On the up (Hopefully)

sugarcube84

DH has a card with the same company as the one who have locked me out of my credit card, I went online to increase his direct debit last month and they haven't changed it!! So I had to transfer the balance to my account and then make a card payment, anyway all done now. Both of DH c/c payments are done for the month so he is now sub £5k. Woohooo! Only 3 more payments and then it will be one less c/c!


Need to go shopping for my niece's bday prezzie this weekend and will pop to the [EMAIL="C@rd"]C@rd[/EMAIL] factory to stock up on 7 cards for £1. Will use my cashback earned so in effect it will be free, just limited to where I can spend it but that shouldn't be a problem.


Hopefully should be a quiet weekend..... swimming, shopping, hoover, mop, bday tea and finish driveway....as I said quiet weekend :-)

sugarcube84

Well the weekend was de railed slightly by both dh and ds being sick on Saturday morning. So no swimming, the only shopping I did was popping out for a bday present for my niece as it was her birthday on sunday, I didn't hoover or mop and the driveway isn't finished.


We did managed the birthday tea , the house viewing , a cinema trip and a cheap meal out.


The house viewing has confirmed our plan for the house move which is sell up next summer, rent in the same area as ds goes to school and build up our deposit and then look for something bigger than we can currently afford (limited by our lack of deposit not the amount we can borrow) We have looked at what we could afford in 12 months time and it simply isn't big enough we would be itching to move again in 12/18months, and the amount that we would have paid off the mortgage in that time would be wiped out with selling/solicitors fees. So it's probably the one time that renting isn't a waste of money plus it means we can move quickly (houses are selling in a week!!) and have no chain. So that's the long term plan.


Not much to report in MSE world, the banks are behaving, it's pay day for me next Wednesday, I still haven't received the referral money from the insurance company!! my ISA is active again and I received confirmation that ds savings won't have interest deducted again.


Off to look for a recipe for something interesting for tea.

sugarcube84

Interesting read in the weekly email about mortgages. It has just backed up own decision to rent while building up our deposit as this will save us a lot of money in the long run with a better interest rate, while being in our preferred area so we don't feel like life is on hold and giving us the option to move quickly if a property we like comes on the market.


Tea was lovely, honey sesame chicken with chilli and spinach brown rice and I used up the cauli and broccoli in the fridge so all very healthy. Tonight is lasagne with some tender stem broccoli.


DH was very impressed at me finding the motivation to do my shred dvd at 9.30pm last night, think he was a bit shocked! he doesn't normally get in until 10.30 but he's on a shift slide this week.


Going to have a play about with my budget based on dh predicted second job wage for the next 3 months, he has just done his rotas up to the end of the year, rather than his minimum 2 shifts a week. Should see a bit of a difference in the amount left over figure just need to decide where to put it to use it to our advantage.

sugarcube84

Parents evening tonight so fingers crossed they think he is doing well after the issues we had at his last school. I can see a big difference in him he is so much more confident and enthusiastic with his reading.


Banks all as they should be. We have had no news yet about dh payrises but his manager at his second job had a chat with him off the record and indicated it could be around 50p/hr which is wonderful!! He is feeling so much more positive at the moment and has started to look to the future which I'm really happy about. Now he can see we are only 9 months away from being df he seems even more determined and is almost working 2 full time jobs with the extra hours he is taking on at his second job, as he says it's not forever.


Bringing back my to do list to keep me focused


- sort gas and elec meter readings
- organise haircut
- sort out all the transfers to be done when I get paid next week
- chase cheque from insurance company
- eat out of the freezer/cupboard as much as possible this week before I get paid next Wednesday
-revise, revise, revise for my exam at the end of the month
- workout at least 5 days a week
- buy soft toy/dressing up storage bag for ds bedroom as he bust his last one hiding in it. Preferably in blue to match how I'm going to decorate his room next year and preferably on amaz0n so I can use vouchers!!


mmmm think that's about it for now.

sugarcube84

Parents evening went really well, settles, happy and progressing well so I'm really happy that the big decision to move schools has worked.


Last driveway invoices are in and........£100 under budget so I'm very happy with that.


For some not so great news we all had colds/bad sinuses so I predict a lot of feeling sorry for ourselves this weekend.


Update on my to do list
- sort gas and elec meter readings Done
- organise haircut Half done she is ring to confirm when she looks at her diary
- sort out all the transfers to be done when I get paid next week Done
- chase cheque from insurance company
- eat out of the freezer/cupboard as much as possible this week before I get paid next Wednesday
-revise, revise, revise for my exam at the end of the month
- workout at least 5 days a week
- buy soft toy/dressing up storage bag for ds bedroom as he bust his last one hiding in it. Preferably in blue to match how I'm going to decorate his room next year and preferably on amaz0n so I can use vouchers!!


New tasks
- send off car transfer form and sort out SORN
- book house viewings

sugarcube84

As predicted it was a weekend full of feeling sorry for ourselves. We did managed to squeeze a bit of shopping in though, so we both have new, much needed, winter coats. Hubby needs a new jumper now and I desperately need some tops/jumpers as it's starting to get a bit chilly in the office.


DH should be hearing this week about his pay rise at job number 1.


