Starting my journey

debtfreewannabe321

Hi Choo,

sorry you've prob posted it already on your diary, but I only had a quick flick through, what are you studying?

We also bought NT passes, didn't get 30% off though, we were already at the castle and there was a stand set up by NT offering the family pass & free entry to the castle if we bought it (tickets to castle were around £14 each- shocking!) so we only put an extra bit towards it anyway....if I had known about quidco beforehand though...!

Is that £20 budget for the whole family for clothes? I put down £60 for 5 of us, everytime I think of changing it for less DS1 needs school trainers, or DS2 has grown out of his clothes lol so maybe i'll keep it as it is for a while longer, DD has kinda evened out now she is 2 so hoping DS2 will stop having growth spurts all the time (it's too expensive lol)

DFW x

lionheartedgirl

hi choogirl,

I'm still reading don't worry! so many diaries to keep up with :rotfl:

hope you have a fab time at Mamma Mia, sounds like just what you need to give yourself a rest from all the studying. And how great is it that you have saved up for it so can be utterly guilt free!! :T:T:T

my house insurance is a shocker every year as well, got a previous claim from subsidence (from YEARS ago long before I lived her) so makes it tricky to get other quotes. I always beat the current place down though when I ring up, so at least it hasn't gone up as much as it could have if I had just paid the bill when the letter arrived! :mad:

good luck with the rest of the studying. hope mr choogirl will make a big fuss of you when your exams are done!

choogirl

Good Morning

I was kidding when I thought that no-one liked me anymore (childhood insecurities - last one to be picked, no friends to play with etc etc ) No really I am only kidding!!!

Abba - I don't normally need an excuse not to do housework, I like it clean and tidy but find it hard to motivate and get going, once I get going theres no stopping me though.


Polly - I did manage to get a better quote, funnily enough we're with M&S and it was M&S that gave us the best renewal quote but I couldn't get them to give me a quote through Quidco so will have to try again or try topcash. So much for keeping existing customers happy, but I do like the M&S contents cover because it gives unlimited cover whereas alot will only insure upto £75000 contents. Now whilst we don't have marble baths and gold taps I think we will have easily spent over £75000 on furniture,tvs, clothes, shoes, toys etc so don't want to be underinsured.

DFW321 - I am studying ACCA (Association of Chartered Certified Accounts) and have the final 2 exams to do in June and then I will be fully qualified, abit ironic that I'm an Accountant and still ended up in debt, not a very good endorsement for me.
We budget £80 a month for clothes - £20 DH, £20 DS&DD, £20 me, £20 school uniform and shoes. I could probably do with increasing the kids allowance but try and do surveys to pay for any extras for those 2 as strangely enough they keep growing :rotfl:

Lionheartedgirl - I nearly died when I got the quote, we live in a really nice area, low risk, no flooding etc but its astronomical.
Mr Choo had better treat me after my exams otherwise there will be trouble.

choogirl

Good Morning

Well DD, MIL and I had the best day ever yesterday - Mamma Mia was fantastic!!! In fact I did so much singing my throat is hurting today and as for the dancing - well I was a Dancing Queen :rotfl:

DD loved it, she now wants to marry Sky and move to Greece bless her.

The £60 did very nicely, nothing left today but it was spent guilt free and it was lovely to have saved it and enjoyed it.

We had a lovely lunch in an italian restaraunt, enjoyed a few glasses of wine and I treated MIL to her lunch as she'd bought the tickets as a christmas present for us.

Today its back to reality - a pile of washing and finances to sort out.

I've taken some chicken out of the freezer to make a Thai curry for dinner tonight, make some naan breads, thai curry paste and a rhubarb sponge pudding and some baking for pack ups next week.

Right I'm off xx

mummytogirls

Haha to everyone popping in with their apologies :rotfl:!!!

Yay glad you had a fabbie day yesterday :T.
Re the home insurance, so do you think MnS will put the price through the roof next year for us then?! Hope you manage to find a good deal.

Happy Monday xx

choogirl

Good morning

Mummytogirls - I felt guilty when everyone started with their apologies - sorry everyone

I don't know why M&S put our premium up so steeply because we haven't made any claims but I've gone through their system as a new customer and the quote is coming out alot cheaper.

I'm 10 points away from Globaltest paying out a $50 cheque, which hopefully be £30 towards the handbag fund. I bet I get screened out of loads now.

I got into work this morning and there was a tin of chocolates and a bar of chocolate on my desk - the boss has returned from holiday and left them on my desk.

Am I supposed to be sharing them with the rest of the office? :rotfl:

LPMS

Hi choo!!
Just found your diary on here, joined back in Novemeber but I have told myself I must use this site more. I am thinking of doing accountancy, I am £15k in debt and really enjoying sorting it all out, seeing whats coming and going out so I am thinking accountancy is for me

I would love to see Mamma Mia, not jealous at all :whistle:

Lisa xx

abba1772

your boss is in a good mood for a change then lol

hid the chocolates lol and seem really nice when you offer your colleagues one lol

choogirl

LPMS wrote: »

Hi choo!!
Just found your diary on here, joined back in Novemeber but I have told myself I must use this site more. I am thinking of doing accountancy, I am £15k in debt and really enjoying sorting it all out, seeing whats coming and going out so I am thinking accountancy is for me

I would love to see Mamma Mia, not jealous at all :whistle:

Lisa xx

Hi LPMS, thanks for reading my wafflings.

I agree this site is brilliant, theres loads of ideas to borrow and the support is immense I certainly couldn't have got through the last 8 months without it.
Accountancy is something that I really enjoy as there are I like the rules and regulations side to it (I'm abit of a Monica from Friends)
Its definitely worth considering as there are so many different parts to it - tax,management accounts, financial accounts etc.

Good luck with clearing your debt xx

choogirl

abba1772 wrote: »

your boss is in a good mood for a change then lol

hid the chocolates lol and seem really nice when you offer your colleagues one lol

Ha ha, it won't last - probably as long as the choccies do xx