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Update

December 10th, 2018 at 04:47 am

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.

Fed up

March 2nd, 2018 at 05:30 am

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.

Update

February 19th, 2018 at 02:42 am

I've been paying into a private dental plan for years. Well I recently found out that I'm entitled to free dental treatment due to low income. I have a card that means I'm exempt. We've had them for a couple of years, but I just thought that I still had to pay the plan. Goods news is that I don't. It'll save me £13/month.

Any money that I can save is good because redundancies are happening at work. The company used to be flexible, but they're just not now. Sigh. I'm just pleased that my remaining credit card debt is already on a 0% card, and that I took out the loan when I did. Of course, it'd be even better if I were debt free, but I'm not. 13 months left on my loan.

Planning for UFM

December 28th, 2017 at 10:49 pm

As much as I can, anyway. I've been looking at some budget meals. I also will plan around what we already have in - so turkey twice over the next few weeks (I had three tubs leftover which I froze, we're using one today)

Still no sign of us getting the warm home discount yet, so I'll just try to use energy wisely.

I'm going to pack snacks for when I'm out, and especially for after work when I sometimes buy a sandwich.

I haven't phoned my phone company to cancel yet. I'll do that today, but it won't impact next month now.

I'll just try my best to save money.

Uber Frugal Fail

July 29th, 2017 at 09:08 am

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.

Post #2 of the day

June 30th, 2017 at 05:27 am

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!!

New Show

April 20th, 2017 at 09:00 am

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.

Update

March 10th, 2017 at 12:34 am

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)

Bonus

February 24th, 2017 at 01:50 am

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.

Yawn

February 1st, 2017 at 08:00 am

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.

Working again?

January 27th, 2017 at 12:17 pm

I'm not sure if this will work. The blogs weren't working earlier. It looks like they are now though.

Scones Recipe

January 19th, 2017 at 04:59 am

Snafu asked about making scones. I found a recipe here:

http://www.bbc.co.uk/food/recipes/scones_1285

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.

Christmas Fast Approaching

December 19th, 2016 at 12:52 pm

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.

Thankful

November 24th, 2016 at 12:36 pm

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.

Now & Then

October 31st, 2016 at 02:12 am

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:

7/4/16:
2655.99 (my catalogue)
3251.45 (hubby)
2404.83

Total: 8312.27 (eeek!!)

Today's figures are way better, thanks to the loan:
659.00
829.15

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.

My List (continued)

September 17th, 2016 at 10:02 am

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 09:38 am

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

Nine Months into 2016...

September 3rd, 2016 at 11:38 pm

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.

Some Spending

August 29th, 2016 at 02:16 am

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.