On a Mission

wishingthemortgaheaway

Mummy_bear wrote: »

Quick check in

The babies woke up and have been moving around loads. Worry abated for now

Great to hear.

Mummy_bear

Today has been my only day off this week. Had loads planned! Of course my body and the weather have conspired against me so I've not achieved all that I'd hoped.

Having said that, with the help of my youngest, I've washed my car. The inside is still a tip though :rotfl:

The food budget thing has not gone too well either, hoping to pull this back.
Currently it's £123.64/£250. So not a lot to last until May 15th!! Ooops

On another note. I've realised with this lovely weather that it may not be always best to baby wear the twins as it could get a bit hot. So I've looked into getting carrycots and adaptors for my pram. Although they can go in the pram from birth I'm not fully comfortable with them facing away.
The carrycots direct from the company are £130 each :eek:

I've managed to find one carrycot for sale on FB with an adaptor for £60, I'd got it down from £70. So just need to source one more, hopefully for a similar price. Will be collecting it on Sunday.

Did my weekly shop at Ald1 today and although the baby event was on I resisted buying things for the sake of it. Just being very realistic on what I need and not what I'm made to think I need.

Not much movement on debts at the moment. Just waiting on DH to get paid and then more will be coming out.

Totals as of 20th APRIL

Lloyds CC £5553.11
MBNA CC £4173.15
Barclaycard CC £1352.64
Tesco Loan £8308.92
Santander Loan £5285.25
TV -DH purchase £152.02
M&S Loan £6824.8
Littlewoods £157.99
Next £96.52

Total debt as of 1st April £32751.11
Total debt as of 2nd April £32480.89
Total debt as of 6thd April £32489.89
Total debt as of 13th April £32272.89
Total debt as of 16th April £31904.40



~~~~~~~~~~~~~~


List 10 items on EBay 13/10 :j

Not sold any more since the other day. There's watchers on the higher priced items no idea if anyone will bid though. Not had a chance to put anything else on, just relisted the unsold items

Earn £30 payable from survey sites £46.91/£30 :T

VO is now up to £3.60
PA currently has £17.76 payable and £5.15 pending.
Onepoll currently has £15.05 in there.
Yougov currently has 4825 points in there.
E.Rewards currently has 3375 points in there.
Qmee has £6.13 in there

Reduce debt by £1000 £846.71/ £1000

~~~~~~~~~~~~

My fund to get compost for my garden looks like this £9.11/£25


~~~~~

Right, off to sort out tea

MB

remote_control

Well done on getting into the 31s. I love it every time I go through a 1000 mark and I think 'never again will it begin with a 32....'

Mummy_bear

Hey diary,

been absent for just over a week. Combination of work and being utterly exhausted all the time so just trying to grab sleep when I can.

29 weeks pregnant and had the toughest week of being pregnant since the sickness stopped at 14 weeks. The bump is huge, bigger than it ever got when pregnant with my singletons, it's taking a lot out of me. I've had to admit defeat with work and not do any more overtime and look into reducing my hours. Only 7 weeks left in work if I don't decide to finish earlier.

Had my scan this week. Babies measuring good weights, but have to go back on the 8th of May for another scan. The novelty of regular scans has worn off somewhat now.

Was able to source another carry cot, this time for £69 and a double carrycot adapter for £18. So the total cost has been £147, whereas getting them new would've set me back in the region of £290

DH got paid yesterday so his loan has come out.


Totals as of 28th APRIL

Lloyds CC £5553.11
MBNA CC £4173.15
Barclaycard CC £1352.64
Tesco Loan £8308.92
Santander Loan £5285.25
TV -DH purchase £152.02
M&S Loan £6669.68 £155.12 paid off
Littlewoods £157.99
Next £96.52

Total debt as of 1st April £32751.11
Total debt as of 2nd April £32480.89
Total debt as of 6thd April £32489.89
Total debt as of 13th April £32272.89
Total debt as of 16th April £31904.40
Total debt as of 28th April £31749.28



~~~~~~~~~~~~~~


List 10 items on EBay 13/10 :j

Not put any more on. Not really had much success with what had been listed to be fair. Not how it used to be. Will probably donate most of what hasn't sold

Earn £30 payable from survey sites £70.11/£30 :T

Got another PA payout, not quite the £25 I normally aim for but £23.20 so not far off. It's been a good month with PA.

To be honest I've not really done much in way of surveys this week due to time and tiredness.

