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

mumof3.12kindebt

Total debt currently 

Housing association £1591 
Credit card £237.85
Loan £9440 
Very £736 

Total £12,004.85p

mumof3.12kindebt

Morning my beautiful diary friends. 
Hope you are all well. 

I can't believe it's the end of September! 

I haven't managed to hit my target for make £30 a day in September but I am only £13.77 off the target of £900 ! So I'm chuffed to be honest.

Really going to give it my all again in October to make as much as I can selling stuff and overtime at work.. 

Will list my target for October shortly 

mumtoomany

Instead of saying I've not made my target of £900, say "I've made £886.23, go me!!!" Brilliant amount to make on top of working full time and caring for 3 children. Well done! Mumtoomany.

mumof3.12kindebt

So true @mumtoomany ! Thank you
 

mumof3.12kindebt

Morning my beautiful diary friends i hope you are all well. 

Can't believe it's the 1st of October. 

I'm doing the make £15 a day challenge again this month but aiming for £30 a day so the goal is £930 for October. 

Apparently there will be an Increase in energy prices so no better time to try and reduce our electric and gas usage. So that will be out next goal. 

I aim to only have 10 spend days in October. 

I also want to limit my car usage as much as possible. 

And I'm going to switch mine and my sons and possibly my partners phone provider. I have found a better deal and as we only do 'top up' we can switch as we please because we aren't on rolling contracts.  


Eta I've just requested a new sim card. It's £3 a month for 3 months and then £6 a month. Sons should be £2.70 a month then £5.40 a month as it gives you 10% off for each person you have on your plan. 
It's with smarty  and I have a referral link which will give the person I refer and myself a free month if anyone is interested and wants a referral link let me know 😀

mumof3.12kindebt

Morning my beautiful diary friends I hope you are all well.

I was up nice and early this morning.
I have  a huge list of things to get done today so I need to get cracking. 

I've split the list into 3 to do today, this week and by the end of the month  I've got 6 hours till we will be picking the kids up. So let's see what I can get done 

WinterWarrior

Good morning. You sound very organised today 😁

mumof3.12kindebt

Morning all 
I got a few things crossed off my list the other day. 

I have some more stuff today but I'm just aiming for the daily stuff and going to list stuff for sale. 

Like I've said on previous posts it's a win win.  Makes some money and it's less stuff to clean and organise. 

I have about 3 hours of listing time available so I'm aiming for at least 12 items. 

mumof3.12kindebt

Morning my beautiful diary friends, i hope you are all well. Hugs and love to all that need it. 

So it's 8 days into this month and I have hit my make £30 extra a day challenge.

This is made up of 

Work overtime 

Selling stuff online 

Tax rebate (which I wasn't expecting at all) 

And the government payment through work for working in healthcare during covid. (I didn't receive the last one as I worked in England but lived in Wales.) But I got this one as I was working in Wales 😀 although once tax was taken I think I got about £200 instead of the £500 that it should of been after tax, but i am very greatful for it 🙏 

I also have done surveys. 

I will continue though to see how much extra I can add to it. 

I'm also hoping to slash 12 months off our original debt free date goal of July 2023. The scary thing is the original term for our big loan was 83 months. And we have had it 16 months so far. 

The scarier thing is we are nearly at the end of the year! 

Let's hope we can get some more of this debt shifted so we can hit our new debt free goal. 

And stuff out the house so I can start January as I mean to go on 

mumof3.12kindebt

Evening all 

Ordered some flowers to be sent to my grandma, I try and do this once a month. Just to let her know we love her ❤  


Did a food shop. £57 
Washing is upto date. 
Everything is ready for school and work tomorrow. 

Other than food shop nothing spent this weekend