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  • FIRST POST
    • crunch_time
    • By crunch_time 23rd Oct 16, 8:22 PM
    • 973Posts
    • 2,473Thanks
    crunch_time
    Learning to budget to make future adventures happen
    • #1
    • 23rd Oct 16, 8:22 PM
    Learning to budget to make future adventures happen 23rd Oct 16 at 8:22 PM
    Evening everyone!

    I've decided its time for a new diary after sort of losing steam with my old one.

    In September 2013 our debt peaked at £29k. With some luck, a vague budget, changing priorities (kids), and some significant salary increases we have now got it down to circa £13-14k.

    I have learned lots during the process but the thing that I feel is holding us back is our inability to stick to a budget (or, more accurately, create a realistic budget).

    So basically the grand plan is to smash this 'debt hangover' as the hubs and I call I, as soon as possible so we can start using the money we currently use to pay it off for the adventures we have been planning pretty much all our adult lives. And also the things we should be doing at our age to be financially savvy like overpay the mortgage, contribute more into pension pots etc etc.

    I love the support from the wonderful people on this forum and look forward to sharing this adventure with you all!

    More info to follow!

    Crunchy
    LBM June 2014. Original debt £23,555 vs Now £0 Paid off in April 2017. Since then lost my way a bit and then decided to move house and start a new course...
    NEW LBM: 16/9/17 NEW DEBT: £7232 Now: £6951 Paid off £281
    Dog/New House savings £700 Long term savings (finally) £1140
Page 20
    • crunch_time
    • By crunch_time 15th Aug 17, 2:31 PM
    • 973 Posts
    • 2,473 Thanks
    crunch_time
    Afternoon all

    Feeling pretty carp now as I've just blown up the washing machine. Husband is on his way from home to have a look but it blew a fuse as the electrics went off. We need to buy one for the new house anyway and can always take it off the list of what is excluded in the selling of this house.

    I was very interested in my reaction. I immediately went to the shop and bought myself crisps and cake to eat to feel better and then mentally beat myself up for making such a foolish mistake (I've overloaded it) and that 'we will never get out of debt now' and 'people will realise how rubbish I really am with money and that I am such a fraud.'

    Such catastrophic thinking for something that really is a small non-event.

    I've been struggling recently will my self worth as it appears to be tied up with how much I can get done rather than who I am and what I like. My mum is a real list maker and really prides herself on what she has achieved each day and I fear I am taking after her. I don't want to be like this and mostly I am not - well to the outside world anyway. The reality is at home, I have lost my sense of fun and replaced it with a panicky sense of perfectionism which isn't doing my health any good as I am restless, stressed and not looking after myself. Every day I wake up and think 'today will be different - I will achieve stuff' and when I don't manage to meet my own unrealistic expectations I get frustrated with myself and take it out on my husband and my kids.

    I live in fear of feeling lazy and not meeting my potential and it is having a detrimental effect on my happiness.

    I'm going to try really hard to live in the moment and find the old fun me again and stop living by my to do list and how much of it gets done.

    Crunchy xx
    LBM June 2014. Original debt £23,555 vs Now £0 Paid off in April 2017. Since then lost my way a bit and then decided to move house and start a new course...
    NEW LBM: 16/9/17 NEW DEBT: £7232 Now: £6951 Paid off £281
    Dog/New House savings £700 Long term savings (finally) £1140
    • abba1772
    • By abba1772 15th Aug 17, 10:07 PM
    • 3,745 Posts
    • 10,621 Thanks
    abba1772
    I'm a list maker too.......not recently tho and I've found it getting on top of me and I'm getting so upset

    Being a working mum is a huge responsibility as well as being a wife and housekeeper and banker so perhaps your mum is on to something.......my gran always says it's better to write something down so it's not filling your headspace xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £5604.60
    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90
    POAMAYC 2017 £4116.66 / £6000
    • enthusiasticsaver
    • By enthusiasticsaver 16th Aug 17, 8:32 AM
    • 4,234 Posts
    • 7,626 Thanks
    enthusiasticsaver
    I don't bother with daily to do lists. I have a monthly one and pick the most important one thing off the list daily. Much easier to focus on and not get disheartened if half the things on the list are not ticked off. Also i went on a time management course for work years ago and they said you should never have more than 20 things on your to do list as it takes too much time deciding what to do first.
    Countdown to early retirement on 21.12.17 3 months to go.
    • crunch_time
    • By crunch_time 26th Aug 17, 8:55 PM
    • 973 Posts
    • 2,473 Thanks
    crunch_time
    Fresh start!!
    Evening all!

