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  • FIRST POST
    • NoOneAround
    • By NoOneAround 27th Aug 14, 10:22 PM
    • 1,493Posts
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    NoOneAround
    Spent 4 years pretending it's all OK
    • #1
    • 27th Aug 14, 10:22 PM
    Spent 4 years pretending it's all OK 27th Aug 14 at 10:22 PM
    Bewildered, confused, terrified that will lose everything we have worked so hard to build up. Over 70 K unsecured debt and 28K owed to family. Have been self employed for 10 years but business gradually gone down hill in recession. partner went back t o work, on good salary 47K but not enough, plus some money still coming in from business/part time jobs. Have 3 years left of independent school fees (yes we could pull child out but it would destroy him - please don't judge), older child about to go to university and we won't be able to provide much support. Talked to debt charity earlier this year and wrote to some creditors but not all - kept thinking things would improve but they haven't yet, so now need to do the rest - wish I had listened and acted fully 6 months ago. Better late than never I guess. Desperately looking for a job but too stressed to produce good applications. Sleep deprivation and now relationship problems. Have a decent house but don't want to downsize as have elderly parents with health issues who will need our support and probably move in with us. Health beginning to suffer. Don't know how we got ourselves into this state - well educated, professionals, feel totally ashamed, so keep up the pretences with everyone that everything is hunky dory. So sad and depressed.
Page 87
    • NoOneAround
    • By NoOneAround 6th Jul 17, 9:43 PM
    • 1,493 Posts
    • 7,210 Thanks
    NoOneAround
    PS. Am planning to do VAT tomorrow - deep joy x
    Originally posted by brizzledfw
    Partners in crime at Last*minute.com aren't we
    x
    Feb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/04/17 £67,262=7.25%PAID
    Mortgage Jan14=209,800 Jan15=£200,300Jan16 £190,800 Jan17£180,700
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes
    Wombling Free Cash May2016 £51
    • brizzledfw
    • By brizzledfw 6th Jul 17, 9:53 PM
    • 6,933 Posts
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    brizzledfw
    Yep Although knowing you are having to share the pain NOA is helping me knuckle down and do it

    Also have a tax bill to sort.

    Oh well its what Fridays were made for
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    July '17 Savings Rate Goal: 33% [June 30%]
    Declutter 100 items before 31.07.17 02/100 ** LSDs Target 10 for July 02/10 **AFDs 19/25 ** Sales Target '17 £750 £140 so far
    **NSDs Target 5 for July 03/05 Trying to be a Frugalista
    • NoOneAround
    • By NoOneAround 7th Jul 17, 11:49 AM
    • 1,493 Posts
    • 7,210 Thanks
    NoOneAround
    Yep Although knowing you are having to share the pain NOA is helping me knuckle down and do it

    Also have a tax bill to sort.

    Oh well its what Fridays were made for
    Originally posted by brizzledfw
    All done and dusted and paid
    NOA is a free elf
    Feb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/04/17 £67,262=7.25%PAID
    Mortgage Jan14=209,800 Jan15=£200,300Jan16 £190,800 Jan17£180,700
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes
    Wombling Free Cash May2016 £51
    • NoOneAround
    • By NoOneAround 7th Jul 17, 12:04 PM
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    NoOneAround
    Work related stuff under control now
    Now Have room in my head to try get paperwork/money ordered etc for hols, and start trying to make dent in my domestics.
    Cooked double yesterday so no meal to prepare for tonight.

    Updated list

    DD's insurance renew
    Update elec meter readings
    Check bank statements etc/budget
    2 creditor call to make
    Voluntary work admin
    Mums tv licence - contact as should be free now.
    Mums utilities - look up new fixed rates etc/ switch if needed
    Mums cancelled apt - chase again
    Book hair cuts for dd and me

    In prep for Hols
    Travel insurance - basic research done, more comparisons
    Money - order
    Vaccinations booked for next week/pick up prescriptions
    Documents
    Shopping For... some done, more to do still
    Order luggage online from debs sale

    House domestics
    Major tidy up clean, 15 min stints whenever I can.
    washing/washing/washing and syphon off stuff into cases

