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  • FIRST POST
    • debtaghh
    • By debtaghh 27th Jul 16, 10:00 AM
    • 774Posts
    • 2,252Thanks
    debtaghh
    I want to stop drowning
    • #1
    • 27th Jul 16, 10:00 AM
    I want to stop drowning 27th Jul 16 at 10:00 AM
    Hi,

    I am not sure where to start or what I want from this but here goes ...

    We are in major debt and things seem to be getting worse, I have been looking at this site for years and know there is no point me posting my soa as we literally can't cut back any more e.g

    food shop for fam of 5 £240- if you can help me reduce this then that would be great. I shop at Aldi, Lidl etc and have most shops locally.
    We just got rid of sky and have reduced mobiles, gas etc.

    We can't do an iva or dmp etc as we are in rented accomadation and I know estate agents can use guarantors etc but we don't have one plus they are not that keen as I have mentioned it before to them. Where we live , it's really hard to rent as there are limited properties and having bad credit would just go against us which we really can't do.

    Our biggest issues are that I do things that I end up regretting e.g booking holidays in the uk which still add up, book parties for the kids etc. I don't know how we got into so much debt but assume it must be down to this and i've never been on a good salary. My business has been hit badly and never recovered. I'm currently looking for a part time job but can't see this happening soon as I need it to be enough salary to cover childcare for my baby. My husband is on a good salary but works shifts which means I can't rely on him for childcare help and we don't have any family that can help us. I've tried working for direct selling companies and sell things on music magpie, ebay and gumtree ( I literally have nothing else to sell). I use cashbaack sites too and did do surverys but never seem to be eligible but will stary back with that- any recommendations for good ones? Or any ideas of making more money from home?

    We are due to go away soon and I would love to have advice on how we can save money on food whilst staying at a hotel, I thought I will bring snacks from home and croissants, drink cartons for breakfast but don't want to be speending loads on lunch and dinners.

    I also feel pressure from my family when it comes to birthdays and christmas time with regards to buying expensive pressies. We have a holiday booked at christmas too ( I know not ideal).

    I supoose I'm writng this to start afresh as I can't carry on like this anymore. I am severly depressed and wake up exhausted every day and have no motivation to do anything. I feel like we are drowing in debt. I am currently receiving cbt but in all honesty the crux of the situation is the debt is the issue. I'm sick of having regrets and living life like this so fingers crossed to new me, it' going to take years but here goes.....
Page 2
    • debtaghh
    • By debtaghh 30th Jul 16, 9:29 AM
    • 774 Posts
    • 2,252 Thanks
    debtaghh
    Thanks, I do think you're right and I should start a spending diary as I used to do it and realised I was spending loads on food, I've had to cut back a lot but would still be interesting to see exactly what I spend. I do think our biggest problem is the rent and debt we pay on top of me being naughty and booking trips etc! But there is nothing I can do about that apart from whilst we are there to cut back. I think I will cash the spending money out that way I can monitor it more as is too easy to just pay with your debit card.
    • MrsSave
    • By MrsSave 30th Jul 16, 1:41 PM
    • 1,307 Posts
    • 4,162 Thanks
    MrsSave
    Hi!!

    I've just had a read through, and I can see so much of myself in what you say. I'm bad for holidays. UK ones, not abroad, but it still adds up. We're going away next weekend for 4 nights. I've then already booked our next holiday for May next year. It's a term time one, so not badly priced at all. The balance of both have almost completely been paid off, and we'll be self catering so aim to eat in as much as possible. It is still expensive though.

    You're doing really well with your food budget. We're only a little under that and we're 2 adults and 1 toddler so you're doing great. Have you looked at something like mystery shopping? You won't make a fortune, but it can be a bit of extra money.

    Good luck x
    YNAB - one of my favourite money saving tools
    Check out my debt free diary 'Mrs S, family life and debt' below:
    • debtaghh
    • By debtaghh 30th Jul 16, 8:11 PM
    • 774 Posts
    • 2,252 Thanks
    debtaghh
    Hi!!

