November.2015.here.we.come

Pips_Mum

Its lovely to receive hand knitted cardigans they are so personal and unique and its great that it keeps your hands busy.

x x x

mum2one

Got 4 sets of presents wrapped for Feb bdays, got 1 more to do, think thats up-in loft.

Best bargin mums friend-
Boots - Elle Bag (was £40 - got it 3 for 2 worked out £17.00) (off mum)
Tesco - tea mug with biscuit, teabags and little teapot shape for used bags (£4.00 - got it for 87p) (off me)
Down in Devon - got 2 little flower pots with the clip for photos - 50p for both.

Had the New Years day - can not face another xmas pudding - mum was so plzed theres one in the cupboard for Easter.

Lucky re weather as dad takes dd to school, been out once - fri - knackered the back walking on snow - so been stuck inside - aim out Wed - got to go to the bank, hopefully weather improve soon, can't even get out to the back garden as Bailey doesn't like going out by himself -sure its a ploy to get belly tickled thou.

Hope the weather improves Taxi, glad you've got the mortgage to fall back on, those race tracks looked really gd value, don't know if JJ likes football, but in Argos they've got this 4 piece boys set £6.66 instead of £20 - bargain got 2 ready for presents.

http://www.argos.co.uk/static/Product/partNumber/2862480/Trail/searchtext%3ELUGGAGE.htm

xx

taxi73

Those are fantastic value Mum2one..thanks.
The snow and ice is pretty scary especially for people not so good on their feet.
We've got rain now so hopefully the snow/ice will melt.
You certainly know how to find the bargains.

mum2one

just done some of jans payments and including the loan now paid 331 this month...... still got Evans, cap 1, dads visa to pay...

Decided against a snow ball as cards are all over the place got one on 0% deal think for 6 mths, another 9% on purchases made until 1st March, got to check whether that % carries over on the purchase made or whether the balance reverts back to normal, the halifax on life of balance at 5.9%. which is 2k I lent dad, but be a 4 yrs b4 get that back, so dribbling payments, and the loan.... thou I lent him 2k, I give up with money and the family, I guess in a way we all pool things together and the Sky bills thats instead of paying the garage, (dadpays), bday and xmas (bar us) I buy, its to the point that they've helped me out in the past many times, esp when having DD lost of income lost 75% when was off sick, most of the pregnancy, and since then with the situation and until I had the lightbulb moment, think it was the 3rd one, (this one), so just figured my loan finishes Nov 2015, when I'd originaly done a snowball on batch of debt figs it was Nov 2014 then got the savings etc to replace, so if I can aim for at least 5k again this yr, (last yrs snowball was based on 3k year repayment - before loan etc).
If I keep hitting the 5k target my loan is 2208 pa, so that leaves 3k for cards.
(159 dads card but borrowed from a+l - (35 bailey - 25 cwp , 100 debt)
PRESENTLY-

EVANS - £950.00
VANQUIS £40.00
AQUA - £2000
BARCLAYS £600
HALIFAX £2200
OWE DADS CARD - 2350
CAPITAL ONE - £250
PERSONAL SAVINGS USED - 5296
LOAN - 70 PAYMENTS LEFT £183.69)- 12880

All I can do is do it month by month, as soon as the bills come in I set up payments for later in the month, my money cmes in all over the place.

In one way part of me feels carp and I shuldn't have holidays and etc etc, but in all honeslty its not dds fault I'm in this mess, we live very cheaply, do everything on a budget. When we were away over new year, she said about what some of her friends do, (they have everything - but they have 2 parents earning gd money etc), but she she said I would rather go the cinema on a saturday morning and have fun with you and nanna and dadda, and have my holidays as xx says she never sees her mum shes always working or busy at home,but your all there for me. i love that....

I'm on the scenic route, still holding out for my millionaire...... or the lottery win, until then its the scenic route, I've jigged figures and this years earnings is £11500.

GOOD NEWS GOT ALL BIRTHDAY PRESENTS SORTED TILL DEC (bar mum, dad, dd) and half the xmas prezzies done.

Got box of mix and match ready for when dd getsinvited to bday parties, have put £50.00 by in case we need any extras.

I'm ok. xx

taxi73

You've no need to feel crapyou are doing great.Look at how organised you are for presents for throughout the year.You'll soon be rid of Vanquis card freeing up money for another car.
Kids say the nicest things sometimes...bless her.

Keeping_Positive

Did a post last night but system logged me off :mad:

Anyways brief synopsis:

You are a great Mum
Going the scenic route is good as you are still heading in the right direction
Cant beleive how organised you are ref birthdays and xmas
Keep Positive!!

Love KP XX

Pips_Mum

You are not a carpy mum you are lovely and DD obviously appreciates the time you spend with her more than materialistic things.

mum2one

U 3 ladies are wonderful, thank you.

The birthday / xmas, try to get organised early work around OU, thou the plan at mo is b203 finished June (exam - HELP), then BU103 thats May - Nov Level 1 - no exam, and DB234 Money and marketing, thats May to Nov Level 2 - no exam, so Dec and jan should be free months, as level 3 business start Feb 2011, fingers crossed pass that and the b203, I get a Degree......scary... thou if I can get b203 passed 1st time, I get a Foundation degree, be in time for my 40th, be a good achievement xx

mum2one

Very sassy shopping today, my friend gave me £20 Evans voucher, so spent it today, got the best bargain, when the summer catalogue came out they had an orange top with brass detail on neck was £45, reduced down to £5.00... my size was the only one left.

Got
Orange top £5
Black leggings £15
2 x nighties reduced to £5

So only cost me £5 - xx

taxi73

Great bargains..I must get down there as I have £130 of vouchers here now as DS3 gave me another £50 today.I'll have some more in a few weeks as it's my birthday.