Auf Weidhersehen Debt

Brookside88

Evening all.

Feeling rough as a badgers behind today. Keep getting a cold that seems to be passed around work and then home. Urgh.

But anyway, another payment made today. £60 off the virgin CC

Had to nip to asda on my way home from work to get a few bits and probably spent more than I should have (£34) on stuff I probably shouldn't have bought.

Hope everyone is enjoying the gorgeous spring weather we're having (ha!). My name is next on the list for leftover pallets from work which I should be able to take on Friday. Got a couple of garden projects to do with them so that'll be nice if we get some sun!

Anyone else find themselves wishing the weeks away until payday so you can make your next payments?

Brookside88

Just updated my signature woop! nearly 10% in 3 months!

Brookside88

Quiet few days for me, still feel like poo. Last night and Thurs night I think I probably averaged about 4 hours sleep. Why is a cough always so much worse at night? And why is it that toddlers have a lie in for their dad but when it's mum's turn it's morning at 6.15am!?

Toddler has gone to bed now and I literally have no idea how I made it through the day.

OH had an interview this morning, he currently works for a large restaurant chain behind the bar and his hours are different every week. Quite often he's given a day off that toddler is in nursery which infuriates me because we might as well burn £50! And hes worked all weekend for the last 3 weeks so I never get a day off either. Anyway, he feels like it went well and he'll hear back on Monday. If he gets it it'll mean a pay rise, a guaranteed Saturday or Sunday off every week and he'll never finish later than half 6.

In other news, I sold our old kettle for a tenner today on fb marketplace. Truth be told I didn't need to buy a new one but it's a lovely bodum one from tkmaxx and was much cheaper than it should have been!
I have a couple of baby bits and a steam cleaner to sell too but annoyingly I've lost one of the tiny attachments for the steam cleaner so might struggle to shift it for what I hope to get for it.

Gosh that was a ramble wasn't it! I'm off to watch some telly (fall asleep on the sofa)

Brookside88

Well I had some small success this weekend. Sold the kettle yesterday for a tenner and sold 2 pairs of headphones that I got for free from a supplier a couple of years ago for £13. It does make me chuckle when people try and haggle you down when they've just pulled up in their 18 plate range rover :doh:

I went and did the shopping this morning and spent £55 (a bit more than I'd planned to, leaving £50 budgeted for the rest of the month. Should be doable, there are bits in the freezer that I can fashion into some sort of meal.

Had a little womble while I was there and grabbed a receipt off the top of the self scan station that somebody had left there, checked it when I got home and got a voucher for £3.15! Haven't managed to check my own receipt yet as I have to wait about another hour until it's uploaded.

So thats £23 in sales and £3.15 wombled. A pretty good coupe of days!

Hope everyone is having a nice weekend:)

RhiBi

Hi, I'm new to the diary writing too so can't really offer advice, but wanted to say how well you're doing already!

Good luck to your husband too on the job interview xx

Brookside88

RhiBi wrote: »

Hi, I'm new to the diary writing too so can't really offer advice, but wanted to say how well you're doing already!

Good luck to your husband too on the job interview xx

Thanks RhiBi, it's so motivating writing it all down isn't it. I'm off to check out your diary

Brookside88

Afternoon money savers,

Paid, £23 off the MBNA CC today from the money I'd made selling stuff over the weekend. I moaned to my mum that I wouldn't be able to get to the bank to pay it in and she took the cash and paid it into my bank for me.

My own receipt from ASDA didn't produce a voucher (Don't you hate it when that happens!?). But I can't really complain since I gained £3.15 from somebody else's £40 shopping.

Big news, OH go the job! so he'll go from about £14k a year to £16k +commission. and it means an end to the unsociable hours :j
I feel like I haven't had a day off in so long! I can't remember the last time I was in the house on my own. They can't guarantee that he'll have Mondays off like he does at the moment so it's potentially another day in nursery for our little boy. Hopefully since he'll now be on a salary, he'll be able to get childcare vouchers. (They extended the deadline didn't they?)

Happy Monday all

Brookside88

Oh and I also discovered I have £7 in clubcard vouchers so that's nice!

Brookside88

Sold the steam cleaner I listed on FB market place for £40 today, he's picking it up tonight. I had hoped to pay that off debt but our joint account is at crisis point, mortgage went out today (£398) leaving £134 left of the overdraft. Car loan is £129.11, and remaining food budget is £50. Unfortunately I hadn't realised that child benefit doesn't go in until the 26th so I'm going to have to put yet more money into the account to tide it over.


OH's new employer does offer childcare vouchers so just have to wait and see now if he can get them.

Brookside88

I'm pretty sure nobody is reading this but hey ho, I'll carry on anyway because I'm finding it useful.


I had a look at our insurance policies last night and quite frankly they're a sham and I should have sorted it out a long time ago. I stupidly let our home insurance auto renew with the details specifying old aluminium windows which have now been replaced with UPVC. Currently paying £429 for the year (£35.77 a month!). Have done a quick quote on money supermarket and can halve what we're paying now so I need to investigate early cancellation fees etc.


I've also not updated our decreasing mortgage life cover since we bought the house and we're definitely not covered now since we have both started smoking again (I know we definitely need to knock this on the head!). We also have an almost 2 year old so I need to see if we'd be better off with life cover rather than mortgage cover. If anyone can advise on this I'd be most grateful.


Been trying to use stuff from the cupboards for meals this week as joint account is still at crisis point


Really need to go and put air in my tyres tonight after work, one of them is practically flat! Going to do it at sainsburys because their air is free!


Nothing else to report for now.