I'm going to buy a ski lodge.......

stressed.mum

Hi Daisy
I use YNAB, I used to have several bank accounts, but have now condensed them down to one current account and one savings account as using YNAB yo don't need to keep separate budgets/pots separately.
Hope that helps
Stressed xxx

daisystar

Thanks stressed.mum, this is exactly what I'm coming to realise - there's no need for my beloved online piggy banks, sob!! And it would be much easier if we had just one account, sadly we have FOUR!! :eek: all with overdrafts too, aaaargh!, :eek::eek: Working on it though

daisystar

Happy Saturday evening everyone!! I finally sitting down after looking after all 3 of my boys who are poorly, with the severity increasing in proportion to age Finally got the littles settled and DH has just dragged himself to bed, so I'm having a cuppa and a mince pie and a little trawl of the boards.....aaaaaaand, relax (for now)

We had an eleventh hour house viewing yesterday, it was looking VERY positive but I think I've ballsed it up with my big mouth.....at the end of the viewing he asked me "is there ANYTHING wrong with this house?" As in, it appears so great but there's got to be something, and I, dear readers, THOUGHT OF SOMETHING AND SAID IT. OUT LOUD. What is wrong with me?????? Totally gutted and keep replaying it in my mind over and over as I truly think he was sold on it before that. He viewed it yesterday and we've heard nothing today so I'm presuming he's not interested. Totally gutted.

Other than that, I've been going through the motions a bit the last few days due to the poorliness being upon us, and I'm just delighted DH now has a week off, despite the tummy bug

Have a fab weekend folks x

daisystar

Well well well, I've been a VERY naughty daisystar for not posting on here in forever!! :eek: I will endeavour to catch up without posting a dissertation sized entry......

November officially was, and shall always now be known as Official Get Rid Of Stuff month. I've been totally on it with clearing out stuff we don't want or need, in whichever way possible. This included drops at the charity shop, a nearly new baby sale (kept the baby tho ), a table top sale, local fb selling and returning items to their rightful owners. I should have £bayed but didn't end up doing it, and I tried Zapper for books but they are not taking any on 'due to seasonal pressures'. LOADS of stuff has left our house and some money has been raised in the process :beer:

November also seemed to be 'Official Month Of Lurginess' in our house, everyone came down with something or other so there was a lot of staying in. Very MSE and good for potty training(!!!) but not so great for the sanity so I'm looking forward to a little bit of Christmas socialising.

The main reason for my lack of posting is my newfound discovery of blogs - I'm addicted!! I've been reading lifestyle ones, decluttering ones, money ones, you name it I've been trawling through it. Some of them are so inspiring and I'm totally into reading them if I get a few minutes in the evening. I have however calmed down on them a bit now and found my few favourites so I'm just visiting them now and not spending too much time doing it - I never thought I'd be a blog person but it's amazing what a few weeks of enforced staying in will do to you!

The house is officially off the market and I saw a financial advisor on the weekend, more on this in another post. I also have a confessions, I will share in another post

It's Christmas tree day today!! We were planning on decorating it secretly by night sans children but it didn't quite work out, so today is the day and we're going for it with a hot-headed 2yr old and a VERY mobile 8 month old, aaaargh!!!

Wishing you all a great weekend, it's good to be back :j

PinkPoppies

Found you!

We too are tree decorating this weekend! Going to head off and find a small tree and dig all the decorations out of the loft

Chrysalis1976

Good to see you back, sounds like a lot has been going on despite the illness well done.

Good luck with putting up the tree, we let the kids do it this year it looks lovely mine are 6 and 10 so quite safe to be let loose with the decorations!

C x

cuddlymarm

Hi Daisystar

I hope you don't mind me popping by. I haven't managed to read all of your thread yet but will later. Well done you on the progress so far

I too have a dream, but ours is for a little place in Florida
You have to have a dream and also the occasional treat otherwise you might wake up in 20 years with a big list of things you wished you had done. Our frugal life is to save for old age but also live now if that makes sense.

