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  • FIRST POST
    • safehouse
    • By safehouse 25th May 15, 7:13 PM
    • 589Posts
    • 1,478Thanks
    safehouse
    one day at a time
    • #1
    • 25th May 15, 7:13 PM
    one day at a time 25th May 15 at 7:13 PM
    I am a 49 year old mother of one DS, I have a mortgage of 100,000 on my detached bungalow and a few other debts CC etc of approx 5,000 or less..................
    We have a quite successful business (for now anyway)………
    My OH is a functioning alcoholic, (there I said it), too look at him you would never know, and probably never believe it. When sober there isn't a better man walking, he is a hard worker, kind, considerate and a fantastic father. When he drinks, which is most evenings he can be all of the opposite. Don't get me wrong we do sometimes still have good days, especially when OH is on the wagon, but many more bad than good....
    I have been trying now for years to help my OH with his problem, his health has suffered but he refuses to stop. Xmas 2015 gave me the strength to take a massive step backwards, I am exhausted with it him mentally and physically, not to mention the affect this was having on my DS.
    OH can only help himself, it is not my duty and it has taken me a long time for me to accept this, but I finally have................I am now putting myself and my rock my DS first.
    Future protection in mind, I have been saving without his knowledge now for roughly 10 years scrimping with the intention of paying off our mortgage "My life the last 10 years have given me a terrible fear of being homeless to the point of constant nightmares".....To my amazement I have managed to secretly save £63,550 to date....
    These are my reasons for wanting to pay my mortgage off as quickly as possible, I have no idea how long my OH will manage to carryon working or how much longer before our little business will crumble or how long the relationship will take the strain, I just know by focusing on saving for our future and my little house I get back a sense of control which helps get me through each week.
    I also have a diary to help keep me in check when tempted to spend and a place to throw out my emotions when I feel like I am falling backwards…………………


    DS 270…. CC 3,950 …. Mortgage £100,000 /£63,550 paid £36,450 remaining….Xmas Hols £40.00
    Last edited by safehouse; 04-04-2016 at 7:04 AM.
Page 35
    • safehouse
    • By safehouse 9th Sep 16, 3:45 PM
    • 589 Posts
    • 1,478 Thanks
    safehouse
    Hi TG....you really have done a marvelous job getting so much done in such a short space of time looks like you also need to take things easy, we should take each others advice Lol
    .... My OH takes on property refurbishments, painting, plumbing etc. Normally we would pay a cleaning company from anything from £60 basic clean per property and well over if wanting a deep clean...ie windows, carpets etc. This is totally depending on the state of the previous tenants have left them, I have been doing the cleaning myself on our properties which led to me also getting work from a large letting agency, I would advise you to pay the extra and get a deep clean on the property, well worth it....saying that I am the worlds worse OCD sufferer, even have a draw filled with marigolds...how sad is that??
    • TallGirl
    • By TallGirl 9th Sep 16, 4:10 PM
    • 3,819 Posts
    • 7,996 Thanks
    TallGirl
    Thanks that's really useful yes I needs Windows doing but everything is freshly painted and two new carpets but wooden floors in the rest. I'm hoping my letting agent will know of a local company just wanted a ball park figure thanks
    New start new beginnings
    • safehouse
    • By safehouse 13th Sep 16, 2:25 PM
    • 589 Posts
    • 1,478 Thanks
    safehouse
    Well I raided my mortgage savings and £50 paid off Argos store card, £420 paid off Barclay card CC and a massive £800 paid off my Argos CC (card cut up) ...........wow combined CC balance left to pay is now £2,950.
    Mortgage savings reduced quite abit but not to worry, cant have it both ways.............
    Just found out this morning that all overtime and hours are to be cut at work....not sure how badly this will effect me financially but not looking great, should find out more by Friday...............
    OH has been very well behaved "Ooh no, I know I will now eat my words"....working all hours even the weekend, nice to have a peaceful few days...long may it reign
    DS nervous has his university start on Friday only one day induction really, but he sooo wants to make a good impression.
    Garden still ongoing project.... council not finishing till end of the week....starting to take shape


