It's been a tough month. I've completely blown my very low budget of 80gbp for food shopping, withdrew some cash from savings and borrowed some money from my mum. Ugh.
I don't know how on earth I'll reach any of my goals if we keep on like this.
I redeemed 3.00 rewards from my survey today and I'm almost at enough Swagbucks for 5.00 PayPal. When these come through I'll put them towards Jason's cot that km paying off so I don't miss the deadline (29/4)and it gets added to my catalogue bill. I was debating whether to put it towards my credit card, bank of Scotland, but this is more important right now,
I'm thinking from June onwards I'll put any snowflakes towards Christmas shopping.
I'm going to make a note of how much I owe to savings. I really don't know if I'll get it paid back this year. I hate owing myself money. I worked hard to save it.
I'm on the lookout for a new job, work is getting me down.
Hubby has been invited out by his friends. We really can't afford it but I want him to go because it's been over a year since he's seen them.
Viewing the 'Spending' Category
It's been a tough month. I've completely blown my very low budget of 80gbp for food shopping, withdrew some cash from savings and borrowed some money from my mum. Ugh.
It's been a while again.
SG's birthday is soon. We used catalogue rewards (so zero out of pocket) and high street vouchers to get her gifts. My only actual spending has been on buying her card and ingredients for the cake, which I'll buy tomorrow.
I installed a budgeting app on my tablet. My only complaint is that I can't set it to four weekly payments.
I set an unrealistic grocery budget of 80 and unfortunately I'm over by 3.xx with over two weeks to go. I will of course use what we have first before buying anymore.
I had to decline a wedding invite from a friend from school. I'm surprised we got invited in the first place, I haven't seen him in years. He was at our wedding though. To go to his wedding it involves a lot of travel and staying in a hotel or something. I had to tell him about hubby quitting his job. I really would have loved to go. He was supportive of my decision and told me that I would be missed. He did say that hubby is invited to the stag do though.
Hubby is going to be quite busy soon I think. He recently got back in touch with a few of his close friends. They didn't seem to know about major life events that had been happening with each other, they do now though. They had a good catch up and seem to be checking in with each other daily. I like those kinds of catch ups. They have invited him out soon.
A few days later I had my own catch up with my friend so it worked out quite nicely.
Found out from my mum that her and her siblings are splitting the cost of my uncle's funeral.
One of my friends is in hospital right now. She has a chronic illness. I have been texting her,i think she would go stir crazy otherwise.
I downloaded Swagbucks TV onto my phone, anything to get more money to put towards debt.
I think that's all for now.
Met my friend for lunch yesterday. Spent 15.00 exactly. We went to a relatively new place, it was really good.
Found out at work that we're not getting a 20GBP gift card at Christmas. I've gotten it every single year since I've been there. I was going to count it as a snowflake as well. Oh well, I'll need to think outside of the box.
Dh and I always go Christmas shopping together, well, all of us go. We can't this year now that eldest is actually aware of everything. The plan is to divide and conquer.
For the past two months I haven't collected my payslip at work. I know what I've been paid anyway. However, it is a bit lackadaisacal of me to not collect it. Yesterday I got them. My rate of pay increased at the start of the month. Obviously, it increased so much I noticed. Nope. I had an inkling it might have increased, only because it happens every October.
I'm getting the impression at work that things are not going well. At all. I wonder if redundancies are in the future? This happened to lots of management years ago. I'm not exaggerating; a ton of them went. I remember coming back from maternity leave and noticing a lot of people were gone.
At work yesterday upper management kept getting my name wrong, or my nickname rather, so I assumed he must have been talking to my former supervisor who always uses my nickname. Before he used my full name. He only got one letter wrong but I think I missed my chance to correct him since when he first did it I was dealing with a customer and I didn't think he was talking to me - since it's not my name. Never mind.
My mum told me last week that she is saving up for her funeral. Told me she doesn't want to leave me with the burden of it. (She's fine, she was just talking to her friend about it)
The clocks went back. It didn't feel as bad as last year though when I was still doing night feeds so it's not been too bad.