    I've just had a read through, and I can see so much of myself in what you say. I'm bad for holidays. UK ones, not abroad, but it still adds up. We're going away next weekend for 4 nights. I've then already booked our next holiday for May next year. It's a term time one, so not badly priced at all. The balance of both have almost completely been paid off, and we'll be self catering so aim to eat in as much as possible. It is still expensive though.

    You're doing really well with your food budget. We're only a little under that and we're 2 adults and 1 toddler so you're doing great. Have you looked at something like mystery shopping? You won't make a fortune, but it can be a bit of extra money.

    Good luck x
    Originally posted by MrsSave

    Thanks. I used to do mystery shopping but because i'm self employed I found it frustrating having to include this on my tax return but may look into redoing it as I did enjoy it and some was quite good money.

    Sold an item on gumtree and via ebay- non business related which is good ( not a lot but better than nothing).
    Last edited by debtaghh; 30-07-2016 at 8:22 PM.
    • debtaghh
    • By debtaghh 31st Jul 16, 7:44 AM
    • 774 Posts
    • 2,252 Thanks
    debtaghh
    We are meant to be going out today but our baby was up quite a lot last night so not sure if this will happen.

    Feeling a bit fed up about this car idea , I don't want to regret selling it but know my husband thinks selling it is the right thing to do.

    I need to sit and plan my week as I didn't do much with the kids last week. I worked out a budget for spending for the holidays so need to cash that out because when it's gone it's gone! Will see if there are any challenges I can do on here!
    • curiousralphy
    • By curiousralphy 31st Jul 16, 8:00 AM
    • 86 Posts
    • 358 Thanks
    curiousralphy
    I am having doubts about selling the car and worry that we will end up buying a problematic car.
    Originally posted by debtaghh
    I had the same worry buying my car, I was buying from a used car dealership and I discovered I could pay the RAC to come out and give a mechanical check-over and a report on what they thought. The second hand dealership had no issue with me doing this before I agreed to buy it. It cost me about £100 and this was around 7 years ago. I still have the same car and I've never had a problem with it. I would definitely do it again.
    • debtaghh
    • By debtaghh 31st Jul 16, 8:03 AM
    • 774 Posts
    • 2,252 Thanks
    debtaghh
    That's interesting to know about the RAC check.

    How old was the car you bought and what was the mileage?
    • tori.k
    • By tori.k 31st Jul 16, 9:10 AM
    • 2,896 Posts
    • 6,519 Thanks
    tori.k
    It's a gamble even with something like a RAC check as they are only visual inspections think pre-MOT. another downside with buying an older family car is Tax, insurance will most likely be higher and you wont get the fuel economy. Older car's will always have more wear and tear issues we had to replace the turbo on a second hand Altea 18months into ownership which cost us over 2k on a 7k car.

    Bangernomics is a lottery and unless selling the car will clear the bulk of your debt it's not a road that I would want to go down..

    Whats the running cost on the Car you have? to work that out add together all your cost's Tax, insurance, servicing & parts, deprecation and fuel and divide by miles per year that will give you cost by mile.

    Do the same for the older car your considering buying but add on a bit extra for unscheduled maintenance for the off chance of needing a new clutch, suspension components of the host of small gremlins that comes with an older car with higher millage.
    Is the difference between worth the risk?
    Debit to Credit (stage 1) 3652.34 completed 15/10/16
    Debit to Credit (stage 2) 6299.09 completed 25/06/17
    Last Castle 150,000/ 25300
    • Moneywhizz
    • By Moneywhizz 31st Jul 16, 9:25 AM
    • 118 Posts
    • 526 Thanks
    Moneywhizz
    I agree that buying and selling cars is a bit of a lottery and the customer is never the winner. If you can manage to pay down your debts, by cutting back on other non essential spending and increasing your income, I think that would be better in the long term. Getting rid of debt is usually a long term process, so you should think about what might happen in a couple of years if you buy an older car just now. Definitely something to think about very carefully before you decide if it is the best thing.
    • debtaghh
    • By debtaghh 31st Jul 16, 9:27 AM
    • 774 Posts
    • 2,252 Thanks
    debtaghh
    It's a gamble even with something like a RAC check as they are only visual inspections think pre-MOT. another downside with buying an older family car is Tax, insurance will most likely be higher and you wont get the fuel economy. Older car's will always have more wear and tear issues we had to replace the turbo on a second hand Altea 18months into ownership which cost us over 2k on a 7k car.

