Jak's 'I will not spend any money on rubbish and I will pay off my debts' diary

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  • KarmacatKarmacat Forumite
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    Are there any forums online, any knowledge base you can tap into?
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
    Not counting this! 2020
    Garden fencing completed, woohoo 2021..........
    October 2021: aiming for £5,000 new money for premium bonds or a car.
  • jakjak Forumite
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    I've had a look but I can't seem to get any sense out of any of them. The home office page we usually look at has been changed so all the info is different! As our case is 'specific' we can only wait and see. Bl**dy rubbish but what can you do?
    Our next appointment is on 6th June so it's just a matter of waiting to see what the outcome is...I worked out the finance side of things as best I could last night and if we really save HARD after debt is paid off, we should be able to pay for expenses up to £500 with cash rather than getting back into debt again so hopefully it won't be more than that, that's if we have to appeal. If he has to go back to NZ then obviously that won't begin to cover it but hopefully he won't.
    I have to say, the home office website is as clear as mud....
    Anyway, rant over...Off to buy some driend apricots and ice lollys...I ate 22 the other day...ummmmm must be the baby????? He likes them:)
    J
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    2022 Comp total (prizes + free spins): £494.81 #20 £12 a day Jan: £382.95/£372 #57 360 1p challenge: Jan £4.66£10 a day Feb: £25.97/£280
  • jakjak Forumite
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    Ok today's debt dsorting out is as follows:
    -ordered credit card pin for use next month- will pay off in full. I plan to put food shopping on CC only for the first month till I get used to using it again in a SENSIBLE manner!!!! Will pay off in full and get some airmiles.
    -Picked up an extra shift with work next week- means an extra £25 off my CC!
    -My boss owes me £56, so will pay £26.90 into dh current account to cover cheques going out and £29.10 into joint savings which will bring our total to just over £100. I realise people will think we are craqzy doing it this way but this is our holiday spending money for next November. If we don't manage to save the right amount each month, we can't go! And we will need a holiday by then I tell you! Plus the baby's christening money too!
    -Got some conditioner for 74p in Tescos, Vo5.
    -Got £1 off dolmio sauce online voucher, spent it in Tescos so got the sauce for 49p.
    -Also in Tesocs, bought some newborn nappies, used voucher for £1 off, also got pampers wipes 50p off. Total spend £5.89 and got 333 in clubcard points, worth £13.32 in clubcard deals! So well chuffed. THe Tesco [arenting club is ace for point boosting! Am putting all points towards Christmas and hopefully celebrating for free!
    Tesco points are going towards driving lessons for dh for when he gets his visa sorted (hopefully) or tickets to see a show for dh and myself...we'll have to see how many we get first!
    -Put a handful of prrige oats in our spag bol sauce today. Not onyl was it yum, but dh loved it and said it was really nice! HeHEHE! He'd freak if he knew!!!!
    -Paid £10 off my credit card today! It all helps!
    2022 Comp total (prizes + free spins): £494.81 #20 £12 a day Jan: £382.95/£372 #57 360 1p challenge: Jan £4.66£10 a day Feb: £25.97/£280
  • KarmacatKarmacat Forumite
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    I love what you're doing with the oats! And you're shopping sensibly,well done you. You know, if you *can* use a credit card well, i.e. pay it off in full every month, it is best to use it - airmiles etc, it all adds up.

