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

mummy2mygirls

I think its 40% of what ebay charge the seller, when the item sells, so you will get 40% of that but it wont be 40% of the full price you paid....not very good at explaining am i!!!!

ragstoricheswannabe

ok, so when i go back to work it should look something like this:


Monthly Income: [STRIKE]£2237.00[/STRIKE]£2829?

Monthly Outgoings: [STRIKE]£2135.32[/STRIKE] £2500.32?

Personal loan = £173.80
Joint Life Ins = £22.33
Sky/broadband = £32.00
BT phone = £15.00
Council tax =£115.00
Water =£33.07
Dentist =£16.50
TV License =£11.61
Mortgage =£865.01
Gas & Elec =£56.00
Mobiles *3 =£160.00 (18mth contract on 2)
Childcare =[STRIKE]£180.00[/STRIKE] £440?
Food =£200.00
Kids savings =[STRIKE]£5.00 [/STRIKE] £10 for 2(pays for things needed through year)
My savings =£50.00 (pays for car tax, ins etc & emergancies)
Petrol =[STRIKE]£100.00[/STRIKE] £250.00?
Xmas saving = £50.00

so by my guestimate that leaves £328.68 for anything not budgeted and debt repayments except for the loan which is direct debit every month.

thought i would be a little better off but it looks like not by much, need my manager to look into the childcare vouchers which should help bring the childcare costs down but still need about £100 extra in order to meet my target!

i have added the xmas fund as sick of trying to pay xmas out of two months wages or my savings, least next year i will have money for it. Working it out it would give me around £500 as wont be starting it till march when i go back, wont be spending that much so can use the left over money to throw at the debt.

this is of course, if everything goes to plan, may have to budget my oh's garage and coffee habit or find a way to stop it in the next week (before he goes back to work)

will hopefully be working oppisite my mate who lives around the corner so we can have set days but that means we will no longer be car sharing.

think i may have set myself a challemge i cant succeed in...................................

ragstoricheswannabe

ooh thats a bit cheeky with ebay as they dont explain that when you go to click on the link!!!!!!!!!!!!!!!! oh well it is something i will use often so still a bargain at the price i got it and wont be gathering dust.

Pips_Mum

Have a lovely New Year Rags.
Its been great having your support + friendship so far this year.

:beer:Heres to a debt free and frugal 2009:beer:

ragstoricheswannabe

WISHING EVERYONE A HAPPY NEW YEAR!!!!!!!


Heres to more fun, frolics and friendships in 2009!!!!

oh and some debt paying along the way!!

love rags
xxxxxxxxx

miemie

HAPPY NEW YEAR RAGS, Here's to paying off our debts and living a frugral life and most important being happy and healthy.

love miemie

how's the weather up there it's blooming freezing in Lancashire

ragstoricheswannabe

oh my god, stayed up till 3 this morning and really regretting it now!!!! my two children decided they wanted to get up at 7.30 and my fella wouldnt wake up!!!!!!!!!! felt rude going to bed whilst everyone was still downstairs so stayed up till the last one went and then me and my fella had a little tidy up so we didnt have to face the mess this morning.

hope everyone had a good new year??

the weather is blumming freezing here too miemie, it actually snowed here yesterday for 10 mins!! its saying its -4c out there. have to go to my fella's dads this afternoon for dinner so least i dont have to cook today:D

need to find a diary that has an organiser in it to keep me on track this year, but am not paying for a filo-fax (how/why are they so expensive??!!) anyone found a good one? hoping they will be reduced a little now its jan?!

right am off to check my online account and check for surveys and scratchcards!!

love rags
xxxxxxxxxxxx

Pips_Mum

3am!! You dirty stop up!!!

ragstoricheswannabe

i know and totally feeling it now!!!!! lesson learnt, dont have a party of sorts on new years eve when you have to get up with the kids the next day. having a strong latte to wake me up then going to jump in a hot shower in the hope to look vaguely human like!!!!!:rotfl:

won 30p on my scratchcards , no surveys and bank balance not looking healthy but not as bad as i thought, will have to wait for mortgage to go out tomorrow to asses the damage to my overdraft, think i may just keep it in with last month................fingers crossed!

ooh and my ds2 needs to stop growing, he is 4 months old and getting to small for his 3-6 month clothes!!!!!!!!!! is in 6-9 month clothes today that are a little too big but not by much!!!!!! gonna be a tall lad me thinks...........

ragstoricheswannabe

i am on here trying to hide from my ironing pile, it is slowly taking over!!!!!!!! its one job i used to love doing when i was about 10 and would do all my nans in the summer hols when she looked after me and my brother, but now i hate it as i have to do it!!!!!!

i am officially sick of food!!!!!!!!!! sick of cooking it, seeing it, smelling it and eating it!! think you get to a point after xmas where you cant eat anymore......

ds2 is a bit grumpy today as he is cutting his second tooth slowly so doesnt know what to do with himself. wants to bite down on things but then that hurts him..... restless night ahead for me (really could do with the sleep though)

have decided i am going to sell all the baby stuff we no longer use, dont think there will be a baby no 3 and if there will be it will be a fair few years down the line. really need to declutter. think i am going to go through all my size 10's and sell them too, its getting a bit depressing having them in the nursery as a reminder. just need to get my butt in gear and get the items photo'd and listed.