Money-managing Masterfully into May - Frugaleers unite!

[needastrongone]

Thread continued for old faithfuls, new posters and anyone else that would like to contribute.

Financial talk, tips and discussion, with quite a lot of other stuff too.

We are a friendly bunch and there's lots of support for new and old.

That's interesting about tears, Sunny. I love human biology, we are amazing!

Don't mean to moan about DD she's lovely really and has coped really well with all the recent change. I think we're all a bit tired and irritable today. Fresh start tomorrow.

I forgot to say, but my db mentioned that Lego is 20% off at Tesco this weekend. We're celebrating ds's birthday today expensive so are already all lego'd up, but thought I'd mention in case it's useful to others.

We've had a nice day building stuff and tomorrow is likely to be much lego battling. It weird to have ds be turning 7. That's a whole different kind of age.

7 is a good age. DS is 7 and is awesome. :) Happy birthday to your little (not so little!) Lego fan!

Just been out for a pub meal with DS, as our bank holiday treat. £35 for 2 mains, 2 soft drinks and 2 desserts.

Good to see you back, Mammy. That's interesting your sister went to college there. Fair play for writing such an epic post and catching up with everyone. It's been a busy week on the thread!

Dd was 7 last week sunny it's a good stage

Creme she also worked in students union there so was there for 7 years in total & her boyfriend still is so she's still got ties there. My grandaunt lived there too, we used to visit her most Halloween breaks. It's a lovely town.

Eugh. Dh and I are arguing about money again. I told him how much the childminder bill will probably be and he said 'well how are you going to pay that? It's hardly worth you going to work'. Yeah thanks for that...

Oh wreck does he not realise childcare isn't solely your responsibility

Ynab is down too

He says 'well I haven't got any more money to give you'. Sigh.

The cat needs vaccinations next week too.

Wreck wow. Errrm how about it comes out of family money, WreckDH?

On a more practical note are either of you doing the childcare voucher salary sacrifice thingy?

Nope. I don't pay tax and I can't work out how to do it for Dh the thug is Dh doesn't have much spare and I get that, it's just the way he says things. He could have said 'ok let's see how we can make it work if we put all our spare money together etc...' But instead he cops a strop and I'm the one who ends up trying to work it all out. Again.

It's not just your responsibility though (but you know that!). :(
We were in the same position, I didn't earn enough to pay tax so couldn't do it. DH just went to HR and they helped him set up the voucher account thing, and then it was taken out of his pay before tax. All we had to do after was print out the voucher each month and give it to the CM.

Yes he'd be down £X a month or whatever in his pay, but then less of his pay would be taxed (I think that's how it works isn't it? Comes out of pay before tax? I am quite clueless TBH hence my earlier tax return post... ). And you'd have the money in your pay instead, so he could always transfer a couple of bills to you instead or something. You'd still save money overall that way instead of paying cash. But I suppose it does require effort on his part! Maybe the savings will entice him?!

wreck thats a bit shit, sorry. Its tough if there isn't spare money to help, but I'm sure you could do without the strop and sulk routine.

Just £7 today in the coop, and £2 of that was a lottery ticket, so I could be a millionaire by now ha ha ha, as if

Good day at the shop, dp was very busy, we took lots for a saturday. Our club boys are being very supportive after a horrible week. I did 7 miles on my rollerblades, mostly with the girls.

I need to get a tiny chicken coop next week, as we should have eggs hatching soon, even a tiny one will be about £80. Might just buy some timber and get on with it Homemade must be cheaper, we've got so much lying around.

And ex is late putting the money in, first time since his abuse at new year. I am not contacting him again, so things might go a bit pear shaped. I will call the child maintenance people again, but it's overcomplicated as he lives abroad, and they are unenthusiastic about chasing him.

Back from dinner out. A bit of a fad sorting out the bill. Initially we were going to split it. Then remembered that I wasn't drinking.

Then it became difficult. Instead of taking mine off and splitting the rest it started working out what everyone had had. Until I suggested taking mine out then splitting the rest. So £63 for dinner for dh and me. Nice evening though.

