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  • FIRST POST
    • Alice in Poorland
    • By Alice in Poorland 6th Nov 11, 8:50 PM
    • 2,213Posts
    • 7,833Thanks
    Alice in Poorland
    We are about to pull the purse strings soooo tight!
    • #1
    • 6th Nov 11, 8:50 PM
    We are about to pull the purse strings soooo tight! 6th Nov 11 at 8:50 PM
    Hi All,

    Like a lot of people on here I have been lurking on this site as a watcher for a number of years and during this time I have also watched our finances spiral out of control. Today I have had my LBM and oh boy could I cry.

    I have just done our SOA (which I will post once I've got all the info present and correct). Without the morgage I think we owe approx 30K, we've run out of money this week and have still got to pay out 350 before Thursday (all direct debits), this shortfall has been caused by my OH changing to weekly pay and all the bills come out in the first week on the month (well partly, the other reason is just that we owe so much). Will ask the bank tomorrow for an extension to the overdraft.......I can hear the 'I don't think so' all ready.

    Everthing is such a mess, our finances have spiralled out of control, I'm such a mess (could do with a complete makeover and dramatic weight loss), I can't keep up with the housework, the garden, the kids, Oh and I work full time too.

    I am truly hoping that we can get back on the straight and narrow and sort out our money problems. Then I will hopefully feel that everything else that needs sorting easier to tackle.

    Apologies for rambling on, I'm just feeling very alone and like a complete failure at the moment.
Page 159
    • Alice in Poorland
    • By Alice in Poorland 11th Feb 18, 11:55 AM
    • 2,213 Posts
    • 7,833 Thanks
    Alice in Poorland
    Thank you debtaghh. It doesn't seem that long ago we had 80K left to pay. All going in the right direction.

    It's a great pegging out day out there folks. I've got 3 loads out on the line, towels, sheets and two big coats all drying nicely. Love it.

    I've done the meter readings, we are -66.27. I knew we had had the heating on a lot more. Although our DL is family I don't want him to feel uncomfortable......our own kids love it. Lol. (Don't have it on excessively but just a bit extra )

    Got the windows open, a lovely fresh breeze coming through. Homework done (phew!), half way through the housework.

    Yesterday we spent 81 on food and pet stuff. We've been buying the cat litter in bulk. I think it's been helping to save some money. Also purchased some photo frames and a picture. Spent 13. Spent 2 at sports club.

    Xx
    DMP with CCCS started Jan'12 - 34,906 Jan'13 - 31,893 Jan'14 - 26,836 Jan'15 - 21,894 Jan'16 - 16,839 Jan'17 14,415 Jan'18 12,938ish! Self managed from Jan'17
    Jan 18- Bcard 1 1126,Bcard 2 4775,Bcard loan 230, C@ptl 2565 ,Ybank 3595,Virgin/MBNA 326 YB1 0, S@ntader 321
    DFD - Jan 2027 Nov 2018 Jan 2019 - DFD not sure at the minute!
    • Alice in Poorland
    • By Alice in Poorland 14th Feb 18, 7:46 AM
    • 2,213 Posts
    • 7,833 Thanks
    Alice in Poorland
    Does anyone else have trouble logging in to this site.......or is it just me. I keep get a message to say my password has expired...hmmmm.

    Upto 4 NSDs.

    We have 10 in our EF, and 43 left in the bank.......how scary is that? The first 2 weeks of the month are always terrible for us financially but hopefully now I'm back on track we can get the EF to look healthier and stay on track.

    Happy Valentines Day everyone.

