Refreshing

Today was another "getting stuff done" exercise. I didn't clear the whole lot that I had wanted, but I did get a couple of hours' housework done as well and the extra floor space is refreshing in a way I hadn't expected.

I donated quite a bit of stuff. It was sobering to find so many things that were either unused, duplicates or used only once. It's not only that I've clearly shopped without purpose, it's the fact I'd had so much clutter that I didn't know what I already had (and bought it again).

I can see it in Little X too this afternoon. I packed away her big set of blocks, and pulled out some toys she hasn't seen in a while. She's calm, content and enjoying herself. Having a tidy room to play, without being bombarded by "stuff", is obviously a big plus. It's refreshing to the mind.

More than anything it's meant I can clearly see what still needs doing, and now I have the space to do it, without it seeming like a monumental task. 😊

Two banks have now visibly defaulted me 👏 and I have started sending token payments. Nine more to go. 

Actionism

I'm sure that's not a word, but it was my attempt not to accidentally re-use a previous heading. Anyway, twice this week after taking Little X to nursery and hacking up a lung, I Got Stuff Done™, two major pieces of furniture are emptied and ready for sale, several items are ready to give away, a huge bag of stuff went into the bin and I gathered 9 bags for charity. I donated them this afternoon and it felt really good to be free of them. I even managed two loads of washing. 😇

The milestone is that a quarter of my excess stuff is now gone. I am aiming for 100 bags and that's 25 done. 💪

Debt Charity asked why I hadn't paid my May instalment and I snapped back with the cancellation agreement they sent me in March. I then got an enquiry of was I having problems affording the May payment or had something happened to affect my budget? I had to shout (in text) to make them try reading what I sent them, and that they clearly hadn't cancelled things like they promised. So that was entertaining. The first bank has actually notified me they've defaulted 🎉 although I can't see it anywhere on my credit files yet. It's still a waiting game. 

Feeling: energised. 

I Could Have

... pushed through and gone to work today. We're both snotty, but on the mend. I know that if we'd gone in, she'd be stumbling around exhausted at nursery, unable to get herself to relax. It was the right decision even though I feel lazy.

I'm second-guessing my vague game plan of having all ducks in a row then selling my flat. I'm wishing it was sold already. Maybe I'd be better off slapping paint over the rough walls, decluttering and selling without moving first. 🤔 It would be worth less, but possibly be better for us overall. 

I haven't decided about that... but I have decided to stop with reusable nappies. They take up too much space and they're becoming less pleasant as kiddo ages. I did my bit. (Ye gods am I becoming like a Boomer, I'm older now so who cares about the environment?)

The new perspective on stuff: I had originally bought more furniture to store my stuff. Now I want the furniture gone because it has allowed me to have too much stuff. I need to be less attached to keeping things "just in case" or because "it's worth something". 🤔

One more card issuer has closed my account. The debt charity is still sending me statements and behaving as if our (cancelled) arrangement is still full-steam ahead... Several banks are still referencing the (cancelled) debt management plan (including the bank which has handed by debt over to a debt collection company). Nobody seems bothered that this DMP isn't actually doing anything. I'm kinda intrigued how long this odd limbo will go on. 

Tail-Chasing

I've now been back at work for two weeks - four shifts completed so far - and I'm tired. Physically, I was an old lady after the first two shifts, rediscovering muscles I had forgotten existed (and I am certainly not doing physically-strenuous work, in fact, I've had it easy). But Little X, while utterly unconcerned at being left at nursery and not particularly relieved when I return, is equal parts clingy and utterly shattered on the days following each visit. She has thrown her nap schedule into the bin, refusing to sleep for the entire day at nursery and crashing into slumber as soon as we're home, closing on 5pm. Even on the "at home" days she falls asleep early and then insists on staying awake for the entire afternoon, resulting in a cranky kiddo. I wish I didn't need to work. It's nice to have adult conversation and my workmates have welcomed me back warmly but it's playing havoc with the mummy/kidlet energy levels.

