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  • FIRST POST
    • loopybecs
    • By loopybecs 4th Nov 17, 8:07 AM
    • 625Posts
    • 2,313Thanks
    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 £86,372.84
    Loan From Parents: £15,300.00 £15,000.00
    Emergency Fund: £250.00/£5,000.00

    New Car Fund: £250.00/£6,000.00
    Single mama to 2 little girlies
Page 7
    • Lucifa73
    • By Lucifa73 18th Jun 18, 10:20 AM
    • 7,414 Posts
    • 9,501 Thanks
    Lucifa73
    Hope everything is okay at your end. Not seen you around for a few days and I miss your posts!
    Tesco CC 020718: £3502.86/110918: £3174.05 9.39%
    Surveys cashed £14.84/cleared £21.45/pending £0.90... (plus 600 YouGov points...)
    Don't give in; Don't you dare quit so easy
    Give all; That you got on the soul
    Snow Patrol. 'Don't give in'. 21.3.18
    • Kitten868
    • By Kitten868 28th Jun 18, 7:55 PM
    • 971 Posts
    • 2,183 Thanks
    Kitten868
    Come back! We miss you. Hope everything is all going ok? Xx
    Loan 1 £5500/£8000
    Loan 2 £3500/£5800
    Total £9000/£13800 35% PAID

    And CC £1550/1900
    • loopybecs
    • By loopybecs 1st Jul 18, 4:15 PM
    • 625 Posts
    • 2,313 Thanks
    loopybecs
    *Walks in with my head down*

    Hello all! Iím so sorry for my absence. June well & truly kicked my a*** and I couldnít face writing the updates. There were also some things that I couldnít talk about at the time which made me not want to talk at all. But, Iím coming out the other side, so I will explain what happened if youíre interested Itís not all bad stuff luckily!

    So much has happened so Iíll try & separate it between MSE & non-MSE. Feel free to skip this bits youíre not bothered about!

    Non-MSE

    One of the biggest events was the moment I told Ex that I have a new partner. It was a horrible conversation and I had been dreading it for ages. It broke his heart What made it worse was that this man works with us. Theyíre not friends really but itís still hard as they obviously see each other most days. I donít make it easy for myself! Luckily they donít have to deal with each other too much so it wonít be a problem, hopefully.

    To make things more awkward my new partner is actually my new line manager! Itís M, if you are wondering... you may remember me mentioning him a few times. Weíve been good friends for years, so itís been challenging at times going from friends to partners. And colleagues, of course! But he treats me so well. Itís been really nice being with him the last 3 months or so. He is everything Iíve wanted in a partner I can see us having a great future together. I havenít felt this happy in a really long time. I just hope my ex will be ok. I try & talk to him as often as I can. We took the kids out today and he seemed a bit down at first but perked up later on. Itís to be expected I guess. Bless him

    M has not seen my kids since weíve been dating (heís met them a few times before but not for ages). And we wonít be introducing them again for a long time. Ex needs to digest the information first. No-one at work knows either, however we will have to tell the directors this week. Itís important that they know due to us both working in Finance. Not that we are the type of people to commit fraud, but with recent events there, that caused 2 people to be sacked due to money launderering (and subsequently one is now on the run!), they need to know everything and be able to trust us. M offered to tell the M.D. in his weekly meeting with him tomorrow.

    My dad left England this morning to start his new job in Latvia. He retired at 57, then worked in Malta for a year, then retired, and then got bored again Heís 59 now but clearly hates retirement so itís back to the grind for him in yet another country. I preferred it when he was in Dubai as I loved it there!! I will miss him but Iím so used to him being away that I know Iíll be ok.

    I finally have the car park fobs! It took a written complaint before I got them, and refusing to pay the service charge invoice. The woman who collected them in May hadnít done anything for FIVE WEEKS, so I went absolutely mental at her. The whole company is a joke! Still, itís so nice to be able to park in the car park again Unfortunately the leaky water pipe situation is still ongoing. The developer is on holiday until 5th July so Iíll be having words with him when he returns.

    DD1 is still getting on ok at breakfast club & with the childminder. She has done so well bless her! Unfortunately Iím not so impressed with the food theyíre both giving her. They are far from healthy and I donít really know what to do about it. She kept being picked on aswell by 2 kids in her class so me & Ex had to go into a meeting with her teacher about it as it was physical. Luckily the main thug, a boy, isnít in her class when they go into year 1 in September. So only 3 more weeks of putting up with him. DD1 refuses to fight back because she knows the teachers will tell her off. Iíd love her to give him a massive slap!

