children, cross-stitch and chocolate. Chickywiggles debt-free diary

chickywiggle

my notes for update:
cocktails for 3
mort.

Flat_Eric

chickywiggle wrote: »

must update my toiletries stash as my mum/ sister got me some more for my birthday.

Question: I got about £100 in birthday money. Is it really wrong of me to actually save it and spend it on treats for myself that i wouldn't normally get (i'm not saying boring things like toiletries/ makeup that i don't need but in a few cross stitch bits as and when i need them?) instead of on paying the credit card bill from family days/ food???

I would be inclined to loan the money to yourself to pay off the credit card which attracts interest (possibly ppi charges as well). Then when the credit card is paid off, you can treat yourself to something plus with the extra pennies you have saved in interest - you can pay yourself the interest for the loan you made

chickywiggle

oh dear things are going from bad to worse here.
The money seems to be vanishing I MUST rein it back in!!

May 2012

Food: £210
Baby: £17
Household: £35
Misc: £125.

Total monthly spend: £380.

Money made from sales: £45 (ish)
New credit card total (includes the money we spent on holiday): £400.

Am tearing my hair out again - grr life shouldn't be all about flipping money!!!!!!


No spend days: 9/ 31.
Books finished: Toast by Nigel Slater.
Books bought: 22 Mr Men for the kids collection (charity shop - £10), 1st 2 'Millennium' trilogy (£2.50 each charity shop).

chickywiggle

to blog or not to blog...............that is the question.

Ok so this WAS to be my blog.

However apparently you can't just post in each page. E.g. I want to post Cross stitch stuff in cross stitch, £365 posts in 365 etc etc etc.

So does anyone else use a different (free) blog programme that will let me do that?? am finding it hard to use this MSE thread to track what I want as well as I want.

TA.

Flat_Eric

chickywiggle wrote: »

to blog or not to blog...............that is the question.

Ok so this WAS to be my blog.

However apparently you can't just post in each page. E.g. I want to post Cross stitch stuff in cross stitch, £365 posts in 365 etc etc etc.

So does anyone else use a different (free) blog programme that will let me do that?? am finding it hard to use this MSE thread to track what I want as well as I want.

TA.

On MSE, I have a thread on the Debt Free Diaries board. It can be found here

I also have my Cross Stitch blog (which I must update) here

I don't know if you can create sub blogs ??? As to MSE, well its the best thing since sliced bread as far as I'm concerned but I find it tricky to keep up with it and although I like to partake in the weekly spend challenges/grocery challenges/meal planning threads etc, I find it a bit of a faff keeping up with the various threads/finding them (particularity the spend challenge which is set up weekly) so I set up my diary so I could keep track in one place of any challenges I might be doing and to bemoan life etc.

My blog is primarily to record my cross stitch efforts but it is a kind of diary as well. I will let you know if I can set up sub blogs?

chickywiggle

Just found out hubby has (for the 2nd year in a row) spent £700 of Pool money. (this is money he collects from his pub pool team that at the end of season is used for prize money/ trophies)

He has just told me it's not it's £250.............well thats not what the bank statement says (starts 30/6 @ £739 and ends 30/7 @ £19. no money going in ............. all out!!!! and he'd never have a starting balance of £739 otherwise.

I'm FUMING :mad::mad: And reallly don't know what to do. There is no point me keep talking to him about money he just doesn't care. seems to think he is entitles to spend as much as he likes in the pub/ buying food every day at work etc. I sware he'd be happy for us to be in debt for ever!!! I cannnot take it any more.
After we go married I took all our debt (that had basically acrued from getting married + being stupid enough to trust him with a credit card) and got a loan. then we ended up spending on cards again............. and got another loan.
I have eventually been able to get down to 1 loan that we are paying off at nearly £400 a month and finished in 2016. I want a mortgage and house but it's never gonna happen.

Part of me wants to say 'stuff it' put everything on creditcards, only pay off the minimum every month and stuff it all............................................................................but I can't.

have just txt him back with the above and waiting for an answer. But at the moment I don't want to look at him let alone talk to him.

IF I make it until 'next year' he can give me all the money as he gets it in and I will keep hold of it. I will NOT have a repeat. Tho the way I'm feeling we won't still be together at christmas let alone by next pool season.

Dorastar

Huge hugs Chicky - didn't want to read and dash - I have a dh who is similar in his attitude and I still have a daily struggle with him over £.

Don't really have any wise words and feel for you over the pool money, can you suggest to his pool mates that one of them should take on the role in future? I know that doesn't help with the immediate problem but it would take it away from his hands for the future.

Hope you manage to get some time to think about things and some calm to help you work out what you want to do about it.

chickywiggle

i've not spoken to his pool mates in 4 years. I told him last year I don't want him doing it anymore and get told "but no one else would be able to"........you don't want to know the following argument. Then he eventually agreed.
But what a surprise....... this year.............. back to him!

Will claw it back on food. when I don't bother re-stocking the freezer (other then stuff for me/ kids which he doesn't eat) he might get the message...............................might.
we really will be living on beans on toast until christmas.

The_Dragon

Hugs - um how is he going to pay the money back?

chickywiggle

well I Do (luckily) have £700 stashed away for xmas/ holidays/ birthdays but I'm not telling him that. it's taken me AGES to save it up. And it was supposed to be for treats.

So looks like we won't be having christmas this year.

the extra weekend away I had planned in september won't be happening.

And the stuff I have been trying to sell will have to be sold for stupid money just to get a few extra quid in.


and if all else fails it would have to go on the credit card like last yeat.

But I'd rather let HIM work it out. he gets £40 a week to spend in the pub - so he'll just have to not go out!!!! he'll have to take sandwiches to work.

One things for sure - he can hand overall his bank cards. he wants to act like a child I'll treat him like one.