** Wish I was a money fairy **

Housework*Fairy

Just a credit card post as I haven't actually put the single totals anywhere...

Natwest (mine)
Feb statement total: £4090.09
Mar statement total: £4046.34
Reduction of: £43.75

Halifax card (husbands)
Feb statement total: £2962.17
Mar statement total: £2957.08
Reduction of: £5.09

Catalogue
Feb statement: £625.89
March statement: £597.05
Reduction of: £28.84

Tesco CC
Feb statement: £2351.86
March statement: £2338.86
Reduction of: £13
(balance will be £1040+ less as there was a balance transferred yesterday)

HSBC CC
Feb statement: £1715.69
March statement: £1676.28
Reduction of: £39.41
(balance on this is currently 80p having been balance transferred)

Natwest (husbands)
Feb Statement: £1490.44
March statement: £2097.87
Increase of: £607.43 (this was the car insurance pre-lightbulb)

Halifax credit card (mine)
Feb statement: £3192.44
March Statement: £3186.32
decrease of: £6.12

Nationwide credit card (mine)
Haven't received a statement yet

Housework*Fairy

Keeping_Motivated wrote: »

Thanks for giving me the name of the App. I have just downloaded it, I will try and have a look at it tonight and get started..hopefully its simple enough for a numpty

Good news on OH being paid early so you can get organised moneywise.

there probably are other functions on it, but I'm just using it as a spending app. Its dead easy just to bang in the numbers and pick a category. I did try and track it on the notepad but it takes too long (a fast texter I am not)

mooomin

Housework*Fairy wrote: »

However DH has ran out of money as he had to pay into a collection at work (£3) which he doesn't think he should have to pay out of his weekly money!!!

Yes. Yes he does.

Muppet.

(Him not you. Obviously!)

Housework*Fairy

More DH woes, the bloody muppet

He runs a kid's football team and collects the subs each week which he should then hand in the following week. Unbeknown to me he has been 'borrowing' from the subs money, then 'paying it back' the following week from his unmonitored visits to the cash machine. Anyway as I have now put a stop to his unlimited visits to the cash machine, he has had to come clean today that he not only now owes one weeks subs money but two (around £40)! I was furious enough then, however I bit my tongue, kept quiet and gave him the cash card to go get £40 to repay the subs. I've just gone to drop off DS2 at football and DH casually asked me for a fiver to make it up to £40. I'm saying "Erh, you went to the cash machine for £40 and now you're wanting a fiver to make it up to £40" and he confessed he had spent £3 today. I asked him if he was taking the !!!! or what, and his reply? "Oh shut up and he stormed off".

I feel really angry and he just doesn't understand or care. I just have this impotent rage bubbling away inside of me and don't know what to do with it. I don't want to argue or have bad feeling but I don't know how to handle it. Now I know he has no money left, and he has my bank card so I dare say he will have gone to the cash machine on the way home or he will just spend today's subs money.:(:(:(:(

PiggyBankShaker

Dear Fairy,

I have just read your diary and I really feel for you. It does not sound like your DH is taking the debt busting seriously, which is such a shame. If you pulled together it would feel less of a chore for both of you and you'd be more successful to, spurring each other on.

It's alarming that he has been 'borrowing' the football subs money, and I think it points to more serious underlying issues about they way he thinks about and treats money.

Sorry to make my first post in your diary so negative.

I do think that you have been making great progress. Have you thought about upping you income by selling stuff on ebay? It is easy and always surprising what people will buy.

Keep motivated, you're doing really well

PBS

Housework*Fairy

Well he took himself off to bed when he got in from football practice.

I don't like to say no to him, so have always made sure he has money for his bottle of wine, and packet of fags at the end of the day, plus money for going to the supermarket for lunch. This works out at around £10 per day which then leaves me no money to put aside for stuff like car insurance. I knew that he was setting himself up to fail when he said he could manage on £25 a week.

I know he is acting like a spoilt brat, and I really wish he would take over the finances and give me £100 spending money every month but no, he doesn't like that idea, because he wouldn't be able to give me a hard time then when the money ran out. If he stuck to his spends, we would never argue but he knows I am trying to save up for our holiday as I want to put as little as possible on the cards.

I was gutted this morning when I checked my internet banking and saw that the footy season ticket I thought I had paid the last of last month, has had the final payment taken today which I haven't budgeted for, so that is £56 that I didn't budget for * big sigh *

Housework*Fairy

PiggyBankShaker wrote: »

Dear Fairy,

I have just read your diary and I really feel for you. It does not sound like your DH is taking the debt busting seriously, which is such a shame He does understand the need for it but he doesn't seem willing to sacrifice anything himself. If you pulled together it would feel less of a chore for both of you and you'd be more successful to, spurring each other on.

