MSE Parents Club Part 10

aless02

DH and I also have separate accounts, but it's mostly because he has poor credit and we don't want his bad credit bringing me down (as mine is only average due to being a non-citizen). The vast majority of bills & things come out of my account, so generally after all his DDs have come out (only a couple things go from his acct like his phone bill & credit card payment), he'll empty out his account into mine and then whenever he needs something during the month like petrol, I'll transfer the exact amount back over. Some people would think that's a lot of faff and money transferring, but it's the only way we can pool our money effectively without having an actual joint acct.

Or a lot of times I'll just give him my debit card temporarily to use at the shop or whatever (since he can drive & I can't, he does most of those sort of errands). I'm the budget-manager and we don't keep money in his acct b/c if it's there, he'll spend it!

So Becles, I understand where you're coming from on not having a joint acct, but there is a better way of working it so he doesn't spend it all. Maybe he could have like "pocket money" instead so it's a finite amt and once he spends it, there's no more to blow on fags & beer? Of course getting him to agree to that is whole 'nother thing . Sounds like he's quite a bit selfish - would guilt-tripping him that he's taking money from the kids help?

angelfairy

afternoon all,

how are we all???

i see loads of chat about finances. OH and I have joint accounts. I do all the budgeting (which seems to have gone out the window a bit since me being back and work and having child care etc now). He can draw out what he likes, but i usually know before he tells me

MFD - hugs hugs and more hugs

Yay Becles for place for James

Glam - ooohhh you get your car soon

DKAM - sorry to hear about your money

I know i have forgotten others, but i have only read back the last page or so

Question time again ..... does any of you clever ladies know the difference calorie wise between the formula milks/growing up/toddler milks/moo milks??

Reason being, you all know my LO prefers her milk to food (unless it's food that she shouldn't be eating shhh..) So, i am thinking, what milk can i give her that's best for her, but perhaps with a lower calorie count so she will still be hungry for food?? unless i am completely barking up the wrong tree.

She likes moo milk and have tried her on it solely for a few days (she's one in a few weeks) but we then got a bout of painful pooing so i think it didn't quite agree with her. i'm not sure that is going to change bang on 12 months so i'm thinking about other options.

thoughts ????

jillie1974

just got off the phone to lloyds tsb about bank charges. gave me a bit of a lecture bout a direct debit bouncing (forgot tv licence) which sent me over the limit. but the lady on the other end has manged to waiver my bank charges!! woohoo!! might have a bit of money for the month, thought i was going to have to cancel for the meet next week.

not rich but have enough to get by. still need the bunbo to get a decnet price though

Buttonmoons

God I love Spar! I jut got 5 packets of beef mince 500g for £2 and 4 packets of steak mince 350g for £2 ( that stuff is nice! )

I have no room in my freezer mind, so I better cook it all up.

I have so much to do and no motivation to do anything. Ho hum, as usual.

Keira was singing Christmas songs on the bus to nursery, not even quietly, proper bawling them out, I did tell her it wasn't Christmas but that was irrelevant.

All together now, WHEN SANTA GOT STUCK UP THE CHIMNEY......

csh_2

BeenieCat wrote: »

I'm thinking of buying a carton of formula today, and doing some mega expressing tonight because i think my supply is a bit low?? She just never seems satisfied, and i never feel full on a morning anymore. She's still munching her fists but it's more frantic than usual too, not sure why.
Weezl i've missed you :grouphug:

I wouldn't be surprised if the stress of the last few days has affected supply. You'll be fine in a day or two :cool:

Fitzio wrote: »

Csh - Is Kieren's head going really flat? Holly has a slightly flat patch at the back and I asked the HVs about it a few months ago, but they weren't concerned. I think babies have to spend really lengthy periods in the same place for it to be a concern. My friend ordered a special cushion online from Sweden as she was worried about her little boy. I think it cost nearly £30. When it came, it was just like an ordinary cushion/pillow!! She used it in his playgym but thought it was no better than a normal thin cushion!

It isn't really flat but its one sided and quite noticable to me. Its only happened in the last week since hes stopped being a fidget at night. He lies to the one side for 11 hrs so don't want it to get any flatter.

