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  • FIRST POST
    • kerron7
    • By kerron7 29th Aug 16, 10:21 AM
    • 253Posts
    • 430Thanks
    kerron7
    Starting again #3 + 2 more mouths to feed
    • #1
    • 29th Aug 16, 10:21 AM
    Starting again #3 + 2 more mouths to feed 29th Aug 16 at 10:21 AM
    So here I am again 3rd time round!!

    Things have changed a little since my last LBM, I now have another 2 beautiful babies oh and I got engaged!

    That's makes me a working Mummy of 6 and Fianc!e of 1!

    Debt has increased since last time quite a bit, need to sit down and total it up. This includes store cards, a car loan to replace my old car that wasn't worth fixing, a loan to pay off cards which I then spent on again and credit cards

    Not going to keep beating myself up about the fact I should now be debt free but I really do now need to start making headway in paying it off.

    There are so many things i would love to save for and do which I just can't afford whilst I am paying this debt namely getting married, having a family holiday abroad and saving for our own home.

    I need to find a bit of time to work out a realistic budget and savings plan. Will try and do this a little later.

    But for now ....

    Today's to do list:-

    Make up lunch and tea from cupboard/freezer
    Washing
    Drying on line (finish towels in dryer)
    Order food shopping for delivery tomorrow
    General tidy of house
    Go for a walk with the children

    For now I think that's all, will be back later to update!!

    Need to keep on top of this diary, if only to organise and remind myself!!!
    25.02.17 - £20,810.73
    03.06.17 - £19,222.94
    05.04.18 - £18,118.08

    Emergency Fund - £1/£500
Page 4
    • kerron7
    • By kerron7 3rd Apr 18, 5:06 PM
    • 253 Posts
    • 430 Thanks
    kerron7
    So positives, free carrots x 3 and spring greens from Asd@, 5p for a swede all made into soup!

    £140 from warm house discount, the remaining electric budget to go towards debt.

    PAD £1.00 to TCC 2.

    Cleaned the oven which took so long, nails are now broken.

    Realised MOT due end of May so will need to save something towards that, fingers crossed it wonít be expensive.
    25.02.17 - £20,810.73
    03.06.17 - £19,222.94
    05.04.18 - £18,118.08

    Emergency Fund - £1/£500
    • kerron7
    • By kerron7 5th Apr 18, 8:47 AM
    • 253 Posts
    • 430 Thanks
    kerron7
    Looking at the figures I could possibly be debt free around August 2020! That doesnít sound too bad however Iím sure something will crop up to scupper that.

    Have budgeted up until July based on current figures and up till December based on assumed income.

    Nice day here today so will try to get some washing on the line.

    Still have £97 in the grocery budget which will start again on 19th, have enough main meals will just need to get a few fresh things so hoping to throw whatever is left to v@ry.
    25.02.17 - £20,810.73
    03.06.17 - £19,222.94
    05.04.18 - £18,118.08

    Emergency Fund - £1/£500
    • pennywisepoundstupid
    • By pennywisepoundstupid 5th Apr 18, 11:06 AM
    • 4,861 Posts
    • 16,756 Thanks
    pennywisepoundstupid
    All sounding really good, keep going 2020 will be hear in a flash and you seem motivated enough to have a good go at becoming debt free.

    Sunny with me also, feels good to be able to get some washing out on the line, maybe spring is finally here.
    Be mindful of your self-talk. It's a conversation with the Universe."
    Debt free and saving for my future
    Long term savings was £10,000 now £5000/borrowed £5000 for new kitchen which I MUST pay back. £5000/£0
    • kerron7
    • By kerron7 5th Apr 18, 12:43 PM
    • 253 Posts
    • 430 Thanks
    kerron7
    Thanks Penny! I!!!8217;m going to give it a really good go this time round, it!!!8217;s hard to get the debt paying/living balance right sometimes.

    Washing is on the line for the first time this year, another load is in.

    So my target by end of the year is to have paid V@ry off which currently stands at £3,220.13 and to be under the 10k mark which is doable just about.

    A few little payments made today to round things down, it all helps.
    25.02.17 - £20,810.73
    03.06.17 - £19,222.94
    05.04.18 - £18,118.08

    Emergency Fund - £1/£500
    • kerron7
    • By kerron7 6th Apr 18, 9:36 AM
    • 253 Posts
    • 430 Thanks
    kerron7
    Looking a bit dull this morning, hoping it stays dry so I can peg out some washing though.

    A small sale on eb@y which I will put towards TCC1 once I know postage cost.

    Priority is to pay v@ry off first but any cash back and eb@y sales are going towards TCC1.

    To do today:

    Post eb@y sale
    Get warm home electric credit whilst at post office
    Small Al@i top up
    Washing on line
    General tidy
    Think about paining bedroom

    Debt Plan looking forward

    Pay V@ry by end of December 18
    Pay off DP @ Outf@t by end of January 19
    Pay off TCC2 by April 19
    Pay off N@xt by August 19
    Pay off Loan by August/September 19
    Pay off TCC1 by December 19
    Pay off BC by August 20
    Pay off O/D by September 20

    These are rough estimates I!!!8217;m sure these will change, hopefully earlier!

    once these are gone:

    2 years saving for house deposit, takes us up to September 2022
    2 years saving for a wedding, takes us up to September 2024.

