British
Web Shop - I shop here because I'm always sure of picking up a bargain.
And let's face it - living on £4000 for a full year means
I NEED BARGAINS
Shona
Prophett - My website, this one, has been set up by NYK
Media as part of their Scottish web project. If you would like to
set up your own website, have a quick look at DOMAIN
NAMES
The average house
-hold could save up to £325 off their energy bills if they changed
supplier. Click
here to find out how much you could save.
Uswitch
- Click
here to compare prices on UK telephone suppliers and save up
to £140 on your phone bill.
Tesco
is currently ranking #1 in my book for groceries & general household
bargains!
Shona Prophett writes
for pleasure, entertainment value and payment only. Nothing within her
writing should be taken as financial advice and she removes herself
from any responsibility whatsoever for anything. This is NOT financial
advice, it is simple reading material.
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October
2007 - Month Ten of the Cyberdosh Challenge
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Nothing
written within these pages should be construed as financial
advice. These entries are purely the writings of Shona Prophett,
in the form of a day to day diary.
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| Date |
Explanation |
Total |
|
|
-£3,075.81 |
| 1
Oct 07 |
Cash withdrawal |
-£30.00 |
| 5
Oct 07 |
Reimbursement |
£75.00 |
| 7
Oct 07 |
Current shares value |
£764.11 |
| 16
Oct 07 |
Transferred to share dealing account: It was a free
trading day on IMWebSharedDealing, I was bored, I got
to thinking about Tadpoles and before I knew it I had
parted with £150 of my paultry balance. I know,
I know, I know, I shouldn't be so rash with money but
hey! It's too late to worry now, it's gone. It's swimmng
somewhere in Cyberspace in exchange for more of my little
wriggly friends. Here's what I got for the money:
TADPOLE TECHNOLOGY ORD GBP0.01 Date 16/10/2007 Quantity
4635 Transaction Type Purchase Cost Per Share (p) 3.24
|
-£150.00
|
| 19
Oct 07 |
Reimbursement paid directly to
CC |
£150 |
| 24
Oct 07 |
Credit card bill
paid |
£58.87 |
| 24
Oct 07 |
Having switched electricity
payments from pre-paid meter to quarterly billing, bill
for July-October paid. This compares favourably with same
time last year when total monthly spend was topping £100 |
£182.60 |
| 26
Oct 07 |
Checked the shares,
a very slight increase plus I now have the new Tadpoles,
which have increased 53% in value since buying! |
£1008.47 |
| 28
Oct 07 |
I need to check the Christmas shopping list. As you
all know, I tend to pick up bargains throughout the
year. I have spent a bit this month but the costs won't
show until the credit card bill arrives next month,
as I waited to make sure I got the FULL MONTH 0% interest,
enabling me to leave my balance in the bank accruing
a few pence extra in interest. OH! And one major expense,
a luxury really, I have ordered a tumble dryer! I know,
I know, but it is almost impossible to keep up with
the washing and drying without one when the weather
has been so bad and there are no radiators over which
to hang the clothes. We'll soon find out what impact
the machine has on the electricity bill but I have decided
NOT to buy coal this year. Instead, I am making the
most of the Economy White Meter - I hope! And I'm hardly
spending a thing n my mobile phone - incoming only and
a few text messages means that the £10 is lasting
more than a month.
I also did a total balance check on all spending accrued
to date, made up of credit cards and cash. Those figures
matched up with what has already been included, as follow:
Total cash - £1,231.98
Credit Card 1 - £318.95
Credit Card 2 - £203.01
Credit Card 3 - £1,931.48
TOTAL SPEND JAN 2007 - OCT 2007 - £3,685.42
Less £420 share of Council Tax - £3,285.42
The figures will never be exact as we are calculating
in fluctuating shares values.
|
|
| 29
Oct 07 |
£727.27 left to
live off and budget for the Christmas celebrations. I
have exactly 9 weeks to go and presents to buy for 9 adults
and 5 children. Thankfully, I already have my cards and
the little extras, as I've been buying throughout the
year. So... how much does one budget for presents? It's
getting pretty tight now, as I have had to order a new
tumble dryer at a cost of £129! This will take my
combined credit cards bill up to £383.24 so far.
Hmm... I suspect that I may have to part with some of
my shares!
Unless... there's
always eBid! |
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|
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Total spend to date =
|
£3,272.28 |
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Less shares value =
|
£1,008.47 |
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Balance =
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£2,263.81 |
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Technically, I have only £727.72
cash remaining to last me until 31st December 2007 if
I do not want to cash in what remains of the shares. Christmas
present update coming soon... |
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Copyright
2007 Shona Prophett.
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