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  • FIRST POST
    • Treadingonplaymobil
    • By Treadingonplaymobil 12th Feb 17, 9:56 AM
    • 860Posts
    • 7,186Thanks
    Treadingonplaymobil
    £67,031.92 is a frightening number indeed....
    • #1
    • 12th Feb 17, 9:56 AM
    £67,031.92 is a frightening number indeed.... 12th Feb 17 at 9:56 AM
    £67,031.92. Seriously. £67,031.92. That is a SCARY number. I can't believe our debt has peaked (and it is the peak, I am determined) at this level.

    Our light bulb moment actually happened a few months back, but it's taken since then of wrangling utilities and carefully watching out income/outgoings (using You Need a Budget) to really figure out where we were overspending and how the monthly shortfall of anything from £200-£1,000+ was happening.

    We have literally nothing to show for this debt, it's just crept up over the past 8 years or so, and has always been at manageable levels, but back in October we realised we were spending more on credit cards each month than we were paying off.

    We committed that cardinal sin of taking out a consolidation loan, but alongside it we looked really carefully at our spending over the next couple of months, budgeted realistically for what we spend and have (I think) picked off all the easy 'low hanging fruit' of budget cuts and really identified why we were overspending.

    The main reason for the debt is, erm, me. Not that I'm the biggest spender (neither of us are amazing), but because I am self employed with a hugely variable income and basically worked out our budgets on the basis I would always earn my 'best' month's income. Which was, with hindsight, maybe a TINY bit deluded.

    The aim of this diary is to keep us on track with actually reducing our debt every single month, not doing it in a three steps forward, two (or four) steps back sort of way. Having sat down and put our numbers into the whatsthecost site, it appears that we are looking at 7 years and 1 month of repayments to clear the debt (and that's assuming we can get rid of the shortfall showing below). I REALLY want to reduce this term as that just seems bonkers.

    SOA below, with a couple of explanatory notes.

    Statement of Affairs and Personal Balance Sheet

    Household Information

    Number of adults in household........... 2
    Number of children in household......... 3
    Number of cars owned.................... 1

    Monthly Income Details

    Monthly income after tax................ 250 (variable, but this is the minimum I have earned in any month in the last 5 years)
    Partners monthly income after tax....... 2711.86
    Benefits................................ 192
    Other income............................ 0
    Total monthly income.................... 3153.86


    Monthly Expense Details

    Mortgage................................ 698
    Secured/HP loan repayments.............. 0
    Rent.................................... 0
    Management charge (leasehold property).. 0
    Council tax............................. 174 (including overpayment for a period when we messed up during a house move 18 months ago and didn't restart the direct debit for the new property. Will drop by a little under £50 after either March or April, can't remember which)
    Electricity............................. 52 (gas and electricity are one combined DD, I haven't checked the exact split but the total is £104)
    Gas..................................... 52
    Oil..................................... 0
    Water rates............................. 104 (also including a debt from previous property, but I think this will be included for another 6 months or so. I'm not sure what our actual usage is)
    Telephone (land line)................... 18.5 (includes internet)
    Mobile phone............................ 85 (£45 for my contract, which I use for work as well, £40 for DH)
    TV Licence.............................. 12.12
    Satellite/Cable TV...................... 0
    Internet Services....................... 0 (included in landline cost)
    Groceries etc. ......................... 520 (Includes £40 for one lot of school lunches. I am REALLY struggling to reduce this, but feel I could and should be able to!)
    Clothing................................ 100 (growing children, plus see notes below re clothes)
    Petrol/diesel........................... 225 (90% DH commuting costs)
    Road tax................................ 16.27
    Car Insurance........................... 25.22
    Car maintenance (including MOT)......... 30
    Car parking............................. 0
    Other travel............................ 50
    Childcare/nursery....................... 70 (this will disappear in April as child 3 gets free 15 hours)
    Other child related expenses............ 81.85 (music/swimming lessons x2, cubs and beavers, National Trust membership as they love visiting them)
    Medical (prescriptions, dentist etc).... 5
    Pet insurance/vet bills................. 0
    Buildings insurance..................... 27.07
    Contents insurance...................... 0
    Life assurance ......................... 16.26
    Other insurance......................... 0
    Presents (birthday, christmas etc)...... 90
    Haircuts................................ 20
    Entertainment........................... 135
    Holiday................................. 75
    Emergency fund.......................... 25
    Total monthly expenses.................. 2707.29



