Life and times of a debt busting mumma

millionaire_in_training

Maybe you're a stress spender. I know I am. Since my Mum died I have added £10k to my debt. Have got it under control now but ooft !!

in_need_of_direction

Don't think it's stress spending as for me, stress spending is buying stuff you don't need. Yes money has been spent but a lot has been achieved. Well done

Ali-OK

Great to see you had a fab time at the weekend and a long sleep too, well done.

Good to hear the house maintenance tasks are getting done, you couldn't leave the guttering for sure.

The sunny weather brings a spring in the step (though sounds like the dancing with the teens did that Sat night ) and a smile to the face. Feels fab to get outside - yep, I've got a grotty garden too courtesy of the dogs. Last year, I tackled it by spending no more than 30 mins per evening doing little bits and working my way round until it looked cleaner, tidier and felt more welcoming. All else fails, I am happy to sit in it but look up towards the sky and forget the ground level chaos :rotfl:

Great deal on the cinema viewing too. Fingers crossed the month ends before the money does!

Rollercoaster_Rach

Thanks all!

Things extremely tight this month...the consequence of making rather optimistic over payments, guttering and essential oils in H&B!!:o

I do like a little treat to get me through the pain!

Had a lunatic day yesterday. Actually semi hijacked a road digger and got kids to climb up on it with me (we are learning about builders )We were posting letters on a little trip and I blatantly grabbed the opportunity :rotfl: getting brazen in my old age. Days like that make me feel lucky to earn my money like this (MIT....well done to your DD!!!)

Trying hard to spend nothing. Just need milk. Will be staying at sis house at the weekend so shouldn't spend there either. Will try to not go shopping and just live off cupboard stores :eek: At the moment I'm stretching big shops to 3 weeks with some visits to corner shop for dry cat food and milk etc.

Think the day's going to be sunny

OOh forgot to mention...did a balance transfer to MB*A CC yesterday of 3,400 from BC1 for 0% interest. Leaving 1,500 approx on BC1 (15% interest) Will hammer this down next. Big transfer fee but worth it. All my MB*A CC is 0% now.

RRx

in_need_of_direction

Why the digger?

Ali-OK

in_need_of_direction wrote: »

Why the digger?

I think Rach took her pupils out to post letters and as they're studying builders, took the opportunity to jump on a digger they came across as part of that project. Think that's what they call Active Learning :rotfl:

Well done on the BT Rach, every bit of less interest paid is a help.

Loving your 3 week stretches to supermarket shopping. Wondering if I dare have a go at that, but don't think DS would survive waiting that long for certain things and he'd eat all the stock if I bought it in one go! :rotfl:

Yay for sunshine. Georgeous Day :j

Rollercoaster_Rach

Ali that was an excellent summary! You would make a good teacher! I'm trying to guess which profession you're in :rotfl:

INOD....I know...a digger! Sounds mental doesn't it?

Been working really hard as have to get books in for Friday for checks :eek: So tired in the evenings not even managing to get on here at all:(

Month moving soooo slowly...trying not to wish life away. Not spending money but eating way too much chocolate in the evening (comfort, stress relief, sugar boost?) not good. Trying to reduce weight now since sun out equals body out soon!:rotfl: Need to lose about two stone really but not really a dieter. Did weight watchers once and lost about 10lbs but put it back on. All about the discipline like with the money!

Got a full on day but do have a cup of tea in cafe with friend to look forward to at lunchtime. Get me out of the building and away from the desk:T

DS at Explorers tonight so a bit of peace and no cooking!

Check in later if I can. Enjoy the sun if you can x

RR x

Ali-OK

No, I'm not a teacher :rotfl: Though contrary to my actions as a young child when I would stand on a chair in the garage, having all the neighbours kids sat on the floor opposite, with chalk in one hand and garden cane tapping on the wall in the other talking for England, perhaps I should have been....:D (I wanted to be, but was put off by others in the family who were teachers at the time).

Funnily enough, DS wants to be a History Teacher and has his GCSE subjects, A Levels and degree mapped out! He's so not like me though! Mr Laid Back.

Me and you both on evening choocie. Really I should think about eating snacks like rice cakes and fruit. But I don't!

Hope you managed to enjoy some of the sunshine with getting out at lunchtime

Rollercoaster_Rach

Haha Ali that made me laugh! I can just imagine you! Well done to DS Watched 'Secret eaters' last night so didn't eat anymore chocolate...sure that will change tonight :rotfl:

A completely crazy rollercoaster day financially speaking :eek::eek:
Nearly died when I saw my mobile phone bill on my bank checks. It was TRIPLE the usual :eek: Could not believe it as it is ALWAYS within my minutes £40 (although I'm looking to REDUCE this substantially!!!!) I actually hardly use the phone as I'm too tired to speak but text often. Spent the start of my day panic stricken as had hardly any money left in my account for remaining direct debits! Thought it must be some freakish thing that had happened but NO..it seems it was all me! Must have been all the IOW business :eek: They said they would email me the breakdown but didn't. Then... a turnaround of events :T

Had to call bank to cancel this payment (so I could pay it in installments) The bank suggested I switched to a different current account which has 0% interest on my overdraft!!! whoo hoo! Saves me £30 a month!:j Then I passed all the tests for a 26 month 0% interest balance transfer! This will always happen when you're not even trying! So my massive credit card debt is gradually getting shifted to 0% interest finally. So happy! Also found out quotes for home insurance for future reference.:T

Checked this morning and payment hasn't been removed for phone bill.:mad: Why do people say they will do stuff and don't. Scraping the barrel in that account now :eek:

Will make some phone calls now. Also lots of frustration re: car insurance who keep asking me to send documents that have already been checked and photographed and signed for, emailed the lot....:mad: Really annoying!

Anyway will try and sit in the sun at lunchtime and squeeze every last ounce of energy out of self..all books being scrutinized today :eek:

Cheers!!! Thank goodness for the weekend :T

RRX

in_need_of_direction

Tell the car insurance peeps you're having second thoughts about going with them due to their inefficiency. It may prompt a second look for stuff previously submitted.