Hi, what’s your name?
3! Charlie 5, Megan 4 and Olive 1
Do you work? FT/PT?
I run my own business I’d love to say part time but sadly I seem to spend every spare minute during the unsavoury hours working!!
Why do you work?
Initially I started my business not long after the birth of my first child and the reason was – sanity!! I really missed the mental stimulation my previous job had given me. But now 4 years on and my business is part of me
What are your child care arrangements?
I don’t really have much in the way of childcare arrangements – my partner is also self employed so on occasion he can be around to help out with the children Charlie & Megan are now at full time school which reduces the burden somewhat. I usually either have meetings with people who don’t mind Olive being there or when my mother in law isn’t working.
How do you manage for money?
Humm we get by but sometimes we aren’t the best when it comes to money! We don’t always budget as well as we should. And I’m a bugger for treating the children with money probably better spent on everyday essentials instead of luxurys!
Do you worry about money?
I don’t worry as such but I am conscious of money and what we have and what things cost.
What do you waste money on?
Everything!!! I’m one of those people when the bank account is full can do a weekly shop for over £100 then suddenly when I only have £40 can feed the family for a week!! See no budgeting!
Have you made any big financial changes since having kids?
How do you make extra cash?
I do partake in the selling of unwanted items especially the children’s bits and pieces. Not really making extra cash as such but I do have a Tesco clubcard which I don’t take any points from until Novemeber then I double them in to spend on toys last year we had £50 which we used to buy the 3 nephews presents! I do the same with Nectar points save them until Xmas.
Can you share 3 top budgeting tips for other parents?
1. My first would be to get and use (doesn’t have to be all the time) a Tesco Clubcard – the money off vouchers they send you everyso often to lure you in store are always really welcomed at my home! Especially now they use your shopping to decide what to send you I had £1.50 off Pampers last week.
2. Buy presents throughout the year so that Xmas isn’t a huge shock on your bank balance. I buy clothing and toys in the supermarket with my shopping, when it’s on sale and put it away. I already have a couple of outfits for the children in the next size up, bedding and books all a fraction of the price it will be in December.
3. Grow your own! We grow a lot of fruit and veg. Charlie loves picking apples off the tree to put in his lunch box. It’s not just a great way to save money, but its a great way teach your children about where food comes from and HAVE FUN!
Thanks so much for you answers Joanne . Joanne ‘s business is the fabulous Charlie Moo’s where she sells gorgeous handmade party bags, gifts and toys.
Joanne is also a very savvy business woman whose latest book is out now!