its hidden under the mattress....

happy_but_skint

My secret millions that is!!

Now for reality

I am 29 married with 3 children we have just shy of £30, 000 worth of debt and we need to save £2,000 to move at some point in the next 12 months :eek:

My husband earns a reasonable wage and I am on extended Mat leave as childcare for 3 children will cost more than I earn. I have asked my employers if I can retain my contract but find weekend or evening work until I am able to return, im hoping for an answer by the end of the month. In the mean time we have a few plans but any ideas greatfully received

1. reclaim credit card charges
2. reclaim PPI
3. ebay ebay ebay (Zzzzzzzzzzzz)
4. carboot
5. paper round

We have loads of rubbish and have no choice in the move but to down size as the rent will be higher due to location, however we have just taken DS out from his new secondary school as its terrible and he was getting a badly bullied by the older children (he is small and very gentle) so move is to keep him in a decent school with a good education.

Thanks for reading, i'm off to double check under the mattress.. you never know!:rotfl:

happy_but_skint

Grrrrr just wrote what my plan to debt bust today was and its dissapeared :mad:

So here we go again.....

Today DS and I will be sorting out for carboot and fleabay, we will also go to his school to get PE equipment from his locker once new school confirmed we can sell its only a week old.

I would like to make £50 but dont think we have enough stuff will have a good turn out though.

I wrote letters last night to reclaim credit card charges from barclays and natwest even if I get £50 back that will be £50 less owed..just need to earn some money to buy stamps now:D

happy_but_skint

Slight set back just noticed 2 of my tyres need replacing as soon as possible also the oil light came, on will phone around for quotes and add to credit card :mad: I will add the total on the £2000 savings total to be prioritised.

We really need an emergancy fund

still not sorted out any items as looking at other diarys

happy_but_skint

Sorted a number of items for carboot, placed one ad in the paper, a few ideas for ebay. Why is it when you sort toys which the children havent touched for ages all of a sudden they want to play with them!

The weather is due to be bad tomorrow so the carboot may have to wait but I will load some of it on to ebay first.

Off to have a nose around some diarys

Decluttering

Happy new diary Some days you're just not meant to get anything done but it doesn't mean tomorrow has to be the same! You can do this, even if you don't get everything done in one day every little helps!

happy_but_skint

Thank you decluttering

It rained hard here this morning so no carboot but have got things ready for ebay and some computer games to trade in for cash so that will all help. I have been looking at someone elses thread and we may not need to save as much as we thought it depends if our letting agent will take our deposit as the last months rent, we will just have to give them enough notice to inspect we will also ask if they have any properties to rent in the area we are looking at as they could transfer us... will speak to them next week.

Tomorrow we must clean the house I would be so embarrassed if anyone turned up, my 2 year old is a bit like the tazmanian devil at the moment.

Aiming_High

Well done on your start. Get listing on flee bay, the bids rolling in does wonders for the motivation.

GemmaB1

Hi there,
I know exactly how you you feel am maried 2 kids my mat leave is due to end in Nov but there is no way we can afford to pay childcare for little Mr and after school clubs for little Miss, as my shifts were during the day, I have been trawling the place for a night job or back shift but cam't seem to get anywhere!

Did you find your millions in the couch??

Good luck and maybe this time next year all our kids will be in some sort of childcare and we might even get to have a cup of tea bfore 11am

xx Gem

happy_but_skint

Hi aiming high & Gem

I find ebay so boring but I promise I will start listing soon and I am still searching for my lost millions!

well not been feeling great today, I also didnt sllep well last night I was worrying about money.

We have however advertised 5 items in various freeads and will be taking some computer bits in town to trade in tomorrow, I checked their selling value on ebay and looks like they are worth more trading in. We also took one car full of old broken toys to the tip and no doubt will do the same 2/3 times more.

happy_but_skint

Sold 3 computer games only got £8 but better than nothing it also covered the deficit of a charge coming out of my bank so no charge for going over next month :j

Spent last £2 on milk today so thats it now no money left till OHs wages go in on Thursday will then be doing some shopping, will get as many vouchers as possible first to maximise our money.

happy_but_skint

Woohoo we have nearly made it to payday :j

OH gets paid tomorrow and we have 88p left on the electric meter and 50p on the gas :eek: the food situation aint great either, its amazing how you survive when you need to

Housework sort of done can't do any washing or meters will go, we do have emergency credit but if we dont use it in april we will get £100 vouchers.

Will get the children out the back and clean the garden today and sort at least 3 bags for the tip at the weekend, will also find more stuff to sell.