Kitchen Shenanigans

So I vaguely had in mind to cook properly from scratch once a week and also bake something once a week. But this is me. 😂 I will say it was immensely satisfying to rejig my kitchen and it now feels like a room I like using again. ✅ 

The first Monday I bought Carrot Cake fixings and then realised I'd forgotten cream cheese for the icing. 😑 I made Courgette Muffins instead. They worked, but were too heavy on the veg so were overly moist rather than chocolatey. We both did eat some, but they didn't keep well and a few ended up binned.

For dinner I tried hamburger patties on the frypan (I haven't used the stove top for years!) and they were a big hit with Little X. ✅

I also made a dessert, white choc marshmallow with cereal pressed in. This was amazing. It's Rice Crispy Bars from the supermarket except more, and however you prefer it. I just made it up as I went along. Little X ate some but absolutely hated the sunflower seeds and that caused some drama. 🎭

The second week I cooked Tuna Mornay. This ended up with "mmmmmm" at high volume 😂 so I think we found another food she'll eat. We also had meatballs in savoury rice - not from scratch really but another food she will eat. ✅  For baking I made banana bread tonight. Ladies and gentlemen it's the fluffiest cake I think I've ever eaten. It's definitely delicious but the jury is out as to whether a cake this soft will stay edible after 2 days.

If it lasts that long.

She also enjoyed fresh pikelets this week. 😋 

I now have 5 defaults and 2 more say they will default me. As they do so, I am beginning a £2/month payment to each one. To my great surprise one debt recovery company wrote to me accepting £2 a month as an ongoing arrangement 😲 despite me not asking if that was OK 😲 and it isn't even the smallest debt. I am now hoping others do the same - they manage 3 other debts of mine so we shall see. 🤞

Microwave is an absolute disaster and I'm using it as little as possible. Air fryers are on sale this week for £25 🤔 and I am also pondering a £6 saucepan since I don't own one. And a £7 frypan as both mine are awful. 🤔 

Score! x2

Little X's progressive anti-vegetable stance is attempting to branch out and she's started rejecting most fruit. 😑 Pay day has come around and I've decided to cook and bake. I've even hauled out the blender and I'm psyching myself up for courgette muffins, carrot cake and pea & ham omelettes.

While hunting for the baking paraphernalia I discovered two tins of food Best Before 2018. Both of them got binned. Old me would have eaten them. 😂 I also found an extra-large glass cutting board big enough to cover my stovetop. 😍 Yes thank you. I also sorted my tupperware. 👏 Feeling: energised.

I blended up carrot & potato waffle mix but they're too wet with not enough egg to set them 😭 which is a right pain with ten already portioned in the freezer. 😭 Unsurprisingly Little X went "no thanks" once I actually got it solidly cooked. I cooked one for myself and after 45 minutes under the heat I was annoyed. I loaded it with breadcrumbs all over and it was surprisingly nice alongside my HALF a pizza 🍕 (new me isn't eating a whole one). 🏆

In mentally preparing myself for shopping, I reflected that one shouldn't need to mentally prepare for an ordinary task they've done for years. Hauling the groceries about is starting to get to me, physically. Time's up. The weight needs to come off. Loads of salad veg came home in my trolley. It's day three of Not Being A Pig and I haven't made revolutionary changes but every day has involved a salad. Gotta start somewhere. 👍 

Reshuffling

I've had a better few days. The mouldy curtains survived a wash, but unfortunately so did the mould. Miraculously, they then survived being washed at 90°C in a whole bottle of bleach, and are hung back up to dry, no mould in sight. ✅ I'm chuffed they are fresh again. I've finished priming that wall and there's one other wall patch to do before the top coats.

My cheap blinds arrived and I think I can make them work. ✅ 

The bathroom plastic shelves now hold shoes, so they're all neatly hidden away in the wardrobe. ✅ 

I cooked properly for the first time in ages. ✅ 

I finished washing my stored sheets, towels and quilt covers, and now they fit into my drawer. Several donated, several binned. ✅

I actually sat down and tried to do my life admin that's outstanding, but the website was down. I then forgot for three nights. D'Oh. I'm awarding myself a bronze Participation Award for trying. 🥉 

Lidl Lemon Swiss Roll Cake: A Review

So maybe you were wondering how this delicious-looking cake tastes, and you've come looking for a review first.