VO is now up to £5.10
PA currently has £0 payable and £3.71 pending.
Onepoll currently has £15.65 in there.
Yougov currently has 4875 points in there.
E.Rewards currently has 3750 points in there.
Qmee has £6.94 in there

Reduce debt by £1000 £1000.83/ £1000 :T
Still have some payments to make on Monday to end the month

~~~~~~~~~~~~

My fund to get compost for my garden looks like this £9.94/£25

Food budget looks like this £166.58/£250.
~~~~~


MB

Mummy_bear

Can't believe it's the end of April. Ever closer to my due date.

Keep getting scared about that fact. How will I cope as a mum of 4? How will the finances hold up?
Almost every day I'm writing in my bullet journal, go over numbers. Incomings, outgoings, savings,projections etc.I keep staring at it all as if in hope that I've miscalculated and in fact I've underestimated in the incomings :rotfl:

Anyway, last day of the month and have a few final payments to add to the list.

Totals as of 30th APRIL

Lloyds CC £5483.11 £70 paid off
MBNA CC £4123.15 £50 paid off
Barclaycard CC £1352.64
Tesco Loan £8308.92
Santander Loan £5285.25
TV -DH purchase £76.01 £76.01 paid off
M&S Loan £6669.68
Littlewoods £157.99
Next £96.52

Total debt as of 1st April £32751.11
Total debt as of 2nd April £32480.89
Total debt as of 6thd April £32489.89
Total debt as of 13th April £32272.89
Total debt as of 16th April £31904.40
Total debt as of 28th April £31749.28
Total debt as of 30th April £31553.27



~~~~~~~~~~~~~~


List 10 items on EBay 13/10 :j

Although I listed above target I didn't sell above target.
Will give it another go in May but also spread my wings to other selling platforms.

Earn £30 payable from survey sites £70.11/£30 :T

Very happy with this achievement. I reckon in May I'll get the £50 Ugov payout so I'll be having a larger than usual target for the month

VO is now up to £5.10
PA currently has £0 payable and £3.71 pending.
Onepoll currently has £15.65 in there.
Yougov currently has 4875 points in there.
E.Rewards currently has 3750 points in there.
Qmee has £6.94 in there

Reduce debt by £1000 £1196.84/ £1000 :T
VERY happy with this.
I reckon it'll be more than a year from now that this pay off will be achieved again.


~~~~~~~~~~~~

My fund to get compost for my garden looks like this £9.94/£25

Food budget looks like this £166.58/£250.
~~~~~

How my signature looks at the end of April - £5586.59/£37139.86 15.04% paid

MB

Mummy_bear

First of the month which means I reset my targets to be achieved.

It's weird I actually had my LBM in May last year, not sure when in May though, I think it was towards the end. It's gone so quick.

Then in June I started this diary. It's been slow going with hiccups and shocks along the way but at least we have less debt than a year ago!


Totals as of 1st May

Lloyds CC £5483.11
MBNA CC £4123.15
Barclaycard CC £1352.64
Tesco Loan £8308.92
Santander Loan £5285.25
TV -DH purchase £76.01
M&S Loan £6669.68
Littlewoods £157.99
Next £96.52

Total debt as of 1st May £31553.27



~~~~~~~~~~~~~~


List 10 items on Selling sites 0/10
I've changed this from Ebay in order to look at other selling platforms.

Earn £80 payable from survey sites £0/£80

I've increased my target this month, only because I know I'll achieve the Yougov pay out threshold.

VO is now up to £5.10
PA currently has £4.25 payable and £1.61 pending.
Onepoll currently has £15.65 in there.
Yougov currently has 4925 points in there.
E.Rewards currently has 3750 points in there.
Qmee has £6.94 in there

Reduce debt by £850 £0/ £850

I think this will be the target each month from now on whilst on Mat leave etc.


~~~~~~~~~~~~

My fund to get compost for my garden looks like this £9.94/£25

Food budget looks like this £166.58/£250.
~~~~~

Mummy_bear

Almost 2 weeks into the month and I've not really updated.
This has been partly because the first two weeks of the month are generally the quietest when it comes to debt busting - but also I've been feeling so run down and tired that I've barely wanted to do anything let alone update my diary.

The twins are doing well. Currently 31 weeks. Latest growth scan showed that they've grown considerably and are now estimated as being 3lb9 each!! No wonder I'm drained!

I really am starting to worry about their arrival. I know I will cope, but I do panic that I won't.


