Monday, 21 July 2014

Hallooooo! Summer hols 30 day challenge, Day 1.

Hi everyone, sorry I've been away so long - where has the time gone?!! 
 I've been stopping by on all your lovely blogs as often as I can, I just haven't had the time to comment let alone post anything new here.
Today is the first 'official' day of the school holidays and I am sooo ready for six weeks off. It has been such a tough year for us mentally, physically and financially. Since September I have been working 8 hour shifts with 2 yr old children in a Nursery and Malcolm has been back with the Council grass cutting and emptying bins since February.
At 50 and 53 it has taken it's toll on our increasingly aching bods, but it's good to be working - I'm just glad that I'm term time only!
Unfortunately Malcolm's job is only seasonal, ending in October and not due to start again until April next year. This and several years of unemployment following redundancy have meant us racking up some serious debt. We are constantly trying to live within our means and reduce that debt where we can. Many thanks to those of you with good advice to offer on frugal living, I have already made big changes.
To keep me focussed and help us further on our way I have set myself a 30 day challenge. During my six week break there are 30 'working' days (weekends off - don't want to be too drastic, it's my first ever challenge!) On each day I will take at least one action to
  • reduce costs 
  • save money 
  • make money
  • find extra work 
  • generally help our financial situation
Today I have sorted out our Annual Renewal for Tax Credits.
I'm not sure where this fits in with the above as it may result in a reduction in income - obviously not the desired effect. However we were overpaid last year for Working Tax Credit (our fault, not theirs - oops!) so I really wanted to get back on an even keel. This seemed as good a place to start my challenge as any, it feels good to have it out of the way too.

Wish me luck!

What have you done recently to help your finances or live more frugally? I'd love to read your comments.

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