November.2015.here.we.come

mum2one

I'm looking forward to Christmas Eve, the great plan is everything will be taken, and DD and I can have our xmas eve treat a pizza.

Poor dads having to run me around, and bag carry... not to bad today, popped into Morrisons few bits from there, then down to Iceland for a few xmas goodies

Bar the fresh stuff everythings got, we've not gone ott with everything, the only extras are really the pud and salad stuff for tea, and I reckon we've spent about £50 extra between on extras, pretty good going for us, compared to what we have spent in previous years.

Back to debt busting 2mor, paid 1st payment today from this batch of money, £32 to Ev'ns store card and as my mimimum payment is less than what I was paying on the arrangement, its now come out of collections dept, and now self managed, so more bills to be paid by Friday that be all this months done!. So plan a good debt busting for 2012.

xx

taxi73

Ouch to the shoulder hope it gets better soon...well done on debts and shopping

mum2one

very prond of myself today went into town, £4.50 for carparking and scooter hire godsend
Got the last few bits for xmas, all wrapped now, never want to see another present. Started drawing money out and paying cash, really making a difference as so determined do I really need it, and I reckon that i'm spending about half of what would have done previously. Keep that going in the new year, the plan is use spare bank account, and put months spending money in there.

Had a nice surprise today, we got an xmas card from our old GP, bless his heart he'd put a little message in for everyone. Makes you feel humble, but valued. I know on the thread theres an unspoken bond, DD was happy bless her.

Taking DD and her friend out 2mor, means dad now has to come with us!! as he says there no peace for the wicked, xx

taxi73

have a nice day with DD and her friend and make sure you get some nice relaxing time

mum2one

Our family outings neber run to plan, mum ended up coming, then we were runnning late, passed 2 speed camera vans en-route, but 99.9999999% sure was under speed limit.

We had an amazing day, as soon as we got the weather was bit mixed, so we asked about indoor playbarn, really impressed £3 per child, and unimited entry all day, we didn't know we'd got them, all had lunch, then went and fed donkies, minature ponies, goats and pigs polos mints, when we moved away the ponies were trying to get out, back to the play barn, we got there at 11am, left at 5 that was only coz they were closing.
Mum and I chilled out, glad the loos were nearby, i was drinking pot of tea, and each one had 3 cups worth. Treated the kids to McDonalds on way home, but we weren't allowed to sit with them, as we would cramp their style!.
DD has 2 main friends, there literally opposiate, the girl today, she was amazing, so we were able to give them some freedom, but still keep a eye out.

The lady who runs the cafe there came out with a Hello Kitty selection box them as an xmas prezzie, so weird as was going to get DD that exact one yesterday, but there was a bogof on another brand, (which won being mse!).

Moneywise - the good news is now come out of collections dept with 2 cards a good morale boost, managing all repayments, no late charges, all flowing well, got to see how next yr goes as review between March and July (different time limits), but as I'm paying more than I offered, only a few quid, but shows willing, so all looking good, and 75% sorted with dates, ironed out most of the blips, and Jan, be base month, but again get there.

Have been reckless, but with everything going on, and it was bull by the horns, also give me a massive incentive to loose some weight, won't be fit in sense of running a marathon, but want to keep the mobility and muscle useage got now. DD and I are off to Lapland next Dec for 4 ngts. It was something we both wanted then when she thought Santa didn't exist, she wasn't going, but bless her she had been saving 1ps, 2ps and 5ps and gave me to put in the account, been saving since Sept from carboots, ebay etc, she'd got £10, felt so quilty putting in bank, thought if we don't do lapland then 2013 I thought we could do Benidorm, she wants to go there. But got a brilliant deal Lapland, hotel in middle of a forest!, was my 2nd choice of hotel, (due to location), but it has a all inclusive package, cheaper than half board at or 1st choice. So from 2nd Jan, be lose weight, save every penny, live like a hermit, and the end rssult will be something for us. Also gives her something positive to focus on.

I've worked the money that at a major scrape we can do it, and be bigger incentive to pay debts. Big incentive being dropped from collections dept with the 2 cards, but I'll still keep the same money going out. Jan start doing some snowball planning. Know won't meet Nov 2015, but intend to pay every penny back. xx

mum2one

DD is all exicted about Santa, just can't work her out one way or another, but its giving her a smile, sp can't complain,xx

taxi73

hope you all have a fab day

mum2one

thank you, had a good day, very quiet, crashed out most of the afternoon, kept the suitcases for 2mor, could be a sore point! Bailey brought her a set of VW campers items, she was oh not more!! but she was as good as gold bless her.

Must say Bailey stole the show, we brought him a teddy bear and he wouldn't let it out of his sight, even took it for walkies twice!

think 2mor be another lazy day, then Tues/Wed got Ou assisgnment to do, all fun and games. At least in May this yrs OU will finish, and hopefully won't start till next Feb, thats funding permitted. xx

taxi73

Sounds like a lovely day and lol at Bailey.

BEAT_THE_DEBT

Hope your enjoying your christmas you ahve worked so hard this year.x