sj`s diary

Pinky15

Have a lovely time!:):):)

savingmummy

We had an AMAZING time!!
Was so good and we are all fully charged and refreshed AND tanned!!
It really was fantastic and are already hoping to go back next August (50% at the moment!!)

Skint though til payday hahaha!!

savingmummy

Reality kicks in too quickly!
Washing is all done now on to the ironing LOL! I don`t know why i bother with mine and DH`s as it is all hung on the back of the door or in cases at the moment so gets creased again LOL!
We were only away for the weekend BUT the washing we had was ridiculous!! When i got back it was so dusty here too i`m sure most was from work we had done it must of settled after i`d cleaned! Had to do a full spring clean right through today.

I am waiting for a refund to go into my bank from paypal and then i can pay the deposit for our wardobe, says 3-4 working days, i can`t wait to get it in September will be so nice to have no clothes on show and no suitcase behind my bedroom door!!!

I was hoping we would be starting to decorate the bedrooms this weekend BUT DH had tonsilitis again and is feeling really rough with it. He has been to the gp and has got to go back tomorrow afternoon - they should of just given him antibiotics yesterday as it has now worsened!

DD is going in to have her tonsils out, we got a letter while we were away and i called and was told the lady who deals with the dates was away but it looks like it is scheduled for July 1st. She is going to call me to confirm it when she is back from holiday.
Hopefully i can try and get it a bit later ie, in the 6 week holidays.

savingmummy

We got a date for the op!!

I know it is a common op and not a major deal, BUT i am so worried and nervous about it all. I am not showing i`m worried infront of her because i know she will sense it.
I told her when she come home from school today that the hospital bear had called and the nurses want her to go and have her tonsils removed to make her better again (she knew it was happening). She asked about pain etc and i explained it would be sore and she may be a bit poorly but it will be the same as when she is poorly with her tonsils.
She said she was scared and didnt want to go to sleep... i then started to fill up, i really don`t know what i`m going to do on the day!!

Paid my deposit for the wardorbe today Sooooooo excited!!

savingmummy

I put my pram/buggy on gumtree never used it before (not even sure how it works LOL!)
Had 2 people interested, 1 was put off by the price and hasn`t replied when i asked her for `an offer she was happy to pay`. The 2nd wants it SO if it goes through ok and she does want it - thats £45
SO pleased!!

I got my tax credit thing through today £70 less a month not sure how they work it out, and i am not good at understanding their pages of info they send. Was hoping they would owe us a little something - i was certain they would lmao!

savingmummy

The lady emmailed thia morning to say she wants the pram and is meeting us at 1 o` clock
SO pleased at least it didnt cost me anything to advertise it and it only took 2 says for it to sell!!

£45 is lovely too :j

I have a bad sore throat It is going round and round this house i`m sure. DH is recovering from tonsilitis antibiotics have kicked in, DS has still got swollen tonsils from before our little break away even though his antibiotics finished on Monday.
Luckily DD is fine.

savingmummy

OK major planning has been happening this week - IN MY HEAD ONLY! hahahahaha!!
ALL probably fantasy and it may not pan out BUT i`m positive and focused now

I have no debt i am completely debtfree BUT have no income at all!!
DH has 1 debt BUT its a management loan and is under control ie, its affordable and gets paid monthly without an issue!
Saving can commence in my eyes as it don`t need to be spent elsewhere, ie, debts.

SO my plan is i am going to start to save starting next month. 1k secretly - NO dipping in at all!!
IF i hit 1k before DH is debtfree, i then go on to do 2k even 3k if i`m good!!

This is i figure will be a HUGE stepping stone to maybe continue to save, For a deposit on the house OR if thats not an option maybe buy or do something we would never of been able to do before ie, go abroad/get a new car outright/buy a holiday home even.

Credit ratings are the issue - i havent done mine it shouldnt be bad but i`m sure there are a few `issues` there somewhere!
I am going to ensure i have £10 in my account at all times NO overdraft! The lady at the bank advised me of this when i went last year.
DH done his a few months back and it wasnt that bad apparently, just his loan which scored it down and a few catologues that have been paid in full and accounts closed but it had been less then 6mths hence them being on there still.

By the time his debtfree he will be 41 and I will be 37 - maybe too old to consider getting a 1st time mortgage? so it may be that we wont beable to buy this house.
Not the end of the world....but it would be nice to have it as a future plan to move away or have something of our own!!

savingmummy

I have been trying to look for a savings account on here and am so confused by it all. I really don`t know what to get a savings account or an isa its all so confusing.

I have 2 lloyds savings accounts and the interest on both have badly reduced to 0.6% and 1.6% so no good for at all!!
I will need to close them at some point as i wont be using them anymore. They lured me in for a year then after the year it dropped BOO!!

I currently have £25 - hidden in a box hehe! BUT i would much rather have an account, preferably somewhere where i can pop off to at my leisure without DH knowing.
I think he will be so shocked and over the moon IF i do continue and do my plan!!

savingmummy

I may have got myself a little cleaning job!!!:j
One of the mums down the school who i`ve made friends with does cleaning in private houses and one of the girls who helps her to do one has handed her notice in! SO she asked me this morning and i snapped it up, just got to wait and see if its ok with the lady whose house it is.

It means DH will have to drop DS off to my parents as i need to start at 8.30am.

Things are finely looking up :T

Had a call about the wardrobe i`m getting. The stockist isnt getting anymore in so she asked me if i could pay another £100 to secure a reserve on one as she has only 2 in stock otherwise i will get my deposit of £100 back and means no wardrobe. Luckily i have £100 put aside for it so i have agreed and will send a cheque. Means i now only need to save a small amount to get my wardrobe
She is a lovely lady so glad i found her!

savingmummy

Not heard anything about the cleaning job but spoke to my friend who i`ll be doing it with and she seems very positive it will be OK.

SO i set my goals too high! Reality...... we will not be buying this house, NOR will we ever beable to get a deposit together OR our credit scores good enough to beable to get a mortgage!
I am still going to save up secretly - what a great suprise for DH :beer:

SO instead i am doing my two gorgeous children savings accounts.
I am opening them accounts each (unsure of amount!)
THEN i shall be putting money in each month aswell as birthday/xmas money they get.
I hope that by the time they are 16 they will have at least 3k - This will obviously then go into a regular account for them to do as they wish.
However i plan on giving them the third degree and hope that they continue to save/invest to make this grow for their future!

If i can`t live my life how i wanted it to be then i will ensure they do, i wished i had saved from the day i left school:rotfl: