My rags to riches, weight loss, yummy mummy stuff and 'owt else i can think of diary!

ragstoricheswannabe

Just had a thought, think with the extra money this month i will put towards paying mil off, i know i should put it towards my highest interest debt but feel awful at not giving her any money yet. We did tell her we will start paying her back once i go back to work but still think it will be nice to give her something, even if its only £50, least she will know we are serious about paying her back (my fella's sister owes her a few grand more than we do with no signs of paying her back)
Hopefully the egg card should come by next week so can balance transfer, that should gives us a little breathing space seen as we are soooo close to the overdraft limit. As wont pay off anything towards the hbos cc and hopefully the next as will be transferred so will pay off extra on the 1st egg card and mil and pay for the quad (my fella and his great ideas)

mummy2mygirls

Hello rags! hope the egg card come quick and you can do all the BTs and it should save you loads on the interest over the 0%..
Well done with all the ebay listings - i keep meaning to write up in the day for the listing in the evening on Auctiva (sp??) But havent done it yet....
Bless dd2 on not liking the jars - it might be the mince is a different texture for him at the moe even if it is pureed??or just doesnt like the taste! Its good if he likes the fruit and veg.
xx
xx

ragstoricheswannabe

never got round to playing around with auctiva today, but have just listed another 3 items so thats 10 now active in total. Really need to get moving with it if ds2 is ever going to move out of our room into his own.....

need to start making extra money to throw at these debts, my fella is working extra on sun so should be another £64 coming in...... got to use the £100 extra due to fix the car, needs brake pads, the heating transmitters (??) and the exhaust fixing. Hoping it wont come to £100 but prepared just incase. weighing up whether to try and get a leaflet dropping job, not alot of money for the miles and time but money none the less....... anyone else got any other suggestions???

mummy2mygirls

i did the leaflets for a bit - long hard work for the money you get but it can be done in your own time and free exercise so might be worth looking into, i might consider it after baby (and things settled etc) Also the phone books ive done that - its better money but they take a lot of space (but its only for the week when you need to get them out) and hard work as if its the yellow pages you can only carry so many each time and they are heavy - but again good for doing when you want - i will do this again but only if in my village as before ive done it in other villages and i end up spending so much in petrol as i only do a hr here and there. All good for extra money though....
of to bed now so catch up soon
xx

ragstoricheswannabe

Hello everyone, am writing this in between watching footie (come on everton!!!!) so sorry if some of it goes off or doesnt make sense.

Have listed another 5 items tonight to make a total of 15 items now..........couldnt face doing anymore, will have to take some more photos tomorrow and get my butt into gear. have nearly cleared one bin bag full, many more to go........... no watchers or bids yet but its early days.

started doing my daily clicks again, i know its not alot but its free money, need to go through the site and order random catalouges for the cashback and see if there are any other bits that gives me cashback without spending.

Didnt manage a nsd today but knew i wouldnt, the only thing was i never actually bought the flour for my bread that i needed today. Did get ds2 a little toothbrush that has a teething bit at the bottom for a pound........and a colour catcher for the washing machine as ds1 has loads of tops that are coloured with white sleeves and sick of them going grey with the dye. Means tomorrow wont be a nsd either as really need to make some bread!!!!!!:mad: Didnt use my debit card though, used the £7 i had in my purse so that is a bonus.......

nothing exciting to report, my grandad has had another operation to shorten his amputated leg and is doing ok, has started eating again and gaining upper body strength with the physios and my brother has decided he wants to join the army wouldnt be so bad but he thinks its a quick way to get his hgv license, deluded me thinks!!!! whole family trying to talk him out of it at the mo............

Oh and ds2 can shuffle backwards!!!!!!!!!!!!!!!!!!!!!!!! does this thing where he looks like he is skydiving then almost jumps backwards.... bless him , gets really mad though as he is usually trying to get to something and ends up moving further away!!!!

right am off to shout at the tv with my fella, things you do for love!:D

ragstoricheswannabe

Has anyone opened the a&l account throught the cashback site???? just looked at this and £50 is a good amount to get back and could use the account to put all extra money into to make lump sum payments????

ragstoricheswannabe

YIPPEEEEEE!!!!!!! everton 1, liverpool 0!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

ragstoricheswannabe

Good morning everyone! Well totally feeling it today from having such a late night last night watching footie and then ds2 forgot what sleep means............

Me and my fella have decided that we are going to withdraw £80 on a fri when he gets paid and then both put our debit cards safe in the cupboard. The £80 (although aim to get it down to £70) is for ALL spends for the week including the weekly shop! this should stop all the £2 quids here and there adding up and my fella doesnt think its just him being restricted........

Also going to open the A&L bank account for the cashback but going to use it to put all the extra money in we have earnt, ebayed and free money etc and then pay lump sums off the debts instead of dribs and drabs, this way it cant get lost or spent when in our account.

Going to try and do the weekly shop online (need to find these free delivery codes) so only get what i need and no temptation as i walk around the store. I know it means no woopsies but needs must! Think there is £5 cashback for the first order online so may do that tonight and get it delivered sat morning?? Hopefully that should be £55 cashback for my extra account!!! was even thinking about opening the hsbc one for the £20 but thought that was going a little too far.........

going to start using our market again for fruit and veg, may have to par boil and freeze most of the veg as it doesnt usually last that long and gonna see if i can get my fellas gammon joint (meat for sarnies) at the butchers, cant be any worse than paying over a fiver and most of it being fat like i am now.......

Plans for feb re debts:

• transfer hbos and next to egg2 0%
• pay £150 to egg1 (normal monthly repayment for all cards together)
• pay £100 to mil (using the council tax money)
• get car fixed with oh overtime due
• either put £64 overtime from this weekend to debts or overdraft.

hopefully wont have the loan repayments next month so will pay even more off debts as will have that and the council tax money!!!!! only have to pay for my pin number as extra next month. The following month will also have the loan repayment money to throw at the debts as get 2 free repayment months!!!!!

right, off for a to help me fight this tiredness,
love rags
xxxxxxxxx

ragstoricheswannabe

ok, need to rethink the a&l bank account as the ones they are offering for cashback you need to put at least £500 a month into it!!!! now i know i def wont be making that much extra money a month...... if i did there would be no need for me to be in debt, poo pants, will look into the hsbc one......

EDIT: ahhhh that one wants at least £500 a month into it as well otherwise they will change the account or close it!!!! double poo pants......

mummy2mygirls

thats a pitty about not getting the cashback!! Would be out of debt quickly if we could get £500 from extra things

Good idea to try the with drawing the money needed for the week it stops over spending!! Im giving it a go but have all the mths money out and its all split into groceries Dhs money for the weeks mine etc.... see how i get on....


you seem very organised with the debt repayments for the mth.
xx