mummy saving for a debt free day!

mummy2mygirls

Ok so i have had to change my sig as its tooo long!!! and i cant include all of my seperate debts so i thought i would list them on here and will update them once a mth say so here the dreaded list is!

LMB 11/11/09 Total [strike]30978.40[/strike] 28868.40
Kitchen [strike]7000[/strike] 6864
Capital bank [strike]13908[/strike] 13069.44
Abbey cc [strike]1734[/strike] 1686
Tesco cc [strike]4500[/strike] 4324.16
SCS [strike]566.40[/strike] 424.80
Overdraft 2500
Overdraft 2 [strike]50[/strike] 0
Curries [strike]800[/strike] 0

And i will update at the end of mth so i can see it going down (fingers crossed!)

Pips_Mum

Thats fantastic news!!!:j
As rags says I never get that kind of mail:rotfl:

Does it make me a dreadful mummy that I have already sat Aidan in front of TV watching the shapes and light while I washed up?

Your figures have already come down loads, well done :Tx x

mummy2mygirls

Well i have been a bit ill the last couple of days and dh has been of work aswell, just a cold and all achey!! Feeling a little better today so trying to get back to things!! Been doing my daily scratch and trying to keep on top of things etc but just felt horrid!!

Managed to request £10 from the scratch card so will pay it of the cc when its in the bank, Also Amazon sent email to say they have sent my money so should get that in bank soon aswell. Checked online banking today and im very happy that we still have money in there and dh get paid tomorrow!! Its not much only £35 but before we would be desperate for money and we havent spent on any cc this mth :j :j . I am going shopping with my mum tomorrow and need to get DD1 her rainbows uniform so will be able to use this money that left instead of going into febs money!! When dh gets paid i am going to do another soa on here with what i want to pay what etc as thats helped to keep looking at it this mth....

Been to the market today so spent some more of my GC money - well over the mth but i hope i can even it out in feb......

ragstoricheswannabe

yay on having money left before payday!!!!!!

Sorry to hear you have been poorly sick, think the cold is doing the rounds everywhere and really knocks you for six...... glad to hear you are feeling better though. looking forward o reading your feb soa, helps me to see other peoples budgets.....

mummy2mygirls

Well payday hasnt happened yet!! And im so mad at Dhs work!!!!! They are meant to pay us so that it is in our bank and cleared for the 1st!! Well thats tomorrow and we are going to get paid on mon now.... As long as we do and its not that they cant afford to pay everyone :eek::eek: :eek: The boss said he had to go and sort out someone else who had mucked up so didnt get it transfered in time!! Our mortage will come out along with loads of other dd on monday first thing so who knows when his wage will go in and wheather we will get charges or our bills not paid!!! :mad: :mad: :mad: If our mortage doesnt go out because we havent got the money in there i will be so mad and upset with them.....................

Warning rant and dont feel you have to read it all as i do go on!!!!
Oh and also want to copy rags at the moe and my OH!!!! He was a real pain last night, going on about how we dont have any money and we are always skint etc etc!!! And how he doesnt care if we have debt he just wants money to spend!!!!!!!!!!!!!!!I tried to say that if we get it paid of we will be much better of and have so much money that we wont be paying out each mth! But no he just wants the best of everything!! Wants the debts to be gone so he can spend money but also wants to spend now!! Its not like we dont spend anything either he just is never happy and will always want more spent on him! I Think his main problem is that i didnt get him a ps3 game yesterday!! But yet we did have a pizza he had beers and 40 cigs(better last him atleast the weekend!)!! So spent a fortune but none of this is noticed by him. He also goes on about how its not fair as others (people in my family!!!) have money and how we dont even though he works hard etc etc.......he forgets the people he is talking about are 30 yrs older then us so have prob been through tight time when there children were younger but now there kids are older and they both can work etc etc.................The only thing he seams to worry about is getting made redundant, which i can understand is a worry with how everything is now but he shouldnt get as worried about it and should try and deal with the debts so that if (fingers crossed it wont!!!) we are in a little bit better possition!! Even if we only pay a little of and then he got made redundant it would be better then just not doing anything!!!! oh sorry for going on if any of you are still reading!! Well done..:T

Anyway i will try and carry on paying what i can and hope when he crawls out of his bed he is in a better mood!!!

Got my scratchcard £10 but dont want to pay it of the cc yet because of the wages not being paid yet. So will wait and on monday WHEN our wages are in ill put it towards the CC!

Also yesterday i got a letter because i had made a complaint to the abbey cc for passing me all over the place and cutting me off all the time and they have said they are crediting my account £25 as a gesture of good will!!! Which is great and takes a little of the total!!

Anyway better go and get on i am meant to be sorting out baby things this weekend....
x

Pips_Mum

I survived the rant, can I get a t shirt!!! Lol!!
Feel free to bash OH over the head, we wont tell anyone will we guys?

Really frustrating about the wages, especially as the boss just ran out of time.
Great news about the Abbey complaint though.

X X X

mummy2mygirls

pips mum you shouldnt of made it all the way through my ramblings!!:D You have far to much going on with little one! Hope your getting on ok ill pop onto your diary in a bit and see how things are!!

Well i have realised i dont need any new baby clothes!!! I have soooooo many and i think i must of had a thing for vests as i have loads....I had at least 25 in each size!!! lots that are brand new and both dds have never worn!!! So i will be listing some on ebay and see if they go....Also got loads of tiny baby clothes which never fitted any so i might list them on ebay aswell (but then part of me thinks keep them just incase baby turns up early.......but i feel a little happier i have some bits sorted for the baby now! Tomorrow we will sort even more and dh is going to get all the bits from garage so i can asses the damage!!lol. I have ordered a fleece moses basket from vertbaudet, it was listed for "29 and i have managed to get it for £18 and free delivery so im happy with that. I want it so baby can sleep in it in the day and i can move baby round with me as i dont want to leave dd with baby....Also be good for staying away and going to my mums for the day etc..... going on a ramble again.....

x

Pips_Mum

I seemed to have had a bit of a vest fetish too!!! :rotfl:
Silly thing is I dont even put one on him if we are staying in the house all day!!

Moses basket is really handy, I cant lift him in it still thanks to C section but I drag him round from room to room.:p

mummy2mygirls

ok im really sad and cant sleep as im worried about whats going to happen to the bank account so had to come on and check online! already £89 over the overdraft limit!!! and its not even midnight when most things will come out, its not showing what that is thats pushed it over so it could be a few small dds which ill get charged for each one!!! arrrr, so anoyed with dhs boses for just not getting it sorted! and i no they wont take my mortgage tomorrow now and so i dont no what will happen about that, not sure what else is due out but i know its a lot that come out on the 1st!! well i will see what happens at midnight and then nothing i can do apart from go sleep and see in the morning! I really hope at midnight his wages will show up.......we will see

mummy2mygirls

Just checked again and its now £214 over the overdraft!!!!