Work is also a bit of a revolving door of staff. Favourite mini boss is leaving. 😭 I am disappointed but not surprised. Buddy-miniboss was sacked 😲 and replaced with Bert from Sesame Street, utterly dull. Newbie Miniboss #2 is apparently popular and seems nice, I will call them Slim Shady. I already lost Good Boss to a sister store and his replacement is totally Frasier from Cheers. Even poor Big Boss is clearly burnt out and has been remarkably candid about it all, saying that Frasier just doesn't jive the same way and the workplace culture has shifted under pressure from above. The whole feel has changed. We are all in there to work, collect our pay and leave. It isn't the cuddly helpy family it used to be. Even Model, who used to be emotionally invested, now seems cold and robotic. But as long as the company gives me the freedom I have earned, I'll stay (although money is also the only reason I'm there now myself). 😁

Sigh, on top of all the other reasons I need this money, I've received my accounts for the flat maintenence charge and thanks to their shitty creative retrospective increased accounting, I "owe" even more than I should. Worse, they are going to bill me for more of the major building work than they should. I am frankly disgusted and it's an amount that means I will need to pursue this formally (if not legally) but before I can go down that route I have to pay everything they claim I owe - and then fight it afterwards. I don't have enough to do that just yet. It will take me a few months. It's very disheartening. Time to change that list there on the right, and hope they are so disorganised that the building works don't get arranged for another year. Time also to rethink my longterm plan, which seems so hard to get my brain around, when the goalposts just keep moving.

The £634 for my NI contribution is safely tucked away and I am reassured they have my info and will be in touch soon to collect it.

I have a monster cold (as does Little X) and mine is a sinus infection and we are irritated at the world. I'm hoping it goes away in the next 3 days so I don't have to miss work. 🤞

Received: several letters from banks that certain things "might" happen if I don't X, Y Z. So far none of the "might"s have actually been of any consequence. Only one has passed on my account, and so far, no contact from the new administrator. The debt management company agreed I was definitely not going ahead with them, but is asking for payments still... I suppose it's extra unintentionally stalling. 🤷

Ughness

So I've weighed it up and down and round about. There doesn't seem to be appropriate, affordable child care that will mesh with my changing work rota, so I'm going to give notice. I could have fought for fixed shifts or phoned a hundred home carers, but to tell the truth it will be a relief.

Another bank has locked my online account and two of them on my credit score show as "late payment". Neither has communicated anything but it's progress. Also, Debt Charity fixed the account that was messed up. 👍 But I'm still going to dump them shortly and go it alone.

This week I went over £1,000 in my "everything" fund. 🥳 And I still have grocery money left, with six days to go.

I am currently watching the Michael Sheen documentary where he wants to buy a million pounds of consumer debt and kill it for 100k. At the moment he seems genuinely perplexed as to why banks are making such an insane amount of interest out of the poorest in society - 40 or even 50 percent. I could tell you why mate, it's because so many of them will be unable to pay. You know, because they're the poorest. In all honesty they (we) shouldn't have been allowed to borrow it in the first place, being such high risk.

Real change needs to be about indoctrinating our children into saving for a rainy day. Not just a few pounds, but permantently living below their means. It hasn't been a thing since before the Baby Boomers were born.

Inconvenient Amnesia

I know it's March, but somehow I forgot that means April is almost here. And the 5th of April is the HMRC deadline for topping up missing NI years for the state pension. It's a terribly boring subject in general but basically, in my first financial year here I didn't pay enough NI to have the year counted towards a pension. You have the option to "top it up" with a cash payment which I sort of ignored last year due to being broke. Well, I'm still broke, but now it's my last chance. So I've got £700 about to jump out of my stash for this. It's a lot of money but will easily give me thousands more in my meagre pension and free money is good.

This leaves me with £250-ish and ideally I should save about £800 for maintenance arrears. I won't have £800 by April though, so I'll just have to pay what I can.

