Whoop, its payday!

Got the bus into work today as I have no car, and I will be indulging in afternoon alcohol.  The bus was on time – although I thought I had missed it, as no one was standing at the brick shelter. I strolled up to the stop, and the bus pulled up… its like buses should be!! Have i moved to Utopia in the night?

Righty -o its Friday

I have booked a cheeky half day (I had 52 days leave after being on maternity leave and its fairly sunny and my boys are at home and DD2 is going to her dads for the weekend) – really I just fancied it.

I have calculated the sums and done the maths again, and made some readjustments. In the short term, Im going to make less massive inroads into my debts, once we move I shall have an additional £500 to plough into the debt.

Taking it from 1450 to 1950 per month. The reason that the additional payments of £100 are being cut is to pay for the holiday and pay for the rest of the work on the other house, so we can move faster. I will still be overpaying on my debts by £50 a month though. Additionally, I have had a rethink.

Pay off Phone Bill

If I pay off my old Vodafone account, the default is still going to be there for 6 years anyway. I dont want any additional credit right now, and Vodafone is being charged at 0%, so why settle it this month (apart from on an emotional level I would have loved it) I will roll with it, make my regular payments til I get our holiday and then settle.

I had a discussion, last night with the DH. He is a treasure, and fully supports this process, but says things and “forgets”. Example. School uniform night last night, the spend was horrendous as its all got to be from their suppliers, credit card still showing zero balance but wont til that little lot hits, bring on exasperated mum and frantic updating of figures and ringfencing of money in the savings on the spreadsheet to make the payment (yes have the money but using the card like a good girl to get the interest free for 30 days thing) and recalculating and checking still on course for the holiday… yes good, with adjustments, can have our family break no bother.

Joey’s PC

OH pipes up about collecting his new computer today (he works in Tech Dev and needs a decent machine at home, he also makes a bit money on the side doing tech support) and also his hobby is gaming and the old one wasnt up to par. So we saved and budgeted and bought the beast, got deals, money off and bought local so we could collect and no delivery charge. Then, in passing, he mentions some game which is coming out, he normally downloads them he said, but would really like a copy of this one, blah blah.

I said we each have a budget of £20 we agreed on, which is for fripperies. If I want something, I will save my £20 up. I have been using it on damned twixes though. He was saying about a one of spend of £35 for a game and mentioned he still wanted his magazines and books for the month too. I could feel my blood start to boil and we had the conversation *again*. Now hes generous with me, but I wont spend anything on myself. My role seems to be as spoiler. 🙁 I am getting my hair done at the weekend of the 25th, but I am using the birthday money I resisted investing. Its not the cut, those are budgeted for its my fancy schmancy colouring with foils and faff.

Well following this little uproar and outrage, we discovered it was pre order now, and is out in August, his birthday is September. I said ok then, pre order it, and its from me to you for your birthday, then I can get him something from “the kids”. I need to realise my mindset has changed, and people are along for the ride but sometimes need reminding of the situation.

Anyway, DH has just texted me, theres another item been collected from my ebay sales, and another £50 towards the holiday fund (investments are suspended during holiday saving time too, but shall resume once this has passed!)

Just get on with it…

Eeh eck. But its a hard journey at times this money malarky. Anyway, back to the half day. Im going to the post office on the way home, then home, where I will do washing and I will try and start cutting the grass til the lads get back. I will then take DS to the doctors despatch DD2, do a half hour of ironing, list a couple of ebay items in turbolister, and count up loose change £2 coins update spreadsheet, etc. Box of chocolates eh, but of an unexpected chewy last night. Love my family – just want to build a strong future (not at the expense of strong memories), so onwards onwards xx

Introduction

I’ve not really done all tha bad with my debts.  I mean I do leave within my means to an extent.  When Jess was born I was on Maternity leave for a year and I started to think about setting up a few new projects.  I didn’t really do much – I started a blog then didn’t do anything with it and then before you know it a year has gone by and I haven’t done anything.  Ive not done well enough, and I waste money.

Current Debts

Here are the debts in a nutshell…

Personal Loan:
Opening Balance: £6,500
Closing Balance: £6,500

Tesco Credit Card:
Opening Balance: £1,400
Closing Balance: £1,433

Owed to Family:
Opening Balance: £15,000
Closing Balance: £15,000

Car Loan:
Opening Balance: £6,400
Closing Balance: £6,400

Natwest Credit Card:
Opening Balance: £2,070
Closing Balance: £2,410

Personal Student Loan with SLC:
Opening Balance: £12,950
Closing Balance: £12,950 (est)

Loan from Brother

Opening Balance: £17,902
Closing Balance: £17,902

TOTAL

Closing Balance: £62,695

Wasting Money

Wasting money is so easy. Its a packet of crisps from the work canteen at 48p, when a packet in a multi pack works out at 22p. Its getting a Christmas present for a cousin for £25 when you budgeted £20. I need a kick up the backside, support and a bit of advice.

I work full time and I have one kiddy, she is 4 now and is preparing for school as I type this.  She is so messy (get down Jess!).  I am with my partner Joey and I live in a rented house. I also have a house which was awarded to me as a divorce final settlement (10 years after the fact) which we are renovating, and thats both an art and a bit of a mess to fix up.  Joey and I plan to move in to stop throwing away the £350 a month on rent when we are also paying a mortgage.

Right now we cant live in the house, its only just been plumbed in and needs quite a bit of fixing up. We are on course to have part of the mortgage released from retention. I’m not sure if this a good idea!?  I am starting again and keeping a diary on the blog. I am going to give myself some targets and try and check in regularly, during my break at work. I’m on an eBay binge too – I sell everything on ebay.

I just need to regain control and get a grip.  I’m going to be updating the blog regularly.  I will check in next month!

Do you have any comments or suggestions?  Please use the box below and get in touch!

Sal x