Hugglemonster's homemade happiness diary

hugglemonster

Thanks for the info Honeysucklelou2 and thank you Purple - I must catch up on your diaries x

A busy few days with work, club and almost finished setting up 2 weekly free events (famous running events) plus trying to keep house tidy which is not being very successful.

We had a lovely phone message from school and dd told us that she had scored 100% in her national Maths test, the results don't come out officially until the summer but the school wanted her to know!!

I am going to be really busy with work over the next few months and setting up the business so I need to be organised with meal plans and get the kids to help out around the house so will devise a rota with them . I have a name for my business now and am trying to get a logo sorted, next step will be a bank account and sort out the tax as mentioned. It's really odd but both my brother and sister have set up their own businesses this year too.

Some small payments from survey sites sent over to credit card so this currently stands at £1822 before interest is added, I keep looking for 0% balance transfers but no luck at present.

Had an impromptu BBQ yesterday and used our potatoes from the garden for salad, some more potatoes and beans ready to eat too, I need to sort out the next lot of seed potatoes to grow.

Hope everyone is having a fab weekend.

H x

pennywisepoundstupid

All sounding good, but gosh you are busy.

Hope the new business venture is a success.

Enjoy the rest of the weekend.xx

hugglemonster

HI hi, very busy week so far, only online at the mo as ds is poorly so having to work from home. No further progress with own business as I need to go into the bank to sort out an account but I'm fully booked all next week too so no chance.

I haven't done any surveys for a couple of days, I'll do a few after lunch but I have put a bit of money into savings account and next small payment towards cc will be Tuesday when child benefit comes in or if any survey payouts are ready.

DH has just told me he's phoned mobile provider to sort out his payments so a few pounds saved a month, I need to phone S*y to take off the answerphone facility and go to line rental only which will save £6 a month - but always good doing a figure over the year as that's £72 back in my account rather than going to them! In fact doing it now - bah always a hassle!!! Actually the lady was lovely and I've managed to get the £6 reduced I asked if there were any offers on our broadband and managed to get a reduction of £10.99 a month for 12 months and also a credit of £20 so this month's bill will be £6.43 and then £33 for the rest of the year. I know we could probably still get better offers but we're happy with our usage and and service with them. :j:money:

I was shocked to read the article in news about the lady who was left a note asking her not to hang out her washing as it was apparently spoiling the views in the village, how narrow-minded! Thankfully the village soon got behind her and challenged it by hanging up washing all over.

H x

[Deleted User]

hugglemonster wrote: »

I was shocked to read the article in news about the lady who was left a note asking her not to hang out her washing as it was apparently spoiling the views in the village, how narrow-minded! Thankfully the village soon got behind her and challenged it by hanging up washing all over.

H x

That did make me chuckle, good on the village for sticking with her!

Well done on the savings and I hope DS is feeling better soon xx

hugglemonster

Oh dear I'm in the bad books, dh phoned the bank today to request a new PIN and it gave him a balance of the overdraft. Ooops, he didn't know how much it is so he was furious, I did explain that that's what happens when we regularly overspend on food and we've had lots to pay for recently that we haven't saved for! I think he has had a lightbulb moment finally. I can deal with his mood for a few days, but it means the focus of my repayments has to be on the overdraft as he certainly doesn't know about the credit card - he would divorce me!


So operation overdraft clearing starts, I get child benefit in tomorrow but there's still a week until I get paid and the next stage of ds bedroom is being done next Monday. I also need to buy the door at the weekend, I do have a voucher for BandQ though so that will help.


The overdraft limit is £2400 and current balance is -£2080, when I get paid on Monday I'll reduce it to £2000. I'll then have to reduce it bit by bit maybe every £100 made I reduce by same amount?, I always find it difficult but I'll use ynab to guide me with what I need to pay and the income.


Need to get this business going to earn a bit extra, will pop into the bank tomorrow to book an appointment.


H x

hugglemonster

Afternoon, well dh is talking to me and seems to be ok hopefully this will finally kick him into action and stop relying on me to do all the work and also pestering me to buy things for him! I did offer to pay in the xmas savings of £196 in £2 coins but he said no.

He's starting well, he needs an eye test so I've found him a voucher for a free one and he's going after work today and then we'll order a new pair of glasses online for a fraction of the cost.

I went into the bank this morning but no business advisers in branch or the next town, I have booked on to an event in 2 weeks time at a local business centre (free) so hopefully I'll get all the info I need to start up. I will write my business plan this weekend as I have 3 busy days at work coming up.

I've just paid slightly more than minimum payment to credit card bringing that down to £1770.

Off to work in a bit for the rest of the afternoon/evening so home late but have got soup and bread for their teas.

H x

hugglemonster

Phew busy, busy, busy!

We are going to be really stretched this month and it's not event the 1st of July, joiner has been so have paid for that and also have to pay next installment of ds trip of £100. I have done the basic outgoings for July on YNAB but haven't included food, fuel, spending money etc. yet as it's looking bad. I haven't included expected income of expenses and a repayment from some tickets that I sold.

It's my Dad's birthday tomorrow and we have family up for a few days, BBQ at the weekend and some other things going on that all will cost!

So it's operation menu planning, scrimp and save, no extra purchases and get a grip!

H x

hugglemonster

Hi all, amazing how the days pass in a blur of activity, weekend was lovely for Dad's birthday and catching up with family, we manage to keep spends to a minimum plus my ticket sale payment arrived and have been very naughty and paid a bit more off the credit card instead of the overdraft.

Expenses have been submitted of nearly £300 so will be good to get this back in the account, I will leave it there this time.

I went to a business planning workshop yesterday and it was useful despite the fact it could have been done in half a day and there was one really annoying bloke that I could have quite easily flicked on the forehead with a ruler! Next jobs for the business are to open a bank account and register as a Social Enterprise.

Meal planning in full swing to cover the next few days, I had a chat (again) with dh about sticking to budgets and then being able to pay off debt / pay for a holiday next year. One day it will actually sink in that if we spent less on food then we would have more to save or do other things.

July outgoings:
2 x birthdays
dd needs summer shoes and clothes, ds needs shoes.

Aiming for a really cheap month, will put off plaster coming until end of August to give us some breathing space in the budget.

H x

hugglemonster

Good afternoon, so not much happening money wise which is good in one way because I'm not spending much but equally not paying off anything today. Surveys have been dire today and nothing else coming in, I'm holding off making another credit card payment as the next statement is due so I want to pay that and then add extra on top so it doesn't leave me short.

I've had good news today that one of my events has been given the go ahead so from mid August I will be very busy every Saturday!

New business has me confused, I need to register as a Social Enterprise before I can get my bank account but I need a small board (people) and need to check what documents are needed. There is lots of information about setting up the business but I need a simple checklist to make sure everything is in order. I don't think I'm going to have everything ready before the next grant deadline. I'm going to give the office who did the training on Monday a ring to speak to someone 1:1 - just phoned and booked for next Wednesday.

Added up current outstanding debt (without mortgage) and hate seeing such a large figure just over £15,000! I'm contemplating seeing if we can change our mortgage company sooner rather than leaving until all the debt paid off, hopefully reducing the monthly payment.

H x

GlendaSugarbean

Hang on a minute! He is equally guilty of overspending, and you are managing the budget on your own, while spending on school trips and joiners, not hookers and blow. Getting angry at you is NOT ON.