December debt destroying *blows the budgeteering bugle*

(481 Posts)
claretandamberforever Fri 29-Nov-13 17:53:00

Okay, so probably not much debt will be getting destroyed this month, but hopefully we won't add too much to it.

Here's the thread you want if you need to keep a spending diary somewhere, confess money sins, ask for help or have a general whinge at the cost of living.

Welcome to any newbies

WaitingForPeterWimsey Sat 30-Nov-13 12:46:09

Thanks for starting new thread, claret. I am in!

We started down this road (I've nc) when Dh got made redundant and then had a 40% paycut. He then lost his job hmm so now we are living off my income, which is a 66% drop in income from this time last year shock

We were lucky enough to be comfortable before and are now just above benefits thresholds.

So far I have slashed 7k per year off our spending and now thinking about making more rather than spending less. Just joined topcashback and realised how much cash back I could have got when I switched all my insurance products - £84 for my house insurance alone!! So worth a look for anyone who isn't already on it. For anyone in the know, is quidco worthwhile too or are they much the same?

claretandamberforever Sat 30-Nov-13 13:40:19

I only use Quidco so I'm not much good for asking how comparable they are to the other sites

Same happened to us, DH got made redundant in 2009 and his income went down from £1800 a month to £1100 when he thankfully got a new job. We'd used his redundancy money to pay off some loans which had been £300 a month but were still £400 a month down. These are financially scary times we live in. I try and look on the bright side and think positive that at least we are not in Syria etc.... but it's just hard when it's happening to you and it is your crisis.

I'm also really bad at falling off the wagon, stopping tracking finances and starting to treat myself more and spend dosh willy nilly then when we need some cash for road tax or car repairs, we have to resort to the CC whereas if I track our spending and question every purchase I can have some money left over.

Welcome aboard waiting (who is Peter Wimsey?) I started the thread a couple of days early (DERRRR) so we're still on the November thread but there will be an exodus over here tomorrow.

WaitingForPeterWimsey Sat 30-Nov-13 14:24:39

Thank you - will look at Quidco! smile

Yes I know exactly what you mean about when it's your crisis. I hope things get better for you very soon We can only manage to pay our monthly outgoings by spending our savings as my salary alone won't cover mortgage plus bills and then when the savings are gone they are gone...so just trying to keep very positive and believe DH can get another job soon. Need brew and biscuit biscuit

WaitingForPeterWimsey Sat 30-Nov-13 14:26:15

Oh and Peter W is a lord from a series of Dorothy L Sayers detective novels - clever, wealthy... I think I'd better not let DH see this new username grin

busylizzie76 Sat 30-Nov-13 16:51:13

Hi all - sorry been a busy week.
Well done to everyone doing so well at saving and cost cutting.

I had been doing so well up until today! For 6 weeks I have managed to spend under £25 on weekly food shopping and nothing during the week, except petrol and kids activities.

Well, I have just returned from the Sainsbobs and I managed to spend an eye watering £125+! I need to justify myself!

£38.38 on food shopping: I am not planning on going again for at least 10 days (apart from Cat food)
£12.48 on toiletries (but my fav hair dye was on offer £9 for two so had to as normally would be £12 for two) plus some ibuprofen, strepsils etc. to restock due to colds.
£20 on kids birthday party gifts - DD is going to a joint party tomorrow for 5 little girls! Bought some reduced Hello Kitty hand warmers....had wrapping and cards at home already.
£34.99 - printer ink - I have an Epson and it only likes official cartridges! Been holding off getting these for ages.
£24.77 - on all of my 2 DCs stocking fillers......2 for 3 range and had a 600 points if you spend £15 voucher.

So, although it sounds bad I did save over £20 in promotions and got over 1,000 nectar points too.

One really good thing it that I now have over £125 in nectar points and I am hoping to keep not spending these in order to buy DS an ipad mini for his Xmas......he has already saved up £120 buy selling his 3DS on ebay.....frugality in training grin

Hope you are all having a lovely weekend.

busylizzie76 Sat 30-Nov-13 17:03:13

Oh further penance: We are having a frugal but lovely dinner tonight.
6 x frozen sausages - 45p
packet of batter mix - 15p
To make toad in the hole

2 baked potatoes - 70p (1/2 for each DC)
frozen mixed veg - 18p (1/4 of a packet)

So, dinner for 3 for £1.48 + electricity costs smile

CremeEggThief Sat 30-Nov-13 18:15:19

Just marking my place for now. Thanks for starting the new thread, Claret.

Another huge fan of Lord Peter Wimsey here, actually. smile

Ohhelpohnoitsa Sat 30-Nov-13 19:04:55

I'm here again; join every month with excellent intentions... then disappear. So far so good. For petrol & groceries I have a budget of 1000 a month. cc used for this is already at £800 with 13 days still to go to cuf off. Doesnt look good, BUT, all Christmas presents accounted for except. maybe £60 worth. My own personal account looked fairly healthy for an hour or so on payday, until mortgage & bills were direct debitted. So, getting by. However, getting by is not where I need to be. I need frugality to start saving for holiday & new flooring. So I will stick with you all this. month and next to get back in to good habits. I first joined these threads in January 2013 & there were some fabulous regulars who really gave you food for thought. I really hope they rejoin.... was it fluffycloud who made her own wash powder and ground dishwasher tablets in half!?

Ohhelpohnoitsa Sat 30-Nov-13 19:10:30

Can I add a tip for the next three weeks or so. Bit of retail industry whistleblowing......... supermarkets will discount heavily over the next 3 weeks on things we shoppers try and do without on the expensive run up to Christmas. So they will do good special offers, but on things they expect not to sell - so look out for wash powder, dishwasher powder, comfort etc. Stock up!

