I don't have numbers for UFM because I didn't give it my best shot. We're having issues with my youngest, so my mind was elsewhere. Maybe I'll attempt another one later in the year.
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I've just spent ages updating my details on What's the cost. I hadn't updated in over a year! According to WTC, by paying 486.54 each month, I should be debt free in 25 months. I'm not sure entirely how accurate this is, because I had loads to update. I guess I'll have a more accurate number after a month of properly updating. Anyway, I told hubby this and he is onboard.
Onwards to the Uber Frugal Month!!
I started watching a new show this week: Save Money, Good Food. It's given me some new recipe ideas. Well, apparently people are complaining because "they only help rich people" Some people are just never happy.
I've been seriously thinking about increasing my pension contributions, especially after seeing how well you guys are doing. Asking around at work, I found out that one person in their fifties is still only contributing the minimum (2%), although I think her husband has a good pension. There's also my co-worker who only just started contributing in the past year or so, when they made it compulsory.
Anyway, I was doing some shredding yesterday and I found hubby's pension statement. His pension is in the same place as mine. I found their contact details so I'm going to email them to increase my contribution, at least by a little. I still have all of this debt hanging over me so I don't want to increase it by too much (even though I know I should)
I got a bonus from work:144. I transferred 140 to savings to cover the hotel in April, so that's 290 saved now. I left the 4 in my account. I'm pretty sure that last year I had to use my bonus for daily expenses, so it's nice to use it for something different for a change.
I've been handwashing clothes. I'm hoping hubby can fix the machine though. He looked at it yesterday, tried it but it stopped with two minutes left in the cycle. Then he mentioned something about a ball... I'm hoping it's fixable anyway. He's checking again later.
I'm dropping off a couple of bags of donations soon. It's so nice to get rid of stuff. I've been doing my best to find a bag a day, which Creditcardfree talks about in her other blog. We have so much stuff.
Almost all of us are ill. I went to bed at 8 last night and I'm still shattered today. Took kids to the doctors and let SG pick a meal for dinner. This is the worst she's been.
I got it wrong. I have 105 in my bank, so I must have miscalculated.
I have to finalize my meal plan for next week - probably not today though...
Payday on Friday. I'm not planning on going anywhere tomorrow.
I'm not sure if this will work. The blogs weren't working earlier. It looks like they are now though.
Snafu asked about making scones. I found a recipe here:
It's basically the one I've been using. I'm sure a few of you have baked scones before - I'm thinking My English Castle, CJ and Brenda? - but I could be wrong.
I can't believe it's nearly the end of the year! I still have presents to wrap!
Things have been busy here. We took the kids to Edinburgh's Christmas last week. We impulsively went on the ferris wheel. Hubby wanted to since he'd never been on it before - me either, actually. I saved 20% off the ticket price thanks to showing some ID. Next year, I'm booking the rides in advance.
I spent a lot on food. In the end, the kids were exhausted so we never went to see Santa. However, I had seen him the day before we went (didn't go well - lots of tears) and he is visiting SG's nursery tomorrow.
I baked brownies to give to SG's nursery staff. I handed them in today.
My mum's dog was put to sleep last week. I wish I had seen him recently,but it has been a few months. She had to borrow money from her friend to pay for it.
In other sad news, I found out that one of my neighbours died. I'd heard that he had cancer. I seen his wife shopping herself, but I wasn't sure if anything had happened, and it's not the sort of thing you can just bring up. Anyway, it was confirmed that he died a few weeks ago. I'm going to post through a Thinking of You card. Originally, they were getting a Christmas card but I can't send *both*
I better head to bed soon. That's all for now.
Hope you guys are having a great Thanksgiving!
I'm pretty thankful for SA. I'm so glad I started this blog so long ago.
In my last post, Creditcardfree asked about my catalogue debt. Unfortunately, I still have it. The good news, however, is that if I compare it to 7th of April this year - days before the loan was deposited - it looks miles better:
2655.99 (my catalogue)
Total: 8312.27 (eeek!!)
Today's figures are way better, thanks to the loan:
New total: 1488.15
In other news, I've finally seen the dietitian. She prescribed me supplement drinks and told me to have a milky pudding every night.
Since then, I've been signing back into my fitness pal. I neglected it for so long before.
