Mind change to debt thanks to MSE forums!

FinanciallyUnsavvy

£70 for £8? Amazing! Good work Was that thanks to Nectar points?

Very glad you've had a good day, and lovely to hear your dad is doing much better.

Have a lovely weekend! xx

sassychick2014

FinanciallyUnsavvy wrote: »

£70 for £8? Amazing! Good work Was that thanks to Nectar points?

Very glad you've had a good day, and lovely to hear your dad is doing much better.

Have a lovely weekend! xx

Hi hon

Yes it was through the double spend on Nectar points that they have at the moment. Got £36 worth of clothes, £32 worth of accessories for her room & £2.50 on a reward for her brilliance this week! Can't complain whatsoever.

Have a good weekend! xx

sassychick2014

Morning all

This morning I have booked the final part of Littley's birthday. She is having 2 small parties this year rather than a huge do like before. She had asked for just one but her BFF is going on holiday (in true MSE style her mum blagged a bargain she couldn't refuse!) and so Littley is having a sleepover on her birthday and a sleepover/outing in June with BFF. Paid for the June trip today and so I now have a full £9.25 left of the budget. This will go on goodies for the two sleepovers which I'll get from Aldi & Poundland. I also need to get her some sweets to put in some jars I got for her room (freebies of course) & she loves making cookies so I've got all the ingredients already and am going to make a cookie jar of ingredients. This too is a cheap pressie as 1) already got the ingredients, 2) will print gorgeous label I found online of her name & meaning along with recipe and finally 3) the jar is one of those Douwe Egberts jars that I got which is double cheap as I drink coffee by the bucketload and it was on offer at nearly 60% off!

Looking at everything she has this year I would say she's got nearly twice as many presents which is amazing as I've actually spent just over half less than normal. It just shows that with the right budget and challenge you can do anything. Obviously the nectar promotion helped enormously but sales, negotiations & homemade goodies have also helped. I've just got to make her a card and I'm done.

On another note, I've been doing lots of surveys over the last few days and get to about 60% (according to them) and they say "sorry this isn't for you" or I get screened out which is really frustrating as there's quite a lot of information that they're getting. I usually get screened out within seconds or go through so feel the survey companies are being cheeky at the moment. Anyone else getting this?

No money to put into the pot today and no money has been put across into walk to school fund. Mainly because we haven't walked to school yet this month!! I know, shocking aren't we. I'd love to have a good reason but I don't so not going to blag it.

Finally, just listened to Martin on This Morning and he's announced that schools are adding financial planning to the curriculum from September which is absolutely brilliant and something I'm sure you all know I'm passionate about them doing. Hopefully it will be handled correctly and the kids will all learn what we're only just learning.

Have a good day everyone! xx

FinanciallyUnsavvy

Hey hun

RE the surveys - Yes, Global Test Market do that to me. I stopped bothering. I'm about 75% of the way to being able to cash out £20 but I've given up because like you say, you do a big chunk of the survey then get screened out. It's very infuriating and a massive waste of time. Saying that, I haven't done any surveys at all lately since I started doing the 63336 questions.

Adding financial planning to the curriculum is great. It's about time schools started teaching something actually useful and relevant to adult life!!!

Have a great day xx

sassychick2014

Hi Rainbow

Just done another survey and got screened out again. At least this time it told me, I've had several that just stop and take me back to the home page! I'm glad you're getting something from 63336, are you still enjoying it?

I'm sitting here cold with a thunder storm raging outside trying to get the oomph to get up and take Littley to her club - soooooo cba!! Have tried bribing her with a snuggle on the sofa under a duvet watching BGMT from Saturday but her response was, we can do that afterwards! lol worth a shot

Have a good (and dry) evening xx

RainbowBridgeReturns

Littley could run the financial planning classes at her school, Sassy!

I am amazed at how much you have managed to achieve with the birthday budget, well done x.

sassychick2014

Afternoon everyone

Yes Rainbow, Littley could run the financial planning courses although knowing her she'll be putting her twopenneth in anyway!

Managed to take her to her club yesterday which I've already paid for so it would have been a waste if not. Popped into Sainsbury's on the way home for tea and got some end of day bargains so that was good.

Am now getting ready to get tea on, not sure what we're having but it will include our first crop from our veggie patch! Tonight we will be mostly eating, lettuce!!

Littley's in the garden having her guitar lesson and all is good with the world, have a good evening everyone xx

sassychick2014

Afternoon everyone

Today has been another up and down day. Because I'm just so tired atm what with my dad and working and trying to be a good mum (man I sound whingey!!) I totally forgot I'd been to the supermarket and have again forgotten to put some spent money onto my budget. This therefore means that I have got to find another £40 between now and end of the month or I go into my overdraft - the one I don't have!! It's really annoying because I've just paid £30 into the Aussie Fund and if I'd have realised it first I would have used that obviously. The Aussie Fund is an account at the travel agents so I can't get the money back even if I tried.

I'm a bit bummed out about it tbh but on the other hand there's another £30 in the pot - whoop whoop! lol. What can I do? Can't mope about so sod it. I'll either be slightly late paying something or borrow the money from my mum. I've got 4 mystery shops to do tomorrow plus some price check work to do which altogether will bring in about £50-£60 which is lovely but not payable until June I think. I did do one for a company who told me I would either be paid this month or next, but wasn't sure!! If it's this month it will go in this week and be a huge help but we'll see.

What I do know is this means no buying of food unless on the credit card which I desperately didn't want to use but being a numpty has meant I probably have too. Ah well.

Apart from that, sun is shining. Taking Littley and her mates to the park today and all is good with the world!!

Have a great day everyone xx

RainbowBridgeReturns

Hi Sassy,

Good news about the lettuce, and my finances seem to be a bit like yours this month so I can empathise. I am going to have to get creative too, but we will be surviving on rhubarb rather than lettuce.

You can do it!!

sassychick2014

Thanks Rainbow.

I've had a phone call from a mystery shop place earlier asking if I can do an extra assignment for them tomorrow as well as my own which is great. I've now got 6 mystery shops booked in to do tomorrow which, if my maths haven't failed me, is about £100. Not bad for a day's work. Just hope I can get it all done!

Littley asked why we haven't walked to school in a while and truth is I've been shattered and couldn't be bothered but tomorrow we're walking. I can then walk to my first assignment so exercise is a biggie tomorrow too. I did 2 hours of thorough housework at my Grandma's earlier and am a bit achey as woke some muscles up so tomorrow should be interesting!!

I've also made a decision to try and curb my swearing. I used to work in pubs & clubs before Littley and it got a bit choice! I don't swear in front of Littley but find myself cussing quite regularly in normal chat. I've tried to curb it before but failed. I've downloaded a swear jar app (I kid you not!) onto my phone and am putting 10p in each time I say a wrong word. At the end of the day that will be put into savings to go into the pot. A big part of me hopes to get a lot of money from this but an even bigger part of me doesn't!! Today was the first day and I've only got to put 90p across which is brilliant, but I was with my Grandma for most of that!

Wish me luck & have a good evening everyone xx