    NOA
    x
    Feb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/04/17 £67,262=7.25%PAID
    Mortgage Jan14=209,800 Jan15=£200,300Jan16 £190,800 Jan17£180,700
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes
    Wombling Free Cash May2016 £51
    • NoOneAround
    • By NoOneAround 9th Jul 17, 9:52 PM
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    • 7,210 Thanks
    NoOneAround
    Weekend has just flown by, very up and down in lots of ways but muddling through. A couple of shopping trips and I think I have most of the kits needed for DS trip. New trainers/boots x2, spare shorts, smart trouser for post match socialising, flipflops, baseball cap. need to get sunglasses. all on top of a smart suit and a dinner suit, all purchased in last three weeks. Have also bought new luggage in the sales, its been a long long time since we have been on a big holiday where I'm not just throwing things in the car!
    tomorrow am home with DS, will get him to count things up. Have done lots of washing and I want to put away everything that I can this week (also need to sew in loads of name labels
    Am working at 2nd part time job from Tuesday until following Tuesday, also have DD's graduation on next Monday - she got her results and has got 1st class hons Also had speech day last weekend and DS did me proud too and came away with year subject prizes for 3 of the 4 subjects that
    he has chosen for A level. boasty mum moment sorry about that I am just so relieved that they both put their heads down and got on with it despite the sad year we have had.
    DD just accepted an offer to do MA so she must have enjoyed it
    though the level of student debt is going to be horrendous.

    Mum has been staying with sister helping her this week, so didn't have to visit anyone this weekend. Lucky, as hands quite painful, driving would only exacerbate it more.

    Am going to struggle for holiday clothes, feeling very frumpy at the moment. Though it will be winter there so won't need to expose much fortunately

    Need to have a soak now to try and ease up joints ,

    Hope everyone has had a lovely weekend
    NOA
    xx
    Feb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/04/17 £67,262=7.25%PAID
    Mortgage Jan14=209,800 Jan15=£200,300Jan16 £190,800 Jan17£180,700
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes
    Wombling Free Cash May2016 £51
    • Puzzcat
    • By Puzzcat 10th Jul 17, 12:53 PM
    • 3,077 Posts
    • 16,114 Thanks
    Puzzcat
    Weekend has just flown by, very up and down in lots of ways but muddling through. A couple of shopping trips and I think I have most of the kits needed for DS trip. New trainers/boots x2, spare shorts, smart trouser for post match socialising, flipflops, baseball cap. need to get sunglasses. all on top of a smart suit and a dinner suit, all purchased in last three weeks. Have also bought new luggage in the sales, its been a long long time since we have been on a big holiday where I'm not just throwing things in the car!
    tomorrow am home with DS, will get him to count things up. Have done lots of washing and I want to put away everything that I can this week (also need to sew in loads of name labels
    Am working at 2nd part time job from Tuesday until following Tuesday, also have DD's graduation on next Monday - she got her results and has got 1st class hons Also had speech day last weekend and DS did me proud too and came away with year subject prizes for 3 of the 4 subjects that
    he has chosen for A level. boasty mum moment sorry about that I am just so relieved that they both put their heads down and got on with it despite the sad year we have had.
    DD just accepted an offer to do MA so she must have enjoyed it
    though the level of student debt is going to be horrendous.

    Mum has been staying with sister helping her this week, so didn't have to visit anyone this weekend. Lucky, as hands quite painful, driving would only exacerbate it more.

    Am going to struggle for holiday clothes, feeling very frumpy at the moment. Though it will be winter there so won't need to expose much fortunately

    Need to have a soak now to try and ease up joints ,

    Hope everyone has had a lovely weekend
    NOA
    xx
    Originally posted by NoOneAround
    Dear Noah,

    to both your wonderful children

    I am intrigued by your upcoming trip.. winter.. so long flight.. upside down maybe...? Not flying upside down I mean visiting the other side of the world?? Where ever you are going I hope you all have a lovely break as a family (well ds is doing his own thing.. but I assume you are in the same vicinity..)

    Take care and make sure you relax before you go, don't want you all worn out and unable to enjoy it..

    Love Puzz. x
    Christmas 2017 £350 cash/£80 vouchers
    I love my dmp started in Nov 13 with SC 33% paid
    Going Self Managed March 2016
    Pot Of Gold - £415.00
    MY DIARY -
    http://forums.moneysavingexpert.com/showthread.php?t=4768685
    • NoOneAround
    • By NoOneAround 10th Jul 17, 2:23 PM
    • 1,493 Posts
    • 7,210 Thanks
    NoOneAround
    Hello Puzz, Thank you

    11 hour flight will be hard, am more than a little worried ,
    It is upside down but not Oz.
    Clue 1 Penguins...
    Clue 2 Batman wears them so
    Clue 3 Can but Hope
    Clue 4 2C Big 5
    Clue 5 and dine on a mountain
    Clue 6 and spend time in my favourite place.

    Lots more clues available but I think that's a giveaway
    Injections later today

    NOAh
    xx
    Feb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/04/17 £67,262=7.25%PAID
    Mortgage Jan14=209,800 Jan15=£200,300Jan16 £190,800 Jan17£180,700
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes
    Wombling Free Cash May2016 £51
    • Puzzcat
    • By Puzzcat 10th Jul 17, 4:52 PM
    • 3,077 Posts
    • 16,114 Thanks
    Puzzcat
    Hello Puzz, Thank you

    11 hour flight will be hard, am more than a little worried ,
    It is upside down but not Oz.
    Clue 1 Penguins...
    Clue 2 Batman wears them so
    Clue 3 Can but Hope
    Clue 4 2C Big 5
    Clue 5 and dine on a mountain
    Clue 6 and spend time in my favourite place.

