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mummy saving for a debt free day!

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  • Hello its always nice when you book in with the midwifes, how far are you?

    We took the kids fruit and veg picking a few wks back and they ended up tasting diffrent veg when we cooked them cause they had picked them!!! like the girls they also ate loads going round!!

    I have just been reading your diary and you sound like a very organised person....
    LBM Aug o9

    Mummy to dd1 dd2 dd3 and ds:j
  • Pips_Mum
    Pips_Mum Posts: 2,893 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Hello Mumm

    Booking in is good at least you know you can ring someone easily if you are orried about something.

    Big Bro final was a surprise, thought she would win but didnt predict Charlie going out so early did you? Hope you enjoyed your M&Ms? I went to a mini party at my friends house and didnt get home till 2am!!! I completely agree about it being a bit sad, I think its because you get a bit absorbed into it for 13 weeks and then its not there aymore, bit like cold turkey!!
    Debt at LBM [strike]£17,544[/strike] :eek: £5700
    :TOver £14,000 PAID OFF :T

    2020 the year of less - Less debt, less waste, less spending, less stuff, less stress!
  • yeah i didnt think it would them first to go out!! i was thinking she might win though... I had some and still have some left if the girls dont get there hands on them!!lol
    2am!!! dirty stop out!!lol hope you had a good time.
    Well it is just clouding over and going very dark!!! just in time for the bbq later...:mad: Ohwell will see how we get on with it...

    Went to the pet shop today when dd was at her party and the lady was really good at explaining the different types of dwarf hampsters and what ones will be best for when you have young children....
    better go get sorted for this bbq....fingers crossed it doesnt get to wet....
    GC: Nov: £60.22/£450 Oct: £338.48/£450, July: £363.05/£450, June £447.98/£500
    £2 savers No68: £104/£100 :j
    :jmummy to: 8yr, 5yr, 3yr, 2yr, 1yr. No6 Due Mar 2013 My world.:j
  • hope bbq went well and wasnt too much of a wash out?!?!?!?
    December 2018: £20,850.24. Now: £18,333.02 Total paid in 2019: £2517.22

    Weight loss: 1.5lbs
  • thanks rags, The bbq stayed dry, lucky :D

    Havent updated for a while as have been naughty. Not really much dfw going on and we spent more money :( Dh really wanted some silly beatles game for the ps3 has wanted it for ages and it came out yesterday....So ofcourse he now has it.... it cost a fortune :eek: but i made him trade in lots of games which took it down by £50 so not as bad as it could have been....So naughty but never mind atleast it wasnt on cc...... have told him he has to be so tight for the rest of the mth to make up for it a bit... (it is good fun though - not that ill tell him!!lol)

    Been waiting for my cc statment to come in so i could see what it was and come of the £0 paid of since i started the challenge... its gone down by £90.33...so not loads but atleast its gone down (i hate interest as it would been more if i had a 0%!!!!) I wanted to pay £350 a mth to reach the challenge and i only paid £117!! so have a long way to go... but i hope if dh gets some bonus at christmas that will help it come down anyway and also i NEED to get ebaying...i no i am always saying it...

    Today i have made some choc chip muffins and some flap jacks.. So get to have my sweet cravings without it costing tooo much....

    Will do better with the challenge this mth.... i will i will.....
    GC: Nov: £60.22/£450 Oct: £338.48/£450, July: £363.05/£450, June £447.98/£500
    £2 savers No68: £104/£100 :j
    :jmummy to: 8yr, 5yr, 3yr, 2yr, 1yr. No6 Due Mar 2013 My world.:j
  • havent updated in a while so thought i should....not much going on with the dfw.... I got to £10.10 on my scratchcard today so have requested that so a little more to put on the cc - every little helps....

    Have poorly girl today so dd1 is of school. She has a temp etc and is really drained bless her. She seems to get all the little bugs going round - but lucky normally she gets better quiet quick so i hope after some rest she soon feels better...