    I'm back from holiday! We had a lovely time and now its back to reality. I can't believe we will be back to school soon. One more week left. For me summer is over now we are back and I have two days at school next week to get ready for the new term so I'm getting back into work mode.

    The washing machines motor has gone (we had a man out to look costing £48) who quoted £300 to get a new one to which we declined of course - its just not worth it for something we would leave as its built in. We have to buy a new one for the new house so we will have to buy a new one sooner than expected. Husband should order one tonight and of course it will have to go on credit card for now.

    For me being a teacher and all, September stands for fresh starts so I hereby draw a line under the period between April and now when I went a little crazy and turn over a new leaf starting from now. With fresh starts comes an honest account of the status quo so I have just gone through our accounts and statements and everything is ready for a five week month. I have looked at our 3 credit cards and fully itemised and then categorised them into the following.....


    Fuel overspends £182.32
    Clothes £193.00 (this has come down a lot over the last 2 months)
    Spending Money £340.55 (from the 'crazy period'
    House Move £500.00 (mortgage valuation)
    Food overspends £324.56 (kicking myself about this.
    Holidays £1,327.10 (includes overspends and bookings that I haven't paid off yet - grrr - again - kicking myself)
    Stuff £446.00 (husbands ear phone and a magazine annual sub)
    Furniture £650.00 (chairs and table and dresser)
    Other Crap £1,582.00 - The hangover from last summer

    Total £5,545.53

    I need £800 cash to pay for the dog in November and £250 cash to pay for the mortgage consultant. My first challenge is to save this then I can start paying stuff off. I'm still paying things like clothes and furniture off with our monthly categories.

    I have £300 saved for DD's nursery bill due to me on Friday. Hopefully it wont be any more than that. I also have to pay the deposit to the people this week who will move our office shed and put down a slab for it. Cost is £1k but deposit is £300.

    I should say that a lot of these moving costs will come out of equity - we just don't obviously have it yet so things will get a bit expensive but then should get better.

    My aim this week then is to try not to spend a single penny - apart from food budget.

    Now to catch up with diaries with a cup of tea before bed.

    Crunchy
    LBM June 2014. Original debt £23,555 vs Now £0 Paid off in April 2017. Since then lost my way a bit and then decided to move house and start a new course...
    NEW LBM: 16/9/17 NEW DEBT: £7232 Now: £6951 Paid off £281
    Dog/New House savings £700 Long term savings (finally) £1140
    • crunch_time
    • By crunch_time 27th Aug 17, 8:54 PM
    • 973 Posts
    • 2,473 Thanks
    crunch_time
    Afternoon all

    Feeling pretty carp now as I've just blown up the washing machine. Husband is on his way from home to have a look but it blew a fuse as the electrics went off. We need to buy one for the new house anyway and can always take it off the list of what is excluded in the selling of this house.

    I was very interested in my reaction. I immediately went to the shop and bought myself crisps and cake to eat to feel better and then mentally beat myself up for making such a foolish mistake (I've overloaded it) and that 'we will never get out of debt now' and 'people will realise how rubbish I really am with money and that I am such a fraud.'

    Such catastrophic thinking for something that really is a small non-event.

    I've been struggling recently will my self worth as it appears to be tied up with how much I can get done rather than who I am and what I like. My mum is a real list maker and really prides herself on what she has achieved each day and I fear I am taking after her. I don't want to be like this and mostly I am not - well to the outside world anyway. The reality is at home, I have lost my sense of fun and replaced it with a panicky sense of perfectionism which isn't doing my health any good as I am restless, stressed and not looking after myself. Every day I wake up and think 'today will be different - I will achieve stuff' and when I don't manage to meet my own unrealistic expectations I get frustrated with myself and take it out on my husband and my kids.

    I live in fear of feeling lazy and not meeting my potential and it is having a detrimental effect on my happiness.

    I'm going to try really hard to live in the moment and find the old fun me again and stop living by my to do list and how much of it gets done.