    DD2ís speech is improving every day and she chats so much now which is lovely as she was quite behind I had to have a meeting with the nursery manager a couple of weeks ago as one of the staff rang me telling me they wouldnít change her as they had no wipes! I was fuming and said Iíd collect her immediately as I wasnít going to allow them to not change her just because Ex forgot to pack some wipes! This woman then agreed to change her but I was already on the ceiling and ready to go down there! How dare they, the poor girl canít be left in a dirty nappy all day!

    MSE

    I got the best news in June! My M.D. gave me a letter stating that my salary was being increased by £3.5K a year!!! I was ecstatic!! It comes into effect today so tomorrow I need to contact HMRC and tell them so that they can reduce my tax credits. Will be interesting to see what the net amount extra will be!

    I bought a lot of new clothes in June, mostly for work. It was very much needed as I said before, as my clothes were all tatty and horrible, and I felt like as I had been promoted I really needed to make more of an effort with my appearance. Itís amazing what itís done to my confidence. I go into different departments to talk to my colleagues now, before I would hide at my desk and only talk on the phone! The total amount I spent was £334.05 Which seems insane! But I hadnít bought anything in about 3 years so I canít really complain and I got cash back where I could.

    I paid my first payment to my parents! I need to update my signature actually... it was only £100 but it should be more going forward.

    I should be getting £150 soon as Iíve switched to HSBC Theyíll give me another £50 this time next year too! I need to set up my online banking but I already have the debit card & pin etc. I donít really like HSBC but I couldnít resist this offer. Plus I get access to their 5% regular saver which is much better than my current savings account.

    The charity ball dress I wore just after I last came on here was great. I ended up putting it back on eBay and it sold for £15 plus postage. Meaning I only paid £2 for it! I also sold a Ted Baker dress for £51 I will try and Ebay more tonight as July is looking like a tight month. Iím still playing catch up for my work clothes purchases! And my day at the beach with M, day out in London with my mum, and other fun days out

    I think thatís it! Sorry it was such a long post and well done if you made it this far! Also, any Love Island fans here? If so what do you think to this yearís series? I prefer last yearís but I think itís getting better now. Megan, Wes, Adam & Josh need to set up their own snake camp though!!!
    Mortgage: £88,000.00 £86,372.84
    Loan From Parents: £15,300.00 £15,000.00
    Emergency Fund: £250.00/£5,000.00

    New Car Fund: £250.00/£6,000.00
    Single mama to 2 little girlies
    • monz
    • By monz 2nd Jul 18, 10:23 AM
    • 3,337 Posts
    • 11,081 Thanks
    monz
    Wow what a change!!

    And you sound so happy and well deserved love!xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house pot for bobs after fees : 33
    car PCP - 948.95/11848.25 mum and dad £1,300/£4,000 mortgage - £83,378 o/s currently - paid £934.10 (£19.65 overpayment)
    Christmas - 0/500
    • loopybecs
    • By loopybecs 2nd Jul 18, 7:30 PM
    • 625 Posts
    • 2,313 Thanks
    loopybecs
    Thank you I am happy but itís far from plain sailing whilst Ex is hurting Iíve been trying to find a therapist for him today to see if talking to one will help him. We were texting last night & he said heís reluctant to talk to me as he thinks Iím going to tell M what heís been saying. I told him that whatever he says to me wonít be broadcasted to anyone, and I think he believed me, so hopefully he will keep talking to me. He doesnít have anyone else to talk to, so although I am the Ďwrongí person, Iím all he has. A therapist would be better though. In the last couple of weeks heís majorly hinted that he was suicidal in March/April time, and I refuse to let him sink that low again. Iíve told M to stay away from me in work time, except when absolutely necessary, as even just seeing us next to each other at work could set Ex off. Itís a really horrible situation

    If I had a magic wand I would take away Exís pain straight away. I absolutely hate seeing him like this. But leaving M wouldnít be the answer, as my head & heart would still be with him.

    Anyway moving on to MSE things! All my direct debits went out today. I didnít ebay anything last night as I was too distracted by Exís texts. I need to though as I donít have much money this month to play with Thereís not much else to report, itís all fairly boring!

