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Life and times of a debt busting mumma

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  • I am just getting into 'putting real money aside to save for things'.

    I reckon much wiser than insurance I may not use for a particular cat.

    Now let's not talk about cat food! The poor things have had their food 'downgraded' many a time and are now on the A$da special (still costs loads though!)

    Thank you!

    RR x:)
    £2 Savers Club 2014 £54 £20 Jan £14 Feb Mar£8 April £14[
    LBM FEB 2013 32,000 total.
    May 2014 Mum 1500/3000 MB CC 8,043
    BC1 1,900 BC2 5,551 TES 4,896 Nationwide 5,490
    Overdraft 3000 Total debt Feb 2014
  • Igamogam
    Igamogam Posts: 6,028 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Combo Breaker
    Just noticed you have joined the £2 challenge - I did it last year and saved well over £300 in total.
    Be the change you want to see -with apologies to Gandhi :o
    In gardens, beauty is a by-product. The main business is sex and death. ~Sam Llewelyn
    'On the internet no one knows you are a cat' :) ;)
  • There are sites where local folks rate local tradesmen. Sorry but I forget what it's called but you could use good old Google
    5 Year plan. April 2020 to June 2025- CC and mortgage free by time I'm 60
    Currently CC £23,674.36 /£14,895.41/£14315.42
    Mortgage £28,214.65/ £26,254.71/ £25,746.43
    By end 2020 I want CC at £ 19,000.00.
    By end 2021 I want CC at £10,000.00
  • Hi RR
    Just popped in to say Good Luck with your DF journey. I look forward to reading more in the near future.

    MIT mentioned a local tradesmen website for a potential roofing contractor. The site we use is www.checkatrade.com Hope this works in your area.
    Good Luck x
  • Hello Rach :)


    Just popping in to say hello and have subscribed :)

    Sounds like you've made a good start. Love all the freebies, I'm a freebie girl too :D Xx


    SO I have heard Lucky ;) (sorry, couldn't resist!)
    Hi Midgie :) Welcome

    MIT - Trust me the saddle is well and truely wedged thanks to all the chips and mince pies I've been scoffing! :rotfl:

    Quick lunchtime update:

    Had to give DS £20 (need the change!) for school shoes today as his have disintegrated again....get them from sho% z*ne...not a brilliant long term investment but the only ones that fit his size 10 incredibly wide 'bear' feet:rotfl:He is back tomorrow.


    Clarkes have a sale..........I may have indulged.

    No sleep!:mad:


    Start of term mate, sods law!
    Hate this when it happens (frequently) I read somewhere on here about a 'worry list' (apologies to the person I've blatently stolen the idea from) but thought...that's what I have!!!!

    My worry list (aside from work issues! such a long list for me)
    • Damp patches on roof and walls from downpours indicating roof probs and lots of money!
    • Rotting wooden kichen doors shaking in the gales (again money!)
    • Blown down fence: ditto
    • Damaged guttering (urgent...been going on too long)
    And this is just the beginning....
    Plan is to get through Jan (the longest month in the world :() agreed. and start to research repairs for house so that I can budget...

    Oh also cat has a weird pink lump developed on head and needs investigating. She is 13 and seems very well in herself. She's insured. (Have 4 cats):eek:

    More later...got to get through day from hell at work semi- delerious from lack of zzzzzzzzz:(


    Never good being at work with a lack of sleep, I hate that. as it is almost 11 I had best shift off bed bound!


    Hope the week is going well


    xxx
    Nevertheless she persisted.
  • I love this site

    Thank you everybody!

    Although it will probably get me sacked as should be halfway to work by now!:rotfl:

    RR x

    Catch up later
    £2 Savers Club 2014 £54 £20 Jan £14 Feb Mar£8 April £14[
    LBM FEB 2013 32,000 total.
    May 2014 Mum 1500/3000 MB CC 8,043
    BC1 1,900 BC2 5,551 TES 4,896 Nationwide 5,490
    Overdraft 3000 Total debt Feb 2014
  • Back home and loving it!

    Money not budgeted for this month so far: DS shoes, DS headphones and DS Explorers subs (£20). Don't have to pay subs till next week though. Still seem to be on track for this month though (as no over payments made on CCs this month :( This is because I didn't use CC for xmas presents this year :T

    Headphones are being sent back....will wait till end of the month for new ones (DS has some money on a voucher store card!)

    Usually go to a greasy cafe on a Thursday with a friend from work for lunch. Decided to only have a cuppa and eat back at work....didn't exactly go to plan as had a delicious feta/spinach pancake some Turkish ladies were making (new thing) which was £ 2.50 :o Was nice though!

    Can't wait for payday :T Then I will update my signature with all CC REDUCTIONS!!!!!

    Hope everyone's had a good day :)

    RR
    £2 Savers Club 2014 £54 £20 Jan £14 Feb Mar£8 April £14[
    LBM FEB 2013 32,000 total.
    May 2014 Mum 1500/3000 MB CC 8,043
    BC1 1,900 BC2 5,551 TES 4,896 Nationwide 5,490
    Overdraft 3000 Total debt Feb 2014
  • Off to work I go...:( Am grateful for a job though ;)

    Soon as I go back start to feel rough! All those germs....:eek:

    One of my problems re spending has been around thinking 'my kids are only this age once' and giving them 'experiences' (nothing MAJOR)....

    Well didn't go to the panto this year (about 22 pounds each and didn't book to see Russell Howard (DS fav) which would have been 66 pounds :eek:) so getting disciplined and we are all going to live!

    More later...have a great FRIDAY :j

    RR x
    £2 Savers Club 2014 £54 £20 Jan £14 Feb Mar£8 April £14[
    LBM FEB 2013 32,000 total.
    May 2014 Mum 1500/3000 MB CC 8,043
    BC1 1,900 BC2 5,551 TES 4,896 Nationwide 5,490
    Overdraft 3000 Total debt Feb 2014
  • blisteringblue
    blisteringblue Posts: 1,140 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    edited 10 January 2014 at 11:10AM
    Now let's not talk about cat food! The poor things have had their food 'downgraded' many a time and are now on the A$da special (still costs loads though!)

    Hi Rach, Was flicking through the diaries deciding if it's something I should really be doing to spur me on and saw this post.

    Have you looked at Amazon for cat food? Bizarre I know, but they do a subscription service and you can get extra discount and it is free delivery.

    We've the fussiest prince and princess cat who only eat the expensive Whiskas pouches and I get 2 x 48 pouch boxes delivered for around £20 a month. It does fluctuate but the same box in Tesco is currently £14
  • Igamogam
    Igamogam Posts: 6,028 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Combo Breaker

    We've the fussiest prince and princess cat who only eat the expensive Whiskas pouches and I get 2 x 48 pouch boxes delivered for around £20 a month. It does fluctuate but the same box in Tesco is currently £14

    Wow that is a saving - pity ours dont like the flavours that make up the 48 pouch boxes :( now if it was rat mole vole mouse slow worm with bat on the side we would be laughing:rotfl:
    Be the change you want to see -with apologies to Gandhi :o
    In gardens, beauty is a by-product. The main business is sex and death. ~Sam Llewelyn
    'On the internet no one knows you are a cat' :) ;)
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