We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Making every penny count

17810121392

Comments

  • I have just joined the WH Smith Privilege club . On signing up you receive £20 voucher by e-mail then every month they will send you at least £10 of vouchers. Not sure what the catch is but I have now received my £20 voucher which I will attempt to spend tomorrow :T:T

    40Smx
  • Just remembered printer is out of ink therefore cannot print off vouchers.:mad: Might be able to do it at work tomorrow.

    40SMx
  • macgirl
    macgirl Posts: 5,091 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Hi 40SM :hello:

    Just found your diary *subscribes*. Hope you have decided to visit your folks - some things take priority over debt and in my book, Mums are one of them :)

    Hope you feel more positive and inspired soon. It can take a while before the lightbulb burns brightly, but you are going in the right direction for sure.

    Keep going and definitely head over to the OS boards to help claw some money back from the shopping budget - you'll get there!
  • macgirl wrote: »
    Hi 40SM :hello:

    Just found your diary *subscribes*. Hope you have decided to visit your folks - some things take priority over debt and in my book, Mums are one of them :)

    Hope you feel more positive and inspired soon. It can take a while before the lightbulb burns brightly, but you are going in the right direction for sure.

    Keep going and definitely head over to the OS boards to help claw some money back from the shopping budget - you'll get there!

    Thanks macgirl and thanks for popping in:)

    40Smx
  • Morning all,

    Kids are back to school today:j . Whilst I am really pleased about this I am also very stressed as for the last 6 months or so I have had major problems getting DS1 to school. He is on the autistic spectrum and finds school really difficult and therefore never wants to go. This usually involves me dragging him into school with both him and me in tears:(. He seems okish at the moment :)

    To make things worse I am exhausted as I have been awake most of the night with DS2 .... he has worms:eek:. So a hasty visit to the chemist is called for.:(

    Things can only get better.

    Sorry for the rant. Have a good day if you are reading.:)

    love
    40Smx
  • Well I have been to the chemist . Worm treatment has cost me £18.. :(. That was not in my budget.:(

    40Smx
  • UPDATE
    Funds Now £ 512 ish
    Child Benefit 0 ( due Monday)

    Total available funds = £512.00


    Outgoings:mad:
    Car tax £68.50
    School Dinners £24.00
    Credit cards £556
    Insurance £25.00
    Loan £0
    Petrol £35.00
    Food £30
    Electric £216.00
    Total = £954.50

    Shortfall =442.50 !!

    !!!!!! !!

    40SMxx

    Now must go to work and earn some money
  • UPDATE
    Funds Now £ 215
    )

    Total available funds = £215
    Outgoings:mad:
    Car tax £0 ( Paid this morning by CC :()
    School Dinners £0 £24 paid
    Credit cards £381.00
    Insurance £25.00
    Loan £0
    Petrol £0
    Food £30
    Electric £216.00
    Total = £676.00
    Shortfall =227.50!!

    :mad::mad::mad::mad::mad:

    Ok , so I HAVE to pay £156 cc tomorrow and £25 ins tomorrow. The rest will have to wait until Friday when I get paid:(

    Next month is looking really grim.:(:(:(:eek:

    Not doing well on not spending on the credit card yet :o. Must do better !

    Have a good day .

    40SMxx
  • Hi 40sm

    your almost there I to have ran out of funds and don't have any more till next tuesday absolute nightmare still keep strong.

    rubsxx
    :oDH CC £969.00, bank loans *2 £27634.00,Overdraft=£696.00 Total Debts to Tackle = £29299:o sealed pot member 923=£26.99, £2 club member 75 = £0.00 2011 challenge member 36
  • macgirl
    macgirl Posts: 5,091 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    This usually involves me dragging him into school with both him and me in tears:(. He seems okish at the moment :)

    To make things worse I am exhausted as I have been awake most of the night with DS2 .... he has worms:eek:. So a hasty visit to the chemist is called for.:(

    Things can only get better.

    Sorry for the rant.

    Aww, poor you :( Don't be sorry for the rant, that's what your diary is for. I sympathise re: the worms.

    My youngest had them twice and I was mortified. I read up about them on the internet and was really meticulous in hoovering the mattresses, washing the towels and bedding every day, keeping nails short etc etc.

    You are doing well and keeping tabs on your spending is the first and most important step.
    Keep going, because things WILL get better :)
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352K Banking & Borrowing
  • 253.5K Reduce Debt & Boost Income
  • 454.2K Spending & Discounts
  • 245K Work, Benefits & Business
  • 600.6K Mortgages, Homes & Bills
  • 177.4K Life & Family
  • 258.8K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.