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  • FIRST POST
    • mumblingtaff
    • By mumblingtaff 6th Jun 15, 9:34 PM
    • 894Posts
    • 3,218Thanks
    mumblingtaff
    Need to get a grip and stop keeping up with the Joneses....
    • #1
    • 6th Jun 15, 9:34 PM
    Need to get a grip and stop keeping up with the Joneses.... 6th Jun 15 at 9:34 PM
    Hi,
    I have been a member under a different name for many years and have intermittently had various levels of debt - sometimes a lot, sometimes a little.
    I divorced in 2011 and 2 years ago started a new relationship with someone that makes me very happy but earns almost double what I earn. He's a lovely, generous person but is also not particularly careful with money. We don't live together (we both own our own homes with mortgages) but spend at least 3 nights a week under the same roof. This works for us and is unlikely to change in the foreseeable future.


    I work full time and earn a fairly good salary but have seemingly gone bonkers when it comes to spending in the last two years.....
    I think its mainly subconsciously to keep up with my partner although he has never asked for anything and doesn't expect this. In the past I've been the person earning most in my relationships and the fact that this isn't the case anymore seems to bother me more than it should - although I have only just realised this! I also underwent a dramatic career change around 6 years ago and took a salary cut of around 40% at the time although this has improved somewhat now as I have worked my way up in my new profession quite quickly. On paper I am a fairly intelligent person with a PhD but obviously often lack common sense! I should know better!


    I can still manage repayments and there's a good chunk of cash left after bills etc are paid each month but that seems to disappear into the ether somehow. This can't continue as I'll end up in real trouble.
    So, the time has come to get a grip and put a stop to it.....


    Welcome to my new diary attempting to get back to a sane level of spending before its too late.....
    Last edited by mumblingtaff; 06-06-2015 at 9:38 PM.
Page 68
    • mumblingtaff
    • By mumblingtaff 25th Sep 16, 8:53 PM
    • 894 Posts
    • 3,218 Thanks
    mumblingtaff
    Well, I have worked all day and evening and am finally feeling more on top of things (until tomorrow!)
    Got lots of difficult jobs out of the way and have written a load of reports and done tons of admin.

    Currently watching the darts before an early night finally in my own bed after what feels like a week away... I'm so rock and roll
    • mumblingtaff
    • By mumblingtaff 26th Sep 16, 9:29 PM
    • 894 Posts
    • 3,218 Thanks
    mumblingtaff
    Good news.... Been to hospital for an ultrasound and mammogram and it's all clear
    Massive relief - didn't realise how worried I was about it until I actually got there - very scary but it all turned out ok thankfully.

    Today was bonkers - work, hospital, back to work, long SLT meeting until 5.30, dog walk, generally tidying and email then finally flopped on the sofa for an hour before bed.
    Tomorrow is busy too but not quite as bad.....
    • Bobarella
    • By Bobarella 26th Sep 16, 10:18 PM
    • 8,050 Posts
    • 51,544 Thanks
    Bobarella
    Thank goodness MT.
    £790 to pay =70% repaid
    RR 2016 #2 December £2.32 2016-£55.16 2015- £84.20)
    Wombling Free 2016#5 £2,237.25 2015 £1027.20
    NST December
    PAYDBX #7 £1910.53/£2,700 (70%)
    • debtaghh
    • By debtaghh 27th Sep 16, 7:25 AM
    • 432 Posts
    • 1,117 Thanks
    debtaghh
    That's great news!
    Capital one balance to clear by 31st December 2016 £845/£1400

    Weight to lose by 31st October 2016 9bs/14lbs ( to weigh 10 stone 10lbs)
    • crunch_time
    • By crunch_time 27th Sep 16, 10:14 AM
    • 761 Posts
    • 1,447 Thanks
    crunch_time
    Agree - brilliant news!!

