No Money Mummy to Millionaire Mummy!!

Piquant_2

Little Pip is perfect! He's gorgeous! Well done you!

sugarpants_2

Hi from another mummy..gonna grab a cuppa and follow your diary
I have 2 kids aged 6 yrs & 2 yrs..oh and in debt too..LOL

Pips_Mum wrote: »

Hello :wave:

This is my diary to try to help me stay on track financially and get debt free as soon as I possibly can.
I am 39 weeks pregnant with my first baby, very excited but very scared too.:eek:

I am very fortunate that I get 6 months full maternity pay from my employer and I will be getting this until May 2009, after that I will get 13 weeks of SMP and then........ well thats when I get very scared as I will be receiving no income at all.

I have a lovely OH who works hard for his living and manages to bring home not a bad wage. We treat our finances pretty much seperately though as we both have a mortgage to pay, mine due to a messy previous marriage, and we both have debts.
We muddle by with the utilities, bills and groceries for the house we live in together.

My debts stand at around £17,000 as I STUPIDLY got a loan to pay off CCs and then ran up CCs again when OH lost his job earlier in the year and was without work for 3 months.

So my aim for this diary is to basically get better with money :money:

I have already met some lovely, friendly, supportive people on here and have joined the sealed pot challenge (to prevent running up more debt to pay for next Christmas and babys first Birthday), debt free in 2009 (doubt I will be but nice to have an aim) and I have just joined the live off £4000 challenge too.

Right well this is now a HUGE post but I feel better for writing it all down.
I hope other mummys or mummys to be will pop by for a natter and a brew :coffee:

Pips_Mum

Welcome Sugarpants and hello again to the merry band that follow my thread.

Thanks to all the nice comments about Pip, he is quite cute but then I am bound to say that... Im his mum!!:rotfl:

Not done much all weekend, we sat and watched the rugby yesterday and another game today. All good as it means we are not out and about spending which is great as I still have no idea where the money for £500 excess and also my MOT and any repairs that need doing is going to come from.

No council tax this month but I dont know whether to put it in the "I dont want to go back to work yet fund" or to pay it off a debt. Any thoughts? I suppose I should put it towards the cars but think I need a larger amount than £70 but then I suppose it would be £70 less to try to find aaaaaaaaaaggggggggggggggggggghhhhhhhh help me to decide peeps!!

Ive emailed the TV survey people to see if there is a link or email they can send me for you guys so will let you know if they reply.

TTFN x x

ragstoricheswannabe

Hiya, the ticker came from tickerfactory.com, think thats the address anyway......... they have loads on there, can do them for all sorts, debt, weight loss............

why dont you put half of your council tax money towards your debts and the other half in your fund?? that way you wont feel bad either way!!

EDIT: just checked the web address for the tickers and its right!!!!!

Pips_Mum

Thanks for that Rags I have don something REALLY thick though and not kept record of my payments to debts!! DOH!! I will have to go through statements and work it out, then I can do a fab ticker.

I just paid £70.32 off divided between 2 debts and transferred £35 into my "I dont want to go back to work yet" fund. I dont know why I didnt think of doing that anyway, thanks for pointing out what should have been obvious to me Rags

Just worked out I have paid off £2038.06 which is 13.6% of my debt:T:j:j:j:j:T
Wouldnt let me copy and paste my pretty ticker tho:mad:

hampsterpoo

Pips_Mum wrote: »

Just worked out I have paid off £2038.06 which is 13.6% of my debt:T:j:j:j:j:T

Hi pipsmum , he does look scrummy and warm , when you sew labels in his clothes for school will they say pip ,


and well done on paying of so much already :j

mummy2mygirls

well done on paying over £2000!! thats great! I tried and couldnt copy the ticker aswell, will have a try again later......

hope pip is doing ok
xxx

ragstoricheswannabe

Well done pipsmum on paying so much off your debts!!!!!!!!!! £2k is brilliant!!!!
i think to copy and paste the ticker you need to copy from the bit at the top that has your title on it down to the little writing just underneath, it should create a blue box around it...... (sorry, that doesnt make sense really, i know what i mean but thats prob no help!!)

Pips_Mum

Hey All

Thanks, I was really pleased when I worked it out. Its been quite a strugge though but feel it was worth it when I look at the Ticker (still cant get it to copy and paste by the way?)
Just logged on for my Bingo scratches and won £5 whoop whoop!!:j

OH working from home again as still snowy and icy. Means I wont go out so another NSD.

Managed to list a few bits on Ebay yesterday so fingers crossed, one item finishes today and is selling for a reasonable price.

All going well so far this week, whats going to come and knock me off my perch I wonder?

Pippilongstocking

Just a quick jump on board to say well done from one mummy to another one.

You are doing great!!!

Well done on the win - having found this now (diary's are ace) I will pop in from time to time to see what you are upto! xx