Bumbling along to be Mortgage Free

pammyj74

sorry to hear your son isnt well, i have been off with my lad, who cant even keep water down today. he has been sleeping most of the day and in fact his head is in my lap asleep as I type lol.

well done on your OPs this month,

NatFeerick

Hi Michelle and everyone - loved reading all your posts - this has become like a Facebook for MoneySavers!
I paid off my mortgage in November 2008 and I honestly believe that if you make small adjustments EVERYWHERE like I did, and stick to a budget, you absolutely CAN DO IT!
My top budget tip is you absolutely MUST make provision in the budget for everything you spend on and don't be afraid to do a weekly budget if it helps. I get paid weekly so I do a weekly budget and divide all my expenses into weekly equivalents (a lot less scary!) - INCLUDING A WEEKLY SAVINGS AMOUNT - if you can only put aside a penny a week, put it in the budget! Then I work out what is paid on Standing Order and what is cash (including any spare), which I put in my purse, and when it's gone - its gone. If I make a cash purchase on a card for some reason I 'pay myself' from my purse to my bank account. And my parting advice - if you can't cut your expenses any further, try to up your income - OP is shining example here!

pammyj74

cha97michelle wrote: »

pammy sorry to hear your DS was poorly today too. Mine isn't ill as such. Just whining a lot and being a complete pain as usual, but that is part of being 2 i guess. I hope your DS feels a lot better soon and the bug doesn't spread amongst you. I've never had more than one sick at once yet, and i am dreading it when it happens. :eek:

I have had my two younger ones being sick at the same time. I remember the bowl on the kitchen floor and them both leaning over it and me holding DDs hair back. arrrghhh not very nice.

SAHMto2boys

Sounds like you've had a busy day! Sounds good though.

Well done on thinking of giving the baby stuff away, think lovely you can help those around you. Hardly anyone I know is having babies so I was a bit gutted to have to get rid of most of our stuff. I've saved my moses basket and really lovely clothes just incase one of our sisters decided to go for it but I can't see it.

I love Primark. I know its not everyones thing but I do buy mine and DH's clothes from there - lots of times people will say oh I like that top or whatever and I have to smile cos I think yeah it cost £2.50! DS needs to dress like a footballer for nursery and got him totally kitted out for about £6. Oh, I fancy a mouch round Meadowhall now!

Oh, and congrats on the weight loss - well done! xx

Tesco_points_addict

Hi cha, sounds like a busy day:eek:

I always used to feel like a bit of a wally whilst taking photos, now I just don't care - think of the money! Although saying that I usually use my mobile phone which is not quite so obvious.

Have you joned up to ESA? I did a lovely job at a shop rhyming with TEXT today for them. Their pay is much better than RE and fairly straight forward. They pay you than add on anything you purchase (up to the agreed limit) so it works out better. The first time a read details about them I thought the fee wasn't too bad then I realised they paid for the purchase on top:j

TPAx

twinklie

Yeah I haven't heard anymore either so I'm guessing I'm not needed either. Shame really though...could have done with the extra money really.

gratefulforhelp_2

It isn't too late yet. I haven't been taken on by OCR for moderation, which is a bummer as I said no to AQA to do it. I am doing AS marking though (over half term, joy!).

Twinklie hope the pregnancy is progressing well.

Michelle it would be lovely to see you over on flylady some more, but I guess you have no spare time at all.

twinklie

gratefulforhelp wrote: »

Twinklie hope the pregnancy is progressing well.

:eek: Wish somebody had told me about this!!!! :eek:
:rotfl: I'm getting a dog in 2 weeks if that counts as pregnancy!!

Michelle, your lists tire me out. Don't forget to relax!!

setmefree2

twinklie wrote: »

:eek: Wish somebody had told me about this!!!! :eek:
:rotfl: I'm getting a dog in 2 weeks if that counts as pregnancy!!

LOL :rotfl::rotfl:

gratefulforhelp_2

twinklie wrote: »

I'm getting a dog in 2 weeks if that counts as pregnancy!!

OMG I'm sooo sorry. At least I can't see you so I'm not calling you fat:rotfl:
I'm very jealous of the dog, and I must have been thinking of another sparkly MSEr.

Michelle reminding you about flylady.