LBM!!! Pinkys NS Diary

Pinky15

Right have done all jobs as described. I currently am looking at the debris scattered all around the room. Especially as I have already hoovered and tidied everything away. I am sure my DH comes in takes one look around and thinks I have been sat on my a*se all afternoon. I have collected DS and fed 2, DD1 at grandmas so she has been fed there already. I have cleared table and kitchen. The 2 little ones are rolling around at my feet on each other hmmm!
Well have a pizza ready to go in for tea and some pancakes which need using up. I must get some washing on and my give myself a night off from studying and stick some things on ebay - then sit and watch corrie and eastenders!
I will make a list of all the things I need to pay for next month also. Since cutting up the credit cards if we don't have it - we don't buy it!! I have also seen a lovely house on rightmove. It is lovely 4 bed ensuite. If I can get everything paid off in the next 2 years I would love to get something like this - if we can ever sell ours lol!:rotfl:

Pinky15

Its snowing - it snowing yeah!!:beer::beer:
Am hoping for a working from home day tomorrow lol.
Well already into overdraft by £60 - but have a cheque to go in - some items sold on ebay and family allowance coming next week. Am hoping this will tide us over till next pay day - 16 days and counting.
Last night sat down and worked out what we had paid off this month -
So far
- £200 off crete hol
- £100 off disney
- £100 off CC
- £100 overpayment on mortgage
- £200 hotel
- £250 oil bill
I think based on this my Dh and I decided that for next few years we are going to skip going abroad and use the caravan until our debts are paid off. Once our hols are paid we are not booking any more. Instead all extras will come of CC and Loan. I feel really guilty cos this money should be paying off what we owe. However next month Dh is away for while month and should bring in pay plus extra £800 ish. This will pay home insurances for year and rest will come off cc card. In may the hols are paid so all extra will go off cc card. I am hoping come July CC will be no more:T fingers crossed.
We can then focus on Big Bad Loan and get rid.

Pinky15

Spent £12 today on basics eg milk, bread, bananas. That now takes my shopping total for this month to £124. We have been using stuff in the freezer and have had no take aways!
DH paid a cheque for £35 - mortgage exit fees - into our bank.
I have sold 3 more things on ebay. Once their is £50 in here I will transfer to our bank account!
Anyway next month I have £400 to pay towards my CC card. Based on these figures I hope to have card paid off around July! that would be great! Well thats cheered me up some! x

Pinky15

Hey ho another day another dollar! We are approx in overdraft by £100 despite trying not to spend anything. I have £20 in my ebay and another 7 things selling. I am aiming to put at least another 6 things on tonight. I hope I can make at least £50 so that will cut down our owing. Last month we spent way over and this crept into overdraft meaning what pay I had was all but gone once it had hit the account! Also we have a DD coming out of this for £100. This ends in may so we will have access to another £100 per month for repayments.
Today I am planning a relaxing one. We have already taken all the babies swimming. We had sausage rolls for lunch and splashed out £3.00 on some cakes from Greggs for after lunch. Total spend for today so far is £8.00.
DH has a stew for tea in the slow cooker. Tomorrow we are at a christening so we can stuff ourselves there lol!!
Its half term this week so I am planning little activities which don't cost the earth. So swimming one day, visiting a friend another, DH day off - swimming, then have 2 booked in childminders for another 2 mornings. So the week is fairly broken up. I get my F allowance on tuesday so this will pay for some activities and the rest must go off the credit card. I think the minimum is £124. Having said that nothing has gone on the card so at least we can see the total coming down.
For the rest of the day I need to -
Make some attempt to climb the ironing mountain - I may need some safety gear!!
Hoover upstairs
Sort washing and tumble dry what needed.
Change my bed.
DH is off at 2 to shift the caravan to new storage so hoping he won;t be out for too long. We have the fire roaring away today to save on oil bills. The oil seems to fly down during this cold weather.