    Bangernomics is a lottery and unless selling the car will clear the bulk of your debt it's not a road that I would want to go down..

    Whats the running cost on the Car you have? to work that out add together all your cost's Tax, insurance, servicing & parts, deprecation and fuel and divide by miles per year that will give you cost by mile.

    Do the same for the older car your considering buying but add on a bit extra for unscheduled maintenance for the off chance of needing a new clutch, suspension components of the host of small gremlins that comes with an older car with higher millage.
    Is the difference between worth the risk?
    Originally posted by tori.k

    Thanks for your reply and no it won't cover a bulk of our debt unfortunately.


    With our current car apart from a new tyre as it stands everything else has been covered by the warranty and we just get it serviced annually. A tank costing £60 does about 450 miles and the tax costs £145pa and our insurance for it is £37 per month.
    • tori.k
    • By tori.k 31st Jul 16, 10:37 AM
    • 2,896 Posts
    • 6,519 Thanks
    tori.k
    TBH If you have a decent warranty like the hyundai seven year your unlikely to save anything by selling, more likely it would cost you more over the longerterm.

    Other than slogging it out with debt there is rarely a quick fix, Post a SOA new eyes can sometimes find things we may miss, then snowball the debts it wont be long before other 0% transfers open up as deals end. then you rinse and repeat, Your already working on the issue around why you built up debt in the first place keep at this.

    Im the worse for impatience where debt is concerned this will be linked to your anxiety if you can forget about selling the car for the moment and focus on your budget, what's on paper has the be the same as what in your purse every penny has to be accounted for at the moment so you know exactly what you need and what's left over for debt repayment.

    It took me 6 months of rejigging to account for everything, it's sad but I know too the penny how much I have to budget for my household expenses in each category and how much I have to overpay the debts.

    You will get there just gotta keep on trucking
    Debit to Credit (stage 1) 3652.34 completed 15/10/16
    Debit to Credit (stage 2) 6299.09 completed 25/06/17
    Last Castle 150,000/ 25300
    • debtaghh
    • By debtaghh 1st Aug 16, 6:32 AM
    • 774 Posts
    • 2,252 Thanks
    debtaghh
    I think we have one more year on our warranty.

    We ended up going out yeseterday but I was surprisingly disciplined. We had entrance passes and brought lunch from home including a flask of coffee. Our total spend was £3 plus fuel. My family came with me, mum etc but they all went for a takeaway for dinner , we didn't . We resisted and came home and I was cooking at 8pm at night, I am quite pleased I didn't give in!

    Today I need to check the banks and may make a small payment as I have had a few sales the last few days . I might attempt the survey sites again but am finding them slow. Need to do an online shop using my £10 coupons- total budget including coupons £40! I've set myself a limit of £60 cash only on food until we go away.

    We should find out how much we will get offered for the car today but the more I think about it, the more I think we should keep it and be disciplined in other areas. I was donating to charity every month a few pounds but last night I cancelled the direct debit, I do feel bad as I've been doing it for years but really want to clear this debt and need to cut my monthly outgoings
    Last edited by debtaghh; 01-08-2016 at 6:41 AM.
    • tori.k
    • By tori.k 1st Aug 16, 7:31 AM
    • 2,896 Posts
    • 6,519 Thanks
    tori.k
    That is exactly how to do it, take care of the pennies and the pounds take care of themselves. just finding £3 a day in your budget saved would net you over a 1k in a year. start small and go from there
    Debit to Credit (stage 1) 3652.34 completed 15/10/16
    Debit to Credit (stage 2) 6299.09 completed 25/06/17
    Last Castle 150,000/ 25300
    • elsien
    • By elsien 1st Aug 16, 9:23 AM
    • 15,288 Posts
    • 38,382 Thanks
    elsien
    I also decided to cancel my charity donations when I lost my job. But there are other things you can do to support charities if you wish and you can restart payments when you're in a better position. I got a phonecall from one charity asking if they'd done something to upset me, but that was all.
    All shall be well, and all shall be well, and all manner of things shall be well.