It's been a few weeks since my last update. I'll try and remember everything I wanted to write about.
We've just been plodding along here.
I've been making more of an effort to track spending, especially miscellaneous spending. So far this pay, almost two weeks in, miscellaneous spending has included a bake sale at SG's nursery to raise money for charity, a sponsored walk to raise money for her nursery, a magazine for me and a few impulse purchases at the checkout.
I seem to be blowing my way through the food budget. I have been doing my best to meal plan again recently and use things up. Maybe it's time to increase the budget. I'll admit though I have noticed that I have been spending more on food in an effort to gain weight and return to my former self.
I started Christmas shopping. I used 24GBP worth of catalogue rewards to get the kids something, so it was essentially free.
Speaking of the catalogue, the minimum payment is now at double digits. I can't remember the last time it was this low. I will enjoy it while it lasts since my horrendous BNPL item will be added on in December, and that will add 44.xx to my minimum payment.
I don't know my snowflakes total for the month. However, I did finally get all of the money transfered to debt and savings for the month. I am stil getting bored of doing surveys, although I did do one yesterday which shoudl reap rewards soon.
I've saved the best news till last: I finally hit 300 in the emergency fund!
Over the past few days I've spent about sixty pounds on shopping. The first lot was buying more cold and cough medicines, and other stuff, for the ill household. Plus milkshake complan. Lots of that. I keep wiping the shelves out when I see them. It's 1.43 a carton, on sale just now. It's also over 200 calories each, so totally worth it.
The second lot was on food and snacks. I've been buying lots of snacks recently.
Posted a parcel the other day. That was planned spending. I already knew how much it was going to be when the cashier told me.
I had enough Swagbucks to redeem a five pound paypal reward. That, plus the survey reward when it credits, will be going to debt payoff and my emergency fund.
Today is payday, but I have a few things to update first.
My impulse spending still seems to be happening a lot. It's mostly something for lunch after work, or out for lunch with the kids, like we did on Monday. Mostly my reason for it is to get something to eat on the way home from work because I'm usually starving by the time I finish. I need to start packing something to eat on the way home.
Speaking of work, the trousers that I wear at work are becoming a bit of a nightmare. Or rather, they have been like that for a while and now it's really starting to get to me. On Monday night I decided that I was definetly going to buy a new pair after work on Tuesday. It means going into the shopping centre and I can never be bothered, but I thought I'd definetly make myself go then.
Well, it never happened. I was three hours into my shift at work when I fainted. The first aider at work decided to call an ambulance. They came out, spoke to me about my weight, blood sugar etc and told me to get an appointment with my doctor. I was lucky enough to get an appointment that day. When I seen the doctor he told me to keep a food diary and come back in a few weeks. As per recommendation, I've now joined my fitness pal to keep track of calorie intake.
I thought I'd lost my bank card but I found it this morning.
I recently qualified for one of those mum surveys. 5gbp reward, so I should have that soon. My Survey emailed me because I haven't been attempting surveys recently. I attempted a few so that's sorted now. My attention seems to be either on surveys or swagbucks, I don't have time for both.
Yesterday I checked my bank balance only to realise that I still had money left over before payday. I transferred some to my emergency fund .
Today I woke up and seen that my pay was less than normal, although I think I was late a few times. It's not drastic though so we'll be fine.
I paid minimum to BOS this morning. I've also paid Christmas savings. I think there's only one pay left of paying them, I'm going to double check. There's possibly only three or four more paydays until my huge buy now pay later (BNPL) item gets added on.
It's dh's birthday next month. It's over four weeks away so we'll be paid before then. Any meals out will come out of that pay, unless I manage to keep money aside from this one.
We've almost finished the last of the meat from the huge order I did online a while ago. I'll have to actually buy meat this pay period.
My day started almost four hours earlier than I would have liked. This was due to a combination of factors. It was my first time going to work having been up so early. My only issue was whether or not I would fall asleep on the bus (the first bus of the day is really boring) but my phone survived the bus journey, thankfully. I need to remember and charge it.