    A.. store Card £350 /CC B £1,000/ CC S £1,600/ CC A £0 PAID....£2,950 total …. Mortgage £100,000 /£69,600 paid £29,400 remaining…(**Total 69,600**)........
    Last edited by safehouse; 13-09-2016 at 2:28 PM.
    • Bobarella
    • By Bobarella 13th Sep 16, 6:37 PM
    • 7,104 Posts
    • 46,351 Thanks
    Bobarella
    Good luck to DS this week Safehouse. And well done on your huge payments.
    £1025 to pay =62% repaid
    RR 2016 #2 September £3.17 2016-£36.36 2015- £84.20)
    Wombling Free 2016#5 £1028.01 2015 £1027.20
    NST September 3 3/16
    PAYDBX #7 £1665.46/£2,700 (62%)
    GC Sept £217.42/£300
    • safehouse
    • By safehouse 14th Sep 16, 7:57 AM
    • 589 Posts
    • 1,478 Thanks
    safehouse
    Thanks Bobarella.....Xx
    Very foggy and dull this morning.............looks almost ghostly outdoors...
    On a roll, had a really good feeling paying off those dreaded cards yesterday, especially the cutting up part Lol...wages and over time money paid in bank this morning and with mortgage savings raided again have managed to slice another £250 paid off store card...only £100 left to pay (should have this one finished next week) and £250 paid off Barclay-card....mortgage savings have reduced again as expected but Ill soon get them back up again, especially now my interest payments on CC will disappear.....

    A.. store Card £100 /CC B £750/ CC S £1,600/ CC A £0 PAID....£2,450 total …. Mortgage £100,000 /£69,340 paid £29,660 remaining…(**Total 69,340**)........
    • Bobarella
    • By Bobarella 14th Sep 16, 6:48 PM
    • 7,104 Posts
    • 46,351 Thanks
    Bobarella
    We had the opposite. 3rd searing hot day in a row.
    £1025 to pay =62% repaid
    RR 2016 #2 September £3.17 2016-£36.36 2015- £84.20)
    Wombling Free 2016#5 £1028.01 2015 £1027.20
    NST September 3 3/16
    PAYDBX #7 £1665.46/£2,700 (62%)
    GC Sept £217.42/£300
    • safehouse
    • By safehouse 15th Sep 16, 7:29 AM
    • 589 Posts
    • 1,478 Thanks
    safehouse
    Sleeping in is becoming a very bad habit of mine, more clouds Bobs but don't mind..............stressed this morning, meeting at work and should find out out if hours/wages are being cut.
    OH is also stressed beyond belief.... this never ending job and we will be lucky to just about break even financially, could even result in a loss, not to mention very fussy customers who are trying to get all extra works done for free....for now he is coping without the usual crutch, but after years of experience, I have a gut feeling this is all going to come to an explosive end...
    DS is stressed as uni tomorrow , new people, new tutors, new building ......Yes we are a very stressed family today...only molly moo laying there without a care in the world, "a dogs life Lol"
    Need to get off my backside ...council finishing garden today and skip due to be plonked on my drive at any time..................... so off I go.
    Maybe by this evening everything will look so much rosier Xx

    A.. store Card £100 /CC B £750/ CC S £1,600/ CC A £0 PAID....£2,450 total …. Mortgage £100,000 /£69,340 paid £29,660 remaining…(**Total 69,340**)........
    Last edited by safehouse; 15-09-2016 at 8:26 AM.
    • TallGirl
    • By TallGirl 15th Sep 16, 8:20 AM
    • 3,819 Posts
    • 7,996 Thanks
    TallGirl
    Chin up hope it will all be ok at least it's a nice sunny hot day.
    • safehouse
    • By safehouse 15th Sep 16, 3:29 PM
    • 589 Posts
    • 1,478 Thanks
    safehouse
    Thanks TG chin is now up............pulled myself together...no more grumbles

    Right ....hours at work cut in half...plan of action.... not to get down about it, instead will pull my finances in even tighter and look for a second job else were...anyway might be nice to have a few weeks off first and enjoy the break. Havent worked out what I will lose, head in sand will look into financial side of it all later..........
    DS has perked up about Uni tomorrow still nervous ....but he will be fine.
    OH even seemed lots more positive around lunch time....will it last till teatime? Lol
    Just sold large bird cage on gummy tree, had stored in shed £30 richer today ..plonked £20 into mortgage fund..