    Xx
    DMP with CCCS started Jan'12 - 34,906 Jan'13 - 31,893 Jan'14 - 26,836 Jan'15 - 21,894 Jan'16 - 16,839 Jan'17 14,415 Jan'18 12,938ish! Self managed from Jan'17
    Jan 18- Bcard 1 1126,Bcard 2 4775,Bcard loan 230, C@ptl 2565 ,Ybank 3595,Virgin/MBNA 326 YB1 0, S@ntader 321
    DFD - Jan 2027 Nov 2018 Jan 2019 - DFD not sure at the minute!
    • Alice in Poorland
    • By Alice in Poorland 15th Feb 18, 11:23 AM
    • 2,213 Posts
    • 7,833 Thanks
    Alice in Poorland
    OH's payday today.. Have transferred 50 into the EF.

    Need to do a little top up shop tonight. We've paid our works lottery today, So will stay on 4 NSDs.

    We're trying to educate DS2 about managing his money. Now I know we haven't been the best in dealing with our finances, but we are trying now. He has a Sunday job and is able to pick up extra hours in the school holidays etc. He got quite a bit of cash Christmas and his birthday but he just doesn't seem to be able to manage it properly. If he goes out with his friends he's like Rockafeller dishing out the cash, paying for everything, buying clothes that he doesn't need. I know he likes to look smart and on trend but how can I explain that he has enough black jeans, enough polo tops?? He just seems to squander it. He has a current account and a savings account, but he can easily transfer from one to the other on his mobile. He never opens his bank statements. He's doesn't have an overdraft on his account so he can't fall down that slippery slope. I've printed the Martin Lewis student money info, but that doesn't seem to have had an impact. I just worry that when he goes to uni or earns more money he won't be able to budget.

    Half term next week, will need to pay 40-50 on childcare for DS3.

    Hope youve all got some sunshine.

    Xx
    DMP with CCCS started Jan'12 - 34,906 Jan'13 - 31,893 Jan'14 - 26,836 Jan'15 - 21,894 Jan'16 - 16,839 Jan'17 14,415 Jan'18 12,938ish! Self managed from Jan'17
    Jan 18- Bcard 1 1126,Bcard 2 4775,Bcard loan 230, C@ptl 2565 ,Ybank 3595,Virgin/MBNA 326 YB1 0, S@ntader 321
    DFD - Jan 2027 Nov 2018 Jan 2019 - DFD not sure at the minute!
    • Alice in Poorland
    • By Alice in Poorland 19th Feb 18, 7:46 AM
    • 2,213 Posts
    • 7,833 Thanks
    Alice in Poorland
    Half term this week so no dreaded lunch boxes for the kids.

    We've had a really spendy weekend. We took out 50 cash on Friday, and another 70 cash on Saturday. We went out on Friday night, had fast food on the way back from footie on Saturday, and the whole family went for a meal yesterday (family birthday celebrations).

    I called into supermarket yesterday, spent 30, and had to get more petrol 30. Also purchased two birthday presents 9 and 10 each.

    So there it is, all laid bare. Spend spend spend.

    OH needs money to play squash tonight, and I'll have to pay for childcare later in the week.

    After all the spends and mobile direct debits have gone out of the account, we had 28 left. I've just transferred 40 from the EF back into the account. Not to spend but just incase my calculations are wrong.

    I'm off work today, and the weather is pants. Think we'll do a bit of sorting out in DS3s bedroom. Also I have quite a bit to load on fleabay.

    Xx
    DMP with CCCS started Jan'12 - 34,906 Jan'13 - 31,893 Jan'14 - 26,836 Jan'15 - 21,894 Jan'16 - 16,839 Jan'17 14,415 Jan'18 12,938ish! Self managed from Jan'17
    Jan 18- Bcard 1 1126,Bcard 2 4775,Bcard loan 230, C@ptl 2565 ,Ybank 3595,Virgin/MBNA 326 YB1 0, S@ntader 321
    DFD - Jan 2027 Nov 2018 Jan 2019 - DFD not sure at the minute!
    • Alice in Poorland
    • By Alice in Poorland 24th Feb 18, 8:45 PM
    • 2,213 Posts
    • 7,833 Thanks
    Alice in Poorland
    Can't believe it is Saturday night already. No footie today, cancelled due to the pitch being frozen.