Nobody noticed at work which was good, although I did explain to my suprvisor later. She was fine and gave me an easy job in the afternoon.
After work meant some shopping. Spent 37.xx. This included a family ready meal because I knew I was too tired to cook from scratch.
Checked my email and my phone bill is under the budgeted amount. Snowflake.
Yesterday I took SG to the library and to our local cafe for some mother-daughter time. I spent 7.70.
I came home, ready to take J to baby group, but he was asleep. When he woke up I took him for a walk. I also went to the post office to send back the terms and conditions for the Nationwide credit card, which finally arrived.
Today's spending has been minimal: bought a sandwich, fruit and a bottle of water (3.xx) after work since I was planning on getting dh's card. I didn't like any of them, so that was a wasted trip. I'll probably just order one online. I then went to the Vodafone shop to get a SIM for the phone that dh bought for my birthday, which I haven't used yet. That was a success.
I found a cheque for 4.99 from the utility company. I deposited that via the ATM while I was there. For the sake of easier accounting, I'm just going to count is as a 5GBP snowflake.
Dh's present arrived today. The one that he picked, that is, not the one I wanted to get him. I'm still waiting on that one.
I've updated my sidebar to include the new catalogue balance.
"It's a well-known fact that as soon as one area of your life comes together, the other starts to fall apart "
I think Bridget Jones said that and I'm beginning to think she has a point.
One area I'm having problems with, the other is going just fine.
I've not properly been keeping track of spending like I was doing a few months ago. I like to think I've got certain categories sorted such as debt repayment and groceries. It's the little things like impulse buys and gifts that get me sometimes. However, I haven't put anything on a credit card so I'm declaring this area a success. I must be doing something right. Mind you I've not touched my card in years so that's probably not the best way to measure it.
As for sleeping, well that's a whole other story. I keep waking up really early. In the past I would have put that down to stressing about debt but I'm not. I've got no idea, I just hope it sorts itself out soon. Early morning tv isn't fun. And everyone else is asleep.
Today I paid two weeks worth of rent. That should be my only spending today. I'll write a shopping list soon for next week soon to limit impulse buys.
Its almost time for some more mother-daughter time. I'm thinking we'll bake this time.
I can't believe it's the first of August tomorrow. July was definetly a quick month!
I don't think I posted about this the last time I updated, but a few weeks ago dh got a letter saying that his catalogues were merging. He is essentially paying the same company twice. Want to give them all of your money? I hate it. It gets worse... the icing on the cake is that he told me he couldn't remember one of his account numbers (he usually signs in with his email) so he was late with the payment. Did you check the shredding pile (huge bag!) No. He knows that every time we get mail - if it isn't junk, that goes straight to recycling - it will be in the beside the shredding. He came back a few minutes later with a statement.
Dh is still at me to get a best friend. Sure, I'll just magic one up. I think he forgets that you can't just become friends with people overnight. He's got a few group of friends, some of the newer ones work in the same place as us. Unfortunately, unless I suddenly become interested in gaming, I can't claim them as my own. Whenever I see them, they'll ask "How's [Dh] getting on with x game?" I don't know; aren't you playing the same game? Honestly. "Tell him I'll be online later" Ok, but you've probably already told him.
Then there's one of his oldest friends, who is completely not interested in gaming or anything else for that matter. We get on well. In fact, I remember meeting him for lunch when I was on maternity leave with SG and during my last maternity leave, he could always be relied on to ask how I was getting on with the *three* kids. Not good, want to take one of them off my hands? He has recently set up house, so I foresee a wedding in the future.
I spent a while this morning thinking about how much to pay to cc#1. I decided on 39.09 because the number it's at right now - 1629.09 - is bugging me.
Why didn't I put any of that energy into cc#2? I'm still hoping I will be able to do a balance transfer soon. I had to get in touch with Nationwide again because I still haven't received the paperwork. The woman was worried because it's been sent twice, but I never get it. If I don't get it within the next 3-5 working days I've to go into the branch.
