Home > Archive: September, 2016

Archive for September, 2016

Odds and Ends

September 29th, 2016 at 05:48 pm

I got a letter from our utility company saying they have received my request for Warm Home Discount. They will be in touch within the next twelve weeks.

A few weeks ago, hubby got a letter from the catalogue company saying one of his extended warranties would be renewed if he didn't get in touch by the end of the month. He phoned today and cancelled it, 98 pounds saved.

Trying to figure out where we're going in February. Hubby thinks it's too expensive to go away, but I told him I'm desperate for a change of scenery.

I'm considering my future recently. I've started to be interested in a particular area, so I'm hoping it will help my career prospects in the future. Time will tell.

Started Christmas shopping. I went to a baby and kids market. Spent 20,got two toys each for both kids plus books.

It's payday in eight days.

This & That

September 23rd, 2016 at 06:36 am

Just a little update.

Nationwide sent me a letter about increasing my credit limit. I'm ignoring it; I don't want an increase.

I found husband's PIN in my budgeting notebook, so no need to get in touch with the bank.

I paid the last of my Christmas high street vouchers this pay. It's only half of what we saved last year. We should get them soon.

Bought a new winter jacket for J and some clothes, SG got clothes. Her jacket needs replaced next but J didn't have a warm enough jacket for winter.

I also bought a collection of Peter Rabbit books from Amazon. They were 29.99,originally over 100. When ordering I accidentally signed up for Amazon Prime so I'll have to remember to cancel.

Bought husband a book for his birthday. 12.91.

I planned meals for next week. I've got a Tesco order coming on Wednesday.

I applied for Warm Home Discount yesterday. I heard about it through Martin Lewis. I'll see if we qualify, it's first come, first served. If we do that's 140 towards our electricity.

I think that's all for now.

Payday etc

September 18th, 2016 at 07:36 am

Yesterday was payday. Nothing exciting. I paid both catalogues and the last of one of the Bnpl items - a hoover- that hubby bought this year. Just one more item to pay off now.

I've updated my sidebar. I'm hoping that by June 2017 most of the catalogue debt will be gone, and I can put that money towards my credit card. Hopefully I qualify for another 0% card, but I'm not counting on it, just in case.

Husband switched bank accounts a few months ago. We were both rewarded 100. I've transferred mine to savings (holiday fund). Need to sort hubby's PIN before we can transfer to my bank, then to savings. He's lost it. I told him that I'm really going to have to save if we want to go *anywhere* in February. Nothing will be going on a credit card (only if hell freezes over, or pigs fly).

SG's is a great consumer. She keeps asking for every single toy she sees. I told her we'll be writing a list for Santa. J, thankfully, is none the wiser.

My List (continued)

September 17th, 2016 at 05:02 pm

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.

My List

September 16th, 2016 at 04:38 pm

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

Making Changes

September 15th, 2016 at 08:34 am

I've had to change the amount I put into savings. Well, as of Saturday it will change. I've decreased it by 18gbp; I'm now saving thirty pounds each pay period (Four-weekly) I still dream of paying back the money I withdrew this year - that's why I increased it in the first place - and having five hundred pounds in it, but hopefully next year.

Paying Hubby's credit card each month has added to the budget (thirty something pounds). I hate withdrawing from savings so I thought it made sense to decrease it.

In other news, hubby's birthday is fast approaching. When I got him the tv from my rewards in April/May, I said no presents on his birthday since that is a big enough gift. As it turns out, I've bought him a game he wanted and a book. I'll be making a cheesecake too. I'm going to get SG to help bake the cheesecake and blow up some balloons. We might get a takeaway, I'll see.

Nine days

September 7th, 2016 at 12:41 pm

It's nine days yet until payday. My plan to buy value products hadn't worked. Shopping hungry after work means I might have to dip into savings.

Sigh. I hate doing that.

And my new budgeting app doesn't like that I get paid every four weeks (there's only monthly or weekly options).

Ok I'll get through it. There's no point complaining about it. I'll just deal with it and move on.

There will be a happier post from me in the future, I'm sure.

The New Plan - sort of

September 5th, 2016 at 02:13 pm

From now on I'll reward myself at certain milestones (not sure when). I'll need to think of something that doesn't involve money - or a lot of it.

I'm also going to start breaking my goals into smaller steps and just focus on that. Aside from debt repayment, I want to get a new job and gain weight.

Ok, I think that's all. Just short and sweet to get this on paper, so to speak.

Nine Months into 2016...

September 4th, 2016 at 06:38 am

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.