Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • loopybecs
    • By loopybecs 4th Nov 17, 8:07 AM
    • 501Posts
    • 1,784Thanks
    loopybecs
    This Newly Single Mama Is On A Mission!!
    • #1
    • 4th Nov 17, 8:07 AM
    This Newly Single Mama Is On A Mission!! 4th Nov 17 at 8:07 AM
    I said that my last diary would be my last. But I was a different person back then...

    I had created it 12 months ago. I was a mum, with a partner of 7 years. 2 daughters who were just toddlers. A nice 3-bedroom house. And a fair bit of debt to clear.

    Fast-forward to now and I am a single mum to a 4 year old and a 2 year old, and am just about to move into a brand new apartment that I purchased. My ex bought me out of the family home. We used some of the equity to clear the credit card debt. We do however owe my parents a whopping £14.5K that I would like to clear asap!! Plus I am planning on making overpayments on my new mortgage... as I only have me to rely on now I want to be financially secure.

    Me and my ex are on good terms but it's been HARD. We split up over 9 months ago, I am in the family home while he is living with a relative until I move out. I bought a new build as I was told it would be ready to move in in June. I didn't get the keys until 18th October! And I've had to get new flooring, new furniture etc that I couldn't sort out prior to getting the keys because the builders kept moving the date out but I'm getting there and hopefully in a week's time I'll be living there and we can both get on with our lives!!

    So, the debt!! My new mortgage is £88,000. I did the Help To Buy Scheme which was £27,500. And I owe my parents £14,500 which is a joint debt with my ex.

    No other debt thankfully and I would like it to stay that way!

    In the past when trying to clear debt I have been too frugal and as such, I have made the debt worse by going crazy and shopping like mad So I am going to try and have a nice balance between clearing debt, saving, and treating myself. I need a life, otherwise what is the point? But I do not need ANOTHER pair of black high heels so its about being sensible Hopefully it works!

    I work in Accounts part-time (25 hours a week) and I also have a work from home business. Which has taken a back seat this year due to the stress but hopefully I can pick it up once I am in the flat. I do get tax credits too as I have agreed to pay for DD2s nursery fees (£780 a month!!!).

    I will try and keep up this diary as I have enjoyed writing them in the past. I am very easily distracted though so no promises!! xxx
    Last edited by loopybecs; 09-04-2018 at 9:06 AM. Reason: Trying to be more anonymous
    Mortgage: £88,000.00 £87,028.48
    Help To Buy: £27,500.00 £27,500.00
    Loan From Parents: £15,300.00 £15,300.00
    Single mama to 2 little girlies
Page 2
    • loopybecs
    • By loopybecs 5th Apr 18, 4:05 PM
    • 501 Posts
    • 1,784 Thanks
    loopybecs
    So, I have a 3 year old!!! Again... I had one 11 months ago aswell but she's nearly 5 now

    DD2 has been spoilt rotten as expected!! My parents 'only' got her 3 toys, the rest of the gifts were clothes! And a delicious buffet. So my flat isn't overflowing and my budget is happy that I don't need to buy her many clothes over the next few months My grandad gave her £10 in cash (he gave the same to DD1 too, which was sweet), so may buy her a cute dress with it as she doesn't have one that fits currently.

    She LOVES her Paw Patrol cake! We've just had a piece and it's delicious. My heart stopped at one point though as she started coughing badly and I thought she was going to choke. Whilst coughing she continued to try and shove more cake in That girl! It's a wonder I'm not completely grey

    DD1 has behaved really well which has been lovely and I told her so. She's currently drawing a picture for her dad who is popping round in about an hour. He was a little grumpy this morning when he dropped them off as DD2 woke up multiple times in the night and he hadn't slept much. He didn't sleep the night before either as he got home really late from watching the football (and his team lost). I have them tonight so he'll be able to catch up then Hopefully the drawing will cheer him up! And a slice of birthday cake.

    Last night a friend came round for dinner. I didn't even need to buy the ingredients as they arrived with said friend! So I just cooked saved me buying a meal which I'm grateful for! I was a bit orange as I went for a spray tan just before (my friend does it and charges mates rates ) but now the bronzer has washed off I'm looking like I've just returned from Greece

    I'm so tired. Like my ex, I didn't sleep well. I have anxiety and it got ugly at around 2am. It all relates to this hen do. I hate being away from home & my babies. The place where we are going is not my cup of tea and 2 nights away is not sitting well with me I keep telling myself it'll fly & probably will be better than I expect but ugh, I really don't want to go! I'm sure it'll be fine. Still need to pack... I'll do it in the morning Mum has let me borrow a small case as I don't have one.