    We've had a bit of a stressful couple of days with DL and family. This has resulted in a few a extra spends. I ended up taking an extra day off work but still sending DS3 to holiday club.

    Only had 5 NSDs so far this month. Spent 43 in @ldi on Thursday and 38 in sburys today. We've spent 55 on petrol this week.....(loads of extra travelling).

    PRA keep calling again. I know they are after both me and OH. When I did finally answer the house phone to tell them we will communicate by letter only, they told me if we didn't reply to their letter they will start calling.....and they have. I really must write to them this week.

    I have got loads of stuff to put on fleabay. Has anybody tried depop? I wonder that as its mainly clothes would I be better trying to sell on that site instead of fleabay.

    March is a really expensive month for us with loads of birthdays, and my friend has just had a little boy so really need to find a gift for him. It's her third boy and he already has lots of hand-me-downs so looking for something practical and unique.......if there is such a thing.

    Having a chill out tonight and a glass of vino. Will sort the house and washing tomorrow.

    Xx
    DMP with CCCS started Jan'12 - 34,906 Jan'13 - 31,893 Jan'14 - 26,836 Jan'15 - 21,894 Jan'16 - 16,839 Jan'17 14,415 Jan'18 12,938ish! Self managed from Jan'17
    Jan 18- Bcard 1 1126,Bcard 2 4775,Bcard loan 230, C@ptl 2565 ,Ybank 3595,Virgin/MBNA 326 YB1 0, S@ntader 321
    DFD - Jan 2027 Nov 2018 Jan 2019 - DFD not sure at the minute!
    • Eager_Elephant
    • By Eager_Elephant 25th Feb 18, 8:48 AM
    • 4,336 Posts
    • 24,424 Thanks
    Eager_Elephant

    March is a really expensive month for us with loads of birthdays, and my friend has just had a little boy so really need to find a gift for him. It's her third boy and he already has lots of hand-me-downs so looking for something practical and unique.......if there is such a thing.

    Xx
    Originally posted by Alice in Poorland
    I have purchased from Not On The High Street for unique gifts.

    We had a christening of a little boy when he was a few months old and we got this book - https://www.notonthehighstreet.com/wonderbly/product/a-magical-personalised-book-like-no-other
    They also personalise the picture of the boy to the right skin tone and hair colour.
    Ninja Saving Turtle No. 34 for April
    NSD - 0/15
    (up to 2/4/18)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • Alice in Poorland
    • By Alice in Poorland 25th Feb 18, 8:55 AM
    • 2,213 Posts
    • 7,833 Thanks
    Alice in Poorland
    It's a bit fresh out there this morning! I've done the meter readings and we have used 67 worth of gas/elec....we are now -133. Next payment due on Wednesday, we will still be in the red but hopefully it won't be long until we can leave the heating off. :-)

    I've also updated budget, and done meal plan. Which is a bit backwards as I did another shop yesterday. DS has a voucher that he's going to spend this morning. Whilst we are out I'm going to look for some breakfast bowls as we keep running out.

    Although we have sunshine I'm not sure about pegging out. I think it will freeze on the line.

    Xx
    DMP with CCCS started Jan'12 - 34,906 Jan'13 - 31,893 Jan'14 - 26,836 Jan'15 - 21,894 Jan'16 - 16,839 Jan'17 14,415 Jan'18 12,938ish! Self managed from Jan'17
    Jan 18- Bcard 1 1126,Bcard 2 4775,Bcard loan 230, C@ptl 2565 ,Ybank 3595,Virgin/MBNA 326 YB1 0, S@ntader 321
    DFD - Jan 2027 Nov 2018 Jan 2019 - DFD not sure at the minute!
    • brizzledfw
    • By brizzledfw 25th Feb 18, 9:06 AM
    • 7,275 Posts
    • 35,693 Thanks
    brizzledfw
    Sorry it!!!8217;s been a speedy time Alice, but it!!!8217;s the way it rolls sometimes. Family stuff will always come up, especially with DL. Basically the main thing is that it!!!8217;s all heading in the right direction.

