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It's time to begin.....

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  • KakisteKakiste Forumite
    241 posts
    100 Posts Name Dropper
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    Just to explain about division of bills; We work out our household bills with my husband paying the full rent (£650) out of his account. 
    I pay; £140 for gas and electric (chooing to pay over the odds at the minute to bring us back out of deficit and build up a chunk of credit before the autumn months. 
    £120 for food bills
    £35 for water 
    £41 for tv/broadband/phone
    £10 for pet insurance 
    £10 pet supplies
    £10 into an ISA for our daughter. 
    £193 for council tax 
    £180 for childcare 
    which works out that I pay £739 which I think personally think is fair given I earn about £400 more a month than him; however he agrees with the 50%/50% approach, we recently redid our household expenses and once schools go back and we have to start paying childcare again (I'm currently paying £550 a month) he wants to start giving me £50 so we each have roughly £700 expenses. 

    Most of the time for bigger child related expenses we either take it in turns to buy shoes/clothes or split it evenly. 

    Thanks - I think the more loans to pay interest is what really gets to me. Without £40k of debt I could have easily saved for and bought a house by now but I have literally nothing to show for it all. But I guess that it's best that I learned the lesson now and can sort myself out for the future. 
    Bottom line; 
    £28,419 paid off 
    £20,587 left to go. 
  • findingthisdifficultfindingthisdifficult Forumite
    426 posts
    Fifth Anniversary 100 Posts Name Dropper
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    Just read your diary from the beginning and wanted to say well done on your progress so far, looks like 35% of the debt you've paid off already.

    I remember having days where I felt like I wasn't making any headway on the debt busting but looking at how far you've come makes you see the progress you have made.
    Wobbling my way out of debt one month at a time

    Credit Card £1,910/£3,161 0% interest
    Loan £0/£23,179 5.4% PAID IN FULL 31/08/20
    Total £1,910/£26,340 92% PAID

    wobbling-my-way-out-of-debt

  • KakisteKakiste Forumite
    241 posts
    100 Posts Name Dropper
    ✭✭
    Thanks. I hadn't realised what percentage I was at :smiley:
    NSD today- the poutine for went down very well with everyone and I've used up the massive amount of potatoes we had in the cupboard to boot. 
    My daughter did a scavenger hunt via zoom for one of her friend's birthdays this morning- really nice idea and they all loved it. 
    I've spent the afternoon working on a sewing project that a friend commissioned me to do- it's about half way done and should be done by the end of the evening. I'm hoping to spend the next couple of days clearing my backlog from the last 2-3 weeks and then I can start making some more money. 
    I need to start savings pots for my half of my daughter's birthday in September and for christmas. That's the next thing to crack. 
    Last year I saved up £400 for christmas which covered half the presents and all of the food. Hoping to do the same this year. 

    Bottom line; 
    £28,419 paid off 
    £20,587 left to go. 
  • KakisteKakiste Forumite
    241 posts
    100 Posts Name Dropper
    ✭✭
    Just had a look in the cupboard and I think we'll do veg soup for lunch tomorrow and then mushroom risotto for tea- don't need to buy anything for either of those so another NSD again. 

    I've told the sprog that we'll make chocolate chip cookies tomorrow as well and have all the stuff to do that in the cupboard.

    Sewing project is almost done (about another hour or two left) so I'll get that finished tomorrow morning and then get into the garden after lunch. I planted a tonne of veg and fruits out there 3 weeks ago and they're all doing well. Need to get the next load of carrots, spring onions and a pumpkin (we're trying to grow our own Halloween pumpkin this year) planted out tomorrow. 
    I've got my usual haul of strawberries, tomatoes and peas outside but this year I'm also growing broadbeans, sweetcorn and potatoes for the first time. 
    We moved to our current house (rental) in 2016 and thing I love most about it is the garden. We live on a really quiet new build estate but at the very edge of it so right next to farmland as well. We're on the end of a close of 8 houses and because we're on the edge of the whole estate all the spare inches of land for each house got pushed up until they reached our plot and didnt have room for two more houses and so we have four times the garden of the standard house pattern. So we have a garden that wraps around the house on 3 sides and has three beautiful mature trees at the front (a sycamore and 2 ornamental cherry trees) 
    So there's lots of grass, lots of borders and lots of hanging baskets everywhere and I found a nifty little device that lets you suspend a hanging baskets from each concrete fence upright post. I even put in a herb border which has come on really well even if my cat insists on sitting on the Rosemary plant! 
    Bottom line; 
    £28,419 paid off 
    £20,587 left to go. 
  • joedenisejoedenise Forumite
    9.4K posts
    Part of the Furniture 1,000 Posts Name Dropper
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    That's absolutely amazing.  Wish I'd learnt about money that young!  Well done on teaching her the value of money.
  • findingthisdifficultfindingthisdifficult Forumite
    426 posts
    Fifth Anniversary 100 Posts Name Dropper
    ✭✭
    How clever is your little lady!! So good that she's starting to see the value of money, I wish somebody taught me that when I was younger.
    Wobbling my way out of debt one month at a time