    A.. store Card £100 /CC B £750/ CC S £1,600/ CC A £0 PAID....£2,450 total …. Mortgage £100,000 /£69,360 paid £29,640 remaining…(**Total 69,360**)........
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 15th Sep 16, 3:39 PM
    • 7,545 Posts
    • 41,031 Thanks
    please-let-me-be-lucky
    This time of year is great for getting a Christmas temp job and then hopefully being kept on Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in September- 3
    • Bobarella
    • By Bobarella 15th Sep 16, 10:02 PM
    • 7,104 Posts
    • 46,351 Thanks
    Bobarella
    Blimey sorry to hear about your hours hon.
    £1025 to pay =62% repaid
    RR 2016 #2 September £3.17 2016-£36.36 2015- £84.20)
    Wombling Free 2016#5 £1028.01 2015 £1027.20
    NST September 3 3/16
    PAYDBX #7 £1665.46/£2,700 (62%)
    GC Sept £217.42/£300
    • safehouse
    • By safehouse 16th Sep 16, 7:28 AM
    • 589 Posts
    • 1,478 Thanks
    safehouse
    Thanks Guys Xx..... gutted when I found out especially as my mortgage savings will suffer but trying to be optimistic as one door closes and all that....
    Will do a food check today, freezer well stocked...so £10 spend only on essentials this week....milk etc.
    Also will be looking for sell-able for Teabay.
    Oh £40 spend on store card electric saw for OH needed but annoying....

    Time ticking better get DS out of bed first day at Uni ...I think I am more stressed than him...........

    A.. store Card £140 /CC B £750/ CC S £1,600/ CC A £0 PAID....£2,450 total …. Mortgage £100,000 /£69,360 paid £29,640 remaining…(**Total 69,360**)........
    Last edited by safehouse; 16-09-2016 at 10:11 PM.
    • safehouse
    • By safehouse 17th Sep 16, 4:59 PM
    • 589 Posts
    • 1,478 Thanks
    safehouse
    £60 paid into mortgage this morning ...£40 saved by keeping food shop to a minimum ..all next week meals planned from freezer. The other £20 I have managed to scrape together from missing my bingo night last Monday and a very frugal boring week.............
    DS had a good day at Uni, meeting all the other students who all seemed quite nice seems to have taken the stress levels down.
    Have been working in the garden all afternoon, Council seem to have done a disappearing act all last week ....
    snuggled on sofa thinking time for nice little nap.

    A.. store Card £140 /CC B £750/ CC S £1,600/ CC A £0 PAID....£2,450 total …. Mortgage £100,000 /£69,420 paid £29,580 remaining…(**Total 69,420**)........
    Last edited by safehouse; 17-09-2016 at 5:01 PM.
    • safehouse
    • By safehouse 21st Sep 16, 2:59 PM
    • 589 Posts
    • 1,478 Thanks
    safehouse
    Been busy, busy last few days, garden nearing an end.... when the council lads leave around 2pm, Ive been sneaking out with my handsaw and cutters in hand and spending the afternoons hacking away more branches, anyway all garden rubbish piled into 4 ginormous piles and skip getting delivered early tomorrow morning.. thinking one skip might not be enough. 6 panels of fencing have fallen down....trees must have been holding them up Lol. I have reluctantly deducted £200 from my savings looks like we will now have to buy new fencing and posts, they are in a terrible state, wasn't visible before with all the over growth...........not complaining, I dread to think how much this would have cost me if I were to get a private company in. Not sure what to do with it now though looks soooo bare, bit like a football pitch with 4 giant mounds, might look better when tidy and new fence all .painted..........might even invest in a nice second hand garden shed on gummytree....I can lock OH in it when he starts getting up to his usual tricks Lol

