mummy saving for a debt free day!

mummy2mygirls

hello smarties - had a nice time and was sooo lovely to see my friend after soo long! had a bit to much to drink but not as bad as my friend - think the jet lag kicked in as well bless her!

Well i am another debt down!!! :D:D:D paid the last payment for the scs sofas today. so will have a extra £70 a mth to chuck at one of the other ones.

i am soo upset with dhs work again!!! they can never jut pay the right amount!!! he has done to sats this mth at time and a half and he has only been given one day extra pay!(and only at normal not time and half!!)! this was money for our trip away :mad::mad: dh just isnt that bothered or worried about it and is just like ill tell him - all ok apart from his boss will say ill give you it next paday!! which is after our holiday.......so no good!! :mad::mad:
so i need to do a soa for the money we do have and see if we will still have enough for our holiday and just have a tight mth......

Pips_Mum

Grrrrrrrrrrrrrrrrrrrrrrr to boss`s my OHs was the same when they paid him wrong last month. They missed off his oncall money which meant we were £600 short :mad::mad: Thats ALOT of money, they dont seem to care though.

I was thinking about Xmas presents again, Can you knit?
I found some really cute messenger style bags, going to make some for friends. They are just 1 long piece of knitting that you then fold into 3 to make the 2 sides and flap and then just stitch up the sides. Going to make mine stripey with leftover wool :j:j

ragstoricheswannabe

:jYay for another debt being gone!!!!!!!!!!:j

Boo to your DH's boss, my fella's boss is also very good at forgetting to pay the overtime, we have had to wait/harrass for it for well over 6 weeks.

Hope you had a good time away inspite of that!!!!

Love rags
xxxxxxx

mummy2mygirls

dh still hasnt mentioned about the overime!!:mad::mad: but i think we will be fine money wise and so it can be paid next mth and put towards the debts

I really really want a sewing machine!! I have loads of things that i would like to make including xmas presents etc. Also i need t ge dd2 a new cover for her bed and they cost a fortune and cant find one to match dd1s, but i have two covers for the single size so was thinking i could make that to fit the cotbed size duvet :rolleyes: So i think in the long run it really would pay for it self and save us money.... but i really shouldnt spend the money in thefirst place i was thinking maybe f we dont spend all the holiday money i could put some of that towards one?? or maybe ebay some bits and use that towards it so then its not to bad to spend out...????? ill have tosee when we come back.....

not really do to much mse apart from just not spending being sticking to meal plan and only buying what we need food wise. Got to go to tesco at some point as i want to buy some bits to take away with us rather then buying at the shop on site as im sure they can charge what ever they want....

anyway going to hit my hugh ironing pile today so that what ever we might want to bring will be ready to go....thats the plan but might end up doing it tonight when dds are in bed....

mummy2mygirls

just joined bingoport to try and get a few more amazon vouchers which i will save for birthdays and xmas. just need to make sure i log on and chat each day to try and get my points up.....

also i have joined the thread for being money neutral for xmas ad bday to get loads of ideas for earning asmuch as i can for presents!! i am sure i will not find this xmas etc a tight time!

going to keep a tract on here what i have sorted for christmas including any savings, stamps or vouchers which i will save for xmas
so far:

* Tesco stamps: £17
* Co-op stamps: £7
* amazon vouchers: £

I also have about £70 in tesco clubcard vouchers - was planning on saving these fora trip away later in the yr - but as we are now going to centre parcs i might use them for something else - but not sure yet....... maybe some for a trip and some towards presents etc.....

mummy2mygirls

ok so keep coming on here today trying to hide from the house work!!
here is my ticker for the amout i want to pay of this yr.so im at 53% which isnt to bad... about where i should be so i hope i can stick to it and pay the 10k of.

first i want to deal with the abbey cc - which has gone back over the 1k mark!!(need to update my sig) due to the car tax and also house insurance!!
have decided i am going to work out a amount to put away for the house insurance, car tax etc etc so that i dont have to worry when the date turns up....will just take a little while to build up the amount and the car is due mot soon - so will have to decide whatto do about that...

Also i am going to put a little into one account each mth so that we can do things or get things for the house! I know this isnt debt busting etc but i feel like i am getting so fed up with things that need doing and i know in the end i just end up going and blowing money. so i hope this way i will be able to see things being done etc over time so will stop the impulse buys - first of i think we will save for some tiles for the kitchen (we have a nice new kitchen but no tiles on the wall!!! and the kitchen was done over a yr ago!!!:mad:) so i hope if we do this in a little while we might be able to afford it...... will put the car tax money etc into the isa (if only i had nice big savings to put in there!!) and the money for the house into my other savings account....

so the things i can spread over the yr

car tax: £38 (have heard it will be £400 next yr :eek:!!)
MOT and service: £12
house insurance: £20
car insurance: £30
total £100 (which is the same as i wont be paying from next mth because of the house insurance and also the scs loan)

so if i put £100 a mth away i hope i will then be able to pay all these things when they crop up!! also might have a little extra for things like new tyres.....will see what i can put in for the house when i next do soa

ok better go and do some more house work before the school run...

Pips_Mum

:j:j:j:j53%!!:j:j:j:j

Thats excellent, well done.
Good plan about saving for insurances and taxs and stuff x x

ragstoricheswannabe

BIG WELL DONE ON YOUR 53%

and your only half way through the year, you will meet your target of £10k no problems at this rate (kinda puts my £4k to shame though.........):D:D:D

mummy2mygirls

thank you both. Im, glad its half way through and that i have paid half off - just hope i can stick to it (or even beat it....) just wish it was all paying ofand not the interest......

Freya has had her jabs this morning and is a little grump now - bless her. she felt hot aswell so i have given some calpol so hope she will be ok soon.... the big girls are ill aswell - dd2 was sick all over her bed and dd1 ha a temp so i decided to keep her home from school - want her to get better before we go away!! they seem a bit better now that they are both on the calpol aswell!! i should take out some shares lol

So today i wont be going out again and will just get things sorted for our trip!! Im all excited like a big kid!!lol will be so nice to get away from all the day to day stuff and spend some time with dh.

anyway of to catch up on some diarys

mummy2mygirls

Back from our holidays and had such a lovely time - just wish we could stay forever :rolleyes: Spent nearly all our spending money apart from a little which we are going to take the girls to a play park on sunday with as they were so upset leaving today My dad wante to treat me to a treatment at the spa or the beauty salon - so i decided to have my nails done and get my hair cut (a bit mse as i needed it doing anyway so saved me some money....)

Have checked my bank and have more in there then i thought so should be able to pay a little extra to the cc (need to check first that i havent forgoten anything....)

Have sold another book on amazon - every little helps...

Need to do a meal plan for the rest of the mth and also need it to be healthy as i have put on half a st when on my holidays :eek::eek::eek:

So i am going to really work on losing weight and losing debt wish me luck...............................................................