    Pedant alert - it's could have, not could of.
    • Saver-upper
    • By Saver-upper 1st Aug 16, 10:41 AM
    • 1,648 Posts
    • 12,570 Thanks
    Saver-upper
    Hi debtaghh.You are sounding so motivated,and I know you will crack this debt.You really do sound so focussed.

    For surveys,you could try Pinecone.I have been doing Pinecone for a couple of years (might be coming up to 2 years,I think),and,as per my signature,have so far earnt about £220.Surveys pay £3 each,and I usually get 2-3 a month.You can be paid into Paypal,by vouchers,or hundreds of different "things",experiences,etc.They only open their books for new panellists every now and again.Maybe start by Googling "Pinecone",and see if you can find an invitation.ALso,there is a long-running thread on MSE about Pinecone.Maybe people post there when there is an opening?
    I find the surveys really interesting.And you don't get timed out.I think this is because they are so thorough with their "household surveys",which determine which surveys are appropriate for you.
    I also think I get alot of surveys because I have a big family (OH and 4 children),so I get surveys on a range of consumer habits-relevant to adults,different aged children,school-age children,teens etc.
    Once I was even given £25 for taking part in a 90 min "live chat" survey,which was really interesting.

    I know it can be hard to work around you husband's work pattern,but do you think you can work on weekends?This is how I started my cleaning business.I put a brief post on Netmums website,asking if anyone would be interested in having a cleaner come in on the weekend.Had a couple of interested people.I worked 2-3 jobs each Saturday and Sunday,at that stage I charged £8/hour (6 years ago).
    Now,with no pre-school children,I work mostly weekday,unless I have had to take time off (kids sick,school plays,etc),I work school hours,term-time only, except during the long summer holidays,when everyone gets 1-3 cleans,fitting in with my childcare arrangements and their holidays.Because all my customers are mums,they understand having children means school plays,sick kids,etc.I have had some of my customers for 5 years,and now charge £11/hour,going up to £12 in September,£13 for longer distances. Since that netmums ad,I have never advertised-everything is by word of mouth.
    For yourself,I would suggest you put ads up,maybe Netmums (my local site is not as busy as it used to be,but yours may be),Mumsnet,local supermarket (when starting out I did work for a family for about 2 years,until they moved out of the country.They had responded to a card I had left on a Sainsbury noticeboard.)Say you are looking for cleaning work on weekend,times flexible.Maybe to start with,have 1-2 customers (might be a total of 5 hours).See what cleaners are charging locally.When you see how that is going,with fitting in with hubby's work,taking time out of your weekend,customers allowing you the flexibility,etc,then you might advertise some more,or ask your current customers if they know anyone else that needs a cleaner (or,often what happens, is your customer says "I have a friend who is looking for a cleaner......").

    I know you are a bit shy,but I really do think putting up your SOA is a good idea.Even if you get one suggestion for saving money,it will be worth it.For example,it amazes me how cheap people can get their mobile phone plans: mine is £10/month,but I have seen people on here talking about paying £5-6/month.Also cheaper broadband.

    Have you contacted your energy supplier to see if there is any credit they can repay you?I changed to Marks and Spencer energy (SSE) about 2 years ago.When I had been with them for a year,I realised I was about £350 in credit.I phoned them to ask for that back,it was in my account about 2 days later .
    Twelve months after that,I did the same thing.They checked that my DD's would cover the winter months,then refunded me about £120-150 (can't remember),AND reduced my monthly DD's.

