Waiting for pay day!!!

Friday, 8 April 2011

Waiting for pay day!!!

When is pay day!!! Ahhhh Ok need to get serious now! Have paid two big bills - the overpayment from DWP when I was made redundant and a shortfall in child tax credits has mean't I have had to fork out £200 for child care! Seeminly they have overpaid me this year and the last payment was £200 short of the child care bill.

I am awaiting the nasty mechanics bill for the mot, service and work to get the car through its MOT. I am hoping about £350 tops. Then I have tax to pay - £120. SO the best part of a further £500 quid from the savings. I will be frugalling the shopping till the money starts comming in again. The extra spends - trips to Carlisle and such have all added up. My mobile bill was also over budget by £20. I have beenusing the phone to make necessary phone calls and have gone over my limit by £17!!!!!!! I never use all my minutes. I have a contract so am a bit tied. My goal is £25.

I have managed to stay within my budget for BT- intrenet has pushed payments up a few times going over my down load limit. Working full time I should save money on heating and phone calls and such but will be paying more on fuel and using the car more.

Meagre shopping and being creative with the freezer stock should help.

Positive note its free weekend tomorrow and we wil be taking a picnic and not indulging in souveneir shops.

Ho hum a frugaling I come!!!

2 comments:

Rebecca8 April 2011 at 08:13
I hope the car isnt too much for you, could you not re-negotiate your phone contract to save a bit of money? x
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Eeek9 April 2011 at 00:09
I am hoping too when I have had the phone for a year. Have also misplaced the soddin glasses!!!Will check around places I have been but am resigned to having for fork out for another pair. Positive note only spent 20 on food and bits this week - I like us to eat well normally and needed to restock a few things - bags of chicken etc Will get through it!
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Why do I Blog!

Well primarily for me its a cathartic get it off my chest / a means to organise thoughts / to take stock. A journal that in 2012 has an interactive ' Dear diary' that is vast.

I don't write to share wisdom. Have very little of that. I don't claim to have an aspirational lifestyle of any kind. I dont write for it to be read even. If it is and my mad mixed up life interests people, makes them laugh, is a bit of a soap opera, whatever then that's great. Blogging - a bit of an affirmation of real life life choices maybe....

Sometimes my blog brings order and reflection to the real world. Sometimes Blogland folks share pearls of wisdom which is very very cool! :-)

I ve gained a great deal from reading other peoples blogs. Different ways of life are always interesting. I don't get involved in giveaways or stuff like that. I think its lovely though. Am pants at choosing gifts and it would give me no end of nightmares.

I read blogs before I blogged. Some people share so much and through reading I have learnt a great deal.Practical and otherwise.The tips are fantastic for frugal stuff. As are the stories of strangers lives. INSPIRATIONAL and all wonderfully different.

I m a bit of a roller coaster girl up and down. The blog keeps me more train like. Also an outlet for the negative stuff. A bit like wind. And by that I mean the gaseous stuff. BETTER OUT THAN IN. My blog is then a load of old fart.....this amuses me greatly.

Thanks Dave!!!

Once upon a time the end was in sight and financial freedom from my little debt of under 5k was nearly within my grasp! December 2012 if not before with the benefits of frugality however our friend Dave had other plans!!!!

I was made redundant from my job with a pish package I took what I could find till a full time position. Finally taking a 10k salary drop.

In 2009 I invested in property buying my house with a 15% deposit. n 2011 after three years of home owning and negative equity to the tune of 12k I have finally sold and now have jack bloody buggery shite. What smarts is that I gave up time with my small child in favour of seeking security for us. If only I had done the opposite....... rented, claimed top up benefits and saved my hard earned cash .... quality of life for me and weeny girl for three years would have been be better and we would have a cash sum in the bank and no debt.

You play frugal, play independent, watch your consumption, don't do frivalous sofas or new cars, no nights out at the pub type debt just what you have to! After a double whammy from the government - house market slump and Local Authority redundancy compounded by rural living what is a single mum supposed to do???? = Suck it up, Keep smiling, and use a brush instead of a hoover.