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  • FIRST POST
    • Bluegreen143
    • By Bluegreen143 4th May 18, 2:47 PM
    • 1,101Posts
    • 12,670Thanks
    Bluegreen143
    Getting & staying debt free, whatever happens!
    • #1
    • 4th May 18, 2:47 PM
    Getting & staying debt free, whatever happens! 4th May 18 at 2:47 PM
    Iím going to start this diary as my most frugal times have always been when Iíve been posting on this forum. I used to use the grocery challenge years ago and it was fab, but Iíve never stuck at it again.

    Some background:

    - Iím a stay at home Mum to my 2.5 year old son, and currently in the very early stages of pregnancy with our second child (shhh!) so sickness and tiredness is an issue right now when it comes to cooking

    - my husband works full time earning £1840 a month after tax/pension. Could sometimes work overtime at weekends.

    - I have a little part time work I can do in the evenings right now which earns me £150-200 a month and I should have this for another 6 months, and we get the usual child benefit at £82 every four weeks

    - total income roughly £2,050-2,150 a month

    - the bad bit - our debt is on two cards - one is at £2,131.94 and the other is £1,684.84. So £3,816.78 in total. I know some people have more but Iíve never had consumer debt since I cleared my student overdraft when I got my first job and Iím really upset and worried weíve allowed it to build up thankfully we have no other debt except my student loan which I donít intend to pay off early.

    - we do have just over £1,100 in an investment account. Itís not very easy to access as I need to set up the DD by sending in a paper form, but you can withdraw without penalty

    - we donít have a lot of spare cash to work with - here a rough breakdown of our expenses:

    Mortgage £725
    Council tax £140 (over 12 months)
    Home insurance paid annually, but about £12 a month
    Life insurance £15
    Car insurance paid annually, but about £50 a month
    Road tax paid annually, but about £11 a month
    Gas & electric £77.96
    Internet & phone £42.99 (this was £25 til last month so I need to switch)
    TV license £12.37
    My phone £34
    Husband phone £44 (these are both locked into contracts now for at least a year more)

    Around £1,165 total on bills

    This leaves £885 each month which needs to do credit card payments, food, petrol (luckily husband drives a work van during so it doesnít include commuting costs), clothes, doing stuff with my little boy, our own spending money, stuff for the house & garden etc. It looks like loads when I see it written down but it doesnít feel like it!

    Our strengths - Iím a pretty frugal cook/everything is made from scratch, we donít do expensive day trips, cinema etc, rarely eat out unless weíve been invited by family, donít get takeaways, donít buy branded clothes, I cut my own hair & LBís, we grow our own herbs, fruit & veg, we have chickens so have lots of eggs, we donít have expensive hobbies, use the library etc. When we socialise itís often inviting people round to ours or occasionally going to theirs which does save a lot.

    Weaknesses - we seem to have bought a lot for our house & garden lately - not expensive stuff but it adds up. Husband vapes and drinks quite a bit of beer (Iím reluctant to nag so much as he works very hard and doesnít ask for much, at least Iím not drinking now at all being pregnant!). Husband is brilliant at DIY and making things which saves a lot over getting them professionally done but means he does buy a lot of DIY stuff/tools. I have a weakness for stuff for LB as I like expensive wooden toys etc, Iíve stopped buying anything the last two months though. My biggest weakness is seeing ďbargainsĒ in Lidl and picking them up it used to be Amazon shopping but I gave that up at New Year when I realised about the debt.

    Fingers crossed - I should be inheriting some money this year from a deceased grandparent (itís going through probate now. This would actually clear the debt and more. Iím not counting on it as I donít have a definite amount yet and donít know when itíll arrive. Plus weíve clearly got into the debt by overspending so we need to address it by cutting back regardless what happens!

    Iím going to have a sit down tonight and look through my budget for this month again (I use YNAB so no excuse for not being on top of things really) and will post back with a plan of action
    Married 1 March 2014 DS born 06/12/15

    Debts
    CC - £2,182.17/£2,182.17
    Family loan 1 - £1,680/£1,680
    Family loan 2 - £3,500/£5,000
Page 2
    • Bluegreen143
    • By Bluegreen143 7th May 18, 10:45 PM
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    • 12,670 Thanks
    Bluegreen143
    Just sat and made meal plan & shopping list for this week - its only 6 days as I would normally shop on a Monday. Will get it at Lidl tomorrow.

    Tues - veg & chickpea curry

    Wed - spicy veggie pasta

    Thurs - fish pie (baked fish & chips for DH who doesn!!!8217;t like fish pie. I don!!!8217;t make it a lot but we will have SIL staying and she loves it)

    Fri - pork burgers, chips, coleslaw

    Sat - Moroccan chicken one-pot

    Sun - roast chicken

    Will update on spends yesterday. Hoping to spend under £40 on food.
    Married 1 March 2014 DS born 06/12/15

    Debts
    CC - £2,182.17/£2,182.17
    Family loan 1 - £1,680/£1,680
    Family loan 2 - £3,500/£5,000
    • Bluegreen143
    • By Bluegreen143 8th May 18, 11:12 PM
    • 1,101 Posts
    • 12,670 Thanks
    Bluegreen143
    Had a reasonably frugal day went to a park with DS, a friend and her toddler (the kind with streams and trees and mossy logs and tangled undergrowth, not the kind with swings and see-saws) and we had a lovely hour and a half rambling about, with DS enjoying getting muddy in puddles, playing with sticks and chasing ducks.

    In the afternoon I went to Lidl and Tesco, predominantly sticking to my list except getting a cat toy and new cat bowls in Tesco. To be fair the cat is quite neglected since my son came along and doesn't get much so I felt the toy was a justifiable expense.

    Here's what I got:

    Lidl

    Food - £38.38

    Potatoes 2.5kg
    Frozen sweetcorn
    Cauliflower
    Bananas 2kg
    Butternut squash
    Satsumas
    Onions
    Leeks
    Nectarines
    Mixed peppers 3pk
    Courgette
    Cucumber
    Gala apple bag
    Aubergine
    Garlic
    Ginger
    Cherry tomatoes
    Lemons

    Bacon
    Chicken legs 1kg
    Chicken sandwich meat 12slices

    Mature cheddar 350g
    Whole milk 4pints x2
    Unsalted butter
    Salted butter

    Sliced loaf x2

    Pasta 500g
    Basmati rice 1kg
    Dried apricots
    Oatcakes
    Tinned chickpeas x2
    Chopped tomatoes x3
    Cream of tomato soup
    Raspberry jam
    Peanut choco bars 6pk ** these and the next two items are for my husband's work van
    30pk own brand crisps
    Cola x3

    Husband's spending pot - £13.58

    Beer x12

    Household spends - £5.33

    Pullups for DS at night
    Dishwasher tabs 60pk

    Tesco - £15.15

    Pets - £11.65

    Cat litter
    Dry cat food 3kg
    Wet cat food 12pk
    Cat treats
    Cat bowls x2
    Cat toy

    Medical

    Vitamin D supplements

    All in all I'm pretty pleased, especially with the food spend as it's the first time it's been under the target £40 in a while. I hopefully won't need a top-up shop at all as I got two milks and two breads (half the bread will be frozen tonight).
    Married 1 March 2014 DS born 06/12/15

    Debts
    CC - £2,182.17/£2,182.17
    Family loan 1 - £1,680/£1,680
    Family loan 2 - £3,500/£5,000
    • beanielou
    • By beanielou 9th May 18, 10:55 AM
    • 58,080 Posts
    • 239,235 Thanks
    beanielou
    Well done
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. MFW 2018. No 144
    • Bluegreen143
    • By Bluegreen143 9th May 18, 2:04 PM
    • 1,101 Posts
    • 12,670 Thanks
    Bluegreen143
    Had to nip to Lidl again today - realised I had forgotten (own brand) Weetabix yesterday (cost £1.89). So much for no top up shops! That should be us though. I also bought a new tin opener because our current one, which is two weeks old (it replaced an ancient one which literally fell apart) doesnt actually work at all, I discovered today when trying to open a tin of tomatoes had to use a knife in the end! Moved the £2.99 from our entertainment budget to home & garden to cover it.