    My kids are driving me up the wall today. This morning they were constantly fighting, then since I picked them up from nursery/school theyíve been little brats. Especially DD2. Iím looking forward to them going to sleep and having some peace. Theyíre in bed but still awake and shouting for me for attention They would be amazing contraception! Iíd definitely loan them out to teenagers for a week at a time... theyíd stop teenage pregnancy in a heartbeat!

    Iím going to have a nice shower now & hopefully when Iím finished theyíll at least be quiet. Otherwise they may make my eBay listing later!
    Mortgage: £88,000.00 £86,372.84
    Loan From Parents: £15,300.00 £15,000.00
    Emergency Fund: £250.00/£5,000.00

    New Car Fund: £250.00/£6,000.00
    Single mama to 2 little girlies
    • Kitten868
    • By Kitten868 2nd Jul 18, 7:48 PM
    • 971 Posts
    • 2,183 Thanks
    Kitten868
    You're back! And all out in the open now! And breathe out! It all sounds positive and i know what you mean about clothes, you go without for so long when you do replace them it's expensive - you're not just topping up.
    Glad you're happy with some one
    And devastated about people doing money laundering at your work. I know how devastating it is to have people smash your trust like that in such a small team. Really throws you and make a you feel devastated.

    Also sorry about dd1 getting bullied. That's awful. Well done for sticking up for her.

    We'll help you get through tight July xxx
    Loan 1 £5500/£8000
    Loan 2 £3500/£5800
    Total £9000/£13800 35% PAID

    And CC £1550/1900
    • loopybecs
    • By loopybecs 6th Jul 18, 7:50 PM
    • 625 Posts
    • 2,313 Thanks
    loopybecs
    Thank you Yes, work was so difficult last month when it all came out what these 2 salesmen were doing. I can't say much because the police are involved, but it's sad... one of the guys used to sleep round mine & Ex's old house all the time! We were good friends with him. And now he's ran away somewhere leaving behind his wife, baby and his 3 grown up children. And I had to deal with irate customers due to the situation. I nearly walked out one day because it was so stressful.

    "Tight July" is going strong but of course it's now the weekend which usually makes things more difficult! Luckily it's set to be a cheap one. Tomorrow I may be going round my mum's with the girls for a paddling pool session, and then maybe seeing Ex with the girls after that at a park or something. Sunday is my child-free day and I said to M I'd look round a house that he likes with him and maybe look at some cars too. He's been saving hard for an Audi A5... not a new one of course, but he has put away enough money to get one now his savings will probably buy him one that's around 6-years-old. We are going to do a chicken tikka masala in the slow cooker too before we leave I've not used my slow cooker yet so I'm excited! He's a pretty good cook but this will be the first time I taste his cooking.

    DD1 needs new plimsoles as hers gave her a blister on her right foot today I nearly cried when I saw it! Poor little love had to wear them at school all day for Values Day so I felt so guilty & awful. They aren't expensive luckily. Hopefully her foot will be better by Monday for sports day. Me & Ex have the day off for it

    Speaking of Ex, he's still not good really. He's utterly heartbroken actually and it's killing me seeing him so upset. I gave him a big hug today when he cried. Sometimes I wonder if backing off will help him but I can't do that, it's against my nature. I also question myself and wonder if this is the right path to take. He says the problems in our relationship were fixable but I disagree. If it was fixable then it would've been fixed. After having the children we were no longer compatible... he wanted to stay in night after night, he made no effort, there wasn't much affection with me, and despite having a million chats with him about it, it didn't improve. I was 29 and didn't want that to be my life. Yes, we had kids together and that's the reason why I fought harder & for longer, but neither of us were happy. I wanted it to work so badly which is why it cuts deep now when he pours his heart out to me

    I know breaks up aren't ever easy but this seems to be so much harder than I imagined Ex & M had their first proper conversation about everything yesterday. Which was just nerve wracking but it needed to be done. Ex felt better afterwards, but then seems to have taken 5 big steps backwards today. I do feel for him.

    Back onto money talk... I have £10.33 payable in my TCB account and a further £13.60 pending. I'm tempted to withdraw it but I also think I should keep saving it until Christmas time. It'll be much more valuable then!