    Crunchy xx
    Originally posted by crunch_time
    Evening all

    I looked back at this post from before my holiday and can't believe how low I felt. Our holiday has done me so much good. I don't feel guilty about things that are out of my control as I did a few weeks ago. Considering we will be moving house, getting a puppy and starting a new business in the next 6 months i feel surprisingly calm. As long as I do my best everyday and don't over think things all we be fine. That will be my new mantra.

    Crunchy xx
    LBM June 2014. Original debt £23,555 vs Now £0 Paid off in April 2017. Since then lost my way a bit and then decided to move house and start a new course...
    NEW LBM: 16/9/17 NEW DEBT: £7232 Now: £6951 Paid off £281
    Dog/New House savings £700 Long term savings (finally) £1140
    • crunch_time
    • By crunch_time 29th Aug 17, 7:17 AM
    • 973 Posts
    • 2,473 Thanks
    crunch_time
    Morning diary,

    Husbands min payment came out for his 0% card - £100 - so the table and chairs now stand at £250.

    We have also bought a new washing machine which I used my credit card to pay for so that has gone up now. I'm waiting for a minimum payment to come out for my cc next week of £100 which will bring the dresser down to £200. Once that has been paid off in early November the £100 can start paying off the washing machine.

    Husband and I are both back to work today. I'm going into school to sort out my new classroom and he is working from home. And hopefully we will see some movement on the house move this week.

    I'm feeling very motivated and long my it continue.

    Crunchy xx
    LBM June 2014. Original debt £23,555 vs Now £0 Paid off in April 2017. Since then lost my way a bit and then decided to move house and start a new course...
    NEW LBM: 16/9/17 NEW DEBT: £7232 Now: £6951 Paid off £281
    Dog/New House savings £700 Long term savings (finally) £1140
    • crunch_time
    • By crunch_time 1st Sep 17, 7:47 AM
    • 973 Posts
    • 2,473 Thanks
    crunch_time
    Morning diary

    1st of the month and September too! It felt very autumnal when we woke up this morning. I've just checked the bank accounts. We had £177 for fuel and spending money for the month and as husband and I are not planning any socialising this month I decided to pay off from my credit card a meal out we had way back in June costing £35. So the spending money section now stands at £305 and none of it on my CC anymore just husbands. I'm hoping to round it down to £300 but husbands 0% won't accept any additional payments at them moment for some reason. I must get him to ring up.

    I've been in school two days this week sorting out my new classroom. The first day was fine but the second day wasn't as i had to spend a few more hours than normal with my job share who is very selfish and arrogant and can rub people up the wrong way. I cried when I got home as I wondered how I could cope with a whole year with them. Paying off the debt is my reward and hopefully we will be able to find some money in the new year for a holiday abroad next summer.

    I should get my nursery bill later today. Finger's crossed its around the £300 mark! We are also going to see the new house today to discuss flooring and measure up for stuff. Additionally I will go to Aldi's for the weekly shop.

    I've put beauty and the beast on for the kids so I can get some stuff done - finally - no chance yesterday. Really need to sort some paperwork out.

    Happy Friday everyone!

    Crunchy xx
    LBM June 2014. Original debt £23,555 vs Now £0 Paid off in April 2017. Since then lost my way a bit and then decided to move house and start a new course...
    NEW LBM: 16/9/17 NEW DEBT: £7232 Now: £6951 Paid off £281
    Dog/New House savings £700 Long term savings (finally) £1140
    • crunch_time
    • By crunch_time 1st Sep 17, 1:02 PM
    • 973 Posts
    • 2,473 Thanks
    crunch_time
    Quick update:

    Nice pleasant surprise for the childcare bill. We weren't charged anything thanks to childcare vouchers so I have put all the money towards paying back some of our holiday costs so that line on the budget is now nearer the £1k mark. Debt now back down under £6k.

    The house was even better than I remembered it to be.... Hopefully be in by the end of the month.

    Crunchy xx
    LBM June 2014. Original debt £23,555 vs Now £0 Paid off in April 2017. Since then lost my way a bit and then decided to move house and start a new course...
    NEW LBM: 16/9/17 NEW DEBT: £7232 Now: £6951 Paid off £281
    Dog/New House savings £700 Long term savings (finally) £1140
    • crunch_time
    • By crunch_time 3rd Sep 17, 7:45 AM
    • 973 Posts
    • 2,473 Thanks
    crunch_time
    Weekly food shop done yesterday for around £56. We just need a meat from the butchers which husband is going to get this am.

