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When things hit rock bottom the only answer is to fight the way back up...
Comments
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Morning HI,
What a day and half you had yesterday (((HUGS)))
Yuck to the horrible weather too.
Hope you have a lovely day today and get everything done and sorted xx0 -
Just catching up, you've really been through the mill the last few days! Hope it all settles down a bit for you and you have a good break xx"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee0
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Good work on spotting that offer on the PJs Hidden! And a good result on the car seat as well - I love MSE for stuff like that, you can guarantee there will be someone who can answer a question like that!
I'm going to urge against changing the GP appointment - this is for you, yes? You wouldn't be thinking about changing it if it was for one of the smalls, would you now - treat yourself with the same love, care and attention that you give them please Mrs!🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her0 -
Sending hugs Hidden, hope the rest of the week goes much more your way xxMortgage @ 03/2019: £125,000, Now: £51,706.16
Mortgage OP’s: £20,691.73
Remaining 10% OP allowance 2025: £1327.550 -
Hi Hidden
Haven't been around in a while and still you are a busy busy woman.
So glad you got DD sorted. I thought it was a bit strange a 6 year old doing cursive writing (or as I call it 'joined up')
What a crazy day you had yesterday but I seriously hope you are relaxing more today. xxBarclaycard: £4,217.55/£5 = 0.11% | Tesco £3,810.55/£3,770.55 = 1.05%
Total: £8,027.80/£5 = 100%/0.06%
Mortgage £99,692/£51,652.33 51.8%
Car Loan: £9,217.20/7,527.38 81.67%
My Money Managing Ways0 -
Hidden it's your pay day tomorrow yippee and mine also. You will,definitely need a break next week , you are so busy.,At least you had an extra afternoon to get stuff sorted . Good buy on the pjs brilliant price.This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com0
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Glad today has been a bit better HI xxMummytogirls x0
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Thanks all for stopping by
Yesterday was as planned.. just as hectic. One lost school jumper and lunch bag added in for good measure.
Anyway onto today.
Kept youngest at homebad mum! but I simply don't have time nor energy for a 3 hour walk. Older two in school and lunch bag and jumper located and brought home.
I have a to do list bigger than a mountain.
Main list looks like
To do today
Ironing
Put bedding back on
Hoover upstairs
Bring suitcase down
Pack suitcase*
Sort dinner
Do salads and lunch items for Thurs/Fri
Collect smalls
Wash & dry uniforms
Feed smalls
School books (smalls)
Bath smalls
Gets all 3 in bed for 7pm
Iron uniforms
Shower
Clean round again
Check the holiday list and that everything is in case and ready.
Suitcase packing isn't a big job really as everything is ironed and in its place so just a matter of picking it out and putting it in there.
Need to make sure we have enough meds and things and pack med boxes.
I was up all night again so the majority of my normal daily cleaning has been done. I refuse to sweep outside again. I'm on strike someone else can do it
I listed 17 items on ebay yesterday, don't think they will sell thoughwill be surprised if they do.
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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% attendanceWell DS had one day off with the sickness bug :cool:
Have a lovely week away at half term
[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
Halloween costumes for school [STRIKE]x 3[/STRIKE] x 1 Hopefully lessLovely MSE'r sent youngest one
DD's £2.90 delivered from ebay
DD attend friends birthday dinner 19/10
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
[STRIKE]TV license - £28 [/STRIKE]
[STRIKE]Rent - £113.07 [/STRIKE]
[STRIKE]Council tax £85 [/STRIKE]
School - [STRIKE]£200 [/STRIKE] £100
List of things I need to sort in October.
[STRIKE]3[/STRIKE]1 x halloween costumes (Wizard for DS)
[STRIKE]Winter coats for smalls[/STRIKE] All done
Hats and gloves for smalls
[STRIKE]Youngest all in one suit for school[/STRIKE] Done
DD's clothes - just basics but she really needs something Some sorted Still need leggings/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
School shoes for DS
School t-shirts for youngest
School tights for DD
School leggings for youngest
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)
Mcdonalds £9.96
Costa £2.65:o
Pj's £26.30 :cool: (10 pairs of pjs, 10% off and free del)
Halloween disco tickets (school) £40 -
Payday today not that I will see anything
TV license - £28 + £28 to catch up
Rent - £565.35 + £113.07 to catch up
Council tax £85 + £85 to catch up
School - £30
All spent up again :rotfl:
Everything should be up to date now though and back on track
Bank balance £2.34+ £50 cheque to go in.
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