    Time to go and play with the birthday girl! It's 4:05pm and this time 3 years ago I was labouring at home on my bed, using a contractions app on my phone and debating whether to go to hospital. I was just over 2 hours away from having my first cuddle
    Last edited by loopybecs; 09-04-2018 at 10:39 AM. Reason: Trying to be more anonymous
    Mortgage: £88,000.00 £87,028.48
    Help To Buy: £27,500.00 £27,500.00
    Loan From Parents: £15,300.00 £15,300.00
    Single mama to 2 little girlies
    • loopybecs
    • By loopybecs 6th Apr 18, 8:34 AM
    • 501 Posts
    • 1,784 Thanks
    loopybecs
    Currently sat on my bed balling my eyes out

    Logged onto my bank this morning to see that my working tax credits and child tax credits have gone in, but they have been reduced by £230! Just called the helpline and they said it is because they base it on 2 years income, and I was on a lot less money 2 years ago, so that is why I was being paid more before. Stupid me thought that once I updated them with my income details then their system updated straight away and the amount I would get the following month would be accurate. I am so gutted. I cant afford to lose £230 a month! I need to pay my Next account off and my parents. And have some sort of life

    Things were just getting better aswell luckily my side job payment is going in on the 10th and it is £84 more than what I predicted. But that still means I need to find £146 this month alone. I am not doing my side job any more as the company I was working for are scamming people so about 3 weeks ago I told them I would not be continuing. They still need to refund me £158 but that is in my budget so not extra money to make up this shortfall.

    I am just feeling sorry for myself. Must pull myself together. I need to pack for this hen do, have a shower and get dressed, do some food shopping, get my car cleaned, and play with DD1 as she is with me today. I also need to call the management company of my flat as I am STILL waiting for my service charge invoice. Then again, if they tell me how much it is for and it is more than I have budgeted then I may cry at them down the phone so maybe I should wait?

    Sorry for the neg post
    Last edited by loopybecs; 09-04-2018 at 10:43 AM. Reason: Trying to be more anonymous
    Mortgage: £88,000.00 £87,028.48
    Help To Buy: £27,500.00 £27,500.00
    Loan From Parents: £15,300.00 £15,300.00
    Single mama to 2 little girlies
    • Honeysucklelou2
    • By Honeysucklelou2 6th Apr 18, 9:30 AM
    • 781 Posts
    • 3,135 Thanks
    Honeysucklelou2
    Tax credits are a mystery as to how they work. Mine have decreased by £80 a month as of today. I think it's the beginning of the new tax year and that's when adjustments are made. I know it's hard to see a positive when you're wondering how to make up the shortfall, but at least the figure should be accurate and you aren't left having to repay HMRC.

    Hope you have a good day with Lucy.
    paydbx #93 £642/£8,000.
    Loan £17k - paid off in Aug 2017. Home improvement loans £3342 March 2017. £3123 in Jan 18
    • loopybecs
    • By loopybecs 6th Apr 18, 11:48 AM
    • 501 Posts
    • 1,784 Thanks
    loopybecs
    Thank you. To be honest I am worried about having to pay them back... I always tell them when there's a change but I've seen so many do the same and then still be told they've been paid too much and need to pay them back!! I really don't want to rely on them but right now I have no choice.

    Anyway I have given myself a good talking to and I won't let this defeat me. The drop in payments will mean I'm less dependent on them which I'm looking at in a positive way. DD2s 15 free hours childcare kicks in in September which will be a massive help. If only she was born 5 days earlier, it would've started now! So just the summer to get through which will be ok as parks are free and nice walks and sunbathing in my mum's garden

    Also *whispers* I have been told that my MD is keen on me coming back full-time. It would mean finding a childminder for DD1 but apparently he's going to make me an offer soon. My boss who is the company secretary sadly had a stroke 2 months ago and is still recovering in hospital He's 70 so very unlikely to return to work even if he makes a full recovery. I kept telling him off for working before his stroke as he was driving 2.5 hours a day, plus the stressful job, 5 days a week. And had a triple heart bypass 3.5 years ago!! Anyway his number 2 person, who I shall call M, is going to replace him. We have a temporary management accountant at the moment to cover things while we make the transition. M will need a "number 2" person, and he wants it to be me at the moment though it can't be me as its a full time position. Hence why my MD is going to make me an offer

    When I was first told this I was worried that financially I'd be worse off due to the drop in tax credits & paying for a childminder. But after this morning's findings it's probably not an issue now!