    We started packing up books and shoes yesterday and I found a few pairs to put on eBay so must do that today. I'm going to relist a few other bits too. I'm up to date on my school work and have nothing left that urgently needs doing before inset day tomorrow so I'm going to have a nice day with the family and do some sewing tonight.

    I'm going to pay a small amount off husbands cc today for food as we were under budget this week.

    Hoping for a no spend week this week!!

    Crunchy xx
    LBM June 2014. Original debt £23,555 vs Now £0 Paid off in April 2017. Since then lost my way a bit and then decided to move house and start a new course...
    NEW LBM: 16/9/17 NEW DEBT: £7232 Now: £6951 Paid off £281
    Dog/New House savings £700 Long term savings (finally) £1140
    • Seasidegal58
    • By Seasidegal58 3rd Sep 17, 9:00 PM
    • 776 Posts
    • 3,999 Thanks
    Seasidegal58
    Hi Crunchy. I've been off the boards for a while but have just caught up with your goings on! Great news on the debt, house move and pending career change. You've done brilliantly!
    SSG x
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    My debt free diary - " Paid off the £31,000 - BUT still scrimping!"
    • crunch_time
    • By crunch_time 4th Sep 17, 4:57 PM
    • 973 Posts
    • 2,473 Thanks
    crunch_time
    Hi Crunchy. I've been off the boards for a while but have just caught up with your goings on! Great news on the debt, house move and pending career change. You've done brilliantly!
    SSG x
    Originally posted by Seasidegal58
    Hey seasidegal! Nice to see you back on the boards! Will head over to the diaries later. I've been really slack recently commenting on people's - just don't seem to find the time but I definitely read them.

    Thanks for your congrats. I'm feeling a bit pants about it tbh. We were about £2800 away from debtfreeness and then I stuffed it all up spending money making myself feel happier about work. And then the summer happened as well and I always seem to be really bad in the summer. Now we are £5700 approx in debt again and have lots of new expenses looming. I can't complain of course as there are lots of people in a worse situation. Just feeling very cross with myself.

    AH well, school has started now so in theory that should keep us on the straight and narrow!!

    My Direct debit for my credit card came out today so that's £100 off and only £200 left of the dresser now before I can start paying off the washing machine.

    I was hoping to have a no spend week but just realised DS has a hair cut on Friday and I will need to get DD's feet measured and a new pair of shoes as her summer ones are too tight. I also need some black trousers for work so will take the op to shop around whilst in the city on Friday.

    The children are at grandparents tonight so i'm going to take the opportunity to have a proper sort of my wardrobe before husband gets home and mix and match some outfits together so i don't feel like I have nothing to wear every morning. I have a ton of things I can adjust or make with my sewing machine but struggle to make time to do it. Maybe I can do a bit of that tonight too.

    Get paid two weeks tomorrow and have some things on e of the bay which people are watching so got to look at the positives.

    Crunchy xx
    LBM June 2014. Original debt £23,555 vs Now £0 Paid off in April 2017. Since then lost my way a bit and then decided to move house and start a new course...
    NEW LBM: 16/9/17 NEW DEBT: £7232 Now: £6951 Paid off £281
    Dog/New House savings £700 Long term savings (finally) £1140
    • Seasidegal58
    • By Seasidegal58 4th Sep 17, 10:19 PM
    • 776 Posts
    • 3,999 Thanks
    Seasidegal58
    Thanks for your congrats. I'm feeling a bit pants about it tbh. We were about £2800 away from debtfreeness and then I stuffed it all up spending money making myself feel happier about work. And then the summer happened as well and I always seem to be really bad in the summer. Now we are £5700 approx in debt again and have lots of new expenses looming. I can't complain of course as there are lots of people in a worse situation. Just feeling very cross with myself.xx
    Originally posted by crunch_time
    I wouldn't feel too cross. It's a rollercoaster this debt business. Especially for families with children. There's always something popping up. You're on the right road - it may take a little longer but you'll get there.
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    My debt free diary - " Paid off the £31,000 - BUT still scrimping!"
    • crunch_time
    • By crunch_time 7th Sep 17, 9:07 AM
    • 973 Posts
    • 2,473 Thanks
    crunch_time
    I wouldn't feel too cross. It's a rollercoaster this debt business. Especially for families with children. There's always something popping up. You're on the right road - it may take a little longer but you'll get there.
    Originally posted by Seasidegal58
    Thanks seasidegal. It's just making me realise a lot of things about my life and my life style.