Big news - the bank which only just promised me fees are cancelled forever, has sent me notice of intention to default! This is actually great and much faster than expected. Now waiting for "the" letter and for the big red D to appear on my credit report. One down, 10 to go. The debt charity has told me they've corrected the account with the wrong number, but no, they have not. Oh well.

Work denied my leave for the month of June. I hope it was just a supervisor denying it by mistake, because most of them (and the boss) know I haven't yet returned to work. It's not the end of the world if I do go back then but I need to confirm which days they'll schedule me and somehow find £350 for child care up front.

I finished my £100 baby food study (phew) and it was actually enough effort to make the amount of cash seem appropriate. Now for the money to come my way quickly, please!

Roast chicken for dinner. I'm trying to empty my freezer because there's loads in there, I've just been too picky for too long.

Poison Ivy Card's Poisonous Move

Today I received a letter in the mail from Poison Ivy Card. Despite informing me nine days ago that they had applied 60 days of Breathing Space, they cheerily announced that it has now ended. This is a slight counting fail. Maybe they decided that a Debt Charity payment arrangement negates Breathing Space? Maybe they have frozen interest already? There's nothing in their app to indicate either one. 🤷 I am not really concerned, I just find it rude. 😁

On the other hand one of my smallest creditors, a bank which has been rather rude even when everything was completely up-to-date, has accepted £5 per month until the balance is gone, and they have disabled any future interest and fees forever. That's what I like to see.

I have submitted a change of bank for work pay, but HMRC asked me to call back in one week when today's direct debit will have been applied at their end. They are the last two companies I need to remove from Overdraft Bank so that my money can't be swallowed into fees. Once that is done I will tell Debt Charity goodbye. They emailed today refusing my previously approved budget, won't discuss it all by email, and would I like to nominate a friend to phone them... er no. All up this is just yet another unhelpful thing they have done, so, buh-bye.

In non-DMP-related news, my building manager has announced maintenance charges of an extra £1,800 for essential works. You can't get blood out of a stone and I'm not the only one behind in payments, so... meh. 🤷

I reached payout of £50 on YouGov and £1 from WeAre8 😀 and also won a fiver for RevComps tickets, so I am looking forward to winning the gold bullion. That'd be nice, huh? 😄

Assortment of Spanners in the Works

I finally managed to log into the debt charity site, and Overdraft Bank has a marker beside it that it is "Held" and they're unable to make payments to the debt. I am of no mind to call them in the least, because I found out they aren't doing everything in my interest, so it looks as though self-management is a better way to go. It isn't ideal for me to have to find the mental energy to self-manage but I think this is what I will need to do. I will need to write to each bank with a monthly offer and hope it gets accepted.

It's an odd situation to be able to approach this now as a project and without shame. Shame is no longer the right perspective - I have had the revelation. This is - all - purely business to those banks, and my situation is factored into their business model, and yawningly routine for them. They send their flurry of red envelopes knowing that most customers will panic and pay. But there's a wealth of info out there on forums on how to approach it all and what not to do. So I'm going to be informed. And I am going to be doggedly determined and in this for the long game.

Well, That Escalated Quickly

My Week in Money Land

Poison Ivy Card Issuer 1 & 2: How about we cut your monthly payments? 😍

Large Balance Supermarket Credit Card: we're not helping you. Ask the others. 

Personal Loan Issuer: You can't afford to pay half as much, so just keep paying the whole lot. Work with this Impartial Financial Planner or we won't help you.

Impartial Financial Planner: Can I sell you an investment product? Do you want to buy shares?

Me: Well, Self, 3/4 of the debt is not budging. Time for the fun and games... 

