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  • FIRST POST
    • kerron7
    • By kerron7 29th Aug 16, 10:21 AM
    • 207Posts
    • 371Thanks
    kerron7
    Starting again #3 + 2 more mouths to feed
    • #1
    • 29th Aug 16, 10:21 AM
    Starting again #3 + 2 more mouths to feed 29th Aug 16 at 10:21 AM
    So here I am again 3rd time round!!

    Things have changed a little since my last LBM, I now have another 2 beautiful babies oh and I got engaged!

    That's makes me a working Mummy of 6 and Fianc!e of 1!

    Debt has increased since last time quite a bit, need to sit down and total it up. This includes store cards, a car loan to replace my old car that wasn't worth fixing, a loan to pay off cards which I then spent on again and credit cards

    Not going to keep beating myself up about the fact I should now be debt free but I really do now need to start making headway in paying it off.

    There are so many things i would love to save for and do which I just can't afford whilst I am paying this debt namely getting married, having a family holiday abroad and saving for our own home.

    I need to find a bit of time to work out a realistic budget and savings plan. Will try and do this a little later.

    But for now ....

    Today's to do list:-

    Make up lunch and tea from cupboard/freezer
    Washing
    Drying on line (finish towels in dryer)
    Order food shopping for delivery tomorrow
    General tidy of house
    Go for a walk with the children

    For now I think that's all, will be back later to update!!

    Need to keep on top of this diary, if only to organise and remind myself!!!
    25.02.17 - £20,810.73
    03.06.17 - £19,222.94

    Emergency Fund - £1/£500
Page 2
    • kerron7
    • By kerron7 26th Feb 17, 9:31 AM
    • 207 Posts
    • 371 Thanks
    kerron7
    Good morning, bright and breezy here! A great day to hang the washing outside.

    To do today

    A few loads of washing
    Dry said washing
    General tidy
    Cook from fridge
    Make sure uniforms are all sorted for school
    Clean school shoes
    Double check budget

    Off to make a drink and read some diaries first
    25.02.17 - £20,810.73
    03.06.17 - £19,222.94

    Emergency Fund - £1/£500
    • kerron7
    • By kerron7 26th Feb 17, 6:26 PM
    • 207 Posts
    • 371 Thanks
    kerron7
    I have put in 2 loads of washing, one is currently drying. No chance to line dry as it has been raining most of the afternoon.

    I did do some tidying but i'm currently sat looking at the living room floor which has the whole contents of the toy box on it thanks to DS3!

    School shoes have been cleaned, and have noticed that both DS1 and 2 need new shoes! Hoping they can last until payday next mth.

    Checked budget all looks on track, paid £130 towards a v@ry BNPL as this is due beginning of April, will pay the rest March payday.

    Really tired and lacking motivation this afternoon, still need to sort uniforms, house and get a bath before Homeland at 9.

    Better get on with it
    25.02.17 - £20,810.73
    03.06.17 - £19,222.94

    Emergency Fund - £1/£500
    • Honeysucklelou2
    • By Honeysucklelou2 26th Feb 17, 9:47 PM
    • 186 Posts
    • 495 Thanks
    Honeysucklelou2
    Just read your diary through. I empathise with the food budget. I have a large family and do struggle to keep it under £400 a month.
    paydbx #90 £275/£10,000.
    365 day penny challenge £37.66/£667.95
    Loan £17k in 2012- £570 in June 2017. Home improvement loans £3342 March 2017
    • kerron7
    • By kerron7 26th Feb 17, 10:02 PM
    • 207 Posts
    • 371 Thanks
    kerron7
    I've actually just looked on my bank money planner and in the last 4 weeks I've spent £700!! That's horrendous!

    This is the first month in a while that I have properly budgeted, I'm writing every spend down.