    It is turning cold. I also cranked up the heating.. I am starting to also set aside money for a boiler replacement. Ours is 16 years old. Doing OK, serviced every year but even so....
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 25/500 NSDs Target 10 for March 02/10 Trying to be a Frugalista
    • Spendless
    • By Spendless 25th Feb 18, 11:07 AM
    • 20,063 Posts
    • 33,113 Thanks
    Spendless
    Feel your pain with expensive March, Alice. We have 6 family birthdays in it, inc my 2 kids (one is 18 this year) and my twin Neice and Nephew, all them plus 3 x mother day presents coming out of the household income makes a dent.

    My DS is also hoping to go to Uni this year and I'm worried about him and cash too, though not in the same way as yours. Mine isn't working and I'm worried about him budgeting and managing his money.

    We have a brighter day here than you've described, so will think of you if we peg out xx
    • Eager_Elephant
    • By Eager_Elephant 26th Feb 18, 6:53 AM
    • 4,336 Posts
    • 24,424 Thanks
    Eager_Elephant
    My son went to Uni Sep 16 and I was worried about how he would cope, fortunately he is a saver rather than a spender, and he has done quite well really.

    He doesn't get the full maintenance loan due to our incomes and although what he gets covers his accommodation and a small amount towards his food it is paid 3 times throughout the Uni year and the first 2 instalments didn't cover his accommodation for that term.
    DS works in the summer holidays when he is back from Uni and if he is back in time he does Easter and Xmas as well so these wages are what covered the rest of his accommodation costs and his spending money.

    This year has been tougher than last as he did not work at Xmas so I have had to pay his Xmas money in to his account and he is using this to live on.
    DS knows he can ask us for money when he wants it but so far he hasn't, all my family have also offered him money if he needs it but he hasn't asked them yet either.

    So in a long winded way I would say that if they can have some money to start with before their student finance comes in then at least you know the accommodation is covered for the term.
    Ninja Saving Turtle No. 34 for April
    NSD - 0/15
    (up to 2/4/18)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • Spendless
    • By Spendless 26th Feb 18, 5:22 PM
    • 20,063 Posts
    • 33,113 Thanks
    Spendless
    We are going to pay DS accommodation for him, or at least for the first year, till he finds his feet . He gets the min due to our income (plus DH's company car), and his Uni does offer 3 payment options, in full, over 3 instalments or over 7 months, which must be a help to some in the situation you describe EE. Without us helping out, I doubt he could go. I'm hearing the story time and time again from my friends and family that they've told their child/ren they can only go to a local Uni and commute from home as they can't afford to top up the maintenance loan.
    • Alice in Poorland
    • By Alice in Poorland 26th Feb 18, 9:11 PM
    • 2,213 Posts
    • 7,833 Thanks
    Alice in Poorland
    I have purchased from Not On The High Street for unique gifts.

    We had a christening of a little boy when he was a few months old and we got this book - https://www.notonthehighstreet.com/wonderbly/product/a-magical-personalised-book-like-no-other
    They also personalise the picture of the boy to the right skin tone and hair colour.
    Originally posted by Eager_Elephant

    Hi EE, just missed this post yesterday. That's a fab idea, thank you. They do have some very nice things on that website.

    Xx
    DMP with CCCS started Jan'12 - 34,906 Jan'13 - 31,893 Jan'14 - 26,836 Jan'15 - 21,894 Jan'16 - 16,839 Jan'17 14,415 Jan'18 12,938ish! Self managed from Jan'17
    Jan 18- Bcard 1 1126,Bcard 2 4775,Bcard loan 230, C@ptl 2565 ,Ybank 3595,Virgin/MBNA 326 YB1 0, S@ntader 321
    DFD - Jan 2027 Nov 2018 Jan 2019 - DFD not sure at the minute!
    • Alice in Poorland
    • By Alice in Poorland 26th Feb 18, 9:14 PM
    • 2,213 Posts
    • 7,833 Thanks
    Alice in Poorland
    Sorry it!!!8217;s been a speedy time Alice, but it!!!8217;s the way it rolls sometimes. Family stuff will always come up, especially with DL. Basically the main thing is that it!!!8217;s all heading in the right direction.

