No Money Mummy to Millionaire Mummy!!

Pips_Mum

Thats the plan Kidcat.

Just paid an extra fiver off of Mothercare card. I quite like this small payment every few days thing. Fay i know you do it but is there any other PADers present?

Big bummer, I think our cooker is on its way out. It wont heat up unless you put it onto grill first. :mad:

ragstoricheswannabe

Hiya, i have done a similar thing with accounts, i have a car one, a christmas one and a clothes one.

I would love to do PAD but scared i would pay off too much and leave myself short so based on my soa just pay a lump sum.

mum2one

I'm the same as u pips mum,
Main account -Harry the Halifax- all main payments etc go in - and everything goes out to quick.

Barney the Barclays - has all mystery shopping money, what little there is, but easier to keep seperate, now what am I going to spend my £12 on... a porche... doubt it would even buy a bolt for it!

have Ing - have £10 pm going to that pays the half share of AA membership with daddy darling!!!

DD - shes the one with accounts named
Dolphin account - save 50p towards swimming with dolphins, originally aiming for when she was 11, but due to misfortune (or luck!!), with a bag of sugar and a supermarket, we had 2weeks in Tavistock, and half 2wards Dolphin holiday, going nxt yr for my 40th.

Change Account - she has all the loose change, so when shes 18, hopefully have a nice sum

Tightwad account - DD choose the name, mum + dad give her £15 a month - again ready for 18th

Pocket Money account - I put some money up for her, if she needs anything big

I do get some funny looks in the bank, bank monthly, and great fun if weve been away, lots of change, 2 weeks last yr in Blackpool she made £40... theres me toddling in with about 8 bags of change.. Great when they say we can't take the bags as there not full amounts......ok I'll close all the accounts.... and by the way ask ur manager as we had this discussion before... then suddenly the money gets accepted.

Good luck with the overtime, hope the roads aren't too bad to get in on. xx

mummy2mygirls

Well done for setting up all the accounts, i just have one isa which i pay any savings int and have a spread sheet with what all the different sections are spilt into....not sure if its the best way or not but is working at the moe

I used to do pad and did get on well but also worry about paying to much and then not having enough at the moe i am rounding down the bank so its on a round number and then putting in isa towards paying mil!! and when i have the full amount ill pay her off!! (thats the plan)

spendtoomuch

Hi Pipsmum well done on setting up accounts - think I will do the same. I definitely need a separate one for Christmas and to start saving now. Good news on overtime, it all helps. Boo to cooker, my tumble dryer has packed up and I am lost so going to have to replace it.

Have a good day all x

Pips_Mum

Another 5 hours overtime done. They are offering a load for next week too, I am off on Monday for a hospital appointment but have said I will do an extra 2 hours on Tuesday and an extra hour on Wednesday, hoping the put some up for Thursday again too. Its all money isnt it.

Rags and Mummy, I am only making REALLY small payments! Im checking bank before I do it too so I know I have enough.

Spend hope you can get a tumble dryer cheaply, maybe freecycle? Going to hope cooker limps along a little longer if not I think I will be buying a slow cooker! Thanks for the recipes Rags ,cant remember if I said thanks already?

Mum2one DD is so sensible with the money, you have taught her well. :T

My friend finally had her yesterday at 8.30pm after going into labour at 9am on Tuesday :eek: Little baby girl called Grace and she is soooo sweet. Got a little outfit in the sales to give her and got a card out of my card stock box.

Pip has his booster Jabbies tomorrow so hope he will be ok.

Whats new with you lot?

Pips_Mum

Right payday tomorrow so I have just set up the payments to go out £350 in total :eek: which is really going to stretch me but I wanted to make them all nice round figures! :rotfl:

As I promised I am listing them all each month so I can see how well I have done.

So I now owe:
MBNA - £4620
Mothercare - £655
Next - £90
Tesco - £2200
Mum - £900
EGG - £5266

= £13,731

So far this year I have paid off £386


I have spent £3 of my £100 crazy clothes challenge money so have a balance of £97 left to use.

kidcat

Pipsmum - I think Argos have slow cookers in quite cheap at the moment

They have a 6.5litre Rachel Allen One for about £14 I think.

I have two slow cookers now and wouldnt be without them, meals are ready and waiting and its so much easier.

Pips_Mum

on phone to HMRC

I know you have all been there!!


Kidcat thanks for that will have a look x

Pips_Mum

I am gutted, cooker is definately broken and we will need a new one so now, 14 days into a new year I need to try and find at least £169 for a new one.