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SAHM paying off debts slowly

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  • slm6002
    slm6002 Posts: 4,456 Forumite
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    Yay i am back to my normal almost positive self. After a couple of diet cokes and cake with my best mate who also had a terrible mothers day and has a daughter going through the hormonal journey life is definately better. I have spent far too many hours and £'s in the cafe's this week and will have to definately stop it from now on. I have also been going for the easy option when it comes to dinner. I have been grabbing easy dinners rather than finishing up whats left in the freezer. To be honest it is only half full now and that includes lots of ice lollies and ice cream. Guess snacks for after school should be lollies until they have been used up :) I may need to re stocktake just to get my head around whats left and then try to meal plan around it. Got some beef out yesterday to defrost and when i opened it, it smelt awful so that went in the bin just to be on the safe side. I was really looking forward to my beef stew. Will put that on the list for after freezer is empty.

    Have been back to the optitions with DS and they discovered that he has been hiding quite how bad his eyes are. So we have ordered glasses athough i was outnumbered on the ones he should get. They are all the fashion now a days but they are thick black frames and i dont think they look right ut i guess if he will wear them then its ok.

    Daughter is so hormonal it is silly. OH reckons i need to have 'the talk' with her. This is my biggest nightmare lol. I have looked online and bought a book for her. I will leave it until i have got the book and then muster up the courage. Even though i have been through it i am not sure i really know everything i need to tell her - sounds bad doesnt it.
    I am trying to bid on a brownie hoodie on flebay but each time i get near the end it goes so i high i am outbid - fingers crossed this one is mine as her current one is now missing a zip and is halfway up her arms lol
    Me, DD1 20, DS 18, DD2 14, Debt Free 04/18, Single Mum since 11/19
  • slm6002
    slm6002 Posts: 4,456 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Finally i have won the hoodie. I had to go above what i wanted to pay within the final 23 seconds but not too much over and hopefully it will be here before next weeks meeting :)
    Me, DD1 20, DS 18, DD2 14, Debt Free 04/18, Single Mum since 11/19
  • slm6002
    slm6002 Posts: 4,456 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I have been trying to find some extra income and looking into jobs i can do at home. I very nearly lost money to a scam and really wonder if it is possible to get a home based job!

    Youngest starts school in sept and although hubby doesnt want me to go to work as i will not be available to collect kids / look after them when ill when working perhaps a job at home would be ok. But what can i do? I am out of touch with tax etc so wouldnt feel confident enough doing this incase i missed something. I feel an admin type job or something similar would suit me but guessing it wont be easy to find. I used to pack cards but a LOT of time only made a few £'s but that was when kids were at home so maybe easier to do if kids out of the way? Might see if they have any jobs going at the mo. Really want something that pays a fair amount for what i have done. I dont want to be a child minder as thats just not my thing and at the mo i have enough with my own kids :)
    Me, DD1 20, DS 18, DD2 14, Debt Free 04/18, Single Mum since 11/19
  • Eager_Elephant
    Eager_Elephant Posts: 4,714 Forumite
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    slm6002 wrote: »
    Daughter is so hormonal it is silly. OH reckons i need to have 'the talk' with her. This is my biggest nightmare lol. I have looked online and bought a book for her. I will leave it until i have got the book and then muster up the courage. Even though i have been through it i am not sure i really know everything i need to tell her - sounds bad doesnt it.
    lol


    My DD is now 12 and we have had 'the talk' on and off since she was about 6.


    My sanitary protection has always been in the bathroom in a set of wicker drawers so she has often opened the drawer and seen them. Questions started from then on, to start off with she was not that interested but as she started getting hormonal when she was 9 she asked more questions.
    We went more indepth when she was 10 (nearly 11) as she is above average size and I know that this sometimes means periods start earlier, then one of her friends started and this has opened up even more conversation.


    She started her periods in January (just after she turned 12) so we have even more discussions now.


    We have a very open household so she knows she can ask questions of me or her dad which she frequently does out of the blue:rotfl:


    We also started early with the talk on love/sex/relationships - again when my kids have been interested and asked questions we have answered honestly and they have known about all of the above before their friends.


