Chops Chipping the credit card debt!!

chops22

ok so money plan for this year...

Debt payments £740 (minimums are £530)

Food and house £200

Entertainment £300 (I am planning not to spend all this)

Savings £100

this leaves us £60 a month spare, so will be like a household float!! (so wont have to raid kids pigy banks when window cleaner arrives)

chops22

Its still thick snow....wish pj's and uggs could be worn for work:rolleyes: hmm don't think I can get away with that even if I keep my coat on!!:eek:

I am on cup of tea uno....the packups are ready, wellys and coats warming near the back door, other shoes in a bag.

So just checked the banking, and now off to finish getting ready.

Will have to wake the poor boys up, hate it but needs must. They get breakfast at before school club, so just a drink and wash and dressed for them.

Hubby will soon be home, bet he was frozen last night!! At least he has a few days off now. I had best move it!!

Have a good day

chops22

Not long been home, so tired but got treated to tea out...good for MSE..not so good for loosing weight..but I enjoyed it, was lovely to see all the family. Made a nce suprise.

Glass of wine tonight...or maybe two;)..as it is so cold. Feel tired..as been a worker today..for a change.

Lots of people did not get into work today, and it was hectic and the phones were ring , ring , ring...really enjoyed it. :j Had to do a few different jobs, it was a nice change..and glad to be back in the swing of it.


Got a letter to say mortgage has changed to standard rate...so its now a £100 a month cheaper....sounds good but I had already guessed it would be around this mark, so no actual change to the budget for Jan....actually slightly disappointed, as I thought it would go down a little more than this (hmm know I am a greedy girl!!);)

Can't get on virgin scratch card..its anoying me, but got 10p of the other one. :T.

I am off to put clean bedding on in a mo...then will be dying to tuck my self in with a good book!!

missymoo81

hey hun wow how organised are you? you're like superwoman, and how I wish I could wear my jarmies and frog slippers to work.

I'm already tucked in, have been since 1930 if I'm honest!!!!

Glad you're doing so well hun

x

chops22

Ha frog slippers....sound fabulous!! Don't blame you for getting all snuggled up!!

I am trying hard to stay organised..but its so hard in january...motivation seams to dissapear!!

missymoo81

oh mine has already upped and left me for today but will try harder tomorrow!!

I love my frog slippers, OH's nickname for me is froggy (dont ask!)

chops22

Ha fab nickname!! I am intrigued!!

Mine has gone for today now too...off to find my hotwater bottle. How very rock and roll ehh!!

missymoo81

lol its not a good story behind the nickname i promise!

oooh i wonder where my hot water bottle is.... mind you for some explicable reason upstairs is boiling think it might just be because I have my laptop on my knees and its rather hot.

and we definitely know how to live the high life don't we

chops22

I can't find my little key to take a meter reading and its driving me potty!!! I need to get back into the habbit of taking the readings every monday.

DS2's school is closed tomorrow, so only DS2 and my lunch to make in a while...waiting for the dishwasher to finish...and looking on here while I wait.

Had a NSD today, more cause it was cold and horrible and I couldn't be bothered to go out.

I have £30 cash in my purse to last till Wednesday...:eek:. Think we can do it, just need to get a joint for sunday, some gravy granuels, some custard (kids are addicted at the moment!!), and some cheese, grapes and apples. I think I could get this for about £15.

I need to pay for my lotto at work, but its only £5.

Got the petrol statement and we are £31 under budget...this comes out of Januarys wages, so I am going to pay this £31 off the MBNA.

Hubby filled up yesterday , but this will come out of Feb's money. I really want to watch how much we spend on petrol to make sure we keep on track.

Its so cold, caught hubby turning up the heating...so told him to go put a jumper on. He would sit in shorts and T shirt next to the fire if I didn't nag him I'm sure.:mad:

Work tomorrow, then the weekend:T:T:T:T

chops22

Hmmm feel guilty, I am still on here, and I can hear hubby emptying dishwasher.....is it wrong to just go sneak in the bath?