So updated to do list
- chase cheque from insurance company
- eat out of the freezer/cupboard as much as possible this week before I get paid next Wednesday
-revise, revise, revise for my exam at the end of the month
- workout at least 5 days a week
- buy soft toy/dressing up storage bag for ds bedroom as he bust his last one hiding in it. Preferably in blue to match how I'm going to decorate his room next year and preferably on amaz0n so I can use vouchers!!
- send off car transfer form and sort out SORN - Done
- book house viewings

sugarcube84

Pay day tomorrow and I'm going to treat myself to a jumper, it was freezing doing the school run this morning! Still managing without the heating on though.


To do list
- chase cheque from insurance company
- eat out of the freezer/cupboard as much as possible this week before I get paid next Wednesday
-revise, revise, revise for my exam at the end of the month
- workout at least 5 days a week 1 down 4 to go for this week
- buy soft toy/dressing up storage bag for ds bedroom as he bust his last one hiding in it. Preferably in blue to match how I'm going to decorate his room next year and preferably on amaz0n so I can use vouchers!! -Ordered, will sort his bedroom out when he is on his sleepover a week on Saturday.
- book house viewings One done one to hear back from


New list
- order jumper
- xmas shopping, pick up/order a couple more prezzies
- dog food, must buy dog food!!

sugarcube84

Well I cashed in my survey vouchers to do a bit of xmas shopping still waiting for £20 as they had run out, presents bought my dh, MIL and mum and then while I was on the internet I did a bit of shopping for myself.


To do list
- chase cheque from insurance company Chased and they are going to put in straight back into the bank which will cover my little spending spree!!
- eat out of the freezer/cupboard as much as possible this week before I get paid next Wednesday
-revise, revise, revise for my exam at the end of the month
- workout at least 5 days a week 2 down 3 to go for this week
- buy soft toy/dressing up storage bag for ds bedroom as he bust his last one hiding in it. Preferably in blue to match how I'm going to decorate his room next year and preferably on amaz0n so I can use vouchers!! -Ordered, will sort his bedroom out when he is on his sleepover a week on Saturday.
- book house viewings Both booked

New list
- order jumper - Done actually ordered 3 plus 2 tops and a pair of jeans....oops
- xmas shopping, pick up/order a couple more prezzies 3 more bought
- dog food, must buy dog food!!

sugarcube84

Well hubby has heard from job nr 1 regarding his pay rise ....3.5% not great and less than he expected, the really annoying thing is that when he covers in the training department some of the people he is supervising get paid more than him. All very complicated due to a change in pay scales and dependent on relevant experience coming into the company but overall not very fair that someone who is deemed capable of training gets paid less than those they are training.


Anyway I'm hoping they have a big plan because he has been invited onto a pilot career development course and today he has been excused from his normal duties to attend a training course for the training department, he was specifically requested by the training boss.. it's not even his department!!...so I'm hoping that they are looking for him to move into training full time which would be more of a pay rise (different job title/pay scale)


Thanks again MSE I got £10 off feelunique so I got my favourite mascara for £15 and it was free because I had vouchers from when they had run out of a free gift I had ordered.


Finally got my £40 off the insurance company!!


To do list update


-chase cheque from insurance company Received

-revise, revise, revise for my exam at the end of the month
- workout at least 5 days a week 2 down 3 to go for this week
- buy soft toy/dressing up storage bag for ds bedroom as he bust his last one hiding in it. Preferably in blue to match how I'm going to decorate his room next year and preferably on amaz0n so I can use vouchers!! -Ordered, will sort his bedroom out when he is on his sleepover a week on Saturday.
- book house viewings Both booked
- order jumper - Done actually ordered 3 plus 2 tops and a pair of jeans....oops
- xmas shopping, pick up/order a couple more prezzies 3 more bought
- dog food, must buy dog food!!- cheated and asked hubby to do it


New List
- get hubby to ring up and close credit card as it has a balance of +£104 which I want back!!
- pay 2p (yes you read that right) to mortgage company as my payment was 2p short last month, the letter they wrote to tell me cost more than that!! done
-food shop including dog food dh picking up dog food, I'm going to pop to the posh supermarket and buy a nice cake for hubby to celebrate his pay rise and pick up some veg for tea
- cancel chocolate subscription unless any cheap offers.done

sugarcube84

We had a lovely little celebration meal last night to celebrate dh pay rise, finished off with a gorgeous banoffee pie.


We are all feeling much better so I anticipate a busy weekend!! I've ordered a few bits and bobs for the living room so I need to go and collect them, plus collect my 2 tops from another shop, swimming for ds in the morning, house viewings in the afternoon, dh is going to finish off the driveway (weather dependant) I need to bottom the house, it's relatively tidy but it needs a good hoover/mop and I'm going to steam clean the couch and maybe the bedroom carpet.


phew tired just looking at that lot, so new to do list


To do list update

-revise, revise, revise for my exam at the end of the month
- workout at least 5 days a week 2 down 3 to go for this week
- tidy/clear out ds bedroom and fill new toy tidy
- dog food, must buy dog food!!- bought
- get hubby to ring up and close credit card as it has a balance of +£104 which I want back!!

New list
- pick up parcel from clothes shop
- pick up parcel for front room
- food shop
- house clean/tidy
- make soup using butternut squash that's been in the fridge about 3 weeks
- steam clean couch
- steam clean bedroom carpet
- finish driveway