First day of rest of my life

Cialilerin

Thank you both. I went shopping today and stocked up on baking stuff - great minds and all that!!
PWD - he did get a letter I have just found out, so that will be great. To be honest I'd rather thay upped the minimum payment - it stops the temptation of whether to make a payment or treat myself

Polly_Wolly_Doodle

Secretly glad i'm back at work tomorrow as mine go back to school!
Doesn't last, as soon as i'm at work i'd rather be at home with them!!

mummy2mygirls

Just having a catch up on your diary Glad you had a lovely bday and everything that went with it - sound like you had loads of fun.
Hope the school can help with the cost of the trip its a bit :eek: But i agree on it being good for the kids...hope you can sort something.

Have a good half term.

funnyflipp

Just found your diary
Keep going your doing so well

FUnny xx

Cialilerin

Thank you Funny!

Went out to look for a dog this afternoon in one of my moments of madness and on way to dogs home, the gearstick on my car stuck. Now I think this may be Gods way of saying 'what are you thinking you mad woman - you have 4 kids, 2 cats and a contrary husband!' Anyway car booked into garage on Friday:(
We still went to dogs home in dh's car, it was full of Staffies which I'm not keen on - although sis has a lovely one. THere were some extremely cute puppies, but not at home often enough to care for one, so I think that this is another sign that we are not yet ready!
Tomorrow I am going to spoil the kids (again!) WE are going ice skating, then for extra £1, we can have a game of bowling. Then off to Pizza Hut - kids eat free with each adult meal, so will pay for 3 and get 3 free. Will i get away with sharing a refillable drink? WEll, I'll try!
I have a few things to ebay so will put them on this weekend and wait for next free listing days for the bigger things. I have to start getting organised!!

Polly_Wolly_Doodle

Ohh C sorry about the car, hopefully it won't cost much to sort.

I'm with you on the dog temptation, our old one had to be put down last March and i struggled till November before we got another. DH wasn't happy as financially not good having another mouth to feed etc but i don't think it's a home without a dog. That's not to say i question my own sanity when i'm getting up at 5am to walk him but he's fab, despite the ripped sofa and chewed utility room:rotfl:
Have a great day with the kids!

Cialilerin

That's how I feel Polly but dh keeps harping on about who will look after it if we go on holiday. What holiday - we have no money!!!! We go camping but dog can come too!

Polly_Wolly_Doodle

Ahhh C, men = no logic to their arguements whatsoever , at least they earn some money, even if it's not enough to clear their debts!!

Cialilerin

Jusa read on the grabbit thread that it's free listing on ebay this weekend - no excuse now!!!

Cialilerin

Hi, Well I am just getting over a cold or something. Think i may be a little run down,so more susceptible to things. I have been off work for 3 days!!! - feel so guilty after having last week off for half term!
Moneywise - the car cost £200. And that involved us running round scrap yards looking for a part - complete nightmare:( I am sick of the car. It is an old Renault people carrier and expensive to get parts for, the milage is very high on it and I am sick of it. I want to buy a Ford Galaxy but I know I can't afford a decent one at the mo. He has said we should just get an old one fr now - but then I'm just swapping one old anger for another. I have suggested we pulll our belts in EVEN more for 4 months and try and get £1000 together, add that to the £1000 we will hopefully get for the old car, then if necessary put another £1k on cc and get a half decent car. He is in agreement at the moment.
Good new is bank has offered us a consolidation loan at 7.5%. We could pay off some of our more expensive cards. THey have suggested £10k over 5 years - costing £199 per month. That will be cheaper than the cc minmum payments and will at least be paying off so I am thinking about it - I have even thought of asking for £15k which will pay off most of the more expensive cc's and the overdraft. The loan will also be in dh's name. Then I can concentrate on getting most of the other debt on the lowest possible rates. We will then have about £25K of debt on cc's which I will try and reapy asap. My aim would be about 3 years, then I could always pay the loan off quicker if I could!