OrangeFairy~balancing a new full time job~mummy hood ~ and debtbusting!

OrangeFairy

We watched that again last night. He is such a dreamy man...and playing a widower with young daughters seems to make him more desirable! My hubby openly admits Jude Law is his man-crush! Lol

Happytogetdebtfree

I love that film ahhh jude so lovely im married il let you have this one pixel lol lol xx

pixiechick99

OrangeFairy wrote: »

We watched that again last night. He is such a dreamy man...and playing a widower with young daughters seems to make him more desirable! My hubby openly admits Jude Law is his man-crush! Lol

I was saying to my friend that I miss my girls being young:o (Even though they are lovely and usually great company (15 and 13), I miss them being little)
So, Jude Law, with his 2 little girls...perfect for me:rotfl:

Ok, I'm starting to sound a bit deranged now, best stop;)

Happytogetdebtfree

Do you pause the tv when he says romantic things and answer him back haha. It's miserable out, I wish it had snowed it always makes everything look nice and clean c

wannabee_in_credit

Happy New Year to you OF.
Your resolutions sound about the same as mine, so I wish you lots of love and luck with those.

OrangeFairy

Happy New Year everyone.

We had a lovely evening. We played game of life over midnight which I won so technically I started 2013 a winner.

Today the MSE this were a nice walk along the coast. Only bought sausage rolls for lunch rather than sitting in a cafe. I have finished all of my xmas sweets except a large pack of skittles which I am keeping back for my stepdads birthday this month as he loves them. Saves a quid. Also my daughters were given a boyish techy present which I have put back for a boys birthday later in the year. We had breakfast and also dinner last night at SILs. So a lovely evening.

Need to work out my budgets tomorrow and ask hubby what he wants to do about paying off the car repair from his card.

I have ordered his presents so need to take that out of OU free money.

I'm not sure whether or not to separate my money into weekly spending allowances. For example I technically have £600 free a month so perhaps give myself £50 a week 'pocket money' in cash and then what ever I have left I put towards debts.


Also I want to start taking out our food budget in cash and then we can keep track.

Good points - we have lots of toiletries to see us through, the kids have lots of sweets so we don't need to buy anything for a while, and we have quite a few bits in the freezer to use up!

So immediate plans

Do a meal plan
Discuss where overpayments are to be made
Create budget
Join grocery challenge
Work out how I am doing moneywise bearing in mind hubby's presents
Start saving £2 coins again (I still have £44 in a sealed pot!) - I have rejoined the challenge

Right off for a nice relaxing bath

Happytogetdebtfree

Good evening, sounds like you have had a nice day. The cash drawing out sounds like a good plan then you can keep track of budgets etc and you can keep a tidy bank. I bet you can't wait to make overpayments, although I advised of poamayc 2013 to focus on November and then build some saving :-) have fun organising spreadsheets. I love them x

OrangeFairy

***shuffles in shiftily to admit I have done something very un-MSE***

Yesterday we bought the solid oak tv unit we have been hankering after for about 2 years! It looks amazing though and now means there are no wires and Xbox accessories visible- I love it!

I can put 2 MSE spins on it though-

1. We were planning on getting it this year and the garden centre only has a sale in Jan so we got 20% off. So £239 rather than £299 so MSE in that we would have paid full price in the year!

2. For our Xmas present to eachother we were either getting a camera or the unit. We chose the camera so were going to try to afford it this month. The tv unit cost less than the camera

Other news- meal planned to use up a lot of our freezer. Also did a mr s online shop with £12 off a £60 spend. I got my order to £60.14 and it said I had £39 savings. I ordered almost everything that was good offers. We will do a farm box delivery and then should only need top-ups.

Pretty much sorted for my hubby's birthday (when my deliveries arrive) so need to get some wrapping paper and we are done

Decluttering- I am up to 191 things decluttered :j just the paperwork and DVDs to complete and then the lounge and kitchen is done! Once I have tackled the understairs it will mean the whole of downstairs is clutter free. Plus I have spring cleaned everywhere I have sorted!

Back to work today!

OF x

OrangeFairy

Decluttering is going well........about to tackle under the stairs.

230 items decluttered so far! :j:j:j:j

Right onto the money situation.

Another £2 saved in my Jar. £50 in there! I am quite chuffed with that! :A

Working out our total debt beginning of Jan

Loan £2256
CC1 0% £1903
CC2 0% £3807
Next £359
Xmas/car repair £490

Total= £8815

Payments this month so far.

CC1 £20 = £1883 (feels nicer to be under 1900!)
CC2 £37 = £3770 (woohoo under 3800!)
Next £100 = £259

Looks a bit better! Looking forward to my loan balance after my normal payment next week. I will top it up to get it under the 2k mark!

I hope everyone is having a great weekend!

Happytogetdebtfree

Hi orange ive just got off the phone with virgin closed the account and had my credit balance refunded it will soon show on my credit file as closed and settled yippeee No monthly visitor has arrived and the test was negative maybe it just wasnt meant to be this time maybe next time.

Well done on the decluttering thats great, yay on the balances it will soon start trickling away xx