No Money Mummy to Millionaire Mummy!!

Pips_Mum

Ha ha I might report myself and get me moved to the diary board :rotfl:, Ive no idea why they havent moved me

OY MOVE ME !!

:hello: Hi Lemontree, glad you found me again!!
As you will have read already I am kicking myself that I have the debt repayments, When I return to work all my wage will go on debt repayments. I realise I am in the hugely lucky position to potentially pay off a big chunk of debt if the flat sells for a good price and quickly, not everyone will have that opportunity.

BUT thats in the future and I have to think of here and now for now.

Right my payslip came today and its less than I though as it seems half of it is SMP and half is still wages. It came to £847 and I havent got the mortgage to pay this month, might just be doable but going to be HARD!!! Maybe its a good stepping stone for lower again next month?

Ive been through my cupboards like you suggested Fay and I can feed us next week only having to buy Spuds, 1 loaf bread and Catfood (for cat not us!! :rotfl:)
Weeks after will have to buy a bit more but still should be able to save som squids on food. Ive checked out Mbaz feed 4 for £20 for a month and have some tips from there.:T
Did discover that my hourly rate has gone up so my return to work pay will be slightly more than I thought, still dont understand how the tax will work though?

Anyway off to continue my 101 but will pop back later x x x

Pips_Mum

Aaaaaaahhhhh mum2one thats cute!!
Was obviously meant to be x x :A

Lemon_Tree

I'm not sure i'll ever see the blue line - have always had problems and they can't find one of my ovaries so it won't be an easy thing to achieve.

Pips_Mum

Lemon tree I am sure you will, best thing is not to worry and stress about it. How many times do you hear of couples conceiving AFTER they stop trying.
One of my bestfriends only has 1 fallopian tube and thats badly damaged, shes had 3 miscarriages and is just about to start her 1 and only chance at IVF so I have everything crossed for her!
And look at mum2one

ragstoricheswannabe

Hello peeps!!!

Another story here of concieving quickly, me and mr rags concieved the first time we ever "did it"!!!!!! not planned as only 2 weeks into our relationship. i lost the baby at 12 weeks but made us talk about what we wanted, month later ds1 was growing!!
Same with ds2, misscarried at 5 weeks and concieved straight after, didnt have a due date till i went for my 12 scan as had no period in the middle!

Hey lemomn tree, dont give hope before you've started, my friend also has only one fallopian tube as had an eptopic and now has 2 bouncing boys!!!

Sending big hugs to you mrs pip weasley, and i think going down in money gradually is better than a sudden drop, bit like the grocery challenge........slowly, slowly catchy monkey. (have no idea what this means but heard it the other day and thought it sounded good:o) it can and will be done............................ i too consolidated with a loan..........and yep, spent on the cc again!!!!!:rolleyes:

you have done so well clearing £3k with having pip and all!!!!!! it just takes a while to readjust to spending less (and yes, am talking from experience, still not there fully myself)

keep smiling hun,
love rags
xxxxxxxx
aka nurse weasley

Lemon_Tree

i'm another who made the condolidation mistake, only i did it 3 times! one i cleared but the other two i ended up getting at the same time and i'm still working my way through them. boy do i wish i'd found this site 10 years ago then i wouldn't be worrying about smp and what it will mean financially

Pips_Mum

Ok so now I dont feel like I am the only one that fell for consolidating, I wish I had NEVER done it I bet I would have paid the CCs off by now if I hadnt but I suppose its like Deal or No Deal you have to do the right deal at the right time and at the time we consolidated we though we were! Hind sight is a wonderful thing.

Slowly slowly catchy Monkey!!! Love it and havent heard it for ages :rotfl:

Bless, you and OH (yours not mine!!) must have been meant for each other!

I am actually feeling quite positive still, like Fay said yesterday I am hitting it head on and its scary but OK x x

Pips_Mum

Heres what I am aiming for:

Monthly Income Details
Monthly income after tax................ £847.00
Benefits................................ £80.00
Other income............................ £0
Total monthly income.................... £927.00

Monthly Expense Details
Mortgage................................ £0
Secured loan repayments................. £240.00
Rent.................................... £210.91
Credit card repayments £200.00
Management charge (leasehold property) 0
Council tax............................. £83.00
Electricity............................. £30.00
Gas..................................... .£40.00
Water rates............................. £30.00
Mobile phone............................ £30.00
Groceries etc. ......................... £18.09
Petrol/diesel........................... £15.00
Car Insurance........................... £30.00
Total monthly expenses.................. £927.00
= BREAK EVEN!!

ragstoricheswannabe

Looks good, but how are you going to get your food for the month with £18.09?????? or have i missed something??? or is this just for this month?????

Pips_Mum

Ummmm to be honest dont know!!!
This is just this month next month will be a whole load more to stress over!!