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New home, New Debts, New Diary/Budget

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Comments

  • Penny2myName
    Penny2myName Posts: 1,614 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Just had a call, and they are sending me two application forms out for the Zero fares. Looks like I may be eligible for them due to the kids being on free meals.
    2026 Goals
    Live below £14000
    Emergency Fund 1 £3k/£1002
    Emergency Fund 2 £200 (works a bit like Premium Bonds)
    Premium Bonds £1k/£700
    Stocks & Shares Isa £5k/£1651
    SIPP £9200/200
  • taka
    taka Posts: 3,483 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Just had a call, and they are sending me two application forms out for the Zero fares. Looks like I may be eligible for them due to the kids being on free meals.
    Fingers crossed - that would help wouldn't it? It looks like their fares were just short of 10% of you total spent last week. Imagine what that you could do with that money instead! Fingers crossed :D
    Mortgage free as of 12/08/20!
    MFiT-5 no 45
    You can't fly with one foot on the ground!
  • Penny2myName
    Penny2myName Posts: 1,614 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Yeah I know, thats why they were biking it till their bikes got nicked from school:mad::mad:

    Still waiting on school insurance.
    2026 Goals
    Live below £14000
    Emergency Fund 1 £3k/£1002
    Emergency Fund 2 £200 (works a bit like Premium Bonds)
    Premium Bonds £1k/£700
    Stocks & Shares Isa £5k/£1651
    SIPP £9200/200
  • lauradora
    lauradora Posts: 1,371 Forumite
    Part of the Furniture Combo Breaker
    are you still in carcroft then pen?
    On a mission
  • Penny2myName
    Penny2myName Posts: 1,614 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Nope, Wheatley, but kids still have to do two buses as we now in east Doncaster and their school is in south Doncaster
    2026 Goals
    Live below £14000
    Emergency Fund 1 £3k/£1002
    Emergency Fund 2 £200 (works a bit like Premium Bonds)
    Premium Bonds £1k/£700
    Stocks & Shares Isa £5k/£1651
    SIPP £9200/200
  • Penny2myName
    Penny2myName Posts: 1,614 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Woke up early 5:45 and had to come down, as heard dog open back door. Downstairs was a lovely chilly 11 degree C. Decided to kick heating in early, and am now at 12 degrees C. Good job I have woke early though, as hardly any milk, and kids need some for breakfast.
    DD has just woken up and is now trying to fuse herself to radiator.
    Managed my first NSD yesterday:j Just another 6 to find.
    Made a combined meal from two recipes, Curried chickpeas and a strange soup thing that contained courgettes. kids where not over keen, I would have liked it more if not for painful ulcers. Going to blitz the great deal that is left, to make more of an easy to swallow soup.
    2026 Goals
    Live below £14000
    Emergency Fund 1 £3k/£1002
    Emergency Fund 2 £200 (works a bit like Premium Bonds)
    Premium Bonds £1k/£700
    Stocks & Shares Isa £5k/£1651
    SIPP £9200/200
  • 3 hours later and now up to a whopping 16 degrees C. Heating goes off in a bit. Had hoped to hit 20 before then. Never mind. Been thinking more about my £4k challenge the income I am going to use for my £4k challenge is going to be more the £4k. I am going to use my income support and child benefit as my day to day £4k fund and it comes to :
    £2282.80 Child Benefit
    £2695.68 Income Support
    £4978.48 Total

    Had hoped to just use child benefit and maintenance, but that left be down by £500 so would have been real hard to do challenge on £3482.80
    Anyhow, probs need that extra £900 to cover costs of heating for this winter...

    Actually if I do get these zero fare passes for the kids, I just might be able to do it on CB + Maintenance as their fares alone cost £640 for a school year (40 weeks)
    2026 Goals
    Live below £14000
    Emergency Fund 1 £3k/£1002
    Emergency Fund 2 £200 (works a bit like Premium Bonds)
    Premium Bonds £1k/£700
    Stocks & Shares Isa £5k/£1651
    SIPP £9200/200
  • Got home today to find the application forms for the Zero fare passes:j:j

    Also got a couple more Avon customers for my round. Think on whole I now have a positive list of who does/doesn't want Avon. Main thing is I now have enough customers to at least make a small profit after buying brochures in, unlike before where I only made enough to buy them.

    Have noticed today, when I wake up cold, I jsut spend day huddled up and don't do anything, yet if I wake warm, then am more likely to kick my back side into gear and do some house work.
    2026 Goals
    Live below £14000
    Emergency Fund 1 £3k/£1002
    Emergency Fund 2 £200 (works a bit like Premium Bonds)
    Premium Bonds £1k/£700
    Stocks & Shares Isa £5k/£1651
    SIPP £9200/200
  • Oh yes, oh yes oh yes oh yes, I have boot scraper I wanted for Xmas (well I wanted it, just thought I would be buying it myself) Since sister forgot to buy for EVERYONE'S birthday this year, she is doing around £30-£40 a person for Xmas (she has no debts she couldn't' clear if she wanted to)

    http://www.castinstyle.co.uk/product.php/175/27/tall_cast_iron_boot_scraper

    I bought everyones gifts in the sales in January/feb time. So if paying full price hers would come to around £40 admittedly only came to around £13 but still, jsut goes to show its worth being organized extremely early..lol.

    She would have got me the airer I wanted, but with postage costs came to well over the £40 mark, so will be saving for that.
    http://www.castinstyle.co.uk/product.php/285/2/traditional_clothes_airer___kitchen_maid_
    2026 Goals
    Live below £14000
    Emergency Fund 1 £3k/£1002
    Emergency Fund 2 £200 (works a bit like Premium Bonds)
    Premium Bonds £1k/£700
    Stocks & Shares Isa £5k/£1651
    SIPP £9200/200
  • Just noticed date when posting a message elsewhere, today is my LAST DAY WITH SKY. One less bill to pay from now on.:j:j:j:j:j
    2026 Goals
    Live below £14000
    Emergency Fund 1 £3k/£1002
    Emergency Fund 2 £200 (works a bit like Premium Bonds)
    Premium Bonds £1k/£700
    Stocks & Shares Isa £5k/£1651
    SIPP £9200/200
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