Three hours of fighting a shitty website form on a debt charity site and finally, finally I get to their recommendations and finally the thing stopped crashing, and it's all filled in, an income and expenditure report done. They've given me a budget and they recommended I go down the route of offering a settlement - only for me to download the pack and discover, that requires the sale of my flat, which isn't practical even if I wanted to. Back to the drawing board, the whole lot done again, and I have applied for a Debt Management Plan, which I hadn't thought would be possible. This involves me paying one affordable set amount each month to the charity, which distributes pieces of it to each lender and deals with them on my behalf. In theory lenders can still ask me for more money even with a DMP in place and do so via the courts, but evidently at my asset level it's a low chance. Fingers crossed.

The parts I like the best is that Loan Bank, with the biggest original repayments, which said no to cutting my repayments in half, will now receive less than 15%.

Prevailing wisdom in Internet Land is that I should have stopped paying everyone, and then default, before offering a tiny settlement. I couldn't bring myself to do it though... It'll all get paid, it's just a matter of a lotta patience. 🙏

On tenterhooks now while I wait to be approved... 

Short Exhale

For some time, I've been looking into debt management solutions and trying to apply them to my situation, but they've been unsuccessful one by one.

Consolidation loan ㄨ

Low interest balance transfers ㄨ

Debt Relief Order ㄨ

Debt Management Plan ㄨ

Individual Voluntary Arrangement ㄨ

Breathing Space ㄨ

Bankruptcy ㄨ

Defaults + lump sum offers ㄨ

Selling my flat and renting ㄨ

Every single option fails based on at least one factor. It's actually astonishing how spectacularly I fall through the cracks. 

Long story short, today I called a card issuer and made an arrangement. They massively reduced the payment. 🙏 It's wrecked my credit score I'm sure, but who cares at this point... I couldn't get a loan anyway. I now pay a lot less each month for that card. Interest and fees are all frozen and they review the situation in six months' time.

Tomorrow I call the next one. Fingers crossed they are just as obliging. 🙏I'm at a point of no return, I have to reduce my repayments even more in order to survive by cash, because my credit will be disabled. I haven't lived like that in years. It's a whole new world. 🌍 💰 

Heads I Win, Tails You Lose

Job #2, which apparently messed up my "offboarding", has surprisingly promised to pay what's owing on their next pay run and I have received the payslip! £300 which is definitely needed. I keep having to pinch myself because so many things have gone unexpectedly right this month, a month where I fully expected to need to smash the piggy bank. Instead, I have managed to put £150 extra onto Poison Ivy Credit Card and all my bills are paid for at least the next six weeks.

Financially floating (still) but now it is just thanks to grace and good luck. I've said for ages this can't continue, there will come a time where some unexpected bill comes up which I simply cannot cover even by all the tricks in the world. I am currently chasing up childcare for Little X one day a week. I am choosing to remember that the stimulation and socialising will be good for her.

Spendy McSpenderson: £10 oversized fluffy fleece hoodie. The heating now goes off as soon as Little X is in bed. So far, so good.

Spendy Spenderella: I started a £7.99 membership for Revolut Premium. With the savings on fees plus perks, this should pay for itself four times over.

Spendy Spendthrift: My mobile phone contract, which has crept up over the years to more than double the cost of the competition... expires tomorrow. Hallelujah. I have signed up to a competitor and the switch is in progress. 🖁 I will be saving £18 a month.

Win-ish: I did a one-month free trial of Audible in order to get £9 cashback from TopCashBack and successfully cancelled it after 29 days. Sadly it didn't track so I am relying on customer service to chase it up. Fingers crossed.

Win: I normally do a rather random Christmas dinner shop a few days before the day and invariably can't find a good price on one item, can't find another item and refuse the price on a third. This year I've actually stayed abreast of when the Food Club hamper was being pre-sold and I managed to put in my order on time.👏 I can't remember what's in it apart from a whole fresh chicken and vegetables 🤣 but there must have been 20 items, so at £5, it'll definitely be a bargain.