    Have a good day! Take care of that baby!
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
    Not counting this! 2020
    Garden fencing completed, woohoo 2021..........
    October 2021: aiming for £5,000 new money for premium bonds or a car.
  • jakjak Forumite
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    OK it's been a quiet day on the MS front as i've been asleep all day, worked nights! 2 weeks to go then on mat. leave thank god!!!!
    Last night from work I signed up to Lovefilm via quidco, 2 week free trial and they have sent me 3 new releases! Wooo Hoooo. We would've rented these anyway so a definate saving there- plus my £15.50 is tracking so that's nearly £50 in Quidco now for Christmas.
    I had a bit of a paddy (hormonal moment) earlier and acussed dh of eating all the cheese and not leaving me any- he didn't eat all of it but in my defence, yesterday for lunch he had, 6 pitta bread with cheese, left over cottage pie, and 2 tins of tuna! He thinks i'm being tight when I moan at him, but honestly! That is ridiculous!!!! Unfortunately, he had come home from work wagging his tail because he'd picked up an extra shift for next week and he thought i'd be really happy. Now I feel awful! He also brought home a massive cod his friend had caught- so we're having that for a special dinner tomorrow and hopefully watching a free DVD if they arrive by then I really hope they do....
    Now the connundrum of over time comes up...dh will earn another £70 approx for the extra shift, plus loose a day off. He wants Prison Break Season 3 (he got season 2 beginning of the month) BUT i need stuff like nighties to wear in hospital, tens hire (poss- still thinking about this), nursing bras etc. and i'm not sure where the money is going to come from for this stuff! We have got a clothing budget but it's only for £20 pcm and doesn't come into effect until next month. I also want to stock up on toiletries like conditioner, toothpaste,razors etc. so after the baby's born I don't need to faff about too much with shopping and can just concentrate on the baby. However, it doesn't seem very fair that he does extra work and doesn't get rewarded for it. Hummmmmmm. Maybe he could have some spends or something. Not sure.
    I must say tho, I got annoyed today thinking about his DVD he bought and what we could've used the money for instead! I can't seem to make up my mind. It isn't much of an incentive for him to work extra if he never gets anything, but saying that, I never buy myself anything AND i'm in sole charge of the finances, which is really hard work.
    2022 Comp total (prizes + free spins): £494.81 #20 £12 a day Jan: £382.95/£372 #57 360 1p challenge: Jan £4.66£10 a day Feb: £25.97/£280
  • jakjak Forumite
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    I don't know. I'll have to talk to him and see. The thing is, sometimes I feel like he's trying to help save money and stuff and others he isn't bothered. THe other day I said would he like to look at his bank statements online and he said no could I do it?! I want him to take more of an interest, otherwise it'll only be me who (hopefully) learns from our debt mistakes and he'll be like I was 4 years ago still. NOT a recipe for a harmonious marriage!
    Any thoughts on how to get him interested? He likes the quidco free dvd thing, maybe we could do a few more of those?
    Any ideas would be greatly appreciated.

    Epic-ly long diary entry. Ohhhhhhhhh I feel much better now i've had a rant!
    J
    X
    2022 Comp total (prizes + free spins): £494.81 #20 £12 a day Jan: £382.95/£372 #57 360 1p challenge: Jan £4.66£10 a day Feb: £25.97/£280
  • Wanna_Bee_FreeWanna_Bee_Free Forumite
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    Just read your diary in one go - Well done you!!

    Popped in to say I wanted to buy myself the next DVD series I wanted and have come up with a compromise to sell the previous one on ebay and put the money towards it. Guess he will feel more like doing extra shifts if there is at least something in it for him anyway.

    Take care,

    Bee
  • jakjak Forumite
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    Thanks Bee,
    that's what I figured too. Maybe I could order it for him as a treat kind of thing to say thanks for working so hard. Good idea to sell the old one..but alas, he LOVES his DVDs and keeps them forever! I'll have to think about it. Thanks for your advice.
    J
    X
    2022 Comp total (prizes + free spins): £494.81 #20 £12 a day Jan: £382.95/£372 #57 360 1p challenge: Jan £4.66£10 a day Feb: £25.97/£280
  • Hi Jak

    Just wanted to say that I admire your commitment to it all.

    Well done you :beer:
  • jakjak Forumite
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    Thankz. I'm trying. It's taken me a while to get on track and STAY on track so i'm throwing myself into it now! I appreciate the support
    J
    X
    2022 Comp total (prizes + free spins): £494.81 #20 £12 a day Jan: £382.95/£372 #57 360 1p challenge: Jan £4.66£10 a day Feb: £25.97/£280
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