WaitingForPeterWimsey Sun 01-Dec-13 08:25:54

Oh that is really useful info - thank you!! I'm all done with present shopping so will look out for bulk buying bargains.

WaitingForPeterWimsey Sun 01-Dec-13 08:34:53

Thanks for that oh - will look forward to hopefully getting some bulk buying bargains smile All done with Xmas shopping thanks toReastie's threads.

So, today is 1 Dec and as DH is still out of work our aim is to spend nothing other than on food and essentials. Dm and DF have very kindly stepped in to pay for this term ds's gym tot type activity as an early Xmas present blush and other than that we are trying to spend zero on anything other than mortgage, food and bills - no soft play, no coffees, no unnecessary petrol etc etc. For days out we will be doing library, walks to playground taking own picnic etc etc.

Fingers crossed DH will get a job this month and by Xmas things will be better smile

Helenagrace Sun 01-Dec-13 08:35:23

Hello!!!

Not too bad end to November. All Christmas spending done and we're away over Christmas so I'm not buying sweets and chocolate until we get back when it will be half price hopefully and the DCs will have eaten loads and won't want any

I overheard two assistants talking in Sainsburys and they seemed to be saying there was another 25%weekend coming up this weekend grin

WaitingForPeterWimsey Sun 01-Dec-13 08:46:07

Hi Helena, it's a great feeling having done all theXmas spend, isn't it? Hope they do have a 25% weekend - would be great grin

Thought I might post our free days out list, in case it inspires anyone - all really obvious but really has helped us save:

Walks
Playground
Local farm with free entry
Library (has a baby rhyme time on a Sat)
Local children's centre has a Playgroup on a Sat
Book shop - lovely children's book section and as we've bought so much there before they are happy for us to browse and not buy

WaitingForPeterWimsey Sun 01-Dec-13 08:55:03

Oh and blush even the supermarket is a very much enjoyed trip out for our toddler DS!!

Turnoffthelights Sun 01-Dec-13 10:55:12

Thanks for get well messages on November thread. We're all feeling better but will enjoy another day snuggled up on the sofa!

Had a bit of a panic yesterday when I checked wages on online account. It appears that I'm only £30 better off after increasing my hours (now working 28pw rather than 22) I'm holding off full on meltdown until I've checked my payslip tomorrow. This is also the first month I've bought childcare vouchers so I'm hoping the extra £30 net pay is a result of not paying tax. My worry is that extra pay has been eaten up by ni, student loan and pension. Just hoping that admin hasn't been done and actually il get double extra pay in December! If not il have to reconsider the extra hours as I won't be able to afford childcare.

My budgets for December:
Petrol - £300
Food - £200
Childcare - £300
Misc - £100

Thanks for days out ideas wimsey these will really be of value in the new year. I'm going to try to find some Saturday play groups!

I also read someone (maybe on here) say that they still treat themselves to outings but will go for the cheaper option so rather than go out for a meal with the OH, go out for tea and cake or rather than meeting friends for dinner, meet them for brunch. We'll be trying not to go out at all in the new year but this tip has really struck a chord with me.

Good luck everyone with keeping festivities as frugal as possible!

Helenagrace Sun 01-Dec-13 10:59:22

Local museums often have free or cheap family activities. We used to set treasure challenges to make walks more interesting (who can find a red leaf, a twig that looks like the letter K, a toadstool etc). We've also taken a flask of hot water and a drained tin of cheap hot dog ssusages and added the sausages to the flask and had a hot dog picnic in the winter - better if you've got a stash of ketchup sachets!

winkywinkola Sun 01-Dec-13 11:05:35

Marking place. I'm rubbish at cutting costs and really need to.

Fluffycloudland77 Sun 01-Dec-13 11:25:01

I find topcashback quicker at paying out, my car & home ins payout only took 2 months.

Possiblyorange Sun 01-Dec-13 12:45:00

Have finally tone through and balanced the books (as far as possible when living in one's overdraft!) for November, so I am officially prepared to accept that December exists.

The budget for this month is just plain scary - car MOT is due in a couple of days and I am just praying it isn't too horrendous. Last service was cheap to am expecting it to be expensive as they seem to alternate.

The sum that needs making by end of Dec is inching downwards, but needs to be going quicker. Eek!

Hi all just put xmas decs up

had lovely afternoon at panto yesterday £9 lunch n £5 parking n £3.50 on a light up sword.

Realised on way home car lights not working high beams n side lights work so thinking Maybe a fuse trip to garage tomorrow

Oh n kettle is on its way out luckily found a gift card from bday i hadn't used for debenhams so that's a new kettle ordered old one best last til its delivered.

ilovepicnmix Sun 01-Dec-13 16:48:13

Hot dog and flask is a genius idea helenagrace!

Did my aldi shop and spent £35.40 as I totted up as I went round. I bought a bottle of their Irish cream for DS to give his dad for Christmas but realise I just bought the ordinary one. Does anyone know if it's ok??

claretandamberforever Sun 01-Dec-13 17:03:24

1st non-spend-day of the month grin - although DS1 will have a £10 fine to pay as he got a yellow card at football (under 17's). He's paying it, I'm not. Christmas tree's up now and the house looks all lovely and twinkly

busylizzie76 Sun 01-Dec-13 17:54:59

Happy December 1st grin
NSD number 1

Fluffycloudland77 Sun 01-Dec-13 18:08:35

I've good things about their Irish cream on here.

I can't have it due to allergies otherwise it would be used in place of milk in tea from November 1st until Feb 1st every year.

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