Time to 'grow up' - the slippery slope to 30.

immoral_angeluk

HMPH I say... HMPH! I've had all my bills in now bar my sky, and because of the extra bills and higher than expected nursery/holiday club fees, I'll only have about £12 leftover this month. NUTS! Damn you car tax, driving licence and the dentist! Oh well.

I'm actually expecting a call from sky about cutting out the HD pack (which has taken at least a week or two for them to even respond to my email... *grumble*) so will at least be able to cut those bills down in the near future. I tell you what, it's a good job it's a 'free' council tax month or else I'd have to be putting money from my weekly budgets into the bills budgets and I would NOT be a happy bunny.

This month is the start of my saving towards the holiday spending money too, which is why I don't have as much spare as I normally would, but least it'll be running alongside paying off the card.

That and I'm still going to be able to pay off around £97 this week off the card, plus the £18 from Cex, plus £12 or so from my wages on tuesday. It all helps! Will update again once I can actually get on to my sky account to check the bill!

immoral_angeluk

Just putting this on this page so I can update it and cross things off
[STRIKE]

Washing up/clean kitchen [/STRIKE]
[STRIKE]Tidy up [/STRIKE]
Home reading books
[STRIKE]Tidy car [/STRIKE]
[STRIKE]Update spending diary [/STRIKE] Nothing spent today
Sort out Loft (if able) - might leave til weekend...
Look at house ins
Street practice - not doing as muscles took quite a beating at street last night so having a rest day...

It wasn't on my list but I've also submitted my online fuel meter readings, although I'm not due a bill yet. I like to make sure they're up to date!

immoral_angeluk

In my bid to get things done tonight I've reorganised and decluttered my filing system in addition to the jobs I've noted above. When doing so I've realised that my girls' Child trust fund accounts are doing quite badly. I know part of that will be the recession, but my eldests is a massive amount bigger (because of more contributions after my mum died before my youngest was born) which isn't very fair. They're also gaining very little (the one has actually lost value!).

I've read that you can switch them, so I might have a look and see what Martin recommends and look at trying to get them into a better deal if I can. Also once the debt is paid off I'm going to need to bump up my youngests' CTF to get them up to the same level. My dad has also set up investments for them, but they're both the same amount and growing at around the same amount so want the same for their CTFs!

It's also given me an excuse to add a spreadsheet to my already fast expanding range of spreadsheets to track their investments


God I'm such a nerd.

immoral_angeluk

Right, I have looked at my home insurance and there's no point me switching until renewal, as they're going to charge me a £40 cancellation fee which is only £20 less than the actual cost of the insurance :eek: What a rip off!
Oh well. Least I've checked!

Off to mooch at the CTFs..

immoral_angeluk

Morning all.
The CeX money went in today, so I've paid another £18 off the credit card. Hurrah! Sig updated.
Won't be able to do my food shopping tonight as not enough in the bank until tomorrow, so will have to work out my budgets after shopping tomorrow to see exactly what I can pay off the card this week. I've already started my shopping list and meal plan

Here's my to do list for the day..

Washing up/clean kitchen
Tidy up
Home reading books
Take toys to charity shop
Loft if able
Update spending diary
[STRIKE]Update budgets [/STRIKE]
Clean bathroom
Street practice
Pack amazon box - get a free newspaper today so will actually be able to pack the box properly ready for sending tomorrow!

immoral_angeluk

Had a really, REALLY naff night/day and not expecting tomorrow to be much better as it's my mum's birthday (she died in 2005), so my to do list is being written off. Tonight we're going out for dinner instead just to unwind from the day and try and relax.
The only thing I plan to do is to pack the amazon books tonight and send them tomorrow.

Oh, in other news, my holiday club bill is less than I though, and I've finally managed to get on to my sky bill. Have worked out my monthly budgets and will have £26 spare, which I'll pay off the credit card. Next week though is my youngest's birthday so debt busting will be on hold for a week after Tuesday until the week after.

Will update properly when I'm not feeling so naff.

beanielou

Keep plodding xx

fallenwiccan

Hi IA

Not sure if you remember me but I used to follow your diary a few years ago!
I finished working went and finished my degree (a 2:2 in Chemistry) and I'm now working and back on MSE as I'm looking to buy a house :eek: I'm here looking for hints and tips to get rid of my Student Overdraft as quickly as possibly (£1500 eek!) thankfully the CC is paid off in full, seeing that nice £0 has a good feel.

Just wanted to say hello, was nice to see a familiar name :A

immoral_angeluk

fallenwiccan wrote: »

Hi IA

Not sure if you remember me but I used to follow your diary a few years ago!
I finished working went and finished my degree (a 2:2 in Chemistry) and I'm now working and back on MSE as I'm looking to buy a house :eek: I'm here looking for hints and tips to get rid of my Student Overdraft as quickly as possibly (£1500 eek!) thankfully the CC is paid off in full, seeing that nice £0 has a good feel.

Just wanted to say hello, was nice to see a familiar name :A

Course I remember you, it's lovely to see you again and well done for getting your degree. Good luck with paying off your overdraft!

immoral_angeluk

Small update on tonight's spends. Pizza hut for me, DP and girls, £33.30 (used a kids eat free voucher we got online..). We took a detour to halfords and put £25 (remainder of birthday money from grandad..) deposit down on a bike my youngest picked for her birthday present, complete with little horn and a basket. £50 left to pay on it and picking it up on her birthday at the end of the month.
Have packed the amazon box with the help of DP. Just need to get some more tape and send it tomorrow.