    LAST month,when I checked my bill online,there was a note,unprompted by me this time,saying my electricity was in credit by £220,my gas by £75,these would be refunded to me in the next few days,and my DD's for gas and electricity would be going down by a total of £50-ish from August .

    Good luck debtaghh.I will be following you and cheering you on.Sorry for the wall of text,hopefully there is something useful in there for you
    Take care.
    Last edited by Saver-upper; 01-08-2016 at 10:43 AM.
    Roadkill Rebel #14,2016:£35.50 £12,000in2016 #82=£3163
    SPC #155 x 7.SPC7=£751.10 SPC8=£651.04 SPC9=£843.00 SPC10=£872.76
    Pinecone £292,Valued Opinions £10.50




    • TheSilverYew
    • By TheSilverYew 1st Aug 16, 12:16 PM
    • 35 Posts
    • 70 Thanks
    TheSilverYew
    Well done on not spending and going home to cook! You see, you are doing little things now and while you feel anxious to clear the debt quickly, its the little things and the slow and steady push that will do it in the end.
    Ebay, Gumtree, Surveys, it all adds up! Regarding surveys I would suggest:
    Toluna
    Globaltestmarket
    Pinecone as suggested
    OnePoll
    Swagbucks
    Inboxpounds
    Maximiles
    Valued Opinions
    YouGov

    They all pay but Toluna, Valued Opinions and Globaltestmarket send you surveys often and so you'll get a payout quicker. What we do is that I do these and save them throughout the year and use the vouchers I earn to buy Christmas and birthday presents.

    It must feel terrible to be stuck in this and not tell anyone. Are you in a position to tell your friends and family frankly that you can't afford things like takeouts, expensive presents and holidays, or does it need to be kept a secret? A problem shared is a problem halved, would you feel a bit better if you told someone? (apart from your therapist, like a friend). In our family it's no secret that we owe money and have not had a lot of money and it is so nice because people understand and respect that we have to watch our pennies.
    Money owed (May 2016) July 2017 : Mortgage: £83,775.72 £80,189.95 Student loan: £43000 £38633.80 Family: £11500.
    • debtaghh
    • By debtaghh 1st Aug 16, 3:53 PM
    • 774 Posts
    • 2,252 Thanks
    debtaghh
    I also decided to cancel my charity donations when I lost my job. But there are other things you can do to support charities if you wish and you can restart payments when you're in a better position. I got a phonecall from one charity asking if they'd done something to upset me, but that was all.
    Originally posted by elsien
    Hi debtaghh.You are sounding so motivated,and I know you will crack this debt.You really do sound so focussed.

    For surveys,you could try Pinecone.I have been doing Pinecone for a couple of years (might be coming up to 2 years,I think),and,as per my signature,have so far earnt about £220.Surveys pay £3 each,and I usually get 2-3 a month.You can be paid into Paypal,by vouchers,or hundreds of different "things",experiences,etc.They only open their books for new panellists every now and again.Maybe start by Googling "Pinecone",and see if you can find an invitation.ALso,there is a long-running thread on MSE about Pinecone.Maybe people post there when there is an opening?
    I find the surveys really interesting.And you don't get timed out.I think this is because they are so thorough with their "household surveys",which determine which surveys are appropriate for you.
    I also think I get alot of surveys because I have a big family (OH and 4 children),so I get surveys on a range of consumer habits-relevant to adults,different aged children,school-age children,teens etc.
    Once I was even given £25 for taking part in a 90 min "live chat" survey,which was really interesting.

