I've just been figuring out income versus outgoings and basically we are not bringing in enough to cover everything. I'm now panicking about christmas! I know Ollie won't notice that we haven't got him anything for his birthday or christmas but I am 99% sure that OH's ex is gonna give us a hard time for not buying the other 2 anything It's alright for her getting all her bills paid from benefits and still working, probably getting cash in hand but we only have OH's wage, child benefit, tax credits and approx £16 a week from Avon all of which goes on bills. I can't be bothered with the hassle! She is always giving is shit over something or other and I'm sick of it now!!!

i know the feeling ,,,, i generally start a xmas club , local toy/gift shops and some post offices usually have little schemes going on to spread the cost x

Im dreading crimbo and I dont even have a stupid x to worry about - im looking forward to spending time with the family though so hopefully my lack of present giving will be too noticed considering we will have a new baby for everyone to coo over then
xx

we are the same girls,

from november outgoings are more than whats coming in, i am trying to get a few bits now but we have loads of birthdays in sept oct and nov too (

awww that is pants!

Have you thought about a savings card? The post office do one, I had already started again with Park this year - but next year im going with the post office as its easier and better than Park

I haven't put away as much as I'd like this year (with us losing £10k lol) but at least it means Izzy would get something regardless of how bad a situation our finances were in.

The post office one you can put small amounts in at any time, so no commitment

We started saving for Xmas in January!! We have already said we are just buying kiddies presents this year and not the adults We said it last year but we still bought them, but we are sticking to it this year.

OMG Lisa - how did you lose that much money??

xx

Pepper wrote:

We started saving for Xmas in January!! We have already said we are just buying kiddies presents this year and not the adults We said it last year but we still bought them, but we are sticking to it this year.

OMG Lisa - how did you lose that much money??

xx

A company Dan worked for at the beginning of the year went bankrupt owing him that much, the arsehole of a director has so far got off scot free and still has his huge house, new BMW, yacht etc ...but a lot of the people he basically stole from (cos he kept taking money from the company and not paying people) are pursuing a personal court case against him.

I hope he manages to get it back...that's a lot of money to lose (you obv don't need me to tell you that!) I hope he manages to get some if not all of it back!!

How do these bastards get away with it!!!
xxx