If I do have to go into the branch, I'll get dh's birthday card while I'm there since I have to walk past the shop anyway. He told me what he wanted me to get him, but I ordered him something online from the kids yesterday. I saved 20%, or 4.58, so that is counted as a snowflake. It's going straight to my emergency fund.
Here's my snowflakes for this month:
8.25 Approved Food discount
3.50 Tesco coupon
2.50 Opinion Outpost rewards
15.00 Swagbucks rewards (paying myself back)
3.00 MySurvey rewards
4.58 20% discount savings
This is my best month yet! Of course, it helps that I paid myself back for Swagbucks a few months ago.
My total snowflakes YTD are now sitting at 165.07.
I think it's safe to say that July shaped up to be a good month.
As the title suggests, it's raining today, so we never went out. Instead, my mum came here. I'm not going to lie, it wasn't a fun visit.
Before my mum left, I decided that I really had to get some stuff at the local shop. She decided to come with me rather than heading straight home. On the way there I was made to feel 18 again as I answered questions such as:
"You always go shopping"
"Are you going to manage to carry it home?" It's five minutes away.
"Have you put on any weight yet?" No, not in the last two weeks!
"Are you and [close friend] getting on ok?" Why would you ask that? Are you and [her best friend] getting on ok? She was surprised I asked. It's a two-way street.
"I know that Dh gets on with [close friend]" So...
Eighteen year old SG would have just taken it but 30yo me actually had some answers.
I spent 16.xx, which is more than I thought, but I added biscuits and donuts to the list.
I also posted the parcel to the woman in England today. It was only 2.80.
I just wasn't in the mood today. Started off the day by hanging out with J in the livingroom after his 4.30am wake-up call. He obviously didn't realise it was Saturday (get to sleep till 5 then, apparently). As it turns out, my alarm only attempted to go off - so it is a good thing he woke me up.
At work I met the two new people that started, so I'm no longer the new one. They're making me feel old though, as one of them is only seventeen. I'm not sure about the other one, but we might not talk a lot if he spends every break listing everything he hates about specific sports/reasons why certain "sports" aren't sports.
After work I spent 6.42 I think getting some fruit and veg. I completely forgot to start my extra Christmas savings.
I seen Dh for a few hours when I came home. He's away to someone from work's leaving night. With the bus ticket.
I need to come up with a meal plan. I'm defrosting meatballs for tomorrow, and some mince for J. We'll have spaghetti tomorrow.
Hope everyone is having a great weekend!
I've been picking up little shops after work, usually between 10-12GBP.
A while ago, I redeemed 25 Paypal rewards from Swagbucks. I sent 10 to debt/EF but I kept the other 15 in the bank because I was a bit short. That was months ago, but I finally paid myself back this morning. And now my emergency fund looks better for it.
I've been feeling a bit rundown these past few days. I think I just need to start taking better care of myself.
I was talking to my co-worker the other day and I realised that he has the same birthday as Laura/KeepingItFrugal. At least, I think he does. 15th December, am I right?
I need to catch up on the blogs. I've been skimming but not reading properly if you know what I mean? I like to know what everyone's up to.
We're taking SG to get her feet measured tomorrow. It's been a while so I think she might be up a size. J isn't walking yet so he won't be getting new shoes yet.
I spent way more than I planned to today...
We went to Tesco this morning, with the intention of getting some milk, bread/wraps and some other things. We were later leaving this morning so I ended up buying a sandwich, fruit and juice for lunch. And something for SG too. In the end, that was almost fifty pounds (we stocked up on much-needed toiletries, found a few hair accessories for SG, socks for J, t-shirt for dh plus fresh fruit) I saved 3.50 using a coupon so that will be counted as a snowflake.
We also went to the Costa that is inside Tesco. Spent 7.10
Before we left I paid two weeks worth of rent and 30 to Tesco credit card.
I'm working four hours extra tomorrow. My manager persuaded me. She's good at her job.
Oh I just received a ton of email notifications from other blogs, one of them was from when Crreditcardfree gave away a book. Did this happen to anyone else?
