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Credit Crunch
Sorry not baby related but wondered if the CC has affected you?
We bought Kade loads for xmas but have now decided to tighten our belts even though we have a holiday booked for the end of feb.
Is anyone else preparing to tighten their belts for 2009 or has your situation not changed and your happy to carry on as normal?
We bought Kade loads for xmas but have now decided to tighten our belts even though we have a holiday booked for the end of feb.
Is anyone else preparing to tighten their belts for 2009 or has your situation not changed and your happy to carry on as normal?
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Am making all our food and a portion each goes in the freezer. Then one week of the month we live out of the freezer! Only have to but milk, bread, pots and formula etc. Off to buy a chest freezer tomorrow so I have more room to store BOGoff things and lo's food.
No holidays as yet. Oh seems to think I'll be going without a birthday present. Might be going to far!
Think it's good to try and live on a budget sometimes but this is a forever one! When you've got lo's it's so differernt isn't it?
No birthday pressie isn't good ( Even anything is better than nothing!!
We've reviewed our finances (that sounds so serious) & rearranged things a heck of a lot so our monthly expenditure is reduced. We've changed fuel providers etc etc. As i'm dieting, i do a weekly menu & only buy what we need & will actually use (we were a nightmare for throwing fresh produce out).
We will still be going on holiday, but day-to-day expenses like eating lunch out etc will be curbed dramatically.
I will also be winning the lottery this year which will help tremendously - lol!!
Sarah xx
and his company decided not to make him redundant but gave him a loyalty bonus of 3 months rent so that made our savings go up and we now have over ??10.000 saved and have been over paying the morgage for over a year so can not pay it for two months at the moment.
We also got our gas and electric fixed 2 weeks before all the prices started to go up so ours hasnt increased at all yet and will stay like this till 2011.
xx
Also we are due to remortgage in July and I am worried about not getting a good rate on that!
Joo xxx
24w today!
oh F*** the kenwood that we bought off ebay has just started smoking like mad and stopped.... guess buying 2nd hand doesn't always work!!
xx
Im sure it might affect us in the future with me going on mat leave in April but for now we are ok, although I will be being more careful with food shop mainly because I am bad at buying and wasting which makes me feel bad when peple are suffering.
Our mortgage has gone down but we have siphoned that money into our savings and I have always had a week where we empty the freezer out every month or so so that no food goes to waste.
I know people who are really worried for their jobs and I agree with Bedhead that although some of us are very lucky at the moment, the cc has and will affect everyone in some way.
We're lucky we're doing ok but you never know how things might chance do you? I agree about the food prices I now make a list and we have to stick to it in the supermarket. And we don't do a food shop on an empty stomach! I swear that adds a t least a tenner to a shop!
main affect is that it looks like i'm being made redundant, i have been called into work (am half way through mat leave) for a meeting on weds and have received a letter infroming me there will be major changes to the project where i work- either it will be closed, made smaller or merged with another project. if i am we will loose a huge chunk of my maternity pay and i will go down to stat minimum (which i know i'm lucky not to be on) but feel really gutted as want to enjoy my time with my lo as much as possible without feeling stressed about money...
but then remind myself that i've been lucky to be on half pay anyway. I'm sure we'll cope just hate money stress!
am off to do some more research on being made redundant.