    Assets

    Cash.................................... 0
    House value (Gross)..................... 210000
    Shares and bonds........................ 0
    Car(s).................................. 800
    Other assets............................ 0
    Total Assets............................ 210800



    Secured & HP Debts

    Description....................Debt......Monthly.. .APR
    Mortgage...................... 173733...(698)......3.14
    Total secured & HP debts...... 173733....-.........-


    Unsecured Debts
    Description....................Debt......Monthly.. .APR
    Barclaycard....................6880.21...156...... .0
    MBNA...........................9614.71...98....... .0
    Parental loan..................20000.....0.........0 (see notes below)
    Tesco loan.....................21000.....377.......10
    Total unsecured debts..........57494.92..631.......-



    Monthly Budget Summary

    Total monthly income.................... 3,153.86
    Expenses (including HP & secured debts). 2,707.29
    Available for debt repayments........... 446.57
    Monthly UNsecured debt repayments....... 631
    Amount short for making debt repayments. -184.43


    Personal Balance Sheet Summary
    Total assets (things you own)........... 210,800
    Total HP & Secured debt................. -173,733
    Total Unsecured debt.................... -57,494.92
    Net Assets.............................. -20,427.92


    Created using the SOA calculator at stoozing.
    Reproduced on Moneysavingexpert with permission, using other browser.


    Regarding the (relatively) high clothes expense, it is a combination of 3 growing children (8, 6 and 3), plus the fact that my job is in the fashion industry, and as a self employed person I need to have the right sort of 'look' in order to get work (think along the lines of a self employed personal shopper - people need to see you looking good in order to book with you).

    The parental loan was for a house deposit. The parent in question has no idea about our debts. She is not desperate for the money back and isn't charging us interest, but has asked us to save £150-200 every month into a savings account and then once we've saved a decent sum to either repay them or 'reborrow' it for work on the house (basically they want us to be able to make repayments if they suddenly need the extra income, but meanwhile are happy for us to benefit from it. I am not saving the money while our debt payments are so high - we are hoping to have paid enough off that if the parent ever needs it that we can reborrow it and pay them back). This isn't great, but realistically I think the best solutions is to treat it as the lowest priority for snowballing - once we have paid back the other debts we will throw the entire £630+ at this debt.

    So, there is a freaking enormous shortfall every month, which is somewhat depressing. Most months it is covered by the fact that I earn more than my 'bare minimum', but it is those months where it isn't covered that the debt creeps up again, and I am a total disaster for going 'oh well, we've spent on the credit card, we might as well keep going' and buying more clothes or something for the house - this is probably a significant proportion of our debt problem.

    We have managed to get rid of the balance on the one credit card we were spending on, so the remaining ones are both on 0% deals (although one expires in September). I have not cut up the remaining credit card, because we don't have an emergency fund in case of eg boiler repairs, but it has not been used for all of a month, and I hope to keep it that way.

    A DMP or similar isn't really on my horizon right now - I feel like we should be able to make the cuts to make our budgets balance, and I am optimistic that as my income goes up (when I can work more as child 3 starts school) that we will be able to make overpayments.

    My plan for now is:
    1) Try to wiggle those budget numbers around enough that we don't have a shortfall any more.
    2) Make a plan for any months where I make extra - do I use it for an emergency fund, as a fund to cover future months' shortfalls, to throw money at the debt to try to reduce minimum payments in case of future 'shortfall' months?
    3) Try to make more money. Not quite sure how this will work as I am largely limited to working around DH's working hours (I work evenings and weekends and the 5hrs childcare per week we are paying for for child 3).

    Now that's all down in black and white I am feeling a combination of relieved (to be clear on the numbers) and immensely stressed (by the semi-regular £180+ shortfall).