I will preface this by saying I've eaten many flavours of Swiss Roll and I always buy the value brands. Tesco's strawberry one is delicious. I have a sweet tooth and I'm not fussy on flavours, nearly anything goes and I'll try (and eat) almost anything. I am especially fond of lemon-flavoured cakes and muffins. Love me a lemon curd anything. Lemon icing? Lemon filling? Into my trolley you go, and into my mouth. 

Dear reader, Lidl's Lemon Swiss Roll Cake is absolutely vile.

The cake itself is probably OK, if you could somehow free it from the weird lemon flavour and the absolutely nasty feel of the light, bodyless but somehow cloying fake cream. I'm talking super light vegetable fat or some kind of chemical, which hangs onto your tongue like Rory in Year 9 who you kissed for a dare and which you regretted ever since. Other reviews mention the chemical taste of this filling, and yeah. This doesn't taste like food. It is so overly sweet without any kind of satisfaction of creaminess, just a weird slimy stuff, and way, way too much of it. 

I really hate waste and I was super disgusted looking at the remaining 11 slices in the pack - yes it's very generous in pack size, I wish they'd used better ingredients and made it half as big. But I'm pleased to report that if you like tiramisu, you can use this cake. 2 slices into a bowl, mix a large heaped teaspoon of coffee powder with 2 tbsp of boiling water, mix then sprinkle over the "cake"(I use the term "cake" very loosely as it's more than half "cream"). Voila, the coffee hides all the disastrous wrongs and it becomes nice. 

Yours sincerely, 

Me, and never again. 

High Ceilings: Boooo.

I don't recommend these, for reasons of painting and extra heating bills, but primarily for my current trial of hanging wallpaper. At 2pm on Tuesday I decided there was plenty of time to hang one length before nursery pick-up time at 3. Gentle Reader, I was wrong. 😂

I'm currently irritable because said nursery is breaking up 2 days before the end of term, meaning she only gets 2 more sessions. I have 7 lengths of papering to do (circa 4-5 hours) plus the stripping and prepping around the windows, which is a horrendous job. If I manage those two things, it's the best I can expect. I will have to do all painting with kiddo in the flat. I did most of the first coat at night, but good daylight really would have been better for painting. 🤷🏻‍♀️

With each task and tidy out I move another piece of furniture. Things are almost in logical places, which is a first in several years. My flat almost looks like a normal flat, planned and arranged with purpose, instead of a "space where you shove things wherever they fit".

Just as I'm feeling ready to sell it, it feels like a home. 😂

Win: I went to German Supermarket and spent £25 to get my free £5 voucher. 👏 I also got a free savoury rice packet and a free big bag of cheese curl crisps that Little X likes. I also... ahem... bought two Monstera plants for £6 each (Swiss Cheese plants) which don't yet have their characteristic leaf holes but do still look lovely. 😍

Plus: £50 has been credited to my council tax account as expected. 👍 They also finally processed my application for general support and are sending £100 - no idea when. 👍

Invoices and Paradigm Shifts

I have received my first childcare invoice and am in the process of having it reimbursed by Universal Credit. And apparently, I also have the option of a budgeting advance of £800. The world doesn't end if they say no, but it would feel good to have my maintenance arrears taken care of. It would help motivate me to get the flat ready for sale.

Along those lines I did a big shop at German Supermarket on UC day and while I was there I spotted paint for £13. In white. So I bought two. It was like cementing a major decision, yes, I'm now mentally committed to a very minor flat makeover. It's like putting lipstick on a pig, but first impressions matter, and it might mean £1,000 more on the sale price. 🙏

The grocery component came to £42, which is on the high side. It was intentional though... In my new mindset of not clinging to every object, I'm also relaxing the vice grip on penny-pinching. There's so many things I've denied myself and Little X which are beyond fair. This week she's had fruits and nuts she's never tried before. Party rings. Flavoured crisps. Orange squash. I know a toddler doesn't need all this every day, but it's well overdue for her to have a touch of normality. I don't want her to grow up terrified of spending every penny. I will still choose budget options, but no more basic denial of entire food groups.

Bought: £100 voucher for above-mentioned German Supermarket, then Everup had a 6.25% offer for Fave Mainstream Supermarket so I spent another £100 on that. Between them I got loads of points and played them through the games, ended up with £13 in the account for my next voucher. These vouchers also help steer me away from Nearby Less Cheap Supermarket. 👍

Routine

I always buy a supermarket gift card when TopCashBack has their bonus deal. This time it was a £2 bonus as usual but the minimum spend has gone up to £10. Still very worthwhile to me, so, done deal this week. I did also go to Food Club, an exercise becoming ever-more tedious because the prices have gone up, so the saving is lower. We did stay for lunch. 

