First day of rest of my life

Cialilerin

Welcome back. Problem is - I threw the whole lot away after the umpteemth time of picking up those horrible little swords and vowed never to get one again - that was in my pre-moneysaving days.......

Cialilerin

Morning!
I have spent all weekend looking at my SOA and trying to trim bits off my spending. It's so easy to do on paper
I haven't done a weekly shop this weekend - the kids are disgusted! THey are so used to having cupboards full of fresh food and chocolate every weekend. Anyway, I decided that the cupboards are full of tins and packets and the freezer is half full of various bits, so we're going to use them. I will go to Aldis today and get some fruit and stuff but I have a £5 limit. WE should be able to get by on just getting bread and milk for rest of week!

Checked my Virgin statement. I owe £9800 - did a balance transfer 10 months ago. Anyway the o% interest period is over so they charged me £178 in interest and payments have gone up from £25 to £183, so will only be paying off £5. Got to get this sorted out so have considered a loan but am also trying to work out how to shuffle a few of my other credit cards to do some balance transfers! A loan over 5 years will cost about £190 a month, but I really want to be debt free before then. Decisions, decisions!!

Sold something on ebay yesterday for £10. Might motivate me to list a few more things now!

Have a good week

Cialilerin

Well, it's only 3 days to payday.:) We have £65 in bank (or at least remaining on overdraft!!:o) I have approx £150 left of family allowance (that goes to another account!) but still feeling a bit low.

Tomorrow I want to finish a little earlier and see if I can look into cc transfers so I can nip Virgin in the bud before they start charging silly interest! I also need to write to tax credits and appeal against their decision I've been overpaid.
However, work is mad at the moment - in my team there are 8 people at my grade, one is on leave, one is newly qualified and on protected case load and 2 are off sick, so the work is just too much! I'm also still waiting for dh to see neurologist so don't know if I'm coming or going.

Good news, have decided to organise a bit of a night out for those still at work on Friday. Will probably end up with about 5 of us getting drunk -sounds perfect:)

REDMADCURLS

Oh your work sounds scarily familiar!!!!

As does Virgin nightmare, sadly though balance transfers aren't even an option for me

Good Luck with the shuffle!

PS Night out sounds perfect therapy!

Cialilerin

Didn't get home markedly early but have managed to apply for another credit card - went for Halifax 6.9% life of balance so fingers crossed!!

REDMADCURLS

Fingers crossed xx

Herewego

Hows the baked beans going this week, just written down whats in my freezer and now I have to make a weeks meal plan. We will cut back on food ans shopping I am determind its always food that seems to sap my money.
Good luck with the new card

Cialilerin

I'm managing fine with eating 'whatever', but the kids are revolting (in every sense!) :rotfl:They haven't stopped moaning and even paid for themselves to have a McDonalds the other day;) We did buy some Rice Crispies at the weekend, but went to a local shop and they were £2.50 for the smaller box, they've run out now and so will have to wait until I go to Asda, but apparently we have nothing in the house for breakfast - apart from 3 loaves of bread (but they don't want toast!)

I may copy your idea and write down everything we have in freezer and plan meals around it - the kids will hate it, makes me want to do it even more:rotfl:

REDMADCURLS

LOL Cialilerin you are hillarious.

(PS Freezer thing worked well for me)

Cialilerin

Finished work early today as dh on course and thought I'd better get demon child from nursery! Sadly was knocked off my feet by a headacheand felt so sick, so when dh came home I went to bed and guilty said just use the nuggets out of freezer and grab a bag of chips from chip shop!! Had hour lie down and feel more human now

On bright side, got wage slip today ready for tomorrow and got £150 in expenses back Don't feel so bad about going out tomorrow cos I know I'll only spend about £20.