    Onwards and downwards (for the debt, not me)!

    edited to add: the original £67,031.92 figure was based on the total figure for the Tesco loan, which included all interest payable over the entire term of the loan. I have updated the debt figure in my signature and in all posts going forward as at 4th June 2017 to reflect that actual current debt balance rather than the balance plus interest over the lifetime of the loan. This has knocked £7,911.62 off the debt figure, but means that each monthly payment will have the interest for that month deducted from it, so it won't affect the DFD if I don't make overpayments.
    Last edited by Treadingonplaymobil; 04-06-2017 at 2:58 PM.
Page 50
    • emmie26
    • By emmie26 19th Jun 17, 9:34 PM
    • 468 Posts
    • 1,644 Thanks
    emmie26
    I am still at the making the most of every second in the sun phase at the moment. My house is a mess, we are just eating bbq food and drinking gin in the sun - bliss!

    I need your get up and go so I can tackle my to do list

    Total Debt: £24,359.79 £22,182
    debt reduced by 9%
    Debt free date: May 2019
    • Cherryfudge
    • By Cherryfudge 19th Jun 17, 11:48 PM
    • 593 Posts
    • 1,791 Thanks
    Cherryfudge
    Oh my goodness... I'm away for a few days and come back to 41 new posts on your thread! Things do move quickly!

    I'll resist the temptation to talk about everything all over again and just say: well done to your DH for the pay rise. I know it wasn't as much as hoped for, but it will still be really useful in helping you balance the books. Oh, and do buy a flask... if you'll use it, which it sounds as though you might. You may end up making your own yogurt in it, or tipping the extra hot water from the kettle in rather than wasting money by reboiling it for coffee!
    • Treadingonplaymobil
    • By Treadingonplaymobil 20th Jun 17, 6:56 AM
    • 860 Posts
    • 7,186 Thanks
    Treadingonplaymobil
    Week 19: Day 3

    Thanks for the tip on Mr A having camping gear in XSpender, am in a city with one tomorrow so will take a look.

    DH's pay rise wen through too late to be included in this month's pay run, but his boss has casual mentioned (not absolutely promised) he will try to get it backdated to June. We'll see.

    I need to make a packed dinner for tonight as it is The Night of Multiple Clubs, when we are all in a bit of a rush. Have done pasties for the last two weeks, might do a quiche tonight, for a change.

    to do today:
    1. paint another batch of fence pickets and fence posts.
    2. tidy DCs' room.
    3. social media for work, especially smaller business.
    4. actually clear my 'small and boring jobs' list so I'm not continually carrying jobs over to the next day.
    5. bake sourdough.
    6. make flapjacks for snacks.
    7. make quiche for dinner.
    8. Make some other freezable snack.
    9. Pop to the shop for top up of tea bags and fruit.

    to do this week:
    1. Make picket fence.
    2. Go through camping stuff and plan what we need for the summer's camping trips.
    3. Keep focusing on smaller business while main business is quiet.
    £67,031.92 is a frightening number indeed... The debt free diary of one family and their enormous debt
    LBM debt on 12th Feb 2017/DFD: £58,608.13/1st Dec 2026
    debt on 2nd Aug 17/DFD: ££55,243.13/1st April 2025
    • Treadingonplaymobil
    • By Treadingonplaymobil 20th Jun 17, 7:02 PM
    • 860 Posts
    • 7,186 Thanks
    Treadingonplaymobil
    I'm enjoying the sunshine, but it certainly doesn't improve my efficiency levels! Much too much time sitting in the shade in the garden today enjoying the warmth.

    At that very boring stage of the month where there really is nothing to report in MSE news, apart from 'still poor, still spending more than I should, but less than I was.' On the count down to payday now, and looking forward to a clean slate next month.

    to do today:
    1. paint another batch of fence pickets and fence posts. done. OMG how bored are we all of seeing this on the list?
    2. tidy DCs' room. not done. Too hot.
    3. social media for work, especially smaller business. Done.
    4. actually clear my 'small and boring jobs' list so I'm not continually carrying jobs over to the next day. Not all done, but made some progress, and going to continue ploughing away at it after I've finished up here.
    5. bake sourdough. The second loaf is in the oven as I type.
    6. make flapjacks for snacks. Not done, but might make some in a minute while the oven is hot.
    7. make quiche for dinner. done.
    8. Make some other freezable snack. Not done. Lacking inspiration.
    9. Pop to the shop for top up of tea bags and fruit. Done, £8.