No Title Yet

I might keep that title, I think 😁

The stars aligned correctly with jobs both paying me on time. Along with me purchasing an item from the "middle aisle" and returning it straight away in order to move £70 from the credit card to my current account without paying a money transfer fee. It's really not my fault that (a) the credit card company won't let me pay for a money transfer right now, and (b) the shop doesn't check whether I put the refund onto the same card I paid with. The item is perfectly resellable, so? 🤷 That cash is going onto a more expensive card. Budget now balanced for another month. Bills all paid. 

This week I got a free £10 supermarket voucher for participating in the NHS's Our Future Health scheme, which was about supplying a blood sample and being warned that my cholesterol is elevated. Time for me to eat better.

I also got a £2 bonus from TopCashBack (again!), I love this recurring deal so much. I bought a five pound supermarket card to qualify, so that's £2.13 off it altogether. There was then a deal of £9 cashback for doing the Audible free trial, so I did that one too and set up a reminder to cancel before it takes the payment in a month. I also realised I'm getting enough cashback to justify the £5/year membership upgrade so I took that plunge. Miranda Hart's new book awaits me (you get one free book with the Audible subscription).

Finally, a post filled with actually frugal things. It's been so long. It's very related to me knowing bills are paid for the month. 💰

Oh, almost forgot, I have been blessed with an unexpected acknowledgement. I spend a fair bit of time on a frugality-related social media group and its owner decided to thank me - by replacing her referral code for Zing with my own. 😍 When I didn't get any referrals in the first week, I almost gave up hope... But two have just completed, meaning I'll get £60 next month. 😍 Definitely not shabby and very much appreciated right now.

Spendy McSpenderson: Little X's birthday present bought off Vinted (£5), plus Christmas gifts for Kid #1, Kid #2 and their dad. I still need Christmas gifts for Little X but I'm going to watch the baby bank and the nearby Cheap Charity Shop for those. I still need gifts for Neighbour #2a, Neighbours #8 and Work Bestie. 

Musings #37581

Not for the first time, I've been reflecting on how my posts have become infrequent. Part of it is that I'm kinda occupied with a small child, but there would definitely be time for blogging if I made time. It's also an efficiency thing; I'm so used to not spending that my posts would be a series of identical top tips on just leaving your money alone. But there's a third reason and it's a bit disturbing. It's that I am so close to the bone that none of my money-saving habits are a choice or achievement anymore. I've completely exhausted all those tips; I find myself bored in all those money-saving newspaper articles because there just isn't anything left that I can change, to spend less.

I am coming to a crossroads. Little X is ten months old and I've now been off work for a year. That's been 9 months of deficit in my budget, followed by three months of enormous deficit in my budget (survived by a money transfer and freezing some repayments). For the past month or so, every supermarket visit has meant having to check which credit card I had just paid the bill for and so could now fit a £10 spend. It couldn't have continued. It's been like circling the drain. 

It's felt eerie because no matter how tight my budget I have never before been in a position where a necessity can't be bought. But last night the kitchen light blew and I was so, so grateful that there was a spare in the drawer. And as I've used my Healthy Start card to buy fruit and milk for Little X, I've thought, this money is limited to only these items because otherwise some families just couldn't buy them when they needed them. And then I realised that now includes me.

The escape route (going back to work) has felt like a losing choice. Childcare is a nightmare and not free, and working more than 8 hours a week lands me a 55% tax rate (the pound-for-pound deduction from my Universal Credit) plus I'd pay ACTUAL tax, National Insurance and travel expenses. The idea of all that kerfuffle for maybe £2 an hour... It feels like the system is engineered to keep me at home. 

But if you know me at all, you know I'm a problem-solver. It's why I have focussed on the sliver between, that 8 hours of grace. The original plan was taking job #1's saved up holiday pay at 8h per week, which would help me tread water for another six months. But job #2 has been in touch and I am hopeful of a golden goose, working 4h per week with Little X in tow. 🤞 🤞 🤞 This would extend the reprieve to a whole year. I will update as soon as I know. Send good luck vibes. 🤞 🤞 🤞 

Resist, Resist

I feel like I only post in here to complain about something. So, I will try to be more balanced in this update.

