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  • FIRST POST
    • kimplus8
    • By kimplus8 2nd Jun 16, 9:38 AM
    • 614Posts
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    kimplus8
    Large single Parent Family getting Debt free
    • #1
    • 2nd Jun 16, 9:38 AM
    Large single Parent Family getting Debt free 2nd Jun 16 at 9:38 AM
    Hi all,
    I'm kim Mumma to 8 beautiful babies.
    I have around £20k of debt excluding my Student loan and I want it all gone, I don't want to owe a single penny.
    I'm posting a SOA today and I need to get a car as mine has died and I need it to get the kids to 3 different childcare settings/school, busses are hourly so I either need a car or I will have to pay for wraparound care for 3 of my kids at a different setting to the others (lack of school places in my area also but all on waiting lists).
    I have a new starter to high school this year so dreading the uniform costs.
    I am supposed to get child support from the EX's but going through the process of CMS at the moment.
    thanks for looking at my diary xx
    Last edited by kimplus8; 07-09-2016 at 10:25 PM. Reason: updating
Page 1
    • kimplus8
    • By kimplus8 3rd Jun 16, 7:24 AM
    • 614 Posts
    • 1,987 Thanks
    kimplus8
    • #2
    • 3rd Jun 16, 7:24 AM
    • #2
    • 3rd Jun 16, 7:24 AM
    Off to start my envelope system today, I have to take out of the ank exactly what we need to spend for the week and then hide my bank card. Rent etc is all paid on 1st of the month. :-) by standing orders/ direct debit and the rest is divided between my envelopes and used to pay for groceries, travel costs, my blow it fund, clothes/ shoes fund, school fund etc
    • kimplus8
    • By kimplus8 4th Jun 16, 5:17 PM
    • 614 Posts
    • 1,987 Thanks
    kimplus8
    • #3
    • 4th Jun 16, 5:17 PM
    • #3
    • 4th Jun 16, 5:17 PM
    meal plan for the week:
    Sat night- just me and three of the kids so Jacket pots cheese and beans.
    Sunday-Roast chicken, spuds, carrots and cabbage
    Sunday night- sarnies with one of the fillings we have in the cupboard
    Monday- Leftover roast chicken risotto with peas and pesto
    Monday night- sarnies
    Tuesday- sausage pasta bake
    Tuesday night- left over chicken stock soup and rolls
    Wednesday- Jacket pots with fillings we have in cupboard (prob tuna mayo)
    Wed night- leftover sausage pasta
    Thursday- Fish fingers, homemade wedges and beans
    Thursday night- Sarnies
    Friday- salad/breadrolls/cold meat from fridge
    Friday night- leftovers night (I have a mix of meals in the freezer, so who knows!)
    Saturday- Pasta with sauce and whatever meat I have in freezer (chicken or mince)
    Sat Night- sarnies, pop crisp and video night.

    still spent £30 on milk bread and loo roll etc for the week but otherwise a no spend.
    • kimplus8
    • By kimplus8 5th Jun 16, 10:12 AM
    • 614 Posts
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    kimplus8
    • #4
    • 5th Jun 16, 10:12 AM
    • #4
    • 5th Jun 16, 10:12 AM
    Woke up feeling awful, another thread of mine got quite heated last night and while Iwould love to say it doesn't hurt, its really upset me. I love my kids so much I will overcome this for them.
    I feel so blessed, they are smart and intelligent and have really kind hearts.
    We don't have a lot of money and now I'm on mat leave its only going to get harder but we will get there.
    I'm going to crush this debt, have some proper savings and move forward with my head held high, screw all the haters, they are gonna have a negative view of me no matter what I do, but that just makes me all the more determined to crack on and be successful.
    • Spendless
    • By Spendless 5th Jun 16, 5:44 PM
    • 19,628 Posts
    • 31,708 Thanks
    Spendless
    • #5
    • 5th Jun 16, 5:44 PM
    • #5
    • 5th Jun 16, 5:44 PM
    You know what, I saw it and this one. I was going to comment on your other thread, but in light of your last post instead I'll put my suggestion/s on here. Well done on your meal plan. I was going to suggest you reduce your (understandably) large grocery bill. Have a look on the old style board, for cutting costs on meals. I can immediately think of one long term member who is often on there who has a large family. What did you decide re kids lunches? I have only 2 children but I find the cost a lot when added up. If you do go down the packed lunch route, have the kids help out with baked treats for the week. Looking forward to reading your journey.
    • crazy_cat_lady
    • By crazy_cat_lady 6th Jun 16, 7:41 AM
    • 3,368 Posts
    • 28,909 Thanks
    crazy_cat_lady
    • #6
    • 6th Jun 16, 7:41 AM
    • #6
    • 6th Jun 16, 7:41 AM
    Hi Kim

