L woke up as soon as I signed in. It's like she knew I was planning on updating here.
Anyway, there actually isn't that much to update. We're still surviving here,although it's a teeny bit better now that we're five weeks in. I think I got at least five hours sleep last night -not five hours straight though.
An acquaintance offered me her daughter's baby clothes. It's so nice of her, especially since we don't see each other. She also told me to message her if I ever need to talk. I'm not really comfortable doing that, but I did say thanks for thinking about me.
I've got three more loan payments left.
Hubby has to phone the credit card company to discuss what he owes. It's all in his name, I don't even know his login details. Well, I can't remember them. I did set it up, but that was years ago.
I also checked hubby's bank account. Nothing happening there other than it had been over a month since I'd checked.
I signed up for a delivery saver trial with Tesco. I haven't been in a supermarket for a proper shop since before L was born. I'll keep it when the trial finishes. It's such a time-saver. Yes, more expensive than aldi but they don't do online shopping.
I think that's all.
L woke up as soon as I signed in. It's like she knew I was planning on updating here.
Since my last post, we have added a new family member. Baby girl arrived before Christmas. She has slotted into the family quite nicely.
I admit that I haven't been tracking finances. I forgot how exhausting life is with a newborn. I noticed some of you are doing UFMC. Ordinarily, I would have, but it's just not realistic right now. Next year I'll happily take part.
I just checked, and my loan is now under 1k. Only 4 more payments to go!! I'll be applying that money to my credit card when it's gone.
So,there's good and bad news. Bad news first: we missed a payment on hubby's credit card, and despite using my credit card for some expenses to try to catch up, we still haven't caught up. And we now have more debt. Sigh. First time in 5 years that I've used a credit card. Ugh. I don't know the exact amount due; hubby knows the login details. Not really how I wanted to end the year.
Baby is due really soon. I found out yesterday afternoon that there's some new payment offered to parents, and not just new parents. Usually these things are for new parents only. Today was the first day to apply. I was tossing and turning this morning, so I applied at 5am (then went back to bed). If we do get it, it can go into the baby sinking fund. There's also a payment available through my health plan, but I can't apply until baby's here.
I was outbid by someone on eBay last night for a pair of shoes I wanted for SG. Hubby thinks I should try selling things on there. Maybe I will,in the future, certainly not in the next month or so.
I can finally access my blog! I was giving up! I had to reset my password since it wouldn't let me use my old faithful one. Oh well.
I just wanted to check in quickly. Baby is due in just over six weeks. I feel like we're pretty organised, although I will double check everything. We've bought most things nearly new. I also found a lot of old baby clothes in the cupboard last week when we were decluttering.
I started Christmas shopping a few months ago. My aim is to now get them wrapped. I bought wrapping paper in so I'm halfway there. Next week I'll probably start.
I'm going to make up some meals for the freezer in the next few weeks. We've only got a small freezer, so I can't do too much.
I've reached the halfway point. Baby is doing well,according to my recent ultrasound. We haven't bought anything yet. However, we now need to start getting organised.
I've still been decluttering,although not as much as before. I need to step up before I add baby stuff.
I need to get started Christmas shopping soon. Luckily for me I have a 6 year old who is happy to tell me what she wants. She is an advertisers dream. I do point out to her that she can't get everything. I've started an Amazon wish list for the first time ever.
Speaking of Amazon,I've just claimed a £5 voucher from swagbucks. I need to get back on it so that it can help with Christmas shopping.
It's been a while since I last updated. Since then I've been a bit lax tracking my spending. Time to get focused again.
Last night I meal planned and wrote today's shopping list. It's payday today. I'm going to make sweet and sour chicken in the slow cooker (a first for me). I'm hoping there'll be plenty of leftovers.
I'm 17 weeks pregnant now. I'm definitely making an effort to eat good stuff. Of course, this pregnancy is already heaven compared to the last because I'm healthy.
I'm trying to continue to declutter. My mum wants to buy stuff for the baby already, but I told her I need to check what we have first. If I can get stuff nearly new,I will.
Debt is going down. I have to update my sidebar.
I've been really bad these past few weeks, getting a takeaway impulsively last week and buying little things here and there when I'm out. So bad.
I also bought a coat rack from amazon. £23
Kids have school trips coming up. For once, I had money set aside in my sinking fund.That was good.
So,one of the reasons I've been distracted is because I was having bladder problems. I had a catheter in for a week. I went to the doctors the other week because I hadn't peed for almost a day.Two litres of urine later.. then a catheter. I'm now without a catheter and doing it myself, when needed. I wasted some money at the hospital a few times on sandwiches from the cafe.
