📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

When things hit rock bottom the only answer is to fight the way back up...

1245246248250251310

Comments

  • System
    System Posts: 178,354 Community Admin
    10,000 Posts Photogenic Name Dropper
    Hidden , The Fun house is where we go pendelbury so you would need the bus. Also playkidds swinton , but prefer the layout of the other one and more suited to your eldest.
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
  • Going for a walk with DD just you and her is a lovely idea. I'm sure that if you do it regularly she will blossom :)
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
    HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS
  • October goals

    Money
    £50 to council tax - £0/£50
    £75 Groceries - £16.97/£75
    £200 to other debt £80/£200

    Extra income £50* -
    £26 Amazon
    £50 Cheque (not cleared in bank yet)

    Money outstanding to Mum now £575. (£225 paid)

    Plans
    Two bigger smalls to keep 100% attendance ;)Well DS had one day off with the sickness bug :cool:
    Have a lovely week away at half term :D
    [STRIKE]DD attend birthday party - Gift and Card needed[/STRIKE]
    [STRIKE]Have a fab halloween - under £5[/STRIKE] Party dinner organised, all food stuffs needed are in. Will bake cakes and all things halloween themed. Cost Zero :D
    Halloween costumes for school [STRIKE]x 3[/STRIKE] x 2 £30? Hopefully less :oLovely MSE'r sent youngest one :D


    I need to catch up on ALL my bills I'm behind on (all have been spoken too and are okay).
    [STRIKE]V1rgin - first bill so two months nearly £89 (its a bit under this but rounded up) [/STRIKE] :cool:
    Expensive

    TV license - £28
    Rent - £113.07
    Council tax £85
    School - [STRIKE]£200 [/STRIKE] £130

    List of things I need to sort in October.

    [STRIKE]3[/STRIKE]2 x halloween costumes
    [STRIKE]Winter coats for smalls[/STRIKE] All done :D
    Hats and gloves for smalls
    [STRIKE]Youngest all in one suit for school[/STRIKE]. Ordered
    DD's clothes - just basics but she really needs something Some sorted Still need leggings/skirt/tights
    [STRIKE]Pj's and a book for youngest for school event[/STRIKE] £6

    [STRIKE]School photos [/STRIKE] £44.25 :eek:

    [STRIKE]Birthday card and gift for DD party invite[/STRIKE] Sorted thank you EH. £10 spent, art & craft items,
    friendship bracelet, sweets and a card. DD very impressed :D


    I've made my plans slightly smaller, removed the Xmas plans for now I won't be getting anything for Xmas until the bills are caught up. This isn't an issue I get a payment in Dec that will cover Xmas without pushing my budget too much.

    Unbudgeted spends
    School trousers DS £5
    Worry Monster £8 (amazon vouchers)
    Handwriting books £7.50 (amazon vouchers)
  • I am so tired!

    Went to Mr T to collect youngest coat, got DD and DS theirs while there with money exoh sent towards v!rgin. Glad the coats are sorted now. Still no gloves though :cool:

    Got DD some jumpers from ebay, 3 for £5 delivered can't complain. Might pop into Pr!mark this week and pick up leggings/tights from there, along with some socks. Then she is sorted again.

    DD had an amazing time at the party and has now declared she wants Build a bear clothes from santa :cool: Might keep an eye on eBay for some? Not sure it doesn't really fit within the list and I don't like doing extras :o

    Feeling a bit more organised but I have a crazy busy week this week even with 3 days of work (Friday is inset day Weds/Thurs I'm off with youngest)

    It's going to take some planning I cannot be late for anything it makes me want to cry :rotfl:
  • Great that you've got most of DD's wardrobe sorted :)

    I hate being late too :mad:
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
    HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS
  • earthgirl
    earthgirl Posts: 3,762 Forumite
    Mortgage-free Glee!
    Hi hidden great news on all your bargains. Shocked at the teacher saying that. Appalling.

    I work with teenagers, but when I’m working with younger kids every now and again I like the blob tree got starting off talks about feelings and emotions. Also like doing things with positive affirmations, write them on stones and put in a bag for example, and also I can statements put in a jar work well.

    Think you’ve got the better idea though, your love and time! You are a great mum. Never feel you are not.
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House:www: Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again :j

    Progress not Perfection
  • Oh I will 'pinch' those ideas too EG Thank you x I do think she has been feeling left out and I need to make sure I'm sharing myself a bit more equally. She is so good you don't know you've got her. So it's easy to be dealing with youngest and DS who is very loud and before you know it, it's bedtime. Going to be more mindful of this.

    Youngest has chosen Blue Thomas PJ's and a Thomas book for Tuesday's nursery event. DS decided to say they were for 'boys' :cool: So now she thinks everyone will laugh :mad: Anyway I told her only the best like Thomas :rotfl: and DS wanted them himself :p She seems happy enough for now. Which reminds me I really need to find some grey leggings/joggers smaller than her school logo ones. I refuse to send her in them again this week :o She has the smallest size and they are huge! and she's by no mean small! But they where falling down so much she was quite upset :o :rotfl: I have some I think of DD's that aren't logo but she wears because she still has the same issue in year 2 :rotfl:
  • Meal plan.
    Sunday: Roast dinner
    Monday: Chilli, rice & Flat breads
    Tuesday: Chicken Fajitas
    Wednesday: Spag bol, salad & garlic bread
    Thursday: Curry & rice

    Breakfast: Toast, pancakes, waffles, cereal.
    Lunches: Chicken/tuna/cheese salads, fruit, flapjacks, yogurts.
    Snacks: Flapjack, fruit, yogs.

    We have everything in for this. Swapped stuff around so don't need to pick up potatoes. Need to make flapjack and yogurt today.

    I'm very aware we are at the end of or stores now. After returning from holiday I will have to start doing a real weekly shop again.

    Todays plans.
    Cleaning ahead of tomorrow's appointments
    Ironing
    Check homework is done
    Cook roast
    Bake snacks
    Make salads up for lunches
    Bath time and bed for 7pm
    Read with each of them alone
    Survey
    Be in bed before 11pm!
  • Okay a slight panic today in that youngests carseat won't be here for Friday. Neither will a refund if I cancel.

    I'm trying to find someone I can borrow one from however no one seems to have a carseat only booster seats! :o

    I really don't want to have to ask mum to purchase a new seat until I get a refund on the first or really have to ask her to do anything to be honest. Have checked the local selling groups along with ebay and nothing in collecting distance :(

    Might have to pay to cash my cheque from populus along with some other bits in the account and try and scrape enough to get one. Stress!
  • Suffolk_lass
    Suffolk_lass Posts: 10,310 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Okay a slight panic today in that youngests carseat won't be here for Friday. Neither will a refund if I cancel.

    I'm trying to find someone I can borrow one from however no one seems to have a carseat only booster seats! :o

    I really don't want to have to ask mum to purchase a new seat until I get a refund on the first or really have to ask her to do anything to be honest. Have checked the local selling groups along with ebay and nothing in collecting distance :(

    Might have to pay to cash my cheque from populus along with some other bits in the account and try and scrape enough to get one. Stress!

    I would advise following the selling sites but don't react straight away - often these people say they won't deliver until x date and the next thing, there it is!

    I ordered a couple of drill bits (for ceramic and glass) yesterday and they were supposed to take a week but they have already been packed and despatched - sometimes the supplier wants to keep their warehouse people busy so they just do it early.
    Save £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
    OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
    My new diary is here
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.3K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.3K Work, Benefits & Business
  • 599.4K Mortgages, Homes & Bills
  • 177.1K Life & Family
  • 257.7K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.