Our 6 year journey

optimistic-mummy

ive drafted a plan B Need to go on school run now so will reply later




once its on here theres no escape its official

optimistic-mummy

so here's the plan. its tight but not impossible (I don't think)


we can do this !



Here’s a breakdown of my plan to help keep me focussed:

save £7,100 by 31st Dec 2015 and pay off credit card of £900

17th march - May 10th £900 debt (£500 savings)
may 10th - July 19th £2000
July 19th - sept 27th £2000
sept 27th - 6th Dec £2000
6 Dec - 27 Dec £600

optimistic-mummy

update on accounts


credit card £800
savings £70 (there is £1000 in a locked isa account but I haven't counted this)


I need to see the savings going up. I'm addicted to seeing my savings account balance rise. its such a nice feeling

optimistic-mummy

credit card £800 savings £100

transplanted seeds that I was growing in the kitchen to garden
NSD
housework caught up on
nappies washed

THE COMING WEEK :
Monday : ds1 has friend coming over for tea after school
Tuesday : go and see nana
Wednesday : dentist
Thursday : give friend a lift to her midwife appointment
Friday : blood tests at drs and need to get an app with dr school break up today also
Saturday : kids have dentist
sunday : FIL's birthday

also need to :
switch TV licence to yearly payment

need to pay :
gas £40
any food essentials £30
soap nuts to trial £10
fuel in car £20
bacci £20
other £30

leaves us £200 spare (minus any direct debits that come out this week)
£100 to credit card
£100 in savings

this week ill be withdrawing the budgeted money and putting the cards up on the top shelf to help us stick to budget

optimistic-mummy

kids were up really early this morning (5.30am) :eek: its the weekend :rotfl: no lie in for me then kids, thanks.. good job I love them . had a good baking session yesterday. and a relatively low spend day just some essentials from t£sco including calpol for baby total spend £8.50

so far today ive :
fed both kids
bathed both kids
picked up dog mess from garden
put 1 load in the td and 1 load in the WM
emptied TD
drank a cuppa
fed dog and let him out
changed babies bum
put clean towels away

I need to :
walk pup
do more laundry
put clean clothes away
tidy up .. including our bedroom
hoover all rooms
put nappies on to wash
charge phone - check accounts
list some more on ebay

optimistic-mummy

Hello again everyone

i have decided each week im going to set myself a challenge no matter how small so starting tuesday is our first challenge ... to feed each of us for £1 a day ... theres 4 of us so its £4 a day / £28 for the week

here is the plan for 3 of the days prices correct as of today

Day 1
B = jam on toast = 7p pp = 28p (p4)
L = pasta = 16p pp = 64p (p4)
D = curry and rice = 40p pp = £1.60 (p4)
S1 – kiwi = 11p pp = 44p (p4)
S2 – apple = 12p pp = 48p (p4)
Total for day 1 = £0.86 pp = £3.44 (p4)

Day 2
B - Jam on toast = 7p pp = 28p (p4)
L - Egg and soldiers or egg on toast = 26p pp = £1.04 (p4)
D - 1 pizza 60p 1 garlic baguette 28p 500g potato wedges 50p = 35p pp = £1.40 (p4)
S1 banana = 14p pp = 56p (p4)
S2 half an orange = 10 pp = 40p (p4) + 25g sultanas = 5p pp = 20p (p4) (total 15p pp / 60p (p4))
Total for day 2 = 97p pp / £3.88 (p4)

Day 3
B – cereal and milk = 9p pp / 36p (p4)
L – beans on toast with egg 38p pp / £1.52 (p4)
D – vegetable rice stir fry 23p pp / 92p (p4)
S1 – banana 14p pp / 56p (p4)
S2 - kiwi 11p pp / 44p (p4)
S3 25g sultanas 5p pp / 20p (p4)
Total for day 3 £1 pp / £4 (p4)

day 4
B - egg on toast 26p pp / £1.04p (p4)
L - pasta 16p pp / 64p (p4)
D - lentil cottage pie 48p pp / £1.92 (p4)
S1 - 50g sultanas 10p pp / 40p (p4)
Total for day 4 - £1 pp / £4 (p4)


now to work out a plan for the remaining 3 and include some more meat in there

turtlemoose

ooh what recipe do you use for your lentil cottage pie please?

optimistic-mummy

£280 in savings

THE COMING WEEK :
[STRIKE]Monday : ds1 has friend coming over for tea after school
Tuesday : go and see nana [/STRIKE]
Wednesday : dentist
Thursday : give friend a lift to her midwife appointment
Friday : blood tests at drs and need to get an app with dr school break up today also
Saturday : kids have dentist
sunday : FIL's birthday

also need to :
switch TV licence to yearly payment

need to pay :
gas £40
any food essentials £30 (£10 spent)
soap nuts to trial £10
fuel in car £20
bacci £20
other £30

optimistic-mummy

Morning all.. i've been up since early hours. i stupidly fell asleep at 8pm after putting kids to bed, and have been awake since 2am

ds1 is now awake so time to start slowly getting ready for school

savings are up to £280 which is nice ... will continue to build it up and then transfer 50% to credit card which will mean we still have a small emergency fund to fall back on just in case

so if you see my signature change slightly ^^ that's why

got the dreaded dentist again today

todays plan :

take ds1 to school
list 5 things on ebay (2 listed)
go to dentist
list another 5 things on ebay
pick ds1 up from school
NSD / LSD
housework
walk dog

optimistic-mummy

wow can't believe its been so long since i posted

i will update tomorrow on finances. as dont have them to reach at the moment.

just wanted to let you all know that im still around