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Hello June

June 2nd, 2016 at 05:09 am

How is it June already? I swear it feels like it was my birthday not that long ago. I'd better enjoy the rest of the year because it is flying in.

We've had some really nice weather here. I had to buy some sunlotion in yesterday because we didn't have any on hand.

I went to Lidl today for the first time since March I think. I spent 18.xx, so I'll need to go back soon. It's not my favourite shop but I do really like their fruit and veg - their freezer section is another story. Anyway, I made sure to buy some ice cream (especially since my chocolate melted on me the other night - I had to put it in the fridge!)

I'm going to have to total what I've spent so far, all the little things add up.

I might have already mentioned it but SG has been invited to another birthday party. This one only gave a few weeks notice though.

In other news, we had a filming crew in my street a while ago. My cousin managed to get some photos of one of the actors but I didn't. I would've loved to have met him because he is a main character in one of my favourite shows.

As you know, I'm meeting VS-from-oz soon. I remember reading when a few of you all met up years ago; I never actually thought I'd get to meet a fellow blogger. But I am now Smile

This & That

May 23rd, 2016 at 12:56 am

Last night I noticed on Facebook that my cousin was bragging about how much she had saved on her shopping. She uses coupons and shopping apps, it looks as though she spends a lot of time printing off coupons. It inspired me to install new apps. Any money I make from them will go towards debt. Who knows how long it will take though.

I'm considering transferring my ISA to get a better interest rate.

I want to aim to get two items that hubby got from the catalogue last month - before the loan, without telling me - paid off by December. Think they're about 240. Works out at about 30/month. I think it's manageable.

I need to start putting more money aside for Christmas. Right now we're only saving ten pounds each pay.

It's payday on Friday.

J turns two next month. I bought him a new waistcoat to wear from a friend's small business, I just need to get a shirt and trousers for him. Other than that, he will be getting a small gift and I'll bake a cake.

This & That

May 11th, 2016 at 11:28 pm

The first loan payment came out. Only 35 more to go.

I've been updating my budgeting app more regularly. We're pretty close to our grocery budget so I might be a bit over since there's two weeks to go. I'll do my best to use what we have first, although it's really meat that will take up a lot of the budget.

It's J's birthday next month. It will be low-key,a few gifts and cake.

SG's has a nursery trip coming up next week. She's also been invited to a fifth birthday party. She's friends with the little girl and it falls on my day off, so we will be going to this party.

There was fraudulent activity on my bank account, so I'm waiting on a replacement card.

My One Thousandth Entry

April 26th, 2016 at 06:19 am

Wow, it's only taken ten years but I've finally made it to one thousand entries. One thousand entries about my financial journey.

I would have reached this number earlier if I hadn't taken two years off. I'm glad I came back. If anyone out there is reading this and has a retired blog but is still reading, I'd like to hear from you. Likewise, if you want to start a blog, you should give it a chance.

Thank you to everyone who reads for going through this journey with me.

If this works, I will have included one of my favourite pictures of me and SG.

Meal Plan

April 10th, 2016 at 02:16 am

- fish and chips with mixed veg
- salmon fish cakes with cauliflower cheese
- slow cooked pork with potatoes, veg and Yorkshire puddings
- sweet and sour pork with rice or noodles
- eggs, chips and beans
- use up any leftovers day (or two)

One step forward?

April 8th, 2016 at 10:30 am

I absolutely love my bank. Yesterday I applied for a loan and I was approved!!! The paperwork came today and I sent it away.

It's for 7750. I'm still planning how I want to distribute it between my debt and hubby's.

I'm so excited about this!!!

Oh the rate is 6.3%. Over three years.

Meal planning

April 4th, 2016 at 06:33 am

I've got my meal planning hat back on. This is what this week looks like:

-slow cooked chicken with mashed potatoes, mixed veg and Yorkshire puddings (yesterday)
-Spanish rice (using leftover chicken)
-Italian style fish and rice
-baked potatoes with beans and cheese
-leftovers for other meals

Hello April

April 3rd, 2016 at 03:08 am

We're barely three days into the month and it's already not going to plan. Hubby ordered a few household items from his catalogue and put it as buy now pay later. I want to get it paid off before the year's up. In case you're wondering, I was oblivious to the fact that he was doing this. So much for being on the same page.

I owe 73 to my EF. I am going to do my best to meal plan and basically try to keep my money. 26 days until I'm paid again.

I've been spending alot of time on Swagbucks, too much actually. I want to redeem more this month to put towards the cot so I'm trying my best, I've even been playing videos on my phone. Minimum effort there although it takes a lot of battery.

I need to update my new debt total soon.

Approaching payday etc

March 2nd, 2016 at 05:41 am

It's payday on Friday. Nothing to brag about though, it should be called The Day I Give All my Money to the Catalogues.

