Trying to keep on top of it all.Busy,crazy ,life!

Catty89

If I could choose any I'd choose asd*, but my problem there is I always end up buying things that aren't food haha, so usually going there is now a treat as I can't stick to the food section. I might actually try online after, iv 3 weeks worth of cash out (which iv noe realised can be a pain with covid lots of card only tills) 
I really like it there for kids clothes but we only have one in the town centre so I only go in a few times a year. 

savingholmes

I nipped in Mr A today and spent £33. I didn't need it so why? Bang head moment. I did get food that should too me up for a couple of weeks but probably only need half.

joedenise

As long as it's stuff you will use over the next couple of weeks I wouldn't worry too much - the prices may well be higher next week!

savingholmes

joedenise said:

As long as it's stuff you will use over the next couple of weeks I wouldn't worry too much - the prices may well be higher next week!

A positive way of looking at it

Catty89

My daughter has ended up with shingles, she's very young to have it but luckily I had my first positive gp experiance since covid began so putting my faith back in the NHS (a tiny bit) she was up alot last night which led me onto matalan got them some Xmas pressies - not exciting an outfit, slippers and trainers  each but got £3.80 Cashback on a £40 sale so that that was good plus all good prices. 

Catty89

Not much happening here, the cash envelopes have worked pretty well, made me more accountable of what I was spending and when I could start using my next week's worth of money. However didn't find cash easy for everything so not sure if I would continue it fully in cash or do a mix of both.
 Been a bit if a boring month now I'm more aware of my spending it's maybe me a bit grippy aswell not sure if it's a good thing or not. 
Things like children in need I'm refusing to buy them all a new outfit for one day would rather just give them the money! 

savingholmes

Sorry your DD has been unwell. Hope she's better now. 
Sympathise on the school fund requests - they can be irritating - especially when they all come at once

Catty89

So this mornings thoughts...I really want to go to Florida before my oldest child is in academy or at least a decent holiday, with covid we've only been when they were toddlers ( 8 currently) soooo..... After Xmas my plan was to try and get my loan payed much quicker I worked out if pay £715 per month rather than £415 it would be payed in 2 years and actually probably before that as would be less interest.... No idea how I would do that but worth a try, definately wouldn't go a big holiday knowing I'm in so much debt but maybe would give me the push to get it sorted quicker and a goal is i I really want to take them away but without knowing I'm in debt because of it haha. 

savingholmes

It's good to have a dream if it helps pull you forward - but not if it drags you into repeat debt. I hope you find some options to help you meet both goals.

Catty89

Hope everyone had a nice Christmas! I did spend alot but stuck to budget for everyone and didn't get into any debt everything was payed for with money I had so that's always a nice feeling
Iv done a little sale shopping, didn't find a heap tbh but got 3 presents for my daughter's birthday (not until June) I know she will still like them by then was was 55-60 and I seen it for £25. I then got the kids 2 pairs of pjamas each for next Xmas which were a ridiculous price so I'm happy with that little bit of sales shopping.

Going into 2022 with £16002 to pay from our main loan. Still seems alot and at times is quite disheartening but keep reminding myself iv paid of £8000 which is still alot of money.

OH got a £2000 bonus at Xmas so we are going to get new kitchen/living room doors, painting the living room, blind and get the kids bedrooms done. They've never had new carpets or got to choose decoration so I'm really looking forward to that, hoping we can still out away £1000 from that but all depends how much the doors and fitting are. 

Other good news I have had my contract at work redone so I now am 25 hours term time contract. I was 14.5 hours before but did overtime but this works alot better as get paid equally throughout the year.