    I'm here and subscribing because I want to know how you get on, and because I'm hopeful that all will work itself out for you. I think you sound like an amazing woman.
    NSTSeptember #32 NSD 8/18 RYSAW17 #1 £1313.42 20p Savers #88 £1 a day for Xmas # DFD 6 Nov 15 - paid £28,447
    • mumtoomany
    • By mumtoomany 6th Jun 16, 8:29 AM
    • 144 Posts
    • 1,212 Thanks
    mumtoomany
    • #7
    • 6th Jun 16, 8:29 AM
    • #7
    • 6th Jun 16, 8:29 AM
    Hi Kim, trying to post this for the third time! Stupid tablet! At one time
    I was responsible for 12 children, 10 of whom took packed lunches every day. So a few ideas for you.

    Sandwiches can be batch made and frozen, as long as there is no salad in them.

    Small cakes, biscuits, flapjacks etc. Cheap and you could involve the older children in making them.

    Aldi, and possibly Lidl too, sell multiple of crisps and snacks that work out at less than 10 p a pack.

    Cold cooked pasta, cooked vegetables or salad, eg cold peas, corn, chopped tomatoes, all mixed with a squirt of ketchup.

    Homemade pizza, or little pies pasties.

    Don't buy drinks, use a flask or old drink bottle with squash or water.

    Popcorn, homemade with either homemade toffee or sprinkled with icing sugar while stile warm.

    Fruit is often cheaper from a market or greengrocers. Buy in season. Or put vegetables instead, eg carrot sticks, cucumber, peppers.

    Individual jellies made in little pots, if you can find resealable pots. Or tinned fruit, custard, rice pudding.

    You may already know all the above. Don't mean to be patronising.

    You sound like a lovely person, and I'm sure you can do this. Love, M2m.
    Living on £8000 in 2016, (hopefully!!)
    Car expenses and deisel:£102.81/£1000. DD4:£212.22/£2000. Everything else!:£258.81/£1000.Utilities and household bills: £273.35/£2000.Food and groceries:£618.08/£3440. (£1440 from DD1 and DSiL1)
    • kimplus8
    • By kimplus8 6th Jun 16, 10:11 AM
    • 614 Posts
    • 1,987 Thanks
    kimplus8
    • #8
    • 6th Jun 16, 10:11 AM
    • #8
    • 6th Jun 16, 10:11 AM
    You know what, I saw it and this one. I was going to comment on your other thread, but in light of your last post instead I'll put my suggestion/s on here. Well done on your meal plan. I was going to suggest you reduce your (understandably) large grocery bill. Have a look on the old style board, for cutting costs on meals. I can immediately think of one long term member who is often on there who has a large family. What did you decide re kids lunches? I have only 2 children but I find the cost a lot when added up. If you do go down the packed lunch route, have the kids help out with baked treats for the week. Looking forward to reading your journey.
    Originally posted by Spendless
    I'm actually in credit at school with their lunches so this week is their last week of school dinners and then they will be on packed lunches. At £40 a week its just not a cost I can justify, especially when somedays they have a sarnie or wrap for lunch, I can do it wayyyyy cheaper than school and probably healthier too.
    From Monday they are all having packed lunches, I'm going to £1 land tomorrow to get some lunch boxes and maybe for Christmas etc if they want a more fancy lunchbox (starwars or MLP etc) they can put that on their list for santa.
    I think with proper meal planning I can cut down sooooo much on my shopping costs, once I have the car I will go to Aldi again, sadly as I don't have it at the moment Ive been stuck with sainsburys and TBH its really expensive.
    I cant wait to start planning some new and exciting mealsfor us. My greandma used to make everything from scratch and I loved helping her as a child, last night my eldest peeled all the spuds and carrots, my middle girl did the washing up, my boys folded the laundry and we were all in the kitchen/diner together just chatting and laughing, it was really lovely and the internet didn't go on all day!!!. Long may it continue.
    • kimplus8
    • By kimplus8 6th Jun 16, 10:18 AM
    • 614 Posts
    • 1,987 Thanks
    kimplus8
    • #9
    • 6th Jun 16, 10:18 AM
    • #9
    • 6th Jun 16, 10:18 AM
    Hi Kim, trying to post this for the third time! Stupid tablet! At one time
    I was responsible for 12 children, 10 of whom took packed lunches every day. So a few ideas for you.

