We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
“Debt is normal. Be weird.”
Options
Comments
-
So, it's only 11.30 and I'm already knackered! Feel like it's been quite a productive morning though - sent kids off to school, put away all the laundry I washed yesterday, have washed and hung out another load of stuff for DH's work, unloaded the dishwasher, cleaned the kitchen, fed the pets and made the beds. I do feel as though that's enough physical effort for the day! I think the rest of my day until the kids get home is going to be organising things that I can do whilst sitting down with a cuppa
Have spent £17 today to top up kids school dinner accounts and also pay for a charity dress-up day they have on Friday. Thought I was going to have to buy a birthday present for DD3's friend as she came back with an invitation yesterday, but I've found a couple of things stashed in my present box that I had previously bought in The Works' sale which I can use (I think they cost me about £3 total!).
DH has also been finding ways to help. He was on the phone to EE yesterday for ages to get a better deal on his phone contract. He currently pays £75 monthly for his personal and work phones, plus DD1 and DD2's SIM only plans. Ended up getting £10 knocked off with upgrades to unlimited data on all the SIM cards, plus a free tablet AND he's also arranged to switch our broadband to them for £1 a month more than we were paying Sky, but with much faster download speeds and with them covering the cost of our cancellation fee! I know it's not a huge monthly saving, but I'm going with the "every little helps" theory
Whilst DH was busy with EE, I found that I can also update my phone contract. The cheapest device and SIM plan I can find with enough data is £13 monthly, which is actually £5 cheaper than what I pay now! I'd be tempted by a SIM only plan if it wasn't for the fact that the screen on my current phone has been cracked for the last 6 months
Am going to try and get some surveys done this afternoon so I can cash out more to put in the holiday pot. Not planning on any breaks away for the rest of the year in view of baby arriving, but always good to get a start on next year's plans!
Beware of little expenses. A small leak will sink a great ship.
Debt at highest = £62,842.59 (Dec 2018) - now £41,447.53 (14.07.25)Mortgage start Dec 2024 £247,069.59 - now £243,955.28Mortgage overpayment total = £300Emergency fund £1000/£20000 -
Did not start off today as I'd hoped. Got out of bed and my SPD was so bad that I could barely walk! Had to shout to DH to help me make it to the bathroom - made me feel like an old woman! As a result, I've spent my morning sat down and being waited on (just as well that DH is working from home today). I know I shouldn't really complain, but I seem to be in serious nesting mode and not being able to get stuff done is really irritating me
Have had the time instead this morning to go over spreadsheets and plans for the next month ahead of payday. I've also completed a meal plan and shopping list for the main food shop tomorrow. Am aiming for a spend of less than £100, which is hopefully achievable with the 10% off coupon I have for L!dl. Our food and fuel budget for the month was recently increased to £1000 from £800 due to DH's longer commute and the increasing cost of food, but I'm hoping I can be a fair bit under this next month in order to claw back some money that can instead be put on the 0% CC while it's still at 0%!
Going to see if the pain has settled down enough this afternoon in order to get some organising done in the garage (there are still some unpacked boxes from the move). As I'm out tomorrow for a midwife visit and shopping, I'd like to make the most of the fuel expended and get some more bits to the charity shop. I'm trying very hard to have every room decluttered before baby arrives, if only to make room for baby stuff - I'd forgotten how much it seems to take over the whole house!
Beware of little expenses. A small leak will sink a great ship.
Debt at highest = £62,842.59 (Dec 2018) - now £41,447.53 (14.07.25)Mortgage start Dec 2024 £247,069.59 - now £243,955.28Mortgage overpayment total = £300Emergency fund £1000/£20001 -
Sorry to hear about the SPD. It can be so painful.
I was shocked at the price of fuel today!Nov/Dec 24 £39 564
July 25 £34 5311
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 350.8K Banking & Borrowing
- 253K Reduce Debt & Boost Income
- 453.5K Spending & Discounts
- 243.8K Work, Benefits & Business
- 598.6K Mortgages, Homes & Bills
- 176.8K Life & Family
- 257.1K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards