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Archive for July, 2016

This & That

July 26th, 2016 at 06:21 am

I spent some time looking online at washing machine parts. Luckily, I haven't had to buy any yet. Fingers crossed.

I applied for a zero percent card for hubby but was declined. At least I tried, I'm telling myself. The debt will stay on his credit card.

I've installed a new budgeting app, Wallet. I like this one better than the others so far.

My mum text me to ask who she banks with, or rather confirm their name. She disagreed with me at first but then realised I was right.

We're all going on a trip this week with the toddler group I take J to. It was only 20gbp for us all. Going ourselves it's 13 per adult, so already we're saving a lot. I need to buy snacks to take with us.

Funds

July 23rd, 2016 at 07:27 am

I've got two different savings funds to keep track of now. I was going to write it down in a notebook, but thought I'd keep track on here too. They're in the same savings account.

EF:

125.11
+19.50

________
144.61

Holiday Fund: 40.00

Tota savings: 184.61

During the first few months of the year when we were struggling, I withdrew money from the EF. Slowly trying to replace that.

Payday

July 22nd, 2016 at 07:46 am

It's payday. I went shopping. I spent 48.xx in lidl. I got a taxi back. Another six pounds.

I really want us to visit hubby's grandpa next year. I checked out train fares. Today I put aside forty pounds towards it. I still need to talk to him to arrange it.

I'm having some issues with my mum. I've been dealing with her finances for years. The other day she was really moody with me over her money, when I had done exactly what she asked me to do (transferred x amount to savings). I told her she can deal with her own finances now, I don't know how I ended up with the job in the first place. She needs to get a handle on it, it's not my responsibility.

A few updates

July 19th, 2016 at 06:56 am

It's been a while.

Our washing machine has been acting up, so hubby has been watching videos on YouTube. He's attempted to fix it a few times but there's still problems. I'm hoping we'll only need to buy a part to fix it.

We still have about five hundred pounds worth of credit card debt that J added on (by buying add-ons on Google play). I want to get a zero percent card for it so it doesn't impact debt payoff.

Hubby used all of his catalogue rewards to buy some household items: bath mats, shower curtains etc.

Speaking of hubby, he's noticed his tablet is really slow compared to mine. He knows we'll have to save up to replace it. It won't be anytime soon.

I want to get a wireless keyboard since we can't afford to replace our laptop yet. A new laptop is ages away yet, but it can go on the list.

Update

July 10th, 2016 at 01:40 am

After days of me pestering him, hubby finally spoke to an adviser from Google play this morning. He agreed to refund the last fourteen transactions, which is a grand worth. Hubby didn't think any of it would get refunded.

I'm so pleased. However, I still want to transfer the rest to a zero percent card.

I've started the process of switching husband's bank account. There's a chance we could be moving again so I'll put the money aside for that.

I had fraudulent activity on my account again. The bank refunded the money.

I'm doing some overtime tomorrow, I was stressing about the credit card so I agreed to it.

Speechless

July 7th, 2016 at 01:29 am

There are no words.

Everything was great, or so I thought, until two days ago. J has a bad habit of clicking or rather, just touching stuff on hubby's phone. I actually had to transfer extra money to hubby's bank account a few weeks ago because J had bought a few games (clicked on the ad, that's all) Hubby said he would link his Google account with his credit card in case it happened again.

I thought I was being pretty observant, taking the phone off him whenever I noticed that he had it. Then the screen on hubby's phone broke and he started to use his old phone. But then he seen some games were downloading. I asked him to check his credit card balance online. Lol and behold, over 1k worth of transactions. A lot of them were 79.99 transactions.

So now I have extra debt. Unwanted debt. This was not part of the plan.

I have to check Husband's credit rating and try to get it transferred to a zero percent card.

This is a big bump in the road. I'm just hoping it won't derail me too much.

Hello July

July 3rd, 2016 at 06:15 am

I can't believe that it's already the third of July!

Well, I met VS last week. Actually, I met her and her friend. I brought hubby and the kids with me, so they got to meet her too! I told SG that morning that we were meeting my friend from Australia, so she was excited. I don't think she understood how far away Australia actually is, but I think I got my point across.

The meeting went really well. We met in a pub in Edinburgh for lunch. We were there for a few hours, just chatting. Near the end the kids got restless but overall they were OK. I thought it was going to rain that day but it didn't, so we were blessed with a dry day.

I don't have an exact total but I think I only spent over 40gbp, for lunch and drinks (wine for me, two beers for hubby) and travel. We had frozen pizza for dinner that night since I knew I wouldn't want to cook, the kids were supposed to have leftover macaroni but they filled up at lunch so they just had a sandwich.

I thought we were going to be moving soon. However, hubby went to see the place and we drew up a pros and cons list later to help decide. The cons outweighed the pros so we're staying put.