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    • kimplus8
    • By kimplus8 2nd Jun 16, 9:38 AM
    • 614Posts
    • 1,987Thanks
    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 27
    • louby40
    • By louby40 20th May 17, 2:17 PM
    • 1,083 Posts
    • 3,015 Thanks
    louby40
    I wondered how you were doing Kim, so glad to see you back and sounding very positive!

    Looking forward to hearing lots of updates
    Parent loan PAID IN FULL Sealed Pot Challenge 10 #572
    Emergency fund £100/£1000. Christmas savings £400/£600 Car maintenance £100/600
    Kitchen July £12,493 OCT £10,993. 12% paid off
    Barclaycard £389
    Car loan £3084 Mortgage £95,807
    TOTAL DEBT = £110,273
    • kimplus8
    • By kimplus8 23rd May 17, 11:44 AM
    • 614 Posts
    • 1,987 Thanks
    kimplus8
    so yesterday I sold my iPhone 6 and bought a £9.99 cheapy mobile.
    It does what it says on the tin and works so that's all I need right now, I also found a contract with the mins and text I need for £9 a month, and got my daughters contract bolted onto mine so £15 a month for both- not bad to pay £7 each.
    Ive cut the food budget right down and Im going to pop up my SOA asap.
    Just going to do my ironing and have a good clear out of all our stuff to see what is fit for the charity shop/to sell on ebay.
    The kids all have a saving account each now and we will pop into the building society each month to deposit their pocket money.
    Life is plodding along, not much else to report.
    Single Momma, Member of £1000 Emergency fund Club Check out my Debt Free Diary
    • Smodlet
    • By Smodlet 23rd May 17, 12:08 PM
    • 2,098 Posts
    • 4,628 Thanks
    Smodlet
    Hello Kim. I did not think your food budget could be cut any further, you are so ingenious with it but well done, you. Hope you have a good day and it sounds as if your children will grow up with more money sense than most, these days.
    What is this life if, sweet wordsmith, we have no time to take the pith?
    Every stew starts with the first onion.
    I took it upon myself to investigate a trifle; it had custard, jelly, soggy sponge things...
    • Chandelier.
    • By Chandelier. 23rd May 17, 3:57 PM
    • 492 Posts
    • 1,340 Thanks
    Chandelier.
    HI Kim.

    Just wanted to pop on and say how wonderful to see that you're back and it's great you've finally found a cocktail of meds that work for you're bipolar. How long have you been diagnosed? I've recently (6 months ago) been diagnosed so we are still figuring out my medication combination and I can't wait for the day that we get it right.

    I used to follow your diary under a previous name but don't think I ever commented. I was much more of a lurker back then and only now am I posting much more.

    I hope everything continues going well for you and that the budgeting works out well for a family of eight kids plus you. Definitely a super mum!
    • kimplus8
    • By kimplus8 24th May 17, 5:15 PM
    • 614 Posts
    • 1,987 Thanks
    kimplus8
    Just popped up a revised SOA.
    had my interview with the OR today, it went really well and Im allowed to keep my car for the kids and the rest of my SOA was approved.
    Im feeling a bit low today, probably because all the adrenalin of the bankruptcy has died down and all that worry that was keeping me going has deflated.
    The kids had a trip to the beach today with the school and their teachers commented on what a pleasure they are to teach and said how well mannered and polite they are.
    My daughter has come home thoroughly shattered but the boys are super wired so have popped into the garden to let off steam.
    Bangers and mash with broccoli for tea- I have a weightwatchers meal as I need to trim off my fat @rse!
    Single Momma, Member of £1000 Emergency fund Club Check out my Debt Free Diary
    • Smodlet
    • By Smodlet 24th May 17, 5:52 PM
    • 2,098 Posts
    • 4,628 Thanks
    Smodlet
    That is so brilliant, Kim, I'm glad your sprogs had a good time. You have always said how well-behaved they are and that is all down to you. If their teachers agree, that says it all, does it not? Supermum, indeed.

    Sorry you are feeling a bit "flat" but please make sure you eat properly; I am sure your @rse is fine! You need your energy and your health, don't forget.

    Laters, lady.

