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

mumof3.12kindebt

Good afternoon my beautiful diary friends, 
I hope you are all well. 
Merry christmas and a happy new year to all of you. 
This year has been rough for us all. I hope for those that have found this year hard find the strength to see the light at the end of the tunnel, for whatever reason it has been difficult.  Life isn't always what we expect. If doesn't always go our way. But I promise you it will get better. So if you are reading this, and you are struggling, I want you too know you are not alone. Christmas is hard for many and this year, coronavirus hit many of us like a truck. Its been months of fear, loneliness, sadness and heartbreak. We have lost loved ones and not been able to give them the send off we wanted. We have done food shops and not been able to find the basics on the shelves. Many have lost jobs. Lots of people have got additional debt or financial pressure. Children didn't see their friends. Adults stopped going to work. And we all sat and stared at the same four walls. Abusers got more abusive. Children and adults lived in fear. Teachers and social workers couldn't do their job how they trained for it. Mothers and fathers became the education source for their children not having a clue what they were doing so we just hoped for the best. But above all this communities came together. Food banks helped those in need. Strangers dropped off our prescriptions. People volunteered far and wide, Fundraising was done and as a nation we clapped loud. We thanked the NHS, the delivery drivers, the supermarket workers, and the bin men. We became grateful for the little things. We enjoyed our evening walks, video calls, and going back to school. We couldn't see family face to face, but we made sure they knew we loved them, phonecalls and letters became the new norm, and the love we all have for each other grew stronger than we ever thought possible. And near the end of it all, the scientists who worked hard and were hardly mentioned made a vaccine so one day hopefully soon we can have abit more freedom. 
2020 will go down in history it was the year that nothing felt normal. But hopefully we will end the year a step closer to what we use to know, taking what we have learnt with us so we will forever be grateful for all the things we use to take for granted. 
So tonight when you tuck in your kids, or enjoy a little tipple. Remember all the things you did this year, that brought a smile to your face, and the memories you made. Because If there is one thing we Learnt this year its that life is precious and we hold our loved ones closer. 
Tomorrow isn't about the presents. Its about the love we share. And if Tomorrow you can't spend Christmas with your loved ones, just remember there will be a time again that you will see them, and you will be able to hug them tight. 

Merry christmas to you all. 🎄❤



And now I'm a sobbing mess 😭 

Sayschezza

From my heart, thank you and a merry Christmas to you and yours.

mumof3.12kindebt

@Sayschezza merry Christmas to you ❤ 

Blackcats

that was a lovely Christmas Eve Post.  Beautifully written and a great summary of 2020.  

mumof3.12kindebt

Aww thank you @Blackcats I hope you have had a nice day. 

Good evening my beautiful diary friends. I hope you have all had a lovely Christmas, and if you haven't for whatever reason im sending hugs. 

I worked 4 hours today which was an extra shift for my current hours so I'm bagging that as extra money made so it works out at £52 after deductions (double pay). 

I also made a small £9 payment to very my first debt payment since starting this diary 

Oh got me a lovely cash envelopes purse for Xmas so I'll be using that from January..I'm hoping it helps me keep a closer eye on our spends. 

I didn't have a Christmas t shirt or jumper for work so I made  a one. I put a branch off our tree in the shape of a tree and then glued on tinsil and baubles it went down a treat with the other staff and residents  

Have a lovely rest of your Christmas celebrations everyone  

Love hugs positivity and prayers to you all xx

mumof3.12kindebt

Good afternoon my beautiful diary friends, 
Okay so now Christmas is over. I can fully focus on this diary and my goals with no distractions. 
Dec will be a low pay month due to only doing one shift a week (not counting the extra shifts I did yesterday) I have enough in the bank to cover our bills account and spends account. And I'll have about 300 to split between the rest. 

We have paid the bill for out fire installation  it was alot mote than thought so total in savings going into the new year is £7000. This is to cover any emergencies, the bill (amount unknown) for some damage on our car that is currently leased. And to hopefully buy a car cash. If we have enough left over I'll also pay the tax and insurance for the year in full. 

I'll update our goals page now. So we know where we are at. On the last day of the month I'll do all our normal transfer money for bills food etc and then see what is left for our tins and non dd bills. 

