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  • FIRST POST
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 6th Nov 14, 4:53 PM
    • 8,497Posts
    • 48,217Thanks
    please-let-me-be-lucky
    Three choices in life; Give up, Give in or Give all you've got!!
    • #1
    • 6th Nov 14, 4:53 PM
    Three choices in life; Give up, Give in or Give all you've got!! 6th Nov 14 at 4:53 PM
    This is my 2nd diary on MSE. My first diary, "When I asked for luck I didn't mean the bad variety!!" has to be closed as it's reached over 5000 posts!! It can be found here;

    http://forums.moneysavingexpert.com/showthread.php?t=3911061

    In 2011 my Husband had a motorcycle accident resulting in a severe brain injury, memory problems and Epilepsy. Unfortunately he is getting worse not better and I am now his full time Carer, which can be challenging, but I'm ever grateful he is still here! I also have 2 boys aged 10 and almost 5, a part time job and I'm currently a Beaver Leader but I've just given notice to leave at Christmas (as much as it pains me!) as I just can't manage that too. The last 3.5 years have been hard going for lots of reasons, but worth it. Every day may not be good, but there's something good in every day!!

    At the time of the accident we owed over £23,700 on credit cards and we currently owe just over £3000. Hopefully this diary will see us getting debt free forever! I hope you'll join me.

    Lucky Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in 2018 3/60
    Lbs lost 8.5/107.
    Savings for Florida £51.04/£1000
Page 195
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 9th Nov 17, 9:32 PM
    • 8,497 Posts
    • 48,217 Thanks
    please-let-me-be-lucky
    Not a huge deal to report.

    MiL has been offered £50 compensation for a complaint I made on her behalf . Why am I never so successful when itís my own complaint?!

    Mortgage went out this morning for more than usual. That didnít take long after the interest hike did it ?
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in 2018 3/60
    Lbs lost 8.5/107.
    Savings for Florida £51.04/£1000
    • beanielou
    • By beanielou 9th Nov 17, 9:36 PM
    • 49,466 Posts
    • 185,994 Thanks
    beanielou
    Blimey that was a quick hike.
    I hope they let you know in advance.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 9th Nov 17, 9:44 PM
    • 8,497 Posts
    • 48,217 Thanks
    please-let-me-be-lucky
    Blimey that was a quick hike.
    I hope they let you know in advance.
    Originally posted by beanielou
    Nope
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in 2018 3/60
    Lbs lost 8.5/107.
    Savings for Florida £51.04/£1000
    • beanielou
    • By beanielou 9th Nov 17, 9:58 PM
    • 49,466 Posts
    • 185,994 Thanks
    beanielou
    Nope
    Originally posted by please-let-me-be-lucky
    Blimey that's not on.
    I would be having a strong word with them
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • Knit Witch
    • By Knit Witch 10th Nov 17, 9:30 AM
    • 3,260 Posts
    • 29,926 Thanks
    Knit Witch
    Nope
    Originally posted by please-let-me-be-lucky
    That's not on! We got a letter yesterday from our provider explaining the raise from 1st December
    V3ry - £479.60
    • mummytogirls
    • By mummytogirls 10th Nov 17, 4:17 PM
    • 5,793 Posts
    • 20,157 Thanks
    mummytogirls
    Brilliant news on MIL's complaint!!

    Im still waiting for our mortgage letter! x
    Mummytogirls x

    £23164.32 - 12/12/10
    £6069.37 - 02/01/18 - 73.80% paid off
    • Sun Addict
    • By Sun Addict 11th Nov 17, 7:27 AM
    • 4,963 Posts
    • 30,819 Thanks
    Sun Addict
    That's very unfair putting up your mortgage without telling you, I think a complaint is in order. I'm so pleased I fixed the rate of my remortgage for its term at least I know what I'll be paying out for the next 7 years.
    Virtual Sealed Pot 2018 £94.62
    Jan NSDs 4 Jan AFDs 6
    Weight loss 3/10LBS Emergency Fund £1685.31/£10,000
    April holiday £803.90/£803.90
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 11th Nov 17, 6:25 PM
    • 8,497 Posts
    • 48,217 Thanks
    please-let-me-be-lucky
    I think the mortgage thing has been to do with the fact that DWP pay an amount towards the mortgage as part of DHís benefit, so we are supposed to just know that the shortfall amount we pay can vary. Except it hasnít until this month .

    DH had a partial seizure yesterday and has been all over the place head/mood wise . We didnít go to chub club and Iíve eaten my weight (which is a lot!) in sweet things to cheer me up so next weekís weigh in probably wonít be pretty.

    Quote has been accepted for respite break, so just waiting for the finds now and then it can all be booked .