    Sandwiches can be batch made and frozen, as long as there is no salad in them.

    Small cakes, biscuits, flapjacks etc. Cheap and you could involve the older children in making them.

    Aldi, and possibly Lidl too, sell multiple of crisps and snacks that work out at less than 10 p a pack.

    Cold cooked pasta, cooked vegetables or salad, eg cold peas, corn, chopped tomatoes, all mixed with a squirt of ketchup.

    Homemade pizza, or little pies pasties.

    Don't buy drinks, use a flask or old drink bottle with squash or water.

    Popcorn, homemade with either homemade toffee or sprinkled with icing sugar while stile warm.

    Fruit is often cheaper from a market or greengrocers. Buy in season. Or put vegetables instead, eg carrot sticks, cucumber, peppers.

    Individual jellies made in little pots, if you can find resealable pots. Or tinned fruit, custard, rice pudding.

    You may already know all the above. Don't mean to be patronising.

    You sound like a lovely person, and I'm sure you can do this. Love, M2m.
    Originally posted by mumtoomany
    the freezing sandwiches idea is genius!!!! I freeze loaves of bread anyways so I'm guessing if I go to the oops isle I can get enough stuff for the week super cheap and just make it all up and freeze. quite often in the local market they do free delivery if you spend over £30 on fruit and veg, I can easily do this for all 8 of us so that would save me having to lug it all home.
    I have been buying individual jelly pots etc but I think I'm going to just make up huge batches in reusable pot and do that, buy a block of cheese and give them cheese cubes instead of cheesestrings/dippers, chop cucumber, carrots and peppers with hummos or other dips and the pasta!
    My kids love pasta, I can easily cook huge batches of pasta and they can take that, in-fact I have some vouchers for Debenhams from my birthday and \I have seen some thermos things for hot soup and pasta, I could grab a few of those if they want hot pasta/soup in the winter term.
    Its it mental that I'm actually quite excited about all this. LOL
    • kimplus8
    • By kimplus8 6th Jun 16, 11:23 AM
    • 614 Posts
    • 1,987 Thanks
    kimplus8
    I've also gotten 3 meals out of one chicken this week which I have never managed before. I usually get 2 chickens for £4 each from sainsburys/Tesco and that does us for one roast with the amount they shrink and because i've never really thought to make more of it.
    This weekend I bought a huge free range chicken from the local food market, It was massive and didn't shrink upon cooking at all, I slow cooker-ed it, had a roast for sunday, stripped it bare for toinights risotto and then threw it back all carcassed into the slow cooker all night with water and some wilted veggies and made some lovely brothy soup for tomorrows lunch.
    • MoneyMission2015
    • By MoneyMission2015 6th Jun 16, 3:00 PM
    • 620 Posts
    • 3,072 Thanks
    MoneyMission2015
    Hi Kim


    I just read your other thread and was going to comment on there but noticed that you mentioned a diary, so rather than bringing up that nasty thread again I decided to come on here instead.


    I just wanted to say good luck to you. You seem like a lovely person who is really trying her best to give her children the best she can. Who cares if you have 2 kids, 8 kids or 20 kids, you're trying and setting them a good example.


    You sound like you're getting some inspiration from here with your food planning and packed lunches, so keep going with that and make sure you keep coming on here to get more ideas.


    Have you tried the old style board yet? They have loads of frugal tips on there.