It's alarming that he has been 'borrowing' the football subs money, and I think it points to more serious underlying issues about they way he thinks about and treats money.

Sorry to make my first post in your diary so negative.

I do think that you have been making great progress. Have you thought about upping you income by selling stuff on ebay? It is easy and always surprising what people will buy.

Keep motivated, you're doing really well

PBS

I don't consider that e-bay would be much help to me at this moment in time. I have nothing of any decent value to sell and the pennies I would end up with after FVF and postage would really be no help at all. I did e-bay years ago and did make some good money from it but I don't have the time or the inclination to do it now, I'm afraid.

I can make an extra income by taking on some private typing work, but I'm usually 4th in the pecking order when it comes to being offered this. That reminds me, I actually have to put in an invoice for £20 for some I did at the beginning of the month.

I also am signed up to three mystery shopping companies but I have to complete some orientation work before I can take on shops, and I failed it first time around (which took me ages to do) and I think you can only fail it twice so I'm a bit panicky about taking it again in case I fail again...

mooomin

How does your money work at the moment? Do both wages go into a joint account? Can you work out a proportion system?

EG:

Joint income £1500 (no idea what it is, this just for argument)
Bills £1000 (everything included, such as saving for insurances, Christmas, birthdays)
Food £300
Leftover £200

Split the leftover equally between the two of you. He then only has that money for the month. Or you give him a little more to stop him [strike]behaving like a pathetic spoiled child[/strike] moaning

Housework*Fairy

flying_fresian wrote: »

How does your money work at the moment? Do both wages go into a joint account? Can you work out a proportion system?

EG:

Joint income £1500 (no idea what it is, this just for argument)
Bills £1000 (everything included, such as saving for insurances, Christmas, birthdays)
Food £300
Leftover £200

Split the leftover equally between the two of you. He then only has that money for the month. Or you give him a little more to stop him [strike]behaving like a pathetic spoiled child[/strike] moaning

I will definitely look into that. He's a bit happier today and has apologised for being an @rse which makes me a bit happier.

Housework*Fairy

I had to send £52 over to the bills account yesterday to cover the standing order for the unexpected season ticket payment. This would have been part of this month's snowball so I haven't been able to start paying extra off the debts this month after all.

Secondly I still owe my paper bill which is probably around £100 I wish he wouldn't allow me to get so behind!). So I have withdrawn £60 cash and put it in a jar (just in case we need it) and then I'll give it to the newsagent at the end of the month.

WEEKLY SPEND DIARY POST

(eeek - another spendy week)

£82.50 - petrol (we weren't panic buying whilst eating pasties honest; DH had to fill up a tenner for an unexpected work journey, and then a full tank through the week)
£67.69 - DH. This was his £25 "pocket money", a bottle of wine I bought him, and then the £40 to replace the "borrowed" subs.
£67.48 - groceries. This is a full Tesco online shop which came in at £50.26, and then a visit to Home Bargains to spend on 'treats' which cost too much at Tesco.
£60.00 - put in a coffee jar towards the newspapers bill
£52.00 - to cover cost of season ticket
£48.01 - towards the holiday (this is from a DH mileage cheque for £30.01 and then £18 from DS1 being on holiday so not having to pay any of his activities)
£34.67 - personal spends: (£4.00 lotto, £4.00 lunch, £11 hair, and £5.30 when I went out with my mum, 0.72 on stamps, 0.69 on an iphone app, bottle of blue WKD, £1.00 on parking, £3.70 on food/drink at athletics and £2.67 entered into spending diary yesterday but I simply cannot account for but it is right as I instantly enter spends on the iphone now),
£11.00 - DS1 spends (this was to pay for an athletics competition and £1 on sweets while we were there).
£12.50 - DS2 spends (£1 for charity at school, £9 on subs for footy as not paid for three weeks and £2.50 for footy at school)

Feel a bit guilty now for ranting at DH for spending more than £25 this week seeing how I spent nearly a tenner more....

My hair did need doing desperately though. I went to college and had it done there. It would have been £16 but I got given a £10 voucher, which my friend's daughter gave me, so as I was expecting to pay £16, I paid £6 and then I gave my friend's daughter (who did my hair) a fiver tip. I will be doing my own hair in future anyway as it needs doing every 3 weeks although I noticed the dye I normally use in Home Bargains has gone up from £3.50 to £4.20.

Also, not sure if I have mentioned this, but DS1 came back from his school trip on Friday night with 135e. I asked my mum if she would like them back (my dad had given him 50e out of his emergency stash (his family live in Ireland) and although my mum said yes, my dad told me to keep them for our own holiday).

***EDIT*** just remembered, the £2.67 was for two e-books from Amazon