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mummy2threeboys crawls out of the mire
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cheep/frugal Things ive done today
bought some treats in holland and barrett..mostly goodies for baby but a whole months worth for about £6.80, they had buy one get one half price.
checked bank and adjusted sig/snowball
hang washing on line
claimed swagbucks £10
been to baby and boob feeding group..got a cookie and a cuppa, free
stuck to diet ..3lbs off so farCompers challenge 27/70
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Managed to post some parcels, buy reduced huge chunks of fish and a reduced salad and 15 reduced eggs, a disney cars mac truck and 2 books for a wopping £10 ..i managed to put some items back too yay.
Today im planning on eekkk..sewing myself a dress, my mum gave me some 70s fabric that will be wonderful but im worried i might end up looking like im wearing a curtain!
Had a ebay problem lady saying dress i sent zip doesnt work..although it did when i took it off last time obviously. She wants a full refund and for me to pay for a new zip to be put in..she can go hang for it. It only cost her 99p for goodness sake ive offered ehr a full refund provided she photographs said broken zip, im not going to be out of pocket and a dress twice!
Od WILL be gone enf of the month it will!!..The on to kill the loan , seeings as im now saving about £27 in intrest on my very and od accountCompers challenge 27/70
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Brand new month yay! Ive just signed up for 25 alchol free days, 25 no spend days and pledged to buy no new clothes for the year..i think im off my rocker!
Im going to have to reclaim some clothes i think some are still maternity ones..thankfully im ok with a sewing machine. Just bought some cotton thread off ebay as id run out for a baragin £1.70 with delivery..not sure how that works but its normally double that in the shop, i also need to get a zip and a new bobbin pin as mine has snapped. Im actually really looking forward to making some of my own clothes again. Make do and mend is the future..like garlic bread and nachos.
Diet going well 3lbs off this week but really peed off with eating salad..need to find some low carb treats dave bought home some choccy fingers and i just stared at the whilstfully..he knows how to torture a girl. Although he did go out so i had the tv, a hot choc and a book all to myself..without a hint of !!!!!!! football in sight..BLISS!Compers challenge 27/70
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This weekly weigh in ive lost 3.5lb a total of 35lbs
just another 5.5lb and im goal weight!
off to co op today after school run i noticed they had a lot of stuff on sell by date for the 2nd. Hopefully get some bargains. Need to post 3 things, withdrew £11 from paypal which will pay for the obove, and found £4 in coins outside the local shop, need to buy a zip and somw drawer runners and drawer savers from flea bay.
Need to list some more on ebay, hopefully all my remaining items..about 12 lots?
managed to score 2 black sacks of clothes for the elder two for nothing.
And some great news the man coming to do our attic conversion asked if he could move it forward a month as some client had dropped out..i said yes eek, he starts next friday lol.
This weeks task is empty the attic!Compers challenge 27/70
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Attic men have been here 5 days and im getting frustrated with the noise, but you cant make omlettes without breaking eggs, will be nice to enjoy our house instead of tripping over each other 5 people in a 2 bed house gets a bit cramped sometimes! Just repainted the living room, changed the furniture around and it looks like a whole new room..for a baragin £13 cost of paint from wilkos, gone for a nice soft chanel grey.
This month providing tax credits stay the same i should be in credit for the first time in 15 years in my od..although it will go back into my od during the month, thats some achievement. I think our tax credits will actually go up a little as dh earned less than expected last year but i hate !!!!ing my chickens before they hatch with the tax people, time will tell, wonder if i get any back dated too? urgh, i need to know!Compers challenge 27/70
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Well tax credits has come in as normal, still awaiting a final figure, feel nervous! My od is at the lowest its been in 11 years! im so thrilled either this month depending on if i can find more money elsewhere or next i might actually be in credit wow! Been keeping this diary almost a year now will have a 1 year revaluation next month
Went to the beach yesterday even tht cost £20 with chips and buckets and spades drink..next time must remeber to pck a picnic and get cheaper spades from poundland!..free day today cake baking and libary.
Compers challenge 27/70
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Holy hell! Just checked my bank and tax credits has gone in, i under estimated dh earnings by about 5k last year (they suddenly stopped bonus) and we have no savings at all now. Lets just say i can now wipe off almost 1 bigger debt lord knows how many months, i feel extreamly sick and shakey, i really really hope its not an error, ive never had that much money in my life, i feel like ive won the lotto
The snowball site gave me a cheer ""wooh you have paid off this debt" and ive paid off over half off my smaller loan. I feel so so happy! ive wiped off 3months off my debt and im in credit in my od and i still have another 2 payments to go in.Compers challenge 27/70
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Just added up my debts and ive cleared 40%..who knew tackling debts whould be so addictive!. Ive worked out i have £89 to last 19 days but all bills food etc has been paid for so its play money, what ive done is to devide it up and it comes to about £4.15 a day, so every nsd i have i will transfer the £4.15 over at the end of each week to pay off a bit more of my loan. so 3 nsd means £8.45 extra cleared, incentive not to spend anything isnt it!
20 more days until my 1 year diary anniversary! Wow you know what i love at the moment the breathing space, the fact i can get money from my bank accountt without seeing hundreds of pounds of debt behind the figure and wondering if i can actually get money out! Im going to do something very important next month and reduce my od to just £200 (not use it though unless its a true emergency)
Todays a nsd but i owe my friend £4 for a huge bag of sugar she bought for me. Today i making my friend a very special birthday cake so that will keep the children amused !Compers challenge 27/70
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really having a bad day with my pnd. Plus my poor poor nanna has had a heart attack , having been recently diagnosed with mouth cancer. im not allowed to tell anyone not even my aunts or uncles, only me and mam know, i hate having to have this burden i know i will get told off because i knew.
Postive part, my have now been accepted for a new bank account with santander i know lots have issues but its one of only 3 banks in my tiny "city" the other 2 look like they are about to shut too, plus its going to be a hwol new fresh start from hsbc, not to mention £70 cash back! if it doesnt work i can allways switch banks. I dont know why such a simple thing makes me feel postive but it does.Compers challenge 27/70
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Transfered £200 from my hsbc account to santender account, so that i dont inccur any charges made from the switch over, must remeber to clear this back when my money goes in at the end of the month .
Feeling a lot brighter and happyier today. baby has been very very cranky, still currently living with my mum whilst the major work is being completed , so am very stressed knowing my home is being ripped apart . Thankfully baby decided to nap this afternoon so im enjoying a wee bit of leisure time.
Made £12.06 in matched betting only paid £10 so got the £10 and £12.06 back and £15.05 cash back via top cash back , but have to wait till end of october for that to payout. £33.03 with new snatander account. It all adds up, im really going to try and push for paying off £500 on my debts instead of £300-£450 that i have been £450 is me being careful yet not making any efforts to make extra money so i know i can find the extra £50 a month some how.
Need to raid my piggy bank and cash in any money there think theres only about £13 , but will use that to take off the hsbc loan..really want to kill that by october the 3rd when the 100 days v 1 debt deadline ends. Doing so well. With this debt busting, have spent £100 on 2 weeks shopping and dh normally pays for it so could have been a bit better off this week.
manged 50 lightspeed points so almost a tenth twoards £50 cheque lol and next £10 paypal from swagbucks coming up soon. Think thats about it on the money saving frountCompers challenge 27/70
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