Money Wise Talks 31/03/2022

I’ll start off with a reminder … Take meter readings for your gas and electric today!

Why you ask?

According to Sara from Debtcamel on Instagram, energy prices are due to go up tomorrow for 22 millions households in Britain by about 50%. But by taking a meter reading today, you can save yourself some money. Sara also recommends you to take a picture of the meter reading as proof.

This means that all of your energy up to now will be charged at the lower rate. Head over to her page Debtcamel for further information and loads more advice!

I was paid last week and I can confirm ALL the missing money came through! I’ve never picked up so much money in a single month ever and not going to lie, I did spend a good few days just looking at it lol! 🙂 I haven’t done the usual and sent it into sinking funds and savings just yet as I may need it for the *bleep*.

I so wanted to share my news with you all today but I’ve still not heard anything with the *bleep* yet, apparently it will be tomorrow now.

The savings challenge I had been doing to pay the MBNA card off has now been completed in full! Whoopie! One card paid off and two left to go. This tracker can be downloaded for free on my blog, under the ‘free printables‘ section.

I also paid off a whopping £801.61 from the debt this month which has now brought the debt outstanding figure to £16,426.77. It’s not where I want to be but at least it’s going down … for now. The *bleep* is going to change this, but it will be worth it I’m sure.

I feel like I’m scraping around for funds all over the place! My focus for April will be selling more clutter, listing items on Vinted and going through the loft. I have some big ticket items like a bike and a Barbie dream house which I will have to sell through FB Market place, but everything else is going on Vinted. You know how I feel about FB Marketplace, but it does have it’s place for those bigger ticket items. Check out an older post of mine which compares Vinted, FB Marketplace and Ebay.

I’ve also started the ‘save 1p a day’ challenge which I spoke about last week. I was going to make my own little tracker but then came across a fantastic one from SkintDad, which you can download for free from his blog. Here’s the link to his blog. Any change I get I will cross off on the tracker and will keep separately in a pot. Although this 1p challenge is meant to last a year, I’m just going to do it until it’s complete, whether it takes me less than a year or more, I don’t mind.

In April, I am also going to try and do a food shop for £10 a week. So this will be for me and my ten year old daughter and won’t include pet shop, toiletries and cleaning products. Not sure how hard it will be but I’ll post my day to day journey over on my instagram, The Money Wise Mum if you’d like to follow me.

What I have Spent This Week

£3.50 Car park

£17.66 Cinema snacks

£31.17 Cards and balloons

£69.38 Pizza hut

£30.35 Ninja warrior

£17.08 Morrisons

£5.50 Car parking

£56.66 Arcades

£2.20 Boots pharmacy

£81.37 Petrol

Total £314.87

Can you spot the missing item?

NO TAKEAWAYS!! Actually I still can’t believe this, but we haven’t had a takeaway since the 18 MARCH!! Which is a whole 13 days!

Now if you’ve been following me for a while, you will know I love takeaways and we usually have at least two a week. But the want has just disappeared recently and I think it’s because of the *bleep* and the serious need to save money like I’ve ever saved before in my life. Finally, something has become more important and has made me stop. Hope it continues.

Of course within my list you can see Pizzahut but that wasn’t a takeaway, it was a pre-planned meal for my daughter’s birthday, with her friend and my parents. I paid for it as it was my treat. In fact, most of the spending this week was on my daughters birthday, such as; cinema snacks, Ninja Warrior, Arcades (never again) and car parking for the cinema trip. We saw ‘Dog’ with Channing Tatum, swoon … I didn’t even mind sitting on my own, one row back and in the corner lol … thanks girls!

The other car parking was for the trip I took into the office for the first time. It so so strange to be in a room with other people. I couldn’t believe how easily distracted I was with people talking and although it was lovely to see everyone, I definitely prefer being at home.

The food shop this week was £17.08 and I just bought the only things I needed to allow me to do 3 full meals a day for the week along with some snacks.

Petrol was £81.37!! I was shocked when I looked at the pump. This was to fill the car up from empty. I’m so glad the weather is getting a little nicer so we can start walking to school and back and reduce the use of the car.

I also notice my national insurance had gone up this month by about 165 % … it just makes me wonder where we’ll all be this time next year. Worrying really. Have you notices this with your national insurance? Let me know in the comments below.

Anyway, I hope and pray I will be able to share my ‘Good’ news with you all next week.

Have a great week,

H

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