sj`s diary

savingmummy

I had my cleaning job this morning and The lowest debt which is £23.93 - I paid in full!!
I`ll only have THREE debts to pay each month

I`m over the moon - I can see it being gone by July which was my original target month!!

SO now I will be able to `hopefully` pay a bit more then the min payments on each of these.

Debts remaining:
1 - £140.60
2 - £134.33
3 - £60.91

To some that's nothing BUT I`m a SAHM have little income other then my `lil` jobs.
I`m actually feeling SO happy right now


Other good news DH had an extra bit in his wages this month, he did some `unusual` overtime, so I now have some pennies (not too much but enough to treat her) for DD`s birthday pressies!

savingmummy

Had a good think last night, and seeing as I am very soon to be debtfree myself DH still isn`t!


Now his main debt is a loan which is to finish in August 2015 :j
This is paid monthly via direct debit and he manages fine - because his used to it now!!


His other debt is an overdraft from last year.
The bank has closed the account/frozen it, and they opened another account for him where he gets his wages and direct debits come out of it.


Because I`m a nice wife
I have decided I`m going to pay `some` off of the overdraft and help him to repay it. It wont be a lot but its something towards it!!


I am still going ahead to save in my savings accounts, I need to do this for myself.
IF I can get some savings going that mean something to me, I am almost certain it will stop me from falling back into the debt.
My reasons for this is IF I fall back into debt I know for 100% I will HAVE NO CHOICE but use my hard earned savings to pay it back, then I`ll have no savings and seeing £0 is awful!!


If I can get a good amount in the `emergency pot` I may even use the whole lot for DH`s O/D debt - He will owe me big time

savingmummy

Today I got the activation code in the post for my new bank account, can now use it online.
I have just transferred £10 into it - Its a start!!
DH don`t know about this one, It will be a nice surprise for him when I do tell him :j


Took mum birthday shopping for the children, she got them some nice bits from smyths, and then on to Asda for new pj`s for DD.


I am feeling so happy right now.
Debts feel under control, I don`t need to worry about late payments or if I can get the min payments next month as I now only have 3 to think about.
Childrens birthdays are sorted, I got some great bargains online and used topcashback :j
I can now breathe a little easier.

nextyeartina

You sound so like me


Tina x

savingmummy

DH went to his second job last night and called to say he wouldn't be home at 8pm as someone had gone home sick so DH needed to stay til 11pm.
He has also gone in this evening and is covering for the man off sick.
It really does help having the extra coming in, we are SO much better off right now.


Bills are paid, debt repayments paid, food in the cupboards, fridge full and freezer squeezed shut!
Childrens birthday pressies all bought in CASH and wrapped up, we got the cakes today from Tesco - DH got these using the tips he earned last night! :money:


I have got myself a `one off` cleaning job this week which is a good money earner, My plan is to use this for the catalogue bills next month.


I am the happiest I`ve been in a while :j

savingmummy

This morning the postman came with a catalogue - straight in the bin!
I have cancelled the accounts, and asked for my details to be removed, it takes a while apparently (6 weeks I think the emails said) but all those should stop.



I need to sort out the high APR debt, I want to try and pay a big lump off of it again for next month, I wonder if I can whack £100 - it will leave £40 owing.
BUT it may leave me unable to put more then the min payments on the other 2 which aren`t that low in APR themselves.


*Been let done on the cleaning job which I was supposed to be doing tomorrow :mad: BUT have been told by the lady I may do it next week depends if she can sort a day free to have me there.

DH`s step mum called.
It is DS birthday on Friday, but they are coming down Saturday (live a 2 hr drive away) and will be taking us out for a family pub lunch - We`ve only had one before as a family again they took us about a yr ago, the children will be so excited as there is a nice garden for kids, a bouncy castle and a field right next door with horses - let hope the sun shones!
A FREE day out for us though, means I will save a days dinner :rotfl:

savingmummy

Found a £5 note today :j


DH finished work and then came home to get changed to do one of his gardening jobs.
It was in need of a good clear, so I went along and helped him and really enjoyed it.
Has been a lovely day here.


I have a friend moving away next week and I feel so sad.
I am going to miss her and her family so much, its a horrible feeling knowing I`m not going to see them anymore.
I hope to keep in touch but still its a sad time right now, it just wont be the same anymore.
She is irreplaceable, I will never find anyone as lovely as her and so genuine.


My DD is best friends with her DS and is going to miss him so much aswell.
She has not been herself for a good few weeks since learning they will be going next week.

Magsnoodle

Evening.

Just catching up with how you are doing. It sounds like there is lots of positivity on the money saving front so well done for that. Friends moving away is always difficult and my little one struggled when her bestie moved to Oz. They recently came back after 6 years of being away and it has been weird as they girls had changed so much - as they usually do between 7 and 13....

E mails are a great thing and skype too or even facetime via facebook if you have a webcam.

Sending hugs (((((((())))))))

TTFN x

savingmummy

Aww how lovely they returned
We plan on visiting them once we are straight and able too, they are moving to Ireland so not too far but feels like it.


I am feeling very lost already and they`ve not gone yet!!
It will get easier I know.

savingmummy

DS had a wonderful birthday on Friday.
My parents came round for the day, then we went out for a meal with my friend and her family who is moving away (her treat).
Saturday my in laws took us out for a pub lunch (their treat), It was a lovely sunny day so much so I caught the sun LOL!
Sunday we went to my parents for a beef roast and had a relaxing day.
Today DH had 2 gardening job so me and the kids went to my parents and once DH came back we had dinner at mum and dads.


DH has himself another gardening job once every fortnight. His uncle was asking around and DH caught wind so went and asked and luckily no one had offered!
He now has 4 gardening jobs. All are once a fortnight but its really helping.


I have the `one off`cleaning job tomorrow. Its a house which is empty and been handed back to the landlord and he wants a complete clean.
I am going to pay this months catalogue payments with it, hopefully a little extra on each one aswell.