Little X became snotty during the week and it quickly escalated into a fever... which did not abate with Calpol. We ended up in the Emergency room at stupid o'clock and she spent five hours under observation. Naturally she cooled down slightly on the way, then hammed it up with the doctor, cuddled her like the traitor she is and thoughtfully wiped her snotty face all over her shirt. 😁 She finally gave up her partying at 3am, at which point they sent us home. Diagnosis was RSV and Bronchiolitis. Nasty in a baby of her age. We're staying close to home now and enduring the misery of having a blocked nose and not understanding why. This causes fun times during food, bottle, dummy, sleep. 😴 But she is slowly improving.

As for Little X, her current baby car seat is past its expiry date and the belts are worn on the sides. The  combi seat that I have for her is terribly unstable in the rear-facing position and she's really not safe facing forwards yet. I really, truly wanted a rear-facing seat, but they are horridly expensive and the affordable ones all seem to have the same disease as the combi (poorly anchored and wobbly). But today we got something awesome! A couple on Facebook have given away their rear-facing toddler seat, one that is actually designed to keep a child rear facing for longer. Little X meets the weight for it and they last until about 5 years of age 🥳 so this week I will clean it up and get it into place. This is better than I had hoped for. 😍

I am still doing the investing but I am nearing the end of the easy jobs, and it has been demoralising at times so it is hard to summon up the willpower to keep at it. One job is just absolutely refusing to pay me. Well I should say they are blaming my bank, which is not at fault incidentally. I have given up on them as cash earnings and I am trying to extract it as a gift card, so fingers crossed. The investing should get easier once I have built up a little bit of a pot of money and don't need to continually rush my profits out to move to the next job. Here's to the future.

I paid off the second-worst credit card using the advance from the worst one. I am hoping to coast through the three months and the balance stays at 0. Wish me luck. It wasn't costing me much in interest each month as it was a small balance, but it's a mental boost to kill that card.

Win: for the fourth time, TopCashBack has had a promotion, spend a certain amount anywhere and get cashback on top. Today it was spend £10, get a free £2 on top. So 25p back for the actual purchase (a supermarket gift card for £10) and £2 extra is now in my TCB account. 👍

Second win: I resubmitted to the council and it looks like I will now get the maximum discount for my council tax. 👍 So, something like £60 off what I used to pay. I'll take it.

Third win: Healthy Start has been approved, I had nearly forgotten. 👍 Every pound is helpful. 👍

My overall finances are still in the negative, at least in terms of permanent income, but it is really encouraging to be that much closer to equilibrium. I won't have to kill much of my debt before it edges back into green. I won't say I have been biting my nails of late but it's been on my mind more than it was, so this is a calming thought.

Must do some meditation more often.

It is a Journey

This investment thang is a bit of a pain. I calculate that in the first week I did it, I earned £140, but some of it I still don't have back in my hand, the jobs are being difficult and four of the ten have requested convoluted ID and bank statements. I then had to redact their competitors' info from the statements each time so that I could send four different documents. Ridiculous. I partly caused this by making a silly error in payment processing, and hopefully I will do better next time with fewer headaches. I want this money to all land in hand before I try some more.

The laptop finally became unusable so I spent my £100 jackpot win on a voucher for Argos. I paid the rest via topping up a reloadable Mastercard via a work perk (7% off) and I also went via TopCashBack for another £9 in cashback. This new laptop is shiny but quite different and definitely not as powerful. I am reminding myself it is perfectly adequate and that I don't use a pc enough to justify the overpowered beast models anymore.

I made the decision to arrange payment holidays for two of my credit cards. They were 2 of the 3 most hideous interest rates and the only ones of the lot who do this without informing credit reporting agencies. I still had to be insistent to both of them on why I wanted 3 months off rather than a long-term repayment plan, which is reportable. Guy #1 was just not very bright and Guy #2 just did not listen, so I would imagine these calls must be VERY stressful for many people. Neither card can be used now for three months and since I was "living" off one of them, I took a money transfer before the call. Anyway, no repayment, no fees, no interest, for three months. Ideally I would like to clear one of them in that time. Fingers crossed.