    DD has just done reproduction but she already knew it all, at primary they were supposed to have sex education but they didn't. I was not too concerned as DD is aware.


    Great idea about the book - if it helps open the conversation that is a good thing.


    My mother never spoke about anything gynae related and as a result when I started my periods (at 12) I didn't feel able to tell my mum so I told a teacher who visited my mum at home.
    I did not want the same relationship with my kids and have tried to be really honest with them (this may have backfired when DS, then aged 14 asked me about anal sex:eek:)
  • I did "The talk" about the birds and bees and hormones with DS because DH was too chicken when DS was only 7! He kept asking questions and kids at school were telling him all sorts. I took him to the library after school one day and found a book (perhaps called something like our bodies?? Was a long time ago now so can't remember lol) it was in the kids section so thought it would explain all he needed to know. I got the shock of my life when I opened it and there were blatent pics of couples doing "it" :rotfl: I nearly died from embarrassment! Anyway, blushes aside we went to the sections he wanted to know about and I explained things to him and he never asked another question after that... he was probably just as embarrassed as me :rotfl:

    Home based jobs...is it you who does Avon? My friend does it and she is an area leader (if that's what they're called??) she has over 150 regular customers :eek: and it's her part time job as she works full time too. (she has no kids) but it pays for her holidays and extras and she has won awards for earning most commission in the area etc. So if you're wanting to take something like that seriously you really can earn the money? My sister had a friend who earnt a small fortune inputting data into her computer (unsure of the ins and outs of this one...but was a good earner?!) . How about taking in people's ironing or a small cleaning job (my SIL does this and takes her DD with her if she's not got childcare)?

    Hope you're well anyway :)
    Mortgage Overpayments 2024/25 - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. A-£200, S- £221.34. O-£200
    Total- £1783.67
    Goal pay off 1% of current mortgage in 1 year. £1650
    EF- £642.41/500
  • slm6002
    slm6002 Posts: 4,456 Forumite
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    Thank you EE and DFW for the advice. The book has arrived today so i will have a look through this and see where tgo from there.

    DFW yes i did do avon and had quite a large round but it was a lot of work for pretty much nothing after all costs etc and took up most of the free time with my kids as people wanted deliveries after work and at weekends. I would only do it again if it was a last resort. I am very interested in your sisters friends work though - i think data entry type jobs are just up my street but all that i have looked at seem to be scams once i look into them or want money upfront ( and then still turn out to be a scam!). Dont suppose you know the name of the company do you DFW?

    Anyway the kids and i are off to play chocolate bingo at my sons Beavers group. I feel i will regret taking all 3 but i dont really have much option and want to support them. OH is at his friends building a banger car and then off to racing. He will be gone all day! Have told him he is coming with the family tomorrow for a day out whether he wants to or not :)
    Me, DD1 20, DS 18, DD2 14, Debt Free 04/18, Single Mum since 11/19
  • slm6002
    slm6002 Posts: 4,456 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    What a lovely weekend we have had and such a contrast to last weekend. DS got his new glasses and first thing he did was pick up a book and start reading. He hates to read normally but has read several times over this weekend. He then went up a swimming group which he has been waiting for since before xmas. This also means that we only need to spend an hour at the sports centre rather than 2 and 1/2 hours trying to occupya 4 year old! Spent £6 on bingo tickets with the beavers and we had a great time. Youngest DD was not interested but was really well behaved and did some colouring in whilst we played. We didnt win the bingo but DS did get a easter egg after the loosing tickets went into a draw. Thank goodness as he got down to 2 numbers several times and started crying at one point as it was the same table that seemed to win most of the games.

