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

mumof3.12kindebt

Good evening everyone. 
I've put the seeds out of the pepper i chopped for dinner to soak. Ill then dry them and save them to plant in a few months.

I'm happy with what I got done today. Still alot more to do until I'll be happy with the house. My focus in January is definitely to get the house decluttered and organised. I need to try and source some storage boxes. I've looked on fb but people seem to sell them at the same price they are new so I might end up doing an order on IKEA. I've saved as many of the cardboard boxes i can from Christmas 🎄. 

I'll try to rack my brain .. ideas are welcome and very much appreciated 😀 

Dinner is cooking. Using up sausages that go out of date today and potatoes and salad (all stuff that needs using up) 


When can I plant potatoes ? 

I have saved gift bags for next year and cards for tags next year. 

5 frugal things I did today (or cheap whichever way you want to look at it lol) 

1. Used up food for dinner that was on its way to the bin (apart from the sausages that were im date until today) 

2. Saved gift bags from Xmas for next year and Xmas cards for tags 

3. Used the airer instead of the tumble dryer 

4. Saved my pepper seeds.

5. Also I'm going to leave the oven open when dinner is finished to warm the kitchen up and help my washing dry 🙃 

Anyone save wrapping paper to use next year or is that just ott  lol ? 


Also I've got a nice little routine now of how I wash dishes so I don't have to empty the water and refill (because the waters got really dirty) I start with the cleaner stuff and the dirtiest stuff gets done last. 


Right off to serve dinner bath the 2 little ones  bedtime story . Get them to bed and then I'm hoping to read for half an hour 🙃 

mumtoomany

Hi, mumof3. I don't think you need to soak the pepper seeds. I just put them to dry on apiece of kitchen/toilet paper. Then put them, once dry, into an old envelope. Tomato seeds the same. HTH mumtoomany.

mumof3.12kindebt

I've wrote a list this evening of the 15 books I want to read . I've already started one . 3 of them I don't have and aren't available for free so I'm hoping someone i know might have a copy i can read and give back or i can find them at the library when it reopens. Failing that I'll pick out different ones that are available for free. 
Here is my list 

1. Confessions of a bad mother - Stephanie calman 

2. The life of a slummy mummy - fiona  Neill 

3. The unmumsy mum- geovinna fletcher 

4. Who's that girl - mhairi  Mcfarlane  - kindle (brought earlier this year) 

5. The bad mothers diary - on kindle library (prime reading)

6. Fat girl slim - on kindle library (prime reading) 

7.  Spark Joy - Marie kondo (library ebook) 

8. The second wife - have paper copy 

9. The giver of stars - have paper copy 

10. The life changing magic of tidying up (library ebook) 

11. No fixed address (library ebook) 

12. My brothers name is Jessica (library ebook) 

13. Under the duvet (library ebook) 

mumof3.12kindebt

Morning my beautiful diary friends 

I updated tax credits the other day with my new reduced ours and income and consequently our tax credits have reduced by over £200 a month. So I have now updated our budget accordingly this means our debt repayment amount has reduced by over £200 a month also. So now really need to try and make as much extra income i can until i can physically work more hours. Or I need to find a second income stream. 

So here is our new budget (i will update budget on the first page also) 

	budgeted amount
nationwide account
loan	159.53
union income benifit	14.92
home insurance	22.46
mortage	451.16
british gas services	2.5
water	54.13
electric and water british gas	114.02
powys cc - council tax	151
union	9.49
national trust membership	11.15
giff gaff me	6
fortis debt	50
amazon prime	7.99
giff gaff DS1	6
insurance for me	28
total	1092.35
lloyds account
food	300
tobbaco	120
petrol	140
total	560
tins
holiday	0
sinking funds	100
emergancy fund / car fund	100
kids pocket money	30
christmas	50
total	280
non dd bills
very catalogue	235
help to save	50
total	285
overall total	2217.35
income	2217.8

mumof3.12kindebt

I'm also going to really try hard at quitting smoking. I'm not going to set a date because that stresses me out and I end up not giving up. Ill just decide at some point enough is enough and do it 

On the plus side. We will get an extra payment due to the adjustment tomorrow (which actually works out alot more than our monthly amount we will receive. So tomorrow I will make a payment to very. 

Also I get paid 4 weekly and all our benefits are paid 4 weekly which means every year we actually get 13 payments. I have noted in the calendar the months we get 2 payments of something and the 2nd payment will go straight to debt or savings. 

We have cash in a tin here at home. It consists of extra money made , money left over from food etc. If I can get enough in there I will use this money to cover Xmas and the money we save regularly for Xmas I will again use for an  extra payment to debt. 

Basically everything after our outgoings is being thrown at debt or savings 🙃 

Eta 11.05am 
I have sorted the money in the tin. I have enough to cover ds2 birthday £50 , dd birthday £50  , half of ds1 Xmas £50. I've already sorted ds1 birthday present. So thats our kids birthday presents covered for 2021. Just there Xmas present money to save up and for other family members Christmas and birthday presents. And DPs Xmas and birthday present 

mumof3.12kindebt

I've got to be honest I'm so glad I have a plan in place for the coming year. I feel less stressed about our financial situation now than I did at the beginning of Dec 

mumof3.12kindebt

mumtoomany said:

Hi, mumof3. I don't think you need to soak the pepper seeds. I just put them to dry on apiece of kitchen/toilet paper. Then put them, once dry, into an old envelope. Tomato seeds the same. HTH mumtoomany.

Ah thank you ! I will do this today hope you are keeping well @mumtoomany

mumof3.12kindebt

Shuffled some money about and made another payment to very bringing the total paid this month too £69.64p 

I'll make another payment tomorrow when we get the tax credit payment and my wages (second pay this month) 

Bluegreen143

Just found and followed your diary! You sound really determined and ready to succeed with your goals in 2021. Good luck to you ❤️

mumtoomany

Hi mumof3, we are all well thanks, had a quiet Christmas, due to lockdown, only 9 of us for Christmas dinner. So loads of food left, will be a very small food bill in January. mumtoomany