On payday I automatically paid my debt: two credit cards and the catalogue. The statement for Tesco credit card came through the other day and I've made two payments within the statement period, so I've got another payment to make before the middle of the month. I don't know how I managed to mess that up, although I shouldn't complain that I've paid extra to debt.
I made my debt snowball public on What's The Cost. The link is now been added to my sidebar.
Yesterday was a NSD, but I did get some stuff on Tuesday and Wednesday.
Groceries: 2.60 (hayfever tablets, milk)
I meant to start an ASDA savings card for Christmas but I completely forgot.
I went clothes shopping with my mum this morning. Well, I say clothes shopping, it was a few tops and mostly underwear and socks. I can't remember the last time I went shopping for clothes for me... maternity wear maybe?
We then went to Asda where I spent almost 20, but I'm going to have to replace some food I bought because I stupidly put cleaning products next to it, and they leaked. ugh. It was less than 2.00 I need to replace. Still...
My mum treated us to a coffee and a muffin. She also offered to pay for my taxi home. I was going to get the bus, but I bought more than I planned.
So, today's spending (roughly, I don't have receipts next to me):
Asda: 20.xx (mostly baby snacks, diluting juice, bread,milk,yogurts,enchilidas)
Taxi: 1.80 OOP
Bus ticket and utilities: 93.20
I'm expecting my meat order to arrive on 1/7 and the other order to arrive quite soon too.
I might have to increase my grocery budget. I ordered from two places online, one specifically for meat. That was 75 GBP, the other was 52 GBP. That's 127. I'm hoping the meat will last us for a few months (over 5kg of chicken plus other meat), so if I keep this up, I might have to increase it quarterly. I still have fresh fruit. veg, yogurts, bread and milk to buy.
After work yesterday I bought two tubs of ice cream (2 GBP each). I gave one to dh. Mine was my reward for reaching 200. It will be near the end of the year by the time I reach 300 I think, that's ages away. Unless of course, I have a good run of snowflakes or put extra to it myself. The money would be better off put towards debt though.
I'm considering putting some money on an ASDA savings card to help my grocery budget/decorations/gifts at Christmas. I don't want anything to derail my progress. Between 5-10GBP a month I think will help.
I like the idea of posting what I'm budgeting for payday tomorrow. (Thanks for the idea HouseHappy!)
Aside from bills - rent, utilities and council tax - I will be budgeting:
-50 for baby/toddler items (nappies,wipes,new cutlery for J)
-200 to catalogue
-70 to cc#2
-30 to cc#1
-18 to emergency fund
-30 to Christmas savings
-15 to bnpl item (cot & mattress, payoff April 2016)
-44.40 for council overpayment
Debt and more debt seems to be the theme here.
I need to keep track of my catalogue debt too, so I will get that added to the page currently titled Credit Card Debt.
It's so hard to choose what I want to buy when I'm paying cash for it.
Last week we received an extra tax credits payment. I researched whether we had enough to go to York in September, and we don't. We then decided to replace our vacuum cleaner. Let's get a Dyson. Done some searching to find that they start at 199 Gbp - no thank you. We agreed that we definetly want an upright bag less vacuum cleaner.
So I searched, and kept the tab open. I'm choosing which one we're getting and I can't decide. All of this for a vacuum cleaner. It's not life or death.
In the interest of full disclosure we also got a couple of takeaways. I can throw money away on that but not on a household item.
I must be crazy. It shouldn't take this long to purchase an item.
I requested a payment for some survey rewards. It should take 8-10 days.
I phoned HMRC to renew our tax credits. We have until the end of July to renew but I wanted to get it out of the way. I spent forty minutes on the phone.
I am still tracking spending.
One of my co-worker's, who is only twenty-something, lost his dad at the start of the week. I picked up a bereavement card for him, even though I've only known him about eight weeks. I'll hand it in the next time I'm at work.
I bid on an item on a charity page that I like. It was only 3.00. I think I was the highest bidder. That will be the start of SG's Christmas.