    Meeting some friends & toddlers this afternoon. Its in a park but as its pouring I think the meet up will happen in the coffee shop. This is why I budget a small amount each month in my LO/SAHM budget - it covers things like this or going to soft play or playgroup. Will update tonight once I know what we have spent.
    Married 1 March 2014 DS born 06/12/15

    Debts
    CC - £2,182.17/£2,182.17
    Family loan 1 - £1,680/£1,680
    Family loan 2 - £3,500/£5,000
    • Bluegreen143
    • By Bluegreen143 10th May 18, 7:54 AM
    • 1,101 Posts
    • 12,670 Thanks
    Bluegreen143
    Spent £6 from our SAHM/toddler budget on hot chocolate & a pastry on our play date yesterday.

    YNAB categories

    Spending - needs

    Petrol & parking - £10.05/£50
    Food - £44.67/£120
    Household - £5.33/£18.51
    Pets - £11.84/£20
    Medical/dental - £6.49/£6.49
    Clothes - £35/£40

    Spending - wants

    Husband spends - £13.58/£75
    My spends - £0/£0
    SAHM/toddler - £7.50/£34
    Entertainment - £41.24/£47.01
    Home & garden - £2.99/£2.99
    Charity - £0/£0

    Cant remember if I said yesterday that I returned those flip flops to Tesco so thats £5 back in the clothing budget

    Today likely to be a quiet day - meant to be going a walk with a friend but she cancelled. Will probably take to toddler to local park and/or library so likely to be no or minimal spends. If I have the ingredients I will make some play dough - otherwise we can do painting if he needs entertaining.
    Married 1 March 2014 DS born 06/12/15

    Debts
    CC - £2,182.17/£2,182.17
    Family loan 1 - £1,680/£1,680
    Family loan 2 - £3,500/£5,000
    • beanielou
    • By beanielou 10th May 18, 9:34 AM
    • 58,080 Posts
    • 239,235 Thanks
    beanielou
    I used to like making play dough with my DS
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. MFW 2018. No 144
    • Bluegreen143
    • By Bluegreen143 10th May 18, 4:19 PM
    • 1,101 Posts
    • 12,670 Thanks
    Bluegreen143
    It is fun isnít it Beanielou? I didnít get round to making any today but will tomorrow afternoon after playgroup I think.

    No spends from me today, yay! Just a lazy day, spent most of the morning pottering, doing housework etc then I took DS to the library this afternoon for some new reading. Also got myself an interesting-looking new budget cooking book called ďHome EconomicsĒ - the lady has a blog I think. I read about her online so reserved the book to try out. If I love it I may buy it further on down the line but you canít beat free from the library!

    DH was home early today so he is playing in the garden with DS while I am having a rest. Feeling very sick indeed today as Iím worse in the afternoons, I made a wee fish pie for DS and I this morning so I can just bung it in the oven. Lots of extra veg in it and sweet potato mixed in the mash on the top DH wont eat fish pie so I defrosted an extra salmon fillet and cut him up some chips so thatíll be easy to all bung in the oven together (or he can deep fry them himself if he wants).

    Just checked DHs bank account and theres a couple of spends I need to check with him before putting in YNAB. Annoyingly two Lidl spends we need to work on him nipping to the shop. Not sure whether they were food or beer which impacts what budget they come from. I think the shops must have happened before I did my YNAB fresh start the other day but annoyingly hadnt come off yet.