It was my uncle's funeral this week. Before I went I tried to remember who wasn't talking to who, but I needn't have bothered because it was so obvious. My cousin, who is currently serving time, was even there. I gave him a hug and made sure to have a quick chat with him.

I've made a few new Facebook friends since then. I thought it was only after weddings that this sort of thing happy, but apparently it's funerals too.

When I came home after the funeral and wake, I told hubby we need to plan for our funerals. A few arguments almost happened over money while I was there. Then there were other arguments too, ranging from etiquette to who should or shouldn't be there. Everyone has an opinion about everything it seems.

My bank balance is abysmal - it's not negative but it's bad enough. We can survive till payday though, there's plenty to eat even if it isn't our first choice.

I've started to do surveys again. I redeemed 5gbp PayPal rewards and put it to bank of Scotland, even though I really should have kept it for cash flow.

Little tidbits

February 25th, 2016 at 07:11 am

Managed to bag a free personalised mother's day card from Money Saving Expert today, worth 4.99Gbp.

SG's birthday is fast approaching, we will be using high Street vouchers that were meant for Christmas.

Things here are tight but we're getting by. I found a new frugal blog to follow, Frugal Queen, so I'll be attempting some of her recipes. I might also make Jack Monroe's 9p kidney bean burgers at some point.

My uncle's funeral is next week, seems money was the reason things weren't moving along quickly. My mum offered her savings to help but her other brother declined. Went to visit my cousin, who explained to me exactly what happened when my uncle died. I think he wanted it off his chest.

Update

February 21st, 2016 at 10:19 am

I didn't realise it had been so long since my last entry.

Things have been quite busy here. We have a potential move in our future. Might have to touch savings if we do end up moving.

My uncle died. He had been ill for a while. I'm not sure when the funeral is. He was single and unemployed so I have no idea who is footing the bill.

I had a birthday, although it was spent getting ready for the housing officer coming over the next day.

Found out we are entitled to healthy start vouchers. They can only be used to buy fruit, veg and milk. I sent away the form a few days ago.

Plodding Along

January 19th, 2016 at 07:13 am

I never mentioned it earlier but when I paid the catalogues I had to take money out of savings. It hasn't been replaced yet.

It's crystal clear that the majority of our money goes to debt repayments.

Trying to be more frugal. I think I lost my way a bit there.

That's all for now.

Blogging Anniversary Tomorrow: 10 Years

January 13th, 2016 at 07:32 am

I won't have time to update tomorrow so thought I would post now. Tomorrow it has been a whole decade since I started my blog. Wow, that's a third of my life.

When husband quit in December I was considering not blogging anymore, but I was just feeling down then. I'm glad I didn't stop. Even if there's not much to write about I still enjoy having a blog.

I'm pleased with my progress over the last few years.

Thank you for all of your support guys, and of course for reading!

Vague meal planning

January 11th, 2016 at 04:56 am

I can't remember the last time I posted a meal plan. This is roughly what we're having this week:

-Gammon pineapple, chips/leftover mash and peas (tonight)
-one pot ratatouille with chips or potatoes
-chilli con Carne with rice
-leftover chilli with baked potatoes or pasta
-hamburger pasta (Husband's request)

I'm using leftover gammon for sandwiches.

Day ten of 2016

January 9th, 2016 at 11:10 pm

It's my aim to track spending. So far we've spent:

Debt repayment: 537.42 (366.26 hubby's catalogues)
Shopping:should be 60,can confirm later when shopping arrives
Misc: 10.80 on slippers for the kids
4.00 bus fare
1.00 on card at work
Utilities:20


I'd love to spend as little as possible if I can get away with it.

Payday blues

January 8th, 2016 at 06:36 am

I never thought I'd ever use that as a title. It's payday, husband's first unemployed.

It's been a strange morning, signing in to hubby's catalogues to pay them. Then asking him dates for the direct debits that come out of his bank so I can prepare for them.

Then ordering shopping online and making myself pick value brand. I'm determined not to waste money, so getting more food for my money seemed sensible. I have a rough meal plan too.

I've just been feeling deflated all day.

I'm trying to think positive. We have food and a roof over our heads, what else do we need?

Dear January,

January 3rd, 2016 at 02:40 am

We have to talk.

I wanted to bring it up now sooner rather than later so we can fix this. Don't worry,it's me not you.

We are three days in and you keep reminding me I haven't set any financial goals. While I appreciate the concern it is driving me crazy.

Also,the days are long. Now the nights may be too. With 28 days left I'd like to nip this in the bud.

As you can see,I'm the problem. If we could remain friends I'd be happy to see you next year.


yours

Scottish Girl