    Smod xxx
    What is this life if, sweet wordsmith, we have no time to take the pith?
    Every stew starts with the first onion.
    I took it upon myself to investigate a trifle; it had custard, jelly, soggy sponge things...
    • kimplus8
    • By kimplus8 1st Jun 17, 8:14 PM
    • 614 Posts
    • 1,987 Thanks
    kimplus8
    hi yall,
    milaaaaaa, come back to us, we miss you xxx
    I have had a pretty tiring week what with selling stuff and the kids being off school. My little lad turns 9 tomorrow. I cant believe that he is 9, I mean 9!!!!!
    in other new I just found out that my food budget thread was put in martins weekly emails :-) http://forums.moneysavingexpert.com/showthread.php?t=5651867&_ga=2.20116856.1913908154 .1496344034-293939457.1496323438
    Im super chuffed.
    I hope that some of my threads can help other people. I mean, that's what this is all about right??
    im just having a nice cuppa and then having a small bible study with my neighbour, which I love doing as I rarely get me time to just sit and look over the scripture.
    I hope everyone is having a good half term xxx
    k+8
    Single Momma, Member of £1000 Emergency fund Club Check out my Debt Free Diary
    • Honeysucklelou2
    • By Honeysucklelou2 1st Jun 17, 11:21 PM
    • 385 Posts
    • 1,161 Thanks
    Honeysucklelou2
    Well done on your thread being included in the weekly email. It is interesting how you worked out the £10 per child and £20 per adult. I hadn't thought about groceries as a cost per head but given me food for thought if you pardon the pun.

    I'm a single mum of 8 too but my older ones are teenagers. The boys always seem hungry, so cereal disappears quickly as does fruit. I do try to make a concerted effort to bake particularly during the school holidays in a bid to keep everyone happy and full! It is still a struggle to keep to £100 a week.
    paydbx #90 £325/£10,000.
    365 day penny challenge £37.66/£667.95
    Loan £17k - paid off in Aug 2017. Home improvement loans £3342 March 2017
    • kimplus8
    • By kimplus8 3rd Jun 17, 2:13 AM
    • 614 Posts
    • 1,987 Thanks
    kimplus8
    Well done on your thread being included in the weekly email. It is interesting how you worked out the £10 per child and £20 per adult. I hadn't thought about groceries as a cost per head but given me food for thought if you pardon the pun.

    I'm a single mum of 8 too but my older ones are teenagers. The boys always seem hungry, so cereal disappears quickly as does fruit. I do try to make a concerted effort to bake particularly during the school holidays in a bid to keep everyone happy and full! It is still a struggle to keep to £100 a week.
    Originally posted by Honeysucklelou2
    THIS!
    my boys are like seagulls, they would sink a box of cereal between the 2 of them at breakfast easily.
    We have fridge oats for breakfast now to keep them fuller.
    I just use value oats top with milk in bowls and leave in the fridge to soak overnight and then top with some honey/fruit/jam/yoghurt/seeds/nuts/peanut butter/whatever you have in the cupboards.
    so much more filling than cereal and cheap.
    Single Momma, Member of £1000 Emergency fund Club Check out my Debt Free Diary
    • Honeysucklelou2
    • By Honeysucklelou2 3rd Jun 17, 2:45 AM
    • 385 Posts
    • 1,161 Thanks
    Honeysucklelou2
    That is a good idea...a couple of mine will eat porridge with me in the morning which I always find filling, so I guess the same principle only cold...must try it.