Pinky15

Ps can anyone tell me about the daily scratches and clicks - can't remember what i was supposed to do! x

Pinky15

Today we managed to spend only £4. We have been out most of the day at a do. So have eaten out also. I am going to Asda tomorrow so am planning my meal menu for the week. using the stuff in freezer and the cupboards I hope to spend no more than £15. Although I am taking all the kids I will try and resist requests for this that and the other lo.
Jesa rose has kindly provided me will the info for free scratches so once kids are in bed am going to have a crack at that - will let you know how I get on!!
I have 12 things on ebay 6 selling and 2 sold today. I have rummaged about and now have another 6 items to pop on tonight. Hopefully I may exceed my £50 target. Unfortunately if we stay out of the overdraft we still have everything spent for next month. I finish my course in May and I am going to take a year out so I will be able to take on a little overtime and build up my ebaying a little more!
I have also managed to add £3 to my sealed tin. Once this is full it will go towards the CCard!
Next month DH is doing loads of overtime so that will dig us out of a hole as such.
My kind mum has lent us the money to store our caravan so at least it is put away till we can afford it.
12 days and counting till I get paid!!!!

Pinky15

Well have a payment for the CC today £125 so tomorrow when it has been paid I will be able to update my sig below - Anyone know how to stick a line through it????
Today I got the signed passport info back so once we get paid that can get sent off. I also need to sort out travel insurance which I have been looking through quidco for.
Yesterday I spent £40 at Asda and I have enough stuff to see us through (apart from milk - we need a cow really!) till pay day. I will make a lasange for tea tomorrow night, tea at mums tonight and I have a meal plan for next week! I know its a bit naughty but I booked a riding lesson in for friday but my sis will pay this time and its loads cheaper cos its off peak!:T
We are £100 into the overdraft boo hoo but I have loads of stuff selling on ebay so hopefully that will clear at least half off this! Fingers crossed.
I listed another 2 items last night so hopefully they will go too. We have a great stock pile at mums for car boot once the weather is better.

mooomin

If you type [ strike] to start putting the line through then [/ strike] to end it (Without the spaces)

[strike]For example[/strike]

Pinky15

Cheers me dear!:j

Pinky15

Had a lovely fairly quiet day today. DH took kids to the pictures (budgeted for) and i spent time at home studying with my little babe. I managed to get loads of washing done, all the upstairs hoovering done and went for a long walk as the weather was nice. I have however had a really sore throat and think my ear infections are back so I have a doc appointment in the morning to sort that out. We are currently still £100 in the overdraft - however 2 more things sold on ebay today so money is collecting in the account. I had to borrow another £100 from mum though towards a party we are paying for. I will pay this back on tuesday from tax credits so I currently owe her £330 that leave me £20 towards my childcare. I still owe cminder £20 for this week and have to find another £100 to pay her for next month yet. I am getting really worried cos we still seem to have no money even though I am now back at work. Everytime the tax credits or family allowance come in they go straight back out leaving me short on something else. Well we have no more money this month now apart from a tenner for milk. I also owe 2 weeks dinner money too. I would have preferred DD to stay on packed lunches but she really wants cooked dinners so I didn't feel I could refuse. the kids were really good when we were shopping and didn't ask for loads of stuff so the trip was pretty stress free!
Tomorrow I need to go to town to make the payment on our credit Card the minimum is £125 which seems such a lot. But since my LBM I am so determined to get rid of this debt and the n rock loan. If only I could go back and do it all again lol!!!
DH is doing loads of overtime in march as I earlier mentioned so I am desperately hoping this will pay some of the bills and get us back on track. I need to also start looking for some more items for ebay as I have listed most of the stuff so will have a dig bout tomorrow pm and see what else I could find. At this rate we will have nowt left in the house. This prob a good thing as I am always falling over stuff.
So this month I owe
- 330 to mum
- 20 childminder
- 100 to find for next months fees
- 100 back to my savings account - don't think I am set for any interest as we keep borrowing the money back! Have now reduced this amount to £20 per month till we get ourselves straight again.
DD i after a dress up wig tomorrow unless it is from the £1 shop then NO!! I haven't got any money for coffee and cake tomorrow so it will be a quick trip and then back home again!!!