    Should be a cheap day tomorrow - £2 entry to playgroup. Its my turn to open up and do snack but you claim the cost back. Theres usually leftovers to take home but I take less cash back to account for this (Im also temporarily the treasurer and I know the figures are not good, we are at risk of closing) so may have a small spend to go on our food account.
    Married 1 March 2014 DS born 06/12/15

    Debts
    CC - £2,182.17/£2,182.17
    Family loan 1 - £1,680/£1,680
    Family loan 2 - £3,500/£5,000
    • beanielou
    • By beanielou 10th May 18, 8:28 PM
    • 58,080 Posts
    • 239,235 Thanks
    beanielou
    Libraries are great for trying books out
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. MFW 2018. No 144
    • Bluegreen143
    • By Bluegreen143 10th May 18, 10:15 PM
    • 1,101 Posts
    • 12,670 Thanks
    Bluegreen143
    - cancel Spotify
    - sit down with DH to apply for 0% balance transfer card in his name to move balances too (worried I won't get accepted now as a SAHM though they're both currently in my name, he's more than happy to move them to his name as it's both our debt. Our finances are totally shared) DONE tonight and accepted for 25 month interest free Barclaycard with transfer fee to be credited back. Transferred the Halifax balance initially as wasn't sure how much I could get. But his credit limit is enough for both cards so I will transfer the Tesco one too. I plan on closing the Tesco card, I'm keeping Halifax open as it's my oldest credit card/will be my only one when I close Tesco, but plan to just keep it in my drawer and use for one transaction a month or so to keep it open
    - shop around for a new internet package as our initial introductory offer has ended
    - return unwanted flipflops from earlier to get £5 back
    - pay Tesco card - done before I saved this post
    Originally posted by Bluegreen143
    Just to note that I did the broadband switch tonight - will be dropping from £43.99 to £20 a month and twice as fast I forgot to say before I also returned the flipflops in question the other day. Also just cancelled my Spotify premium account saving £9.99 a month - I will really miss this one but will do without for now. I've cancelled it before and it's no problem going back to it and cancelling as it's all a flexible contract anyway.

    Had to move some money about in YNAB to account for the spends from before my fresh start that popped up from Lidl (one was a mini food shop I'd mentioned on here, the other was beer for DH) and because I'd forgotten we haven't paid yet for our private scan on Saturday (£40). Means every category is SUPER tight but I'm determined to get to payday without adding to the credit card or stealing from our savings pots. It will help when I get my pay for this month from my side job - hoping I get it sooner rather than later as the payment date can vary. Here's an update on our categories:

    Spending - needs
    Petrol & parking .................... £10.05/£35
    Groceries (food) .................... £51.24/£120
    Groceries (household)........... £5.33/£18.51
    Groceries (pets) .....................£12.22/ £20
    Medical/dental ....................... £6.49/£46.49
    Clothes .................................. £35/£35

    Spending - wants
    Husband ............................... £35.13/£70
    Me ........................................ £0
    DS/SAHM budget ................. £7.50/£23.85
    Entertainment & socialising .. £42.39/£42.39
    Home & garden .................... £2.99/£2.99
    Charity .................................. £0
    Married 1 March 2014 DS born 06/12/15

    Debts
    CC - £2,182.17/£2,182.17
    Family loan 1 - £1,680/£1,680
    Family loan 2 - £3,500/£5,000
    • Bluegreen143
    • By Bluegreen143 10th May 18, 10:31 PM
    • 1,101 Posts
    • 12,670 Thanks
    Bluegreen143
    ARGH! So frustrating! I thought my gas & electric payment had come out before I did my fresh start but it hadn't. Had to move a bit around including taking a good bit of it from our Christmas fund this has taught me to be very careful with accounting particularly when starting mid-month! How frustrating. Once this first couple of weeks has passed and DH has been paid we should be able to cover everything and make extra payments on the debts too.
    Married 1 March 2014 DS born 06/12/15

    Debts
    CC - £2,182.17/£2,182.17
    Family loan 1 - £1,680/£1,680
    Family loan 2 - £3,500/£5,000
    • beanielou
    • By beanielou 10th May 18, 10:40 PM
    • 58,080 Posts
    • 239,235 Thanks
    beanielou
    So annoying.
    At least you have it sorted out.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. MFW 2018. No 144
    • Bluegreen143
    • By Bluegreen143 11th May 18, 2:24 PM
    • 1,101 Posts
    • 12,670 Thanks
    Bluegreen143
    Yay! Was talking about this situation with my mum and she offered to lend me the money to clear the Tesco card and I can pay her back in a few months with the inheritance I!!!8217;m expecting. She thought it!!!8217;d be easier to focus on just throwing everything at the other debt and get that cleared and this way there!!!8217;s no interest to pay. If there was an issue with the inheritance I!!!8217;ll clear my £1,100 savings to pay her most of it and then set up a standing order for a small amount each month. I don!!!8217;t have any reason to think there will be an issue but it makes me feel better to have a plan for either way.

