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Living for the Present...after all who doesn't love a gift!
Comments
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Totally agree re tax credits - we were overpaid and earnt slightly more than expected but not that much. I renewed the other week and got 2 payments this week? Not sure how - surely i am now overpaid even more - makes no sense!
Not sure what to suggest re your DS jumping fences - heavy shoes lol. Definately think if chocolate is what you need and it will cheer you up, you should raid change pot - either that or have a hot chocolate and see if that worksMe, DD1 19, DS 17, DD2 14, Debt Free 04/18, Single Mum since 11/19
Debt £2547.60 / £2547.600 -
I'm actually thinking re: DS climbing escapades - couldn't you audition him for BGT? A dog won it this year:rotfl::rotfl::rotfl:.LBM 30/6/9 Unsecured debts [STRIKE]£25,323.48[/STRIKE] £0 :T Debt free
Left for life Down Under 4th August 2012 - living frugally and have learned my lessons :j:j:j:j0 -
Hope you are all well - looks like you have been busy looking at facebook
take care
Me, DD1 19, DS 17, DD2 14, Debt Free 04/18, Single Mum since 11/19
Debt £2547.60 / £2547.600 -
Hope you are all well - looks like you have been busy looking at facebook
take care
Busy is one word for it. Absolute nightmare is another 2 words....!
So yesterday, 10 mins before nursery run time dd decided to stick a plastic thing up her nose. SO 9 hours after we first got to the hospital i ended up in theatre with her ...i had to hold her whilst they put her to sleep and it was awful. Luckily she was only under less than half hour but it was truly one of the worst things i've had to witness with the kidswe got home after 10pm last night and have both been exhausted all day. Thankfully she has no other signs of trauma from it though :rotfl: :T
SO today i have £1.10 in the bank (i've no idea where the £1 came from but i won't moan!)
I tried to order from asda for tomorrows delivery as i had a free delivery code. What the email did not tell me was that it was for an order of £50+. I don't have £50 plus, so i've worked out it will be cheaper to put £10 in petrol tank (again :mad::mad::mad:) and then go to aldi for a small top up shop. What i had in the basket with asda wasn't very much anyway and it came to £30! :eek: so would rather just go to aldi! So all being well Monday morning i will go shopping after dropping dd off at nursery!
Today i walked into town as needed to bring library books back, got the kids a few new ones. Bought some butter for cakes (55p) and spent £1 on dog treats & another £1 on treats for kids. so low spend day today. Have had lots of NSD's lately but haven't kept count! At a quick count up it has been over 10 this month so will add 10 to sig for end of month.
Next month we have ds1's big day at school to budget for, car service, car insurance renewal, pet insurance, and i want to put £40-50 away for school uniforms (mainly shoes as uniform can be purchased cheaply). Will also hear about tax credits in July i expectand not looking good so far. Thing is it looks like dh has earned loads but most of the 'extra' is from bonuses he was due
so we won't get that this year and so are going to be very short!
The prospective tenant i have seems keen still so i will contact her monday and organise her giving me £250 holding fee (half the rent) then end of july i will receive the rest when she moves in. This will at least bump figures for Most of july to help me out. Just hope she hasn't found anywhere else now whilst i've been a bit side tracked this weekend/week!
DH is also not off with work yet, his dates were changed last minute yesterday so now he goes in 3 weeks time. Thankfully when ds1 is home so hoping i can continue with gym in mean time and when ds1 home also go then if i can get him to look after the kids ok. On the subject of exercise & health, i have lost 5 lb so farbut fear i may put back on some as i was literally starved yesterday whilst at hospital! (had £1 in my purse! )
Anyway dd asking me to colour in something so best go, only so many times i can say 'in a minute dear' :rotfl:MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. Aug-£200.
Total- £1362.23
Goal pay off 1% of current mortgage in 1 year. £1650
EF- first goal £300
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Dear me what a nightmare you have had!! :eek:
Hope DD is ok after her ordeal and well done for the lb loss XxDebts @ LBM £23,729.31. Debts @ 08/04/2016 £0 :j
Best win so far - holiday to Florida0 -
Good afternoon,
well today we decided to visit the beach as the dog has never been before. About 2 miles in to it (and 2 miles from shelter, the car, and the umbrellas safely locked inside it) we got caught in the heavy downpour. ........2 hours later and I am still drying off and feel cold through to my bones :eek: !
