Emzmom fresh start

Emzmom88

Well i have had a nsd today which is a small victory. Our late night purchase if a water feature in the garden is beautiful we have had a lovely weekend in the garden it has been bliss.
I had 2 ordered delayed which is understandable but the customer service at Mr Online jungle shop was terrible as an apology they have credited me £10 i dont usually use this shop as i lile to support shops directly esp those that pay taxes to us....
Tonights plan watch some tv with oh and maybe a little drink got one more week off so far so will catch up with course work this week, continue not spending,keep on top of housework and cook all meals from stores weve eaten a whole cake i made today so i will make another one tomorrow as a treat for us as they usually last a few days but this one was so nice it didnt last long!

Emzmom88

Oh i forgot to mention yesterday that i did a thorough check of my credit score (its always been shocking but i am now focusing on trying to make it look somewhat decent over the next few years) anyway i have found 5 defaults that should not be there (i was in a vicious circle of payday loans and the FCA told them to remove the defaults and that was 2 years ago) so i have emailed the companies and told them theh should not be there and to remove them...i felt good just tidying it up a little now i am focusing on removing the debt.

Anyway its payday today and all my bills have gone a few debts have now finished this month leaving me with a surplus of £55 to pay off somewhere else i will have a look what payments are small and i will try and either pay off or pay the majority off a smaller one  
Anyway off to have a cuppa before i start my day of course work,home schooling and cleaning  

Emzmom88

Well sp far this week i havent spent a penny i do have a shop booked for tomorrow that is over budget but it has lots of bits for my nan and i dont mind treating her to some goodies she likes! As she cant go out due to shielding and being poorly shes missing her nice fresh bits that she hasnt been able to get so i managed to get a slot so she can have everything in one go!I have amended it many times but i think i have a decent amount of stuff for what i need and all nans stuff!!
Tomorrow i also need to get potatoes as i prefer them from the grocer if i can get them the supermarket ones are always bruised or green inside!!
That should be the only spending i need for the day spoke with my boss and i could be off for a few more or many more weeks...i had no definitive answers the longer i am off the more worried i am for my job...i may have a go at updating my cv just incase.
Keep thinking about the next 2 years ans trying to be optimistic about being debt free and actually getting there it seems like its never going to come. I am struggling a bit with money and repayments but i am going to try and carry on paying everyone without asking for a payment break as its just adding to my debt free date!
Feel like i need a bit of time with oh as the evenings are going so fast and we arent actually having much time together!!
Hopefully will feel more like myself tomorrow

Emzmom88

I think it will be a slow start this morning in our house dd isnt even up yet (she never sleeps in this late) but she never has the chance to have a lie in due to clubs every weekend and usually in the holiday me and oh are at work so she has to get up early to!
So today i plan on going back to my lists as i have jobs to do but find myself bored when i cant remember them...
•all meals from stores, will get creative with this as shopping isnt coming until later.
•get petrol as oh been using my car and it is at empty
• sort cupboard under the stairs out
•if time maybe one of the kitchen drawers to
• collect potatoes from grocer's 
•sort kitchen cupboards out because there are loads in there not getting eaten i had to throw 2 packets of brioche out yest that were out if date...i hate wasting food
•general housework and polish downstairs today
•one load of washing to be done today
•make a start on updating my CV i have seen a job but it is not child friendly hours but its really interesting and almost triple my wage now and I think i have the skills and experience for it but whilst dd is at the age she is but i will update my cv and if something with more suitable hours comes up i can apply! 

Think thats my list for now....one more cuppa and il start!

Emzmom88

Well yesterday was successful i got most of my jobs done defo having the list here helped me as I kept coming back, yesterday i also made some cakes as i needed something sweet before the shopping came and i wasnt going down the shop when i could make something
Todays plans
•take nans food from shopping to her and drop on doorstep
•collect potatoes i didnt get to this but i will today
•put clean washing away
•easy friday tea from stores
• polish upstairs today and hoover everywhere 
I think thats all i NEED to do but we shall see if i can find anything else to do

Emzmom88

Got all my jobs done yesterday,
I spent £45 on petrol...something i would never normally do but with how the prices are atm id be stupid not to fill up i has saved me approx £12 which i think is really good! I also forgot my house insurance has finished yesterday (i had cancelled last week due to high renewal cost) managed to get a lower price, £20 voucher and £30 cashback so feel quite good with that! I used a voucher i got last week to buy me a hair dye and thats coming today ans gave myself a little hair cut just to trim the ends as they were spliting! 
Todays plans
•get out of bed...oh got up with dd i was fast asleep 
•nice cuppa before i start
•games afternoon 
•dd wants a family film evening so we will pick a film for later to watch
•all meals from stores 
•nsd as i am going nowhere
•dye my  hair later
•change beds and hopefully get a load of washing dried outside
•general housework and pottering! Cant do any sorting as i have got so much rubbish already and no where to put it from ohs  sorting last week