    I'm going to try really hard to stick to budget this month, fingers crossed
    25.02.17 - £20,810.73
    03.06.17 - £19,222.94

    Emergency Fund - £1/£500
    • Bobarella
    • By Bobarella 26th Feb 17, 10:28 PM
    • 10,623 Posts
    • 68,502 Thanks
    Bobarella
    Good luck with your food budget for March.
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £54.82 2016-£62.28 2015- £84.20)
    RYSAW17 £1855 2016 £2,535.16 2015 £1027.20
    • kerron7
    • By kerron7 26th Feb 17, 10:52 PM
    • 207 Posts
    • 371 Thanks
    kerron7
    Good luck with your food budget for March.
    Originally posted by Bobarella
    Thank you, think I need to start shopping at A@di again!
    25.02.17 - £20,810.73
    03.06.17 - £19,222.94

    Emergency Fund - £1/£500
    • Honeysucklelou2
    • By Honeysucklelou2 26th Feb 17, 11:11 PM
    • 186 Posts
    • 495 Thanks
    Honeysucklelou2
    I think that school holidays can be more expensive food wise as the children are at home more and mine certainly have a tendency to graze.

    I did find a brilliant veggie burger recipe that was incredibly filling. The children were so full they didn't have space to graze on anything else.

    Looking forward to having an Aldi near us soon.
    paydbx #90 £275/£10,000.
    365 day penny challenge £37.66/£667.95
    Loan £17k in 2012- £570 in June 2017. Home improvement loans £3342 March 2017
    • kerron7
    • By kerron7 26th Feb 17, 11:28 PM
    • 207 Posts
    • 371 Thanks
    kerron7
    I think that school holidays can be more expensive food wise as the children are at home more and mine certainly have a tendency to graze.

    I did find a brilliant veggie burger recipe that was incredibly filling. The children were so full they didn't have space to graze on anything else.

    Looking forward to having an Aldi near us soon.
    Originally posted by Honeysucklelou2
    Yes very true, and so do I unfortunately .

    When I was on maternity leave I was a lot more organised, being back at work I don't seem to get the time to go shopping and get it delivered.
    25.02.17 - £20,810.73
    03.06.17 - £19,222.94

    Emergency Fund - £1/£500
    • kerron7
    • By kerron7 27th Feb 17, 8:17 PM
    • 207 Posts
    • 371 Thanks
    kerron7
    Back to work for me today, went quite quick have a bit of a headache this evening though!

    Went to As@a, brought a few needed things along with some I didn't need!! I did buy a high back booster which was reduced to £20 and £4 on DD2 school trousers which were needed after putting a hole in her other ones after about 2 weeks!

    Going to take some tablets and try to relax this evening
    25.02.17 - £20,810.73
    03.06.17 - £19,222.94

    Emergency Fund - £1/£500
    • kerron7
    • By kerron7 2nd Mar 17, 7:48 PM
    • 207 Posts
    • 371 Thanks
    kerron7
    Really struggling with my £400 grocery budget, 3 weeks till pay day and about £100 left in the budget! I'm going to try take a little from the fuel budget as I don't seem to be using much at the moment, next month I'm going to have to try and up this budget.

    Everything else seems to be on track budget wise.
    25.02.17 - £20,810.73
    03.06.17 - £19,222.94

    Emergency Fund - £1/£500
    • kerron7
    • By kerron7 3rd Mar 17, 7:29 PM
    • 207 Posts
    • 371 Thanks
    kerron7
    Absolutely shattered tonight, can't wait till bed time!

    Nipped into Al@i while DS1 was at football training, think I could save around £10 per week if I did one of my weekly shops there.
    25.02.17 - £20,810.73
    03.06.17 - £19,222.94

    Emergency Fund - £1/£500
    • Bobarella
    • By Bobarella 3rd Mar 17, 10:53 PM
    • 10,623 Posts
    • 68,502 Thanks
    Bobarella
    With the food budget, are you doing all the usual frugal things, batch cooking, meat free days, Ys shopping if you can? You could try posting up all the food you still have in and everyone could suggest low cost meals for you?
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £54.82 2016-£62.28 2015- £84.20)
    RYSAW17 £1855 2016 £2,535.16 2015 £1027.20
    • kerron7
    • By kerron7 5th Mar 17, 9:36 AM
    • 207 Posts
    • 371 Thanks
    kerron7
    With the food budget, are you doing all the usual frugal things, batch cooking, meat free days, Ys shopping if you can? You could try posting up all the food you still have in and everyone could suggest low cost meals for you?
    Originally posted by Bobarella
    I do yes, I have brought a few things in bulk this payday though toilet roll, wipes, cat food etc
    25.02.17 - £20,810.73
    03.06.17 - £19,222.94

