Arthurs Onwards and Upwards Diary

arthursleep

Oh and am paying 10 off smaller halifax card , have just altered signature . I always like this time of the month when i can keep changing my signature :T and it is going lower :j.

arthursleep

Decided to just pay minimum payment on halifax of 5 as it is 0% and pay another 5 off priority , think that is snowballing ???? Also the minimum payment has gone down on virgin and priority as i have paid some off so threw another 10 at priority and set up a standing order for 20 to virgin as my min payment was just covering interest.

Got dd jazz shoes and also got the kids some t shirts in tesco in the sale as they had extra 20% off clothing so couldn't resist.

Got some good news on tax credits to they are going to cover most of dd nursery fees so at least my job will bring in some extra money and not go back out again on childcare.

No plans tonight picked up a bottle of wine and going to watch x factor i think!!

arthursleep

Back from work am shattered , where did the weekend go ??

Just paid another 20 off virgin am looking forward to the rest of the week as lots of payments out this week!

Am really going to try and sort out some ebay stuff as really need to get some christmas savings underway so that my job for this afternoon hopefully if little one can keep herself busy!!

arthursleep

Another 40 off the halifax so that takes it under 4k :T am so pleased that we will have managed to clear more than 1k before Sept over :j:beer:.
Am determined to find some extra money to throw at debts in Oct by being more frugal with the spends budget. This will be my first full month with the right amount in there so will have to see how we get on!
Best go and pick up kids from school x

arthursleep

Tired today , think it's his damp miserable weather. Work hard as kids can't get outside to play either !!
No debts paid off today but managed to add another 100 to my emergency fund , not quite sure if we will have enough to assign all of this to 'fund' so just leaving it here for now and see how spends budget pans out to the end of the month.
Emergency fund for christmas , money to caravan hol at half term (not sure whether to go yet or not) , more money to throw to debts , make up shortfall of budget or just leave as savings. As you can see not quite sure yet so going to wait until the end of the month when i will have a clearer idea.

Still undecided on caravan holiday. We have paid half and need to pay another 50. It is for half term week but almost a 3hr drive away. Question is will it cost more to do that than stay at home and keep kids entertained for a week!! Decision decisions.

arthursleep

Another minimum payment of 31 gone out to virgin , sadly i think that clears about 5 of the actual balance with interest so will adjust signature by 5 and then if it actually takes more off will adjust when statement comes.
Other than that have actually spent out , got my dd2 xmas present in half price toy sale for 20 down from 40 , i also got a gift for my best friend baby shower next week from an internet site with 50% off so only 15 instead of 30 and i also treated myself to some new winter boots. They were 15 from Lidl and are really comfy and slightly better for the budget than last years uggs!!
But at least everything in sale so not impulse buys. Still undecided on hol , wish someone was actually following my diary so they could give some advice .

arthursleep

Evening me ...
Well busy weekend took dd swimming and dance class yesterday then had to take the girls for their winter boots. Got them from next for dd1 and shoezone for dd2 25 all in. Then i went into charity shop , has been ages since i went in. So pleased managed to get dd2 a lovely denim dress from Debenhams which will be lovely with tights for 3 and a lovely tunic for me from quiz for a fiver , bargain. I am wearing the dress next Sat as me and oh having our first night out together this year , we never go out as we have no money so really looking forward to it , will borrow some shoes from my sis to go with tunic so just want some thick grey tights.
Today i managed to get dd1 xmas pressie from argos with 20% off so just ds main pressie to get.
I also paid final amount for caravan hol. So my 100 put away has gone but think i have done well with everything i have got for it.
So tonight after what feels like a big spend this week i have listed some of the kids toys on ebay and sorted out ds wardrobe to list some stuff next week.
Feels like a productive weekend , nothing on cc still managing and have small pot of saving fund left (with an odd amount off tax credits in there which was randomly paid on Sat so leaving it until i can ring them to find out why). Fingers cross ebay sales do well on for 7 days so here goes. Hopefully it will motivate me to do more and make a good pot for hol at half term and xmas funds.
Hope any lurkers out there had good weekend it has flown by again!!!

arthursleep

Ebay doing well have bids on 3 items and watchers on 3 others already so hoping they do well.
Have checked bank and funds going to be tight this week. Have had to pay out for ds 10 week football class and dd1 swimming class needs paying next week. This is why i need to budget better so that the 10 weekly courses don't seem a big cost all at once. Still guess that is what saving pot for. OH got his monthly luncheon vouchers from work so that will be my budget for food shopping this week. I seem to have done really well getting the cost of my main meals down but still spending a lot on snacks that are quickly demolished.
Have baked a batch of fairy cakes tonight so supplement and will bake some biscuits tom as need to get some milk , bread and butter tom.
Nothing much else happening think a min payment to priority comes out tom so will be able to reduce sig again!! Find that really motivating but don't really like it being there when i post around the board out of debt free wannabe.

arthursleep

Well nothing much to report. Went out at the weekend and spent a bomb but was worth it had a fab night. Didn't go on cc and came out of budget so still good.
Made over a hundred on ebay :T so have transferred 90 out into bank account. Not sure whether it going to debt or christmas fund yet but all good. Am now sorting out another load to list this coming week. I did use all ebay funds for xmas last year so hope to do the same again.
Also some good news dp got some money come through so should be able to almost clear off priority in the next month or so. My transfer the left over to the small halifax card then as that 0% until next May. :j So slowly knocking down that total.

arthursleep

Decided to find my diary and do update.
As you can see we are getting there slowly with paying things off. Priority card has now gone completely so one down. Managed to get 2 0% for 15 mth transfer cards so moved barclay and virgin to those. So next card on my hitlist are the Halifax ones. They are both due to come out of 0% in next couple of months so need to tackle them.
Feeling a bit fed up this week with regards to debts. Fed up of never having any money to treat us , although i know it will be worth it.
Supposed to be going to friends for girls night in tonight but can't afford taxi so will have to drive. Also had planned for months girls night out next wed with girls haven't seen for 6 months. Haven't put anything away to pay for that though so am going to have to cancel .
Also facing a full week with the kids for half term next week with no cash to keep them entertained so praying for good weather.
So whilst debts moving in right direction my mood isn't.