Thats all for now that i can think if i am going to try and get out of bed 

Emzmom88

Well Saturday was a good day i did all my jobs i did spend a whole £2.39 on some bits but i can live with that oh treated us to a chip shop as we havebt had a takeaway in a good 2 months and whilst i enjoyed it my skin didnt therefore i am not having another one for a very long time!
Had my hair dyed and after my home made trim it looks lovely i have to say!
Anyway plans for today:
•general housework....i dont know how it gets in this state
•do a good deal of if not all my coursework as its due in this week!
•all meals from stores
•do a load of washing and get it on the line
•play some games with dd later after weve both done our work
•have a look at this weeks shopping list and see if any savings can be made! 

I think its time i made a move for the day...me and dd are aware i could be called back to work at any moment so making the most of our chilled mornings whilst we can!

Emzmom88

This week has been a blurr had work to do that has consumed the whole week on the plus side we havent spent anything except a loaf of bread oh brought earlier in the week. I have got the shopping for the week today cost £81 which is a lot more than i budgeted but if were stuck in we need some nice food and i did treat oh to a case of drink hes been fancying for weeks but hates spending money on himself so hasnt got any well hes had a bad week at work so that will be a nice thank you for everything he does!! 
Got the pool out yest and half filled up il do the rest and dd can go in after her work. Free vouchers from home insurance came through yest so we will be treating ourselves to a pizza over the weekend...tomorrow i think we will be havin a bbq tea in the nice weather!
Plans for today
• general housework its not to bad
•pick up shopping
•all meals from stores
•NSD
•maybe a lasagne tea and then me and oh can eat the leftovers tomorrow or il drop them on my moms door step as she loves it but too much for one person!
•school work with dd once the lazy sod wakes up 😀
•try and find something different to wear i am wearing the same clothes and need something to mix it up a bit!

Just a general pottering day today i had a really weird dream yest and its knocked me out of sorts so will just have a gentle kind of day today i think!

Emzmom88

The days are just rolling by atm! I havent saved anything need to buy car bits ready for its mot i think next year i have to start paying for my service too (currently on a plan) so i think today i will open a monzo account for car maintenance and put into it each month i need to start planning bits out monthly i also need some .more income i am going back to look at the survey sites and try and start earning bits over time and any vouchers can be put up for Christmas! Yesterday i applied for a few jobs even though i do like mine decent money school hours but its just not enough money anymore for our household after oh was made redundant and i think my jobs isnt very stable as work will struggle in a recession to keep hold of people!
Todays plans
•house is nice and tidy so a quick blitz with the vacuum later
•all meals from stores not sure on tea yet but will decide shortly so it can come out of the freezer 
•look into survey sites again and set up accounts 
•look into setting up an account for car maintenance and work out a monthly amount to go into it
•help dd with school work 
•film evening later with oh and dd
•keep gas and electric below £2 for the day (this keeps creeping up and the lower it is the more i am paying off my debt per month with company therefore clearing it sooner)
•ask oh to get some milk later 
•post a letter to my dad - me and dd will have a little walk later to take it will be a nice surprise for him!
Thats all for now off to have a cuppa before starting properly for my day

Emzmom88

Wow i cant believe its been nearly a month since i posted...how bad is that! Moneywise things arent really that good need to try and keep going with surveys i am back at work for a couple of days this week then back on furlough so back down to the 80% and things being tighter again i didnt want to do it but i think i am going to have to ring around my debtors and ask for reductions  for the next few months in order to manage a bit better! It makes it a little longer before i become debt free but thats by the by atm whilst im on the reduction!
Started sw again not going to group but it is costing more in fruit and healthier things but worth it for the whole family dd has eaten so much more fruit recently without any arguments either! 
Plans for tomorrow
Go to work, bring lunch i forgot to prep tonight but wont take long in the morning 
Nsd except for food shop
Collect shopping from mr t
All meals from stores
Make a cake with dd and try not to eat it...that will be hard
Oh can do housework as hes off il just do the cooking and washing
Film evening with dd and oh
Friday i have loads of coursework to catch up on so will try and sort out what i need to do but next week will be busy with it too! 

Thats all for now