Enjoying the Sunshine whilst Saving for the Rainy Day

debtfreewannabe321

slm6002 wrote: »

Dont beat yourself up too much about savings - at least you put some accross and also had a summer full of fun too. You can work on the extra in september maybe. Not long left now till back to normal

Normal? What's that :rotfl: I have no idea how I will ever make my target but I won't give up that's for sure Kids are ready to go back to school I think. The first few weeks they played lovely together and ds1 hid in his room (he's a bit of a loner so was obviously craving a bit of alone time) now both small ones argue whenever they play and ds1 is actually leaving his room looking for company :rotfl: he even came to the cinema kids club yesterday something he would never do normally :eek: So think they're ready to go back now!

brizzledfw wrote: »

Just popping by to catch up..sorry about all the extra 'dad related spends'..people can be so dense at times cant they. I know he's ill but even so..anyway you're coping well which is the main thing.

Hope the new neighbours are friendly. We have the same issue. However, first contact was fine - think we all spoke outside on Sunday..but in my case I will really miss the old ones..they became very good friends.

Enjoy the meditation when you get the chance

I think it's because dad is well off, as are his friends, as are all the locals in his village on the Thames and us paupers that ship in and out have to "keep up". One things for sure we're not going this weekend as we're totally out of money and we're exhausted! I said to my DH, no wonder my DF is ill, he eats out constantly, drinks every night and just doesn't stop for a minute! Every time I visit I come away and detox for a day or two on water, herbal teas and fruit & veg...all of which are alien to my DF :rotfl:
And Meditation............I can tell I haven't been practising that's for sure :rotfl: I best get back to that asap!

mummytogirls wrote: »

Morning DFW,

Yay to all the money coming in at once :T. You are doing so well with your saving for the house, im so impressed!!! Hope DH doesnt need that DD bill money so you can hit your target.

Lucky you about the kids shoes aswell, my spend was £70 in that shop last week :cool: xx

I thought it was my birthday when I logged onto my bank and saw all that money! I should have called tax credits to see why they had paid it really but i've used it towards credit card spends and savings now if I owe it back it will have to come from the emergency funds now . I asked DH to call them yesterday but he didn't (02) so he best do it today as I don't know why it's been cancelled :huh: he still has his phone and uses it so it's baffled me!

£70 on shoes......mine would have been closer to £120 had any of them needed them as ds1 shops in the mens department and is like a magnet to the most expensive shoes in the shop, every time, without fail! I guess I ought to start a savings pot for that too huh although after this year ds1 will be at college (:eek:) so he will only need shoes for interviews and any jobs he might do....perhaps he could buy his own pair then??? :rotfl:

debtfreewannabe321

Morning!

I've checked my bank this morning and pay day is pending, literally :T I have £30 odd pounds in my account still for the mobile bill that was due so I will get dh to call them at lunch and see what's going on with that. If it's not needed by him I will put in ISA and I will make my target Other than the £30 we're broke until tomorrow So today- waiting for delivery to turn up, swimming lessons, tidying the house and drying clothes (ahhh that old chestnut has started up again! The battle to get everything dry!). I stupidly left the clothes on the line yesterday after checking the weather app on my phone, which lied to me and told me it would be dry all night and morning. I woke up to my garden flooded and my clothes drenched through! So they've gone on a spin in the washing machine and are once again drying, this time inside! Going to try and hold off on switching the clothes dryer on to dry them for a few more weeks but if it gets much colder they won't dry without heat!

So this weekend we've been invited to a birthday party 100 miles away and camping (with dad) 120 miles away. I spoke to DH and said I didn't fancy the camping and am over the guilt trip dad keeps giving me to go to all these things and would he like to go to the birthday party as it's his nephew's birthday. He told me he was going to lie to them and say he was still going camping just so he could have a weekend not travelling somewhere and being sat on the M25 for 3 hours :rotfl: we don't often agree, but I think we do on this one :rotfl:

Right i'm going to stop waffling and catch up with some of you now xx

debtfreewannabe321

2014 Goals:- #1 146.24/6000 (emergency) , #2- 10,240.83/15,000 (new house) :j #3 945/3000 (rental house fund) . Aim High!

Borrowing Steph's idea and posting before I change the signature, I'm determined to go forward and not backwards on this from now on

debtfreewannabe321

New month tomorrow so I've been tweaking the budget. I'm going to pay £250 straight into the isa tomorrow and hopefully more when I get my tenancy money halfway through the month. It's a pain I don't get all the income on the same day of the month as I find that easiest but it is what it is and I need to find a way of working with it. Paying the ISA at the end of the month clearly hasn't been working has it now :cool:

I'm putting the rental fund on hold for now until I either a) use money that has been put in there for the house b) I hit £1000 on the emergency fund (my next mini target) once one of these occur I will then start putting £50 into the fund again. It's really hard trying to start off so many funds at once and i'm wondering now if I should have put all my efforts into the house saving fund, then the emergency and then the rental. I guess I can still change this if house savings is looking a bit short come the new year

StressedSteph

Morning DFW,

Wow its just money money money where your dad is concerned. At least it looks like you might get out of this trip. Its all the incidentals that add up, like food shopping and then anything extra you would need for camping etc. I have to admit to getting alot better at saying "No" since starting this Debt-free journey. Unless its getting nearer to 40 , I just don't give a damn anymore, I just say "can't afford it" and leave it there. I seem to have no shame anymore :rotfl:.

