XSpender - MFW in Training

Iris_Blue

Funnily enough I'M waiting for my OH's bonus pay packet too ! Roll on next month.

Decision decisions about jobs - its so stressful deciding which path to take. I'm sure it'll work out for you either way.

XSpender

Oops haven't updated for a while:o

The news on the job front is there is no news. Confirmed with the agency today that they do not want me to start on the 7th and know I need a weeks notice for the nursery. Put my foot in my mouth and mentioned the interview I have so I hope she doesn't tell them and they withdraw the job offer!

Really pleased that all 5 items listed last week on eeebay have sold.:T £130 odd before postage to the savings pot, well still waiting payment for 3 items. Have listed another 17 items (I thought it was more when I did it yesterday??) and have another 10 to do this weekend. If I can make £100+ each week this month from eeebay I will be chuffed.

The phone we set to mazooma has never arrived so it looks like we may have lost the £55 we were going to get there:( I have to wait a week before I can report it to the post office, not that wll get us the phone back. I think it has been nicked:mad:

I was so cream crackered after my eeebay marathon yesterday I forgot to make an AF order and the 10% discount has now expired:mad:

I have set myself some tasks this week:

• Post the 2 items that have been paid for and post the others as soon as the payments are received
• Find another 10 items to eeebay on Sunday (small ones as 10 to do this weekend are mainly furniture wich will require collection
• Ring npower and see if I can split the payment of the huge gas bill over 2 months to ease the pressure this month
• Chase DH to cancel RAC
• Stick to meal plan and do not enter a supermarket until the weekend
• Do not throw any food away at all
• Help DH lose some weight by making healthy lunches and dinnersand encouraging him to exercise. If he wins the weight loss challenge at work at the end of the month he will win £250!
• Go to b00ts to buy DS formula to avoid temptations of shopping in a sm
• Complete form from NS&I about lost account to see if they can allocate any £s to me:)
• Get DH to fill up his car using the Mr T 5p voucher
• Keep email open and do any surveys that pop up
• Do all my housework today so that I can spend tomorrow, when DS is at DMIL, working on my presentation for my interview next week

DH and I have discussed if a job with travelling is going to be suitable for us and DS when he is so young and we have decided that the benefits to us financially would be significant enough for DH to take on the care of DS for a night or 2 a week. It all depends on how much travel they want me to do and if I get the job!

We had a good look over the budgets and the spreadsheets for the last couple of months together yesterday and DH is now very much on board with paying money off the mortgage and increasing our 'emergency' savings. He is even keen to keep ebaying so we can raise some money and have a clear out!

Best get to the post office......

Iris_Blue

Well done on Ebay - that's a fab amount! :j You must be running out of stuff to sell!

I really hope the phone turns up. I've never had any problems with them but I suppose they advertise what's inside it with their envelopes don't they so I'm not surprised some go missing. Fingers crossed for you there.

As a mother myself of young children I just wanted to say that I think you're really brave in going back to work and deciding which is the best job to fit around your family. It must be awful to make a decision about it and decide what's best for you all. I really admire you. My maternity leave finishes soon but I'm not going back, we have no childcare plus I wouldn't want to go back even if I enjoyed my job..which I didn't.

XSpender

Hi Iris - I want to go back to work but I am not sure how I will feel when I actually do it. When I was made redundant just before I started my mat leave last year I said I wouldn't go back for a couple of years and only signed on to get my JSA but when it came to it I did actually want to go back. My DH earns a good wage but it would be really tight if I did not work at all and part time jobs in my field are few and far between unless you work full time already and then cut your hours.


Talking of jobs the agency rang at 5 last night to say great news they do want you to start on the 7th:eek: It must have given them a boot up the bum when I said I had an interview for a permanant job next Tuesday. Poor DH has cancelled and reinstated his holidays for that week 3 times so far. He is going to have a couple of days anyway as he needs a break and DS will be at DMIL so he can do what he wants to.

I am really worried now as I paid half the gas bill yesterday (£100), tried to renew the car tax yesterday only to find that the car went out of MOT in September:eek: and I need to pay the nursery £50 on Wednesday then almost £500 on the 7th. I just do not have the money.:( Once I have paid the fees we will not have a penny to live on. We do not have cc or an overdraft available so I am going to have to ask my Mum and SD to lend us £300 and I hate doing it. I have never asked to borrow money from her since I was 21 and a student. It is because she will be dissaproving that I do not have enough saved and I do not like having to borrow money off anyone after my debt problems in the past.

Ebay is going really well, have sold 3 of the 17 things I listed on Sunday already and 11 of the remaining 14 have watchers. One of the higher price items I sold last week has been bought by someone who lives in Europe even though it clearly states on the item UK post only. I am new to ebay and do not know what to do. I do not want to send it and am peed off that she has wasted my time. Anyone any experience of this and what you do?