    Thanks everyone who reads though my posts, even when it's got nothing to do with saving money! I'm aware I waffle on
    Mortgage: £88,000.00 £86,372.84
    Loan From Parents: £15,300.00 £15,000.00
    Emergency Fund: £250.00/£5,000.00

    New Car Fund: £250.00/£6,000.00
    Single mama to 2 little girlies
    • loopybecs
    • By loopybecs 15th Jul 18, 8:17 PM
    • 625 Posts
    • 2,313 Thanks
    loopybecs
    I'm being so inconsistent in updating this diary at the moment! I'm now officially with HSBC but I can't access my account online yet as I'm still waiting for them to send me the details. The switch happened on 10th, so a week ago tomorrow, and not knowing my balance is driving me crazy! I'm having to go to the cashpoint to print it out which is really annoying. If I get no joy by 19th then I'll go into the branch when I do the work banking and ask them if they can set me up while I'm there.

    Things with Ex are still very much up & down but he FINALLY went to the doctors this week and has been prescribed antidepressants. Hopefully they kick in soon and he will be feeling much brighter.

    To help his mood I sugggested that we book Disneyland Paris for next year with the kids. I can hear some of you gasping I'm aware it's very expensive, but you'll be pleased to know that I've been researching hard in keeping the costs down and have booked a 4* hotel which is 10 minutes from the park. It is by a supermarket & a shopping mall so unlike the super expensive Disney hotels we can buy our snacks & drinks there and take them with us. We are going during the Easter holidays for 4 nights and not planning on telling the girls until Christmas The hotel cost £435.52 which is brilliant... the 2* Disney hotels were a lot more expensive! It has a bus service just outside which takes you to the parks for free

    I need to book the park tickets for the 3 full days that we are there, the flight & transfer/Eurostar (not decided which one yet as neither options have released tickets), and the princess lunch. That last one will not be MSE at all but hell am I going all the way to DLP with my girls and not meet the princesses! Apparently I can only book 60 days in advance so I've got to wait. Gives me time to save! I'm already very excited I've never been before and I can't wait to experience the magic!

    M has been very understanding about me going to DLP with my ex, but obviously it's very hard for him too. So I'm looking at holidays for us so we can have something to look forward to. Our favourite film is The Hangover and we are dying to go to Las Vegas... we've both been before with our exes but we really want to go next year. We found an amazing deal the other day for M's birthday in October. 6 nights, staying on the strip, £478 each!! Including flights!! It's too soon to go this October, but certainly next October is a must!!! I'm not booking anything yet though as the relationship is still fairly new.

    The developer & Anglian Water have now found out where the leak is & the plumber is coming on 18th to isolate the pipe work The developer also went through the snags and is going to sort those out too I never ever thought the developer would be almost perfect at keeping me up to date with what's going on! So much better than the management company.

    DD1 has 5 more days left at Reception I can't believe she's going into year 1 soon! I'm so proud of her though. She did amazingly in her sports day this week, and her school report makes me want to burst with pride! She's had a great year and has learnt so much. She enjoys writing & being creative, but maths is her strongest area. Maybe she's set to follow me and be an accountant?!

    DD2 is in a private nursery so they will be open during the summer holidays. She won't be there every day though... I want to spend more time with her so when I'm off she will be off too Her speech is getting better every day and she's using the toilet more at nursery. Still not interested at home though! We persevere...

    I must say I am loving this weather we are having!! No cold temperatures or rain for weeks For the first time in years I'm actually getting a tan which is saving money on spray tans!!! Yay
    Mortgage: £88,000.00 £86,372.84
    Loan From Parents: £15,300.00 £15,000.00
    Emergency Fund: £250.00/£5,000.00

    New Car Fund: £250.00/£6,000.00
    Single mama to 2 little girlies
    • loopybecs
    • By loopybecs 17th Jul 18, 8:24 PM
    • 625 Posts
    • 2,313 Thanks
    loopybecs
    There's me saying how much I'm loving the hot weather & then I get sick I've not actually been sick but I've been VERY nauseous and yesterday I almost passed out at work. Very embarrassing. My vision went completely the office was unbearable and I got quite ill. It's been a bit cooler today but I'm still not well. Luckily I have the next 2 days off

    Still no internet banking info from HSBC so I went into my local branch today, to be told I have to go back in next week with photographic ID and a proof of address document before they can give me the details to set me up What a ballache! I'm not amused. He said it's because I applied for the account online. I sent off a form though for internet banking and it said once received I'd be set up!! Should've know that it wasn't going to be a simple task.