I need to move more. I'm getting stiff and sore just sitting for a couple of hours on the sofa. Not to mention it's now pretty uncomfortable since its last repair (the first few times I replaced the support strapping, but that keeps failing within weeks, so I gave up and hammered wooden slats across instead). It sure isn't the sofa's fault that I'm unfit, though. 😳 I need to actually get off my butt. Little X could do with the air, sun and stimulation, too.

The mailbox is still remarkably empty. It feels odd not to have the banks really demanding their money. It means I just twiddle my thumbs until each Universal Credit pay day. That's the day I dole out the money (admittedly there are not very many bills to pay anymore) and otherwise my most productive money thoughts are "imagine if I did X" and "I need to buy bread and milk soon". 🤔 

I have two offers from German Supermarket: spend £25 to get £5 off (I need to do this by tomorrow) and a second one for a free fiver if I spend £30. Unfortunately they can't be combined. I'm definitely going to struggle to actually do the second one, I'd end up either buying junk or buying rarely-used items I could get from Food Club for much cheaper. 🤔 The big-ticket items are robot lawnmowers and picnic benches, so that's a no, thank you. I'll have to think about it.

The Strides

I am pleased to recount that Boss man has approved my fixed days and hours 👏 so the countdown begins. We've done a few settling-in sessions at nursery and Little X is unconcerned when I leave - I watched her through the window today after I'd been "gone" for 15 minutes and she was toddling around with toys in hand and doing her own thing. It feels like a milestone accomplished. Although... It takes a silly amount of time to pack Little X's things the night before and to prepare her food in the morning - with everything labelled. And so far it's only one meal. I may just come undone when it's water bottle, milk, breakfast, lunch, two snacks and then I have to make my own lunch 😂

I have offered longer days to Boss and in return he is happy for me to take unpaid leave for the nursery holidays not covered by my leave entitlement. I will still be under the earnings threshold for Universal Credit so I will keep all my earnings. But I was disappointed to realise that by agreeing to the bigger-than-planned contract, I will lose most of my council tax reduction. Honestly it's no wonder there are people who don't work for a decade... I will be working for about £8 an hour once that slap combines with my nursery fees and my transport costs. Oh well, let's call it cheaper than therapy. 

I may try to find a home child carer for holidays so that I can work those weeks too. We'll see.

I had an unexpected win this week, I picked up a handbag and heard a jingle of coins, ka-ching. I've spent far too much on "unexpected" things for the past few weeks but the coins meant that going to German Supermarket cost me only a pound from my bank account. Most of the Favourite Supermarket vouchers remain unused, but German Supermarket was on the way to where I was already driving. We did manage to get over to Food Club this week and ate a nice toastie for lunch.

Got my £100 for the food research. ✅

Dumb Things

This piece of musical brilliance is in honour of today's shopping escapades. I went to Big Bargain Shop to spend the rest of the credit on my perks card and bought too much to fit in my freezer. Then for Everything Else at German Supermarket, I overspent and emptied the cash in my purse, forcing me to whip out the debit card. It was only £4, but I'm irritated, we do not need to buy £54 of groceries in one day! 

We toured another child care centre today and despite being pricy, it's the winner. I can claim from the whole fee, there are no extras, and they've offered to let me pay in instalments. ♥️ It's a lovely, kind environment and (winner!) most kids DIY lunch from home so Little X would not be the only one. ♥️ Time to lock the days in with Boss. I did buy markers, plain labels and snack boxes for Little X's nursery lunch, and a small backpack. 

I also decided to buy her a set of table and chairs, crayons and paper. Lately it feel like she's sorta missing out on certain things and experiences. I refuse to do paint or play doh (I'm sure she'll do those at nursery) but she can certainly learn to sit on a chair and scribble with a crayon. I must summon the confidence to put her into the Beach Play group in May and take her down to the sand and water play area nearby. 

I know that nursery is why I went nuts on shopping. She's not even starting full days for another 2 weeks, but I'm paranoid about packing lunches that look "acceptable" 🤦🏻‍♀️ and in her getting used to a broader range of foods. I suppose I just want my small human to be like every other kid, even though she is stuck with me! 