    It is turning cold. I also cranked up the heating.. I am starting to also set aside money for a boiler replacement. Ours is 16 years old. Doing OK, serviced every year but even so....
    Originally posted by brizzledfw
    Hi brizzle, feel your pain with the boiler, it's up there on the list of things that need replacing in our house too.

    Just got to keep plodding.

    Xx
    DMP with CCCS started Jan'12 - 34,906 Jan'13 - 31,893 Jan'14 - 26,836 Jan'15 - 21,894 Jan'16 - 16,839 Jan'17 14,415 Jan'18 12,938ish! Self managed from Jan'17
    Jan 18- Bcard 1 1126,Bcard 2 4775,Bcard loan 230, C@ptl 2565 ,Ybank 3595,Virgin/MBNA 326 YB1 0, S@ntader 321
    DFD - Jan 2027 Nov 2018 Jan 2019 - DFD not sure at the minute!
    • Alice in Poorland
    • By Alice in Poorland 26th Feb 18, 9:23 PM
    • 2,213 Posts
    • 7,833 Thanks
    Alice in Poorland
    My son went to Uni Sep 16 and I was worried about how he would cope, fortunately he is a saver rather than a spender, and he has done quite well really.

    He doesn't get the full maintenance loan due to our incomes and although what he gets covers his accommodation and a small amount towards his food it is paid 3 times throughout the Uni year and the first 2 instalments didn't cover his accommodation for that term.
    DS works in the summer holidays when he is back from Uni and if he is back in time he does Easter and Xmas as well so these wages are what covered the rest of his accommodation costs and his spending money.

    This year has been tougher than last as he did not work at Xmas so I have had to pay his Xmas money in to his account and he is using this to live on.
    DS knows he can ask us for money when he wants it but so far he hasn't, all my family have also offered him money if he needs it but he hasn't asked them yet either.

    So in a long winded way I would say that if they can have some money to start with before their student finance comes in then at least you know the accommodation is covered for the term.
    Originally posted by Eager_Elephant
    Hi EE, sounds like your DS has got his head screwed on. I wish our DS was a saver. It's all the little spends that add up, fast food, cinema, etc etc. He could live at home and commute to Uni, but the commute is quite cost. Something else to stress about!

    Xx
    DMP with CCCS started Jan'12 - 34,906 Jan'13 - 31,893 Jan'14 - 26,836 Jan'15 - 21,894 Jan'16 - 16,839 Jan'17 14,415 Jan'18 12,938ish! Self managed from Jan'17
    Jan 18- Bcard 1 1126,Bcard 2 4775,Bcard loan 230, C@ptl 2565 ,Ybank 3595,Virgin/MBNA 326 YB1 0, S@ntader 321
    DFD - Jan 2027 Nov 2018 Jan 2019 - DFD not sure at the minute!
    • Alice in Poorland
    • By Alice in Poorland 26th Feb 18, 9:28 PM
    • 2,213 Posts
    • 7,833 Thanks
    Alice in Poorland
    We are going to pay DS accommodation for him, or at least for the first year, till he finds his feet . He gets the min due to our income (plus DH's company car), and his Uni does offer 3 payment options, in full, over 3 instalments or over 7 months, which must be a help to some in the situation you describe EE. Without us helping out, I doubt he could go. I'm hearing the story time and time again from my friends and family that they've told their child/ren they can only go to a local Uni and commute from home as they can't afford to top up the maintenance loan.
    Originally posted by Spendless
    Hi Spendless, our DS could commute but I think it will be costly. I know we've heard stories like that too. Shame it's not in a years time where financially we'll be in a better place.....I hope.