So,the reason I'm having issues,if you haven't figured it out already... I'm pregnant. I don't know when I'm due,I haven't seen the midwife yet or had my ultrasound. Plus,family don't know yet. We will tell them once I've had my ultrasound. It's nice to tell people, even if it is anonymously.
Credit card: 2436.84
£345.87 paid off since last month.
I've spent £112 on food so far since payday last week. Ouch. My tesco order was huge though. I've been looking into portion sizes and trying my best not to waste leftovers.
I found a bean and pasta soup recipe that I'm going to make for lunches next week. I cooked up some pinto beans and I also have cannelini beans in the freezer.
I'm going to a speech therapy course for parents of children with social learning difficulties. It lasts 6 weeks. I think it'll help a lot.
My new hours started. My first pay will be at the end of the month.I'm looking at that budget now.
Credit card: 2561.84
13 payments of loan left. It'll be gone May 2019,then credit card shortly after that in September. After that I'll put that money to hubby's credit card,which is still sitting at 3k due to its high interest rate. By the time that's gone,it'll be 2020.
I'm really hoping for a Low Spend April. I've ordered, what I hope, is two weeks shopping from tesco. It doesn't arrive until Thursday. I made sure to order dried cannelini beans, pinto beans and adzuki beans. I've never tried adzuki beans.I'm going to make sure that i cook and portion them up for recipes. My new contract starts next week so I need to make sure I limit my shopping trips. If I can get most of it at once,the happier I'll be.
My meal plan is looking like this:
-slow-cooked pulled pork with potatoes and veg
-sweetcorn fritters with salad
-carbonara-style pasta with pulled pork and mushrooms
-penne with red peppers and spinach (SG picked)
-tostada with chicken, black beans, salsa
-frozen pizza (twice)
-sweet potato and white bean chilli (Jamie Oliver)
-chilli con carne with rice and tortilla chips
-leftovers (definitely need to make sure there's no waste)
I cancelled one of DH's direct debits. It was only for a fiver,but every little helps,right? Next I'm going to look into reducing our cable package.
I bought a bag of dried turtle beans (black beans). I'm going to definetly incorporate them into our meals. We've already tried black beans with a tortilla and an omelette. It was from my new recipe book. A few meatless nights a week are the way to go, I think.
I finally opened up a savings account for my sinking funds. It's for birthdays and school/nursery expenses. Hopefully I'll have more in the future.
So, I had my meeting at work. It went better than I thought it was going to. I was completely shocked when she said that my hours weren't changing. However, as she started reading through my hours I realised that they had one day wrong. Well,I explained that I can't do that shift because I can't get there early enough. She had a think and suggested a long day. I pointed out that buses are unreliable at that time so she shortened it. The result was that I was now 4 hours less. She said that I can pick up another day to make up my hours,in fact another very early start was suggested.
Well,I came home and spoke to hubby about it. Another very early rise just doesn't work - I'm talking before 4 - so we're just going to rework the budget. Before I left work that day I spoke to another woman who is also reworking her budget.
So,it's not official yet because I haven't signed my new contract. Was it the best decision financially? Probably not, but for my sanity and family life, I think it is best.
This weather is depressing. The schools have been closed for three days. My grocery shopping wasn't delivered so I went to a local store to see what was there. No bread or milk. I had to buy almond milk. I've never tried it. Will it taste weird in tea? I went to the butchers too. Spent 17.95 today. This is possibly the least amount spent on food on payday ever (unless my order shows up)
I've got bread in the bread maker. Fingers crossed it turns out. I'm making a chicken pie for dinner.
Got the date of my next meeting at work: next Saturday. Speaking of work, I hope I make it in tomorrow. I know buses are running now.
I've just done an online shop which is getting delivered on Friday (payday). Before that, I done a meal plan:
-slow cooker pulled pork
-black bean tacos with salsa and guacamole
-pulled pork carbonara
-Mediterranean spiced pasta
I'm also going to try baking an orange loaf cake for the first time, and banana bread.
Took out an amazon prime free trial. I didn't plan on SG buying the Frozen movie accidentally today. That was 9.99, but thankfully I had gift cards on the account.
It's SG's birthday soon. All money for it will be coming from this upcoming pay. I wish I had sinking funds already. Mothers Day is also next month.
I've decided I'm going to put an a4 sheet of paper on the fridge with our grocery budget, and spending, on it.