Sunday, 11 July 2010

Day 191: Phew

Good news is that the pay cheque has arrived... and also thanks to a very wonderful family we are now paid a steady £100 extra a month... taking my very basic - if there's no bookings month - from £10 to £110... makes a massive difference to have at least a day of our office hours covered! So this month I've earned a healthier £500... meaning I can pay off my overdraft on time ... Phew... thats all.

Thursday, 8 July 2010

Day 190: Ups and downs

Yesterday was an up day when I found T shirts in tesco for Elijah's party in packs of 3 reduced to £2. I left Tesco having bought 15 T shirts, all the party bag sweets and a hoody for Elijah all for £16. Happy with that!
Today was a sad day when we heard that our one piece of good financial news on the mortgage is not going to happen as they wont give it to us... sticking with the extra £150 a month then for the time being as our options look a bit crap :(

Tuesday, 6 July 2010

Yessssssss... at last!

I'm so relieved to have had a good day financially! Thank you Mr Child Tax Credit... 55.50 to go onto my overdraft... 6 days left now and £287.77 to find... seems manageable and also a wonderful friend has offered to lend me if I cant make it... which I'm going to try not to do but is a nice safety net to know about.
Mr Mortgage Man has just been here... Its time to get off our rubbish fixed rate mortgage and it coincides with hearing back about the land at the side of our house that we've been trying to buy from the council. The story is this...
The council own a piece of waste land next to our house... its overgrown and has some great trees in including the plum tree that we make tonnes of jam from. We asked if we could buy it and they said this - "Its possible and we'll work out a fee but it is likely that we will ask you to pay 50% of anything you add to the value of the house" (not an ACTUAL quote tbh). Hmmmm...? So we pay for the land and pay for an extension...and you are allowed to claim the profit? "Yes... but as soon as the value is added... not when you sell" Right...? So we pay for the land? Yes And the extension? Yes And then we give you some money? Yes. Even though we won't have even made it yet? Yes. Thats a bit tight isn't it? Yes.
So... nice survayor has valued it and helped us to negotiate... They eventually after 8 months offered us the land WITHOUT the tight, ridiculous clause for £11,000... Nice survayor told us to say no - so we did and they've now offered it for £6,000... BETTER!
So... got a meeting with our mortgage advisor today... we decided to extend the mortgage just to get enough for the land... not the extension... yet... (incase I get tempted in Top Shop!... a SENSIBLE decision by ME) So to re-mortgage we get a penalty for switching mortgage, extending our mortgage to buy the land... and our monthly repayments will DROP by £150! Brilliant...Totally brilliant! Finally a bit of positive news in the Toombs house about money!

Monday, 5 July 2010

Day 188: The Robbers

So I'll get back to the party... I need to find a notebook, a calculator and a pen to work through that one... but am in the process of planning Elijah's party with the very real knowledge that there is no budget really :( So the days are coming and going and I still have a very real £366.34 D to clear from my overdraft before it closes down in 7 days! I'm dealing with it in a calm, matter of fact way... and not letting it stress me... but one thing that I'm failing to deal with in such a manner is the parking ticket Joel received for PAYING FOR HIS TICKET BUT NOT PUTTING THE NUMBERPLATE IN - serious!! Sommerfield in Broomhill car park - you are heartless and cruel. They are expecting £100 for THAT. Absolutely sickening... and completely crippling to our bank account. It makes me so mad, makes me feel so completely defeated... we have no choice but to pay that, and be fined bank charges cos we cant afford an extra £100. I hate money. I hate the way the world works and I no longer care.

Friday, 2 July 2010

Day 187: The Wonderland Tea Party

One party down... this was a bit too much fun to organise. So much so that I found myself so preoccupied printing out A4 playing cards to stick onto card to hang from the ceiling and painting some fake white rose bushes red and making mini eat me flags, drink me tags for tea pots and customising individual party bags that I realised the night before that I'd overlooked planning any actual games! Maybe 5 year olds would not simply be satisfied looking at how pretty the decorations were and might need entertaining!? Nevertheless I pulled together a treasure hunt, a red and black 'queen of hearts' pass the parcel and also had some plaster of paris frames to paint and T shirts to decorate with iron-on Alice style t shirt transfers I'd printed off.
So this was Holly's Wonderland Tea Party...
Beth constructed this amazing Mad Hatters cake and I dared to give 5 year olds bits of miss-matching china instead of the usual safe ikea plastic plates. £2 for a whole crate of plates means I dont mind too much if we lose the odd few... but I think they appreciated being able to pour apple juice from tea pots!

The wonderland theme is such a good one for there being a billion ideas for food and games and decorations. It was really hard to stop thinking of amazing and ridiculous ideas and I did consider hiring/constructing giant props to make an area for us all to have shrunk. If I was Victoria Beckham and had her level of party budget it would have been immense! (just as well Holly loved it anyway)

One girl seems to have been so amazed that she told her mum the table moved and the cups and plates danced...hurray for capturing little imaginative minds!

Thursday, 1 July 2010

Day 186: Epil Fail...

So thanks for the comment I got today... say it how it is - yes totally - epic fail :) In so many ways.
So here's the picture... Expenses have been piling up and have ended up back on the overdraft I worked so hard to clear. I've just managed this week to get that down from £800 D to £407.64 D but here's the news... I've got till the 12th July to clear that as its time for the overdraft to expire. I'm not going to ask for any more time, I'm not going to extend it or get another one... time to face up and pay it and not have it as a back up plan any longer. 11 days to find the £407.64 and then thats the end of that debt trap forever!