    I'm already stressing about the amount of money he will owe once he's finished.
    Xx
    DMP with CCCS started Jan'12 - 34,906 Jan'13 - 31,893 Jan'14 - 26,836 Jan'15 - 21,894 Jan'16 - 16,839 Jan'17 14,415 Jan'18 12,938ish! Self managed from Jan'17
    Jan 18- Bcard 1 1126,Bcard 2 4775,Bcard loan 230, C@ptl 2565 ,Ybank 3595,Virgin/MBNA 326 YB1 0, S@ntader 321
    DFD - Jan 2027 Nov 2018 Jan 2019 - DFD not sure at the minute!
    • Alice in Poorland
    • By Alice in Poorland 26th Feb 18, 9:41 PM
    • 2,213 Posts
    • 7,833 Thanks
    Alice in Poorland
    Yesterday I took a gamble and did peg out.......Spendless did you too? I was pleasantly surprised how much the clothes did actually dry. Popped it all on the heated airer and put it on overnight. All dry this morning, just got a mountain of ironing to do now!

    We did go to the out of town shopping centre. DS spent his voucher, and we got him some new swimming stuff (trunks and towel). Also got DL a few bits, desperately needed so you know.

    Also picked up breakfast bowls, 50p each from a major supermarket.....bargain.. Also picked up rolls for bacon butties when we got back.

    Today was a NSD, number 6. Sorted bus money etc yesterday.

    OH still doing the 365 day jar. I'm doing 5p and 20p jars, any bronze coins go into a piggy bank.

    Hope everyone has a good week.
    Xx
    DMP with CCCS started Jan'12 - 34,906 Jan'13 - 31,893 Jan'14 - 26,836 Jan'15 - 21,894 Jan'16 - 16,839 Jan'17 14,415 Jan'18 12,938ish! Self managed from Jan'17
    Jan 18- Bcard 1 1126,Bcard 2 4775,Bcard loan 230, C@ptl 2565 ,Ybank 3595,Virgin/MBNA 326 YB1 0, S@ntader 321
    DFD - Jan 2027 Nov 2018 Jan 2019 - DFD not sure at the minute!
    • Spendless
    • By Spendless 27th Feb 18, 6:53 PM
    • 20,063 Posts
    • 33,113 Thanks
    Spendless
    No, I left the laundry to DH, who TDs everything! I wanted the rest of the house tidied so didn't have time to argue about pegging out!

    I'm not worrying about debt that is from student loans as that is more of a psychological barrier. It's no different to telling graduates that they'd pay a different rate of tax for 30 years when they earn above x. Credit cards, overdrafts and loans from other places are different matter.
    • Alice in Poorland
    • By Alice in Poorland 1st Mar 18, 8:56 PM
    • 2,213 Posts
    • 7,833 Thanks
    Alice in Poorland
    No, I left the laundry to DH, who TDs everything! I wanted the rest of the house tidied so didn't have time to argue about pegging out!

    I'm not worrying about debt that is from student loans as that is more of a psychological barrier. It's no different to telling graduates that they'd pay a different rate of tax for 30 years when they earn above x. Credit cards, overdrafts and loans from other places are different matter.
    Originally posted by Spendless
    Hi Spendless, I wish I could leave the laundry to my OH.....I mean I could but I couldn't bear the palarva.

    Yeah true about other forms of debt once they finish uni.

    Xx
    DMP with CCCS started Jan'12 - 34,906 Jan'13 - 31,893 Jan'14 - 26,836 Jan'15 - 21,894 Jan'16 - 16,839 Jan'17 14,415 Jan'18 12,938ish! Self managed from Jan'17
    Jan 18- Bcard 1 1126,Bcard 2 4775,Bcard loan 230, C@ptl 2565 ,Ybank 3595,Virgin/MBNA 326 YB1 0, S@ntader 321
    DFD - Jan 2027 Nov 2018 Jan 2019 - DFD not sure at the minute!
    • Alice in Poorland
    • By Alice in Poorland 1st Mar 18, 10:59 PM
    • 2,213 Posts
    • 7,833 Thanks
    Alice in Poorland
    What a few days. .