I like the End of Month Signature posts too. It's kind of a snapshot of where we are at the end of each month, otherwise you can go a few months and start feeling like you are not getting anywhere,whereas if you look back in your diary these snapshots will prove you are making progress.

Loving your savings plans, I am desperately trying to get to the 1k mark to legitimately be following Dave Ramseys Baby Steps programme but I am soo impatient to get this debt gone that I am only managing £100 or so every month. Just not enough to go round.

My long term plan is to get 3 months of hubbys wages saved, Would be so nice to have the security of that sitting in a savings account. Him being self employed, there is a vast array of reasons why we need this safety net.

Oh well, eventually. Keep going hun you are doing so well. xx

debtfreewannabe321

I've listened to dave too hence me thinking I really really need this £1k emergency fund sorted when he said he wanted us to save 6 months living expenses (or is it 3?) I kind of went into shock thinking that will never happen with 3 kids at home :rotfl: x

StressedSteph

debtfreewannabe321 wrote: »

I've listened to dave too hence me thinking I really really need this £1k emergency fund sorted when he said he wanted us to save 6 months living expenses (or is it 3?) I kind of went into shock thinking that will never happen with 3 kids at home :rotfl: x

Hi DFW

Aaaah so glad you love Dave too :smileyhea

Step 1 - £1000 Emergency fund (Although he uses Dollars which might be more like £500 ish but I think 1k would be a better fall back plan]

Step 2 - Pay off all debts using Snowball method Smallest ot largest.

Step 3 - Save 3-6 months of wages. He states that it should be 3 months if you have a secure employed job and 6 months if you are self employed. Trouble is six months is 18k for us :rotfl:. that would take me another 2 years so I am sticking to 2-3 months as a starter, as we need to also start saving to replace our aging car and I also want to start paying extra against the mortgage.

Also frankly once all the debts are gone our monthly living expenses will be greatly reduced.

Alot of long term goals but i feel if we don't tackle each day as it comes we will never ever get there.

Gotta love a plan though no matter how impossible it feels at the moment xxx

abba1772

Who's this Dave I'm very interested xx

mummytogirls

Happy Payday DFW!!!!

Did DH get to the bottom of the DD not going out?

Have a lovely weekend x

debtfreewannabe321

Hey!

Steph, I'm the same I tell my dad "we're broke" like a broken record :rotfl: to be fair he pays for an awful lot when we're there and we're only expected (well not even expected but I guess it's polite) to offer to pay once in a while. It's just they don't eat at McD's and they would rather a steak & champers than a burger and beer :cool:....It looks like i'm still working towards step 1 then although once that's done I can at least skip step 2 :rotfl:. Abba, google Dave Ramsey or go on y0utube that's where I found lots of videos fro super short ones to hour long ones :eek:. Mummy thank you :T pay day is my fav day . Somehow his DD got cancelled :huh: but i'm not sure how? I'm the only one bothered with doing the banking so I am wondering if I somehow did it?! Anyway it's back on now (his phone ) so we now owe last month's and this month's money all at once. Thank god I didn't send it over to the ISA *phew*.

So this is the last weekend that the kids are off and DH is here this September (knowing his job though that could change!). Friday we took the kids bowling as we haven't braved it since DD got her hand caught in the machine thing that carries bowling balls back to you :eek: it traumatised me more than her because she was trying to put her ruddy hand down there again this time :wall: I was too busy watching her like a hawk than concentrating on the game (that's my excuse for losing anyway :rotfl:) Saturday we went to kids club cinema with DH this time as he was most upset we went last week without him :rotfl:. We then popped into a restaurant for lunch (DH got 25% discount too with his military card, he never uses it normally but yesterday I asked everywhere if they took it much to DH's embarrassment ) DD needed new out-of-school shoes so we got her some and managed to get a 10% discount on those . We also got DS2 some as they're school shoes fit but they're out of school ones are pretty old and were a size too small, oops, I hadn't noticed . I've also bought some health foods but have no idea what to do with them now :rotfl: Anyone tell me what to do with bulgar wheat or quinoa??:D

I've been good and have been updating the ynab on my phone so I can sync with the computer when I get on.

Next week I will be washing kids school uniforms so they're fresh and ready for Thursday, reheeling ds1's school shoes and just generally getting ready for school. I have signed myself up to another thing with HS as they were looking for a military wife so that will keep me busy for the next year as well as my family I see and the healthy eating recipe book we are writing I will at least come away with some references in preparation for when I move (and then go looking for jobs!) Next weekend is another busy one as I have booked circus tickets and we have a birthday party 150 miles away on Saturday. DH is not here so I will have to do the driving so I expect I will be super cranky by Sunday .

I have paid some money to the ISA from this pay day :T and I will try and send more over when I receive child tax & tenancy money . I've set myself a mini target to get to £12.5k before the new year.....I'm at £10.4k now I think not counting what i've just paid in (will wait until it's showing and then count it up at end of month) so it's quite a big order but I need to catch up! I'd love my emergency fund to be at £1k too but that might be asking a bit much :rotfl: I will try though

Anyway I will catch up with some of you now after getting another cuppa