Who did you go with em? I'm pleased you didn't pay for everyone else's alcohol.

I do actually have enough money to pay for it all myself. Including the pre school bill. BUT I wanted to get some clothes for work as I really don't have any and I have a hen do I need to pay for which I don't really want to go on because it's going to cost loads. Oh well.

Going to a friends for a bbq today so that'll be nice. Will have to pop to tesco to get something to bring with us not sure I have anything in already.

Sorry to hear that DH is being unsupportive wreck. I can't remember exactly, but wasn't your new job better as it was term time only or something. So short term pain, long term gain? Maybe remind him of that.

snuggly the early weeks of newborns is all about survival and you get extra with twins. Some days you will smash it with all the extras that you do, other days you just make sure everyone is alive and fed and that is genuinely great too!

Didn't go to the beach yesterday as it was grey and windy out. But went for a walk and the kids got to play in a play area at the end so it was good (and therapeutic). I then may have taken a long nap and still had a great nights sleep

Yesterday was parking and lunch out so about £15

Hoping for a LSD- hopefully just £1 milk. Due to rain all day here so will be a roast dinner, catching up with housework and entertaining the DC. Actually my favourite kind of Sunday!

wreck just out with a friend and friends of hers and dh. Ordinarily I wouldn't mind just splitting the bill. But as I wasn't drinking mine was about £20 cheaper overall.

Dh was laughing at how crazy the bill splitting was. Initially they were going to calculate exactly what everyone had. I did suggest just work mine out. Then split the rest. it took ages for that to sink in.

Catface was annoyed we were out so late! She demanded head scratches until about 1130. Then slept on my tummy. I got up at 4 to shut her out the bedroom as she was meowing for attention.

Dh is now skyping mil. 🙄

My dh refers to the money he puts into joint account often as I didn't put your money across yet I always correct him & say you're not giving it to me it's just your share of the bills. He also doesn't participate in the working out.

Wreck can you put it to him like this is the amount of money we'll have spare during the holidays & plan what to do with that money to make it a nicer prospect?

I made a complaint about our internet speed, it has been around 260kbps should be up near 10mbps, it's now 15mbps hope that lasts it would stop dh complaining about having android box vs sky

Ah wreck that's shite. Salary sacrifice comes off your pre tax pay to be converted into vouchers. It saves stamp and tax but has a long term impact on contribution and pension. It's capped at £243 per month.
I do it as I'm not the main wage earner and my pension is rubbish dh doesn't add it would impact too much on his.
Depends if your child care provider takes them to

No other spends yesterday
Today going to the beach so will be a few spends suplimenting pic nic with chips

We're heading to the boat show today. Dh wants to see about getting one of these:

m.lightinthebox.com/swift-outdoor-inflatable-hangout-air-sleep-camping-bed-beach-sofa-lounge-lazy-chair-only-need-10-seconds-sleeping-bags_p4965267.html?currency=GBP&litb_from=paid_adwords_shopping&sku=1_6590&utm_source=google_shopping&utm_medium=cpc&adword_mt=&adword_ct=153419714312&adword_kw=&adword_pos=1o1&adword_pl=&adword_net=g&adword_tar=&adw_src_id=7274643821_686948352_34175895086_pla-275467641799&gclid=CIiOzMbHy9MCFYW4Gwodnj8EBw

And he wants to check out wetsuits for his paddleboard. The paddleboard shop here sell the couches too.

life you are so wise. I salary sacrifice but I never considered the impact on pension and life cover (from my employer) that it might have. I think I fall in the category of not being a great earner but I just made DP sign up so I better look into it more.

Thanks love but I'm not really. I'm an analysis/Investigate kind of person so like to know everything about stuff. Check out mse website.

Em, they look awesome. Perfect for kids room sleepover. Will you report back.

life will do. We're thinking of using them for outdoors furniture initially. They'd be great for the beach.

And from what I know they just roll up and are super easy to store.