new start - get life straight

moo2moo

Mum2One thats totally totally fab. Don't feel guilty about it. Use it as a very positive target. At least now rather than saying no to DDs requests you can give her the option of having the packet of crisps or the 30p in a jar for her holiday spending money / camel ride / clothes etc. Might help to teach her about money too.

Keeping_Positive

Exactly Moo2moo, It's a great bargaining tool.

mum2one

Thank you moo2moo and keepingpositve, I've been up half ther night feelingguilty, but the way you both put it makes sense and I fell less guilty, I'm determined one way or anotherthat I will pay her back b4 the 12 months, as it is a debt, but a noce debt. xx

taxi73

What a lovely thing for your mum to do.Don't feel guilty just enjoy it.

mum2one

Thank you Taxi, I'm so exicted, the best thing as I've been there b4 I know my way around, know people there, and I stayed in touch with the rep and her family, her little girl is 8, so dd have a new friend......(note must take toilet paper with me - her house has a proper loo, but the drip dry hose system!!). xx

taxi73

It's always nice to have something to look forward to and it'snice that you kept in touch with the rep.

mum2one

So far one no spend day in February, would loved to of added on today but.......
DD needed new trousers for school - £12 in Tesco,
Printer needs ink cartridges - £44.00! I've got some compatible ones my printer takes 4 seperate ink cartridges sods laws 2 outs, 2 nearly, was going to £22 for 1 set of cartridges or £44 for three so thought sod it.the way Im going to be printing out as the OU info is online but there is a link to print off, and need to print off, so £44 down.

Look at the budget this week xx

get_me_debt_free

HELLO,
I get my printer inks form a company online very cheap..printerinks.com i think..
x

mum2one

Heres to Febs plan of action.

Incomings - £883

Snowball - £225
Overdraft - £40
Sky - £32
Life Ins £15
car £50
Mobile £15
Internet + BT - £50
Clothes £15 (allocated as got to pay £30 this mth c/f jans payment)
Daughter £30
Dad bank iou £40
Household £80
Me £40
Rent £200
Holiday £20
School clothing £12 (pd)
Ink Cartridges £44
Vanquis £40
Int on OD £15
Going over od £28

Total to go out £951

Difference -£68.00 :eek: :eek: :eek: :eek: :eek:

have to do some tweaks as we go along,

Should be due a quidco payment and some money for jobs done in Nov + Dec, so one way or another were get there.

It looks worse as had to account for £44 for ink, get £8 back on Quidco, and the ink should last a year. Not allocated hair cut money this month, not going anywhere bar doctors, hospital etc, so will just have to wash my hair b4 I go, be manageable then.

My scratchcards with Take a Break upto £7.50, getting there xx

Lula-Hula

Hey Mum2one,

loving your list of 40 things to do & so pleased that you have a holiday all booked. Like me you usually have the social life of a panda so it's great to have something to look forward to. It was my lovely Gran who made my holiday possible this year & I dont feel so bad about scrimping on everything else now :rolleyes: .

Re the cartridges - have you got a cartridge world anywhere near you ? They refill them for you at a fraction of the cost & it's also much more earth friendly than buying new ones :j .

Take care hon & hope the appointment went ok today

lula
xx