    Not much else to report due to the poorlyness. Hopefully it won't ruin the annual leave I've booked! Fingers crossed x
    Mortgage: £88,000.00 £86,372.84
    Loan From Parents: £15,300.00 £15,000.00
    Emergency Fund: £250.00/£5,000.00

    New Car Fund: £250.00/£6,000.00
    Single mama to 2 little girlies
    • loopybecs
    • By loopybecs 20th Jul 18, 10:04 PM
    • 625 Posts
    • 2,313 Thanks
    loopybecs
    Schools out!!!

    DD1 has left Reception year where on earth did that year go?! She's brought home her exercise books and looking at her work makes me so proud She's progressed so well, and overall has had a really positive year Next year DD2 will start school but she's ready to go now every day she asks if she can go to school! She's so eager to go, bless her. I filled out the 30 free hours paperwork today for her but I'm now worried that my tax credits are going to stop. I understand that they'll reduce, because my childcare costs will reduce, but I've read a few things online and now I'm confused & anxious! It's a never ending worry when it comes to tax credits! So now the dreaded wait to see what the figures will be.

    I had yesterday & the day before off work and it was a much needed break I had a breakfast date with my best friend who's recently found out she's 4 months pregnant(!) with a boy, saw a couple of other friends, caught up on housework & food shopping, and went on a shopping trip with my mum She paid for parking as I drove, and she treated me to lunch bless her. I bought a couple of tops (NOT BUDGETED!!! FGS Becs ), a birthday present for a party I'm going to tomorrow, and a baby shower present for next weekend. So, not the best but not the worst either, but it means I've got to really tighten my belt now.

    Ex is feeling brighter now he's still not 100% obviously but he's much better. I'm relieved as I was really concerned 2-3 weeks ago. He was in a very dark place

    Time for bed. Chat tomorrow hopefully!
    Mortgage: £88,000.00 £86,372.84
    Loan From Parents: £15,300.00 £15,000.00
    Emergency Fund: £250.00/£5,000.00

    New Car Fund: £250.00/£6,000.00
    Single mama to 2 little girlies
    • loopybecs
    • By loopybecs 21st Jul 18, 6:24 PM
    • 625 Posts
    • 2,313 Thanks
    loopybecs
    Just about to head out to the birthday party but thought I'd quickly update. Today I spent £30 on my hair (budgeted) & that's it. Took the girls to a big park with Ex but it was so stressful as DD2 was having tantrums all the time & Ex was annoying me, so that was a disaster!

    I've been looking for a DVD player recently as I don't have one, and Ex says he has one that he doesn't use, so he's going to bring it over at some point to see if it works. If it does I'll forgive him for bugging me today as it'll save me some money

    Tomorrow I'm going to attempt to go to the gym I'm not going to promise! But I NEED to go before I get proper chubs
    Mortgage: £88,000.00 £86,372.84
    Loan From Parents: £15,300.00 £15,000.00
    Emergency Fund: £250.00/£5,000.00

    New Car Fund: £250.00/£6,000.00
    Single mama to 2 little girlies
    • loopybecs
    • By loopybecs 23rd Jul 18, 7:58 PM
    • 625 Posts
    • 2,313 Thanks
    loopybecs
    Shout out to all the parents on here trying to keep their kids cool! My girls went to bed early tonight as it's just too warm. Bless them, they didn't even argue! They had a cool bath/shower after I collected them after work and then I just stuck them in some underwear. Nothing else. I've just had a shower too but already feeling hot & sweaty!!!

    Don't get me wrong, the sunshine & heat has been lovely after a pretty awful winter, but I'm getting a bit tired of it now. It's too hot to enjoy it. 10 degrees too hot, for me anyway. My office was 31 degrees today, and we have no air con Please tell me how I can possibly work in those conditions?! The poor management accountant had to sit in her car for a while with the air con on as she was getting a migraine.

    I've just eaten half a tub of B&Js ice-cream... purely to cool down... That's yesterday's gym session rewards out the window! Yes you read right, this loopy one went to the gym And the verdict is, I'm so so so unfit And I must keep going!!

    Me & M went to Prezzo yesterday (so the gym calorie burn actually got destroyed a mere 6 hours later!). £20 of it was paid for by my Clubcard vouchers, and M paid for the rest It was lovely but I was in a food coma for the rest of the day Italian food is a massive weakness for me! Worth it though, and it was lovely spending some quality time with M. We hadn't seen each other outside work for a week & since Ex finding out about us it's been stressful, so yesterday was very much needed! He gave me a foot massage when we got home it was very heavenly!

