Mrs Sparkle's sparkly debt diary

Yorkshire-Lady_3 · 30 January 2007 at 7:36PM

Hello Mrs Sparkle - This is my first post on your thread, but I wanted to wish you all the best for your impending arrival!
I am an OFSTED registered Childminder up in Yorkshire, and would LOVE to earn £4.50 an hour. Considering what I do, £3 an hour for an hour of loving care is a pittance. Remember that Good Childcare isn't expensive - it's Priceless!

Sally

Mrs_Sparkle · 31 January 2007 at 1:16PM

Yorkshire-Lady wrote:

Hello Mrs Sparkle - This is my first post on your thread, but I wanted to wish you all the best for your impending arrival!
I am an OFSTED registered Childminder up in Yorkshire, and would LOVE to earn £4.50 an hour. Considering what I do, £3 an hour for an hour of loving care is a pittance. Remember that Good Childcare isn't expensive - it's Priceless!

Sally

Hi Sally, you're absolutely right! When I find the right childminder he or she will be worth their weight in gold

C x

Mrs_Sparkle · 31 January 2007 at 1:25PM

IT'S PAY DAY!!!

I'm celebrating! I've just paid off 4 credit cards in full and have cut up all CCs except my M&S and First Direct ones (mainly because I need them for work)- it felt really good to cut them up I can tell you. I'd have liked to have used my bonus to pay off a bit more but I stupidly ran up my overdraft in January as it was the most horrendous month full of unexpected expenses so I had to use a huge part of my bonus paying off the OD. Anyway, it all helps and at least the figures are going down.

As of today my debts now are:

MBNA credit card- 0% until Dec 07 £8,892.57
Egg loan- £13,403.76

Total £21,956.33

I really want to eBay some stuff but am scared of going into labour and not being able to deal with queries and dispatching parcels. I think I'll do some Amazon stuff instead as it's easier to put in jiffy bags and I can activate my holiday settings if anything starts happening. I've budgeted £200 for spending money this month which obviously I'm hoping not to use as I'm not exactly going to be going out lots with a huge bump or a newborn but it's important to me to not feel too pinched. And I do have a couple of lunch dates planned with girlfriends so I'm covered for them.

All in all not a bad day

C x x

kathfisch · 1 February 2007 at 12:15PM

Woohoo, not just one but 4 cards paid off in full, well done you!!! :j :T

I've just been watching This Morning, Fern spent a few days learning about being a midwife and its got me thinking again! Its a big decision but I reckon I've made it already

I hope all is still well with Thomas, he's going to have to start getting ready if he wants to share my birthday on saturday :rotfl:

Kath x

Mrs_Sparkle · 1 February 2007 at 12:52PM

I'm still watching This Morning- it's really interesting isn't it?

Thomas is under strict instructions to hang on until at least tomorrow night as my hubby is away up north and doesn't want to break his neck getting back if anything starts happening!!

C x

kathfisch · 1 February 2007 at 6:15PM

Mrs_Sparkle wrote:

I'm still watching This Morning- it's really interesting isn't it?

It was really interesting, if a bit worrying for someone thinking of training as a midwife! It will be years until I qualify, admittedly, but if there's not going to be a job at the end of it, or if its going to be even harder to get onto a course because of funding cuts :eek:

Here's hoping Thomas hangs on at least until everyone important is close by!

Kath x

Mrs_Sparkle · 1 February 2007 at 10:06PM

My first week of maternity leave has been a success. Because Thomas hasn't put in an appearance yet I've managed to get paid for annual leave this week instead of maternity leave.

I've also spent the grand total of £4.50 Sunday- Thursday and even then I took the money out of our change pot instead of going to the cashpoint. Tomorrow I'm meeting friends from my antenatal class for coffee and lunch so what with train fare and paying for lunch this will be my big spend of the week.

I've started to stock the freezer with home made ready meals in preparation for having a newborn taking up all of my time, plus the house is clean and I'm up to speed with all the laundry. I could get used to this not working for a living (but not the loss of income...). So, a good week really and hopefully I can continue like this next week.

lynsayjane · 2 February 2007 at 8:18PM

well done on a good first week off work! sounds like your keeping busy while waiting for ickle tommy to arrive! i'm so excited for you! i'd noticed i hadn't seen you about for a few days and thought ooooh! so i came on here to check the delivery status! :rotfl:

keep the

on over the weekend...hopefully i'll get to chat to you before b-day! xxx