Judiciously June frugal thread now including Christmas bargains.

[Fluffycloudland77]

Everyone is welcome.

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Free £5! Dh has socks coming, don't forget 7% at topcashback.

I think the multipacks have sold out though, other people are buying school uniform.

Marking my place so that I can find you all again, and give myself a chance to go back and read the thread.

Depending how old your DCs are I would repay them, then DH - at least tell him you plan to and if he doesn't instantly say what Fluffy said then stick to paying him.

Then do what Fluffy said with the rest.

I always pay DDs back first, currently owe DD2 a tin of sweets and money for school materials.
Today I plan to buy honey and almonds from the greengrocer and poss a little veg.

Money is still tight so DH is getting a couple of bars of naice chocolate for Father's Day and DDs like making cards, which is handy.

£5.69 in Waitrose for 2 punnets of strawberries and DS's favourite ice cream. That brings our shop for week to just under £75.

DD is 4 and DS is 7 months so both completely unaware of the debt I have to them!! Although €100 of DD's was a prize and I planned to buy prize bonds with it so would like to get that a bit earlier than last to pay back really.

Dh gives me money towards bills each week if I let him keep that for two weeks we're quits so might do it that way. I have done the other debts in order of interest rates, well Littlewoods I'm not certain about but it's a small debt which will be cleared soon.

Got £10 from giffgaff for referring 2 people. Then spent £9.02 in Aldi on fruit for the rest of the week.

I've bought dh a reduced book, £3.99, his favourite sweets, £3.00 and a bottle of cider, £1. Dc have picked a 99p card from the Card Factory. He'll be happy with that. We've agreed to just send a card to our own dfs.

I agree with Fluffy. Pay dh first for harmony. Pay the debt with the highest interest, then the next etc etc then the dc last.

thanks for the advice fluffy,adorabell and iamnotanugget, glad I'm on the right track

Spotty have a great holiday

DD is having a tough time with her exams at the moment, so I am trying to make the food she likes. I have got her strawberries and ice-cream as a treat for pudding tonight. Gosh I know how to live

NSD hooray!

Fanta it's a horrible time for them isn't it?

Fluffy thank you, yes it is a horrible time. It seems to be going on for ever, even though in reality it is only a few weeks. It has put years on me!

fantasea I hope she does really well after all the stress

Me too, Fanta.

Lilac, I think that's a good idea, to swap the debt for the bills money for a few weeks.

NSD.

lilac and CremeEgg thank you both

lilac that sounds like the best idea, letting DH keep the bill money for a couple of weeks.

£2.15 on stamps. £210 on a set of facials. Buy 6 get 2. It's something I've wanted to do for a long time and this is the best deal I can get.

Does anyone do swagbucks? I signed up after mse said they'd give a bonus amazon voucher but I think it'll be months before I have enough points. Are there any tricks I'm missing?

I really need to generate around £700 this year. I've sold stuff on ebay and fb and once we've got our new mortgage in place I'm going to apply for a couple of credit cards so I can get the cashback. I thought I might make a couple of hundred from surveys but we're half way through the year and I'm not so sure now.

When's dd's final exam FantaSea? I remember very clearly doing my A-levels. It wasn't a great time for me. I'm sure she appreciates the little comforts your providing. Not long now.

nugget thank you, DD's final exam is next Friday 20th. She is in her fourth week of exams at the moment and is really flagging. I also remember my A-levels about 100 years ago, and it wasn't the best time for me either, so I do understand how she is feeling.

Lilac it would be better to pay off a credit card before returning to DH if he is happy with this as he will be earning very little interest on it, and the credit cards can have punitive rates of interest.

Having banked DH's money, I have today cleared (well, all the payments will go out tomorrow):
Opus credit card. £1,206.12
Barclaycard. £7,566.40
Bank loan. £11,973.53
Tesco credit card. £2,307.95

That lot comes to £23,154.00

I still owe a touch under £5,000 on a Halifax credit card which is interest free until March. The plan is I will now put money into savings monthly to pay for Christmas/holidays and emergency fund whilst clearing the Halifax card at £500 per month. This will mean I will just miss clearing it in the interest free period. Then I will need to start repaying DH's saving account (it was his inheritance which was destined for home improvements).

I have bought a few Christmas presents already, but our DC will notice the difference this Christmas, but they get so much that they need very little. I just need to get into that mindset.

Oh, and, apart from bank payments it was a NSD!

It's so stark written out like that isn't it? Onwards & upwards though.

I'm now hoping that I can stop the feeling of dread as the bills drop through the door.

The repayments for the loan and credit cards (excluding Tesco which is my card to use for everything online) are about £500, so repaying the Halifax and then DH is really staying even there. Then I have reduced my nursery vouchers down to £25 a month (so I stay in at 40% tax relief) do small receiving more salary and now no nursery fees (was £250 a month on top of vouchers) or after school club (around £200 a month) but paying tax on extra salary not sacrificed.

I'm hoping that being so much more conscious will reduce my general spending (remembered to make sandwiches today) without too much impact on lifestyle.

We shall see. however! coming on here to bare my soul to all of you is a confession I can't make in RL. So, thank you all.

Hi all, hope you don't mind me joining. I've had a good read, and think I really need to do this for awhile.

Don't have massive debts apart from £2,000 on a credit card and our mortgage (which is a bit on the exorbitant side, living in SE England).

But we're living a bit hand to mouth at the moment while DH's new business venture is established so really need to cut costs everywhere I can.

Worked out today that my dryer probably costs around 60p per load to dry, and I've been a bit of a lazy arse and tumble drying everything, regardless of the weather.

Last 2 days have been a bit of a washing blitz, 6 washes, so I feel as though I've saved £3.60 by hanging everything outside to dry.

It's been a NSD as I haven't actually been out anywhere. Haven't driven anywhere as the DS's school is walking distance. Afterschool snack was basics biscuits from Sainsbury's (17p packet of custard creams), I put a few into basics freezer bags for each of them.

audit paying off those debts must be a huge relief. I know you have to pay back Halifax and DH but still it should be a weight off your mind.

Just so that you never get into the same situation again, it's really worth tackling the issues in regards to your relationship with money. Why and how do you feel about money? How was money handled/discussed by your parents when you were growing up? Etc.

I know that my parents talked about money a lot and how little they had which made me feel incredibly anxious. As an adult, I have been very rich and very poor. I have always felt anxiety that whatever amount of money I had, it simply was not enough. I'm now in a position where I'm still in the same position as the last few years (without a permanent job) but I can keep my anxiety about it to a minimum because I a)recognise that is my money personality and where it stems from and b) instead of being frightened and paralysed by my anxiety, I have taken control of my money.

Sorry for the badly edited post! . I need to get to bed!

Welcome hayday.

That's amazing, AuditAngel. I can't begin to imagine how much lighter you feel. :).

Interesting what you say about 'money personality' cadbury and how parents attitude now effects yours.

My parents had, and still have, a very maverick attitude towards money. When they have it they spend it like they're millionaires and when they don't huge stress and anxiety ensues. My dad is a contractor so money has always peaked and troughed for them. They have no pension but luckily, in a rare moment of sensibleness, paid off their mortgage in one of the last 'upturns'. I suffered huge amounts of anxiety about money growing up and now I have taken a stable and permanent job as I find the uncertainty of fixed contracts too stressful. As a result I'm on a lower pay than if I took a risk and went back to fixed term contracts.