It's official; Dh is sick of me talking about debt and how much I hate it. I told him I'd love to be debt free by the time J starts school - so four years from now - he think we'll still owe double figures to the catalogues. Ideally, I would personally love for all of my debt to be gone in two years.
I complained to my bank about not being able to use my card online. They passed me on to the card care department, who told me that they had noticed fradulent activity on my account (a charge to my mobile phone) I told them that I didn't carry out that transaction. They also told me that a new card was sent out to me on 21/4 but I never got it. I'm waiting on them sorting that out now.
I checked out prices for bowling. Dh and I have agreed that we'll go next Monday for their 50% off deal.
I'm still tracking spending. I forgot how eye-opening it is. It's clear that I don't budget for everything, so I need to fix that. I'm also still meal planning. Today I'm going to make up some soup using some not so pretty vegetables that are in the fridge.
Well, I haven't managed to have a proper conversation with dh yet about the catalogue. I will do it soon (I know, it needs to be done). The only thing I did mention is that any facebook sales should be split 50/50 between our catalogues, and dh agreed. I'd better get listing some items then.
I'm still working on decluttering and organising our flat. I feel like we're getting there, bit by bit. I sorted some of the shredding pile (mountain!) yesterday and found some of dh's statements. I think he might have about 6k debt, although the statements weren't recent. Add that to mine and we're looking at 14k. Ugh. The good news is that I found a cheque and a coupon.
SG starts nursery in August. We've got an induction to go to, actually on J's birthday. We were maybe going to have people over that day but they can come over the next day, if they want to.
I need to buy in some ingredients for J's cake, and a packet of balloons for J's birthday. I can't decide what cake to make, not that it'll be fancy. I did find a healthy recipe for a small cake using fruit puree.
My manager explained about the hours in the department. Her boss only wanted her to have three colleagues, but to get the job done you need four, so she is allowed to overspend by a certain amount each week. He let her have more colleagues under the condition that she doesn't go over the agreed amount. Therefore, some weeks we are asked to leave earlier than normal.
I need to decide what meals we're having next week.
I think that's all.
Our Tesco delivery came today (46.08) It didn't include fruit because I can get it cheaper elsewhere. Nappies and formula are cheaper elsewhere too.
Food: 71.28 (140 budget)
I also bought our four-weekly bus ticket (73.20) and put money on our gas and electricity meters (20)
Half of our food budget gone three days after payday. Think I'll need to increase this when J turns one.
ETA: Oops I almost forgot. I posted a package today, that was 74p.
This post may be predictable, but I didn't predict that my debit card would be declined when I tried to make online payments. Thankfully, dh had left his card at home so I transferred money to him then used his card. Phew.
I paid 200 to Littlewoods, minimum was 156.
I paid minimum to BOS and Tesco. While doing that, I was pleased to see that my balance transfer has gone through. It then occurred to me that maybe I could have skipped BOS's minimum payment since the 1000 balance transfer was technically a payment? Well, I'd already paid it when I thought of this.
I also paid 15 to the cot/mattress BNPL.
I'm in the middle of ordering groceries online from Tesco to be delivered on Monday. After work tomorrow I'll be getting meat from the butcher's and milk. I am going to make up a meal plan.
I also need to keep track of my spending to see where my money's going. I have a suspicion that I'm wasting a lot on impulse purchases after work.
J will be one in a few weeks, which means I don't need to buy as much formula from this pay.
Dh wants us to go bowling with the kids soon because we got a coupon for it. He thinks SG would love it.
I forgot to mention that last week someone at work unexpectedly died. I didn't work with him but dh knew him. He was out jogging when a cyclist hit him. He was ok at the time and he even spoke to the cyclist. Later he went to our local hospital then to one in Glasgow where he died from serious head injuries. They're still looking for the cyclist since they never exchanged details.
Dh declared that he wants us to go to England in September for his birthday. He wants his Grandpa to meet the kids. He sent me a link to check out hotels in the area. I don't see us being able to afford it, so I'm hoping we can compromise with days out when we're on holiday. But I will look into train fares and hotels.