Anyway. Debt Charity have acknowledged my cancellation (good). It looks as though I will get a small cost-of-living payment in April (good) and hopefully the Nationwide bank bonus as well as their annual Fair Share bonus (not sure, they've promised me the first one, but I kinda owe them loads of money). Food research says I will get my payment soon. April is looking good, now to see what sort of debt letters turn up...

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.

Life in G Flat

Feeling really flat. Had a good chat with my sister about it and she's in the same boat. The convo was prompted by Mum's birthday but it wasn't even that really. It's really hard when you realise your life priorities aren't what they should have been, and you're not sure what they should be or what you actually want, and can't figure out how to move forward. I think this is what people mean when they say "it's hard" - not that they are necessarily a teary mess 24/7, but that they have realised their life road map is blank and haven't got a clue how to get around anymore. And everyone around us is capable which makes it feel even more perplexing. Like, how do they do that? How do they adult? How do they plan for their futures, how do they make decisions? I used to know how to do this shit.

Anyway. The only option in this position is to keep walking forwards. So I do. The debt charity has approved my Debt Management Plan 🥳 but I haven't yet received the postal access code to get in and potter about and understand their online system. They sent over the amounts per creditor and I was surprised to find most will receive exactly £5, so now I wait to see if they all accept the proposal, then will let it run for a few months and see how I feel after that. The market research stuff arrived for Little X, I duly got it all ready and she shoved it away three times in a row. Safe to say she is not a fan. I mixed it with something from my kitchen cupboards and it eventually went down. I will still be honest and tell them it was rejected.

I actually got myself together and went off to Big Warehousey Supermarket to spend some money that has been sitting in a gift card for months. I had been going to buy a new micro, but it is still working fine despite looking awful, so I will just deal with it when it dies. £35 was on a non-refundable gift card and the electrical shops I could actually use it in are far too expensive anyway. BWS is the only place foodwise where I could go. They are absolutely not good value at all, they are convenience store prices, but I treated it like free money and came home with £25 worth of food. Treat: a proper curry. I haven't had one in a long long time and it was £2 and I made my own rice to go with it. Winner.

Bullet-Pointed Procrastination

I have loads of little things I would like to save money for right now. A girl's got a lotta dreams for someone with no cash, etc. 😁 But I haven't had any choice on where money had to go for a long time, it always just had to go on debts and survival.

So what did I do? Made a little graph thingy instead of doing more surveys for cash like I should. Or investment work, which irritates me so much now that I have largely ignored it for a couple of weeks. All my unused pennies are going into the same savings account, but it's nice thinking about all the different things they could cover so I've made it visual.

This fund will also be for things I know are coming but are big, like yearly insurance bills, quarterly power bills, MOT on the car, and road tax, etc. The car will need some repairs, probably by the end of the year. Even if I keep the car maintained throughout the rest of its financing (2.5 years) it'll be 13 years old by then, so that's the reason I have a "Next Car Fund" and obviously it's not urgent.

The flat remodel is just for a new wall and to move the kitchen, but will involve some plumbing, some electric, and also some moving house costs as well. For the Decluttering, I did a quick inventory of my belongings and figure that I could lose 100 small bags/boxes of possessions. I am counting the 3 bags which left the house last week. 

👜👕🏈👗👚👝💼📦🎨🎒🎾🔰👖🎩🎽

Moral reassurance: I am reading the very long online diary of a lady who went into a similar debt repayment arrangement. Hesitation: you're apparently not supposed to start your DMP until all your debts default. Even if you plan to pay all of it back. So I will ask the charity whether to hold fire. They still haven't approved me and I'm getting antsy with the waiting.

I need to visit the Food Club this week. It's a pain, but it does save me money.

Floor-Pacing and Education

I'm still waiting to find out if my Debt Management Plan will go ahead. They wrote back to me asking for more documents and to explain various expenses and spending. I've supplied it all and it was a bit weird - I have been 100% honest, but I feel as though they're about to shout at me that I've been caught. It's strange. A little bit like that feeling when a police car siren comes up from behind and even though you've done nothing wrong, you draw in a breath and wait to be pulled over. 

