end. I've tried to screen grab my uber-organised excel sheet but it doesn't seem to want to let me.

The good news is that my previous calculations in regards to the total was correct, I've reached £10,039.02 in tota, excluding my pension and joint savings. However, this month £250 will be going into our joint account due to the way payday fell and will fall at the end of May. I can stretch £50 pretty far, so to be without it makes things fairly tight, especially I had £30 worth of extra bills to find the money for too.

I've also got a couple of nights out to pay for this week, as well as a team lunch (the venue was picked by my manager and friend from uni who hasn't a clue on how to save money). He's picked a fairly expensive place, and when I said my RSCP was a maybe he said he would pay.

When friends offer to pay for things it always makes me uncomfortable, I would rather go quietly without, whether its an expensive lunch or some shots at the pub- I always try to politely decline and enjoy what I have budgeted for, but a lot of the time they don't like taking no as an answer. Does anyone else experience this whilst trying to save?