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

Flat_Eric

HEY chicky, I've bitten the bullet - here is my challenge flat eric tries again :j:j:j

chickywiggle

well done FE.... veryy brave.

chickywiggle

Sunday 14 August

Spends:
approx £40 in pub (see above).

other then that we've spent nothing at all. took the boys foraging for blackberries. yum yum.

chickywiggle

Monday 15th August..........not a good day!!

A new Kingsize memory foam mattress (ours was cheap when we bought it 6yr ago and just about had it - would have had to buy a new one in next year) for £249 + free p&p. plus if 3 people buy thro my link i get it free, can't get more MSE then that.

A new PS3 controller move dock as previous one not working properly and no receipts etc - £7.99 (taken off a £10 gift card)
Lego minifigure for DS1 (yess yess I know!!) - £1.99 (remains of £10 gift card)
Golf controller for PS3 to go on move controller - 98p (hubby gave me the £1)

3 b/day pressies to put away for DS1:
Bob the Builder boots - £14.99
Lego city storage zip box - £9.99 - reduced from £19.99
Cars 2 v-tech motion game - £7.99 - reduced from £14.99
(all taken out the £365 in 365 days savings)

Greggs lunch - £10 (OUCH.... blame the hubby!!)

Milk, baby food, nappies (YES I went to Mr T and ONLY bought what we actually needed!!!!) - £12 - but actually onto £5.50 as had £5 off the baby food and £1.50 tesco clubcard voucher.

chevalier

Hi there welcome to the boards. Is the consolidation loan a done deal? I only ask because you will be paying interest on interest from the original credit. So usually they aren't recommended. Have you tried snowballing your original debts in the snow ball calculator, and then the consolidation loan payments to see which way you pay more interest. You may be surprised at which one works out cheaper overall.

Well done on realising that you don't need any more baby stuff. It is always handy when you have two of the same sex as you can just pass clothes and toys down to the younger one. Certainly at this age they won't notice or care about it. You just have to make sure you don't worry about it either!

Hope things carry on going well for you
chev

chickywiggle

chevalier wrote: »

Hi there welcome to the boards. Is the consolidation loan a done deal? I only ask because you will be paying interest on interest from the original credit. So usually they aren't recommended. Have you tried snowballing your original debts in the snow ball calculator, and then the consolidation loan payments to see which way you pay more interest. You may be surprised at which one works out cheaper overall.

Well done on realising that you don't need any more baby stuff. It is always handy when you have two of the same sex as you can just pass clothes and toys down to the younger one. Certainly at this age they won't notice or care about it. You just have to make sure you don't worry about it either!

Hope things carry on going well for you
chev

i know all that but we have decided that is the way to go. we want 1 debt to shift rather then 5. believe me has taken a lot of work but that is the best way. like i said at the mo we are paying nearly £700 a month on minimum re-payments so overall it will be better for us.

Igamogam

Just a thought about the kids clothes and stuff....... Have you ever tried your local National Childbirth Trust sales - they were a great source of cheap good quality clothes, toys and equipment when my 2 where little - still get a few bargains now! You can both buy and sell at these sales - all profits go to charity too

chickywiggle

Igamogam wrote: »

Just a thought about the kids clothes and stuff....... Have you ever tried your local National Childbirth Trust sales - they were a great source of cheap good quality clothes, toys and equipment when my 2 where little - still get a few bargains now! You can both buy and sell at these sales - all profits go to charity too

have tried but unfortunately we don't drive and can't access them easily from where we live.

have pickred some good bargains locally tho like around 60 clothes for DS1 for £15 delivered.

chickywiggle

Tuesday 16th August..........A big spend day but mainly on things we needed.

Washing Machine. Ours is on it's last legs and had to be replaced before it went completly. Found the one we were after at a very good price with 10% discount and free delivery. £399 £359

Got a new Asda express as my local shop so managed the essential food really cheap around £13 with about £3 on special cookies as DS1 was really well behaved (rare in a supermarket) and had been very brave after arguing with a door earlier and cutting his head (luckily not hospital worthy but still too much blood for my liking).

chickywiggle

Wednesday 17th August

NO SPEND DAY.....NOTHING....NADA....ZILCH