One thing I have is a rolling meal plan on my iPad cos OH can come home and announce his diary has changed and he'll be late or away for a night, also if I look in the fridge and something needs using up. I just fill in a couple of weeks with ideas of what I have already and juggle as necessary. I always try and have frozen chips in so if we are running late I can just throw something in the oven ( if not we'd end up with takeaway)

Keep plodding along and it's amazing how fast you'll see progress.
Bye for now
Cuddles:)

daisystar

cuddlymarm wrote: »

Hi Daisystar

I hope you don't mind me popping by. I haven't managed to read all of your thread yet but will later. Well done you on the progress so far

I too have a dream, but ours is for a little place in Florida
You have to have a dream and also the occasional treat otherwise you might wake up in 20 years with a big list of things you wished you had done. Our frugal life is to save for old age but also live now if that makes sense.

One thing I have is a rolling meal plan on my iPad cos OH can come home and announce his diary has changed and he'll be late or away for a night, also if I look in the fridge and something needs using up. I just fill in a couple of weeks with ideas of what I have already and juggle as necessary. I always try and have frozen chips in so if we are running late I can just throw something in the oven ( if not we'd end up with takeaway)

Keep plodding along and it's amazing how fast you'll see progress.
Bye for now
Cuddles:)

Hi cuddlymarm, thanks so much for stopping by I completely agree with you on how important it is to have a dream (and work towards it) so you don't wake up in 20 years going "Oh I wish I'd done xxx" - after all the time passes anyway, we might as well get some good stuff done!! Florida sounds luurrrrvely, I think DH would be v keen on there just for the golf!

I like the rolling meal plan idea, I've tried a few different ways of meal planning and shopping but definitely haven't found one that works that well for me yet so after the Xmas shenanigans I may well give that a try, it makes lots of sense. And I hope you're right about progressing fast - it's not gone that way so far but I'm determined for 2015!! :D:D

daisystar

PinkPoppies wrote: »

Found you!

We too are tree decorating this weekend! Going to head off and find a small tree and dig all the decorations out of the loft

Nice to see you here PP! Hope the tree decorating went well.

Chrysalis1976 wrote: »

Good to see you back, sounds like a lot has been going on despite the illness well done.

Good luck with putting up the tree, we let the kids do it this year it looks lovely mine are 6 and 10 so quite safe to be let loose with the decorations!

C x

Hello Chrysalis!! Thanks for stopping by, yep it's felt like it's been non-stop. Hope things are good with you, I'll get to your diary for a catch up before too long. Ah 6 and 10 year olds are a lot easier to control I would think than a 2 year old and crawling baby - it was a very chaotic afternoon!! But very lovely

daisystar

Happy Friday all!! And Black Eye Friday no less DH is our on his works Christmas doo and is staying over tonight, he's determined not to get dragged into the nearest town centre for the after party but we'll see!

It's been germs a-go-go here for the past few weeks now, I have no high when it will end. This week was meant to be full of fun and festivities but instead it's been calpol, extra naps and a quite a lot of tears We made it to a couple of toddler star's parties but have also missed quite a bit of stuff, including my night out last night. The silver lining of this was that I saved a few pennies, hurrah!

Strangely, the rent (the main bit from the council) was paid I yesterday, I'm quite sure it's not due until next week so I'm guessing they've paid early because of Christmas. This is lovely but means we are going to have to be SO careful now, as it will have to stretch for 5 weeks into Jan which is usually very skinty anyway.

I'm thinking a lot about next year - resolutions, goals and which DFW challenges to join, I need to find ones that suit me as I've tried a flew but never stuck with them. More to follow on this over the next week or so.

Off to bed now as I'm guessing it's going to be a disturbed one, I shall be arming myself with calpol and baby ibuprofen within arms reach Have happy weekends folks!:)