We put £10 in the petrol tank today. So have £40 in cash in my purse until payday now, don't really want to spend it all, but we are actually completely out of everything. From bread to milk & butter the poor fridge is looking sorry for itself! Today i need to make a meal plan for the month ahead. Need some cheap meal ideas so will scout the OS boards in a mo
Must also go through spreadsheet as keep putting off- mainly due to the fact i don't want to depress myself any further about our monetary situation at the moment!
Need to catch up on diaries too, this place moves too quick for meMORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. Aug-£200.
Total- £1362.23
Goal pay off 1% of current mortgage in 1 year. £1650
EF- first goal £300
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Meal Planner 4
1. Mini steak burgers (DR ones) & buns, with salad & chips/Jacket
2. Omelette & salad
3. Gammon steaks, eggs, pineapple, salad & jacket potatoes.
4. Mince & onion pie with mash potatoes http://forums.moneysavingexpert.com/showthread.html?p=12602265#post12602265
5. Pasta, sauce & bacon pieces
6. Fillet Steak (DR) with Jacket potatoes & asparagus
7. Bacon roast Chicken with potatoes http://allrecipes.co.uk/recipe/8190/bacon-roast-chicken-with-potatoes.aspx
Meal planner 5
1. Sausage & mash with onion gravy
2. Pave rump steak (DR) with spicy vegetables http://allrecipes.co.uk/recipe/8710/pav--rump-steak-with-spicy-vegetables.aspx
3. Spag bol
4. Chicken curry (sauce), with rice, poppadums & chutney
5. Fish, Chips & Peas
6. Jacket potatoes & salad
7. Pizza, salad & corn on cob
Meal Planner 6
1. Steak burgers (DR) in buns with relish, chips & salad
2. Pot roast with veg & mash
3. Meatballs & spaghetti
4. Fish cakes served with veg & chips http://www.bbcgoodfood.com/recipes/3627/simple-fish-cakes
5. Healthier chicken balti http://www.bbcgoodfood.com/recipes/2220666/healthier-chicken-balti with salad & rice
6. Pizza with chips
7. Jacket potatoes (toppings with whatever is in fridge or cupboards) & salad
Meal Planner 7
1. Pot Roast (DR) with veg & roast potatoes
2. Shepherd's pie & gravy
3. Pasta with sauce & salad
4. Homemade Lasagne
5. Pizza & garlic bread
6. Lemon Chicken, Rice & salad
7.Jacket potatoes, Corn on the cob & Gammon steaks.
Quickly thrown together a meal plan. We have 2 birthdays & although there are 33 days in our July (from payday to payday i have only done 4 weeks worth of meal plan (28 days) as i think we will certainly have a few days either out or junk food dinners (i.e pizza, burgers, sausages etc etc) .......now to write out the shopping list to accompany it :undecidedMORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. Aug-£200.
Total- £1362.23
Goal pay off 1% of current mortgage in 1 year. £1650
EF- first goal £300
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Well all the minced beef, steaks, burgers, sausages are ordered from DOnald Russel so will arrive next week.
WIll need to cost up the rest of the meat- fish, gammon, bacon & chicken and see where i can get cheapest.
Need to check cupboards & stock up on basics.
Also need cereals, butter, milk, bread etc and then can start adding in ingredients for all these meals :eek:
Aim is to only have to buy fresh stuff each week! We shall see....hoping to crack it this month comingmeal planning is hard work!!
MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. Aug-£200.
Total- £1362.23
Goal pay off 1% of current mortgage in 1 year. £1650
EF- first goal £300
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I try to meal plan but my husband always messes it up lolElectric and Gas Predators 17/£700:j:j:j October make £10 a day challenge :j:j:j£155/£3100
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well done the list of what i need for the month and :eek: it's a lot!!!! I hope we can cover it in the food budget! Going to buy everything that isn't fresh in the first week (and if it can be frozen and is fresh will buy that also!) that way we can't go hungry in the last few weeks like we did this month lol!
(that is the plan anyway............)MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. Aug-£200.
Total- £1362.23
Goal pay off 1% of current mortgage in 1 year. £1650
EF- first goal £300
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