    Also you mentioned you can't get to aldi because you have no car. Do you have an @sda that will deliver to you? I always find @sda much cheaper and they always have some really good offers. It might be an alternative to using s**insburys while you haven't got a car.
    • kimplus8
    • By kimplus8 6th Jun 16, 4:50 PM
    • 614 Posts
    • 1,987 Thanks
    kimplus8
    Hi Kim


    I just read your other thread and was going to comment on there but noticed that you mentioned a diary, so rather than bringing up that nasty thread again I decided to come on here instead.


    I just wanted to say good luck to you. You seem like a lovely person who is really trying her best to give her children the best she can. Who cares if you have 2 kids, 8 kids or 20 kids, you're trying and setting them a good example.


    You sound like you're getting some inspiration from here with your food planning and packed lunches, so keep going with that and make sure you keep coming on here to get more ideas.


    Have you tried the old style board yet? They have loads of frugal tips on there.


    Also you mentioned you can't get to aldi because you have no car. Do you have an @sda that will deliver to you? I always find @sda much cheaper and they always have some really good offers. It might be an alternative to using s**insburys while you haven't got a car.
    Originally posted by MoneyMission2015
    There is an asda, an not too far away too, I didn't even realise that they delivered. I will give them a look see this week for my food shop and I have heard that they can be cheaper than aldi/Lidl.
    • mumtoomany
    • By mumtoomany 6th Jun 16, 5:43 PM
    • 144 Posts
    • 1,212 Thanks
    mumtoomany
    Asda seem to deliver everywhere, they drive for nearly an hour to mine. And for only £1 if I choose the right slot.
    They do price comparison too, so I always get at least £1 of the next shop.M2m.
    Living on £8000 in 2016, (hopefully!!)
    Car expenses and deisel:£102.81/£1000. DD4:£212.22/£2000. Everything else!:£258.81/£1000.Utilities and household bills: £273.35/£2000.Food and groceries:£618.08/£3440. (£1440 from DD1 and DSiL1)
    • MoneyMission2015
    • By MoneyMission2015 7th Jun 16, 9:11 AM
    • 620 Posts
    • 3,072 Thanks
    MoneyMission2015
    Asda's own brand stuff is pretty good too. My OH and kids were really fussy about having Heinz or Branston baked beans, but I bought Asda's own beans and didn't tell them, made them jacket potato with beans and cheese one day and they didn't even notice. It was a few weeks before my OH realised and that was only because he saw the tin in the recycling


    So I do a swap with a lot of my shopping now. Sometimes I'll buy the branded stuff if it's on offer, but only if it works out around the same price.


    Definitely start baking. I love baking cakes anyway but don't do it enough, but it works out so much cheaper than constantly buying prepacked cakes etc from the store and means you can whip up a batch of cakes on the weekend ready for packed lunches for the week. My mum used to have a baking day once or twice a month. She would bake fairy cakes, rock cakes, biscuits and she'd also bake some family size cakes, usually a coffee cake for the adults and Victoria sponge for us kids. We used to love coming home from school on baking day seeing all the treats stored away in the pantry. Maybe you could make it a monthly activity with the kids and get them to choose 1 new recipe a month that you could try. I'm sure they would love that.


    One other thing that our mum used to do was when she would do the big shop at the beginning of the month, we went with them and were allowed to pick any packet of biscuits each that was just for us (there were 3 of us, I'd usually have maryland cookies). Once that pack of biscuits were gone that was it for the rest of the month, unless we just had a digestive or rich tea. She also did the same with an own brand bottle of pop each when we got older and the same rule applied, it was ours and once it was gone that was it, we had squash, water or milk for the rest of the month.
    • Spendless
    • By Spendless 7th Jun 16, 9:42 AM
    • 19,628 Posts
    • 31,708 Thanks
    Spendless
    Good to see you being so upbeat Kim.

    Jelly can turn to liquid in packed lunches if the day is warm - ask me how I know so if you put in a packet of frozen sandwiches, they will act as a coolpack and prevent this. The sarnies will be defrosted by lunchtime.