    Credit Card £1,910/£3,161 0% interest
    Loan £0/£23,179 5.4% PAID IN FULL 31/08/20
    Total £1,910/£26,340 92% PAID

    wobbling-my-way-out-of-debt

  • DancingInTheRainDancingInTheRain Forumite
    620 posts
    500 Posts Fourth Anniversary Name Dropper Photogenic
    ✭✭
    That's fab, a very well earned proud Mama moment :smile:
    01.06.19 Debt £13,636 - CC £8,687, Mum £4,949
    25.07.20 £0 100% Paid - CC £0 Mum £0.
  • CreditCardJunkieCreditCardJunkie Forumite
    382 posts
    Third Anniversary 100 Posts Name Dropper
    ✭✭
    Kakiste said:
    Just had a look in the cupboard and I think we'll do veg soup for lunch tomorrow and then mushroom risotto for tea- don't need to buy anything for either of those so another NSD again. 

    I've told the sprog that we'll make chocolate chip cookies tomorrow as well and have all the stuff to do that in the cupboard.

    Sewing project is almost done (about another hour or two left) so I'll get that finished tomorrow morning and then get into the garden after lunch. I planted a tonne of veg and fruits out there 3 weeks ago and they're all doing well. Need to get the next load of carrots, spring onions and a pumpkin (we're trying to grow our own Halloween pumpkin this year) planted out tomorrow. 
    I've got my usual haul of strawberries, tomatoes and peas outside but this year I'm also growing broadbeans, sweetcorn and potatoes for the first time. 
    We moved to our current house (rental) in 2016 and thing I love most about it is the garden. We live on a really quiet new build estate but at the very edge of it so right next to farmland as well. We're on the end of a close of 8 houses and because we're on the edge of the whole estate all the spare inches of land for each house got pushed up until they reached our plot and didnt have room for two more houses and so we have four times the garden of the standard house pattern. So we have a garden that wraps around the house on 3 sides and has three beautiful mature trees at the front (a sycamore and 2 ornamental cherry trees) 
    So there's lots of grass, lots of borders and lots of hanging baskets everywhere and I found a nifty little device that lets you suspend a hanging baskets from each concrete fence upright post. I even put in a herb border which has come on really well even if my cat insists on sitting on the Rosemary plant! 
    Your garden sounds beautiful. Tell me more about the hanging basket contraption please!! 
  • KakisteKakiste Forumite
    241 posts
    100 Posts Name Dropper
    ✭✭
    It's getting there! I'm trying to be a better gardener across the last two years so I'm making a real effort to do the less fun bits as well as the bits I really like. When we moved in it was all overgrown lawns and now I've got a bunch of borders and planters in. My favourite one has a Wisteria and Buddleia right at the back that I got as cuttings and they're both about 4.5 foot now. 

    The contraption is the first thing that comes up on Amazon if you search 'hanging baskets fence posts' (wont let me post links yet as I'm too new)

    I have a really long back/fence where the garden joins some waste land (that I'm turning into a wildflower haven on the sly, by scattering seeds I get free from work-) so it looks lovely out the bedroom window! :tongue: As a result I have 18 fence panels down that side and I bought a bunch so that I have hanging baskets, strawberry planters and tomato planters hanging on the fence posts so its what you look at when you sit on the patio. 
    Bottom line; 
    £28,419 paid off 
    £20,587 left to go. 
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