We are about to pull the purse strings soooo tight!

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  • Alice_in_Poorland
    Alice_in_Poorland Posts: 2,431 Forumite
    First Anniversary Name Dropper First Post
    grannyx2 wrote: »
    As for someone I know in rl being on here and recognising me, oh perish the thought. :o

    Granny x

    Totally agree Granny.:o xx
    brizzledfw wrote: »
    Alice..sorry it's hard at the mo. You do so well and you're certainly not fake. Just trying to protect family from the harsh truth. Many more than you think either have or have had money troubles..honestly it's so much prevalent than you think.

    You're doing so well. Please please don't beat yourself up

    Have a mince pie and a glass of wine from me!:beer:

    Thanks brizzle, could definitely do with the wine tonight. Have just been to the school christmas fair!!

    Spent about £10 :eek: but did win a tin of button mushrooms on the tombola...;):rotfl:

    Yesterday had to get petrol, cash (to pay the usual) and called into sburys spent £23.

    We have OHs christmas 'do' tomorrow night, I don't mind this one as it raises money for a local charity....although still got to find something to wear.:( We have £25 to take.

    Also have noticed 'the other car' has development a leak, not sure if its oil. OH will check tomorrow and fingers crossed nothing serious.

    xx

    P.S. Pegged the washing out today.:)
    DMP with CCCS started Jan12 £34,906 Jan13 £31,893 Jan14 £26,836 Jan15 £21,894 Jan16 £16,839 Jan17 £14,415 Jan19 £12,938ish Jan19 £9,649 Jan20 £6612 Feb 21 0 Self managed from Jan'17
    Jan 18- Bcard1 £0,Bcard2(PRA) £0,C@ptl £0,Ybank,£0,Virgin/MBNA £0,YB1 £0,S@ntader £0,Bcard loan £0,
    DFD - [STRIKE]Jan 2027[/STRIKE] [STRIKE]Nov 2018 [/STRIKE][STRIKE]Jan 2019[/STRIKE] - DFD 28 Feb 2021
  • Alice_in_Poorland
    Alice_in_Poorland Posts: 2,431 Forumite
    First Anniversary Name Dropper First Post
    We had a great night last night, the company was lovely, venue was reasonably priced......and they/we raised lots of money for a local charity.:)

    We did have to pay for a babysitter last night plus we went to sburys and got some snacks as a treat so it was a bit of a costly night out, but still worth it.

    Yesterday I managed to get 2 loads pegged out so I will get the ironing done today, need a meal plan for this week too. OH needs to look at 'the other car'....when he gets up!! ;) We're having a chicken dinner and then just chill out.

    I've done the meter readings this morning, we are £63 in credit.

    Hope everybody has a great day. xx
    DMP with CCCS started Jan12 £34,906 Jan13 £31,893 Jan14 £26,836 Jan15 £21,894 Jan16 £16,839 Jan17 £14,415 Jan19 £12,938ish Jan19 £9,649 Jan20 £6612 Feb 21 0 Self managed from Jan'17
    Jan 18- Bcard1 £0,Bcard2(PRA) £0,C@ptl £0,Ybank,£0,Virgin/MBNA £0,YB1 £0,S@ntader £0,Bcard loan £0,
    DFD - [STRIKE]Jan 2027[/STRIKE] [STRIKE]Nov 2018 [/STRIKE][STRIKE]Jan 2019[/STRIKE] - DFD 28 Feb 2021
  • Alice_in_Poorland
    Alice_in_Poorland Posts: 2,431 Forumite
    First Anniversary Name Dropper First Post
    Forgot, OH had a letter from Ybank to advise they are defaulting the account......at last!! Strange letter saying they had only received payments in May 12 and June 12, also giving the balance at £7329:eek::o:(

    xx
    DMP with CCCS started Jan12 £34,906 Jan13 £31,893 Jan14 £26,836 Jan15 £21,894 Jan16 £16,839 Jan17 £14,415 Jan19 £12,938ish Jan19 £9,649 Jan20 £6612 Feb 21 0 Self managed from Jan'17
    Jan 18- Bcard1 £0,Bcard2(PRA) £0,C@ptl £0,Ybank,£0,Virgin/MBNA £0,YB1 £0,S@ntader £0,Bcard loan £0,
    DFD - [STRIKE]Jan 2027[/STRIKE] [STRIKE]Nov 2018 [/STRIKE][STRIKE]Jan 2019[/STRIKE] - DFD 28 Feb 2021
  • Eager_Elephant
    Eager_Elephant Posts: 4,714 Forumite
    Combo Breaker First Post First Anniversary
    Alice_in_Poorland wrote: »
    We had a great night last night, the company was lovely, venue was reasonably priced......and they/we raised lots of money for a local charity.:)

    We did have to pay for a babysitter last night plus we went to sburys and got some snacks as a treat so it was a bit of a costly night out, but still worth it.

    Yesterday I managed to get 2 loads pegged out so I will get the ironing done today, need a meal plan for this week too. OH needs to look at 'the other car'....when he gets up!! ;) We're having a chicken dinner and then just chill out.

    I've done the meter readings this morning, we are £63 in credit.

    Hope everybody has a great day. xx

    Glad you had a nice night out - sometimes it is worth spending to have a good time.

    You always make me :rotfl: when you post about your washing but I have to say how much you have encouraged me to keep hanging mine out.
    At the moment I am pegging out and then every 3 hours bringing a load in to air and then pegging another lot out and the cycle continues.

    I tried it in the week when I work but DH forgets and then by the time I get in it is too damp to air.

