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    • Plain Jane
    • By Plain Jane 30th Jul 17, 9:04 PM
    • 67Posts
    • 97Thanks
    Plain Jane
    University Challenge x 2
    • #1
    • 30th Jul 17, 9:04 PM
    University Challenge x 2 30th Jul 17 at 9:04 PM
    Hi everyone, you all seem such a friendly bunch and I've been reading some of your diaries for a long time. I thought it was time I joined in and added my own diary for some help and encouragement.

    My name is quite boring but I haven't got a very creative mind today so may think of something better at a later date.

    So my title says it all really. Our DT (darling twin girls) were born 19 years ago in September. So you'd think after the shock of having two children at the same time we would have thought that at some point they will reach the age where they could well want to go to uni!

    No not us, we lived each day as it came getting ourselves into a mountain of debt without a thought for the future. In 2002 this debt reached £66k - LBM number 1 came along. We entered a dmp and spent the next 12 years scrimping and saving. In 2014 my dearest and lovely Dad passed away. The worst thing that has ever happened to me. About 6 months later his inheritance arrived and the first thing we did was pay the remaining £23k off our debt. The relief was amazing, it's such a shame something bad had to happen to get there.

    The remaining money we used to update the house as it had not had much love. So you think lessons learned we are free of debt apart from the mortgage. Oh no, I obviously thought we were invincible. The children were older and still talking about uni but we hadn't lived for so many years and all of a sudden credit was available to us. We went on holiday a couple of times and had weekends away, spent very unwisely on a day to day basis and bought shoes, clothes and everything else we thought we could afford now but really we couldn't.

    So here we're are, girls hopefully getting into uni in September, upset about having an empty nest all in one go and £40k back in debt.

    I've spent the last month overhauling the budget but nowhere near to the point that some of you do - I think you are all amazing. I have chopped small things out which have added up and the next thing to go is our storage unit where we dumped everything after losing 3 parents and a sister in quick succession. We cannot afford £172 a month for this. So my diary is all about cutting down, minimilising and hopefully losing weight along the way as I think these things can go hand in hand.

    Hope you've all had a great weekend and looking forward to talking to you all.

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    • Plain Jane
    • By Plain Jane 5th Jan 18, 4:15 PM
    • 67 Posts
    • 97 Thanks
    Plain Jane
    Hi all think I missed a post yesterday - not good New Year MSE-Ing.

    So annoyed the lad that wanted DT2’s accommodation hasn’t been in touch since. He is stalling which isn’t a good sign. However, we will give him the benefit of the doubt until tomorrow. Then the add is being bumped up again.

    Need some food shopping so may do an on-line order as still not feeling great.

    Bills are all leaving my account as normal can see the end of the month being touch and go roll on pay day!
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