Three large bags of stuff given to the baby bank. Quite a bit was delisted from Vinted and just given away. After 2 months, those clothes were occupying more than their sale value in my living room. I also sold the old stroller for a fiver and plan to list Little X's walker seat soon too. She is now standing and walking when her hands are held. And I mean everywhere, if she could speak she would be demanding to stand up right now. ♥

Happy Votependence Day

So it's the 4th of July, which we all know is a very important date, that's right, voting day. My area only has two candidates getting a good percentage of the votes, Tories and Liberal Democrats, which works well for me since since I vehemently detest the Tories since Lib Dem is my ideal party anyway.

I have been rejected for significant financial support from the grant scheme I applied to but they have given me a discretionary £300 for cost of living. 👏 I also got the statutory maternity grant of £500 👏 plus unexpectedly got a further week of maternity pay 😲 so now I'm impatient for (1) Friday, to see if it happens again, and (2) Universal Credit day to see how much I have left over to hack at the Poison Ivy card again. 

Little X is fast outgrowing her clothes so I bought a bundle off Vinted, and the seller threw in some extras, it's a huge pile 💕 really pleased even though most of it is for winter & next year. I have finally started listing the newborn stuff for sale, six sets sold within minutes 😲 unfortunately we had to cancel once we clarified the sizes. Still, part of it resold an hour later so here's hoping. Also sold another two pairs of trainers and the next pair is cleaned up and drying as I write. I seem to be settling into £50 profit each month. 

We survived 2 concerts and "survived" is apt since without being able to take a stroller in, it's fairly exhausting. It hurts carrying a kid let that long, who also won't sleep. Might be easier next year! 

The Splurge, Toy Edition

Remember a year ago when I said my house will never be filled with brightly-coloured plastic? Ahem. Anyway, Little X prefers about four toys to all the rest. But I went into a little independent charity shop this week and CLEANED UP, ie, I spent £8 and got an enormous bag of baby toys, which I do actually plan to sell in bundles. More toys for her is pointless right now as she can't divide her attention anyway and having too many surrounding her is just noise. She often ignores the lot in favour of the carry bag, my socked foot or chewing on her sleeve. 🤷‍♀️

I'm hunting around for a jumperoo or walker. Not to necessarily roll about in, but so that she can spend some time upright for the different muscle groups. She's an ace at moving around by rolling and scooting (crawling is on the horizon). 

One pair of trainers sold, two more listed, four to work on and list. I've done £50 on vinted in two weeks, about 30 of that is profit. £215 for bank switching 👏 and I've figured out how to pay several bills on credit card rather than direct deposit, since the "three months of no maternity pay" starts shortly. I can afford a few pounds of interest for a spell rather than affording a few hundred in bills each month. After that my annual leave pay begins and things improve 👏 

We actually went to play group this week for the first time in ages, and it was odd seeing tiny babies! Little X was as good as gold 🥇

Refunded: the trainer cups which turned out to be impossible to assemble without a crowbar (I even found the receipt). In exchange I bought 4 small wide neck bottles new from Vinted for a fiver, and £4 got us some different teats to switch in soon. 

Spendy: £25 on a space saver "real" cot for Little X 😍 and while it's slightly narrower than the travel cot I got free, I don't need to bend down to the ground to pick her up anymore. 😍

Accounting

So my phone is driving me insane and after a year of battling, I quit. I simply need one with more memory (I have plenty of storage, but I've nearly gone bananas having to make space for app updates). 🍌

New phone has been chosen, £120 on offer, plus I have bought via a cashback site for ten quid in hand 👏 and I also did it with my work perks card. I discovered through the hellish purchase process that I can buy a virtual mastercard at a 7% discount which I can use online anywhere. The drawback to these is you can't top up later, so you need to purchase exactly the amount you need in order not to waste any. That's OK, I'll just use them for Amazon, eBay, Aliexpress.