I really hope to stick to this. And like previously I hope to develop new good habits but this time ones that will stick. 
There will be lots of days out and free activities. Decluttering our home creating a space that brings a more positive environment and sticking to my new routine that I am still trying to stick too lol. 

Overall I hope you enjoy reading our journey and may even be able to take some inspiration or learn something new. 

Have a lovely boxing day everyone 

Love hugs positivity and prayers to you all 

ETA - my manager has approved my request of my new reduced hours from January ♡ anything over these extra hours from January i will be classing as overtime and it will go into the 'extra money made pot' after deductions 

Honeysucklelou2

What a beautifully thoughtful Christmas Eve post! Thank you. 

mumof3.12kindebt

Hello my beautiful diary friends, 
I hope you are all well. 
So the fire installation company didn't include disposing of the rubbish in the price, and there is more than we thought. 
I'm going to see if anyone wants the bricks. That way we won't have so much to get rid of. I also have loads of cardboard to get rid of which ill take to our supermarket recycling. And then ill try and take some stuff to the skip when it's open on Wednesday 

I have a few things to do today still, I'm going to list 5 things i need to do each day. It could be things round the house, errands, doing a shift at work etc. But at least one thing needs to be related to money. (Not spending it either 🤑) 

I'm also going to start limiting the amount of time I spend on my phone. Not including reading or video calls with family. From Tomorrow I'm going to allow myself a maximum of 2 hours a day. 
 

So my five things each day this week.
Today (sunday) 
✅Tidy/clean kitchen 
✅Go for a walk 
✅1 hour of surveys - made £4.19 with qmee. Will update post on first page 
✅Bonus - list bricks free to collector 

Monday 
- ✅covid test at work.
- take cardboard 
✅phone about tv licence 
- pick up prescription 
- sort dining room 
- ✅surveys 

Tuesday 
Take cardboard 
List 5 items for sale and do 5 Surveys
Food shop - remember list and bags 
Get stuff ready for work tomorrow 
Tidy upstairs 
Load stuff in the car for the skip 

Wednesday 
Doctors appointment 
Work 
Skip run 
Read for 30 minutes 
Do 5 surveys 

Thursday 
Skip run 
Surveys 

Friday 
Load car for skip run on Saturday 
Surveys 

Saturday 
Skip run 
Surveys 

Sunday 
Skip run 
Surveys 

mumof3.12kindebt

Morning my beautiful diary friends. 
I hope you are all well. I want to get the house sorted today and over the next few days, ready to start the new year how we intend to continue.
I have a few jobs to do which means I need to use the car but its very icy so I'm not going to risk it. 
I have my follow up app tomorrow about a mark on my face. 🤞 he won't have to do a referral. 
Also have work tomorrow. 

I have my list ready written out so I can avoid the temptation to use my phone. I'll update later with how I get on 

Have a good day everyone xx
Eta - 3pm 
Withdrawn the money for food, bacci  and petrol for December.  

Spent £19.92  today at mr t (milk bread etc) 

Took the cardboard to Mr t recycling 

Got a few things done round the house. 
I think we are going for a walk this afternoon ds2 wants to take his bike out that he got for his birthday in November. 

Updated paper diary (its one that begins in sept and ends in aug) I'm not going to replace it in aug 2021 ill just get a note pad to list my to do list and I'll continue to use the calendar on the wall that was sent through the post from one of the local churches and my phone. 

I get paid every 4 weeks in my current job. But as my pay has been so low due to sick pay etc it doesn't really feel like an extra pay. Anyway ill put whatever the pay is to pay a chunk off very and use £50 of it too put towards Xmas and birthday.  
Sil birthday and brothers birthday and ds2 birthday this month so unfortunately this month non of it will go towards Xmas 2021. 

We will have money left over from this month's food budget so I'll put that in the tin today and leave £5 in the change jar as a just incase 

Money has been transferred for tv licence (we pay yearly) 

Nothing else to update on atm 

Hope you are all having a great day 

mumof3.12kindebt

Eta . Frugal thought ..  ill save envelopes and post that doesn't need to be kept that is blank on the back for my shopping list and to do lists 🙃