    A.. store Card £140 /CC B £750/ CC S £1,600/ CC A £0 PAID....£2,450 total …. Mortgage £100,000 /£69,120 paid £30,880 remaining…(**Total 69,120**)........
    • safehouse
    • By safehouse 22nd Sep 16, 6:38 AM
    • 589 Posts
    • 1,478 Thanks
    safehouse
    NSD yesterday....
    OH still having problems with the what must be the worst job he has took on in his whole career, "worked out all the materials and manpower costs last night and now working at a loss" Big mistake on our side and seriously under quoted"...............we will just have to motor on, chipping away at it. With the added pressure of my hours being cut at work I am hoping my mortgage savings don't suffer to badly as a result.
    I need to cut our finances even closer to the bone, so going to try and have fencing repaired instead of forking out for new, "persuade OH to have a go hmm , he is more than capable " its mainly the top stats which have suffered the damage and I have some fencing paint and brushes in garage, so I could do that job.....hate having to pay for repairs when it could cost us half the price.
    Also I have a voucher for M&S £40 thinking I could use this for next weeks shopping " we probably won't get half a trolley full, but all helps...
    Have pair of boots to list on Teabay, hoping they will top atleast £20........
    Oh well atleast my CC have reduced dramatically



    A.. store Card £140 /CC B £740/ CC S £1,600/ CC A £0 PAID....£2,450 total …. Mortgage £100,000 /£69,120 paid £30,880 remaining…(**Total 69,120**)........
    Last edited by safehouse; 22-09-2016 at 6:40 AM.
    • Skinnylatte
    • By Skinnylatte 22nd Sep 16, 9:52 AM
    • 1,023 Posts
    • 4,218 Thanks
    Skinnylatte
    Challnging times SH, but your doing wonderfully well. don't lose sight of that, better times are to come xx
    Mortgage @ 12/04/2015 £136121 £130,178.90 4.37%
    Mortgage free day April 2033
    Emergency Pot £2250/£6000 36.7%
    CC Balance
    £5,221.67 0% Aug 2017...Planned expense for home improvements
    LBM 02/06/2013 £21595 Debt Free Day 27/03/2015


    • safehouse
    • By safehouse 22nd Sep 16, 6:01 PM
    • 589 Posts
    • 1,478 Thanks
    safehouse
    Oooh Thankyou Skinny....hope so, happened for you, maybe I am next in the queue, just wish they would blooming hurry up Lol....
    • Bobarella
    • By Bobarella 22nd Sep 16, 6:49 PM
    • 7,104 Posts
    • 46,351 Thanks
    Bobarella
    I'm sorry to hear about the stress of the business on you both. It's awful to feel you are working for nothing.
    £1025 to pay =62% repaid
    RR 2016 #2 September £3.17 2016-£36.36 2015- £84.20)
    Wombling Free 2016#5 £1028.01 2015 £1027.20
    NST September 3 3/16
    PAYDBX #7 £1665.46/£2,700 (62%)
    GC Sept £217.42/£300
    • safehouse
    • By safehouse 23rd Sep 16, 8:52 AM
    • 589 Posts
    • 1,478 Thanks
    safehouse
    Thanks Bobarella......getting slightly worried, I could cope with my mortgage savings coming to a stand still for a while but not prepared for it slipping backwards........................
    Also just found out OH has missed almost 1,500 merchant invoices (have taken all cheque books, cards etc from him and giving him petrol and a little pocket money on a daily basis....Yep treating him like a child ).Really shouldn't have given back the responsibility, he is not capable of keeping on top of the financial side of the business and I knew that....this is not the first time this has happened, so annoyed with myself truth be told, cant understand how I missed it .
    Good points are a very well paid job in the pipeline and OH has been on the wagon and getting up and out for work 7am every morning this week "might have something to do with him being in the dog house...oh and having no cash for the usual".......he seems sorry enough, but I need to smarten up and stop falling back into old mistakes, I will be sleeping with one eye open before long....it can be so draining .
    Anyway woke this morning and happy our garden skip hasn't been filled with an old mattress or kitchen sink etc ..........need to get those lads a nice pressy today they will be due to finish in a few days....something good to focus on
    • Bobarella
    • By Bobarella 23rd Sep 16, 10:53 PM
    • 7,104 Posts
    • 46,351 Thanks
    Bobarella
    So what does that mean? He hasn't been invoicing for jobs?
    £1025 to pay =62% repaid
    RR 2016 #2 September £3.17 2016-£36.36 2015- £84.20)
    Wombling Free 2016#5 £1028.01 2015 £1027.20
    NST September 3 3/16
    PAYDBX #7 £1665.46/£2,700 (62%)
    GC Sept £217.42/£300
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