I dream a dream.

beth111

NSD again to day :T

beth111

Made an OP of £225 today :T

Did not quite make another NSD as by boys needed new winter coats and got some at a great price so had to get them.

Also phoned my EDF to increase my DD ready for winter as don't want to lumbered with a big bill later in the year. Also got them to send me back the £70 they owe me

oasisfeverish

Well done for the OP :T

It will start making a difference and it already has, as that's £225 you now won't pay interest to the bank.

beth111

Not that much to report. DS1 has started full time school and DS2 now goes two mornings at preschool. It is strange not having them about but very quite and allot more tidy.

Switched OH's bank account & got £25 of amazon vouchers, Sold an item on eBay for £49 and facebook for £40 so in theory that should go on an overpayment, still got £99 worth on eBay to sell.

OH's work has started to do overtime so he is doing that on Sunday so that's great news and will make a big difference to our finances, hoping my second jobs will increase in hours when my partner goes back to uni and I can cover her.

This is really getting addictive now and oh is getting more on bored also now, he still leaves me to is but would not have it any other way really.

I have almost done all the father Christmas's shopping for my boys just need to get the family's now.

aghhhh hsbc has changed its Internet banking and mad it allot harder to log in VERY ANNOYING.



Things to do

Get more self employed work
Find stuff to sell
Send off paper work for oh's new bank account & get the £100
TRY NOT TO SPEND ANY MONEY BEFORE OUR MONTH ENDS 25TH apart from essentials of course.

Mrs_De_Bris

Hi Beth

I just wanted to say well done on those over payments and your no-spend days. Good luck on your MF journey; you're doing great.

beth111

Made an OP of £70

Just found out the OSB £156,872.57 Really excited we are in the 156k mark, I can't wait till we brake under 150k, that would be a really achievement for us. I don't really have an additive personality but this is most definitely changing that.

Sold another £92 on eBay today I think I will split half for Christmas and half for savings.
Not really looked for other stuff to sell so I do need to do that this week. Both me and OH worked at the weekend to, that will help with the MF dream. But I was very shocked at how much eBay take's from you, I got charged £5 for selling something at £42

Just been peeking in our sealed pot, the lowest we put in it is £1 coins. Itching to get that open just to see how well we have done I can see lots of notes and it is very heavy. The suspense is just way to much for little old me.

Our month end is the 25th & at the moment we have £140 left and I have done the food shop so fingers crossed most of that will be able to be saved or O-payed, will also get paid £232 at the end of the month.

I am really pleased with my self and OH, last month we where spending way to much on nothing and this month we have £372 left WOW!!

Lets see how much I can keep till Sunday.

beth111

..... canceled the milk man and going to canceled my gym membership once every now and again just is not worth is. Savings of £53 pm

beth111

Today is turning out to be a stressful day. Both the boys where paying up this morning before school which started the day off great

Our month end is 25th. I was really hoping to have saved some more money this week but things seem to be running away from me. For some reason the food shop has not lasted so spent another £24 on a top up shop, dropped DS2 off at pre-school and got a bill for £111, got home to the post to fine my 0% credit card is ending in November, so need to apply for a new one and OH is off to London at the weekend so will spend,spend,spend.

Oh well, got my new lights delivered so that has cheered me up a bit only £11.99 off eBay, a complete bargain and there are lush.

Things to do.
Phone tesco CC ( find balance and 0% end date)

Go though house for stuff to sell (need to find canon camera and lenses as should get £300 for that)

Apply for new credit card.

Tidy house ( I hate housework)

Cancel gym & mink DD's

Get organised!!!!!!!!!!!!

beth111

Morning, Hope everyone had a great weekend. We have all been a bit ill.

Went to a friends on Friday had a really great evening, much needed & only spent £7.44. OH went to London for the day on Sunday and had a nice time while me and the boys where ill at home.

Finally canceled the to DD's and filled out some forms which still need posting, I must get that done today. Ordered allot of Xmas's pressies off eBay though TCB, 10 pressies done for £58 and very almost done all the father Christmas shopping only using vouchers and TCB money.

I had the other credit card statement though and found the 0% to be ending next month, so applied for the Barclay's 22 months 0% with the £50 voucher and it said I have been excepted so I will put CC1 & CC2 on it, we will get it paid off in full in the 22 months if we pay £100pm, which will then free up £100 to add to the payments on CC3 to £170pm.

Also opened a new bank account though TCB for myself and will get £55 for the pleasure and £100 from the bank, So all in all a productive weekend.

I still haven't got to grips with the spending diary I think I will have to wright it on here and see how I go.

Today

£2- DS1 drinks for school
£43 - weeks food shop ( still need chicken)

Forgot the D card when I went shopping to really stuck to my list to save the embarrassment of not having enough money to pay and it has worked out really well and no added extras. :A

beth111

just made an OP of £225 :j:j