mummy2threeboys crawls out of the mire

mummy2threeboys

well i finally had my lightbulb moment and added up all by debts and not surpised to be honest..disgusted mostly. These are my debst i ahve no idea where they come from..i do a lot of treating of myself and the children , dh pays all the bills and im great at saving the family money..not so good at saving my own though. So heres my statement

current debt

hsbc 780.00
loan 1500.00
barcley loan 4185
very £486
total = £6971 :eek:

incomings £307
outgoing loans at minmium and phone 196..want to over pay £260

left over £111.max leftover minium £47 or £12 a week..it is do-able!

i want to over pay the loans etc and can make this up to a minum of £260 plus any extra money i can throw

have snowballed and my debt free date is march 2014:(

will post my new debts once a month .

mummy2threeboys

struck gold today a friend bought all of her old reusable nappys around for me (due son number 3 shortly..well today in fact!) so ive washed them all sorted out big from small, and thrown the dead ones away. i have used them before but freecycled the last lot..this has saved me a fortune! i love her.

made £12.56 in ebay sales..not much but i have a bid of £25 on some other things. will pop all that into my hsbc loan i think. have cut up my barcleycard visa today. Planning on making choc poferteroles for the first time tonight.

mummy2threeboys

made the profeteroles got 15 out of the mix they cost about £2 to make, not bad but i cold make them cheaper i think i should replace the choc with frugal picked blackberrys that whould save about £1..plus i could pick extra for crumbles..just the boys keep eating them everytime we go and get some! Just been picking up my old survey sites i used to do so will re start those. i used to get maybe £20 every 2 months or so. I need to do my daily clicks on quidco again and ive just cashed in £25 of amazon vouchers from swagbucks i get about £25-£30 a year not much but i put it towards the kiddies christmas pressie..will look out for some deals closer to the time. Managed to get 2 huge bags of spinach on bog off..which i can freeze fresh so i got 6 normal size lots out of 2 bags..not bad for £1

mummy2threeboys

had a payment into bank today current debt is
current debt

hsbc 645.00
loan 1500.00
barcley loan 4185
total = £6485 now £6330 df day feb 2014..but i guess this will flucate as i have 3 bills to come out soon

mummy2threeboys

had some reduced bargins at co op today £2.10 for a family pack of stewing steak, £1.65 for doz free range large eggs and £1.95 for a pack of 4 pork lions , Also won a pair of brand new boots £4.95 from ebay..mine are beyond repair now. Have decided to take drastic action..i will not buy anything new until my debt is clear, it either has to be free or if its really needed second hand. Payed out £20 from paypal to bank today which paid for ebay postage, boots and food and im now £10 up ..wow ..every penny counts though better off the debt than onto it again!

Todays frugal meal is chippolata casseole..chippolatas tend to be cheaper than thick sausages ive found
2 chipolatas per person £1.35
2 large potatoes 50p
i tin smart price beans 30p
1 tin of smart price tomatoes 40p
onion 20p
other ingredents as below 40p approx


add to this some left over red lentils that need using up , some herbs and some spinich bung in slow cooker all day total cost for family of 4 £3.15

mummy2threeboys

had my little boy luke on the 28th and hes breast feeding really well..cant afford formula anyway! onto cloth nappys now but i had them with my elder 2 sons also. made £57 in ebay sales ..what was i thinking up loading a load of ebay stuff just before i had a baby lol..have now updated signature nice to see the overdraft coming down..and no over the overdraft fee this month just the normal rate ..yay not had that in a couple of months!

savingholmes

Congratulations on the birth of your son and welcome to diaryland. Have a look at the up your income board any DFW challenges as ways of increasing your income. The old style board can help with money saving ideas and the celebrations board is great for planning for birthday and christmas presents! good luck

Also have you checked whether you can move your debts to lower interest cards as that would make a massive difference to you if you could.... especially if you did it via a cashback site... like quidco

Betty_Crumble

Cogratulations on having baby and well done for trying to do this at the same time. I hope you do well and keep up the momentum, its all for the good and your boys will have the joy of a mum with no worries at the end of it.

Flee_2

Congratulations to you on the birth of your baby. Good luck with your money saving.

mummy2threeboys

wow how lovely just re added up my loans and its come down to under 6k for the first time in years im so determined now more moneys beng paid off instead of going to bloomin interest..not much of the od left but sadly its taken a bit of a beeting what with christmas but hopeing its in the black by feburay and still managed to make small overpayments to loan and cc. merry christmas all!

mummy2threeboys

hello diary its been a while..3 boys keeping me very busy, this week i made £170 in ebay sales, im waiting for £45 payment to come from top cash back, i also have about £20? from swagbucks due. Slowly things are clearing..im preety sure my od will be paid off by next months payment..i think ill be toatlly debt free in 16 more months or..16 pay days..fingers crossed as long as tax credits stays the same i hope i hope , my booze intake has really gone down and i dont miss it, shared 2 bottles in almost 10 days. im on the atkins diet just tempory i need to shift this last half stone, and im also doing the 30 day shred had some good results so far. Im also running 5k for cancer reserch onwards and upwards. overdaft fee came in half of what i thought so that was great. Nothing else to report, hopefully next month ill have another clapping icon on my signature ! Cant beleive wee man is about 8 weeks of a whole year old!