SAHM paying off debts slowly

gailey_2

Hi just wanted to say hi

just discovered your thread.

im married with 3kids and stay at home mum too.
mine are 6months, age 2 and 5.
we have approx currently £23,000debt combined left to pay.

yes its daunting .

im looking for part time job but hubby works shift
sell stuff
surveys
cashback

going to do anything can to get extra money in.

aim for this next year

is clear cards and credit card, loan ends 2015
we dont own house we rent private
we switched everything we can and will continue to do that
i buy mostly 2nd hand for kids and us or cheap
i shop around, batchcook and freeze.

dont get daunted sounds like you on top of it.

it is annoying when hubbys not so good with money.

whats a post office card? can you pay cartax that way?
we have 2cars one needs taxing jan and other in july.


Good luck hope you eldest had good birthday.

debtfreewannabe321

gailey wrote: »

whats a post office card? can you pay cartax that way?
we have 2cars one needs taxing jan and other in july..

Hi Gailey :j if you follow the link here http://www2.postoffice.co.uk/counter-services/counter-money-services/budget-card

that will show you how to get one and what you can save it for. I put £20-25 a month on mine just for car tax but think you can pay all sorts of other bills on there

slm6002

Hi gailey thanks for popping by. Were you on the pregnancy thread a little while back as i think i may remember you from there? Either ways its good to have another perrson to keep me on the straight and narrow.

Had a quiet day today and its going to be a NSD today as not going anywhere so that will be 8 so far. Kids are currently watching films again and later we will make some halloween biscuits so i have something to go in packed lunch boxes tomorrow! Were off trick or treating tomorrow evening with friends for the first time - should be fun

Right think i should go and make the biscuit mixture then can let little ones cut out the shapes - have a great day

Pinky15

Hi I also saw your diary and thought I would pop by and say hi - I also have 3 bambinos and apart from the odd bit of supply work I am mainly a SAHM. Things are pretty tight but we are getting by - look forward to reading about your progress!:)

slm6002

Wow hello - cant beleive people actually want to read my dribble! anywway hello and welcome

slm6002

Good morning everyone - thought i would check emails and here and then get going. Got lots to do today.

Major tidy of house
Freezer and cupboard list
Pay OH wages into my account
DS to Nursey
Cut pumpkin
Get ready for trick or treating
Box avon returns
Find something for dinner

I also have a real feeling that i have an important meeting today but its not in my diary or calender so really dont know. I guess i will find out when i dont turn up and they call!

Just emails to check and then please tell me to do some work if i am back on here before school is over

slm6002

Well i got a few of the bits done and have just got back from trick or treating. Wow what a great time we have had. and the kids have enough sweets now to keep them going for some time (very MSE as wont have to buy them for a while ).

OH said he doesnt want to cancel DD for loan that comes out of his account as it the one loan he wants to keep going with so his credit isnt bad. I tried to tell him that his credit will be messed up either way but i dont think he understands it fully yet. I need it cancelled but i need to tread carefully or he will stop talking about it all together.

Right off to cook dinner for me and OH and then need to box up avon returns for tomorrow morning - got a long list of jobs for tomorrow as DS is at nursery all day so i should be able to get loads sorted hopefully

savingholmes

hi slm

Sent DD and OH to cinema today as an alternative to Halloween. DS has gone trick or treating - we don't agree with it but I do now keep sweets in for the visiting kids. I reckon we've had over 100 kids!! Hard to keep up with that amount

Have tidied and hoovered while they are out...

I think when you are on a DMP you are supposed to treat all your creditors equally.... if your other creditors found out he was still paying one loan in full - which they can track from your credit records I think online - then that could throw the whole DMP into question

slm6002

Fingers crossed everyone please as OH has got a meeting with an friend who is a HGV company manager and may have some work for him. It may not be for a month or so but is willing to take him on without experience which seems to be our downfall at the moment. He asked him to go in and have a chat which in my eyes seems promising. It would certainly sort a few things out money wise.

Well on other new i have been offered some work from aa friend who has recently set up business and then gone back to work as well so is now struggling with it. It would only be a few pounds worth but good for a few xmas pressies maybe?

Also yesterday was my 1st NSD of this month so a good start. I had to buy milk and bread today though so only one so far. I am hoping for at least 10 this month although hopfully it will be more.

Need to produce a list of account numbers and amounts for cccs tonight as this is all that they need, plus copy of OH wages and the child tax credits. They only need 2 hghest things plus my £30 ish a week is not worth worrying about apparently!

Just had phone call from OH's van insurance as its not been paid - need to that tonight as well i guess - think a list is needed

debtfreewannabe321

hey

Has OH come round about the loan dd yet? I had to include all my creditors on my dmp or else the agreement would have been null & void in their eyes, and like you say credit history will have to be re-built as think a dmp will pretty much make it awful!

My fingers are crossed for his interview/chat though!!!

And my kids got bags of sweeties was really shocked at how many do it around here! We bought in a box of little bags of sweets and they all went and we had to put a note on the door saying we'd run out lol!! so over 100 trick or treaters by 7pm lol