    Emergency Fund - £1/£500
    • kerron7
    • By kerron7 5th Mar 17, 9:46 AM
    • 207 Posts
    • 371 Thanks
    kerron7
    Today's to do list

    Cook roast
    Wash/dry clothes
    Clean/tidy
    Hear DS2 & DD2 read
    Make sure homework is done
    May do some baking

    Meal plan

    Sun - Roast
    Mon - spaghetti bolognese
    Tue - bits and pieces from anywhere
    Wed - chilli

    Then I need to do some shopping
    25.02.17 - £20,810.73
    03.06.17 - £19,222.94

    Emergency Fund - £1/£500
    • Honeysucklelou2
    • By Honeysucklelou2 7th Mar 17, 5:39 AM
    • 186 Posts
    • 495 Thanks
    Honeysucklelou2
    I do have a "something on toast" meal usually on a Friday. Most of the children will opt for beans or eggs, so warming and filling but simple. Find by Friday I'm so tired, I need something simple!

    Do you find there are foods that run out quickly? I find that milk and fruit are the foods that seem to disappear overnight. I have taken to hiding a pack of apples in another cupboard so
    I have always got enough for packed lunch boxes and so that they don't eat everything!
    paydbx #90 £275/£10,000.
    365 day penny challenge £37.66/£667.95
    Loan £17k in 2012- £570 in June 2017. Home improvement loans £3342 March 2017
    • kerron7
    • By kerron7 7th Mar 17, 8:15 PM
    • 207 Posts
    • 371 Thanks
    kerron7
    We have one of those at least once a week, usually on a Thursday when DP has football.

    Oh yes definitely, DS3 and DD3 both have at least 3 pieces a day each and the other 4 have fruit for school and when they come home. We go through a lot of cereal too.

    I have a secret cupboard for my goodies.....but DP seems to eat them before I get to them
    25.02.17 - £20,810.73
    03.06.17 - £19,222.94

    Emergency Fund - £1/£500
    • kerron7
    • By kerron7 7th Mar 17, 8:24 PM
    • 207 Posts
    • 371 Thanks
    kerron7
    Had a bit of an unexpected expense, DS1 has decided he now wants to go on a sports tour to France he said he didn't want to go on . So £100 deposit with another £620 to find. I feel I can't say no as DD1 has been to Spain and Germany with school.

    Need to rearrange budget and try and last till payday without using the cc but I think I might be struggling not too this month.

    Have brought a large piece of Gammon, 1.9kg of chicken fillets and a punnet of strawberries for £15 today.

    Going to make a hot drink and relax for the rest of the evening.
    25.02.17 - £20,810.73
    03.06.17 - £19,222.94

    Emergency Fund - £1/£500
    • Bobarella
    • By Bobarella 7th Mar 17, 10:56 PM
    • 10,623 Posts
    • 68,502 Thanks
    Bobarella
    When do you have to pay the balance by?
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £54.82 2016-£62.28 2015- £84.20)
    RYSAW17 £1855 2016 £2,535.16 2015 £1027.20
    • kerron7
    • By kerron7 8th Mar 17, 7:29 AM
    • 207 Posts
    • 371 Thanks
    kerron7
    When do you have to pay the balance by?
    Originally posted by Bobarella
    I'm not sure yet I'm waiting for the payment plan, the trip is not till next April though.
    25.02.17 - £20,810.73
    03.06.17 - £19,222.94

    Emergency Fund - £1/£500
    • kerron7
    • By kerron7 16th Mar 17, 8:29 PM
    • 207 Posts
    • 371 Thanks
    kerron7
    Need to find time to post daily!

    Not much on the debt front will update on 25th of each month.

    Have taken a few trips to Al@i, found quite a few bits cheaper than I usually get them. So will make this a regular shop I think
    25.02.17 - £20,810.73
    03.06.17 - £19,222.94

    Emergency Fund - £1/£500
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