    I know it can be hard to work around you husband's work pattern,but do you think you can work on weekends?This is how I started my cleaning business.I put a brief post on Netmums website,asking if anyone would be interested in having a cleaner come in on the weekend.Had a couple of interested people.I worked 2-3 jobs each Saturday and Sunday,at that stage I charged £8/hour (6 years ago).
    Now,with no pre-school children,I work mostly weekday,unless I have had to take time off (kids sick,school plays,etc),I work school hours,term-time only, except during the long summer holidays,when everyone gets 1-3 cleans,fitting in with my childcare arrangements and their holidays.Because all my customers are mums,they understand having children means school plays,sick kids,etc.I have had some of my customers for 5 years,and now charge £11/hour,going up to £12 in September,£13 for longer distances. Since that netmums ad,I have never advertised-everything is by word of mouth.
    For yourself,I would suggest you put ads up,maybe Netmums (my local site is not as busy as it used to be,but yours may be),Mumsnet,local supermarket (when starting out I did work for a family for about 2 years,until they moved out of the country.They had responded to a card I had left on a Sainsbury noticeboard.)Say you are looking for cleaning work on weekend,times flexible.Maybe to start with,have 1-2 customers (might be a total of 5 hours).See what cleaners are charging locally.When you see how that is going,with fitting in with hubby's work,taking time out of your weekend,customers allowing you the flexibility,etc,then you might advertise some more,or ask your current customers if they know anyone else that needs a cleaner (or,often what happens, is your customer says "I have a friend who is looking for a cleaner......").

    I know you are a bit shy,but I really do think putting up your SOA is a good idea.Even if you get one suggestion for saving money,it will be worth it.For example,it amazes me how cheap people can get their mobile phone plans: mine is £10/month,but I have seen people on here talking about paying £5-6/month.Also cheaper broadband.

    Have you contacted your energy supplier to see if there is any credit they can repay you?I changed to Marks and Spencer energy (SSE) about 2 years ago.When I had been with them for a year,I realised I was about £350 in credit.I phoned them to ask for that back,it was in my account about 2 days later .
    Twelve months after that,I did the same thing.They checked that my DD's would cover the winter months,then refunded me about £120-150 (can't remember),AND reduced my monthly DD's.

    LAST month,when I checked my bill online,there was a note,unprompted by me this time,saying my electricity was in credit by £220,my gas by £75,these would be refunded to me in the next few days,and my DD's for gas and electricity would be going down by a total of £50-ish from August .

    Good luck debtaghh.I will be following you and cheering you on.Sorry for the wall of text,hopefully there is something useful in there for you
    Take care.
    Originally posted by Saver-upper
    Well done on not spending and going home to cook! You see, you are doing little things now and while you feel anxious to clear the debt quickly, its the little things and the slow and steady push that will do it in the end.
    Ebay, Gumtree, Surveys, it all adds up! Regarding surveys I would suggest:
    Toluna
    Globaltestmarket
    Pinecone as suggested
    OnePoll
    Swagbucks
    Inboxpounds
    Maximiles
    Valued Opinions
    YouGov

    They all pay but Toluna, Valued Opinions and Globaltestmarket send you surveys often and so you'll get a payout quicker. What we do is that I do these and save them throughout the year and use the vouchers I earn to buy Christmas and birthday presents.

    It must feel terrible to be stuck in this and not tell anyone. Are you in a position to tell your friends and family frankly that you can't afford things like takeouts, expensive presents and holidays, or does it need to be kept a secret? A problem shared is a problem halved, would you feel a bit better if you told someone? (apart from your therapist, like a friend). In our family it's no secret that we owe money and have not had a lot of money and it is so nice because people understand and respect that we have to watch our pennies.
    Originally posted by TheSilverYew


    Thank you all so much for taking the time to read my diary and for replying, I really appreciate it. I will still def do the odd charity donation and when the debt is cleared will start back up my monthly donations. Will look into the survey sites as I didn't sign up to those ones but have belonged to valued opinions for years but couldn't get it to work at the weekend. My family know I have debt but no where near how much and it's not worth the hassle as they just judge and say how did we get into such a mess etc. I have asked my mum if she will allow us to pay £20 per month less towards what we owe her as that would be another saving. My husband works some weekends too without a day off during the week but strangely enough a family member wants a cleaner for approx 2 hours per week and is happy to pay £10 per hour. ( saver-upper it sounds like you have got yourself a great business, well done!) I am on the cheapest deals with Eon and just changed it to the cheapest package and lowered the direct debit.