    Crunch x
    June 2014 £23,555 vs Now £10,500 (Loan)
    Smashed my credit card for the last time £1275 PAID OFF!!!
    Next up - Husbands Credit card £1461
    0% Credit card £950/£1096
    • crazy_cat_lady
    • By crazy_cat_lady 27th Sep 16, 7:06 PM
    • 3,005 Posts
    • 20,465 Thanks
    crazy_cat_lady
    Fantastic news.
    NST Dec #15 NSD 2/16 DFD 6 Nov 15 - paid £28,447 Wombling '16 #28 (£634.37)
    • triple choc chip
    • By triple choc chip 27th Sep 16, 7:06 PM
    • 750 Posts
    • 2,562 Thanks
    triple choc chip
    From one who was given the bad news and all that ensues, heartfelt relief, joy and best wishes from me to you for dodging the very worst that life could throw at you.
    Life's greatest satisfactions: Getting the last laugh, having the last word and paying the last instalment.
    Debt Free since 6.8.13
    Saving for Xmas 2016 #3: £692/£732 94.5%
    Saving for Xmas 2017 #3: £10/£650
    Emergency fund £1k - House deposit £20k
    • smallholdingsister
    • By smallholdingsister 27th Sep 16, 7:15 PM
    • 2,503 Posts
    • 19,524 Thanks
    smallholdingsister
    Great news!
    • MeandO
    • By MeandO 28th Sep 16, 8:40 AM
    • 886 Posts
    • 4,567 Thanks
    MeandO
    Great news MT! Think you had a lot of us lurkers silently rooting for you! x
    Debt Free
    Mortgage at 24/11/2016: £97,000
    Mortgage now: £87,886.42

    "Life shrinks or expands in proportion to one's courage" - Anais Nin
    • joeyjimbles
    • By joeyjimbles 28th Sep 16, 11:50 AM
    • 1,495 Posts
    • 7,054 Thanks
    joeyjimbles
    Delighted to hear you got good news, and you've had scans and things so you know that you're ok.

    Raining up here and getting chilly, don't want to think about putting the heating on but I can tell it won't be long before we start having those discussion.
    • When the going gets tough
    • By When the going gets tough 16th Oct 16, 5:50 PM
    • 525 Posts
    • 947 Thanks
    When the going gets tough
    Hi MT just checking in to see if you are OK. I always love your posts as yyou are so energetic and organised - I feel like a couch potato besides you. Hope everything is well in your world and you are just busily engaged with real life.
    • louby40
    • By louby40 16th Oct 16, 6:42 PM
    • 559 Posts
    • 1,321 Thanks
    louby40
    Yes, I too have wondered if all is ok with you.

    I know how caught up in school teachers can get - hope you're not working too hard!
    Dec 16 Barclaycard £73 0% First Direct £1179 0% Parents £2125=£3377
    Nov 16 Barclaycard £73 0% First Direct £1179 0% Parents £2425= £3677
    Sealed Pot Challenge 10 #572
    Car loan £5024 Mortgage £99,720
    • reality_check
    • By reality_check 27th Oct 16, 11:56 PM
    • 383 Posts
    • 617 Thanks
    reality_check
    Me three with hoping all is well! I love your posts and when I compare my day to what yours is like I would sound like a right slob!! xx
    • crazy_cat_lady
    • By crazy_cat_lady 28th Oct 16, 9:55 AM
    • 3,005 Posts
    • 20,465 Thanks
    crazy_cat_lady
    Miss you MT
    NST Dec #15 NSD 2/16 DFD 6 Nov 15 - paid £28,447 Wombling '16 #28 (£634.37)
    • louby40
    • By louby40 20th Nov 16, 8:26 PM
    • 559 Posts
    • 1,321 Thanks
    louby40
    Really hope she's ok!

    She hasn't posted in ages
    Dec 16 Barclaycard £73 0% First Direct £1179 0% Parents £2125=£3377
    Nov 16 Barclaycard £73 0% First Direct £1179 0% Parents £2425= £3677
    Sealed Pot Challenge 10 #572
    Car loan £5024 Mortgage £99,720
    • mumblingtaff
    • By mumblingtaff 22nd Nov 16, 10:04 PM
    • 894 Posts
    • 3,218 Thanks
    mumblingtaff
    HELLO!!!!!
    I'm back

    Massive apologies for my absence - only just realised that some of you had posted concern - I'm fine, just real life and work took over my world for a month or two. Didn't realise how long it's been since I last posted.
    So what's happened?
    My new job sees me working 6 days a week for up to 14 hours a day some days, the little spare time I have has been spent with OH and looking after the ageing pooch.

