No Money Mummy to Millionaire Mummy!!

Pips_Mum

:(:(:(:(:(:(:(:(:(

Car big fat failed its MOT and cost us £370 :eek::eek::eek:

Pipe under sink was broke and leaking and we didnt realise until the other day. Needed replacing, water had seeped everywhere and we have had to pull up Lino and buy new flooring £50

Roof finally gave up and cost us £200 to repair.

OHs drill boke half way through building and we had to replace it another £50

:(:(:(:(:(:(:(:(

Pips_Mum

I have paid off £306.02 this month. Again I have only made just over Minimum payments so far as the car cost the earth and also we are going on holiday to Devon on the 24th. Most of them have gone UP as we have had a stinking month for things breaking and going wrong.

So I now owe:

MBNA - £4391
Mothercare - £680
Next - £140
Tesco - £2327
Mum - £780
EGG - £4949

= £13,267

So far this year I have paid off £1465.63 (Dont get too excited as interest isnt included as im not that clever!)


I havent spent any money on clothes so still have £81.38 of my £100 crazy clothes challenge money left to use.

On a plus I have been under budget each week on food shopping and the change has gone into the holiday pot.

I am a bit gutted that my total has gone up but no point beating myself up, its soooooo hard at the moment just trying to keep our heads above water let alone debt busting.

OH had another phone appointment with CCCS as he now has MBNA and Halifax putting defaults onto his account. CCCS say that because car loan is in my name but he pays it is screwing up his chances of getting a DMP agreement with them as they will say its unfair that they car peeps get £200 a month but we can only afford to pay them £20. CCCS said sell car but I dont see the point in that as we wont get the money back for it what we still have left to pay on its loan so I dont see we would be any better off really?

Anyhooooooo feeling thoroughly miseable now so off for a galaxy!:EasterBun

Pippilongstocking

lucielle wrote: »

Go girl. Glad you are getting your waterworks sorted.


L

:eek: Images of gynocologists :rotfl:then read properly........:o

Well done on all the payments to debts

Boo to bad things

Keep on plodding - galaxy in hand - you're doing brilliantly (sneaking a cuppa and a catch up)

Passes Pipsmum the choccy biccies

mum2one

Pips_Mum wrote: »

Water man came and said no they couldnt repair it, so I said what can I do then nobody says its them, nobody is helping me what do I do and he must have took pity on me as he said he would try and find why he thought the problem was occuring.

He took out the water meter and when he tried to fit it back he couldnt as the piece it attaches to had sheared off. so he said they would have to dig the pipe up and replace it anyway. Basically I think he did it on purpose and was a bit heavy handed so that it would break and they would help me......lovely, lovely man.:A
They didnt turn up until 21.20 to do the digging though:eek: There plumber has just been out to flush the dirt out of the pipes and now the pressure is great, internal pipe to the bathroom may need flushing again by our own plumber but it is now at least useable. So all in all big Yay to Anglian Water :T:T

I was so worried though especially as they had to dig out an area about 4ft by 4ft and 3ft deep too, that would have cost a fortune if I had to pay.

Payday today so I need to do some sums and updates.....back soon!

Ah bless him, people like that, who restore your faith in companies. Plzed he got it sorted, xx

mum2one

Pips_Mum wrote: »

I have paid off £306.02 this month. Again I have only made just over Minimum payments so far as the car cost the earth and also we are going on holiday to Devon on the 24th. Most of them have gone UP as we have had a stinking month for things breaking and going wrong.

So I now owe:

MBNA - £4391
Mothercare - £680
Next - £140
Tesco - £2327
Mum - £780
EGG - £4949

= £13,267

So far this year I have paid off £1465.63 (Dont get too excited as interest isnt included as im not that clever!)


I havent spent any money on clothes so still have £81.38 of my £100 crazy clothes challenge money left to use.

On a plus I have been under budget each week on food shopping and the change has gone into the holiday pot.

I am a bit gutted that my total has gone up but no point beating myself up, its soooooo hard at the moment just trying to keep our heads above water let alone debt busting.

OH had another phone appointment with CCCS as he now has MBNA and Halifax putting defaults onto his account. CCCS say that because car loan is in my name but he pays it is screwing up his chances of getting a DMP agreement with them as they will say its unfair that they car peeps get £200 a month but we can only afford to pay them £20. CCCS said sell car but I dont see the point in that as we wont get the money back for it what we still have left to pay on its loan so I dont see we would be any better off really?

Anyhooooooo feeling thoroughly miseable now so off for a galaxy!:EasterBun

So sorry about the cars, there expensive things, mine went in to get its brakes checked ...........£298 later.
You've had a month of months, but hey plzdon't beat yourself up over it, on the positive side you've paid more the minimum on the cards, whether its 1p or £100 its an extra and thats the important thing.

The break do you the word of good, which part of Devon are you going to, we always go to Dawlish Warren, South Devon.

Considering all the plumbing work and the bills your going great guns. Is there any way you can get around the car payments, as it doesn't seem right for you to lose out,
Keep fingers crossed, u take care xx

Pips_Mum

Helloooooooooooooooooooooooooooooooo!

Nothing new to report Im afraid.

OH started new job today. Not quite what they promised in interview, dont you hate it when that happens. But it is stilll quite a bit more money than last place and on a Friday they can buy a whole chicken for £1 :T

Got Pip a few more clothes today, some shorts and some Tshirts now we can hopefully expect some warmer weather.

I went into the garden at the weekend and planted lots of veggies, hope they thrive and give us plenty to munch. They did OK last year so fingers crossed for the same. Burglar attack Blackberries are now in situ so again hope for berrys.

Holiday on Sunday, woohooo! I got a bit of money for my Birthday last week so going to use that to pay for holiday treats.

Ummmmmmmmmmmmmmmmmmmmmmmmm nothing else to report im afraid.

TTFN x x x

Pippilongstocking

:bdaycake:

Eek to missing your birthday - what a bad friend I am - I hope it was fun and I hope you had a little treat. xxxxxxxxx



I'm glad you got your veggies in - sure they will be brilliant

Yippee to bargainous chickens.............................xxxxxxx

mum2one

Apologies from me as well missing your bday, hope u had a gd day. xx

Pips_Mum

Helloooooooooooooooooooooooooo all:D

I am just back from possibly the worst holiday i have ever had!

Pip has been so, so naughty from the minute he woke up to the second he (eventually!) went to sleep. He has been having tantrums when not getting his own way, screaming, hitting the works.:mad: He screamed so much in one family restaurant place that 2 tables of people moved, it was quite embarassing as you can imagine.
Money wise it was quite good though as we were so scared to take him out for a meal we ended up going to Tescos each night and getting a ready meal instead. Ive only used my Birthday money and actually bought some back home again.
We mainly spent time at the seaside as it was free obviously and we went to the Donkey Sanctuary which was also free but we gave a little donation. Thursday rained all day so we stayed in and he watched cbeebies and we read books and stuff.

All in all Im glad to be home but of course we got home to 4 letters and 3 messages on answer phone about OHs finances. Ive not made any extra payments to my debts. Feel like Im treading water.

lucielle

I remember those days so well especially a holiday in Fance when we had to tie DD1 to her chair with her reins. The joys.
L