    to do this week:
    1. Make picket fence.
    2. Go through camping stuff and plan what we need for the summer's camping trips.
    3. Keep focusing on smaller business while main business is quiet.
    £67,031.92 is a frightening number indeed... The debt free diary of one family and their enormous debt
    LBM debt on 12th Feb 2017/DFD: £58,608.13/1st Dec 2026
    debt on 2nd Aug 17/DFD: ££55,243.13/1st April 2025
    • emmie26
    • By emmie26 20th Jun 17, 9:45 PM
    • 468 Posts
    • 1,644 Thanks
    emmie26
    It's cooled down a bit here tonight and I've managed to get a bit of gardening done, I love the heat but it's actually much better to work in when it's a bit cooler

    Total Debt: £24,359.79 £22,182
    debt reduced by 9%
    Debt free date: May 2019
    • Treadingonplaymobil
    • By Treadingonplaymobil 21st Jun 17, 6:23 AM
    • 860 Posts
    • 7,186 Thanks
    Treadingonplaymobil
    Week 19: Day 3

    The last forecast day of truly scorching weather for us today, I think we'll all miss it a bit when it's gone, despite the endless sun cream applications.

    Have to take DS1 to nearby city today for a school activity, so have six hours to kill while he is there (not worth driving home and back again). If I manage it without spending more than just parking money, it will be a miracle. Well, I know I won't, as I can't live that long without tea.

    to do today:
    1. paint another batch of fence pickets and fence posts.
    2. Make tortilla wraps for packed lunches
    3. Make packed lunches for DC1, DC3 and me.
    4. social media for work, especially smaller business.
    5. minimal spends today. Remember to buy appropriately sized screws to finish the fence.
    6. Get leftover soup out to defrost for dinner.

    to do this week:
    1. Make picket fence.
    2. Go through camping stuff and plan what we need for the summer's camping trips.
    3. Keep focusing on smaller business while main business is quiet.
    £67,031.92 is a frightening number indeed... The debt free diary of one family and their enormous debt
    LBM debt on 12th Feb 2017/DFD: £58,608.13/1st Dec 2026
    debt on 2nd Aug 17/DFD: ££55,243.13/1st April 2025
    • Treadingonplaymobil
    • By Treadingonplaymobil 21st Jun 17, 11:27 AM
    • 860 Posts
    • 7,186 Thanks
    Treadingonplaymobil
    I am reminded that I need to plan days like today (6hrs of hanging around with DC3 waiting for DC1). Only 11:30 and we have already spent £7 in a cafe (and parking will be £6 or so). Just bringing a packed lunch is not enough! Have no idea how we are going to fill the remaining four hours, but suspect it may involve spending a bit more money.
    £67,031.92 is a frightening number indeed... The debt free diary of one family and their enormous debt
    LBM debt on 12th Feb 2017/DFD: £58,608.13/1st Dec 2026
    debt on 2nd Aug 17/DFD: ££55,243.13/1st April 2025
    • JoJoC
    • By JoJoC 21st Jun 17, 12:12 PM
    • 1,149 Posts
    • 3,534 Thanks
    JoJoC
    Here's some ideas to try to avoid spending. Use Google to:
    - find a local park
    - find a local free museum
    - go exploring with your youngest with a plan in mind (finding sticks, strange shaped stones etc)
    - Is there another town within a short drive from you that might have things to do?
    - Go to a charity shop and spend a small amount on a game that you can take to a grassy area and play with your youngest to pass the time
    - Do you have a ball in the car? I keep one in the boot for unexpected passing of time with two boys

    Without knowing where you are these are a bit vague, but might spark inspiration to avoid spending!