    Its dawned on me that I need to try to make some time for other things now that I'm established in my new position at work. So here I am !

    Money wise, there's not a lot to report, things are just plodding on pretty much as before - my salary is now quite good and I can save a fair wodge of cash each month and pay everything off as needed. I get paid next week so will do a full run down of finances then.

    With regards to OH, there's been more ups than downs recently so things are ticking along ok there.

    In an effort to get back to proper money saving ways I've checked the banking tonight and planned out what's left to payday in a week, cooked up some bits in the fridge that would need chucking if not cooked today (they'll be ok for another couple of days now), and written a little shopping list for provisions for my family who are visiting this coming weekend. Need to get back in the groove

    Will do a proper post soon but am off to bed soon as I get up at 5.30....not great ...

    Xxx
    • MeandO
    • By MeandO 23rd Nov 16, 9:25 AM
    • 886 Posts
    • 4,567 Thanks
    MeandO
    Nice to see you back MT, sounds like work is intense, don't go burning yourself out xx
    Debt Free
    Mortgage at 24/11/2016: £97,000
    Mortgage now: £87,886.42

    "Life shrinks or expands in proportion to one's courage" - Anais Nin
    • Bobarella
    • By Bobarella 23rd Nov 16, 1:47 PM
    • 8,050 Posts
    • 51,544 Thanks
    Bobarella
    Yes I second that. Glad to see you again.
    £790 to pay =70% repaid
    RR 2016 #2 December £2.32 2016-£55.16 2015- £84.20)
    Wombling Free 2016#5 £2,237.25 2015 £1027.20
    NST December
    PAYDBX #7 £1910.53/£2,700 (70%)
    • joeyjimbles
    • By joeyjimbles 23rd Nov 16, 1:48 PM
    • 1,495 Posts
    • 7,054 Thanks
    joeyjimbles
    Yay, glad that you're ok and things are going well - even if you are monumentally busy. Its lovely to see you posting on here - you've been missed. Hope you've got this beautiful sunshine that we have up here today.
    • mumblingtaff
    • By mumblingtaff 23rd Nov 16, 6:27 PM
    • 894 Posts
    • 3,218 Thanks
    mumblingtaff
    Thank you all for the welcome back - it's nice to have been missed.

    Bit of a mad day today but managed to escape at 3.30 to walk the dog in daylight for the first time in ages during the working week. He seems perkier for it too - poor woofer is turning into a little vampire only going out under the cover of darkness.....

    Have been good and used up the chicken I cooked last night in a curry for tea tonight with another portion for the freezer - I started eating just chicken (was a strict veggie for almost 30 years) a month or two ago as I was really run down and had deficiencies galore according to the doctor. But, I only eat chicken, I don't like any other meat or poultry - or at least I don't think I like them - 30 years is a long time to remember what things taste like! I couldn't face any red meat or pork - still too much of a stretch for me - and haven't eaten a turkey Xmas dinner since I was 16 - still not sure about that.....

    Have quickly whizzed the Hoover round since bring home as the dog brought half the park home with him and need to clean the bathrooms tomorrow but otherwise am fairly ready for the family onslaught on Friday . It's the annual Xmas shopping outing for mum, sister and, begrudgingly, me this weekend. Not looking forward to it, especially as I've realised its Black Friday weekend
    Needs must though - will make them happy.
    I popped to the little local tesco on the way back from the park and picked up a few bits for the visitors (we tend to eat out) using some clubcard vouchers and a bit of cash. I've gone past worrying about going perfect for visitors these days - if the house is clean and they have clean bedding and something to eat that's good enough for me

    Just one more teaching day this week to go - it's inset on Friday so no thinking or preparation required thankfully,
    Might pop over to OHs later on - will speak to him in a moment and see how he's feeling - he had a bad end to the work day and may rather be left to his own devices - have learned not to press issues , he's better off left to himself when he gets irritated or upset by something. That way we get along much better and there's no arguments or anyone in a huff.

    Right, the dog needs a wee so better be off xx
    Last edited by mumblingtaff; 23-11-2016 at 8:01 PM.
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