I got J's birthday present from the catalogue. I used my rewards so I added zero on to my bill.
Both days after work this week I bought a few things I didn't really need. One of them was a sandwich and a bottle of juice because I was hungry and thirsty.
I still need to pay the deposit for J's cake smash next month. That's 40.00.
I paid 250 to the catalogue this morning, the minimum payment was 188.xx. I just used the money that I would have sent to cc#2. I then paid 15.00 to my bnpl item, which is the cot and mattress.
I will just continue to focus on paying off the cot and mattress because I can't manage to payoff the other item, clothes, bed and mattress, by December. The balance has to be paid off in full, otherwise it will be added to your account.
Next I will be paying minimum to both credit cards.
Since my last entry, I have been debating about whether to try to pay more to my catalogue each month. I want to start to pay off the cot, but I'd also like to pay a bit extra each month towards my total bill, even if I just round the minimum payment up.
We're hoping to start potty training soon now that SG is in her big bed.
My mum now has over 200 in her savings, 208 actually. I really want to tell her, but then I don't. I'm looking forward to the day that I have over 200 too.
Dh mentioned that he'd like us to go to England this year to see his grandpa, and his friend. I don't think it is in the budget but we will see what happens. I'm pretty sure he wants to put the train tickets on his credit card, if we did go.
Dh is away to see the new Avengers movie after work today. This makes me think that I need to reward myself, however, I did want to wait until I reached a savings goal or something. Dh isn't going as a reward, he's going because he wants to see it.
I am at 61% of my snowflake total, as of the end of April.
I spent 12.99 on a bouquet of flowers for my mum's birthday. It included free delivery and a free box of chocolates.
Tomorrow is payday.
I just wrote a massive long entry about my catalogue and Dh 's and it didn't save! The short version is that he thought I knew already. it's irrelevant if he told me, it's far too much to be paying.
I'm going to add my depressing catalogue details to my sidebar once i gather the information. In the interest of full disclosure I bought our kingsize bed on it last year as a buy now pay later, that's getting added on in Nov. Recently I decided to get SG 's mattress and J's cot as Bnpl but I do think I could get that paid off. They gave me a 10k credit limit (crazy!) Dh not as much.
I've made it clear to dh no ordering unless it's using rewards which makes the item free. And if he orders a TV I'll send it back.
Dh's words, not mine. He told me this last night after he realised that the volume had stopped working on our bedroom tv. It's over seven years old, I had it when I lived at home.
I told him we would have to save up for one, we could possibly have one in time for his birthday in September. I'm saving up for our photo shoot first, so that takes me to June. I said we could save 50/month. I looked online and a lot of them seem to be about 150+, if he wants the same size, that is. Dh thinks we could only afford to save 5/month.
The other option would be using one of our catalogues. I don't want to because I will be getting a mattress for SG's bed soon since it didn't work out getting one from my cash flow a while ago.
If we actually do save up for this, it will be the first household item that we've paid cash for - all the others were ordered from our catalogues/given to us when we moved in almost three years ago.
Both of my rewards were credited to paypal the other day: 5.00 from swagbucks and 3.00 from my survey. I transferred them to my bank this morning, then immediately sent 70/30 to credit card #2 and my emergency fund.
I noticed that Suits is now on Netflix, and I found disc four from season 3 I think that I had from Love Film. I sent the discs back yesterday and officially cancelled it this morning. I use Netflix more these days anyway.
I've been better with shopping after work - I have only been buying essentials. Starting next month, I think I will do one online grocery shop to save myself some time.
I need to start putting money aside for J's cake smash/family photo shoot in June. I should have done it already. We also need to buy new outfits for us all.
I am so pleased with my emergency fund balance. As Decisive Paradox noted, it's the highest it has ever been. I just hope I don't need to use it anytime soon.
Dh is taking the kids to a birthday party out of town on Saturday. I never got the holiday so I can't go.
We got a cheque from our utility company for 4.96. I need to get it to the bank soon.
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