I thought of a few more things:
11. I've never broken any bones
12. I hate sports
13. I'm Facebook friends with a few bloggers
14. Once I get round to it, I'll have one as a friend on My Fitness Pal too (it's on my list, luckily this password is easy to remember)
15. I've had two emergency surgeries - both while pregnant
16. I'm not religious at all
17. I hate haggis and black pudding. Not really a fan of shortbread either (these are all Scottish)
Ok I think that's all. There's some lame stuff there.
I don't have twenty interesting facts, but here's some:
1. I started this blog ten years ago
2. I took a two year break when I forgot my password
3. I've got a psychology degree
4. I met my husband when I was 17
5. My husband went to the same primary school as me.
6. I've met one fellow blogger - I want to meet more!
7. I've been to Greece, Paris, Spain and Dominican Republic
8. I think my blog has made me more sociable - weirdly, well as much as an introvert can be
9. I want to see a lot more of the world
10. Still dreaming of the day that in debt free
And I basically have nothing to show for it.
I wanted a new job - I'm still in the same place. I have been looking but it's taking ages.
I still have debt - and it's not getting paid off an at an alarming rate. It's just the same.
I'm just all talk and no action.
I need to reign in my spending. Friday was a high-spend day for us. We took the kids to get new shoes (44.85) then we went for lunch (17.17). We actually went to the same pub restaurant that I met VS in a few months ago - well, the one in my hometown. While there, we found out its closing down within the next couple of weeks. After lunch, we went to asda where I spent 10.58 on some packed lunch stuff and some food.
I'm going to introduce more meat-free days. I got a burrito while out for lunch. I let SG try it and she loved it. I told hubby I'll be making it soon. I also still need to try the lentil bolognaise recipe from Eat Well For Less.
Catalogue debt is now under 2k: 1972.66. So, not my much, but it's something. It's just my credit card debt, and the loan, obviously, that's much higher.
The plan for the next few weeks: using what we have and shopping the value range.
I made a mistake last month which I'm paying for this month. I had to withdraw money from savings to help our current financial situation. Sigh.
I definitely want us to get away next year, although now hubby is wanting to visit his friend. We've all never been there, so it'll be good to go. I think I'm in a rut.
I've started to think about Christmas. SG mentioned a couple of things so I'll search online to find the best price. Adding to my asda savings card hasn't really worked, although there is still time. I'll probably get a lot of there books/games from the nearly new shop in town. I also might book an official Santa visit for the kids with breakfast, we'll see. Working Saturdays doesn't help since most things are on a Saturday. Again, it's a work in progress.
Pre-ordered a book for hubby's birthday from the kids, and I'm going to treat myself to one too. The money won't come out until my September pay.
One of those weeks when I complain about something petty - work - then something serious happens and throws me off. The serious thing was that my mum ended up in hospital, they think she had a mini stroke. My uncle was there with her when it happened and he stayed with her at the hospital. I was on the phone to him loads while she was in hospital. She got out that night and I went to visit her the next day. It was a stressful night.
In other news, my loan is now under 7k.
Hubby upgraded his phone, the payments are the same as before.
One week till payday.
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.
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.
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.
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.
It was payday on Friday. I realised the same day that I hadn't received my new debit card so I had to go into town then go to my bank then husband's so I could put money into his bank then come home to pay the bills. It was a long day, added to the fact that I was down about the election results.
A while ago, hubby and I were talking about how he wants to switch banks. Well my bank has an offer: recommend a friend and when they switch you both get 100GBP. I hope I've read and understood the eligibility criteria properly. I want to use it towards a moving fund in case we do end up moving this year.
I'm meeting VS from Oz this week. We arranged the final details the other day.
I'm aiming to fully track spending this pay; I've been lax about it.
I've started the process of closing my catalogue. The online adviser who I spoke to didn't question why I wanted to close it - he said any excuse will do. He is refunding the 3.53 to my account.
Catalogue debt is now less than credit card debt.
I need to meal plan and write a shopping list today. We've been using things up.
I took SG to a birthday party last week. It was her friend from nursery so I wasn't looking forward to going and not knowing anyone. I didn't know what to expect but it was after lunch time so me and hubby decided she picked that time to save some money.
