Mandz road to financial freedom,happiness and weightloss

mandz1 · 9 September 2016 at 9:21AM

Last day at school before the weekend. Don't know what we are doing yet but I'm not staying in all weekend, going to try and get the kids out.

My dd birthday is next month and I am trying to figure out what to buy her. She doesn't really need any clothes, got plenty of the next size up, she's got toys and she's only going to be 1 so doesn't really need anything. If anyone actually reads this and has any ideas, please let me know.

Payments made yesterday to very and cc. Small payment today to another cc. The debt that sent me a letter saying I may have overpaid has credited my bank with just over £20 so I have sent that straight over to savings, but I am waiting for a letter off them to see what's happening.

Today's plan, not much. Got my niece this morning, going to drop her off at my mums in a bit and wait for her delivery to come, then nothing after.

mandz1 · 12 September 2016 at 1:36PM

What is my problem? I just can't seem to stop eating bloody junk food. Start the day off well then go down hill more and more as the day goes on. Destined to be fat forever.

Good news still chipping away at debts and Christmas savings, still trying to find something for my dd birthday, it's so difficult.

Going to take my old phone to someone later see him they can fix it, screen doesn't swipe properly. Hopefully cheap fix and I can sell it. Was going to sell my old Fitbit to my mum but her phone won't let her dowload the app cos she can't update it ios8

mandz1 · 15 September 2016 at 9:42PM

So i have just booked a holiday for me and the kids for next year. only 3 nights in the uk, but it better than nothing. will be beginning of june and was quite cheap (I think anyway). I have been looking at holidays abroad but they are very expensive and I would also need to get all 3 kids a passport. paid deposit on cc and will pay that off next week. remainder not due till march.

savings I have been putting in away from not smoking will help me pay for this and spending money, plus birthdays, Christmas etc etc

the cc I paid off has now been cancelled, rang them today to say I wouldn't be using it anymore so I wanted to cancel.

tax credits in tomorrow, meeting up with a friend for lunch and need to get a few bits for our day trip on Saturday, just need drinks and a bit of food so we don't spend a lot when we get there. the day out is free. got a free return pass when I took kids in summer hols for any weekend day in September.

pondering what to pay tomorrow, may pay off rest of Christmas savings and pay a bit to bank of mum as I still owe her for something on her arrgos card.

downloaded nhs diet kit and been library to print off the weekly planner it comes with. hoping it will help me stick to calories and weight will fall off

mandz1 · 19 September 2016 at 5:52PM

I've just transferred some money from the savings account to the bank, because one, I'm skint and 2, I wanted to make a bigger payment to the cc as it seems silly to be paying interest on the cc when I have money in savings, earning nothing. So paid £40.88 off, plus £1 I paid this morning. Will get the rest paid off by end of month.

Not much to report just plodding along. Although I did restart diet again today, so far so good.

mandz1 · 21 September 2016 at 11:47AM

I have just paid off another credit card which I am going to cancel and then I will just have the one left for emergencies and unavoidables.

Also paid the remaining balance off my park Christmas savings. Can't wait now till I can get the vouchers and go and get all the presents sorted.

Diet is still going pretty well. Not given in to anything bad yet, just trying to stick to calories and not eat anything too fatty.

mandz1 · 24 September 2016 at 9:05PM

been for a walk round a local country park today with the kiddies. done lots of steps walking round the lake and then on the park for a bit. so no spends there, except petrol which was already in the car. then lunch out and I had to nip to b and m to get a new blanket for the cat, as she keeps sleeping in dd buggy or my laundry basket. also brought some chocolate and biscuits, I know naughty mandz.

Then back home to do some cleaning and dinner. not done much off the jobs list I wrote out, but theres always tomorrow I suppose. May stay in tomorrow and get the house sorted and cleaned again.

1 week left of September. got 2 direct debits still due out totalling £40. October budget already started but not finished. 1st of month (or 3rd cos of way it falls) 3 direct debits due out totalling roughly £107. things will be tight at the beginning of next month, but determined not to use the cc as I have cleared 2 this month and I don't want to keep relying on them for everyday items.

off to watch 8 out of 10 cats does countdown now, no sh**ty x factor in this house

mandz1 · 29 September 2016 at 9:41AM

Oh dear, I have no money but I am still spending. Had to borrow £20 off my mum the other day as I found a replacement headlight and aerial for my car at the breakers yard. Fitted aerial myself and my sisters fella helped do the headlight yesterday. Just need to find a bumper now or something to cover up the damage on the one I already have.

Credit card, yesterday I spent £20 on petrol, £10 in Asda including new jacket for dd. Then this morning went on vax sale website as my vacuum plug is dodgy, so spent £45 on new Hoover plus £5 delivery(saving of £75) so next month will be even tighter than it already was going to be because I have to pay back all the stuff I brought.

Waiting in today for my delivery of my vouchers from park, then I can properly sort out how much extra I need for Xmas.

Tomorrow I get tax cred, but that is mostly allocated to 1st of October direct debits.

mandz1 · 6 October 2016 at 10:21PM

My new Hoover came today, I love it so powerful and cleaned my rug great. Tomorrow I'm doing upstairs, can't wait to actually have the floors properly cleaned.

Tomorrow I'm hoping for a low or no spend day, going to try and declutter and clean the house. Seems like that's all I do atm

Payments have still been being made even with limited money. Got to save some money for a local annual fair near the end of the month. Already have everything for Halloween, not bothered about doing bonfire night, may just get a few sparklers for kids to do in the garden.

Christmas shopping is going well, just waiting on my nephew and mum to decide what they want.

Dd birthday in a few weeks but that is all sorted only need to get birthday cake and candle.

Poppy3008 · 7 October 2016 at 9:14AM

Nothing like a new hoover! I could not believe the difference when I got mine. Cant say it makes me hoover any more but its nice when I do!
Looks like you are getting on top of those debts and Christmas!

mandz1 · 9 October 2016 at 9:45PM

Hey poppy thanks for popping in and reading my waffle.

Christmas is nearly done, just waiting on 2 people that don't know what they want, which annoys me as I have been asking since beginning of September and I just want it all done ASAP. Ordered a few bits for my boys, so they will be delivered at some point.

Dd birthday is all sorted apart from cake, thinking of getting one of those cookie cakes from mr m as I know that will get eaten and a full size birthday cake might not.

I have had really bad stomachache all weekend, don't know what it is. May have to ring doctors in the morning and get an appointment. Very cautious about anything gastro now as my son was in hospital last year for 5weeks and now I am extremely careful with anything more than a cold.

Going to nip to lidl tomorrow and get some salads and stuff, need to eat healthier, maybe this is why my stomach hurts, all this crap I've been eating is ripping my insides to pieces. Seriously considering joining slimming world just so I can't make up daft excuses for myself.

Mandz road to financial freedom,happiness and weightloss

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