    Check with school if they are allowed hot items to take in. Some schools can be funny. Recently my eldest was told he couldn't fetch a flask of coffee in from home 'in case he scalded himself'. He's 16!! He asked what if he scalded himself on the drinks he can buy from the school vending machine. So glad he leaves next week, him and school aren't a match made in Heaven.

    Going to nick the tip above about children having their own allocation of items for my two, sick of telling them the clue is in the name 'weekly grocery shopping' as to how long things should last.
    • kimplus8
    • By kimplus8 10th Jun 16, 2:01 PM
    • 614 Posts
    • 1,987 Thanks
    kimplus8
    Hi Yall,
    So I have had a really busy few days, wrapping up looses ends for work before Mat Leave and sorting out my SOA.
    So far I have
    1. Finally made an application to the CMS for the kids, after a rough few days with the ex Husbeast I decided I have had enough of getting shat on and just paid the £20 and applied. Should hear back in a few weeks.
    2. Made a list of what foods/ingredients I have in the cupboard and meal planned around that and then ordered a shop online that came in just over £50 for the whole week- whooooooop!!
    3. Sent off my credit file to the money advice service and okay-ed my application for a DRO.
    4. Planned my daughters birthday party (to be held for free in our garden).
    5. Planned the appeal for my daughters 11+ place to grammar school in Sept.
    6. Had confirmation from LEA that my primary age children are all 1st on the waiting list for our closest school so will have priority should spaces arrive in September.
    7. Sobbed and cried and spat my dummy out several times but come to the realisation that this next year is going to financially tough but worth it in the end to be able to do the best for us as a family and move forward.
    8. Looked at free online courses to tighten my CV up and look at a better job once my mat leave is over
    9. We are going to a free party for Queens 90th this weekend so myself and the kids have made old white t shits look aaamazeballllssss and have made gorgeous ribbon hairbands. I cant wait to take the kids, its going to be a lovely day and we are taking a gorgeous packed lunch and hopefully ill have some pennies so the kids can have an icecream and watch the jazz band in the sunshine.
    hope everyone is well.
    love kim and the clan.
    Single Momma, Member of £1000 Emergency fund Club Check out my Debt Free Diary
    • Joy Burke
    • By Joy Burke 10th Jun 16, 2:50 PM
    • 48 Posts
    • 35 Thanks
    Joy Burke
    You really amaze me with your strength and love for your children. I only have 2 and I can't imagine myself being able to provide for another 6. Good job so far. Subscribing to your thread and just continue to keep the faith!
    • sugar23
    • By sugar23 10th Jun 16, 7:51 PM
    • 91 Posts
    • 277 Thanks
    sugar23
    Good luck hun. I'm following. Looking forward to updates. You sound like an amazing women and mother . X
    Debt free before Xmas 17 #69
    Cc 3500 / 200
    Cat 1040 / 40
    Car 2592 / 217
    Total 7132 / 457 + taxcredits 81.14p/ 30
    • kimplus8
    • By kimplus8 10th Jun 16, 7:55 PM
    • 614 Posts
    • 1,987 Thanks
    kimplus8
    I have just finished my first attempt at clippering the boys heads, the practice run on the uncomplaining 4 year old looks a bit of a state but is so quick to grow ill be able to shave the patches out again by the summer and DS 8 wanted to be bald so today I did a grade 0. he actually looks pretty cool and says he loves his new 'footy' haircut. so win win all round for me there.
    I'm completely shattered so lying in bed with my babies as I type and getting prepared for our busy weekend.
    The kids dad will not be having contact for a while so that gives me a bit of breathing space at least and allows me to get organised before the summer holidays.
    I'm seeking out free stuff tonight in the primary times and local news online, there are so many playdays in the park and free outings etc, Iam going to get the kids a nation trust membership for crimbo this year so we can visit all those for free :-)))))
    Last edited by kimplus8; 10-06-2016 at 7:55 PM. Reason: sausage fingers
    Single Momma, Member of £1000 Emergency fund Club Check out my Debt Free Diary
    • cte1111
    • By cte1111 10th Jun 16, 8:02 PM
    • 7,172 Posts
    • 376,142 Thanks
    cte1111
    Are you not entitled to free school meals? On your income, I would have thought that you would not have to pay for school meals.
    https://www.myfreeschoolmeals.com/eligibility
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