    Lots more clues available but I think that's a giveaway
    Injections later today

    NOAh
    xx
    Originally posted by NoOneAround
    Got it... never been.. and they have penguins.. I love penguins.. when I went to Oz to visit my sis we went to Phillip island.. lovely penguins... smell of fish mind..

    Have a lovely time.. and 11 hours flying.. that's nothing, you can sleep, read a book or watch tv without being disturbed.. easy for me to say as my last long haul was posh class..

    Have a super super time.. although I don't think your going yet so I will say it again nearer the time..!

    Love Puzz. x
    Christmas 2017 £350 cash/£80 vouchers
    I love my dmp started in Nov 13 with SC 33% paid
    Going Self Managed March 2016
    Pot Of Gold - £415.00
    MY DIARY -
    http://forums.moneysavingexpert.com/showthread.php?t=4768685
    • NoOneAround
    • By NoOneAround 11th Jul 17, 9:54 PM
    • 1,493 Posts
    • 7,210 Thanks
    NoOneAround
    Work work work today but did manage to nip into town today after work to enquire about currency, check prices for insect repellent, and buy other odds and ends in boooots and Sooperdrug and ordered prescription sun glasses for DS (with 50% off voucher), fill up car with fuel and do a grocery shop in 90 mins

    A couple of quotes to type up and send off (2 more referrals) fingers crossed - desperately needed to feed the pipeline for when we get back!

    Very pleased to report that I've just got my first TopCB payout in Deben**hams evoucher of £92 for the past year A big thank to MSE diaries for introducing me to that .... was it you Brizzle? I can't quite remember now - saw it talked about in several places.....

    Anyway,
    got to get ready for work tomorrow, feeling very tired and wishing I had not agreed to work this week, but find it hard to turn work away. Probably too late for a soak now

    NOA
    x
    Feb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/04/17 £67,262=7.25%PAID
    Mortgage Jan14=209,800 Jan15=£200,300Jan16 £190,800 Jan17£180,700
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes
    Wombling Free Cash May2016 £51
    • trix-a-belle
    • By trix-a-belle 11th Jul 17, 11:21 PM
    • 695 Posts
    • 3,035 Thanks
    trix-a-belle
    I can highly recommend jungle formula insect repellent, available at the usual high street suspects, worked like a dream for me when I went to Cuba a few years ago.
    Hope you have a lovely time
    - Mortgage: £ 53000 0! Mortgage Free!
    - Student Loan: £ 7100 0!
    Swagbucks, Neobux, GiffGaff, Roamler, Qmee & Quidco; thank you MSE every little bit helps
    MFiT-T4
    • NoOneAround
    • By NoOneAround 17th Jul 17, 10:33 PM
    • 1,493 Posts
    • 7,210 Thanks
    NoOneAround
    Got it... never been.. and they have penguins.. I love penguins.. when I went to Oz to visit my sis we went to Phillip island.. lovely penguins... smell of fish mind..

    Have a lovely time.. and 11 hours flying.. that's nothing, you can sleep, read a book or watch tv without being disturbed.. easy for me to say as my last long haul was posh class..

    Have a super super time.. although I don't think your going yet so I will say it again nearer the time..!

    Love Puzz. x
    Originally posted by Puzzcat
    Thanks Puzz
    Lucky You going posh class, The thought did cross my mind but it would have made us slide backwards into an even bigger black hole of debt!
    xx
    NOA
    Feb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/04/17 £67,262=7.25%PAID
    Mortgage Jan14=209,800 Jan15=£200,300Jan16 £190,800 Jan17£180,700
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes
    Wombling Free Cash May2016 £51
    • NoOneAround
    • By NoOneAround 17th Jul 17, 10:36 PM
    • 1,493 Posts
    • 7,210 Thanks
    NoOneAround
    I can highly recommend jungle formula insect repellent, available at the usual high street suspects, worked like a dream for me when I went to Cuba a few years ago.
    Hope you have a lovely time
    Originally posted by trix-a-belle
    Thank You Trix-a-belle - I bought the jungle one as you recommended - it wasn't much more than the own brands, and there was a buy one get one half price offer - so I did pretty well methinks!
    Cuba sounds fantastic.....hmmmm.... destination for next trip perhaps....