    The battery needed replacing on my car yesterday, after I broke down and had to call the AA.
    Cost 70 and t OH has had to spend 220 on his teeth, and has been a right pain over the last two days. He can be so unsupportive and selfish at times. Anyway we won't dwell on him and his ways.

    Tomorrow I must pay bills, including childcare and school trip payment.

    Today was actually a NSD, number 1.

    Xx
    DMP with CCCS started Jan'12 - 34,906 Jan'13 - 31,893 Jan'14 - 26,836 Jan'15 - 21,894 Jan'16 - 16,839 Jan'17 14,415 Jan'18 12,938ish! Self managed from Jan'17
    Jan 18- Bcard 1 1126,Bcard 2 4775,Bcard loan 230, C@ptl 2565 ,Ybank 3595,Virgin/MBNA 326 YB1 0, S@ntader 321
    DFD - Jan 2027 Nov 2018 Jan 2019 - DFD not sure at the minute!
    • Alice in Poorland
    • By Alice in Poorland 3rd Mar 18, 11:55 AM
    • 2,213 Posts
    • 7,833 Thanks
    Alice in Poorland
    I must say it looks lovely, crisp and peaceful out in the back garden. OH is put the front clearing the road, the kids are doing their bedrooms. Washing machine is on. Only going to do two loads today. Really don't want loads of washing hanging around the house. Two loads just fits nicely on the airer, will put airer on overnight and it will all be dry.

    Yesterday was also a NSD, number 2. I did pay the debt bills but still haven't paid childcare and school trip. (A NSD for me is when I don't actually buy anything such as food, petrol, social activities, that sort of thing).

    Two of our EE direct debits and a DVLA direct debit haven't been taken from the account. I've spoken to the bank and they think it's to do with only February only having 28 days. Strange because the other DVLA direct debit was taken........and there was money in the account I double checked.

    i feel on edge today, and I think it's to do with food shopping.....I know strange! We have just opened the last milk, we have bread, but the fridge is looking empty, we have a few oranges left but no fresh veg except a few potatoes. Now this is when I go into panic mode. We certainly wouldn't starve if we were cut off for the next few weeks or even months, but I just can't get my head around the fact that we do not need to fill the cupboards and fridge to the brim. Yes packed lunches would be difficult....and a little different if I didn't go shopping but it wouldn't be the end of the world.

    I'll do my usual food plan around what we have and then see what we need. I'll give the fridge a clean too.

    The other thing that is stressing me is that we don't pay the council tax this month. So in theory we have an extra 155 spare. I'm going to transfer that money into the emergency fund/holiday fund. We would really love to see DS graduate but it's going to take a lot of 155's

    Right that's enough whinging and moaning for one post. Off to sort the fridge, do meal plan and update spending diary now the majority of DDs have gone out of the account.

    Just one other thing....my hair...I've been trying different cheaper shampoos, conditioners and serums but they have made my hair terribly dry and brittle. So I think I'm going to buy my favourite brands next time. It will be about 10-12 for just the shampoo and conditioner but I think it's worth it.

    Right I'm off to do some jobs so I stop moaning..

    Xx
    DMP with CCCS started Jan'12 - 34,906 Jan'13 - 31,893 Jan'14 - 26,836 Jan'15 - 21,894 Jan'16 - 16,839 Jan'17 14,415 Jan'18 12,938ish! Self managed from Jan'17
    Jan 18- Bcard 1 1126,Bcard 2 4775,Bcard loan 230, C@ptl 2565 ,Ybank 3595,Virgin/MBNA 326 YB1 0, S@ntader 321
    DFD - Jan 2027 Nov 2018 Jan 2019 - DFD not sure at the minute!
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