A mummy's Journey to no money worries

Victoria2322

Hi!
I think these diaries are such a great idea so here I am! I have a partner who works however I am a stay at home Mummy to Two and 34 weeks pregnant with baby no3! Since I stopped working 3 years ago we have been in an overdraft in both a single and joint account! In the last year my OH had to use a credit card and unfortunately never got paid off!
So that is my intro, I want to pay the overdraft off with my OH helps as well as get rid of that credit card! I already have started budgeting but I know there is so many other ways to earn and get rid of unwanted debts.
I will be back soon with my budget plans

Homemadehappiness

Hiya, I have started a shiney new diary today too look forward to following your progress and good luck with everything xx

Victoria2322

Thank You I will follow your journey also and im sure we can help each other on the way

Victoria2322

Ok! My plan for tomorrow is to go to the bank and get 2 printed Mini statements so I know exactly the figures to get out of the overdrafts. Plus my OH WILL ring up the credit card company and set up a monthly direct debit!!
I will redo a direct debit spreadsheet later when the children go to bed.
My budgets so far are
£50 a week on food.= £200 a month
I have spend a lot on cleaning products recently but did a great thing the other day and bought washing powder from ebay that I saw mentioned on mse. I am spliting the 3 bags between my mum and friend so will have just under £20 coming back to me in the next few days. The bag is double the amount I have been using so should last me 8 months as half that amount has lasted me since June! So I will not be buying washing powder for a while.
My 2 other buys are washing up liquid and kitchen anti bac. Need to look at my old receipts and see if cheaper to buy the washing up liquid on ebay!
My daughter now goes to preschool but I still pay £2 a day dinner for 3 days a week so works out approx £24 a month.
I try my best not to go playbarns as Ive paid nearly £10 before drinks, it is ridiculous! I like to take my son to a playgroup which costs £2.50 a week for entry, drinks and biscuits. So £10 a month for that.
Weekend spends depend but if I am sticking to a budget I would say £25 a month.
I buy wipes from £ stretcher for £1 for 2 packs- I use approx 2 a week so this is £4 a month. nappies are £5 from Aldi, I spend about £15 a month on DS and my DD should be completely out of pull ups v soon so no need to buy any more. I am considering cloth nappies but need to look for the perfect one for no3 as my DS trialed one at about 5 months and it just didnt work for him.
So this is
£200-food
£5 cleaning products
£24- DD preschool fees
£10- Playgroup
£25- weekend spends
£20- Nappies and Wipes
= £284

Costs to consider= Christmas and Birthdays, Clothes, Baby Equipment, bits and bobs for children

Now I am going to join in the Challenges

ChocaholicHandbagQueen

Hi Victoria, I found your diary

You sound like you've got a good plan. I've never thought of buying washing powder on e*ay, so I'm going to have a look, that could save a fortune thanks for the idea.

Good luck with your diary, I've subscribed

Victoria2322

Thank You ChocaholicHandbagQueen

ooh happy to help

Homemadehappiness

What do you search on ebay for the wash powder please? just mentioned it to hubs, may be worth a look xx

Victoria2322

Ive sent you a link Homemadehappiness :)x

Homemadehappiness

Thank you

Also being nosey now but do you know if your having a boy or a girl xx

Victoria2322

Its ok! Im having another boy! 3 under 4! Ive got 1 girl and 1 boy atm! In approx 5 weeks So excited! x

Victoria2322

My Challenges will be..
Frugal Living Challenge- I am quite frugal anyway but it will help
Grocery Challenge
Weekly Spend Challenge- This will help me stick to budget
The Autumnal October NSD Challenge- This is not really for me as I am in about 3 days a week with no spends but OH would buy dinner here so he will be doing this!
Second Purse Challenge 2012


I want to do a Earing more Challenge but will join all tomorrow!

I am finding the evening going so fast! I have so much to do Oh well on the positive side I am learning how to save/make money