🚓

I am still adjusting to the immediate first change, that is, not to have credit available. I was never someone who went nuts buying random items with it, but for five years it's always just been... there. I need something, no worries, I can have it. I might need to figure out which card, but it has been a given that there will always be a way I can buy what I need. Now, of course, that isn't true, and I have to stop and think because spending can't be undone and there won't be options if I get it wrong. It's tricky,

I have made the decision to take £70 of my £90 grocery money out in cash each month, so that I have the physical process of looking at what I can spend. It leaves a significant amount put aside for big bills, so I have opened a savings account paying 4%. I kept £20 for groceries to last until pay day and threw the rest in my new account.

Then oops. I jump in the car and bing, the fuel light came on. The savings account takes up to 3 working days to withdraw. Oops indeed. No other way to buy fuel. I hit "transfer" and realised I might need to spend food money, which was really depressing. Fortunately it went through before I even got to the petrol station... but lesson learned. It wasn't a nice feeling. I think it was a feeling I needed to feel. It has made me more determined to embrace this.

I belatedly had a realisation too, I won't be able to go with my original plan of move out, renovate this flat, sell for maximum price. I can't borrow the money and the cost of the renovation is more than I thought, too, so I wouldn't have made any profit. I'll need to at last pay for the layout conversion (new partition wall, kitchen ripped out, new kitchenette near the bathroom). That's still a few thousand, on top of needing to find moving costs, so I have plenty of time to think it over. 😆

Bleh

Mental fatigue has crept into everything. This page has sat open for hours and I keep switching to other things instead of writing. In between, I have been silly enough to calculate how long it will take me to get out of debt. 😂 The first major debt to reach payoff is the car, with 29 months remaining, and then there is the flat, with 42 months remaining. Assuming I can even keep up with minimum repayments. 👿 I know that the only realistic prospect of that is in going back to work.

I qualify for "free childcare" for Little X of 11 hours per week. I can then pay for extra hours at an hourly rate. Most centres also charge a consumables fee on top of the "free hours". I can claim part of any extra hours' fees if I need more than 11 hours per week, but I get no rebate on consumable fees. 😭

So we went to see one centre, but their consumable fee is so high that working wouldn't be worthwhile. Next week I'm viewing a less pricey place, and here's hoping that I like them. Then I need to hope that Big Boss will let me work a fixed one day per week. I could probably pay for a second day, but their hourly fee would again make it a very expensive exercise. In any case, one day of work will help.

Win: a £100 market research task coming up in February (I'm not sure when I will get paid). It's a food product test. I am subject to confidentiality clauses but yeah, it's baby food. 😊 It took three emails from them before I summoned the energy to apply and I'm glad that I did.

Win/Lose: My car passed its MOT. I also got a repair done which they told me about last year but which I put off (only £80 to my surprise and delight). Annoyingly, it does have a suspension slight leak and some surface rust on the underside. They expect it may fail next year. I am disgusted to say the least, this is how the last car became worthless. The issue this time is that it's on a Hire Purchase Agreement (car loan) meaning I couldn't sell it even if I wanted to. All I can do is cross my fingers that it passes next year or doesn't cost a fortune to repair.

《Spits On The Ground》

Gumshoe here completely forgot about a certain bill. It merrily came out automatically. It was, however, £154 I hadn't accounted for, when I already had a substantial amount I was scrabbling for. Sigh. The new daily scrabbling target has risen. I achieved it today across several places, not all of which allow me to remove the earnings yet, since I am under their thresholds. Oh well, there are other options still.

I did finally calculate whether I'm spending more on credit than is being repaid off the principal each month. I'm not - barely - but since life is not predictable, let's just say I am now planning another Food Club trip and I will be paying more attention to what is already in my cupboards and freezer. You know what they say, it's cheaper to shop from home.

Since I will have to severely limit my spending, if that's even possible, I will also try to plug away at Nectar Canvass when I can, to accrue some points to spend in Sainsbury's or even on fuel.

This all also means somehow plucking money out of thin air to add extra to the repayments on Poison Ivy card, whose repayments kick back in around mid-December. So I'm currently waiting for a surprise lottery win (mainly it'll be a surprise since I haven't bought a ticket).

Of Course Not

Well, boss found out about kiddo coming to work, which I'm totally bummed about but also relieved. It was physically difficult and I was almost ready to hand back the key anyway. It is what it is. 

Got myself a free new shower head, thank you government environmental scheme thingy.