    My bags are almost packed, just need to do the toiletries. I have washed my bedding and now my flat smells lovely I rang the block management company who say they still don't know how much the service charge will be so I'm putting that to the back of my mind for now. DD1 is hungry so we will have lunch now (leftover buffet sandwiches!) and then get my car cleaned and go food shopping. I might try Lidl... Never been before!
    Last edited by loopybecs; 09-04-2018 at 10:45 AM. Reason: Trying to be more anonymous
    Mortgage: £88,000.00 £87,028.48
    Help To Buy: £27,500.00 £27,500.00
    Loan From Parents: £15,300.00 £15,300.00
    Single mama to 2 little girlies
    • Honeysucklelou2
    • By Honeysucklelou2 7th Apr 18, 2:41 AM
    • 781 Posts
    • 3,135 Thanks
    Honeysucklelou2
    That is exciting news on the job front and would certainly help to cover that shortfall. How many days do you work at the moment? Will full time be a manageable step up?
    paydbx #93 £642/£8,000.
    Loan £17k - paid off in Aug 2017. Home improvement loans £3342 March 2017. £3123 in Jan 18
    • loopybecs
    • By loopybecs 8th Apr 18, 1:15 PM
    • 501 Posts
    • 1,784 Thanks
    loopybecs
    I am home!!! And shattered It wasnt a crazy hen do or anything but both nights I didnt sleep well. No reason really as the bed was comfy, I wasnt sharing a room with anyone, the room was dark enough, but I just kept waking up! I will be going to bed when the girls go at 7pm tonight I think!!!

    I am going to cook a roast for dinner as I am CRAVING vegetables! Friday night we had pizza & wedgies, yesterday we had a fry up in the morning, then afternoon tea, then fish & chips in the evening. Then toast & crumpets this morning. So much beige! I need greens!!! It was a lovely weekend though and the hen loved it I will definitely miss the hot tub

    I budgeted £100.00 spending money for this hen do, and it came to £31.70! Excluding the cost of the accommodation as I paid that last year. I drove and my 2 friends who came in my car gave me £15 petrol money which was kind! Not sure how much petrol was used, it was a 120 mile round trip but I feel like £15 is too much and I told them so but they would not have it bless them.

    I tried not to think about the tax credits situation but it did pop in my mind a few times. I was talking to the hen as she has just become a registered childminder. She said if I wanted to take DD2 out of nursery then she would happily take her so unless I get offered something good to go back to work full time then that is what I will do. Although I do feel bad as DD2 loves nursery and is settled there, and I want her to socialise with as many children as possible. We will see but it is nice to have the option

    British Gas e-mailed me earlier saying that my monthly payment amount needs to change from £61.38 to £53.45 for my gas & electricity £7.93 saved which will help! Tonight I am going to do some eBay listings (assuming I dont fall asleep!), I have got a few items that should sell well

    Things I am grateful for: great friends, snuggles with my babies, fresh bed sheets, and no work tomorrow
    Last edited by loopybecs; 09-04-2018 at 10:49 AM. Reason: Trying to be more anonymous
    Mortgage: £88,000.00 £87,028.48
    Help To Buy: £27,500.00 £27,500.00
    Loan From Parents: £15,300.00 £15,300.00
    Single mama to 2 little girlies
    • loopybecs
    • By loopybecs 8th Apr 18, 1:20 PM
    • 501 Posts
    • 1,784 Thanks
    loopybecs
    That is exciting news on the job front and would certainly help to cover that shortfall. How many days do you work at the moment? Will full time be a manageable step up?
    Originally posted by Honeysucklelou2
    Sorry I forgot to reply to this... I do 5 hours a day, 5 days a week. It is during school hours so that I can take DD1 to school & pick her up. If I went back full time it would mean finding a childminder to take her there instead and pick her up. Looks like they charge £4-£5 an hour which is fine as my current hourly rate works out at £11.54 but this should go up if they offer me something. DD2 already does full time nursery so nothing would need to change there. 17 months to go until she is in school!! AND I WILL BE RICH!!
    Last edited by loopybecs; 09-04-2018 at 10:50 AM.
    Mortgage: £88,000.00 £87,028.48
    Help To Buy: £27,500.00 £27,500.00
    Loan From Parents: £15,300.00 £15,300.00
    Single mama to 2 little girlies
    • loopybecs
    • By loopybecs 9th Apr 18, 7:54 AM
    • 501 Posts
    • 1,784 Thanks
    loopybecs
    Monday morning and it definitely feels like it. Last night I was sobbing, like uncontrollable sobbing all because I am positive that I am going to get a letter from HMRC in the next few months saying I need to pay back thousands. After researching I would guess it is going to be about £3K.

