Profile of a budgeting mum: Pippa D (A Mother’s Ramblings)

Hi, what’s your name?

I’m Pippa D from A Mothers Ramblings

Any kids?

I have two children, a son who is three and a daughter who is seven. One day we may have
more, but it’s still a one day at the moment.

Do you work?
FT/PT?

I work part time in paid work, full time in running the house and looking after my family!

Why do you work?

Several reasons, it brings extra income to our household, I enjoy it and I think it is
good for my children to see me doing something that I am good at and I enjoy.

If you don’twork why don’t you?
N/A

What are your child care arrangements?

I’m lucky that I work part time from home, so I can take care of my son during the day and
pick my daughter up from school, but mostly I work when they are in bed. If I
need to go out for something to do with work then my husband is about or my Mum
or Sister help out.

How do you manage for money?

With careful budgeting we manage well, but we have to make minor adjustments all the time.
We like to dream that we have more money in the same way that Del Trotter did
in Only Fools and Horses but even if we were rich I think we would still live a
similar lifestyle. My children both know that our budget is fixed and so it
helps that they understand that if they want X that we might not be able to
afford another treat too.

Do  you worry about money?

Yes and No. With prices going up for just about everything it’s a worry that we might not
be able to afford certain things but we have enough to get by and I don’t stay
up at night worrying. I do sometimes worry that my children aren’t getting the
same opportunities as other children because we can’t afford them but I know
that I turned out okay so hope the same can be said for them.

What do you waste money on?

I don’t think I do. I budget so carefully that I know where everything is going. I don’t buy
magazines, but read the ones you get free in Supermarkets. We have treats to
share such as an internet connection and SKY TV, but I think of these as a
necessity! I guess the only real waste is fizzy drinks for my husband and I but
that isn’t much and I tend to buy things on offer.  We would rather do without than have our
children go without, so wasting money isn’t really an option for us!

Have you made any big financial changes since having kids?

When our son was born we decided together that we would need to change our lifestyle so that
I would be a stay at home Mum. A few weeks later I was offered a work at home
job and that made a huge difference to our plans, we didn’t have to stop buying
fizzy drinks!

How do you make extra cash?

Selling things on ebay is the first thing I can think of. We have a lot of stuff we
don’t need, and so every so often we will sell what we can! My blog earns a few
£’s a year with sponsored posts and advertising and if we can sell our skills
to someone then we do. I also do a lot of online surveys and take part in some
additional research projects based on internet usage and shopping habits and
get paid in vouchers. This was brilliant last year as I brought a lot of
Christmas gifts with my vouchers and I even brought a new lawn mower a couple
of weeks ago! I also find that saving up vouchers sent out from supermarkets
helps as I count that as free cash!

Can you share 3 top budgeting tips for other parents?

1.  Make a weekly menu and then make sure you are getting the best price for your shopping that you can.

I use My Supermarket tomake sure I am going to the best Supermarket for me and

keep a price book tomake sure that I am not able to get something at a better price elsewhere. My
family and I swap details of good deals we see and if needs be we will stock up
on something that we know is a good price for each other. As part of this make use
of the freezer and bulk buy if you can as it does make savings and even if it
is only a few pence they soon add up to pounds!

2.  Keep your budget somewhere visible.

Ours is on the PC, but we keep a print out on the wall in the den too. It states how much
we budget for EVERYTHING and I can keep tabs when bills come in etc if we are
sticking to it or if we need to make changes. Every month I go back through the
bank statement to just triple check that everything adds up and every six
months we check if we need to adjust any of our figures. It keeps us in the
black… just!

3.  Don’t be afraid to treat yourself.

If you are sticking to a restrictive budget then you will eventually start to resent it.
Allow yourself to have a little splurge every now and again and give yourself a
weekly treat. It might be that you play the lottery, or drink fizzy drinks or
even like an expensive tipple. As odd as it sounds saying to spend money to
save money you will find that you stick better to your budget!

Pippa can be found at
A Mothers Ramblings which is mainly about
life with her two children Top Ender and Baby Boy and her husband (otherwise
known as Daddy). You will find her writing a blend of humour, warmth and family
fun as she combines hilarious anecdotes, honest reviews, ideas for days out and
affordable at home activities. Pippa is especially well known for her video
blogs, including this one of her disco dancing in a lift at Butlins!

When she isn’t having fun with the family she
can often be found on Twitter and Facebook.

Thanks Pippa!

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3 Comments

  1. July 19, 2011 / 5:13 am

    Great budgeting profile.
    We are very alike! 🙂

  2. July 19, 2011 / 9:35 pm

    We are! I think it’s natural to work a budget like this as there isn’t a lot of extra work.

  3. July 22, 2011 / 11:41 am

    i also need to work part time and should consider the buget things like u! thank u..

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