*sigh* this may take a while

ohdearhowdidthathappen

We got back from our little break, it was really lovely and so nice to spend uninterrupted time with OH and children, it's all too rare that all 7 of us are together for more than a day at a time.
I've totted up the holiday and for everything; accomodation, food, days out etc it came to £1100... sounds a lot for 5 nights in the UK, but for a family of 7 I think it's ok. We packed a lot in and we have no holidays planned until this time next year (sadly!).
We got paid today because of the bank holiday which was a nice (and welcome) surprise.

ohdearhowdidthathappen

Credit card statement came while we were away, July's was £2300 (average is anything from £2300-2800). August's was £1900.... not quite the £1300 I was aiming for, but moving in the right direction,
In addition, when we got paid in July we were £300 overdrawn, this month we were £50 in credit.
I'm crediting my YNAB obsession and I think if I'm a bit more realistic with the timeframe for not living in arrears on the credit card, we'll get there soon!

wishingthemortgaheaway

Wooohoooo coming off the credit card float.

enthusiasticsaver

Good result on lower credit card bill for August. Only way is down.

Your eldest daughter's attitude would annoy me too. £1100 sounds quite reasonable for a family of your size..

ohdearhowdidthathappen

Thank you both, am pretty pleased, especially with it being summer hols!

I’ve been at work today which was a bit of a culture shock after 10 days off.
It’s really made me want to focus on stopping the weekend working asap. But first, we need to;
1) live off our salary, not a month in arrears on the credit card
2) have a nicely built up funds to cover yearly expenses like house and car insurance, holidays, Christmas
3) have an emergency fund. Doesn’t need to be massive, I’m thinking £1k to avoid using credit card in emergencies.

I’ve worked out that in September 2020, a combination of a pay increment for me and child 3 going to secondary means our relative income increases by £500pm.
So, if not before, I’d like to stop weekend working by then.... 12 months maximum, sounds achievable!

ohdearhowdidthathappen

Have been doing some sums...

for my hospital job working 2 days, I earn £859 a month after childcare for 2 children. When I start my job in new dept. I will be doing 3 days and have to pay for childcare for child 5 on top as he starts school and no longer gets 30 free childcare, therefore my post childcare salary only increases £159 to £1018. Sad times.... but at least it's enough to stop the childminding.
September 2020, post childcare pay will be £1439. so a bit less than the £500 stated above... more like £420. but still enough to give up Saturday job , so above plan should work.

I know childcare is a household bill. but I find it easier to deduct it off my wages when working out my sums

ohdearhowdidthathappen

PS I'm still weighing up which Saturday job to do for those 12 months :rotfl:

astrocytic_kitten

ohshithowdidthathappen wrote: »

PS I'm still weighing up which Saturday job to do for those 12 months :rotfl:

Sounds like your head might be suggesting one option and your heart another? I’m a big believer in gut instinct for these things - you could try ‘making up your mind’ to take one job and living with that for a few days to see how you feel, then trying it with the other one. The option you feel happy with and are not wanting to constantly reassess the decision is the one to go with!

ohdearhowdidthathappen

I like that idea :-)

Nothing planned today or tomorrow, should both be NSDs.... so tired today, I’ve just been chilling mixed with chores. More of the same tomorrow

savingholmes

Only you can decide on the Saturday job front. We got 10% discount from Mr T when DS worked there - but according to MySup Mr A is cheaper even after that discount. Perhaps quantify the discount. I would be tempted to have a stab at the locum thing - you mentioned earlier in your diary that you were tempted by that anyway. It may be the step in the door your need to establish an income from locuming that is as you've said double your normal rate. This would help you clear debt quicker and as you say you could then reduce your hours again.