    It is bonkers that they based the TC payments on what I earnt in 2015/16 and 2016/17. In 2015/16 I was on SMP for most of it! As I had just had DD2! So I earnt something like £5.5K that year. Then the following year it jumped up by £8K. The guy at HMRC told me they base it on 2 years salary because it is a more gradual drop in benefits. What is the point in that if there is going to be a big overpayment?! Use real time information! Surely that is the best way?! I expect to receive less if my salary goes up. I dont expect to have to pay them back because their system is flawed.

    My mum came round as I think she knew something was wrong. I didnt want to tell her but she is like a dog with a bone, so I did. She reassured me that while she is alive I will never ever need to worry about money. I do though. I dont want her to keep bailing me out. I want to stand on my own 2 feet! The one step forward 2 steps back thing is frustrating. I get ahead, then something happens. I am already £230 a month down which I am ok with now as my tax credits are accurate. But I am going to be ANOTHER £230 a month down to pay back the overpayment! That is what I have predicted anyway. I dont have the money to lose £460 a month

    Failing to stay positive right now. I just cant wait to look at my spreadsheet tomorrow.
    Last edited by loopybecs; 09-04-2018 at 9:43 AM.
    Mortgage: £88,000.00 £87,028.48
    Help To Buy: £27,500.00 £27,500.00
    Loan From Parents: £15,300.00 £15,300.00
    Single mama to 2 little girlies
    • Mumoffourkids
    • By Mumoffourkids 9th Apr 18, 8:17 AM
    • 589 Posts
    • 2,849 Thanks
    Mumoffourkids
    I had a tax credit overpayment which they just took out of my weekly tax credits payments. They took half and I went from getting £350 a week to £175 a week. Well there was no way I could afford to lose £700 a month. I phoned and they were really unhelpful the first time I called. Kept saying it was my fault as I hadn't told them my wages had gone up. So I phoned again the next day and got someone different who was more helpful. They explained I could apply to say the repayment of £175 a week was unaffordable and I couldn't afford to meet my basic living requirements. I did this online and they reduced my repayment to £30 a week. It took a bit longer but I was able to find that each week out of my budget.

    Please don't worry about it, they can't take what you don't have and there are helpful people at HMRC when you arrange to pay back an overpayment.
    Total debt Dec 2017 £23090.83
    Mar 2018 £6247.86 72.94% paid
    Emergency fund £472.50/£600
    Total Savings £1704.02
    • kerron7
    • By kerron7 9th Apr 18, 4:37 PM
    • 248 Posts
    • 421 Thanks
    kerron7
    I've also had an overpayment before through no fault of my own, It wasn't a huge amount but I said I could only afford £10 a week which they accepted.

    Good luck
    25.02.17 - £20,810.73
    03.06.17 - £19,222.94
    05.04.18 - £18,118.08

    Emergency Fund - £1/£500
    • loopybecs
    • By loopybecs 9th Apr 18, 7:36 PM
    • 501 Posts
    • 1,784 Thanks
    loopybecs
    Thank you both. I called the helpline again today. The guy explained that the payments I'm receiving have dropped as my income has gone up every year for 3 years, so they assume it will go up again. Best of all he said that there won't be an overpayment, and said it actually looks like they owe ME!! £96 to be exact. I don't want to get my hopes up but it's certainly calmed me down. I just hope I get my renewal pack soon so that I can put my mind at rest.