Totals as of 13th May

Lloyds CC £5483.11
MBNA CC £4123.15
Barclaycard CC £1352.64
Tesco Loan £8308.92
Santander Loan £5285.25
TV -DH purchase £76.01
M&S Loan £6669.68
Littlewoods £157.99
Next £96.52

Total debt as of 1st May £31553.27



~~~~~~~~~~~~~~


List 10 items on Selling sites 0/10
I've not done any of this...as mentioned my motivation to do anything has been lacking.
Maybe I should've set up a napping challenge.

Earn £80 payable from survey sites £50/£80

I've cashed out on the Yougov £50 - just waiting for it to land in my account. Can take up to 4 weeks but it would be nice to get that in my account by the end of the month. Regardless, I've included it in my figures.

Been slacking on the survey front though in general

VO is now up to £6.10
PA currently has £7.92 payable and £3.85 pending.
Onepoll currently has £16.15 in there.
Yougov currently has 300 points in there.
E.Rewards currently has 3775 points in there.
Qmee has £6.94 in there

Reduce debt by £850 £0/ £850




~~~~~~~~~~~~

My fund to get compost for my garden looks like this £9.94/£25

Food budget looks like this £250/£250.

Been a hard, long month this for the food budget.
I'm thinking of using local fruit/veg deliveries and meat deliveries and then only going to the shops for non perishables etc.

MB

Mummy_bear

Payday has come along and so I can update my figures and see the debt going down again



Totals as of 16th May

Lloyds CC £5483.11
MBNA CC £4123.15
Barclaycard CC £1172.64 £180 paid off
Tesco Loan £8095.88 £213.04 paid off
Santander Loan £5129.8 £155.45 paid off
TV -DH purchase £76.01
M&S Loan £6669.68
Littlewoods £132.99 £25 paid off
Next £76.52 £20 paid off

Total debt as of 1st May £31553.27
Total debt as of 16th May £30959.78

Next month looks like we'll get below the £30k debt, owe less than £1k on the BC etc. The TV finance will no longer exist - the twins might be born (eeek). No but seriously it's a huge psychological boost seeing the numbers go down. I'm particularly excited to not see the number 3 at the beginning of the overall debt that's for sure.
~~~~~~~~~~~~~~


List 10 items on Selling sites 3/10
I've got 3 things on sale now. Will try and get more up this weekend.

Earn £80 payable from survey sites £50/£80

The £50 from Yougov dropped into my account. Promptly been used to buy baby bath supports and other little bits for the Twins.

Been slacking on the survey front though in general

VO is now up to £6.10
PA currently has £8.42 payable and £3.85 pending.
Onepoll currently has £16.15 in there.
Yougov currently has 300 points in there.
E.Rewards currently has 3775 points in there.
Qmee has £6.94 in there

Reduce debt by £850 £593.49/ £850




~~~~~~~~~~~~

I've given up my compost fund - it's taking forever to reach. I'm going to assess whether I can pay it outright without having to save.

Food budget looks like this £57/£250.

Really hoping to keep to the food budget this month and intend to raid the freezers and eat more of what we actually have in

MB

enthusiasticsaver

Getting close to getting under £30k.

Hope your DH back problems are being held at bay and you get an answer after the scan. My brother was diagnosed with Multiple Sclerosis (relapsing and remitting) about 2 years ago now. Still managing to work and play golf too due to drugs he takes. Hopefully it is not that but if it is there are ways it can be managed.

Good you managed to get some bargains for the twins re carrycots etc. My DGD2 is 3 weeks old now and very laid back, completely unlike DGD1 to my DDs relief. Hopefully your twins will be nice easy babies.

Mummy_bear

enthusiasticsaver wrote: »

Getting close to getting under £30k.

Hope your DH back problems are being held at bay and you get an answer after the scan. My brother was diagnosed with Multiple Sclerosis (relapsing and remitting) about 2 years ago now. Still managing to work and play golf too due to drugs he takes. Hopefully it is not that but if it is there are ways it can be managed.

Good you managed to get some bargains for the twins re carrycots etc. My DGD2 is 3 weeks old now and very laid back, completely unlike DGD1 to my DDs relief. Hopefully your twins will be nice easy babies.

Thanks

DH has an appointment at the end of this month so another step closer to some answers. His back has been OK for last couple of weeks thankfully.

Congrats on DGD2, 3 weeks already. I really hope these twins are chilled too :rotfl:
the closer I'm getting to their arrival the more scared I'm becoming at the thought of coping. I've resigned myself to the fact that I may not remember the next 12 months!

MB