When I got there I noticed a huge buffet straight away. There was also a dj, face painting and a tattoo station, a colouring station and later on a minion arrived. There was also chocolate fondue with strawberries and marshmallows; SG loved it. Is this the new standard for fifth birthday parties? Or is she just trying to outdo each previous years birthday parties? I don't know. As I said, I'd only just met her.
Speaking of birthdays, it is my littlest's birthday soon. We are still thinking low-key.
I still desperately want to get a new job but I think the chances of it happening this year are slim. I have however started to write my cv since it's been non-existent for about ten years.
I think that's all.
Husband's catalogue statements updated at the weekend. Both catalogues are now at the 1k mark, 1023.45 and 1536.38 respectively. There are two buy now pay later items that will get added on, one this month (227.19 total) and then 129.05 in July.
I'm still working on paying off the household items that hubby ordered a couple of months ago. I'm hoping to get rid of them by December this year.
I've finally used most of my remaining credit/rewards on my catalogue. I have 3.53GBP left to use, which, in a catalogue, is unrealistic. If I have to I will talk to an adviser and ask them to send me a cheque for the amount. It's only 3.53 but it's my money. Once this order has arrived I will deal with it.
Loan payment comes out on Saturday so I will update my new balances then.
Have a good day everyone!
How is it June already? I swear it feels like it was my birthday not that long ago. I'd better enjoy the rest of the year because it is flying in.
We've had some really nice weather here. I had to buy some sunlotion in yesterday because we didn't have any on hand.
I went to Lidl today for the first time since March I think. I spent 18.xx, so I'll need to go back soon. It's not my favourite shop but I do really like their fruit and veg - their freezer section is another story. Anyway, I made sure to buy some ice cream (especially since my chocolate melted on me the other night - I had to put it in the fridge!)
I'm going to have to total what I've spent so far, all the little things add up.
I might have already mentioned it but SG has been invited to another birthday party. This one only gave a few weeks notice though.
In other news, we had a filming crew in my street a while ago. My cousin managed to get some photos of one of the actors but I didn't. I would've loved to have met him because he is a main character in one of my favourite shows.
As you know, I'm meeting VS-from-oz soon. I remember reading when a few of you all met up years ago; I never actually thought I'd get to meet a fellow blogger. But I am now
Last night I noticed on Facebook that my cousin was bragging about how much she had saved on her shopping. She uses coupons and shopping apps, it looks as though she spends a lot of time printing off coupons. It inspired me to install new apps. Any money I make from them will go towards debt. Who knows how long it will take though.
I'm considering transferring my ISA to get a better interest rate.
I want to aim to get two items that hubby got from the catalogue last month - before the loan, without telling me - paid off by December. Think they're about 240. Works out at about 30/month. I think it's manageable.
I need to start putting more money aside for Christmas. Right now we're only saving ten pounds each pay.
It's payday on Friday.
J turns two next month. I bought him a new waistcoat to wear from a friend's small business, I just need to get a shirt and trousers for him. Other than that, he will be getting a small gift and I'll bake a cake.
The first loan payment came out. Only 35 more to go.
I've been updating my budgeting app more regularly. We're pretty close to our grocery budget so I might be a bit over since there's two weeks to go. I'll do my best to use what we have first, although it's really meat that will take up a lot of the budget.
It's J's birthday next month. It will be low-key,a few gifts and cake.
SG's has a nursery trip coming up next week. She's also been invited to a fifth birthday party. She's friends with the little girl and it falls on my day off, so we will be going to this party.
There was fraudulent activity on my bank account, so I'm waiting on a replacement card.
Wow, it's only taken ten years but I've finally made it to one thousand entries. One thousand entries about my financial journey.
I would have reached this number earlier if I hadn't taken two years off. I'm glad I came back. If anyone out there is reading this and has a retired blog but is still reading, I'd like to hear from you. Likewise, if you want to start a blog, you should give it a chance.
Thank you to everyone who reads for going through this journey with me.
If this works, I will have included one of my favourite pictures of me and SG.
- fish and chips with mixed veg
- salmon fish cakes with cauliflower cheese
- slow cooked pork with potatoes, veg and Yorkshire puddings
- sweet and sour pork with rice or noodles
- eggs, chips and beans
- use up any leftovers day (or two)
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