Payment a Day Chapter 17

Tink_04

£2.25 for me today - still plodding along!!

Erme

Bobarella wrote: »

My top tip is to let friends with older kids know you are receptive to any of their bits and bobs, I have a girl after a boy, and so it was lovely to be given bag after bag of girls clothing from a friend. I have barely shelled out a penny on clothes.
Get on gumtree and freecycle, street life and see what is going for nothing too.

So true...you are so going to have a great baby Sashybo (hope that's the right person?) and a major adjustment but you can so do parenting (even a new born) on a budget. I remember years ago when I was quite unwell, my best friend at the time made her own clothes (had hubby as a student doing a PhD and she was a SAHM) and a baby. Baby was practically weaned on baby rice. She fed me cheap digestives and I was so underweight at the time. That was coffee at her place . Me digestives, Baby (who is now 18 and eldest of 6) baby rice! Job done! on a budget!!!

ahall3519 wrote: »

Good evening everyone! Just a quick update. I have updated my signature below and after checking current finances i shall have to wait until payday before I can pay the remainder of the Barclaycard Debt off. However I am about to start on my last debt of which I have transferred to a Tesco CC with a 0% balance transfer and no fee. And I went through TCB to get £30 cashback! I am currently waiting for all the paperwork to come through and my balance transfer to complete then I shall update you all with that total! Thanks

How desperate do you want this llama ahall :rotfl:

I've just had income change and with a CAP money budget this means a lot of juggling. Haven't tried YNAB but the CAP one is good for me and free (you just need to go on a CAP money course)

So wrap up warm peeps - get a walk or some fresh air (tis free) and count thy blessings!!

Have a good day

Soon be Christmas :santa2:

E

sashybo

Hi all, another £1 to the loan today, hoping for slightly more at the end of the week as it's payday on Friday. :j

Thanks Erme Yes you got the right person. Will try our best to keep the spends down and budget, just a bit overwhelming looking at all the "things" you're told you "need" to get for a baby. :eek:

White-as-Snow

Poor car is sick and in the car doctors garage Sounds like it may be a little expensive Savings are currently nil so it looks like I may have to put it on plastic .......:(

But that's ok kind of as I'll just have to PAD that away first before carrying on.

I'm going to only PAD £1.20 today into the savings pot please until I know the bill damage :mad:

On a side note what do people count payments to as their PADs? I know some people so savings/credit cards/ loans etc and some count their min payments and some don't but what about utility bills or rent for instance?

Keedie

Hi white-as-snow, I don't count the change that I put in my savings tins, and my EF is now depleted so I just count payments to credit cards, and other debts. But I guess some bills are debts, like council tax etc that you are paying off slowly, or quarterly utility bills etc

sashanut

Hi all :j

My PAD is £24.15 - refund to M&S cc - thanks Keedie!!

LittleMissDetermined

Good morning everyone

My PAD today is £27.70 regular credit payment please Keedie

Have a good day everyone and try not to get blown away out there, the wind sounds terrible!

LMD xx

jet9cat

Morning all. £93.66 for me today to clear Christmas spends off the cc.

dreamingofmoney

Good morning all
Again just a quick post and bank round down of £1.92[/SIZE] to the old nxt account. Onwards and downwards. Take care all
Xx

Erme

sashybo wrote: »

Hi all, another £1 to the loan today, hoping for slightly more at the end of the week as it's payday on Friday. :j

Thanks Erme Yes you got the right person. Will try our best to keep the spends down and budget, just a bit overwhelming looking at all the "things" you're told you "need" to get for a baby. :eek:

Never had a baby so can't advise but I always thought No.1 on the list was love

and my financial crisis x2 yesterday and last night - new apron needed - gotten one from Dunelm for £3 - taken card off it and it's so thin!!! - back to JL - gotten a thicker one for £5 (reduced from £20) :eek: -

Now that was the end of the housekeeping :rotfl:

Then my hand blender dies when am making pancake last night (and I don't just use it for pancake - hand blender is best though for healthy home made mayo - sooooo easy!!!)

Don't want a £5 one from the supermarket - found one in sale which I pick up later

Spreadsheet is is possible we can still be friends?