    We would also like to have a caravan holiday with the children next year and go away on our own as we are both 40, it!!!8217;s doable as long as nothing too expensive crops up and we stick to the plan.
    Last edited by kerron7; 06-04-2018 at 9:38 AM.
    25.02.17 - £20,810.73
    03.06.17 - £19,222.94
    05.04.18 - £18,118.08

    Emergency Fund - £1/£500
    • kerron7
    • By kerron7 6th Apr 18, 1:18 PM
    • 253 Posts
    • 430 Thanks
    kerron7
    Small payment of £1.65 to TCC1 from eb@y sale.

    Have listed another 8 items, only 1 being watched at the moment.

    £53.63 left in grocery budget until 19th.
    25.02.17 - £20,810.73
    03.06.17 - £19,222.94
    05.04.18 - £18,118.08

    Emergency Fund - £1/£500
    • kerron7
    • By kerron7 7th Apr 18, 11:32 AM
    • 253 Posts
    • 430 Thanks
    kerron7
    Raining here today so no washing on the line unfortunately.

    £2.00 spent today will take from grocery budget.

    A few things totalling £90 I forgot I need to pay for the next few mths that I haven!!!8217;t budgeted for so will need to find that somewhere, hoping to have a bit left over from GB to put towards it.
    25.02.17 - £20,810.73
    03.06.17 - £19,222.94
    05.04.18 - £18,118.08

    Emergency Fund - £1/£500
    • kerron7
    • By kerron7 8th Apr 18, 9:35 AM
    • 253 Posts
    • 430 Thanks
    kerron7
    Washing on, not raining at the moment so will peg out once finished.

    £1.00 PAD to TCC1 last night.

    Roast chicken today, then a small tea of toast I think.

    Really can!!!8217;t wait to get paid now although it!!!8217;s a couple of weeks off that all I can think about.

    Need to include something in my budget for entertaining the children, we have a town park which is obviously free I!!!8217;d like to take the children bowling or the cinema once a mth.
    25.02.17 - £20,810.73
    03.06.17 - £19,222.94
    05.04.18 - £18,118.08

    Emergency Fund - £1/£500
    • kerron7
    • By kerron7 9th Apr 18, 7:56 AM
    • 253 Posts
    • 430 Thanks
    kerron7
    A few more small payments made yesterday to TCC1 and 2 from sales. Someone's got a bargain after fees I made £6.88 on a pair of Clark's and Adidas trainers!

    Planning on a NSD today.

    Will rustle up tea with a small amount of chicken left from the roast yesterday.

    To do list

    Washing/drying
    Tidy up
    25.02.17 - £20,810.73
    03.06.17 - £19,222.94
    05.04.18 - £18,118.08

    Emergency Fund - £1/£500
    • Storm89
    • By Storm89 9th Apr 18, 8:24 AM
    • 174 Posts
    • 1,352 Thanks
    Storm89
    Hi have you done an soa? Not sure if I just skimmed past it. We shop at Aldi have done for about 8 years it's great but is creeping up price wise a little bit. Not as much as other stores thankfully! I have bought a book called savvy shoppers cookbook and it has recipes where all food is bought from Aldi. She has a blog with shopping lists and meal plans on where the bill is around £30 a week. That's for a family of 4 though.
    • kerron7
    • By kerron7 9th Apr 18, 10:46 AM
    • 253 Posts
    • 430 Thanks
    kerron7
    I haven't, but apart from virgin I'm sure everything is the cheapest I can get it. Virgin is our entertainment as we never go out.

    I shop at Aldi, farm foods and ASDA, I do agree prices are rising.
    25.02.17 - £20,810.73
    03.06.17 - £19,222.94
    05.04.18 - £18,118.08

    Emergency Fund - £1/£500
    • kerron7
    • By kerron7 9th Apr 18, 6:23 PM
    • 253 Posts
    • 430 Thanks
    kerron7
    Not a very productive day, not got much done apart from 1 load of washing and I cleaned the dining room.

    Tea was stir fry chicken using leftovers from yesterday, managed to stretch a 3 person chicken to 5 roast dinners and 2 stir fry's.

    Waiting for tomorrow to make my last overpayment to v@ry.

    I think that will be it on overpayments until 19th unless I get anymore sales which is looking unlikely, I've listed the same things 3 times now with no success.

    Going to have a quick tidy round, wash up and settle down to read some diaries before Marcella!
    25.02.17 - £20,810.73
    03.06.17 - £19,222.94
    05.04.18 - £18,118.08

    Emergency Fund - £1/£500
    • kerron7
    • By kerron7 10th Apr 18, 9:16 AM
    • 253 Posts
    • 430 Thanks
    kerron7
    Well woke up to rain, so no washing on the line today!

