Making every penny count

taxi73

Mine has a lived in look too..lol

40somethingmum

Well this week has not got off to a good start:(

Firstly the boys are supposed to be back at school but they have all come down with the dreaded lergy so have got them under my feet ( again !).

As i mentioned yesterday I have been a bit scared with parting with my money this last week:( . Anyway I decided that i Must pay my Capital one card this morning . So I went on-line and did transfer of £300 . It wasn't until i confirmed that I was sure that I realised that I had made transfer to Cahoot loan and not Capital one card:eek::eek:. I quickly called the bank to see if they could recall the payment but unfortunately gone so I would have to contact Cahoot to ask them to return it. I called Santander ( they now deal with the Cahoot loan) to ask if they could return . ..... 7- 10 working days :eek::eek:. Trouble is I need to pay cap one today and Cahoot DD comes out on Friday. Man at santander suggested that I cancel DD for this week and then reinstate it next month. So that is what I have done. Trouble is the Cahoot DD is £250 and I have paid them £300... so I have overpaid by £50. Which is good if I could afford it this month.... but I can't. I could cry :(

Electric bill ( £207) , council tax (122) all need paying and not to mention DHs car (450)

Hope everyone is having better Mondays.

40SMxx

40somethingmum

Just had an e-mail..... write off 70% of your debt..... I wish Not in my line of work I can't

40somethingmum

Ok , I need to get a plan of action re things I need to get done this week

Work....... need to fit in 45 hrs ( this is going to be difficult as am sharing car with DH at the moment).

Finances.... need to pay the following :
Capital one £300
School Dinners £22
School Trip £13.20
Tesco Cc £25
Tax £400 ( I now need to be paying this every week :eek:)
I also need to work out a cunning plan for the electricity bill.


Health & fitness..... time is running out for me to fit into dress so let the dieting commence. No alcohol, reduced carbs for the next 2 weeks:eek:

The old roots are beginning to show so need to buy some hair dye and actually find some time to apply dye.

Exercise ...:o Walk the dog every day..... energetically... will that do ?

Housework.... Will get back to you on that one:o:o


Me-time....
I have started comping and am enjoying that so intend to fit in a few every day. You have got to be in it to win it.

Read a book every week. I LOVE reading so need to get back to that.


Now just need to find time for DH & the kids:rotfl::rotfl:(oh and the housework)

Enjoy your day

40SMxx

taxi73

What a poor start to the day..guess things can only get better.
Sorry to hear that the kiddies are unwell.
Those debt firms that promise to get rid of 70% of your debt are con artists anyway..so you're not missing out there.
Hope the day gets better for you x

40somethingmum

40somethingmum wrote: »

Ok , I need to get a plan of action re things I need to get done this week

Work....... need to fit in 45 hrs ( this is going to be difficult as am sharing car with DH at the moment). Not here yet !!

Finances.... need to pay the following :
Capital one £300 now paid
School Dinners £22
School Trip £13.20
Tesco Cc £25 now paid
Tax £400 ( I now need to be paying this every week :eek:) £150 paid
I also need to work out a cunning plan for the electricity bill. ongoing


Health & fitness..... time is running out for me to fit into dress so let the dieting commence. No alcohol, reduced carbs for the next 2 weeks:eek: Not eaten anything yet :rotfl::rotfl:

The old roots are beginning to show so need to buy some hair dye and actually find some time to apply dye.

Exercise ...:o Walk the dog every day..... energetically... will that do ? Not yet !!

Housework.... Will get back to you on that one:o:o.


Me-time....
I have started comping and am enjoying that so intend to fit in a few every day. You have got to be in it to win it. Did a few thismorning

Read a book every week. I LOVE reading so need to get back to that.


Now just need to find time for DH & the kids:rotfl::rotfl:(oh and the housework)


40SMxx

A quick update . Post just arrived better check what horrors are in there:eek:

40somethingmum

40somethingmum wrote: »

Ok , I need to get a plan of action re things I need to get done this week

Work....... need to fit in 45 hrs ( this is going to be difficult as am sharing car with DH at the moment). 6.25 hrs now done
Finances.... need to pay the following :
Capital one £300 paid
School Dinners £22 will now be less than this as boys off school
School Trip £13.20
Tesco Cc £25 paid
Tax £400 ( I now need to be paying this every week :eek:) £150 paid
I also need to work out a cunning plan for the electricity bill. still working on it


Health & fitness..... time is running out for me to fit into dress so let the dieting commence. No alcohol, reduced carbs for the next 2 weeks:eek: . This is what I ate yesterday :

Small cheese roll

Chicken , broccoli, cauli & carrots with gravy.

2 cream crackers with Boursin cheese

The old roots are beginning to show so need to buy some hair dye and actually find some time to apply dye. No Change

Exercise ...:o Walk the dog every day..... energetically... will that do ?

Housework.... Will get back to you on that one:o:o


Me-time....
I have started comping and am enjoying that so intend to fit in a few every day. You have got to be in it to win it. Did a few competition yesterday

Read a book every week. I LOVE reading so need to get back to that.


Now just need to find time for DH & the kids:rotfl::rotfl:(oh and the housework)



40SMxx

Another progress update , See Above

taxi73

You will get there..well done on progress so far x

40somethingmum

taxi73 wrote: »

You will get there..well done on progress so far x

Thanks, Hun;)

taxi73

You're welcome....
I always tackle stuff bit by bit as that seems to make it easier to deal with.