Just wanna cry :(

mumps

Thanks Kacie, I was trying to work out how to do that. Im not very technical.
Good luck Money786, I'll watch out for you starting a thread and come to support.

Keeping_Positive

sugarpants wrote: »

MRcow (love the name...fab!!)
Whats snowball ? Sounds great.

http://www.whatsthecost.com/snowball.aspx

This should link to the whats the cost snowball calculator if not search under that name.

Money786

kacie wrote: »

Back on the DFW page thete is a blue button at the top saying new thread, click on that and post all your details there, also if you are able to post a statement of affairs, with all your incomings and outgoings

Im sorry, im still lost, i tried to find what you said. Can you also confirm what DFW stands for? Also i cant see any blue buttons

Help!!

kacie

It son the Debt Free Wannabe board, under the sub-board headings, on the left hand side

Keeping_Positive

Go to the Debt Free Wanabee (DFW) board ( top of this page should have forums > pure money> Debt Free Wannabe) and the New Thread button is near the bottom left.

xnatalie81x

A 3 BED HOUSE and your gas and electric are soooo low WOW i pay 84 elec and 41 gas for a small 2bed! and that is me and 3 kids! Which leads me nicely into my suggestion - have you thought about going on your councils housing list.... I rent privately. Have been on list 1year and nearly have enough pts to get our house. It may take 3 years or more but it will be cheaper. I'm looking at going from 725mth to 400mth max!!! And that is 2 bed to 3 bed as well!

Ignore me if that sounds like rubbish lol

skint_chick

I just read your thread and I agree with everyone else - you are NOT a bad parent for not owning your own home/having a holiday every year/spending a fortune on your kids. When I was younger my parents weren't well off - we wore hand me downs from cousins, went on holiday for a week at the local seaside 2hours away in a holiday chalet with my grandparents (I think they paid) and we didn't have luxuries. My parents really struggled to afford anything. But I had a great childhood - they made the most of free activities and resources and the most important thing was that they spent time with me.

Pasta with cheese and beans is one of my favourite meals - and if your kids are missing Butlins you need to get creative with cheap days out - get them to bring a friend each to the local swimming pool, make a treasure hunt with local landmarks etc, library book readings, adventure walks when it's dark with torches, picnics (when it's not snowing )

With the debt you just have to keep going with it - think of it as practice for if you decide to save for a deposit/have a mortgage - you'll be great at saving if you keep going with paying off your debts. Then you'll be able to overpay a mortgage too. So this is the start of your new financial life.

Good luck and well done for getting this far :T

Caroline73_2

Raksha wrote: »

Just a word of warning re Mystery shops - you will need to pay for your purchases upfront and then reclaim the money from the MS company. If cash flow is a problem now, you might find this temporarily makes things worse. It's also easy to do lots of shops because they are earning money, and forget that you end up spending money on things you don't need/wouldn't have bought ordinarily.

You can do mystery shops at banks, or a lot of telephone stores. Most don't require purchases.

Kittikins

Hi Tigz - unfortunately I've not found a Fifi lunchbox yet, was hoping DD would be happy with my inferior lock&lock plain old lunchboxes, but reckon I won't be able to get away with it, she's as stubborn as a mule sometimes my DD (can't think who she takes after *whistles innocently*)

longhotbath

Kittikins wrote: »

Hi Tigz - unfortunately I've not found a Fifi lunchbox yet, was hoping DD would be happy with my inferior lock&lock plain old lunchboxes, but reckon I won't be able to get away with it, she's as stubborn as a mule sometimes my DD (can't think who she takes after *whistles innocently*)

Hi Kittikins, there is on one ebay at the moment!!