    NOA
    x
    Feb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/04/17 £67,262=7.25%PAID
    Mortgage Jan14=209,800 Jan15=£200,300Jan16 £190,800 Jan17£180,700
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes
    Wombling Free Cash May2016 £51
    • NoOneAround
    • By NoOneAround 17th Jul 17, 10:38 PM
    • 1,493 Posts
    • 7,210 Thanks
    NoOneAround
    On a bit of a high as just returned for graduation ceremony
    Need to get myself to bed as still working tomorrow and some complications with car hire to sort out ....
    credit card essential and a photo licence too some last minute panic stuff to take care of tomorrow.

    NOA
    xx
    Feb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/04/17 £67,262=7.25%PAID
    Mortgage Jan14=209,800 Jan15=£200,300Jan16 £190,800 Jan17£180,700
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes
    Wombling Free Cash May2016 £51
    • Cherryfudge
    • By Cherryfudge 17th Jul 17, 10:51 PM
    • 497 Posts
    • 1,452 Thanks
    Cherryfudge
    Fantastic news from both the children! You are absolutely right to be 'proud mum' - they are a credit to you.
    30 days in June...
    NSDs 9/12, Exercise 8/12, Housekeeping £108.57/£120
    • eco farmer
    • By eco farmer 18th Jul 17, 9:30 AM
    • 103 Posts
    • 383 Thanks
    eco farmer
    have a lovely time NOA xxx
    debt free 1st October 2016
    • brizzledfw
    • By brizzledfw 20th Jul 17, 10:43 PM
    • 6,933 Posts
    • 33,301 Thanks
    brizzledfw
    Fantastic news re your kids

    Your long trip sounds amazing. So thrilled you've just gone for it life is for living hon xxx
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    July '17 Savings Rate Goal: 33% [June 30%]
    Declutter 100 items before 31.07.17 02/100 ** LSDs Target 10 for July 02/10 **AFDs 19/25 ** Sales Target '17 £750 £140 so far
    **NSDs Target 5 for July 03/05 Trying to be a Frugalista
    • jvr
    • By jvr 21st Jul 17, 10:06 AM
    • 301 Posts
    • 1,053 Thanks
    jvr
    Oooooo didn't realise you were going there!! When are you going? You will have an amazing time
    10 month debt free challenge + trip to South Africa starting on the 21st of July 2017!

    Starting point: £9000 needed to clear debt and pay for the holiday
    Now: £500/£9000 paid......... £8500 to go!
    • NoOneAround
    • By NoOneAround 21st Jul 17, 10:52 AM
    • 1,493 Posts
    • 7,210 Thanks
    NoOneAround
    have a lovely time NOA xxx
    Originally posted by eco farmer
    Thank You Eco, I am sure we will once we get there. DS already there
    NOA x

    Fantastic news from both the children! You are absolutely right to be 'proud mum' - they are a credit to you.
    Originally posted by Cherryfudge
    Thank you Cherry, I am so very pleased for them

    NOA
    x
    Feb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/04/17 £67,262=7.25%PAID
    Mortgage Jan14=209,800 Jan15=£200,300Jan16 £190,800 Jan17£180,700
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes
    Wombling Free Cash May2016 £51
    • NoOneAround
    • By NoOneAround 21st Jul 17, 11:01 AM
    • 1,493 Posts
    • 7,210 Thanks
    NoOneAround
    Fantastic news re your kids

    Your long trip sounds amazing. So thrilled you've just gone for it life is for living hon xxx
    Originally posted by brizzledfw
    Thank You Brizzle, Still feeling very guilty about it, but it's taken a long while to realise the Life is for living, mostly with the help and inspiration from the lovely people on here like you know who

    NOA
    x
    Oooooo didn't realise you were going there!! When are you going? You will have an amazing time
    Originally posted by jvr
    Thanks you jvr, had wanted to post/ask you about it but haven't been on much due to work and family commitment overload during the last 2 months! Sunday!
    Major chaos at home, exhausted myself getting DS off. Not packed yet, and dithering about whether to go see mum today. At least car hire issues are sorted.

    NOA
    x
    Feb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/04/17 £67,262=7.25%PAID
    Mortgage Jan14=209,800 Jan15=£200,300Jan16 £190,800 Jan17£180,700
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes
    Wombling Free Cash May2016 £51
    • jvr
    • By jvr 21st Jul 17, 12:23 PM
    • 301 Posts
    • 1,053 Thanks
    jvr
    Hi Noa


    Feel free to ask away where abouts are you going? Will try think of a list of weird quirks about the place that are useful to know!


    Exchange rate is not as good as it has been but still pretty good If you like a glass of vino you will be delighted at the prices over there.
    10 month debt free challenge + trip to South Africa starting on the 21st of July 2017!

    Starting point: £9000 needed to clear debt and pay for the holiday
    Now: £500/£9000 paid......... £8500 to go!
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