Still frugaleering into Autumn.....

[Girliefriendlikesflowers]

New thread for us all to chat, support each other and hopefully save some money!!

Oh Rafa now you're enabling! Bloody love those books

Thats fighting talk Need...

Shoes, shoes, shoes!! (Fluffy will love you forever!)

Girlie I don't know how they've decided that. I've given them every single detail even an exact amount as to what we expect to earn this tax year and that won't change as no overtime or pay rises. They haven't even paid me that much since April. Ffs. I'm so stressed. We haven't got any food or any money for petrol I've put £60 worth of fuel in in a week and a half an dh is now moaning he need fuel too. I just want to run away. Will have to cancel the order for dds boots (amazon so money hasn't come out yet). Dd wants to do gymnastics and I have no money to pay for ds' swimming lesson on Monday. I know it's all my fault for being crap with money but it just goes dh moans that I spend too much but he doesn't realise that I'm just buying all the stuff for the dc that need buying he doesn't help at all just claims he can't afford it.

Sorry for the rant I just feel like crying. Must be hormonal.

Somebody enabled me. I wouldn't have known about it otherwise.

Is it enabling to mention there's only a month until the first book of his new trilogy comes out?

Wreck how are they suggesting you pay it back. You may be able to get them to take it back in much smaller instalments if it's causing financial hardship.

I was definitely on this thread 4+ years ago because I remember telling ye about expecting ds under a different username a light purple colour

I look a bit silly in Trainer style like a kid

I vote Christmas. £300 would buy really nice wine. £300 is a brilliant reduction.

I remember when it was all fields around here

Girlie I think I've been here 6 years, I joined after getting married but when we lived in the country which narrows it down as we got evicted the year after getting married due to ll selling. I got let go from my last agency contract the day after getting back from honey moon & as I had savings I didn't go frugal straight away.

Back then I spent £70 a week in sains & £10 a week in pets at home for cat food & thought I was a good housekeeper.

Wreck Can you appeal? They seem a law to themselves & it pisses me off those that claim as lp when their not get away with it.

Well all the letter said is that they have paid us £876 for the year and or entitlement is £0. They will send us another letter after April once they have all the final figures so I guess we just have to wait.

Oh wreck :( that's horrible, it's just beyond stressful when that happens. They have to take it back slowly surely? They certainly pay underpayments back slowly, funny that eh .

Rafa I'm totally out of the loop I had no idea there was an upcoming release! Yay!

You're not crap wreck, kids cost money.

Do any of you remember Lizard? She was spending on the kids because her Dh wouldn't & she was in debt. I saw her on a thread discussing her divorce

He needs to cop on. He's not a single man anymore.

If it's their mistake you won't have to pay, if it's not you can pay in instalments and make it up doing matched betting at the weekends.

Even if it's their mistake you still have the pay. Dh is right in that he doesn't have loads left after putting money in the joint account but he does have some. I had to buy the dc jeans and pants the other day and he says he'll give me some money but he never does. Schools shoes £90. School uniform over £100. Childcare £40 a week. I pay the pet insurance both our phone bills and save a pathetic £5 a month for the kids. I feel like all he does is moan about not having any money but doesn't offer support with the food shopping/meal planning etc. He feels like he works all the time (true) and doesn't actually get to spend any money on himself (also true). I think we need to stop competing and try to work out a fairer way to do it.

Yes, absolutely. No way you should have to pay his phone. You work too & don't moan about it.

Work is part of adult life.

If they have fucked up lets say it's £40 a month, you'll make that matched betting & sort it out that way. Lonely & I do it & it's not difficult.

Men are often very selfish. Dh moaned about paying for paint recently, but he has more spends than me. No sympathy.

Wreck is there anything you can sell or credit you can utilise until end of oct?
I use a fuel card now money comes out twice a month but would a cc with rewards be an option for you & repay when you get your expenses?

My dh doesn't participate in our budgeting at all, but would yours?

Boom. Work done. Feels weird. I cried a smidge. Not buckets just a smidge. It's not goodbye just see you later.

We are now sat at bar waiting for our food. Salt and pepper squids, haddock, onion rings and chippys. Mm.

I won't be do this many miles after next week so it won't be so bad. Separate card for fuel is a good idea though I'll look into it.

Can you guess I'm doing a little carb loading @needastrongone @hollytheharrier @LonelyOversharer 

Added lentils for frugality & extra protein, made homemade garlic bread using mini wraps le yum @ememem84

@ememem84 it will be a different you that returns to work though
Mummyememem84

Use it strictly for fuel @WreckTangled kinda like a company cc

I would ring them Wreck just to double check how they have worked that out, that is so stressful for you. I will be glad when I am in a position not to need TC tbh and I dread something like that happening. They made me feel like a criminal when they asked for all my childcare info, honestly its like they start from the presumption that you are fiddling the system Also that doesn't sound fair at all re your husband, kids are money pits.

Oooh yum :o we are having chilli tacos with all the trimmings but I had a tiny amount of brown rice (doc said that's one I don't have to eliminate) instead of the taco shells. Le super yum. Nearly a disaster as the lid came off the chilli flakes but thankfully after we scooped some out what was left actually ended up perfect :o last test in an hour, numbers good today but this was a much bigger meal and the salsa/guac weren't home made so may be sugary.

Wreck did DH ever agree to sort out the childcare vouchers? I remember you saying it'd need to be done from his wages rather than yours, even a little bit would help and it's his responsibility too

No he won't he says he can't afford to give me any money towards the childcare

but it needs paying either way surely, and this way it would save a little tax. So would be better off as a family. Sorry Wreck I totally see why you are getting so frustrated with him :(

Do you have access to his bank statements?.

Not really but I know how much he gets paid and I know how much he puts in the joint account. He doesn't have much left. I don't know if the school accept childcare vouchers?