    DD1 started swimming lessons today and she LOVED it!! Yay!! My mum watched her, as it's the summer holidays and she was looking after her today. My turn tomorrow and I can't wait to see my little rainbow fish in the pool! £18 for a week's crash course is such a bargain And ex is sending me half of the money at the end of the month, plus a lot more for all the clothes & shoes I've bought for both girls since April.

    Tomorrow I will finally get my internet banking set up! It's been horrible not being able to access my account online the last 2 weeks! So I can't wait to be able to log on and then I'll be wishing time away so that I can get to work and update my spreadsheet!
    Mortgage: £88,000.00 £86,372.84
    Loan From Parents: £15,300.00 £15,000.00
    Emergency Fund: £250.00/£5,000.00

    New Car Fund: £250.00/£6,000.00
    Single mama to 2 little girlies
    • loopybecs
    • By loopybecs 27th Jul 18, 8:01 PM
    • 625 Posts
    • 2,313 Thanks
    loopybecs
    Currently feeling sorry for myself as my throat feels like I've swallowed some razor blades and my head is pounding There is going to be a thunderstorm I think which I'm SO looking forward to as this heat is just horrendous, but it does mean this headache will stay around for a while. Work yesterday and the day before was unbearable - the office was 32 degrees and I did the absolute minimum amount of work Thankfully I'm off now until 1st August woo hoo!!!! And it's meant to cool down this weekend, which means I can stop eating ice-cream for dinner

    The Eurostar tickets are now on sale for when we go and HOLY MOLY, they are SO expensive!!! £668 in total!! I'm not paying that so I've decided to wait until EasyJet release their flight tickets in October, and if they are also too expensive then I'll wait until January when Eurostar release their indirect tickets. I know that Disneyland isn't the cheapest holiday in the world but that doesn't mean I'm going to pay crazy prices when I don't have to

    In a mission to get the girls excited for Disneyland I've bought 4 DVDs... Cinderella, Frozen, The Little Mermaid and Beauty And The Beast. See a theme?! DD1 has had Frozen on twice today, and Cinderella. We decided to stay in after her swimming lesson as it was too hot to go out anywhere. We shut all the curtains to keep the flat cool & just relaxed all day. I even had a nap as I was feeling so rough & she just happily watched her films, did colouring, played with her toys etc DD2 went to nursery as it was better for her to be there playing with her friends than lazing here, she would've got extremely bored. Unfortunately Ex's DVD player is broken, but M surprised me with a brand new one yesterday! Totally unexpected & I was so chuffed Tomorrow night he is coming over to watch our favourite film (The Hangover. Hopefully we resist the urge to book a holiday to Vegas ) and he's going to cook us some Mexican food can't wait!

    My internet banking is all set up now unfortunately I won't have access to my budget spreadsheet until I go back to work. I'm already having withdrawal symptoms! HSBC also told me about an app that only works on iPhones that tracks what you're spending. It's called Connected if anyone is interested.

    DD2's nursery key worker has suggested we go from pull-ups to "big girl knickers" next week I think she's ready, she just needs a bit of encouragement as she's a bit lazy at times I bought a Paw Patrol toilet seat for her and Ex has a Minnie Mouse one so hopefully it won't take long to get her completely dry. It will be weird not buying nappies any more! I've been buying them for over 5 years

    I'm going to chill out now so that this headache goes away chat soon!
    Mortgage: £88,000.00 £86,372.84
    Loan From Parents: £15,300.00 £15,000.00
    Emergency Fund: £250.00/£5,000.00

    New Car Fund: £250.00/£6,000.00
    Single mama to 2 little girlies
    • Honeysucklelou2
    • By Honeysucklelou2 27th Jul 18, 8:44 PM
    • 1,068 Posts
    • 4,967 Thanks
    Honeysucklelou2
    Potty training is due to start here with my youngest DS. I keep telling myself it's the best time of the year to tackle it! Hope it all goes smoothly...
    paydbx #93 £804.50/£8,000.
    Loan £17k - paid off in Aug 2017. Home improvement loans £3342 March 2017. £2994 in Aug 18
    • Mumoffourkids
    • By Mumoffourkids 27th Jul 18, 8:53 PM
    • 683 Posts
    • 3,519 Thanks
    Mumoffourkids
    I'm potty training my son at the moment too. Well I say I am but in reality it is the nursery that are doing it as everytime I try at home he just has a temper tantrum. He is doing amazing at nursery though.