    Yesterday and today have been windy so the washing is drying quite quickly.
  • Eager_Elephant
    Eager_Elephant Posts: 4,714 Forumite
    Combo Breaker First Post First Anniversary
    Alice_in_Poorland wrote: »
    Forgot, OH had a letter from Ybank to advise they are defaulting the account......at last!! Strange letter saying they had only received payments in May 12 and June 12, also giving the balance at £7329:eek::o:(

    xx

    Do you know what the starting balance was?

    Seems a bit odd that they don't have your payments but this might just be a glitch because if they had not had payments for 18mths you would have had a default a lot earlier.
  • mummytogirls
    mummytogirls Posts: 6,578 Forumite
    First Anniversary Combo Breaker First Post
    Glad you had a lovely night out Alice, you definitely deserve it! Sounds like my kind of Sunday, enjoy xx
    Mummytogirls x

  • Alice_in_Poorland
    Alice_in_Poorland Posts: 2,431 Forumite
    First Anniversary Name Dropper First Post
    Eager_Elephant wrote: »

    You always make me :rotfl: when you post about your washing but I have to say how much you have encouraged me to keep hanging mine out.
    At the moment I am pegging out and then every 3 hours bringing a load in to air and then pegging another lot out and the cycle continues.

    I tried it in the week when I work but DH forgets and then by the time I get in it is too damp to air.

    Yesterday and today have been windy so the washing is drying quite quickly.

    :rotfl: I am a bit obsessed with it all to honest. ;) shame you can't get it aired outside in the week too.
    Eager_Elephant wrote: »
    Do you know what the starting balance was?

    Seems a bit odd that they don't have your payments but this might just be a glitch because if they had not had payments for 18mths you would have had a default a lot earlier.[/QUOTE)

    Thinking about I think this was the balance before ybank passed it to cabOt. OH is going to check it. (must remind him though!)
    mummytogirls wrote: »
    Glad you had a lovely night out Alice, you definitely deserve it! Sounds like my kind of Sunday, enjoy xx

    Thanks mummy xx
    DMP with CCCS started Jan12 £34,906 Jan13 £31,893 Jan14 £26,836 Jan15 £21,894 Jan16 £16,839 Jan17 £14,415 Jan19 £12,938ish Jan19 £9,649 Jan20 £6612 Feb 21 0 Self managed from Jan'17
    Jan 18- Bcard1 £0,Bcard2(PRA) £0,C@ptl £0,Ybank,£0,Virgin/MBNA £0,YB1 £0,S@ntader £0,Bcard loan £0,
    DFD - [STRIKE]Jan 2027[/STRIKE] [STRIKE]Nov 2018 [/STRIKE][STRIKE]Jan 2019[/STRIKE] - DFD 28 Feb 2021
  • Alice_in_Poorland
    Alice_in_Poorland Posts: 2,431 Forumite
    First Anniversary Name Dropper First Post
    We had another letter today about the tax credit overpayment. Apparently the overpayment was from us earning more money than we had advised at the beginning of the tax year 2012. Nothing to do with DS1 at college. Not quite sure how this happened but....... Have arranged to pay the £207 over 5 months starting 1st January.:(

    One step forwards......two back.

    xx
    DMP with CCCS started Jan12 £34,906 Jan13 £31,893 Jan14 £26,836 Jan15 £21,894 Jan16 £16,839 Jan17 £14,415 Jan19 £12,938ish Jan19 £9,649 Jan20 £6612 Feb 21 0 Self managed from Jan'17
    Jan 18- Bcard1 £0,Bcard2(PRA) £0,C@ptl £0,Ybank,£0,Virgin/MBNA £0,YB1 £0,S@ntader £0,Bcard loan £0,
    DFD - [STRIKE]Jan 2027[/STRIKE] [STRIKE]Nov 2018 [/STRIKE][STRIKE]Jan 2019[/STRIKE] - DFD 28 Feb 2021
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Hi Alice! hope alls OK?

    You will get through this, promise :)
    MFiT-T4 Member No. 96 - 2022 is my MF goal :D
    Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
    Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T
  • Alice_in_Poorland
    Alice_in_Poorland Posts: 2,431 Forumite
    First Anniversary Name Dropper First Post
    brizzledfw wrote: »
    Hi Alice! hope alls OK?

    You will get through this, promise :)

    Thanks brizzle.......I blooming hope so! :o:)

    Can't believe its been nearly a week since I posted...that's not like me!! It's been a really hectic week, kids parties and carol services etc etc, the meal plan went out the window and the budget. An extra £5 here and there too and to top it all I've got a horrible cold.:(

    At times I've felt really stressed, feeling all over whelmed by it all, thinking that although we've got some lovely presents to give (at very reasonable prices) people won't appreciate them and just think we are tight. Then on the other hand took DS3 to a party and had such a good laugh with some of the parents came away feeling on top of the world..........what an emotional rollercoaster.

    I'm going to have a chill out day today (yes another one :rotfl:) and hopefully this cold is coming to an end. Will do the usual bit of ironing (pegged out yesterday :D) and I'm going to sort through the paperwork that has been building up.

    I also need to update spending diary. eek! This week is a bit quieter, thankfully.

    Need to just check my present list, still got a few to get....perhaps I'll get some bargains.

    xx
    DMP with CCCS started Jan12 £34,906 Jan13 £31,893 Jan14 £26,836 Jan15 £21,894 Jan16 £16,839 Jan17 £14,415 Jan19 £12,938ish Jan19 £9,649 Jan20 £6612 Feb 21 0 Self managed from Jan'17
    Jan 18- Bcard1 £0,Bcard2(PRA) £0,C@ptl £0,Ybank,£0,Virgin/MBNA £0,YB1 £0,S@ntader £0,Bcard loan £0,
    DFD - [STRIKE]Jan 2027[/STRIKE] [STRIKE]Nov 2018 [/STRIKE][STRIKE]Jan 2019[/STRIKE] - DFD 28 Feb 2021
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