Chasing the debt free daydream...

Winnie_in_Pooh

Thanks for popping in Soubrette! I agree about the diaries - there are some hugely inspirational stories!

I get DS's flour and pasta on prescription. He won't touch GF bread and I can't say I blame him! I do make a flatbread with olive oil and cheese using his flour that he likes though. And pancakes which we all like

Winnie_in_Pooh

Ooo I had lovely dreams about French campsites in the woods and fresh croissants last night :rotfl:

Poor DH didn't though, he didn't sleep a wink, he's in so much pain just got to try to limp him through until 12.15 and then the troublesome tooth will be pulled out and hopefully that will solve it.

Having problems logging on to my internet banking this morning. It's one of my many OCD's - even though I can tell you to the nearest 10p how much is in there without checking, I still have to check. If it still won't let me in I'll have to go to the cashpoint and get a mini statement!

I have a few things I need to save for over the next month ready to be paid out in September. DS needs to restart his swimming lessons at £50, its DS's 11th birthday (probaby get a bit spoilt this year, being his last year as an only child so budgetting about £150 for this to include pressies and party - hopefully get his dad to go halves with me on the party), little car needs taxing (£80 for 6 months) and big car needs MOT and service (£280, unless we need new parts which will inflate this by mega bucks!).

I'm planning to raise the swimming lesson money and some of the birthday pot from ebaying stuff. The car service and MOT should be mostly paid for under the service plan thing we pay monthly for, but that doesn't allow for parts. Money for car tax is paid onto the Post Office budget card thingy (admitedly I'm really bad at this and only do it when I remember ) but I should have at least half towards it - must check!

Phew! Not to mention the baby will be imminent and the consensus seems to be that we won't be waiting until October to meet him :cool:

I really need a PA to organise me better :rotfl:

Winnie_in_Pooh

Just did something a bit daft. I worked out that Little Dude Mark II's due date is in 73 days!! :eek: Bit scared now!

Also managed to get in to internet banking and its all good

mum2one

l.m.hart wrote: »

I might do that too. its dh 50th next year and he really wants a holiday abroad to celebrate.Dont want to book anything because things always go pear shaped when we do but just try and save enough so we could.All feels a bit daunting as ploughing every spare penny into getting rid of the loans and mortgage.
Its my birthday today and i feel a bit down for some reason want to do something exciting but cant afford to ah well must put on my brave face and get off to work.
Good luck with your course, wish id done the uni thing and stayed ina good job but i have done rubbish jobs for the last 24 years to fit around the children now i dont think im employable. enough rambling have a good day:D

Belated happy birthday, hope you had a good day and you had a treat.
Its never too late to do uni, you haven't wasted your life, you have valueable life skills and business skills, time management, finance, theres plenty of older people that study, i'm 40 and studying for a degree. I'm doing mine with Open Uni, - can't recommend them enough.xx

never_too_old

mum2one wrote: »

Belated happy birthday, hope you had a good day and you had a treat.
Its never too late to do uni, you haven't wasted your life, you have valueable life skills and business skills, time management, finance, theres plenty of older people that study, i'm 40 and studying for a degree. I'm doing mine with Open Uni, - can't recommend them enough.xx

i might just look into that, thanks:D

Winnie_in_Pooh

:j:j:j we've got the insurance money!!! :j:j:j

Thank god for that, that's a huge weight off! Have called the builder (aka wonderful step dad ) and he's coming to do the work on the weekend of 13th August, so just two weeks to wait! Will organise DH to take some time off the following week to decorate and move the furniture back upstairs. Such a relief to know that the end is in sight!

Poor DH is still suffering with his horrible tooth. His dentist is a tiny little woman who was pretty much dangling her whole body weight off the pair of pliers that she'd clamped around his tooth and the thing still wouldn't budge! Cue DH passing out cold in the dentists chair, her giving up the dangling and him getting a massive dose of antibiotics and a referral to have the blimming thing pulled under general anaesthetic. Just keeping my fingers crossed that the antibiotics work and the appointment comes through before bubs arrives! He was just chuffed he managed to eat a pasty before the novacaine wore off :rotfl:

l.m.hart - have a look here: http://openlearn.open.ac.uk/ there are lots of short courses that are all free. They're extracts from the full OU courses so it'll give you a taste of what the materials are like and might help you narrow down something that you're interested in! Since I found it I've done philosophy, personal finance and the history of the microchip! There really is something for everyone

DS is off to Longleat this weekend with nanny so we're at a bit of a loose end seeing as we have an unscheduled free weekend! Think I might start off by sticking some washing in the machine, then a long soak in the bath with a good book and then see where the fancy takes me!

Hope everyone has a good one, whatever you get up to

Winnie_in_Pooh

Can barely believe its already August and I'm 30 weeks pregnant today! How can time move so fast but so slowly at the same time!?!

Anyway, we're a bit skint this week - not completely but not as comfortable as I like to be - but we have £35 to last until Thursday. Both cars need diesel, probably £10 in each will do so we have £15 "buffer" money. DS is away until tomorrow morning and then he's off again on Friday morning so I only need to amuse and feed him on Wednesday and Thursday daytime this week. I have a chicken to roast for tea tonight for me and DH, which I'll turn into curry for tomorrow. It's only a dinky one so I'm not sure if I can make it stretch to another night but if I can I will!

I had the tax credits notification at the weekend and fortunately they aren't changing for this year which is a huge relief because I was pretty sure they were going to get hugely reduced. I think they'll increase a little in October when bubs arrives, and I know our child benefit will increase by about £13 a week so I'm hoping to cover the cost of nappies etc with this.

I've definitely discovered the bonus of buying things in bulk too. This week I bought 48 loo rolls, a 15kg bag of dog food and a 5kg box of fairy washing powder which cost £42. The loo roll should last us until at least Christmas and the dog food about 6 weeks and saves about £20 on buying smaller amounts. I'm not sure how long the washing powder will last because I normally use the liquid stuff but I'll report back when the box is empty

Going to take DS to the library on Tuesday afternoon, to the park on Wednesday afternoon and going to bake some golden syrup cake or muffins on Thursday for him to take on his camping trip next weekend!

Love having plans, I find it so motivating!

DebtFree2012

Morning Winnie!!

WOW you have been flying along in your diary!

Loving the motivation. A great read for you to go back over if it ever lacks.

Ooh I remember being 30 weeks preg - it's so exciting - my youngest is 14 months now and where's that time gone!!!

Hope OH tooth is better v soon.

Lists, lists and more lists!!! Keep it up

xxx

nataz

Hiya Winnie, glad to hear things are settling a bit, tho I feel the pain of just having a few quid left and the relief at the tax credit notification. I had a really scary moment when I checked the bank. They'd paid in £65 on 28 Jul and I was so afraid that was our new money (its normally £370 with disability bit) but thankfully that was just one of their very strange random payments... phew!!

I've joined the August grocery challenge for first time, really want to cut that down, £450 is just too high! But Im useless at batch cooking etc so Im gonna have to learn pretty fast.

I've got a whole chicken so I might give the curry a go too. I guess you wouldnt need to cook the curry for as long as the chickens already cooked.

Might need some of you motivation

MissShoes

Just caught up on this thread- good luck with the new arrival!

Shoes