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No Money - but BIG ambitions

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  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    There were days when I felt hyper organised and on the ball and others when I found it hard to get us all dressed by lunchtime.

    Lunchtime????? I thought I was doing well to get dressed by Thursday :rotfl:
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • Weronika
    Weronika Posts: 260 Forumite
    gallygirl wrote: »
    Lunchtime????? I thought I was doing well to get dressed by Thursday :rotfl:

    I lived in my 'lounge wear' (read PJs:p) the first 3 months last time:rotfl:
    Debt: [STRIKE]-£77.299 74,209[/STRIKE]-£72,860 Projected MF date(age):[STRIKE]2044(63)[/STRIKE] 2029(48)
    Credit Card 0%: -£1,800 Reg Saver: £4000/£6000 ISA: £0/£2500

    From March 2012: Mortgage OP: £160 pcm
    (saving 29k):D
    Apr 2013 Goal: reduce balance to £72,000 to get 60%LTV & better deal
  • newgirly
    newgirly Posts: 9,348 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Hi weronika, my midwife suggested no point in getting dressed to take dd to nursery when the twins were tiny just pop a coat on! Way too embarrassed to do that, but if not going out why get dressed :D
    MFW 67 - Finally mortgage free! 💙😁
  • Weronika
    Weronika Posts: 260 Forumite
    I waste a lot of money on food, figuratively and literally, sadly. One, is not me doing the shopping so we get some ridiculous things like overpriced fish fingers that nobody actually likes to eat in my house or 1 item from BOGOF promo:eek: and I still cannot bend (although the big beach ball called my belly is gone) so things are getting all moldy at the bottom shelves of the fridge:( also I got problems with appetite so I would cook things and couldn't make myself eat them...

    But because all of you keep putting me to shame with all this meal planning and money saving and overall effectiveness I'll start:
    1. grocery challenge in May. (includes more ebaying, now I sold first item) :p
    2. healthy diet and exercising in June
    3. July - too far in the future and I'll probably be exhausted from previous months :rotfl:
    Debt: [STRIKE]-£77.299 74,209[/STRIKE]-£72,860 Projected MF date(age):[STRIKE]2044(63)[/STRIKE] 2029(48)
    Credit Card 0%: -£1,800 Reg Saver: £4000/£6000 ISA: £0/£2500

    From March 2012: Mortgage OP: £160 pcm
    (saving 29k):D
    Apr 2013 Goal: reduce balance to £72,000 to get 60%LTV & better deal
  • greent
    greent Posts: 10,782 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Ah, Weronika, you're doing great! I have just over 2 years between my eldest 2 and then a gap of almost 6 years before no 3 - and just over 3 years between 3 & 4. DS3 is 3 next month - and I only stopped feeding him a handful of weeks ago.....! I loved being pregnant and feeding - such a special, wonderful time! I'd have more if I could :D:D

    Hope your invoices finally get paid - grrr!
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    Net sales 2024: £20
  • Weronika
    Weronika Posts: 260 Forumite
    Hi greent,
    they actually did pay the big invoice:) Only the tiny little one outstanding,but I know why it wasn't paid now and I'm ok to wait.

    I was feeding my firstborn till he was 18 months, and I enjoyed it too (not at the beginning ;))
    Ladybird is feeding great from beginning, no problems there, apart from me being bit sore.

    Money wise I went to morrison today and spend £30 I'm not even sure on what...nappies, youghurts, little stuff all add up.
    But I'm determined to start the grocery challenge in May, I aim to stay on track with £100 per week. See how that goes....

    and to gather funds to open ISA
    ...
    oh , and must remember to find £500 for regular saver on the 1st of May

    --- rob the bank maybe? :D
    Debt: [STRIKE]-£77.299 74,209[/STRIKE]-£72,860 Projected MF date(age):[STRIKE]2044(63)[/STRIKE] 2029(48)
    Credit Card 0%: -£1,800 Reg Saver: £4000/£6000 ISA: £0/£2500

    From March 2012: Mortgage OP: £160 pcm
    (saving 29k):D
    Apr 2013 Goal: reduce balance to £72,000 to get 60%LTV & better deal
  • Weronika
    Weronika Posts: 260 Forumite
    Can I just say 2 words? SLEEP DEPRIVATION:cool:

    We went to hospital this afternoon, which means that once again I didn't manage to catch up on sleep. You know this advice they give new mums about resting when your newborn naps? So what I'm supposed to do to my Monkey than???

    Ladybird is a champ, healthy and growing. My Monkey loves her, hugs and kisses all the time, he will even run to fetch me straight away if she's crying and I'm in the kitchen or something.OH is fantastic, he works 12hr days and still comes home at lunchtime to cook something for me, do shopping or take Monkey to the park - some days all of it:T
    It's only me,miserable, sleep deprived, exhausted anyway:cool:

    Moneywise, I got my MA,CTC,CB all sorted, should come first Friday of May so I will have money for Reg Saver and whats leftover will be used for food - did I mentioned going on the diet?:D
    Debt: [STRIKE]-£77.299 74,209[/STRIKE]-£72,860 Projected MF date(age):[STRIKE]2044(63)[/STRIKE] 2029(48)
    Credit Card 0%: -£1,800 Reg Saver: £4000/£6000 ISA: £0/£2500

    From March 2012: Mortgage OP: £160 pcm
    (saving 29k):D
    Apr 2013 Goal: reduce balance to £72,000 to get 60%LTV & better deal
  • TwinnyD
    TwinnyD Posts: 238 Forumite
    Mortgage-free Glee!
    Sleep deprivation is just the worst thing, hope you get a chance to catch up soon.
    Great that you've got all the money bits sorted, so hard to find time to get anything done when they're tiny.
  • poorbutrich
    poorbutrich Posts: 1,349 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    HI Weronika
    Sorry to hear about the sleep deprivation. Your DH sounds wonderful though and remember, although it doesn't feel like it, this sleeplessness stage WILL pass!
    Take care x
    Overpay!
  • Weronika
    Weronika Posts: 260 Forumite
    Just a quick update, today my SO for £500 reached reg saver account, so I got no choice but be frugal for the rest of the month:D

    Luckily, my son loves crepes:j
    let me think... milk, 2eggs, flour, jam - that makes breakfast and supper for both of us for about a £1:money:
    and I can alternate the fillings:jam, nutella, quark with sugar, apples - and he will think it's a different meal everytime:p

    so, from today I'm on diet (73kg, target next week: 72kg, next month 70kg) and on less than £100 p/w grocery challenge.

    Want to bet which one I will fail more miserably taking into account my energy levels at the moment?:rotfl:
    Debt: [STRIKE]-£77.299 74,209[/STRIKE]-£72,860 Projected MF date(age):[STRIKE]2044(63)[/STRIKE] 2029(48)
    Credit Card 0%: -£1,800 Reg Saver: £4000/£6000 ISA: £0/£2500

    From March 2012: Mortgage OP: £160 pcm
    (saving 29k):D
    Apr 2013 Goal: reduce balance to £72,000 to get 60%LTV & better deal
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