    Am thinking about doing a child Psychology home course.... I think it will be really interesting for bringing up my own kiddies but also i think when this baby is bigger i will get a job at the preschool (then maybe a tachers assistant or something at the school...) and i know you dont need any qulifications to start at the preschool, as they will send you on courses etc, but i guess Child Psychology could be good for that and help me get a job there over others if there is a few people applying???? Anyway if i do decide to do it i will ask my parents for some money for bday and christmas and pay for it that way..... Will do some more reading and thinking about it and then decide.... It says you will need about 90hrs of study to do the course and they give you up to a yr to complete it so not sure if i should wait till after the baby or just have a bit of time of or something when baby comes and then carry on..... off to have a good think.
    Think i just feel a bit lost as to what i want to do when the kids are bigger and i would love to work with children and if i do this course then maybe one day i could do a harder course in child Psychology and maybe do councilling at schools or out of schools.....what does anyone think - is it just a waste of my time and money??? i am sure the course will be very interesting even just for bringing up my own kiddies....

    think think think............................
    GC: Nov: £60.22/£450 Oct: £338.48/£450, July: £363.05/£450, June £447.98/£500
    £2 savers No68: £104/£100 :j
    :jmummy to: 8yr, 5yr, 3yr, 2yr, 1yr. No6 Due Mar 2013 My world.:j
  • Well still feel like there is not a lot of DFW going on.....:rolleyes: plodding on... Still waiting for the £10 from my scratchcard to come and when it does ill pay it of the cc....Also have the cheque for the phone books - will pay that straight onto the cc aswell..... Really do not see how i will pay of all the cc by the time this one turns up..:mad: hate not being positive but i dont see it happening.....

    OK I really really must sell on ebay!!! IF i do it will be some more towards the debts
    The girls all need new clothes - hardly have any for the winter!! I think the big two can use there coats from last yr so that will save a bit....

    Have dd1s bday soon and i am soo glad that none of it will be going on the cc :j:j I am sure last yr something weather it be party or presents would have been popped on the cc :o
    GC: Nov: £60.22/£450 Oct: £338.48/£450, July: £363.05/£450, June £447.98/£500
    £2 savers No68: £104/£100 :j
    :jmummy to: 8yr, 5yr, 3yr, 2yr, 1yr. No6 Due Mar 2013 My world.:j
  • Feeling a bit happier today about money etc. Was thinking we was going to be so tight and this weekend we have hardly any food left and no money to buy any etc etc but dh is working on sat for his brother which he will get cash where i was thinking it was for his work so wait for wages :):) so i am happy now :) can get some more food in and not have to struggle...

    I managed to get the party bag bits from the 99p store today and have filled them. All i need to get is the hampster which ill get on monday....

    I paid the cheque from the book delivery straight into the cc card so thats a little more paid of :D:j:j:D

    Was thinking of joining back on the payment a day thread... seemed to do well when i joined that......anything to help even if it only lasts a while before i move onto something else!! lol
    GC: Nov: £60.22/£450 Oct: £338.48/£450, July: £363.05/£450, June £447.98/£500
    £2 savers No68: £104/£100 :j
    :jmummy to: 8yr, 5yr, 3yr, 2yr, 1yr. No6 Due Mar 2013 My world.:j
  • 1HANNAH
    1HANNAH Posts: 855 Forumite
    good to see you are feeling better about things mummy x
    Following :money: to keep us debt free :j
  • Pips_Mum
    Pips_Mum Posts: 2,893 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Glad your feeling happier x x

    We all have our plodding along stages, I am having one at the moment too so dont worry.

    How are you feeling now? All well with buba? x x
    Debt at LBM [strike]£17,544[/strike] :eek: £5700
    :TOver £14,000 PAID OFF :T

    2020 the year of less - Less debt, less waste, less spending, less stuff, less stress!
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