    Just made another overpayment to very, hoping to make 1 more payment but I wanted to keep a little back just incase as I really don't want to have to put anything on a CC. Minimum payment this mth was £63.89 and I've paid an extra £363.97 off so far, total payment £427.86.

    To do today

    Load of washing
    Tidy
    Take sales to post office
    Small Al@i shop

    Tea will be chicken jalfrezi, naan bread and popudoms.

    Taking 4 of the children bowling today as it is half price Tuesdays £12.92 plus 4% cashback, will not be buying food or drinks!! May give them a £1.00 each to spend in the arcade though, I will see if they behave first!
    25.02.17 - £20,810.73
    03.06.17 - £19,222.94
    05.04.18 - £18,118.08

    Emergency Fund - £1/£500
    • kerron7
    • By kerron7 10th Apr 18, 9:28 AM
    • 253 Posts
    • 430 Thanks
    kerron7
    Seriously feeling stupid when I totalled up my debts I've missed one off, I wrote it down but didn't add it on! What a numpty, off to update signature and a little cry!
    25.02.17 - £20,810.73
    03.06.17 - £19,222.94
    05.04.18 - £18,118.08

    Emergency Fund - £1/£500
    • kerron7
    • By kerron7 10th Apr 18, 1:10 PM
    • 253 Posts
    • 430 Thanks
    kerron7
    Shop done £28.31 left till 19th.

    Glad I only paid the smaller amount to very this morning DS1 has a football final on Sunday which will cost entrance fee as at a local ground, not sure how much hopefully not more than the £30 I kept back.
    25.02.17 - £20,810.73
    03.06.17 - £19,222.94
    05.04.18 - £18,118.08

    Emergency Fund - £1/£500
    • kerron7
    • By kerron7 10th Apr 18, 8:25 PM
    • 253 Posts
    • 430 Thanks
    kerron7
    Bowling not too painful, didn't give them a £1 each so £3 saved as car parking was £1.

    Feeling a little yuck tonight, hope I'm not coming down with something.

    No luck so far on anymore eb@y sales, not listing anything else until it's free again.
    25.02.17 - £20,810.73
    03.06.17 - £19,222.94
    05.04.18 - £18,118.08

    Emergency Fund - £1/£500
    • kerron7
    • By kerron7 11th Apr 18, 8:14 AM
    • 253 Posts
    • 430 Thanks
    kerron7
    Nothing much on the money front today, no extra payments unfortunately.

    DP taking the children out whilst I paint our bedroom, will give him £20 for treats.

    Thinking ahead I am taking my eldest DD to London in June to watch a musical tickets were brought over a year ago as part of her birthday present, just need to make a decision on how to get there. Looking at train fares it's going to work out about £100, coach is £26 so I think it's a no brainer really I have budgeted £250 for travel, food etc hoping to bring some back.
    25.02.17 - £20,810.73
    03.06.17 - £19,222.94
    05.04.18 - £18,118.08

    Emergency Fund - £1/£500
    • kerron7
    • By kerron7 11th Apr 18, 6:58 PM
    • 253 Posts
    • 430 Thanks
    kerron7
    NSD apart from £20 budgeted for for the children.

    Chicken pasta for tea. Still got plenty of chicken in from my order last month, have ordered more to come next week but money won't be debited till then so will come out of grocery budget starting on the 19th.
    25.02.17 - £20,810.73
    03.06.17 - £19,222.94
    05.04.18 - £18,118.08

    Emergency Fund - £1/£500
    • kerron7
    • By kerron7 12th Apr 18, 4:49 PM
    • 253 Posts
    • 430 Thanks
    kerron7
    Put in some fuel this morning, I need it to last till Thursday no long journeys planned but lots of here and there next week when the children. are back at school.

    Managed to paint our bedroom yesterday at long last, looks much better. I'd wanted to put paper on one wall but decided the money is better spent elsewhere, well it would actually of ended up on my n@xt account so used paint we already had in.

    Meal planned until next Thursday, shouldn't need much apart from milk, bread and pull ups.

    DS cup final looks like it will cost about £15 for us all for entrance fees, parking and a program.

    One load of washing done have had to put the heating on to get it dry as have had non stop rain so far today.

    Freezer tea tonight, that will be the last of my bits and pieces lying around in the freezer.

    No extra payments today, may have a little left over from some pots to make one on the 19th but I also have to find money for DD1 prom ticket and activity days for the boys at school total cost £90!
    25.02.17 - £20,810.73
    03.06.17 - £19,222.94
    05.04.18 - £18,118.08

    Emergency Fund - £1/£500
    • kerron7
    • By kerron7 13th Apr 18, 12:39 PM
    • 253 Posts
    • 430 Thanks
    kerron7
    Raining again today here! Washing is on but will have to go on clothes horse to dry.

    Sorted out paperwork today, a pile for recycling, one for burning and one for filing. Have found a few bits I need to fill in and change address on.

    Stir fry pork for tea tonight.

    Nothing happening with money today, will be a NSD.
    25.02.17 - £20,810.73
    03.06.17 - £19,222.94
    05.04.18 - £18,118.08

    Emergency Fund - £1/£500
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