Trials and tribulations of a Debt Free Wannabee!

The_Golden_Goose

Hollyberry wrote: »

Also :rotfl: :rotfl: :rotfl: at The Golden Goose putting "heart, soul and kidneys" into it; that sounds like a truly moneysaving concoction. All the better served up in a fine new interview suit.

Now I do like that!!! :j

savingholmes

LOL Hollyberry and GG - and thanks for the support and encouragement... It does make a real difference when people take the trouble to post!

savingholmes

I've just done my car insurance saved £46 off my initial quote and cos I did via quidco will get £70 cashback plus £2 for searching gocompare!!!! So I make that £118 better off :money: than if I'd accepted my renewal quote! This MSE thing is so fab!

savingholmes

Hi all

Well today I was talking to a friend about MSE and we were discussing strategies for getting spending on track... we are still spending on non-essentials too often. His suggestion was to use cash but I'd rather not - especially as I get cashback vouchers by using my CC. But we do need to do something as currently we are still spending too much.

Sat down and talked OH thro our target revised budget for while I am not working.... We don't need to just live on his money as initially I will still have some bonus left in the main account... (excluding our savings)

We have agreed to go back to the £5 a week pocket money each idea!! (My DS gets £2.50!!, my DD 50p):rotfl: We used to do this at various points last year but have slipped back recently... The idea is we can use the £5 for whatever we want eg clothes, cinema, books etc but no more.... (ie save it up if necessary) Recently I've been spending quite a bit on clothes and makeup and stuff and he has spending it on games and other things... which needs to stop now my income has stopped.

The kids are going on packed lunches after Easter too as the weather should be warmer... Currently been buying them school dinners at £1.90 per day! OH has also agreed to take packed lunch eg smart price cuppa soups most of the week and limit his weekly work lunch spend to about £5 per week.

If we can manage that then hopefully we might get away with not touching our savings even if I am unemployed a while.... Here's hoping...

sistercas

SH sounds sensible to me , its so easy for the spending to creep up and up.
Can I ask you about the cashback cc? I have one which in about 3 months I will have paid off and so thought I would use when it was paid off for monthly spending and then pay the whole thing off each month. but how does the cashback work exactly how do you get the money you earn on it?

well done with the car insurance it is something I will definitely do when mine is due

Karen_30

Hi SH,

Well done on the insurance - great stuff! I only hope I can get as organised as you!

savingholmes

sistercas wrote: »

SH sounds sensible to me , its so easy for the spending to creep up and up.
Can I ask you about the cashback cc? I have one which in about 3 months I will have paid off and so thought I would use when it was paid off for monthly spending and then pay the whole thing off each month. but how does the cashback work exactly how do you get the money you earn on it?

well done with the car insurance it is something I will definitely do when mine is due

Hi SC - I have an M&S Money card - so I get it back as vouchers every 3 months.... I then use that for treats, clothes or pressies.... I think the M&S one is the simpler CC for cashback - not sure how others work. OH has an Amazon one that theoretically builds points but we haven't managed to release any yet.

Good luck with your car insurance when due....

Hi Karen - I don't know you would call me organised if you saw the state of my front room :rotfl: I am selectively organised... if it matters to me enough....! Does going to bed at 2.30am when you know you have to be up for Church sound organised to you - and getting there late ?:rolleyes: Oh well at least I can be organised when it matters - I am sure you can be too!;)

Karen_30

Oop's - better be an earlier night for your before church next time then :rotfl:

Know what you mean about being selectively organised....i'm the same. I think my example would be tidying the kitchen, bathroom and living room only when we have guests.....how bad :eek: But, it is only the rooms that would see, is that so bad

Finally cracked OH a little bit more today, nothing like a bit of communication (more so than normal!!) about finances, got him to see the importance of a bit more future planning financially I'll get there in the end, determined to!

Hope you are having a lovely weekend,
Kx

savingholmes

Thanks Karen - was able to see a friend for a couple of hours today who I hadn't seen for about 6 months... Some of the stuff I was given last week for my DD - I passed on to her for her little girl - as I think it could be 3-4 years B4 she would fit in them.... Nice to be able to bless someone else tho...

I still need to prepare for tomorrow's interview.... Need to make sure my suit is ready too... I just don't want to bother... Wrong time of the month and I am already shattered but there we go... it is important so I suppose I'd better leave this and crack on!

bigzippy

Good luck tomorrow SH