    My mum arrived at my flat via the supermarket this morning and put a big bag of stuff on the kitchen side. Stuff included chocolate (my weakness), bread, milk, ham, cheese, and crisps When she left I had to go to Tesco to get dinner for me & DD1 (fish cakes! DD2 was at nursery so being fed there). I got some other bits too so no need to go back there now for a few days. I used the petrol money I was given yesterday to pay for most of it.

    A friend who I haven't seen in 10 months and her 2 children came round this afternoon which was nice! The kids played lovely and me & friend chatted over tea. I sometimes envy her as she seems to have it all and rolling in money, but then as difficult as my life is sometimes, I wouldn't change it. I'm not the richest, I don't have a glamorous life at all, but success isn't about wealth in my opinion. I have a lot of friends, so I must be a nice person. I'd rather succeed there and no-ones kids are like mine I'm very lucky.

    DD2 was absolutely shattered after nursery bless her and was quite grumpy. I managed to settle her down though. We snuggled and I stroked her little face until she almost fell asleep! Then I read both girls Hyena Ballerina and tucked them into bed. That was 30 minutes ago and they're still awake lol. I on the other hand will be asleep very shortly. I'm already in bed with a cup of decaf tea!

    Work tomorrow. Almost a week off which is unheard of for me so I'm dreading seeing my inbox I've got to be out of the house by 7am. With the girls both ready aswell. Hmmmmmm!!! Wish me luck lol
    Mortgage: £88,000.00 £87,028.48
    Help To Buy: £27,500.00 £27,500.00
    Loan From Parents: £15,300.00 £15,300.00
    Single mama to 2 little girlies
    • Mnd
    • By Mnd 9th Apr 18, 8:31 PM
    • 464 Posts
    • 532 Thanks
    Mnd
    I use excel on my tablets,,only the basic version but it does all I need.
    You can upgrade at a cost but saves the expense of a new laptop
    • loopybecs
    • By loopybecs 12th Apr 18, 1:14 PM
    • 501 Posts
    • 1,784 Thanks
    loopybecs
    Hello! Today is my last day at work this week already Iíve done 3 full days, so 9 hours banked and ready to use whenever I want. Including the hours Iíve already accrued it means I can take 3 days off without touching my annual leave entitlement Happy Becs!

    Itís been a pretty exhausting week though. 8 hour days at work plus kids not sleeping great has made me shattered. They were at their dadís last night, and will be again tonight so Iím currently trying to catch up on sleep! DD2 kept coming into my bedroom throughout the night which was not fun! So I have been drinking lots of coffee

    Letís talk money. To get me through this month and next month I need to find £400.00. Thatís if I pay my Next account in full, which I donít have to of course but Iíd like to see the back of it. Itís also on the basis that the service charge invoice isnít more than £420. Iíve sold an item for £18 and have another item on eBay which has 9 people watching it. Iíve budgeted for a night out this month (a leaving do) and next month (mine & a friendís birthday), a wedding reception for the hen do Iíve just been to, a dress for a charity ball that Iím going to in June, £100 to savings to add to the £100 Iíve already got in there, and the usual bills & food & horrendous nursery bill

    Speaking of nursery, I am going to keep Eva in there. Yes I could get cheaper childcare but she absolutely loves it, sheís settled, and her 15 free hours kick in in September so really not that long to wait. I can do it. Itíll be tight but itís what is best for her. Ex doing the drop off and pick up is really helpful for me too and I know if I move her Iíll be the one to drop her off & pick her up, as itíll be in school hours, which ex wouldnít be able to do. So Iíd have to get her to wherever she had to go before getting Lucy to school which doesnít sound very fun!

    Work has been good this week. M is training me on more juicy stuff I love it! The MA asked if I was enjoying full days again, to which I said yes. I wasnít sure if the M.D. had spoken to her about increasing my hours. Iíve not seen him this week. Iíve bedn balancing complicated accounts and the some of the stuff I donít enjoy have been passed to a colleague. I finally feel like my responsibilities are getting back to what they were pre-children

