I spent some time looking online at washing machine parts. Luckily, I haven't had to buy any yet. Fingers crossed.
I applied for a zero percent card for hubby but was declined. At least I tried, I'm telling myself. The debt will stay on his credit card.
I've installed a new budgeting app, Wallet. I like this one better than the others so far.
My mum text me to ask who she banks with, or rather confirm their name. She disagreed with me at first but then realised I was right.
We're all going on a trip this week with the toddler group I take J to. It was only 20gbp for us all. Going ourselves it's 13 per adult, so already we're saving a lot. I need to buy snacks to take with us.
Viewing the 'Spending' Category
I spent some time looking online at washing machine parts. Luckily, I haven't had to buy any yet. Fingers crossed.
I can't believe that it's already the third of July!
Well, I met VS last week. Actually, I met her and her friend. I brought hubby and the kids with me, so they got to meet her too! I told SG that morning that we were meeting my friend from Australia, so she was excited. I don't think she understood how far away Australia actually is, but I think I got my point across.
The meeting went really well. We met in a pub in Edinburgh for lunch. We were there for a few hours, just chatting. Near the end the kids got restless but overall they were OK. I thought it was going to rain that day but it didn't, so we were blessed with a dry day.
I don't have an exact total but I think I only spent over 40gbp, for lunch and drinks (wine for me, two beers for hubby) and travel. We had frozen pizza for dinner that night since I knew I wouldn't want to cook, the kids were supposed to have leftover macaroni but they filled up at lunch so they just had a sandwich.
I thought we were going to be moving soon. However, hubby went to see the place and we drew up a pros and cons list later to help decide. The cons outweighed the pros so we're staying put.
I was feeling upbeat until I checked my credit card statement this morning: I got a late payment fee! I can't believe I let this happen! Apparently it only takes that to ruin my mood. I'm getting over it now.
I paid both of hubby's catalogues yesterday. Minimum payments are about 160.xx now in total. I also paid 30 to one of hubby's buy now pay later items. I'll be so happy the day that I can stop using that phrase.
I took SG shopping for a princess outfit for the birthday party that's coming up. While there I also bought her a few other things. Next on the list is a little present for the birthday girl. I'm thinking crafts,something small.
I've increased my weekly savings deposits. I owe money to my emergency fund so this will help to pay it back.
I tried to add money to my Christmas savings card but the till wouldn't accept the transaction; if this happens again I'll just put the cash aside.
I'm in the middle of making a meal plan and writing a shopping list. It's a weekly habit. I need to transfer money to hubby's account until I get my replacement card. Unfortunately, my bank is updating its systems right now so I can't do it yet.
I've enjoyed this pay period, actually having some money spare. But I don't want to get laxadasical. I want to get out of debt. I need to replace money I've used from savings this year. Lucky Robin's post reminded me that I need to have a moving fund if we do end up moving. Don't get me wrong I've enjoyed buying things that we needed. In fact, I still need to get armbands for the kids so we can go swimming - once j is better, that is. And hubby wants his friends to meet J soon so that will involve some spending no doubt.
Things are feeling pretty good right now. Life at home is good, I'm not stressing as much although we have a lot of decluttering to do if we are moving. I have a really great friend. All I need to do is come up with a plan to be debt free in ideally three years. Then this means we can travel more and do things.
Now, what will I blog about when I'm finally debt free? That is the million dollar question.
I'm the only one working in the household. This has meant that we're entitled to receive healthy start vouchers. We got our first lot last week. We have four vouchers each worth 3.10. The catch is we can only use the vouchers on milk, fresh or frozen veg and infant formula. This suits me fine.
I thought I was going to be embarrassed using the vouchers but I was fine. I never thought that our financial situation would be so bad that we needed them. I have until the end of the month to use the other three.
My Swagbucks rewards are in my PayPal account. I'm going to withdraw the money and put it towards the remaining buy now pay later balance (the cot)
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.
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.