    Had to smile at seagulls...often refer to the teenagers as the gannets!
    paydbx #90 £325/£10,000.
    365 day penny challenge £37.66/£667.95
    Loan £17k - paid off in Aug 2017. Home improvement loans £3342 March 2017
    • kimplus8
    • By kimplus8 3rd Jun 17, 8:48 AM
    • 614 Posts
    • 1,987 Thanks
    kimplus8
    its really tasty once you get past the -'porridge should be hot'.
    Single Momma, Member of £1000 Emergency fund Club Check out my Debt Free Diary
    • comeandgo
    • By comeandgo 3rd Jun 17, 9:10 AM
    • 1,809 Posts
    • 2,406 Thanks
    comeandgo
    I use apple juice in my overnight oats, takes away the porridge feeling, then add grated apple and honey and yoghurt.
    • Spendless
    • By Spendless 3rd Jun 17, 6:00 PM
    • 19,521 Posts
    • 31,536 Thanks
    Spendless
    I'd not heard of fridge oats before, so I googled and liked the idea. Then I went to the supermarket and as my fav brand of porridge was on offer and I hadn't got any, bought some and was quite excited when I saw there was an offer for one of the free glass jars to put fridge oats in. It wasn't until I got home that I discovered this 'free' offer needs £2 postage. I might send for it for my teenage DD's stocking as she likes anything she can take a photo of and put it on social media as being pretty!
    • Smodlet
    • By Smodlet 4th Jun 17, 9:02 AM
    • 2,098 Posts
    • 4,628 Thanks
    Smodlet
    What's wrong with an empty coffee jar, Spendless?
    What is this life if, sweet wordsmith, we have no time to take the pith?
    Every stew starts with the first onion.
    I took it upon myself to investigate a trifle; it had custard, jelly, soggy sponge things...
    • kimplus8
    • By kimplus8 12th Jun 17, 12:03 AM
    • 614 Posts
    • 1,987 Thanks
    kimplus8
    What's wrong with an empty coffee jar, Spendless?
    Originally posted by Smodlet

    i use old jamjars for ours, works really well.
    Single Momma, Member of £1000 Emergency fund Club Check out my Debt Free Diary
    • Spendless
    • By Spendless 12th Jun 17, 11:45 PM
    • 19,521 Posts
    • 31,536 Thanks
    Spendless
    What's wrong with an empty coffee jar, Spendless?
    Originally posted by Smodlet
    I buy enormous Nescafe jars, wrong size and shape.
    • kimplus8
    • By kimplus8 30th Jul 17, 11:46 AM
    • 614 Posts
    • 1,987 Thanks
    kimplus8
    this last few weeks has been crazy, ive hardly had time to think let along post on here, lol. Ive got loads up on ebay and on FB selling pages to make some money and ive been doing loads of surveys etc to earn some amazon vouchers for christmas. im so happy its the summer holidays, it means NO early morning and lots of trips to the park and beach right where we live, i feel so fortunate to live where i do, im just a stones throw away from the moors, beaches, beautiful national trust parks and some fantastic free outings.
    i thanks god that he always provides for us. xx
    Single Momma, Member of £1000 Emergency fund Club Check out my Debt Free Diary
    • enthusiasticsaver
    • By enthusiasticsaver 2nd Aug 17, 10:24 AM
    • 4,267 Posts
    • 7,725 Thanks
    enthusiasticsaver
    Nice to hear from you Kim and good you managing to rake in money from eBay/surveys. I live near the beaches and moors too so we took my 21month old granddaughter to the beach last week on a sunny day. It took me back to when our two were tiny.

    Weather dreadful in south west today so hope it is better where you are.
    Countdown to early retirement on 21.12.17 3 months to go.
    • kimplus8
    • By kimplus8 8th Aug 17, 1:51 PM
    • 614 Posts
    • 1,987 Thanks
    kimplus8
    we were camping last weekend, really wild too as just a toilet and no other amenities. The kids looked like they had been up a mine shaft when we got home lol, but after 34 ish days of beach, muddy streams and the moors they were thoroughly shattered, but blissfully so.
    Im just weaning the baby now too so im getting much more sleep now hes not feeding through the night and i always sleep better on a floor than a bed anyways so the camping did my posture and sleep the world of good.
    got loads of ebay orders to process and a mammoth of ironing to do for a gent i know that pays me now to iron some shirts.
    its little bits here and there but it all adds up in the christmas pot and the school uniform pot.
    We had beans on toast three times this week to ue up whats in the cupboard, i think the kids would happily never see a bean again lol
    Im making a slow cooker surprise for tea tonight (basicly anything i have that can be thrown together and mildly resemble a meal).
    Ive cleaned my entire house, caught up on washing and its only 1 pm, celebrate all the little things and all that.
    yours happily
    kim and the clan xx
    Single Momma, Member of £1000 Emergency fund Club Check out my Debt Free Diary
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