Second time lucky... debt free diary.

Cherryfudge

Oh no, I'm late! Many happy returns, I hope you enjoyed your day!

:bdaycake:

charlies_tribe

Thank you Cherryfudge.

DD1 came down this morning and said happy birthday for yesterday, still don't think the others know. DH says we can do it another day when there's no school/work. Think he's feeling guilty but he's right, I would of scoured every receipt /payment and told him off for spending money lol.

I've broke down in tears twice today, absolutely no idea why! I couldn't even give DH a reason when he was trying to find out what was wrong. I've just come up to bed as have a whopping headache.

Car had to be filled yesterday as had 7 miles left on it when he took the children swimming. Been shopping this morning and spent £64.

Did DH SA yesterday and he's due £57 tax back and he also filled out the bit for tax relief so we will see if anything comes from that. Updated tax credits but think he wrote in the wrong estimates for this year, he asked if there would be any changes and I said we would both be probably a £1000 less than already estimated and I think he's put us both at DH's £17000. Will log in to see if it's updated later.

Right, going to rest for an hour before kiddies come home and we get ready for swimming.

Cherryfudge

Hope you managed some rest and are feeling better for it? x

charlies_tribe

Thank you. I laid there for about 45 mins but was absolutely freezing so got up. It was nice to rest though. DH got the girls up and ready for school today so I laid in bed until half 8, I was awake but just didn't want to move. Feeling better today but I know it's a day off.

I will post 1st of month update later. The laptop wanted an update and it's been going over an hour and still only 11% complete. Due to the balance transfer fees and then deciding to just pay minimums and save any extra (If we don't do the alterations it will be paid to the cards before the 0% offer ends).

Got lots of washing and cleaning to do and I'm going to go through the accounts to do a new SO A.

charlies_tribe

Month 10 update

Loan: - £0!
mbna1: - £0!
lloyds: - £0
mbna2: - £7529
barclay: - £9282
tesco: - £7422
sofa: - £3486

Total - £27719

£5835/£33554 (17.3%) paid.

Only £211 come off the total this month due to the transfer fees but at least it went down.

charlies_tribe

Just pulling this forward, will update it in a minute

January targets

Debts 392/600 Didn't make this due to the new plans.
Groceries 574/600 (£16 on meds, £11 college dinners) Ive got a shop coming tomorrow at £35 so not quiet knocked the £50 off i was hoping, although my calculations may have gone wrong as i'm sure there is £50 in the weekly leftover envelope.Work from a monday so still on Jan's money until sunday
Fuel 171/100 Had to top up a day early Feb will have £29 to top up with from both months leftover budgets.
Pets 89/100
School trips 107/107 (also need to start dd2 trip ready for feb)
Lose 4/4 lb (may have put it back on this week!)
Keep my posts updated.

2018 targets
Debt 211/6930 I think with the new bedroom plans i may have to drop this to £5000
Lose 4/21 lb
Utilities under £1500 0/£1500 Not updated for Jan online yet

WannabeFree

Sorry I was still catching up and missed your birthday

Hope you're feeling better x

charlies_tribe

Thank you Wannabe, Just glad to see you back being able to catch up.

Hope you're feeling better too x

Had a call from work asking me to do a later shift tomorrow night and she did say they were still looking at my shifts so i may not have to drop a shift after all. Right better look at some feb goals...

charlies_tribe

Feburary targets

Debts 0/450
Groceries 0/600
Fuel 0/29
Pets 0/100
School trips 0/65
Lose 0/4 lb
Keep my posts updated.

2018 targets
Debt 211/5000
Lose 4/21 lb
Utilities under £1500 0/£1500

charlies_tribe

Going to be another expensive month activities wise. DD2 birthday, she's been asking for a phone for well over a year, i really didn't want to buy one yet but all her class seem to have them, they seem so young. DD2 is off on 2 nights away with school so need to check shes got everything needed.
Need to pay for DD3 school trip. Both girls need gym tshirts at £14 each.
They have stopped swimming lessons (DD2 last night, DD3 has 2 lessons left) so will be £30 a month better off. Although DD2 is being chased for the club team as soon as she's 10 so may be extra needed then.

Better go help DH with dinner, will catch up with diaries later.