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Abba1772's Debt Free Diary
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Have to say I think the childminding guidelines are dire.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.2 -
Great news about the payment. That is fantastic.
Glad Abba is a little better too.
My childminder is the same, she has to keep her work part and home part separate was one thing that was suggested. Not sure where the kids would go to the toilet then as she only has one!
Absolute nuts some of the things.
I got my order, thank you. The original one was apparently damaged in transit x
September 2017 Debt = £25330
Starting afresh.
You can do anything if you put your mind to it. x2 -
Glad you got you're order niknak sorry it took so long tho
in regards to the childminding issue I messaged all parents saying I don't have a opening date yet from the council however my hygiene and sickness policies will becoming uber strict so any cough, runny noses, loss of appetite, temperature or sickness will not be permitted in my home due to my safeguarding my own families lives. No excuses will be heard I'm not interested as I've managed to keep this virus out of my house and thats with myself and Abbie still working. And hand hygiene will be top priority as will my cleaning schedule after I've finished work. IF they don't like that they will be given notice. My family is more important than money.
In holiday money news my savings are at £934.97 woo hoo.
I'm now actually getting worried about the holiday, don't mind delaying it but KK is struggling a bit, we saw that airports may require us to wear facemasks as well as on the plane so we told KK as you need to give him advance notice of huge changes and he had a meltdown, wouldn't stop crying kept saying he didn't want a facemask on he poor we heart was racing. Once he calmed down I gave him my facemask to look at and he tried it on. He was ok with it and I've told him I will get a funky kids one for him and he can practice wearing it around the house, we've not taken the boys out to any shops etc since lockdown began plenty of walks in the woods but nothing where there has been queues etc
need to get a work out in so I qualify for my free top lol will do it later on as still feel tired but I've already took abbie to work, did a quick shop, came home updated the food larder fb page, sent reports to our suppliers regarding yesterdays deliveries, sent a refferal to another department and I'm about to organise the lists for the phone calls to be done over the weekend.
Hubby and KK are making us Mincemeat pies for dinner tonight with roast potato's and veg, beats a takeaway anyday, need to go to tesco and get a few bits and I'll see if the passport picture machine is working as really need to get the boys pictures done so I can start the passport renewal process next week.NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.053 -
managed to get the boys passport pictures done in Tesco on Saturday what a faff. £18 but its done so Wednesday's task is to get the boys passports done. will need to dip into the holiday fund for these but that's what it's there for.
Yesterday I managed to submit my self assessment for my self-employment and have £159 in national 2 contributions to be paid by Jan 2021 which I aim to do as soon as I can as I always leave it til after xmas and tbh this is a lot of money at that time of year so I want to change that pattern.
Also renew my tax credits as well so that's another job done but I think I've made a mistake so will check it at the end of the week to ensure the changes I submitted were correct as I know I made a mistake but i quickly rectified it so fingers crossed they'll fix it.
And I started my open university course as well, it's only a little one but managed to complete it in one day. Have added another Free courses as well.
More drama regarding this food larder which has taken up all my Sunday and I'm pretty annoyed, basically it was decided to simply communication within the committee as at that moment there was 2 fb chat and 2 WhatsApp chats and it's very confusing tbh so i sent a request to the lady who is being a pain in my butt and asking her to rename one of the chat groups on fb and delete one of the fb chats and WhatsApp chat groups and she goes away anf opens up ..........another chat group on fb !!!!!! so I put a proposal forward to the committee to force her hand and they all see what we have been dealing with. well in went in my favour and she's been told to stop mucking around. it's classic playgroup stuff tonight folks. Hopefully this is the end of it.
I have £940.28 in my holiday account but will take a hit this week as I get the boys passports sorted. I have however requested my Avon commission to be sent to my bank so there is £75 winging its way to me wooo hoo
I'm working today and I also have about 20 phone calls to do for the food larder which I'll do when wee one is eating his lunch.
NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.052 -
I don’t know how you do it all 😃🌈I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.3 -
I'm exhausted reading that.
The playground stuff must be tiring too. Why can't they just get on with it and stop acting like a child?
It always amazes me how quickly you manage your money and stuff goes up. I never have the discipline to.do it, but would probably be debt free by now if I did. XSeptember 2017 Debt = £25330
Starting afresh.
You can do anything if you put your mind to it. x2 -
Bunting all done and put up on my shed......looks pretty xxNEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.054
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Wow, that's amazing as is your shedI am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.2 -
Love the shed! Looks fab"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee1
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my shed is huge 13ft by 10ft and full of toys for my childminding plus all the bikes, made such a difference getting all the toys out the house.NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.053
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