    I found out my car has three years left on the warranty which makes me even more think we should keep it.



    I have done my online shop and managed to stick to my budget of £40 ( lots of value items in my basket this week!)

    Can someone remind me how to do an soa?


    Thanks so much to everyone reading and for replying .
    Last edited by debtaghh; 01-08-2016 at 4:06 PM.
    • Saver-upper
    • By Saver-upper 1st Aug 16, 4:21 PM
    • 1,648 Posts
    • 12,570 Thanks
    Saver-upper
    Here is the link for an SOA:
    http://www.stoozing.com/calculator/soa.php

    At the bottom there is button you press to format it for MSE.
    Well done being brave and posting it.I am sure you will get some great advice.
    Roadkill Rebel #14,2016:£35.50 £12,000in2016 #82=£3163
    SPC #155 x 7.SPC7=£751.10 SPC8=£651.04 SPC9=£843.00 SPC10=£872.76
    Pinecone £292,Valued Opinions £10.50




    • debtaghh
    • By debtaghh 1st Aug 16, 5:14 PM
    • 774 Posts
    • 2,252 Thanks
    debtaghh
    Thanks for the link. I can't get it to calculate but think it's my laptop as I managed to do it on my phone but then couldn't copy it onto here. It said -£108 but I hadn't included anything from my online business or any overtime for my husband. Likewise I left a lot blank e.g entertainment, holidays, presents , hair cuts as we don't put anything towards them.
    • kbl
    • By kbl 1st Aug 16, 6:13 PM
    • 327 Posts
    • 1,331 Thanks
    kbl
    Just wanted to wish you luck in your journey, just a couple of thoughts, regarding your trip away in a hotel, when we used to go and the littlies were little, we always paid for the bed and breakfast option, would have the full fry with toast etc, then take some fruit and yoghurts for later. We always went down later rather than as soon as breakfast started, and that tended to fill them up so the fruit etc was enough for lunch. We also brought some cereal with us and some multibags of chocolate, that really only left dinner to pay for? Also, if you live in a town, perhaps you could take in some ironing? I know back in the day before the !!!! hit the fan, i would have gladly paid someone to do mine Hope that helps
    Credit card €3452.36/€ 6250 55.23%
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    2016 mfw #132 €35.65/€600
    wtshtf fund 52/ €1500
    emergency fund 0/€500
    PAYDBX 2016 #132 2926.36/4550 64.31%
    • debtaghh
    • By debtaghh 1st Aug 16, 7:44 PM
    • 774 Posts
    • 2,252 Thanks
    debtaghh
    Just wanted to wish you luck in your journey, just a couple of thoughts, regarding your trip away in a hotel, when we used to go and the littlies were little, we always paid for the bed and breakfast option, would have the full fry with toast etc, then take some fruit and yoghurts for later. We always went down later rather than as soon as breakfast started, and that tended to fill them up so the fruit etc was enough for lunch. We also brought some cereal with us and some multibags of chocolate, that really only left dinner to pay for? Also, if you live in a town, perhaps you could take in some ironing? I know back in the day before the !!!! hit the fan, i would have gladly paid someone to do mine Hope that helps
    Originally posted by kbl

    Thanks very much. We don't have breakfast included but did think of doing like you said which would cost £18 for breakfast for all of us. I have started to buy snacks and cereals for our holiday.


    I don't think anyone would pay for me to do their ironing ( yes I'm that bad) .


    The garage are trying to knock more money off the car so with that news and news that we have three more years left on the warranty, I'm thinking we should keep it and cut back on other areas.


    I think this diary is definitely helping me think twice about things. Tonight after research I ate out of date quiche by one day, normally I would have just thrown it away.


    Today was another nsd but tomorrow will be costly as am going to the shops to buy bits for the kids for school.


    Once the kids are in bed I will attempt the survey sites again.
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