    Good luck!
    CC1: 3,774.32/4,200 | CC2: 5,077/5,393 | Loan: 7,430/15,000
    Total: 16,292.57/20,032 Paid since Feb17: 3,739 or 18.66%

    Mummy of two boys - Working hard to make better financial choices!
    *My debt busting and savings diary*
    • EssexHebridean
    • By EssexHebridean 21st Jun 17, 3:55 PM
    • 7,565 Posts
    • 39,417 Thanks
    EssexHebridean
    Bearing in mind you brought backed lunches from home, how did you end up with £7 spent in the cafe? Remember if you're out like that and just in need of a cuppa the Wetherspoon pub chain do decently priced hot drinks far cheaper than your average cafe prices, and they all have a aet area in which you can take children during the day too I believe. Using somewhere like that potentially avoids appeals for extras like the nice foody bits that cafes temptingly put on display too!

    JoJoC makes some great suggestions below there - things like games of Pooh Sticks if you're anywhere with a park with a stream are free and fun, you could make up a "scavenger hunt" for the little ones where they have to find an item for each letter of the alphabet (note I said "find" rather than "collect"!) making daisy chains...

    Here's a challenge for you on item 2 of your weekly list by the way - how about altering it to read "Go through camping stuff to work out how we can get away without buying anything more for the planned trips"? Poundland is always worth a look for odds and ends for camping stuff though - all our plasticware is from there- bought when we first started camping again which I think was nearly 10 years ago and still going strong. Similarly their pots and pans are plenty good enough for getting bashed around for camping, and their little battery lanterns are BRILLIANT - so much better than our big expensive one!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£450.55 (14/08/17)
    • Treadingonplaymobil
    • By Treadingonplaymobil 21st Jun 17, 6:33 PM
    • 860 Posts
    • 7,186 Thanks
    Treadingonplaymobil
    Well it was sort of successful, sort of not. Mostly not. We went and stocked up on sun cream, which we urgently needed, and will see us through the summer, but that was £35 for various kids 8hr and sports ones (for surfing etc, we all get stingy eyes in the sea from normal sun cream, little precious flowers that we are). Then spent £8 on fruit and bits for a little midsummer celebration tonight. BUT I didn't spend on any entertainment/tea etc, we played in the park for a couple of hours, went to the museum then did some window shopping.

    EH we definitely need to buy some camping stuff - with the amount we're going this summer I can't face another year of taking stuff from the kitchen, putting it back, taking it again, putting it back again etc etc. Also DH and I have no bed, and DC3 needs one (she was in a travel cot last year, now sold).

    Went to Wilko today and they had NO WASHING UP BOWLS. This is getting a little silly now.
    £67,031.92 is a frightening number indeed... The debt free diary of one family and their enormous debt
    LBM debt on 12th Feb 2017/DFD: £58,608.13/1st Dec 2026
    debt on 2nd Aug 17/DFD: ££55,243.13/1st April 2025
    • Treadingonplaymobil
    • By Treadingonplaymobil 22nd Jun 17, 5:49 AM
    • 860 Posts
    • 7,186 Thanks
    Treadingonplaymobil
    Week 19: Day 5

    Well, the 'end' of the heatwave still seems to mean 17 degrees at 4.30am, and apparently up to 20 here later. Enjoying the ability get laundry done so easily - my washing basket has never been so consistently empty!

    DH got paid this morning, and I have already assigned all of his salary away. No pay rise yet, as expected. Fingers crossed for next month. I have managed to give us both £20 spending money for the first time in a while, which is nice.

    DC3 has three hours at preschool today, so this is my day for rushing round like a mad thing trying to get everything done.

    to do today:
    1. Clear ironing while it is still a basket full, rather than a mountain.
    2. Phone national trust - no new cards have arrived, despite DD coming out a few weeks ago.
    3. Mend MORE school trousers - I refuse to buy more before the end of term!
    4. social media for work, especially smaller business.
    5. Change and launder ours and ds1's bed sheets.
    6. Pay for DC3 school trip
    7. Bake sourdough
    8. Prep ingredients for DH to batch cook chilli tonight.
    9. Batch cook dal
    10. Make naan breads
    11. Work on smaller business for an hour or two - another couple of little sales in yesterday shows it's paying off.

