Starting Again

Skint_but_Optimistic

Eeh yes, I am at work on a conference call, I like to pop back morning and afternoon, and do a little update if I can...

Yes, we should stop our idle chat and get our fingers out!

Skint_but_Optimistic

Atush, :wave:missed your post in the flurry of posts. Yes I like a postie trip, getting rid of all the clutters!!

My car is akin to the forth bridge. I am saving for a new one and created a "debt" on my spreadsheet which I make payments against and store in a savings account. Hence my money paid off in the year isnt moving really at the moment, but it will, oh yes.:money:

NL, I took the advice of getting off here for an hour or 2.

We made the list and managed to get loads done last night, hoovering and dusting upstairs and down, washing up, laundry, changing handtowels.:T Also did 8 ebay listings, finish Sunday tea time, perfect.

Looking forward to coasting the day at work and eagerly anticipating wine o clock:beer: - after my jobs are done, of course.


Making enchiladas for tea, a little bit faffy but cheap ingredients.

Just hoping the last car part arrives today. If so, I need to take my kids for new shoes glasses, school uniform, holiday stuff.


can go on Saturday as I am avoiding the miners gala (usually go for the political speeches, but havent heard who is on this year) , and rain is forecast, metro centre :shhh: will beckon!

Its Friday, I have had a twix for breakfast, am on my third cup of tea and the sun is shining.

Ta dah!!

mummychicken

Twix for breakfast !!!! :rotfl:

Hope the car is sorted for you really soon.

Skint_but_Optimistic

Hi mummychicken :wave:

Well my car pulley still hasnt arrived so I decided not to rest on my laurels at the weekend, and to try and make some good positive steps.:idea:

So I have decluttered a corner.

Done loads of washing and ironing.

Photographed a load of ebay items.

Listed quite a few ebay items.

Filled in more forms...:dance:

Did some cooking and baking so we can be ahead with meals and to use up contents of the freezer while filling the freezer at the other house.
A blackforest gateux
24 cheese scones
2 huge shepherds pies
3 fish pies
a beef madras
Beef in red wine sauce
Mince and onion pie
corned beef and potato pie.

I would have done more but I ran out of onions and flour. You know what this means I need to update on the decluttering and OS threads too!

Moneywise, I am getting a bit cheesed off, as there is no sign as yet of the CSA money and the text message has not come and it was due on Friday!
How dare they!!

I could be paying bills.

Ebay sales were a little pathetic at the weekend, only one flaming sale (I am used to more than that!!) and they are all relisted and its going to be better next time!!

Im still treating it as a decluttering operation so thats one out.

Haha-

really need to update at a weekend... it seems like all I have done is work! _party_

beanielou

Cooking looks good :drool:

jellybean39

Skint_but_Optimistic wrote: »

Righty -o its Friday! and I have booked a cheeky half day (I had 52 days leave after being on maternity leave and its fairly sunny and my boys are at home and DD2 is going to her dads for the weekend) - really I just fancied it. I have calculated the sums and done the maths again, and made some readjustments. In the short term, Im going to make less massive inroads into my debts, once we move I shall have an additional £500 to plough into the debt. Taking it from 1450 to 1950 per month. The reason that the additional payments of £100 are being cut is to pay for the holiday and pay for the rest of the work on the other house, so we can move faster. I will still be overpaying on my debts by £50 a month though. Additionally, I have had a rethink. If I pay off my old Vodafone account, the default is still going to be there for 6 years anyway. I dont want any additional credit right now, and Vodafone is being charged at 0%, so why settle it this month (apart from on an emotional level I would have loved it) I will roll with it, make my regular payments til I get our holiday and then settle. I had a discussion, last night with the DH. He is a treasure, and fully supports this process, but says things and "forgets". Example. School uniform night last night, the spend was horrendous as its all got to be from their suppliers, credit card still showing zero balance but wont til that little lot hits, bring on exasperated mum and frantic updating of figures and ringfencing of money in the savings on the spreadsheet to make the payment (yes have the money but using the card like a good girl to get the interest free for 30 days thing) and recalculating and checking still on course for the holiday... yes good, with adjustments, can have our family break no bother. OH pipes up about collecting his new computer today (he works in Tech Dev and needs a decent machine at home, he also makes a bit money on the side doing tech support) and also his hobby is gaming and the old one wasnt up to par. So we saved and budgeted and bought the beast, got deals, money off and bought local so we could collect and no delivery charge. Then, in passing, he mentions some game which is coming out, he normally downloads them he said, but would really like a copy of this one, blah blah. I said we each have a budget of £20 we agreed on, which is for fripperies. If I want something, I will save my £20 up. I have been using it on damned twixes though. He was saying about a one of spend of £35 for a game and mentioned he still wanted his magazines and books for the month too. I could feel my blood start to boil and we had the conversation *again*. Now hes generous with me, but I wont spend anything on myself. My role seems to be as spoiler. :-( I am getting my hair done at the weekend of the 25th, but I am using the birthday money I resisted investing. Its not the cut, those are budgeted for its my fancy schmancy colouring with foils and faff.
Well following this little uproar and outrage, we discovered it was pre order now, and is out in August, his birthday is September. I said ok then, pre order it, and its from me to you for your birthday, then I can get him something from "the kids". I need to realise my mindset has changed, and people are along for the ride but sometimes need reminding of the situation.

Anyway, DH has just texted me, theres another item been collected from my ebay sales, and another £50 towards the holiday fund (investments are suspended during holiday saving time too, but shall resume once this has passed!)

Eeh eck. But its a hard journey at times this money malarky. Anyway, back to the half day. Im going to the post office on the way home, then home, where I will do washing and I will try and start cutting the grass til the lads get back. I will then take DS to the doctors despatch DD2, do a half hour of ironing, list a couple of ebay items in turbolister, and count up loose change £2 coins update spreadsheet, etc. Box of chocolates eh, but of an unexpected chewy last night. Love my family - just want to build a strong future (not at the expense of strong memories), so onwards onwards xx

As a hairdresser did u know that toni and guy do model nights that will include level 3 students who are qualified but need experience and they will charge prob half price for your patience! most salons do this we often do ours free or charge a very small fee to cover just the basics. water etc could spend the xtra on a pedicure;)

jellybean39

I think you are bloody amazing have been reading your posts tonight and think you are an absoloute inspiration. i hope i can be as motivated as you just hope hubby will be as good to.
And do u just do washing and ironing all the time?
Hope whne u all sorted u all have a wonderful holiday.

millionaire_in_training

hello there. I've just read right through your diary and I am exhausted :rotfl:. Jeezo woman you are one busy lady. I thought my life was busy but I am lazy in comparison. Good luck with debt, house, ex etc etc

Skint_but_Optimistic

jellybean39 wrote: »

As a hairdresser did u know that toni and guy do model nights that will include level 3 students who are qualified but need experience and they will charge prob half price for your patience! most salons do this we often do ours free or charge a very small fee to cover just the basics. water etc could spend the xtra on a pedicure;)

Ooh hello Jellybean39 and thanks :T

I might check that out, think theres a toni and guy in town, bet its well subscribed with the encumbent student population!!! :eek:

Will try though....

Wouldnt mind a fish pedicure, poor fish, faced with my mouldy old trotters!!! :rotfl::rotfl::rotfl:

Skint_but_Optimistic

beanielou wrote: »

Cooking looks good :drool:

No one is dead yet either, so its a win win!!

Cheers, its a time and money saving long term plan type thing!!! I hope !!