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.
Viewing the 'family' Category
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 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 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.
It's been a while since I last updated. So, what's been happening?
First of all, I started watching a lot of budgeting videos on YouTube. Actually, I started that at the beginning of the year when Creditcardfree mentioned it in her blog. Now, I'm trying to figure out if I'm more of a pen and paper gal, or if spreadsheets are the way forward? And, do I prefer updating daily or once a week? And cash only? Right now, it's mostly cash for variable expenses.
I had a birthday. I treated myself to a new cookbook from Amazon. I had vouchers so the book was free. The aim of the book is feeding a family of four for £40/wk. I'll be making some stuff from it.
I also just spent a Christmas gift card today. I added a couple of things for the kids. I was 6.49 OOP.
I had a check up at the dentist. One of my fillings needs replaced. It'll be £56. This wasn't in the budget so, today, I made sure that my health plan is updated online. I can make the claim the same day so that's good. I also made sure that both kids are on it. They are. (Youngest has had a lot of referrals since last year. Possible autism diagnosis. We've been to lots of appointments for him. Next one is ophthalmology this month, since they really did refer everywhere).
Hmm, what else? SG's birthday is next month. She told me the other day she'd like a party. I had to tell her that's too late notice to book a party. Looks like I'll be planning one next year.
The catalogue is sitting at 95.50. There's only one more payday left for this year, so it will be gone early January. Then I'll put that money towards my credit card.
There's 18 months left on my loan.
Went shopping this morning. Spent 51.xx although 9.99 was a Christmas present and 5.98 was on thermal socks, so not too bad actually. I've meal planned for the week.
On Monday I'm going to start wrapping what I have in so far.
Kids are going to see Santa at the end of the month, although I paid for it last pay.
I barely update these days because I'm constantly talking about the same thing: paying off debt. I have no new updates about my debt, only that I'm still paying it off. I'm still being optimistic that i will be debt free by the end of 2019. So two more years of this.
I did notice that DH is aware of the budget, although I only casually talk about it. The phrase "Is there room in the budget?" is used a lot.
I've been working on decluttering and getting organised. Despite this, I still haven't started Christmas shopping yet because I'm not sure exactly what to get eldest. Littlest is easy but I need to shop around first before I go parting with my money.
I'm going to attempt UFM in July too. At first, I thought that buying school stuff would be an issue. Anyway, last week I found out that we're entitled to a school grant. All I had to do was photocopy some forms and send them with the application form. Well, we did that on Monday. Yesterday I checked my email to see that I have been approved for the grant. The money - £90 - will go in next week.
I found out that hubby's credit card that I cleared last year, then J added to but we got a lot of it taken off, is sitting at 3k. I know J has bought some more things accidentally, but I didn't realise it was that bad.
I bought J a bed for his birthday. I spent almost 190. I had 160 set aside. He was ill on his birthday, so we didn't go out for it.
SG's has finished nursery now. One of the mums wants me to bring her over to play with her child during the summer. It seems that her daughter has become attached to mine.
What else? I signed up for an app that I installed on my phone. Apparently, by doing this means that I'll get a £10 shopping voucher soon. It keeps crashing, so I don't think I'll get it.
I'm going to try my best at UFM.
I spent two days in hospital with SG because she had breathing problems. It was unplanned, of course. I spent a lot of money on junk food and sandwiches for me, since SG was having hospital food. I must've spent about 20 on food, although I didn't really keep track. Hubby got a takeaway so that was another 21. I also got a taxi home for us - we had so much stuff and I was shattered. All in all, it must have been about 50 in total.
She is doing better now. The doctor gave us medicines and an inhaler for the next few days.
In other news, I just paid off one catalogue today. That was 75.02. The other one is now 330.
Today is payday. Next pay I will be short because of phoning in sick for those two days, but we will manage.
In other news, I've been thinking about budgeting for other expenses such as school stuff. Each pay I send fifty pounds to my EF. From now on, I'll allocate twenty to these miscellaneous items that could potentially break the budget. I'll have to write it down though, otherwise I'll lose track of it. Yep, it only takes a small leak to sink a ship so I want to make sure that that doesn't happen.
Well, it feels that way...
I bought the kids new clothes and shoes, paid for sponsored walks, a trip. I also done another Approved Food order because I had a promo code to get delivery for 1.99 ( I normally pay 5.99). My cupboards are filled to the brim. Next pay I should only have to buy fresh stuff so this should help when I get paid again next Friday.
I also realised that I don't properly budget for annual expenses, so I'll need to figure something out. I only regularly save for Christmas. Come August I will have a child at school and one at nursery. Two lots of expenses for school photos, trips, meals (well, I think they're free until Primary 3 - I have to check) Then there's birthdays. Just when I think I'm getting myself together, I realise this. I have to budget in for this stuff; I just need to sort out the details. Hmm.
Yesterday we got another letter from the council. It said that they had made a mistake sending the last letter, so we were to ignore it.
On my birthday Swagbucks emailed me. I went to my account and seen that I had enough to redeem two 5GBP PayPal rewards, which were on sale. I transferred the money to my account today, then to savings for the hotel.
I booked an activity for SG's birthday, although it'll be a surprise for her. The day after her birthday we're all going bowling and then for lunch (she's at nursery on her birthday). It's called Bowl and Dine, you get two games of bowling and a two course meal. I made sure to go during off-peak times so it's cheaper. I also need us to be home at a reasonable time, too. All in all, it'll be 48.00 (excluding drinks).
I had two butternut squashes to use up, so I roasted one with red onion and feta, and I made the other into a curry for tomorrow.