its hidden under the mattress....

Squidge123

I've been reading your diary with interest. I'm gonna subscribe to follow more.

happy_but_skint

Hi Squidge, thank you for your support

Well NSD again today, I have returned an item on the catalouge which will credit the account £199 so will count that as a payment to the account.

OH had a day off today so we sorted out the back garden and bagged everything that needs to go to the tip (2 estate cars worth :eek:)

Other money saving I have cancelled love film saving £10.99 a month and also phoned experian to cancel that.. not done as they gave me a few things to do to improve my rating online so will cancel next month.

Tomorrow I will send off disassociation forms and update my address with creditors and change everything to married name, send off credit card charges form and get some gas, electric and some food shopping will allow £60 for 10 days worth.

BEAT_THE_DEBT

well done you are doing so well x

Squidge123

You're doing so well with all your plans and putting everything into action!

happy_but_skint

Thank you squidge/BTD im hoping by chucking the rubbish things will jump out saying sell me!

OHs payday today so he got gas and electric this morning and we are getting some food in tonight.

As for today I will be stuck in catching up with washing and waiting for sewing machine to be collected, I will also try and sort out more bags of rubbish from under the stairs.

happy_but_skint

YEAY £11 cheque came in the post from tax office OH had overpaid last year, love unexpected money... well any money really!

Now which bill will that go towards ummmmmmm

debtfreewannabe321

hi happy but skint

Have you posted a SOA anywhere on here yet, i did when i first joined and got a few good pointers on where to save money -mainly my grocery spending :eek: i'm shocked at what i used to spend compared to now and we're not exactly starving

I also try to keep up with my daily spend diary and do the nsd challenge on here, keeps me motivated (most days ) to not spend

I wish you luck and will subscribe to see how you're doing

dfw xx

happy_but_skint

Hi DFW:wave::wave::wave:

Thank you I was thinking about doing it but after looking at everyone elses SOA and the comments I concluded we only have £20 unnecessary spend every month that is sky, I have cancelled everything else.

we spend a max of:
£200 shopping for 5 of us (normally under)
£60 nappies and baby milk (make own dinner/tea)
£20 petrol as use OHs company car as much as possible (will increase as will need to travel to take son school)
no mobile bills as OH can use his work one for personal
OH&DS get a hair cut every 8 weeks I trim DD1 mine is mess
We are lucky to live by the sea lots of free walks and the kids love the woods lol

Clothes mine get handed down from Aunt/sister, dd1 from freecycle (did buy about £20's worth all items £1 and under) dd2 from dd1, my bil looked after ds for a week and he came with a new wordrobe lol OH got a clothing allowance from work...

Everything else is utilities which we always check comparisons and high debt repayments.

We are renting a large 5 bed cheaply but we are saving to move into a cosy 3/4 bed near to DS school hopefully the rent will be simular to now but utilitys less also petrol saved.

debtfreewannabe321

wow you sound far more organised then i was when i started on this journey i was all over the place

well i will be following you with interest and will provide motivation and maybe help as much as i can lol

xx

happy_but_skint

Thank you DFW I really appreciate the support and I will need a firm kick up the rear now and then!

Shopping tonight so off to find some vouchers (and maybe some DTD toys for christmas)