    Ok now to confess my sins Well, thereís only one. The other night I was feeling a bit blue and found myself looking at coats & jackets in the sale. I couldnít see any that I liked that were cheap enough, but then I saw a Superdry hoodie. Iíve been wanting one for ages! Anyway I shopped around, and the cheapest one was on the actual SD website. 20% off! Plus 2.1% cashback and free delivery. So I ordered it It arrived yesterday and it fits perfectly. No regrets. Just need to sell as much stuff as I can now! I have a free evening tonight so Iím going to put as many items as I can on eBay. I have a piece of furniture that Iím debating on selling. I love it but itís too big for the room. Hmmm. I also need to clean. And go food shopping. My pet hate
    Mortgage: £88,000.00 £87,028.48
    Help To Buy: £27,500.00 £27,500.00
    Loan From Parents: £15,300.00 £15,300.00
    Single mama to 2 little girlies
    • loopybecs
    • By loopybecs 12th Apr 18, 9:23 PM
    • 501 Posts
    • 1,784 Thanks
    loopybecs
    Busiest evening EVERRRRR!!!

    I left work at 5pm, drove straight to the supermarket, did a food shop, got petrol, drove home, cooked dinner, ate dinner, washed up, stuck a wash on, had a shower, and dusted all the mirrored furniture & the window sills. I also put 4 items on eBay. 3 of them already have watchers and I'm confident they'll all sell

    I'm absolutely shattered... How do full-timers do it?! I didn't even need to collect any children from nursery/mum/school tonight! Which is very rare. I did speak to the girls after dinner though DD1 told me that my mum had taken her to a big soft play place today, and she apparently ate loads of chocolate which I really hate. My family tend to overload my kids with sugar. They're doing me a favour with childcare though which I am grateful for so I can't say anything Still, she had a fab time & DD2 loved nursery so that's good

    Tomorrow I am off work with DD1 and I need to clean the kitchen, bathroom and vacuum everywhere. I may be seeing a friend at some point but I'm not sure, she has a habit of cancelling a lot so we will see! If it doesn't happen then I'm sure me & DD1 will find something to do. She will be eating healthy though after all the rubbish she's eaten this week!! My fridge is loaded with vegetables
    Mortgage: £88,000.00 £87,028.48
    Help To Buy: £27,500.00 £27,500.00
    Loan From Parents: £15,300.00 £15,300.00
    Single mama to 2 little girlies
    • loopybecs
    • By loopybecs 13th Apr 18, 8:19 PM
    • 501 Posts
    • 1,784 Thanks
    loopybecs
    Today has been a VERY GOOD MSE DAY!

    I had the day off work to look after DD1 and we didn't spend any money. We walked to the park so no fuel was used either she pushed her dolly's pram and then I had to babysit said dolly while DD1 climbed and slid and span and ran She loved it. It was nice to get out but I was feeling chilly. Middle of April and everyone at the park was dressed for winter. Typically next week the weather is set to get much much warmer so I may be booking a day off to sunbathe!!!

    The service charge invoice should be coming out to me next week according to nice helpful lady at the block management company. She gave me an estimated cost which was what I had, and then gave me the good news that I CAN pay the invoice monthly instead of every 6 months!! I was always told I couldn't do it monthly! So I'm well pleased with that. £70 a month is definitely doable. It also means that the £420 I kept back for it can be used to clear the Next account! So maybe I should just go for it I might wait until I update my spreadsheet on Monday though.

    I mentioned yesterday that I had budgeted some money for a dress, as I'm going to a charity ball in June. It's for a local hospice which was where my nan passed away almost 13 years ago so I want to wear something special. I have been eyeing up a dress in an online store but it's an eye watering £89.00 plus delivery it's gorgeous and would touch the floor which is rare seeing as I'm 5'11 so I really wanted it, but I've been keeping my eye out for dresses on eBay, and low & behold I see THE dress, in my size, brand new with tags. With an hour to go before bidding ends. I read the description and it says there is a very slight pull at the back of the dress but that's it. This seller specifies in boutique clothing where the clothes are either out of season or have faults. The current bid was on £8.50. I put a bid on, a fairly high one, and I became the highest bidder. It was now on £10.50. And stayed that way until it had 8 seconds to go when someone else put a bid on, but it wasn't as high as mine, and so I won it!! £17.58! Plus delivery so £21.53 instead of £89.00 plus £2.50 delivery! CHUFFED ISNT THE WORD! Now I've just got to pray it will fit I can return it in 14 days if it doesn't!

