Fat, forty and financially f**ked

Theamazingshrinkingwoman

Using YNAB I had worked out we had a shortfall of at least £600 to be able to go away and pay all bills etc this month. My amazing father has just transferred £1000 to my account so we are now more than covered until universal credit comes in (provided it does, can't even think about what . The relief is immense :j

The joy of YNAB is that I am now allocating this money instead of using it as an excuse to take my eye off the ball. We will also get the child benefit while we're away but that shouldn't get touched. My dad is an actual real life angel :A

And it doesn't stop there - he went for a wander with DS1 at the local farmers market that he helps run (relevant because he gets discounts as all the stallholders love him) and bought me a bag of organic veg and a leg of lamb! :T

I feel like there are glimmers of light at the end of the tunnel. I am now going home to do 20 minutes of housework and 20 minutes of scary paperwork. Baby steps.

Theamazingshrinkingwoman

Just realised how outing that last post is because everyone I'm friends with knows my dad buys me random legs of lamb :rotfl:

Theamazingshrinkingwoman

More progress:

Rang Capital One and asked to reduce interest rate. They told me to do one :rotfl:

Rechecked entitled to and got an estimate of benefits.

Did SOA using this figure and then snowball calculator and found out...drum roll please...if we get UC we can clear CC debt easily in 15 months saving about £4k of interest and 40 months :cool:

Theamazingshrinkingwoman

Went to see my closest friend this afternoon. She had bought me a huge bag of Maltesers because she thought I deserved a treat. A small thing but oh so welcome! We drank tea, ate chocolate and talked lots. And she didn't mind me fiddling with YNAB while we talked

Now sitting on the sofa about to watch Tuesday's Sewing Bee with DD. Had an enormous Chinese meal for supper, we're all stuffed and there are leftovers. Did the whole thing for £3 per person. Probably could have fed 8 though

We had chicken stir fry, egg fried rice, spring rolls, prawn crackers, gyoza (ok, they're not Chinese!), chicken balls and hoi sin sauce and soy sauce. Plus green tea. All homemade, all delicious. So full but it was lovely to all cook together (except DS2 who was a) filthy and b) grumpy so he was sent for a bath while we cooked).

It was like something from a really cheesy film :rotfl:

please-let-me-be-lucky

Glad you’ve had a nice day. Bet you feel all wholesome after your family time - “Goodnight JohnBoy” :rotfl:.

(Please tell me you used to watch The Waltons!!) Xx

Theamazingshrinkingwoman

Goodnight Jim Bob!

please-let-me-be-lucky

Theamazingshrinkingwoman wrote: »

Goodnight Jim Bob!

:rotfl::rotfl:

Goodnight Mary-Ellen.

No, stop!!

Theamazingshrinkingwoman

Another day on Walton's mountain.

I am resenting the weekend because I can't get accurate bank balances :rotfl:

Shouldn't need to spend much today and all spends are budgeted for :T

Might fill my car as have time to wait in the queue at the cheap petrol station. DH needs to get something fixed on his car so it will pass it's MOT - will be about £30. DS1 rugby this morning, DD rugby this afternoon.

Stuff to do today:
Meal plan
Aldi shop
Brave the box of doom (hideous paperwork)
Clean boys' bedroom. ?shovel ?flamethrower :eek:
Shop around for broadband deal
Tweak YNAB to add things I keep remembering
Plan holiday spends
Have a look for things to sell on Facebook - thought this could be a good hobby for the not very mobile husband
Need to shift a couple of things into the loft
Take DS1 to rugby
Pick up Amazon order from friend - she kindly put it on Prime for me, saving me £6 postage. It's a cookie cutter for some baking I'm doing next week which I will be paid for. This will be the start of my emergency fund.
Fold and stow the clothes from the floordrobe
Loads of washing x 3
Change beds
Buy rotary airer
Unload dishwasher
Reload dishwasher

Think that lot should shut me up for a bit

Theamazingshrinkingwoman

Probably need to get out of bed first.

SAVVYSCOT

XSpender wrote: »

I have shelves full of healthy eating recipe books and follow loads of vegan and clean eating people on instgram. I had a chocolate hot x bun for breakfast and a packet of pop chips for lunch

Me "Do I have a separate account that I post under..."

This. 100% me aswell :rotfl: