Newbies - spending more than we earn

highguyuk

Car Values in depth: https://www.wisebuyers.co.uk

Hope your foot is ok :-S ... shame your gona have to put your feet up all day on the internet. lol.

Charlie2301

Hi Rache
Just to say well done for posting on here and facing up to things. i too am new to this and finally realised that spending what I didnt have had to stop this year! It's a scary thing but I wish I'd known sooner what support was out there, would have meant a few less sleepless nights and wrinkles under my eyes....

Stick with it

Charlie :rolleyes:

HLK

Hi Rache..

You poor thing, hope you didn't hurt your foot after a trip to Majestic!

Rache_2

LOL I wish! I actually fell down half a flight whilst carrying my baby. Mother's instinct is to protect the child even it means buggering up your own soft landing. Ho hum! Still, it's feeling much better today.

BWZN93

Good Luck Rache!

I dont really have anything meaningful to contribute to the discussion as most points have been covered elsewhere. I did want to say make sure you have fun with some of this moneysaving too though, im not in a great deal of debt but just trying to make fun days out as cheap as possible instead of staying in can be quite motivating. My fella and I often just leave the house and go and find a random park in a beautiful area to walk around or find the cheapest way of getting access to some stately house or whatever.

We have also just set up fantasy internet portfolio's and given ourselves £150 each to spend on shares etc each month, and try and beat each other at making the most profit.

However, with all that reading to do, you probably arent as bored as me in an evening (so im about to start education again for a different career).

Hope everything goes well!

Jo xx

jcr16

just a thought , now although it not always good to secure debt against your home , but how much is your home worth , do you have any equity or is mortgage 100%. as i was thinking if your gonna ask your bank if there anything they can do for mortgage , sometimes it cheaper to borrow more at a lower rate , if that makes sense.

Kateelizabee

It's the whole "packaging up and finding the time to get to the post office" part which puts me off.

Rache, have you tried packing them before you put them up on ebay? If you did that then posted them on your lunch hour, it may save time. Just number them and keep a record book so they don't get muddled up

bommer

With regards to your books for work have you tried organisations/charities connected with what you do. I work for a charity and we have a library that has a whole host of books connected with the business world. I have also just completed a uni course and even when you leave you can still be a library member for a fee I think it was £20 per annum. Might be worth speaking to one if you have one locally?

Alleycat

Hi,

Wow, you've had some great suggestions and support here already, but there is one thing I am surprised hasn't been mentioned as yet and that is using reusable nappies. I don't know how old your baby is, but it can be a real cost saver, plus doing your bit for the environment. We swapped to reusables when dd was 3 months old and she is now nearly 1 yr and we are still going strong! Depending on which disposables you are swapping from and which reusables you choose you can save nearly two grand with just one child. Times that by any subsequent children and that is a massive saving!

There is an initial outlay, which can be anything from £20 for terry to a couple of hundred for the more snazzy styles, but you may find that your local council offer a cashback incentive scheme.

There is a great thread on the marriages board all about it.

Good luck!

Alley

Rache_2

Alleycat wrote:

Wow, you've had some great suggestions and support here already, but there is one thing I am surprised hasn't been mentioned as yet and that is using reusable nappies. I don't know how old your baby is, but it can be a real cost saver, plus doing your bit for the environment. We swapped to reusables when dd was 3 months old and she is now nearly 1 yr and we are still going strong! Depending on which disposables you are swapping from and which reusables you choose you can save nearly two grand with just one child. Times that by any subsequent children and that is a massive saving!

There is an initial outlay, which can be anything from £20 for terry to a couple of hundred for the more snazzy styles, but you may find that your local council offer a cashback incentive scheme.

Thanks for that Alleycat, but we've beaten you to it;)

Our baby has been in cloth since week 2 - we've now bought all the nappies we'll ever need for him and future babies. We also use cloth wipes. Has saved us an absolute fortune! (He wears own brand disposables at nursery, though)

(Oh and he's breastfed too, thereby saving us not only a fortune in infant formula, but I've never had to miss a day of work to look after him as he's never ill:))