    So debt now as follows:

    CC (Barclaycard) - £2,182.17 (0% deal for next 25 months).

    Mum - £1,680 (no rush to pay back right now or interest charges)

    MIL - £3,500 (ditto no rush to pay back or interest charges)

    The good thing about my mum lending me the money is I feel much more accountable and determined to turn our situation around when I owe her money instead of Tesco Bank - I!!!8217;m so grateful and I certainly won!!!8217;t be using the cards again as I!!!8217;d have to fess up to her!

    Plan of action - tackle Halifax and I!!!8217;d love to get it paid off before Christmas when this baby is due! I should be able to pay it all off when this inheritance comes in as it ought to be enough to pay it all plus a holiday - but even without accounting for that I want it gone ASAP.
    Married 1 March 2014 DS born 06/12/15

    Debts
    CC - £2,182.17/£2,182.17
    Family loan 1 - £1,680/£1,680
    Family loan 2 - £3,500/£5,000
    • Bluegreen143
    • By Bluegreen143 13th May 18, 12:22 AM
    • 1,101 Posts
    • 12,670 Thanks
    Bluegreen143
    Just a quick update Had a couple of spends today which I!!!8217;ll sit down and update on YNAB and here tomorrow, just off to bed now. Included £40 for private scan which showed a healthy baby, yay husband had to buy some wood screws and I got a couple of bits from the food budget too.
    Married 1 March 2014 DS born 06/12/15

    Debts
    CC - £2,182.17/£2,182.17
    Family loan 1 - £1,680/£1,680
    Family loan 2 - £3,500/£5,000
    • RhiBi
    • By RhiBi 13th May 18, 9:18 AM
    • 613 Posts
    • 1,768 Thanks
    RhiBi
    Fantastic news on the scan, congratulations x
    Virtual Sealed Pot 2018 #7 £352.26/£350

    1 debt vs 100 days £673.72/£1000
    • Bluegreen143
    • By Bluegreen143 13th May 18, 10:28 AM
    • 1,101 Posts
    • 12,670 Thanks
    Bluegreen143
    Just sorting out what we've spent over the last couple of days:

    Friday

    £3.20 - £2 entry to playgroup + a pack of biscuits to donate in
    £?? - I know husband bought a bottle of vodka, I think that was all, but it's not showing on his statement yet and he's still in bed as little monkey is at his grandparents' house. Need to get DH trained to keep receipts again! Will update once I've spoken to him.

    Saturday

    £40 - private scan cost
    £11.43 - on wood screws - unbudgeted for, but DH insists they are necessary for a project he wants to do today. TBF it's a good day for him to do it with little monkey away
    £19.98 - petrol which should do us til next payday especiallu if I'm careful about how much I'm driving
    £6.90 - Tesco - I was feeling very queasy and food-averse yesterday but on the way home got a craving for noodles (not the lovely fresh kind). I NEVER buy junk food for myself so DH was gobsmacked when I came in with 4x pot noodles and a bag of onion ring crisps. Also bought coffee as DH running out.
    £?? - DH got a taxi home from his friend's poker night last night. They don't play for money and his friend kindly picked him up so that will have been his only cost minus the vodka he's already bought.