    to do this week:
    1. Make picket fence. Finally finished painting, hurrah!
    2. Go through camping stuff and plan what we need for the summer's camping trips.
    3. Keep focusing on smaller business while main business is quiet. Going well.
    £67,031.92 is a frightening number indeed... The debt free diary of one family and their enormous debt
    LBM debt on 12th Feb 2017/DFD: £58,608.13/1st Dec 2026
    debt on 2nd Aug 17/DFD: ££55,243.13/1st April 2025
    • Cherryfudge
    • By Cherryfudge 22nd Jun 17, 9:30 AM
    • 593 Posts
    • 1,791 Thanks
    Cherryfudge
    Well done on all that painting!
    • EssexHebridean
    • By EssexHebridean 22nd Jun 17, 11:45 AM
    • 7,565 Posts
    • 39,417 Thanks
    EssexHebridean
    woop to painting!

    Washing up bowls - pretty sure I spotted that T3SC0 have them for £2
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£450.55 (14/08/17)
    • topbargainhunter
    • By topbargainhunter 22nd Jun 17, 1:32 PM
    • 278 Posts
    • 1,446 Thanks
    topbargainhunter
    Washing up bowls are £1.50 in Asda
    Mortgage to clear asap! - £148,874.38 as at 1 May 2013
    £139,315.39 7 June 2013
    £120,000 Feb 2015
    £105,000 Sept 2016
    £98,000 May 2017
    • GeorgianaCavendish
    • By GeorgianaCavendish 22nd Jun 17, 2:21 PM
    • 507 Posts
    • 2,245 Thanks
    GeorgianaCavendish
    A bit late now but our local TK Maxx has lots of top brand suncream at the moment, including things like P20 and various other sports/swim specific ones.
    Georgiana, Duchess of Debt-shire's July 2017 Debt Totals: HSBC Loan £11,362.14 / MBNA £3318.34 / Barclaycard £6360.70 / Lloyds £3560 / Tesco £972.50/ Dreams £259

    And don't forget the Student Loan! £10,765.93 (April 2017)
    • Treadingonplaymobil
    • By Treadingonplaymobil 23rd Jun 17, 8:05 AM
    • 860 Posts
    • 7,186 Thanks
    Treadingonplaymobil
    Week 19: Day 6

    Phew, nearly the weekend! It's been a long week. Still need to get through a conference call while managing DC3 too, which should be entertaining. I may crack out the chocolate buttons.

    Can't believe we're still a week from the end of the month, it's been going on forever! I always feel like I'm just marking time from about the 20th, ready to get onto the next month and the next chunk of debt payments. I need to start working out how much invoices are going to be this month - my business account is not looking healthy after all the spends on improving the front of the house, and I want to put my cushion back in place!

    to do today:
    1. Clear ironing, which has become a mountain.
    2. Phone national trust - no new cards have arrived, despite DD coming out a few weeks ago.
    3. social media for work, especially smaller business.
    4. Make naan breads.
    5. bake a cake to celebrate the end of the week, we all need it this week I think.
    6. Buy marshmallows - I am having a movie night with DC2 and 3 tonight while DH takes DC1 to the cinema.

    to do this week:
    1. Make picket fence. Finally finished painting, hurrah!
    2. Go through camping stuff and plan what we need for the summer's camping trips.
    3. Keep focusing on smaller business while main business is quiet. Going well.
    £67,031.92 is a frightening number indeed... The debt free diary of one family and their enormous debt
    LBM debt on 12th Feb 2017/DFD: £58,608.13/1st Dec 2026
    debt on 2nd Aug 17/DFD: ££55,243.13/1st April 2025
    • JoJoC
    • By JoJoC 23rd Jun 17, 9:17 AM
    • 1,149 Posts
    • 3,534 Thanks
    JoJoC
    We're having an expensive month too, so i feel your pain.

