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    • mumblingtaff
    • By mumblingtaff 6th Jun 15, 9:34 PM
    • 877Posts
    • 3,170Thanks
    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
    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.
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    • mumblingtaff
    • By mumblingtaff 25th Sep 16, 8:53 PM
    • 877 Posts
    • 3,170 Thanks
    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
    • 877 Posts
    • 3,170 Thanks
    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
    • 7,345 Posts
    • 47,484 Thanks
    Thank goodness MT.
    976 to pay =64% repaid
    RR 2016 #2 October 1.38 2016-39.59 2015- 84.20)
    Wombling Free 2016#5 1137.04 2015 1027.20
    NST October
    PAYDBX #7 1714.46/2,700 (64%)
    GC October 80/300
    • debtaghh
    • By debtaghh 27th Sep 16, 7:25 AM
    • 431 Posts
    • 1,114 Thanks
    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
    • 698 Posts
    • 1,208 Thanks
    Agree - brilliant news!!

    Crunch x
    June 2014 23,555 vs Now 11,600
    Debt Free Date WILL be Christmas 2017
    • crazy_cat_lady
    • By crazy_cat_lady 27th Sep 16, 7:06 PM
    • 2,894 Posts
    • 19,542 Thanks
    Fantastic news.
    NST Oct #1 NSD 9/14 DFD 6 Nov 15 - paid 28,447 Wombling '16 #28 (634.37) 3-6 month EF #101 a day for Christmas 2016 #32
    • triple choc chip
    • By triple choc chip 27th Sep 16, 7:06 PM
    • 727 Posts
    • 2,479 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: 624/732 85.25%
    #3 2 Savings Club 120/150 - Emergency fund 1.2k - House deposit 19.6k
    • smallholdingsister
    • By smallholdingsister 27th Sep 16, 7:15 PM
    • 2,419 Posts
    • 18,911 Thanks
    Great news!
    • MeandO
    • By MeandO 28th Sep 16, 8:40 AM
    • 873 Posts
    • 4,520 Thanks
    Great news MT! Think you had a lot of us lurkers silently rooting for you! x
    Debt Free

    "Life shrinks or expands in proportion to one's courage" - Anais Nin
    • joeyjimbles
    • By joeyjimbles 28th Sep 16, 11:50 AM
    • 1,457 Posts
    • 6,881 Thanks
    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
    • 519 Posts
    • 929 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
    • 487 Posts
    • 1,073 Thanks
    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!
    Nov 16 Barclaycard 350 0% First Direct 810 0% Parents 2095= 3255
    Oct 16 - Barclaycard 371 0% First Direct cc 840 0% Parents 2695 = 3906
    Sept 16 - Barclaycard 540 0% First Direct 870 0% Parents 2995 = 4405
    Car loan 5414 Mortgage 100,497
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