Buttonmoons wrote: »

My mum also found over £500 on a bus :eek: this was when I was about 2 and she was skint, so she kept it.....It was in a brown envelope stuck down between the bus seats and there was a baggy of drugs in it too! She threw those away (she say lol) so was probably some drug dealers dough....

You've just reminded me that I once found 300 fags in a tesco bag in a bus stop. I sold them to my neighbour! Quite bad but I was only about 15


I went along to Tesco and MIL was delighted to see K! His wee face light up when he seen her it was sooooo cute! He ended up with a swarm of admirers and some not very happy looking customers left queing at the butcher/fish counter :rotfl:


Just phoned and cancelled K's jags for Wednesday as hes got a wee sniffly cold, next appointment in a fortnight so hes well late with the 3rd lot!

jillie1974

finances- we wre stupid with money for the frst few years. was awful really. used to write 'pay day cheques' so we could get by. and then it all came to a head and one month with charges etc we had no money whatsoever. the bank (first direct) were actually great and advised me to get in touch with CCCS, we had when it was all totalled £18000+ of debt. i was horrified. we had a strictish budget but managed on it. and with commission from work were ok. never had money just to do on the spur of the monent things. we now owe just £1250. just a few more months to go

will never use credit again. tbh dont think anyone would lend us money anyway for years and years!!

we juts have 1 account that wages get paid into and bills get paid. and if we have a little spare we have a treat each. not much but it all adds up.

cant wait till debt is finally cleared and we have a bit of spare money each month.

csh_2

aless02 wrote: »

So Becles, I understand where you're coming from on not having a joint acct, but there is a better way of working it so he doesn't spend it all. Maybe he could have like "pocket money" instead so it's a finite amt and once he spends it, there's no more to blow on fags & beer? Of course getting him to agree to that is whole 'nother thing . Sounds like he's quite a bit selfish - would guilt-tripping him that he's taking money from the kids help?

We have a joint account and a current account each. 60% of take home pay goes into the Joint and the remaining 40% is for spending/wasting or whatever.
The joint account pays mortgage, bills, groceries and any family things like meals out.

I run the joint account and make sure everything gets paid etc. If OH wants anything for himself and hes spent all his money tough titty! Same for me!

Just now with me being on SMP things are slightly different. OH only gets £100 a wk into his account, which is fine as he lift shares now so his petrol costs have halfed.

jillie1974

meant to say Beccles- congrats to james on getting the school he wanted!!

beanie- are you putting in for the house?

Buttonmoons

Me and OH keep meaning to get me on to his bank card but we never manage to arrange it because he's at work Mon - Fri and banks close at 12 on a Sat.

How it works in our house is, OH works and his money gets paid into his acc, I take the bank card and use it as I like

Lol, it's not that bad really but if I didn't manage the money (Ok I probably waste a bit too) then he'd have no clue what to pay, at all.

I asked him what we pay each month, he said -

Rent, Council tax, Tv license, The phone and sky. He looked all smug with himself too, until I told him that we also have Specsavers, House insurance, pet insurance, and according too him we pay £35 a month to the TV license :rotfl: Not forgetting leccy and gas!

That gets paid quarterly. He also seems to think everything should be a direct debit and then you can just forget about it, but you can't do that! Especially now his job isn't safe. I refuse to pay the rent by direct debit because I do with the council tax and they CONSTANTLY go for it early, some months the bank has been V low, and if they went for the rent early we'd of had a charge.

I buy all the groceries, and I do it online usually and ask him what he would like etc, and he just says "Whatever" So whatever! Because he works, he tells me if he wants/needs anything and i'll pop into town and get him it.

He is more of a saver than a spender, though we never quite manage to save, though we are INTENDING to save 1k this month.....He just got paid 2 days ago so we will see

Buttonmoons

Oh yes and I feel like phoning the local police to grass up some douchebag who NEVER indicated and almost ploughed me as I was coming out of Keira's nursery, as he was on his mobile. I even wrote down his license plate!

Would they even fine him? I guess there is no proof, but mobiles are banned for a reason and you shouldn't be using them outside an area where kids are likely to run out etc.

T!!!!!!.