Mumof3.12kindebt .. dfw again ! - 15 dec 2020

WinterWarrior

🎉🥳🎺 small shout out to your no spend days...extra well done to you! They are never as easy as they sound. 

mumof3.12kindebt

Update spends since the beginning of the month 

One takeaway £20 
Food shop £60 
Books £40 (not essential but my mental health isn't in a good place so a little self care is needed) already on chapter 4 of one of them and they only came this morning 
Vitamins £20 

Okay so we have had some non essential spends but it's okay. 


I've updated our debt Total. 
I'll just explain. My car goes back in July. I've decided to buy a 'cash' car. But my car has some damage that I'll have to pay for. So I've left (hopefully more than enough) in savings to pay for the repairs / charges. And this loan (loan 2) will be cleared by the end of the year. See page one for our new debt breakdown. 

We still aim to be debt free by our original debt free date. 

mumof3.12kindebt

The books I brought aren't Available from any of my free reading apps. Or libary. 

I'm resetting myself as of today. 

My main goal for this month is too work on my mental and physical wellbeing. I need to work on getting in a better place. 


I hope you all have a lovely weekend 

Love hugs happiness positivity and prayers to you all 

WinterWarrior

Books are essential, no explanation needed! And the food shop total is impressively low ⭐️

Have a lovely weekend, I hope you have time to enjoy many more chapters 📖

mumof3.12kindebt

Hi @WinterWarrior sorry i thought I had replied to you. 

Brought a car yesterday. So at least that is sorted now paid £4000 for the car. Also sorted the tax, insurance and breakdown cover. Total came to £550 I've paid for it all in full so no monthly direct debit.  Filled her up which was £45. Intrigued to see how long a tank of fuel will last. Mot is due next April. 

I'd like to get some seat covers to keep the seats protected and a few other bits like first aid kit etc. 

No other spends other than a food shop which was about £70. 

Will try to keep you all posted regularly on how things are going. 

Should have the bill through soon for the roof. 

Have a lovely day everyone 

Love hugs positivity and prayers to you all 

mumof3.12kindebt

Hello my beautiful diary friends, 
i hope you are all well. 
spends today, 
got ds2 a new phone. his has given up so £60 spent there. its preloved, and will do everything he needs it too. 
also spent £100 in tesco DP is in desperate need of some clothes. and i brought some school uniform bits and a new recipe book. 
£100 spent on amazon. car seat covers and seat belt pads, phone holder with built in wireless charger (i use my phone to listen to go0gle maps alot and i like to listen to ebooks or pod casts sometimes and my charging port is dodgy already so id prefer to charge it wirelessly like i do at home. also got a phone case for ds1s new phone, and the first book of the recipe book i brought from tesco, ive wanted the first one for a long time but kept putting off buying it. 

overall a very expensive day with most of the purchases non essential. but sometimes we all need a little treat. ds1 mobile although not really essential is important to me as he walks to and from school  and it means he can let me know when he gets there and when he leaves. 

i have 5 days off work between now and next sunday. my main goal is to declutter and get stuff sold. my other goal is too finish reading my book ive started, and start some of my online courses. i also have a course book i need to finish for work. 

so 
finish book for work 
finish reading book ive started 
make £50 selling stuff 
declutter 100 items 
finish 2 units of online course 

the recipe book i bought was the feed a family for £20 in a hurry ... the amazon one i got was feed your family for £20 

ill update on how the recipies go .... that reminds me i need to go through the freezer ... 

oh i almost forgot, updated the spreadsheet budget for when the new loan payment starts going out the account. 

also shuffled some money about and sent £500 to debt ! 
have a lovely evening everyone

mumof3.12kindebt

re budget. 
income is currently around £3000 (mainly due to taking a more senior position at work) 
outgoings total £2110 this does include our car payment which will stop in august. and our new car annual costs divided by 13 months (4 weekly as my wages are paid 4 weekly) we also have some 'non essential' direct debits like tv subscriptions which we currently get our monies worth out of. we could cut back abit more but at the moment im happy with what we are paying for. it is all under constant review though. 

here is a breakdown 

car payment for lease car	250.20    (ends in august)
mortgage	378.43   (5 year fixed @ 2.19%)  (took out a new fixed deal earlier this year)
loan 1	159.53  (2.9%) (took out to pay for the roof repair and fire installation)
bg services	2.50   (this is too cover the boiler etc)
union income benifit	17.23 (i will be cancelling this!)
nationwide home insurance	22.38
life insurance for me	27.00 (this is the best i could get, its a flexie insurance as i couldnt get full life cover)
water	55.18
gas and electric	160.30
council tax	157.32
mobile  me	10.00
mobile DS1	6.00
union	16.25
national trust	10.50
housing association debt	50.00  (0%)
go henry	3.49  (will be switching ds1 to a standard card bank account as soon as i can take him to the bank)
amazon prime	7.99
loan 2	113.30  (13.6%) (this was too buy the new car. plan to pay off in full before the end of the year)
total	1,447.60
food	300.00
diesel	150.00
tobbaco	150.00 (we have cut down so its probably less than this now. i still plan to quit, but i need to get my mental health in a good place first i think!?)
total	600.00
total	2,047.60
tv licence	180.00
car tax	30.00
car insurance	450 (based on this years, paid in full hopefully will be less than this)
breakdown cover	100
total annually	760.00
total 4 weekly for annual biils	59
overall total	2,106.60

mumof3.12kindebt

Quick daily update. 

Took dd (4) to have her hair cut today.  She had it washed and blow dried too as a little treat. She really enjoyed it ☺ 

I can't belive She was just a few months old when I first started my diaries  


She's also named our new car daisy... I'm hoping I can keep her (the car) on the road until ds1 does his lessons (only 4.5 years away 😱) and then ill gift it too him probably when he passes his test. Or at least allow him to use it.  

No other spends today 😀 


Have a lovely evening everyone. 

Love hugs positivity and prayers to you all 

mumof3.12kindebt

Morning my beautiful diary friends 

£14 spent today at the corner shop on a few bits we have run out of.. not the most frugal way to buy stuff but I was at work and Mr t is a long walk with the 3 kids in tow. 


No other spends. 

Day off on Tuesday so I'll spend the day doing some food prep for the week. Going to do a food shop tomorrow morning. 
 
Night all x

mumof3.12kindebt

Morning all
Food shop today
Hope everyone is well.