Well after yesterdays pity party I have girded my loins and got on with it....Todays menu is porrige made with water for breakfast, chicken and rice soup for lunch (made from Sundays chicken carcass and left over tiny bits of scrap chicken with rice, carrots and onions) Tea is Sausage hotpot (a la Frugal Queen) with pancakes and golden syrup for pud..
I checked and yes, the Child benefit Child tax credit will all stop.....heaven help us...deep doo doo......So, I have picked myself up and have looked again at our finances.... First, we have no debt at all except for our mortgage which is really small. I only work part time but it will enought to cover our mortgage and all our necessary bills (ie Housekeeping/electric/gas/phones/internet. I will cancel Netflix and my Gift giving from my wages. I run our money via a Freedom account where I have "virtual" envelopes for all our spending - its broken down into different accounts. So I earn enough to pay for following accounts - Car tax & insurance, Xmas, Birthdays (with a reduction in these both). The other accounts - Holidays, Household, Emergencie and Car repairs - will be added to when I can by selling stuff and car booting. We both had allowances we paid for clothes we needed and entertainment - I will not have enough for this....OH is looking to see if he can pick up any casual work but as he has back and neck problems its virtually impossible to find anything. We do have some savings but I need to keep them for emergencys only - its a slippery slope if you start using your savings for day to day stuff. I am looking for more hours at work but there isnt anything available at the moment.... Its dd I feel sorry for - she was getting £30 Education allowance for staying on at school and that will go - if she got into uni at least she would get a bursary but as it looks like it will just have to be college she will have to try and get a part time job but as we live in a very small town is really difficult. Sorry its a bit of a miserable post but its rather hard to be cheery at the moment...
Just when we thought things couldnt get worse it occurred to me that when youngest dd leaves school in June we will lose both CWTC and Child benefit... that will push us over the edge! She wants to go to college (didnt get into uni as she wants to be a midwife and there are only a few spaces and lots of applicants - still waiting for one uni to reply but shes not holding out much hope) so shes applied for a years course and will try again for uni next year...Im not sure when the child benefit stops so off to look that up now.....
Thank you everyone for your comments regarding the mango pulp....have been having great fun with it (its lovely just eaten from the jug I decanted it into! lol) Last night I got a sugar free jelly and used just enough boiling water to dissolve the crystals and topped it up with...guess...mango pulp! It was loveley! I added it to my normal chickpea curry recipe and it was great - its now my official thing to add to everything! Its lovely just swirled into plain fromage frais too and I made a lovely refreshing drink by adding some brighten up a 19p bottle of lemonade. I used the last of my housekeeping on the Approved food order and a free delivery from Sainsburys stocking up on heavy stuff like soap powder and tins so my store cupboard is looking fab.
My next plan of attack in March is to reduced my housekeeping budget by £50 - its quite difficult to reduce further when I already stretch it out by buying value/basics ranges but am working on it!
Very pleased with my Approved food order - I now have packets and packets of Weight watcher bagels and pitta breads in my freezer. Wasnt disapointed with anything - cannot grumble at 3kgs of pasta for 99p!
The only thing I am unsure what to do with is 3 very large tins of mango pulp - any ideas???
And did my weekly shopping with Sainsburys on-line with free delivery - so no petrol spend on going to the shops.
I dont use Approved foods very often - we dont eat a lot of processed food so there really has to be a really good savings on their to justify the £5.25 delivery but bagged some really good bargains today - the minimum spend is £15 and I spent £15.01!for allegedly £71 worth of goods (I would never have spent that much on them!). Which means I have only £80 food budget for the rest of the month which is ok. I got a nice email from Sainsburys as I havnt used them for a while offering me free delivery anytime for 3 months (order has to be over £40) so I will be taking advantage of that - I only use their Basics range but find its much better than Asda or Tesco basics range. And yes, its is a bit more expensive but by the time you factor in the time and petrol it takes to get a big shop and all the extra little bits that end up in the trolley it probably works out cheaper! And its triple Nectar points so I have applied for a Nectar card - every little helps!
My eldest dd got engaged at the weekend! to a lovely bloke and they are planning to get married next summer (2015) so its all hands to the pumps and start saving (and losing weight!)
I have canelled my reflexology appointment - never had it before so wont miss it and thats £22 I had put aside to put towards the hen night (dd wants a spa break of at least 2 nights!) I am now getting my haircut with a junior saving £8 every 6 weeks so thats roughly another £64 a year to put towards it.....