    Once DH is up and I've fully updated YNAB I will come back on to update my categories.
    Married 1 March 2014 DS born 06/12/15

    Debts
    CC - £2,182.17/£2,182.17
    Family loan 1 - £1,680/£1,680
    Family loan 2 - £3,500/£5,000
    • Bluegreen143
    • By Bluegreen143 15th May 18, 1:45 PM
    • 1,101 Posts
    • 12,670 Thanks
    Bluegreen143
    Did the weekly mealplanning and shopping yesterday. My mum and sister have very kindly cooked me some meals to help as I'm feeling so nauseous, so I'll be using those up over the next couple of weeks - they've been delicious so far

    Weekly mealplan
    M - veggie lasagne (made by my sister)
    T - tuna & cheese baked potatoes
    W - slow cooked veg pasta (from freezer)
    T - corned beef hash
    F - HM pizza
    S - cottage pie (made by my mum)
    S - out for a family lunch so will probably just have soup or sandwiches if we're hungry later

    As you can see, I'm trying to reduce actual cooking as much as possible. Hopefully this nausea passes ASAP and I can get back to my OS ways in the kitchen! As you'll see from my shopping below, I've bought more snacky things than usual too, though nothing too budget-busting

    Here's what I bought yesterday at Lidl:

    Food £30.74
    Cola x2
    Whole milk 4pt x2
    Pasta shapes x2
    Ice cream
    Own brand Twixes
    Lettuce
    Cucumber
    Carrots
    Family pack ham
    Bananas
    Baby plum tomatoes
    Mushrooms
    Oatcakes
    Broccoli
    Tin tomato soup
    Tin baked beans
    Tuna 4pk
    Corned beef tin
    Passatta
    Grapes
    Mozzarella
    Pineapple
    Potatoes
    Greek yoghurt
    Lemons
    Bread
    Salted butter
    Pears
    Orange squash

    Household 39p
    Shower gel

    Husband spends £13.58
    Beer x12

    I also went to Tesco and spent £13.40 from my birthday gift fund on a gift for BIL's girlfriend's birthday and a wee plant for husband's aunt's birthday. I keep a stock of cards I got cheap so no need to buy those.

    Will update YNAB category balances tonight as I've moved things around a little.

    I have to confess to a silly thing I've done my part time work from home is pretty handy but I need to log a minimum of 5 hours a week (but I can only do one hour a day). This week I entirely forgot about it on Saturday so I haven't met my minimum hours. When I've not met it in the past I've just had a warning but there is always the chance I'll be taken off the project so do keep everything crossed for me. It's awfully dull but the extra £150-£200 a month is needed at the moment!
    Married 1 March 2014 DS born 06/12/15

    Debts
    CC - £2,182.17/£2,182.17
    Family loan 1 - £1,680/£1,680
    Family loan 2 - £3,500/£5,000
    • redofromstart
    • By redofromstart 15th May 18, 2:47 PM
    • 2,010 Posts
    • 12,482 Thanks
    redofromstart
    I used to do some home based internet work ' tedious' as it was accurately known, mine died a death when the project got pulled but I feel your pain. Hope they just 'remind' you.
    • beanielou
    • By beanielou 15th May 18, 5:47 PM
    • 58,080 Posts
    • 239,235 Thanks
    beanielou
    Hope the project works out.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. MFW 2018. No 144
    • Bluegreen143
    • By Bluegreen143 15th May 18, 8:15 PM
    • 1,101 Posts
    • 12,670 Thanks
    Bluegreen143
    Thanks ladies. A tiny part of me wouldn't mind as it is just so dull (tedious is the right word Redofromstart!) and I'd love to get than hour each evening back - but I did promise DH I would try to earn some income when I became a SAHM and I can't find anything else so easy & flexible that pays £10 an hour.
    Married 1 March 2014 DS born 06/12/15

    Debts
    CC - £2,182.17/£2,182.17
    Family loan 1 - £1,680/£1,680
    Family loan 2 - £3,500/£5,000
    • beanielou
    • By beanielou 15th May 18, 8:20 PM
    • 58,080 Posts
    • 239,235 Thanks
    beanielou
    Thanks ladies. A tiny part of me wouldn't mind as it is just so dull (tedious is the right word Redofromstart!) and I'd love to get than hour each evening back - but I did promise DH I would try to earn some income when I became a SAHM and I can't find anything else so easy & flexible that pays £10 an hour.
    Originally posted by Bluegreen143
    Wish I could find something easy & flexible that pays 1o quid a hour.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. MFW 2018. No 144
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