    Although I am thinking that if he does it, then my youngest is very likely to copy him. She already wants to sit on her potty if she sees him sitting on his potty. So I could have two trained very quickly and then only have to buy nappies for nighttime which would save an awful lot of money!
    Total debt Dec 2017 £23090.83
    SEP 2018 £0 100% paid
    Emergency fund £257.38/£600
    Total Savings £1672.07
    • loopybecs
    • By loopybecs 27th Jul 18, 9:20 PM
    • 625 Posts
    • 2,313 Thanks
    loopybecs
    Ahhhh good luck both of you!! Here's hoping it goes smoothly
    Mortgage: £88,000.00 £86,372.84
    Loan From Parents: £15,300.00 £15,000.00
    Emergency Fund: £250.00/£5,000.00

    New Car Fund: £250.00/£6,000.00
    Single mama to 2 little girlies
    • loopybecs
    • By loopybecs 29th Jul 18, 4:25 PM
    • 625 Posts
    • 2,313 Thanks
    loopybecs
    Another lovely weekend almost over! I'm just home from a baby shower and it was really nice seeing everyone My friend's bump is so neat & cute, not like mine when I was pregnant I had that whale look lol. She is being induced in about 2-3 weeks as she has gestational diabetes. I feel for her, as I was induced with DD1 due to GD and it wasn't fun. Well, it was fine until the final hour, then it didn't go to plan and forceps were needed. Hopefully my friend will have a smooth labour! The baby shower cost £9.25 as we had afternoon tea, and to be honest it was really good value for money so I wasn't mad.

    What wasn't good value for money though was M's dinner last night The food was delicious (he did chicken fajitas) but he spent £13 on ingredients!!!!!! That's twice he's overspent on food, and he's only cooked twice, so I can't rely on him any more as it's costing a fortune (I give him half). He didn't use the cheese he bought, or the sticky toffee puddings with cream, so he took them home with the leftovers and other ingredients (a bottle of sour cream, a bottle of guacamole, salsa, salad, wraps & the leftover chicken with peppers & onions). I had 2 wraps and that was it so it seems unfair that I have to pay £6.50! I might just give him less (I've not paid him yet) as he's had way more out of it than me. That probably sounds tight doesn't it, but he goes overboard and I have a very different financial situation - he lives with his mum, has about £30K in the bank, earns £9K a year more than me and has no kids. So spending loads of money on food doesn't bother him. Also, I provided the wine which probably cost the same as the amount of food I ate! Lol.

    After dinner we watched our favourite film & then I felt shattered so he left at about 10pm. I felt bad but he was fine with it. I had been up since 5:15am with the girls, plus had been feeling unwell. Luckily I'm ok now although I'm still tired.

    I'm off work tomorrow but apart from food shopping I have no plans so will just play it by ear I need to take meter reading for my gas & electricity. I need to for my water too but I'm a bit reluctant as the leak still hasn't been sorted. The other day my developer said he is looking for someone to dig a new water feed to my flat from the road to the lobby area. It's going to delay the car park remedials but they have no choice Hopefully he finds someone soon!

    3 sleeps until I can update my spreadsheet at work...
    Mortgage: £88,000.00 £86,372.84
    Loan From Parents: £15,300.00 £15,000.00
    Emergency Fund: £250.00/£5,000.00

    New Car Fund: £250.00/£6,000.00
    Single mama to 2 little girlies
    • Chrystal
    • By Chrystal 29th Jul 18, 6:06 PM
    • 402 Posts
    • 2,603 Thanks
    Chrystal
    Why did you let him take all the leftovers home with him??? AND if going halves why wasn't the wine included in the price??? Sorry to sound pedantic, but sounds as though he's taking advantage.
    I Believe.....
    That it isn't always enough, to be forgiven by others.
    Sometimes, you have to learn to forgive yourself.
    • loopybecs
    • By loopybecs 29th Jul 18, 8:26 PM
    • 625 Posts
    • 2,313 Thanks
    loopybecs
    I let him take the leftovers because they needed to be eaten today and I had plans for food already (the afternoon tea). I had the wine already to be fair, but that's not the point... I could've used that for another occasion.