    Working week done and it was hectic. New classroom, new children, new routines. Everyone seems to feel a lot better though - the atmosphere has improved.

    Husband is going to be working away from home 4 days a week until the end of the November which means I'm going to have to find someone to care for the puppy 2 days a week at least. Must get started in that project.

    I managed 3 full days of not going to the shop but will have to today for milk and butter but at least that is not too much.

    Pay day is less than 2 weeks away now. Not much else to report other than husbands 0% credit card was £3 less than I thought it was! Ha ha!

    If I do anything today it's going to be making a small payment on a credit card from somewhere and doing a meal plan using up things from stores.

    Still haven't had time to catch up on diaries yet - the boards are so busy! Everyone seems to have that back to school feeling.

    Anyway have a lovely day everyone!

    Crunchy xx
    LBM June 2014. Original debt £23,555 vs Now £0 Paid off in April 2017. Since then lost my way a bit and then decided to move house and start a new course...
    NEW LBM: 16/9/17 NEW DEBT: £7232 Now: £6951 Paid off £281
    Dog/New House savings £700 Long term savings (finally) £1140
    • crunch_time
    • By crunch_time 7th Sep 17, 11:58 AM
    • 973 Posts
    • 2,473 Thanks
    crunch_time
    I've made a small payment to husbands other credit card paying off an amazon purchase and bringing us down to £987 on there.

    A drop in the ocean but signature updated.
    Right must get on with cleaning and tidying whilst dd has a rare nap! Xx
    LBM June 2014. Original debt £23,555 vs Now £0 Paid off in April 2017. Since then lost my way a bit and then decided to move house and start a new course...
    NEW LBM: 16/9/17 NEW DEBT: £7232 Now: £6951 Paid off £281
    Dog/New House savings £700 Long term savings (finally) £1140
    • Seasidegal58
    • By Seasidegal58 7th Sep 17, 9:27 PM
    • 776 Posts
    • 3,999 Thanks
    Seasidegal58
    So pleased that the atmosphere in work has improved crunchy. I know it was getting you down. Hopefully it will continue and everyone carries on the positivity for the new term!

    SSG x
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    My debt free diary - " Paid off the £31,000 - BUT still scrimping!"
    • crunch_time
    • By crunch_time 8th Sep 17, 4:32 PM
    • 973 Posts
    • 2,473 Thanks
    crunch_time
    Afternoon diary

    Spending 15 minutes on here whilst husband takes the children to get hair cuts. Had a bit of a spendy day today. DD's shoes were £36!!!!! The is more than i would pay for a pair for myself! She is only having one pair at a time from now on I swear. I also bought myself some black trousers for work that will last and some gifts for my friend who has just had a baby in Australia. Also some face cream and a magazine which was a £1 as it had some what looked like useful career advice.

    We are planning a no spend weekend in terms of entertainment but might need to go through the shoe purchase trauma with DS as he has had his for over 6 months now and he has grown masses.

    In house move stuff our mortgage has been approved!!! I'm happy of course but slightly scared at the prospect of having a mortgage of just over £300k and a monthly amount of £1120 for the next 28 years. That is what it takes to get a house of the size we require - a 3 bed detached with 2 reception rooms, a good but not massive garden and a driveway.

    The stuff I have on flea bag has a few bids and due to finish at the weekend so hopefully some extra money to throw into the pot.

    Right i had better get on with the tidying and dinner before they come back.

    Crunchy xx
    LBM June 2014. Original debt £23,555 vs Now £0 Paid off in April 2017. Since then lost my way a bit and then decided to move house and start a new course...
    NEW LBM: 16/9/17 NEW DEBT: £7232 Now: £6951 Paid off £281
    Dog/New House savings £700 Long term savings (finally) £1140
    • Seasidegal58
    • By Seasidegal58 8th Sep 17, 8:29 PM
    • 776 Posts
    • 3,999 Thanks
    Seasidegal58
    on the mortgage application but on the price of the childrens' shoes!

    SSG x
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    My debt free diary - " Paid off the £31,000 - BUT still scrimping!"
    • crunch_time
    • By crunch_time 9th Sep 17, 7:41 PM
    • 973 Posts
    • 2,473 Thanks
    crunch_time
    Spent £60 ish in a l d I today and got loads and loads of food so should last as a while. Next weeks plan is to go as minimalist as possible for the last week in our month. Will be looking at veggie meals - for the husband and I anyway.