I still have masses of stuff to ebay and will easily make another couple of £100 pounds this month but I need the money now. :mad: If I had known the start date of my job I could have paid less off the gas bill as they suggested but I wanted to pay it off asap. The MOT will be cheap as DH is in the trade, well it will be if it doesn't need anything doing to it. I can't believe we forgot to MOT it. I think it is because I had a co car for so long and this was DH car and then he got a co car in the August and I started using this that we never gave it a thought:o

My plans have changed a bit from yesterday's list so I have a new list for today when DS is at his grandma's:

• phone job centre and tell them my start date
• phone tax credits and sort out new claim
• ring agency and tell them I can start job on Monday
• ring next week's interviewer and withdraw application
• try cancelling RAC as it will never happen if I leave it to DH
• change my new work skirt for a bigger size:o
• chase tax rebate
• finish house work and washing as I want everything up to date before I start on monday
• make a quiche using my last 2 eggs to have with the rest of yesterday's salad and JP so the salad doesn't get wasted
• pluck up the courage to ring my DM about borrowing some money until the end of the month

Right best get a move on as I am still in my PJs:eek:

gratefulforhelp_2

Did you put something at the top of the list that you have already done so you can tick it off and feel good about it??

XSpender

gratefulforhelp wrote: »

Did you put something at the top of the list that you have already done so you can tick it off and feel good about it??

I had tried ringing the JC as I was posting so I could tick it off but they were too busy to answer the phone:rotfl:They are still too busy now:mad:

Rang tax credits too but they need more info about the employer before they can update my claim.

DH has asked his DM and DD if we can borrow the £300. He said he is no good with money but knows who to ask when we are stuck:rotfl: This will still mean a tight month but I only want to borrow the minimum we can get by on. It is my plan to raise the money from ebay to repay it at the end of the month. We will have more than enough with both wages and DH bonus to repay them but it would be nice to have raised the money elsewhere so I can start April up to date with everything IYKWIM and start saving and overpaying as per our budget plan.

XSpender

Today I must sort out the figures and info for the TC people. I am sure we won't be getting any after the baby element expires but I don't want to owe them anything. I am sure they think I am lying about our income, probably because last year I earned a lot and this year I haven't but I did lose my job! The woman at the JC tried to sort it out for me too but didn't get anywhere, even she was calling them jobbsworths:eek:

Posted 2 eeebay parcels today, making over £120:) I have just added up what I have earnt in Feb from cashback, eeebay, vouchers etc and it comes to a massive £275:T:eek: Is it possible to become addicted to seliing on eeebay?:rotfl: For someone who was always a bit dubious about it I am really enjoying it. Sold 6 out of 18 items listed on Sunday and have loads of watchers:D DH has also sold a tub of protein powder to one of his lads at work so I need to find out where I have stored it.

DS is going to nursery for his first settling in visit today. I was feeling OK about him going until DH said he was feeling guilty about it and would get upset if he had to leave him there himself:eek::eek: Now I feel guilty and it will be me doing the dropping off:mad: I am feeling a bit stressed out about starting work too, not that I don't want to, just I feel I need to get a million things done in 6 short days.

Right, I must get the rest of this list done today.

XSpender

DS is settling really well into nursery. He just crawls around dead fast laughing away to himself. Today is his last settling in vist where I just drop him off and leave him for an hor. I bet he doesn't even notice I have gone:( He must know I am going back to work as he has slept through the last 3 nights and I can't believe how much more energy I have.

Eeebay is gong really well and I have bids on 10 of the 18 items I listed on Sunday and watchers on all the rest. I have nearly 20 watchers on an old top! I am really pleased that the old sporting equipment I have listed will sell. It hasn't been used for 6 years, was expensive and is in good nick and it looks like it will go for good money. Why it has taken me this long to sell it I don't know:o Might have a week off next week with it been my first week at work and not list anything on Sunday. We should be able to give back to DPIL the £ they have lent us before the end of the month:) We still have quite a few items to list over the next few weeks.

I have ordered a sett fig for the 2nd mortgage so I can calculate a 'what we owe the world figure' for the beginning of April for when our saving/offsetting and overpaying begins in earnest. I also need to sort out the N/wide internet banking as I can't seem to log on so I can get an up to date mortgage balance.

The nursery fees are less than I thought this month so that is helping the cash flow. I have done a low cost weekly shop which will keep us going for lunches and dinners all week. I just need to make up and freeze some dinners for DS for the weekends and when he is at DMIL 2 days a week.

Why is it that when the wotsit hits the fan money wise I can stick to budgets, cut costs and raise/earn extra money?? I must just be a lazy moo the rest of the time:o:o:o

Tax credits are sorted, just need to ring with nursery details when DS starts next week. Why they couldn't take them this week with the rest of the information I don't know.

I have done most of the list I made at the beginning of the week and today's main tasks are housework and cancel my interview.

I can't wait until we have 2 wages coming in and I can start saving/overpaying properly:D

Iris_Blue

Just seen your other post.

:T How well have you done money wise this last 2 days! Well done you.

How did you first day in the new job go ?

cha97michelle

Hope you are enjoying the new job. I hate phoning the tax credits. They can't put into their computer future events even though you know exactly what they will be. Really pants system.