Is it wrong to want it all? Ramblings and other stuff

LittleBit_2

I've not posted for a few days, so here's the latest update.

I picked up some clothes for DS from Freecycle last night and most of then are lovely, some Next and other nice stuff.
We have £18.61 left in the food budget to last til Friday, so hopefully that will be spare as I don't really think we need anything else.
We've gone over on Diesel by £10, but that's cos hubby had to travel for work, and he will be getting about £50 back in expenses.
Spends is still within budget (so far)

Also, the plasterer is booked for Monday so it will finally be getting done!!

This weekend hubby will be finishing the plasterboarding in time for the plasterer to come and skim. Hopefully we'll be going to a local agricultural show (budgeted for in our monthly budget), and then on Sunday it should hopefully be a quiet day.

Then next week it's my birthday I think hubby is off to buy me a pressie today, he's under strict orders not to spend too much :rotfl:

Dinah93

Read through your diary and its an interesting read. Am I missing something or did you never get around to posting your SOA?

LittleBit_2

No, I never did get around to it. Will post it up tomorrow.

mum2one

LittleBit wrote: »

Well I'm shattered this week. DS has been prescribed Tamiflu and so has to stay away from the chidminder this week. He is over the worst of it now, and just has a runny nose and a horrible cough. I'm trying to work from home whilst keeping him entertained, and it's just not happening!
On the plus side, we can't go out anywhere so we haven't been able to spend any money...
I'm still waiting for my HIP grant to hit the bank account. I've told DH he can have the Guitar Heroes Metallica game, and the rest is going in the savings account for the baby.
Right must get some work while the little fella is asleep

Hi
Just came across ur diary,reading away with interest...I'm guessing the HIP grant is the new maternity grant......does DH really need that game now or can you wait and look at other methods eg. surveys, clicks, cash-backs, or budgeting?
x

janninew

Hi

I've just read through your post and i will come back each evening for a catch up just cos i'm nosey!!

You sound like your doing really well so far - good luck and keep posting!

LittleBit_2

mum2one wrote: »

Hi
Just came across ur diary,reading away with interest...I'm guessing the HIP grant is the new maternity grant......does DH really need that game now or can you wait and look at other methods eg. surveys, clicks, cash-backs, or budgeting?
x

Yep it's the new maternity grant. DH has listed a load of stuff on Ebay that he's selling so he can buy the game himself.

He doesn't really need it now, but I reckon he doesn't get many treats, so it will be nice for him to get something he actually wants and will 'play with'

LittleBit_2

Grrrrrrrrrr not a good spending day today!!! A bit of emotional spending going on, will get back on it tomorrow.

LittleBit_2

Well we seem to have got the spending back on track

We've had a couple of days out though, so we need to be really good for the next few weeks. We're still find with the food and fuel budget though.

We've been looking at bikes for DH too, and it looks as though for a new one with all the kit (helmet, jacket, lock, boots etc), insurance and tax it will be about £2100 :eek: We can get it on finance, but we're thinking it will be better to get it on a credit card at 0% and then pay it off ASAP. We should be able to pay 1k off it when baby comes, and then pay the rest off when we get our bonuses in April. I HATE having finance, but I can't really see another way round it. We don't really want to get a second hand one, as neither of us know anything about bikes, and also we would get no warranty...

Nitha

So glad to hear you aren't using the HIP for a game. It's really for food and vits for your unborn baby (ie you!). Even if you don't need it for food buy a good breast pump with it (my BP saved me a fortune in formula when I couldn't get the hang of b/feeding naturally).

You say your house is chintzy at the mo - have you thought about going 'shabby chic'? Would save a fortune on 'doing up' the place.

I'm in similar circumstances - looking to clear down overdrafts to become a full-time mummy (although I'm still TTC the second!)

Why does your hubby need a bike? The current economic climate plus your desire to become an SAHM mean that any form of additional debt could be dangerous

mum2one

I can see where your coming from re the bike, I always seem to be a damp squid, not intentional honeslty, you say you could get 1k paid off b4 the baby comes, and the rest with the bonus in April.

Please bear with me while I play devils advocate.
Sorry - cant remember how far gone you are, and how the work situation is, but what would happen if you had to go on maternity leave early,
Is the bonus guarenteed?

I only ask those questions, just that before I found out I was pregnant with dd and it wasnt a kidney infection (how they got the diagnosis i dont know), I ended up going off work sick at 7 weeks gone, and didnt /basically couldn't go back.
Ok, this was back in 2002, but my income dropped from 1k a month take home to £300 pm......the debts rolled + rolled, robbing Peter to pay Paul, using credit cards. then when I had the chance to clear my debt in 2005, (I sued my ex employer for unfair constructive dismissal - took an out of court settlement), I could of been debt free, but I only cleared a loan, gave my parents some money I owed them, (4k gone) the other 4k I blew on holidays..... ok I have the memories, but still a millstone.

On a positive note-
What would the bike be used for, is that to cut down the car journeys, or for you to have the car and hubby have the bike.

Maybe when you put up the SOA, there may be additional ways of cutting back on certain things or cashback sites when you make certain purchases, and use those methods towards the bike, and maybe start a bike fund?
xx