    Not sure what your standpoint is or how old your child is, but my four year old would be more than delighted with 30 minutes in front of CBeebies with an array of snacks on a plate! Pretty sure he wouldn't utter a word...or blink probably. My two year old, on the other hand, would only be occupied for about 3 minutes in front of the TV before losing interest and choosing the noisiest toy he can find. Good luck in getting through the conference call!
    CC1: 3,774.32/4,200 | CC2: 5,077/5,393 | Loan: 7,430/15,000
    Total: 16,292.57/20,032 Paid since Feb17: 3,739 or 18.66%

    Mummy of two boys - Working hard to make better financial choices!
    *My debt busting and savings diary*
    • Suffolk lass
    • By Suffolk lass 23rd Jun 17, 9:32 AM
    • 1,402 Posts
    • 16,431 Thanks
    Suffolk lass
    I share your pain re the end of the month TOPM. Five Fridays of main shopping plus 12 lovely friends for afternoon tea and dinner last weekend means my budget is shot to pieces this month. And I have just paid for the villa we are staying in, in August.

    Also, I will be getting all our camping gear out and checking gas bottles, ice packs and tents for mildew this weekend, prompted by your to-do list - I have already noted a birds nest in the top of the bag with the collapsible table in - this is because we stayed in a B&B last year, for this annual trip, because it was so close to our proper holiday departure and we were not confident of drying any wet stuff. It was lovely (upstairs in an Inn) but much more expensive and away from our friends. That will teach me to check our stuff properly!
    MFiT T4 #2 update 25.95% after Q5
    Save £12k in 2017 #64 - £5617.21/£5500 (51.64%/50%) after June - my annual target is £11,000
    OS Grocery Challenge 2017 budget of £3,600 £3000 (reduced from Apr) - 58.88/58.33% including stores after July
    My DFD is here
    • Treadingonplaymobil
    • By Treadingonplaymobil 23rd Jun 17, 10:49 AM
    • 860 Posts
    • 7,186 Thanks
    Treadingonplaymobil
    We're having an expensive month too, so i feel your pain.

    Not sure what your standpoint is or how old your child is, but my four year old would be more than delighted with 30 minutes in front of CBeebies with an array of snacks on a plate! Pretty sure he wouldn't utter a word...or blink probably. My two year old, on the other hand, would only be occupied for about 3 minutes in front of the TV before losing interest and choosing the noisiest toy he can find. Good luck in getting through the conference call!
    Originally posted by JoJoC
    I went for the gold standard parenting triple whammy of CBeebies, iPad and a big bag of chocolate buttons. I will probably be struck down by the parenting gods, but I did get forty whole minutes of total silence from her!
    £67,031.92 is a frightening number indeed... The debt free diary of one family and their enormous debt
    LBM debt on 12th Feb 2017/DFD: £58,608.13/1st Dec 2026
    debt on 2nd Aug 17/DFD: ££55,243.13/1st April 2025
    • Treadingonplaymobil
    • By Treadingonplaymobil 23rd Jun 17, 10:52 AM
    • 860 Posts
    • 7,186 Thanks
    Treadingonplaymobil
    I share your pain re the end of the month TOPM. Five Fridays of main shopping plus 12 lovely friends for afternoon tea and dinner last weekend means my budget is shot to pieces this month. And I have just paid for the villa we are staying in, in August.

    Also, I will be getting all our camping gear out and checking gas bottles, ice packs and tents for mildew this weekend, prompted by your to-do list - I have already noted a birds nest in the top of the bag with the collapsible table in - this is because we stayed in a B&B last year, for this annual trip, because it was so close to our proper holiday departure and we were not confident of drying any wet stuff. It was lovely (upstairs in an Inn) but much more expensive and away from our friends. That will teach me to check our stuff properly!
    Originally posted by Suffolk lass
    at birds nest! Drying out our tent is always a pain because it's a canvas bell tent (worth the pain though). So pleased we bought one with a zip off ground sheet, as we can pack it up separately if it's muddy, and we can dry them separately when wet. You have reminded me that we broke our big stove last year (it got run over. Don't ask). Not sure how long we can limp on with the teeny weeny single burner one.
    £67,031.92 is a frightening number indeed... The debt free diary of one family and their enormous debt
    LBM debt on 12th Feb 2017/DFD: £58,608.13/1st Dec 2026
    debt on 2nd Aug 17/DFD: ££55,243.13/1st April 2025
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