Mum2one - next chapter - baby steps make big strides

mum2one

one small step, but its a start, baking xmas cakes 2mor! xx

taxi73

love the smell of christmas cake baking

mum2one

Christmas cakes baked - got 4 out of the mix, 2 for us, 2 for gifts, going to do another batch for presents,

Been and got some mincemeat 2day, there ready to get going, half term activity!!

My new ious total, see how the end of the month looks!
chq book - £100
dad visa 1 -200
Visa 175
car- 290
mum - 95 (pd £50 12th Oct) 45

mum2one

Been quite a good week, took mum to see Colin fry (medium) he was brilliant, he gave mum a message, from her parents, and part joking and part serious but meant a lot to mum.

Not much financially, seems weird having some money, being really frugal, took DD to the pictures, made sure we went before 5pm, took own popcorn and drink in, and had a bogof offer. Still nearly £10 for me, 3D film. There was inly 2 of us in the screen.

Not much for weekend, - town tomorrow, sort some money out, get DD Halloween costume, then the week after write an OU assisgnment, - a course where my heart isn't in it.

Feels so weird, chat to an ex on facebook, we spilt up 15yrs ago, and we keep coming back into each other lives, but it was never right time, then I had DD, and he even offered to bring her up as his own, couldn't do that, and I thought his lordship was a nice guy! Hey ho, life dishes different sets of cards, yet 2ngt, I feel like what if, just being sentimental old sod... xx

mum2one

Another month bites the bullet, seems to have flown past, - at least my DMP set up and 1st set of payments made, all going ok with new bank account, - thou looking on the skint side, left with £1.50 - its a positive!

Car ins is due start of Dec, so that be try to sort that out next month and get back on the OU course work took 2 weeks out to get sorted. DD ok, shes up and down, been exicted coz of Halloween and been out trick + treating and came with a bog bag of sweets. See what delights November brings us, xx

taxi73

all sounding positive

mum2one

DMP payment 2 gone out.

Managed quite a cheap week considering it was half term, we had couple of days out, and dad took DD to Bonfire and fireworks display and he paid!! Good as I am potless till Monday!!

Got next set of DDs tap lessons £36 - been accounted for, but £20 for her tap shoes (not planned!!), but once got there last for a while and I haven't had to buy her a "uniform", so swings and roundabouts.

On odd hours again, just been sorting out stuff for the PTA at school, - got Halloween disco this week, and I've been getting the food and odds and sods ready for xmas fete, I hate having someone elses money, everytime I've brought something I've tripled checked money, just been keeping a copy on computer.
Hit Bookers 2mor to see if I can get card if not go to Iceland!

Bargain hunting today - found set of brand new boxed and sealed crime books, pack of 8 books £2 so thats another xmas prezzie done.

All got left to get is bottled beer for friends hubby and a prezzie for her off mum and dad, then all friends and family are done. That just leaves, mum, dad and DD to get, - no idea at the mo - get them sorted December, mum and dad are buying DD a tablet. xx

mum2one

At last 2 payments down, and all my creditors are finally on board, - think there all on different sets of time limits, and 9/10 have stopped all interest the last in reduced interest.

Slowly getting there with budgeting better, at least getting wack of xmas prezzies in the sale has helped.

Car Ins next big expensive, my renewal gone up £20 on last yr, - but still have a little shop around..... did start and one company quoted me double!!

A little help for dad 2day we had a stinking row with his bank - could he ring them back very urgent, he has a panic that the account been hacked or something like that - no they want to offer him a financial review and sell him products, - but the best the "Advisor" came out with - unless you have a review done with us we won't issue your new credit card - he's credit rating is gd and although he has a balance he's paying it off.......... so rang the CC section and they laughed theyve never heard such dribble. So offical complaint in, as he's asked not to be contacted for and when they say very urgent u think the worse, so they offered £50 as a sweetner to apologise............ but DD was here at that point and pointed out should go 4 ways... get £12.50, going to treat myself to a CD.

Open Uni going ok finally got off my rear and started 1st assisgnment submitted, and got 75, really pleased, was 3 weeks behind now only 2 weeks, catch up.

Bar that plodding along, not enjoyin the cold weather - or the thought got to write xmas cards and wrap prezzies.

Just got mum, dad and DD to get now.

Plan
Dad- Got bottle whisky - (have smellies, liquorise allsorts)
Mum - (Knickers and nightie)
DD - (Kindle and few odds and sods) xx

taxi73

sounding very organised as usual and bah to the bank ..they never think things through putting people in panic mode is out of order

mum2one

Another month bites the bullet, think Nov was a bit hit and miss, got through it.

Another payment to DMP no3 gone.

Car ins paid, changed companies and saved £45 so all helps

OU - About a week behind, but nice having just one course so working out ok and enjoying it.
xx