    I've decided I'll give him £5, which isn't half of what he spent, but still more than what he should get based on what he actually used and how much I had, and next time I'll tell him I'm buying the ingredients. He's a bit of a foodie and likes to go "all out" which is fine if it's his treat, but when I've offered to pay half I expect him to be more frugal. I think he's forgotten what it's like to be careful with money.

    The other day we were chatting about Christmas markets and how we want to go to one... at first he suggested Berlin as he knew I wanted to go, but I said no, what with Disneyland being booked for April it's not possible. So then he suggested UK markets, fine, but he wanted to go to 3! None of them are local and one would require an overnight stay I had to remind him that I'm in no position to do all 3 and he understood, but I felt rubbish afterwards as I felt like I'm stopping him from doing what he wants. Then again he can always go with friends...

    I just worry that our lifestyles & priorities are different and that it'll cause disagreements in the future. He is good at saving, but considering he clears £2K a month and only £400 of that goes on board, his mobile phone, dog food, pet insurance and food for himself, it's not like he needs to budget hard like me. Saving £1K a month & having £600 to spend on luxuries is easy peasy! Not so much for me. He's house hunting though so it won't always be like this when he's back on the ladder.

    He is understanding most of the time & hopefully it won't cause any arguments, just sometimes I think he forgets that I can't splurge like he can. He is very generous often though, like the surprise DVD player the other day
    Mortgage: £88,000.00 £86,372.84
    Loan From Parents: £15,300.00 £15,000.00
    Emergency Fund: £250.00/£5,000.00

    New Car Fund: £250.00/£6,000.00
    Single mama to 2 little girlies
    • loopybecs
    • By loopybecs 30th Jul 18, 7:55 PM
    • 625 Posts
    • 2,313 Thanks
    loopybecs
    I've just paid my last big nursery bill EVER!!!! Woo hooooo!!! £811.20 a month that little darling has cost me for the last year and it's now going to go down to £103.15 a week I'm soooo happy!!! Of course, my tax credits will go down aswell, but I should still be better off!

    The other good thing to report is that I have finally sorted out my storage cupboard and have a nice neat pile of clothes & shoes in there to stick on eBay Whilst sorting it all out I found make-up (some of it was YSL!!! Sample size, but still!), skincare, jewellery, and unwanted gifts that would make awesome pressies! I had been looking for my Glam Glow face mask for ages, thought I chucked it out, and today I found it I was so happy! So now I need to actually put the clothes & shoes on eBay which I hate doing but needs must I also cleaned the bathroom & the bedrooms so will attempt to do the living room & kitchen tomorrow.

    DD1 is now booked in to weekly swimming lessons She will be going on Mondays at 4:30pm, meaning I need to try and leave an hour early if my mum can't take her (she's already said yes but obviously she might have plans sometimes). It's not a problem until she goes back to school but I'm hoping a Saturday slot will come up before then, and then I can move her. She can go swimming any time for free now too which is fab. I'm hoping Ex will take her on his days off as he's a much better teacher than me, I'm a non-swimmer

    M told our MD today that we are a couple & apparently he was fine with it. I feel relieved as I was worried he would start suggesting things like we could screw over the company with fraudulent activities, but he didn't. M told him that Ex knows but that's it and he thanked him for telling him. Phew! I told Ex and he said "Aw, did he say congratulations?" Always so sarcastic that one. He apparently struggled a bit this weekend and he's still not sleeping well. He's shattered. I just don't know what to do for the best. Being there for him might be holding him back from getting over me. Not being there for him seems so cruel though, and against my nature

    I spoke to my mum earlier and she said my grandad's health is declining rapidly, which made me really sad. He's almost 82 and is showing strong signs of dementia, and prostate cancer. He's diabetic, has mini strokes every now & then, and has poor mobility. My mum is going to round up her 3 siblings and discuss a care plan for him as he lives on his own and he could seriously hurt himself. He's my last grandparent, so I know it'll hit me hard when the time comes. He doesn't look after himself - he smokes, drinks & eats fatty food but I doubt he's going to see the point in changing now.

    In happier news, DD2 was dry at nursery until about 3pm, when she had 3 accidents in 1 hour bless her. We will try again! She's with me tomorrow so that should be fun She never goes to the toilet here so I will just play it by ear. Pray for me!!!!
    Mortgage: £88,000.00 £86,372.84
    Loan From Parents: £15,300.00 £15,000.00
    Emergency Fund: £250.00/£5,000.00

    New Car Fund: £250.00/£6,000.00
    Single mama to 2 little girlies
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