    Today was a busy day and OH had promised to come to the museum open day with us after not being about much lately. Well it started at 11 and he had to finish his dads car before going apparently, then another friend was coming round to collect another car on our drive at 2! Well we didnt leave until 1 and after telling us not to have lunch and wait till we get to town, we grabbed a few bits from asda - this was not a great lunch and over an hour late for my kids so lots of moaning - then went to the museum to eat it. By the time we had finished lunch it was time for OH to get home. I told him to walk home and we would come home when ready. I knew he wasnt fussed about coming with us and if he had said first thing this morning we ould have enjoyed the whole day there and not had to deal with him moaning over wasting time. Anyway once he had gone home we had a good afternoon :)
    Me, DD1 20, DS 18, DD2 14, Debt Free 04/18, Single Mum since 11/19
  • slm6002
    slm6002 Posts: 4,456 Forumite
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    Right i have been busy this morning .... got insurance sorted for my car which also includes £25 cash back and cheaper breakdown cover than i previously have. Sorted and washed 3 load, unloaded dishwasher, collected cash from OH just before he headed back off accross the country (he needs a new numberplate for his dads car before the mot on sat) and just finished lunch. Days always go sooo fast when i have no kids! I still need to get car number plate, put bits in the loft and get out case for visit to sisters, work out whats left in the house that we can eat (OH out tonight so can be anything really), and also need to hoover and do bathroom. Best get going as time flying by and only have a little while before pickup time. Hope everyone is having a good monday :)
    Me, DD1 20, DS 18, DD2 14, Debt Free 04/18, Single Mum since 11/19
  • slm6002
    slm6002 Posts: 4,456 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Well i feel like i have spent a fortune today but really its only been little bits here and there. I met up with a friend for breakfast (her treat for my bday from jan - its been a long time since we caught up!). We wandered around asda and i mentioned i needed some new trainers - she casually commented get some it wont break the bank - it was at that point that i realised quite how close to the edge we are at the moment - yes a £15 pair of trainers will make things worse - how bad is that. I didnt buy them as my current pair will keep me going a little longer and its more of a want than a need. It has made me reliase i still need to pull belt tighter and totally stick to the budget and not to window shop at all. If i dont look i wont buy. My biggest issue is definately the food budget so that is my main focus for the remaining weeks of this month. To be honest the past few days OH has been away so its been quick easy cheap meals, but i need to make something a little more nutritous and cheap for the rest of the month!
    Me, DD1 20, DS 18, DD2 14, Debt Free 04/18, Single Mum since 11/19
  • slm6002
    slm6002 Posts: 4,456 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    DD had one of the teachers daughters over to play last night so house had to be cleaned. I didnt stop all appart from the half hour swimming lesson for the youngest DD. I got nearly everthing done but am supposed to be finishing it today. Only problem is i feel like i ran a marathon yesterday so either i dont clean enough or i am far too unfit! I ache and am exhausted. Oh well must get on soon as its nearly lunch and i havent moved from the sofa - been doing paperwork and banking.

    It was parents evening last night - the first since moving schools in jan. DS has been having issues with litrature / reading etc and shows indications of dyslexia. I have spoken to his teachers about a month ago and i was so shocked when they put things in place to help him and actually listened unlike the previous school who told me he was just slow and would catch up! Anyway they mark them and show us where our child is compared to the national average. Well we are on track for reading and writing which surprised me and are already way ahead in maths (he has always had a head for maths - it just makes sense to him unlike letters!). Anyway i am really please he is on track and stuff the last school lol. DD is already working at levels at least a year if not 2 years ahead - we already kind of knew this but its good to see they want more and are pushing her. She too has fitted in well which is fab news as she was my main concern when swapping schools.

    Well its their last day of school and nursery today so the easter hols start here - argh i am not ready for them to eat me out of house and home yet. I have told DD i will teach her to use the sewing machine and she wants to make lots of fancy clothes for her dolls - i have tried telling her to start small and easy to begin with but i think its falling on deaf ears! I have been searching the web to find things DS might like to sew as i know he will want to give it a go too but not really going to be into sewing dresses... not a lot out there for boys but will start thinking and see if he can think of anything. Right must get off my bottom and get on with something :)
    Me, DD1 20, DS 18, DD2 14, Debt Free 04/18, Single Mum since 11/19
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