    Mr T wouldnít take a 50p off coupon despite it being in date, so I emailed the manufacturer to complain, and theyíve sent me a £1 voucher as an apology. So a 100% increase for a little bit of fuss .(
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in 2018 3/60
    Lbs lost 8.5/107.
    Savings for Florida £51.04/£1000
    • beanielou
    • By beanielou 11th Nov 17, 8:51 PM
    • 49,466 Posts
    • 185,994 Thanks
    beanielou
    Boo to the partial seizure
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • beanielou
    • By beanielou 11th Nov 17, 8:51 PM
    • 49,466 Posts
    • 185,994 Thanks
    beanielou
    Good news on the break though
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 12th Nov 17, 5:23 PM
    • 8,497 Posts
    • 48,217 Thanks
    please-let-me-be-lucky
    DH has continued with the Ďwavesí today, so thatís 3 full days non stop . He had another angry outburst last night and DS1 and I coped it (verbally, itís never physical!). When DH calmed down he said itís because he gets petrified that Iíll leave him and that the boys will grow up hating him. Odd, because itís only his angry behaviour that will cause that!

    Been to see Paddington 2 at the cinema today, which I prebooked earlier on in the week. MiL is a huge Paddington fan, so we took her too. Unfortunately we have used all our free tickets, so apart from Carers admission, it was full price . We all loved it though.

    5.20pm and Iíve already got my pjs and dressing gown on! Feeling like I want to hibernate . Wish I had wine!!
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in 2018 3/60
    Lbs lost 8.5/107.
    Savings for Florida £51.04/£1000
    • Sun Addict
    • By Sun Addict 12th Nov 17, 7:09 PM
    • 4,963 Posts
    • 30,819 Thanks
    Sun Addict
    Sorry to hear Mr Lucky has had a partial seizure, waves and angry outbursts Not good when you have to bear the brunt of it.

    Glad you enjoyed Paddington

    Sending you hugs and a virtual very large glass of wine xx
    Virtual Sealed Pot 2018 £94.62
    Jan NSDs 4 Jan AFDs 6
    Weight loss 3/10LBS Emergency Fund £1685.31/£10,000
    April holiday £803.90/£803.90
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 12th Nov 17, 8:24 PM
    • 8,497 Posts
    • 48,217 Thanks
    please-let-me-be-lucky
    Bless you SA . Hugs and wine both well received Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in 2018 3/60
    Lbs lost 8.5/107.
    Savings for Florida £51.04/£1000
    • Hiddenidenity
    • By Hiddenidenity 12th Nov 17, 8:26 PM
    • 4,212 Posts
    • 26,520 Thanks
    Hiddenidenity
    Hugs being sent from Hidden household too x
    • pennywisepoundstupid
    • By pennywisepoundstupid 12th Nov 17, 8:29 PM
    • 4,568 Posts
    • 14,981 Thanks
    pennywisepoundstupid
    Hope things settle down PLMBL, sending lots of hugs your way x.
    Be mindful of your self-talk. It's a conversation with the Universe."
    Debt free and saving for my future
    Long term savings £10,000 Holiday spends £189.00 General savings £150.20
    Clothes challenge £250/£36.63
    • beanielou
    • By beanielou 12th Nov 17, 9:08 PM
    • 49,466 Posts
    • 185,994 Thanks
    beanielou
    Passes the wine.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 12th Nov 17, 9:29 PM
    • 8,497 Posts
    • 48,217 Thanks
    please-let-me-be-lucky
    Thanks all . Donít know where Iíd be without the diaries sometimes!
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in 2018 3/60
    Lbs lost 8.5/107.
    Savings for Florida £51.04/£1000
    • NoOneAround
    • By NoOneAround 13th Nov 17, 9:54 AM
    • 1,638 Posts
    • 7,882 Thanks
    NoOneAround
    I don't post often PLMBL but always supporting from behind the scenes
    Hugs
    NOA
    x
    Feb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/04/17 £66,996=7.62%PAID
    Mortgage Jan14=209,800 Jan15=£200,300 Jan17£180,700>OCT17 £173,200
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes
    Wombling Free Cash May2016 £51
    • October Starter
    • By October Starter 13th Nov 17, 10:34 AM
    • 653 Posts
    • 3,096 Thanks
    October Starter
    Thinking of you Lucky! Remember to look after you as well as the family.

    October xx
    Loan: 6100.00 4542.08 ~~ Credit Card: 4231.82 #20 Emergency Fund: £249.96/£1000 25%!
    LBM 1: (20.08.14) -£5000.00 LBM 2: (25.07.17) -£9750.00 October Goals NSDs: 0/10, Ibs Lost: 0/10, Xtr Income: £0/£50
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 13th Nov 17, 2:59 PM
    • 8,497 Posts
    • 48,217 Thanks
    please-let-me-be-lucky
    Thank you NOA and October Xx

    DH has continued with the waves today (day 4) and complete blanks (for example standing in the dark this morning because he couldnít remember how to switch the light on). He is still emotionally unstable, but today thatís been manifesting itself as crying which is better than anger.
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in 2018 3/60
    Lbs lost 8.5/107.
    Savings for Florida £51.04/£1000
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