Chops Chipping the credit card debt!!

chops22

Oooh Blooming heck Miemie...your are a night owl. Hope you have a lovely day today.

Checked my online banking, checked got the bonus at bingo, so some jobs done already.

I have had my ready break, just off to get ready for work...got to get the boys up...not nice as its cold and rainy here today , hate dragging them out of bed.

Just looked at the dinner I made yesterday...beef casserol in red wine...it looks a bit yuk...hope it tastes ok as did loads in the slow cooker..

Right off to straightenmy mop..although looking outside I give it ten mins to frizz!!

Have a lovely day everyone:T

miemie

NIght owl -

Its cold wet and raining here too chops, don't want to leave the house but better take kiddies to school and go to work. I'm just finishing my porridge then better put some slap on my face, don't want to scare the children at work:rotfl:.

Hope the casserole tastes better than it looks, i'm sure it will be fine.

chops22

Hmm casserole was actually lovely, and I am pleased I just had to come in an do the mash...so much quicker..and no time to have a snack! :A

I did spend today, got a jacket potato from work for lunch, it cost £2, but if I had eaten the soup I had taken , it would have been a NSD!! Also bought some snakes for my desk at work for a £1 , had forgoten them!!

All accounted for in the spending book I keep in my bag.

This week I hae £67 for housekeeping...and I have managed to stick to it. Spent £42 on food and about £8 on cleaning stuff. So after the boys clubs and money they took for children in need fun day, I hae used the lot...but not gone over!!

We have also eaten really well...pork casserol, chicken curry, Roast beef dinner, shepheards pie (from left over beef)...so I am really pleased.

So this means I have the full £100 budget for shopping next week:T

chops22

Aghh had a total nightmare day at work..I am shattered.

I really need to sort my spends out from last night (tea with the girls and hair pamper!) and OH nipped for milk and bread..spent £22 !!!! can't face it tonight tho , off to bed!!

savingholmes

Hi just wanted to say hello!

Perhaps looks at the £10 a day challenge as a way of making extra money so you can still pay more off the debt while also building up an emergency fund!

If you post an soa http://www.makesenseofcards.co.uk/soacalc.html then you might also get some constructive feedback on where you might be able to change your spending. I found it very helpful...

chops22

Thanks SH I shall certainly take a look at the £10 a day thread, and I know I need to post a SOA...its just a bit scary!!

I have had laptop trouble, so not been able to get on here for ages.. I have been having to pre buy my bingo tickets every time I go to my mums, so as not to lose my bonus. I have one a couple of fivers, and also shared a house, so got another £7 this morning and alo got a line so today I have pocketed £12.

Managed to sell some toys, so thats another £20.

Other than that not much debt busting. I think I am going to chuck myself into it full force in January. I have completed the majority of my xmas shopping, and got a lot of money through top cashback.

This week is choca block with kids activities...choir, plays, school fayres the lot...so going to do a meal plan and also pencil in some must do exercise....also got to do an extra day at work so going to be a busy week.

miemie

Hi Chops well done with the bingo wins and making some money selling toys.

I've also got a nightmare week this week with kiddie activities and also cos i work in a school, i have loads of activities there that i'm helping with, i'll be glad to break up for christmas.

chops22

Just got home from school concert ...the second one of the day. DS1 was the star of the show, and had everyone in stitches. His teacher wants him to sgn up to an acting club bless..:cool: SO PROUD

DS2 also the star of the show...mainly cause his shepherds tunic was reqularly lifted up thus flashing his undies at the audience!! He is a monkey!!

No bingo wins today...and I must admit I am getting slightly addicted....I...so want to win at least a big £50 before my 30 days!!

Have been rubbish, and not been keeping a spending diary, so housekeeping dosh day tomorrow and a I am going to be 100% filling it in.

I am also going to add up every peny I have spent on xmas...so I know exactly what to aim for next year.

Really feel that the last week and a half I have let things....well everything slide...so full throtle tomorrow.

Going to do a shopping list and stick to it...I have not been very MSE LATELY.

chops22

hI miemie...I can imagine you are rushed off your feet working in a school this time of year. So not long till you get a well earned rest!!

I really appriciate the effort thestaff at my boys schol put in to make such wnderfl plays, fayres etc possible so hope you feel valued doing such a great jobx

miemie

Hi chops, yes i do feel valued most of the time, just now and again i wonder why i bother:rolleyes:, Can't wait until next Friday when we break up:j.

Seems like your doing great at the moment, i need to sort myself out and start a list for what food i need over christmas so i can start getting stuff in, instead of running round like a looney on christmas eve.