    Had a chat with the husband last night about moving and money and feel loads better. I was stressing a lot about the unknown. However we know a lot more now because of mortgage offer and bill from conveyancers. We have mapped out our expenses for the next few months and decided on the following:

    - nice frugal Christmas - no guests to impress this year so I have told him we are not doing lots of fancy food for him. He can choose two treats thats it.
    - no nights out or meals out for the rest of the year. Meeting up with friends will be for tea and cake and dog walks only. Although I will take my parents out for a meal at some point but that might be next year.

    I'm sure we will think of others but that is a great start. If we stick to this we should be able to afford all what is coming up, payboff some of the debt and afford a holiday next year.

    Husband is working away from home 4 days a week at the moment and will be for the next few months so it's going to be hard work parenting and working by myself but it will be worth it in the long run.

    The kids have been a nightmare today so currently enjoying some beers and some down time.

    Crunchy xx
    LBM June 2014. Original debt £23,555 vs Now £0 Paid off in April 2017. Since then lost my way a bit and then decided to move house and start a new course...
    NEW LBM: 16/9/17 NEW DEBT: £7232 Now: £6951 Paid off £281
    Dog/New House savings £700 Long term savings (finally) £1140
    • mummytogirls
    • By mummytogirls 9th Sep 17, 10:26 PM
    • 5,411 Posts
    • 16,488 Thanks
    mummytogirls
    Evening crunchy,

    Great news on the mortgage etc, have you got a house offer going through?

    My plan for the last week of the month is to have a couple of meals from earlier in the month frozen. So currently I have a curry and bolognaise frozen and will add some beef from tomorrows roast. My DH would never accept veggie good for you if you can get some veggie meals in there without any groaning though!!!

    Made me laugh you talking about a frugal Christmas, reminded me of when he went out for the pizzas and spent £80 or whatever it was... good luck with that one .

    Have a great Sunday xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6936.45 - 04/09/17 - 70.99% paid off
    • crunch_time
    • By crunch_time 10th Sep 17, 7:30 AM
    • 973 Posts
    • 2,473 Thanks
    crunch_time
    Evening crunchy,

    Great news on the mortgage etc, have you got a house offer going through?

    My plan for the last week of the month is to have a couple of meals from earlier in the month frozen. So currently I have a curry and bolognaise frozen and will add some beef from tomorrows roast. My DH would never accept veggie good for you if you can get some veggie meals in there without any groaning though!!!

    Made me laugh you talking about a frugal Christmas, reminded me of when he went out for the pizzas and spent £80 or whatever it was... good luck with that one .

    Have a great Sunday xx
    Originally posted by mummytogirls
    Hi mtg!

    That's a good idea! We haven't got a big freezer at the moment so couldn't do a lot of storing - a couple of meals perhaps.

    Yes house move all going through!!

    We have a few veggie meals up our sleeves - he usually puts toast on after dinner though - ha ha ha!

    You made me chuckle with the curry memory - he can be terrible with special occasions and friends coming round. Thinks he's Jamie Oliver. Did I tell you about the goose from last years christmas - cost £100!!!! I wince as I type that! For 5 adults! It was massive and took ages to cook. Totally unnecessary. He loves cheese and biscuits too and one year before kids when he used to come shopping with me he had cheese and biscuits every week in December. Just like his mother - she likes to treat herself with food.

    I'm determined to rein him this Christmas. wish me luck!!

    Crunchy xx
    LBM June 2014. Original debt £23,555 vs Now £0 Paid off in April 2017. Since then lost my way a bit and then decided to move house and start a new course...
    NEW LBM: 16/9/17 NEW DEBT: £7232 Now: £6951 Paid off £281
    Dog/New House savings £700 Long term savings (finally) £1140
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  • Shana tova umetuka - a sweet Jewish New Year to all celebrating. I won't be online the rest of t'week, as I take the time to be with family

  • Dear Steve. Please note doing a poll to ask people's opinion does not in itself imply an opinion! https://t.co/UGvWlMURxy

  • Luciana is on the advisory board of @mmhpi (we have MPs from most parties) https://t.co/n99NAxGAAQ

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