Long Haul or Do Up House??

Polly_Wolly_Doodle

Right back at last, pc cleaned and fully secure, hopefully, but ohhh sooo slow... at least it now means i can access work stuff and work from home to keep my full time status and boy do i need that to clear everything

Have been feeling pretty rotten, not enough to stay off, well not nowadays! But off my food, which NEVER happens, so the up side is i've lost 10lbs in two weeks :j. So this morning had a try on of all the trousers in the crate of size 18s and they all did up!! Some more easily than others but, wooo hooo. Tops i didn't even try on as i hate tight tops as i'm alwasy lifting a child or strapping them into car seats and i've got too much loose wobbly lard that i really don't want the world to see, so big baggy and preferably long tops can stay until they fall to bits and then the world will get a shock, yuck!

Okay money, umm in on the one hand and out out out on the other, breakfast club £2 per child per day, whoosh £20 gone. Lunches £1.80 per child per day, Fridays are half days £14.40 gone. And now it seems to be birthday party season, one is a joint party so two presents and another is a triple group, do i really have to buy three presents??

Had a load of statements to will update sig but it'll still be poorly as we're still having to use ccs and i still haven't had my tyres replaced, thought i had enough on a cc then they applied the interest and lo and behold i don't , still i think things will turn by Mar / April and by May, everything crossed, we may have a bit of leeway!

Got caught the other night and had to listen to MIL on the phone. We owe them £10k plus 5% int and i think that's going to have to be paid back first, the anti-snowball :eek:, still i'll sleep easier. Bless them they sold their house and downsized a couple of years ago and it's the first time they have EVER had any spare money, what have they done with it??? Been on cruises every six months, now i think what we have is all they have left of the house profit. So in an odd way i hope we've done them a favour and they realise how quick they have gone through that money. FIL gets a crappy works pension and they both get the state pension, they own their flat outright now and he has a wee car and an allotment but MIL likes to brag about her holidays and sadly uses her mother's early death as the stick to beat FIL with if he objects - ohhh families!!

Hope everyone is well, off to catch up on the diaries and pray that someone buys my ebay items.

PWD xx

Polly_Wolly_Doodle

Hello All,

Ohh feeling rubbish, got a very croaky voice and horrible cough etc, just lovely!

Money, well finally spent £100 on two new tyres today but needed to be done, useless place though, i'd left my car at 8.30am, they hadn't done it by 12 so i wasted a whole lunch hour waiting whilst they did it. They couldn't get some of the wheel nuts on so have forced them and a couple have sheered through, grrr, may be writing to complain. One helpful guy the others with their knuckles dragging on the ground...

Have got all the cc statements to give payment dates of around the 10th of each month, so that should help me plan a bit better and know where i am by each payday. Not a peep from any of them about changing dates, even the closed ones!

Had a breakthrough and sold some old gold and silver bits of jewelry to Hatton Garden, fantastic service, you weigh your stuff and can estimate what you'll get online, posted special delivery on Monday, CLEARED money in bank account by Tuesday afternoon!!! Sold some shares days ago and the money isn't cleared??? So fab service and i'd recommend them to anyone. So £730.14 to the better which takes the fear of not making the last loan payment before payday away :T
Now i need to see if that's enough to let me start paying off a bit more or just start putting some away towards the in-laws debt.

As i said also sold some shares, sadly not much but again was panicing i wasn't going to manage to pay the loan, so that should be another £200 when it eventually clears.

This has meant i've pulled a couple of things back off ebay as i didn't really want to sell them, alternatively it gives me them in reserve if things get tight again!

Oh and bought four pair of shoes yesterday for the children, they had all grown, i knew it!! So three pairs half price and only the toddlers at a killing £34 :eek:, £88.48 in total. But at least i feel a better mummy now!!

Ohh and the horrible news, a mouse in our bathroom this morning, aaarrgghhhh. Hoping it's a one off but will probably need to get poison at the weekend, yuck.

PWD xx

pennywisepoundstupid

Sorry your feeling yucky, hope your better soon, well done with all the money making.