    In other news, I cleaned the kitchen & vacuumed but the bathroom didn't get done so will do that tomorrow. Tesco Clubcard have been informed that me & ex have split and so need different accounts instead of a joint one. Friend cancelled as expected. One new item is on eBay and I have bids on others. And DD2 had a great day in nursery but was extremely hyper from the moment she got home until the moment she fell asleep God knows what they'd fed her but she was hard work this evening!
    Mortgage: £88,000.00 £87,028.48
    Help To Buy: £27,500.00 £27,500.00
    Loan From Parents: £15,300.00 £15,300.00
    Single mama to 2 little girlies
    • kerron7
    • By kerron7 13th Apr 18, 9:02 PM
    • 248 Posts
    • 421 Thanks
    kerron7
    Great news about the service charge and well done on your dress what a bargain.
    25.02.17 - £20,810.73
    03.06.17 - £19,222.94
    05.04.18 - £18,118.08

    Emergency Fund - £1/£500
    • Sunnysam72
    • By Sunnysam72 13th Apr 18, 9:24 PM
    • 16 Posts
    • 23 Thanks
    Sunnysam72
    Go for the clearing the Next account Becs, you'll feel so much better not having it as a debt anymore! You sound like you're doing an amazing job, in spite of being a single parent. You're right - money is not everything and I'm sure there are plenty people who are envious of you! Keep at it! X
    • loopybecs
    • By loopybecs 14th Apr 18, 9:56 AM
    • 501 Posts
    • 1,784 Thanks
    loopybecs
    Ah thank you! Pleased to say that I bit the bullet this morning and paid it off!! Woo hoo!!! The Next debt has officially gone I'm going to celebrate by taking the girls to Costa in a bit for a 55p babycino. The money is in my purse so shouldn't need to spend on my debit card!!

    DD2's hyperness must've worn her out as she slept until 8am! Completely unheard of! Her nose looks a little, erm, crusty so maybe she's coming down with a cold. I stuck the girls' bedding in the wash earlier and it's almost finished so will be getting it out soon I do love the smell of fresh washing!!

    Other than our Costa date, I should be seeing a friend and her baby boy later, I need to clean the bathroom, and play with the girls before I take them back to their dad's at 5pm Tonight I have no plans so will try & find more things to put on eBay
    Mortgage: £88,000.00 £87,028.48
    Help To Buy: £27,500.00 £27,500.00
    Loan From Parents: £15,300.00 £15,300.00
    Single mama to 2 little girlies
    • mummytogirls
    • By mummytogirls 14th Apr 18, 10:22 AM
    • 6,159 Posts
    • 22,448 Thanks
    mummytogirls
    Morning Becs,

    Found your latest diary last night and caught up! Well done with cleaning the Next account, that must be such a relief! How nice are the stuff in next though!

    Have a brilliant day xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £5419.83 - 08/04/18 - 76.61% paid off
    • loopybecs
    • By loopybecs 14th Apr 18, 9:26 PM
    • 501 Posts
    • 1,784 Thanks
    loopybecs
    Thank you! Yes I love the Next stuff a bit too much lol especially the kids clothes & home stuff! Luckily I'm not a fan of their womenswear, else I'd be in even more trouble

    I've had a fab day, and only spent £2, which was annoyingly on parking. I thought it was free for 2 hours but nooooo. However, my parents met us in town and insisting on paying for our drinks bless them which was lovely! When we got home I made lunch and then me & the girls went to the park. The weather was gorgeous! Yesterday we were in winter wear, today we had no coats on It was so nice that it was fairly easy to ignore the parents drinking alcohol and smoking weed...

    DD2 had an extremely runny nose and I had nothing with me, so after an hour or so we came home & she had a little nap. Poor poppet wasn't well so we all chilled out for a bit. After dinner I took them back to their dad's, then came home & cleaned up (including the bathroom) before my friend popped round. She didn't bring her baby so I'll have to go round hers soon for my newborn snugs She did a bank transfer while she was here as she owed me £10 for a ticket (event is tomorrow, a celebrity charity football match!) and paid me an extra £35 for some items I was selling! So that was good!

    I've listed one more item on eBay so that's 7 items on there now & 5 have bids on them need to find more stuff!!

    Can't wait to update my spreadsheet on Monday now I'm such a geek
    Mortgage: £88,000.00 £87,028.48
    Help To Buy: £27,500.00 £27,500.00
    Loan From Parents: £15,300.00 £15,300.00
    Single mama to 2 little girlies
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

1,014Posts Today

6,622Users online

Martin's Twitter