My Healthy Start payment drops to half as she turns one in a few weeks (£17 instead of £34)... well it was nice while I had it. More milk and fewer grapes in my life. 😉

I've been staying for the free lunch lately when I go up to Food Club (which isn't often enough, but it's exhausting to haul Little X and the groceries up and down the stairs). I think I'm going to stop bothering with lunch. Of the past four lunches I've had there, it's been cheese and tomato pasta once and cheese toasties the other three times. Nice enough but Little X really needs something more nutritious for her main meal of the day. 

I've been really down in the dumps lately and feeling like my plans are so far off they're pointless. There's a vague constant feeling of travelling towards doom. It isn't like me. I turned off on the drive home, parked, and took us for a walk through the cliff top park. It didn't put me in my usual good mood in any way. But I've now realised I was less down all afternoon than I was in the morning, so clearly, it worked a little.

Related: trawling Rightmove as a debt escape route if selling my flat, looking for potential future cheapy properties in an ever-widening area and with more and more ridiculous criteria. I can buy a shed in a paddock! Or I could buy a disused public toilet for us to live in, right? Maybe if I also buy us a motorhome to park beside it? 😂😂😂

Gold Mine

I have finally started listing some of the nappies this week (I know they'll take a while and some aren't worth much). So far I've sold £10 worth. 

Vinted: I've sold 6 items for £10 in profit. 👍 I also resold the shoes which don't fit and broke even. 👍 I got a refund on the AliExpress package that didn't show up. 👍 I've contested 2 on eBay taking forever, 1 refunded 👍 1 TBA 🤷‍♀️ The problem with Vinted is that I keep looking at AliExpress and buying things to sell 🤦‍♀️ when I have plenty of things to list and not plenty of money or space for more things! 

Stop Press: I just sold, and posted, another £15 worth of nappies. The other problem with selling things is that although I get exercise and money, the bakery also has cakes in the window for 50p at closing time. 

One must support local business. 

Spinning Around

Me and Little X. One day's adventures: supermarket #1 for snack food, fuel with my Nectar points, class party for my course, supermarket #2 for discounted veg, supermarket #3 to post something I sold. Every stop required lugging a pram in and out of the boot or hauling a baby carrier. Plus we got caught in a storm running for the car, the rain cover was blown aside, Little X had rain and wind blustering in her face, poor little thing got all wet but didn't complain, just had a face full of frothy drool 🤤

Two hours in my sofa that night and I was as stiff as a robot. I found myself thinking that I really needed to walk more. Yes, I was so tired I forgot I'd spent the entire day running around 🤣

Some nappies arrived from Vinted (threadbare & smaller than expected) and a completely un-ordered set of kids clothes... the seller had a day like mine and sent my cot sheets to a person expecting kids clothes. I also got the pram liner, a box of baby toys, and my bed risers. 

Current project: to rearrange furniture and sort through the mountains of stuff. It's really rather difficult due to the sheer lack of space. I spent today moving furniture around, which was a bit like those parking games...

Moving furniture in my flat is actually like this. 

Boxes and bags are stacked everywhere but I also have a whole empty shelf unit which I'm going to use for stuff which I list for sale.🤞 And most importantly there's now space for Little X's cot, which she's now snoring away in as I speak. 💕

Happy Easter if it's your thing, I hope the bunny was good to you. 🐰 

Zoom-a-Zoom

I've had some unused frequent flier points since forever and all I ever seemed to do was ignore them... ✈ Well, based on a tip from Martin Lewis, I've just converted them to Nectar points and I now have enough for a free tank of fuel. Not shabby at all! ⛽ 🚗

I saw someone mention last year's member bonus for Nationwide. I didn't qualify without either a mortgage or savings account. 😒 This poster was hoping out loud for £100 again, so, long story short I've just opened a savings account that I've got no savings to put into. 😂

I've had another broker look into refinancing what I owe as a mortgage. This time looks slightly more positive, but I'm trying not to get my hopes up. 🏡 They've been quiet two days so it's anyone's guess. 

JamDoughnut fun, I bought another gift voucher for one of my fave supermarkets to get 2.5% cashback. These little vouchers have the bonus of forcing me to go spend them rather than pulling into the nearest shop. 👍

Freebie: a fancy pushchair for Little X. The travel system pram was what I thought I needed (since they insist it must lie completely flat) but it's unwieldy in and out of the car. Turns out they make decent stroller types which would have done just fine. In any case, she can sit up now on an incline. The kind man who gave it to me will also have a cot bed soon and promised to get in touch 💕

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 🍪