Speaking of the latter, I've given the pram bag a go, but it's not big enough. I went to look second hand and saw what I think are brand new, from the same site, at double the price... So I did buy another and also nabbed a couple of other items that I'll list for resale. If it doesn't work, I've lost ten pounds. If it does, I've gained ten and I'll do it again. 🤷‍♀️

I was rejected for subsidised housing on stupid technicality. 🤦‍♀️ 🏡 I recalculated my expenses for post-June, and it will require creativity. Survival will require kicking the can down the road cash-flow-wise, but it is what it is. Little X is getting bigger and eventually there will be more working options to get the debt down. 

Currently eating yummy snacks that Poppet gifted to me 🍪

Mathing

I have several options for buying discounted supermarket gift cards (app, work perk, cashback sites) but none of them seemed worthwhile for different reasons. I almost bought at a 3% discount yesterday on the app until I realised they only take debit card... but this in theory ring-fences cash that could be paying off interest. The rabbit hole beckoned and long story short it's about 40p bonus for a £10 voucher if I spend it within a month, so I bought one, but not from the app 😁

Next day: £2 TopCashBack bonus on gift cards 🤦‍♀️ so I bought a £5 one too, to get the bonus. 

Big win: all three bank switches have completed and all three paid me the £200 bonus. 🎉 👏 😁 I ended up putting £100 onto my poison-ivy credit card and £500 is staying in my bills account to wipe off the overdraft. Technically I'd be better off maxing the overdraft and putting it all onto PI CC, but it's only pennies different and I think it'd be nice to have a small cash buffer, since I haven't had an emergency fund for a long time. 

Last week I snapped up a mini dehumidifier from a German supermarket for £35. I didn't expect miracles but I thought I would try. Unfortunately even though its stated capability was only 300ml per day, I emptied it after 24h and found... 100ml. Unimpressed. 😒 Promptly returned for a refund. As an aside, I bought this on credit and returned it to my debit card because nobody checks and so you can essentially do small money transfers for free. I might have to remember this trick.

Spendy McSpenderson: a pram baby bag, a baby bottle handle adapter, a harness for Little X's mini high chair, baby ear defenders, and a baby bag in a backpack. The last two are for our two concerts. They're not until June but I saw the backpack and ended up buying the other four items because I was tempted by the free delivery over £10. Never mind that it went over £20 (they always get you this way). All except the harness have arrived and I love both bags, the bed bag especially is fabulous and really a bargain. It was £13 and I got a £5 credit for being a new customer. Not bad.

Child not included. 

Currently procrastinating about food club or the supermarket. Every time I visit one or the other I buy too many snacks and then gorge on them. 😒 

Snip Snip

We tried out reusable wet wipes and I was prepared to consider them a sacrifice, but they are so good that I've ditched the crappy disposables. I've been merrily snipping my way through a bunch of old clothes to make more squares. ✂ ✂ 

A weird rustling sound scared me earlier until I peeked out the window - the world is bathed in white hail. It's small enough to look like snow. ❄ This is only acceptable when you don't have to leave the house. I hope it melts quickly. I ordered a cheap little humidity meter off ebay and we're over 80% (no wonder clothes take forever to dry) but it ain't much better outside right now. 🙄

Annoying: Little X's vaccination was delayed... then cancelled... I get a reminder for the cancelled appointment 🙄 which I "cancel". They re-book (I turn up and they ask why I'm there 🙄) and when I actually turn up at the right time, I'm 10 minutes late and they won't see her. The waiting room was empty. If I weren't so frustrated with myself, I'd be angry at their general incompetence (or indifference?). 

Two bank switch bonuses so far 👏 🎉 and hopefully the third one comes through in the next few days. 🤞