MOUSE AAAAAAAAAAAAAHHHHHHHHHHHHHHHHHHHHRRRRRRRRRRRRRRRRRRGGGGGGGGGGGGHHHHHHHHHHHH.......................

Cialilerin

Children's shoes are so expensive and mine always have a growth spurt just after the Clarks sale!!!

Polly_Wolly_Doodle

Afternoon,

Again not a lot to report, shares sale from Halifax looks like it will clear in my bank on Monday, so should mean the DDs will be paid, phew!
I get paid on the 28th, Dh on the 27th. At the moment we're £161.99 off the od limit, with school breakfast and lunches due for this week and maybe more diesel for me, after the school things that leaves £127.59 with Dh to get his train ticket and as i said i may need diesel. All very tight but hopefully we'll make it.

Had a look at a nursery nearer home for smallest child, seemed nice but very quiet and not much art on the walls. They have been open for about a year and there are very few 2-3s and beyond, so on the positive my son would have a lot of attention but not the rabble of playmates he has in hi current nursery...
The plus side is we'd save about £400 a year on fees and they supply all nappies, wipes and food, whereas the current one doesn't supply nappies or wipes and you supply the lunch, which again has pluses and minuses!
The other saving is 20 miles less driving between DH and i each day, i reckon that would save about £600 a year in fuel. So £1000 per year.
The other saving would be time and i suppose that's good - more time with them!!
Oh and parking is perfect as it's in the middle of nowhere, whereas the current one is in the middle of a market town and parking is awful.
No brainer really but we've been with the current one for nearly six years!

Dh had a letter from Halifax cc this morning saying their going to put his interest rate up by 4%, so another one that will have to get closed, he's got £12k outstanding on it and that increase would mean another £20 extra interest per month. :mad:
This would leave him with just Capital 1 open and a tiny limit of £3k but i suppose that's all we want really

Will update sig, depressingly it's up again as still been using them to ekk out salaries. Hopefully we'll turn that corner this month??

PWD xx

pennywisepoundstupid

HI PWD
Nursery change sounds like a good idea, its going to save you quite a bit of money, you will have more time to spend with him and easy to get to so less stress involved and DS should settle quite quickly with him being so young, how long before DS goes to school.

Thats alot for halifax to put interests up by, the barstewards.

Polly_Wolly_Doodle

Hi Penny, yup barstewards indeed, but they are doing us a favour!!
Agree the nursery is a no brainer, just a shame they want £30 registration and £70 deposit up front, so have to work out how to juggle that one!

Nothing else to report today, getting better at haggling though. Co-op yesterday had an offer 4 pack flake or wispa for £1, middle child had been really good at swimming so i promised him a treat. Only 5 pack of wispas left on the shelf with no price tag anywhere. Supervisior let us have them for £1 rather than the £2.15 they should have been. Hurrah and there's still two bars left in the cupboard!!

dangers

How old is your youngest ds? Is he reaching the age of 3? If so, then the term after, he would qualify for the nursery education grant which (if it's the same as in England) would be 15 hours over 5 sessions per week, term time only, of funding; ie reduced childcare costs for you.

Polly_Wolly_Doodle

Hi Dangers,

Yes it's the same up here, with the day nurseries you get either extra free hours or a refund in your fees, was £520 per term with middle child, probably not gone up, so a lovely discount to look forward to!
He's 2 at the moment, so a good 2 and a half years before he goes to school.

Loan payment cleared today, thank God and because we've switched electricity companies there's no DD this month for that, usually £48, it all helps.
Stupidly had a coffee at work today and it's gone up from £1.60 to £1.65, we get the 10th one free and they're Starbucks, so that was No9, will have my free one tomorrow and then ditch that for the foreseeable! Have been having a scone each day too using up coppers that had been in a tin, so again once the coppers are gone DH will be baking them instead and so far his taste fab!
Need to list some of DD's outgrown things on ebay and one ebay parcel to do for tomorrow, a thrilling night awaits!!

PWD xx

dangers

PWD, down here, it went up from 12½ hours per week to 15 only this last September. If it's the same in Scotland, then that's an extra 2½ hours per week you can gain - it all adds up!