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  • FIRST POST
    • Kitten868
    • By Kitten868 15th Nov 15, 9:23 PM
    • 770Posts
    • 1,368Thanks
    Kitten868
    Daring Myself to do this
    • #1
    • 15th Nov 15, 9:23 PM
    Daring Myself to do this 15th Nov 15 at 9:23 PM
    I keep daring myself to do this then talking myself out of this. Here goes...
    Happy wife and mummy of two beautiful girls. Things have changed again for me. Hubby has 6 month deployment coming up and then we are moving to base (have been living near family). Doing this means I have to give up work and I'm pooing my pants because I have this long to become DF. I can't be unemployed and in debt.
    I had my LBM whilst heavily pregnant and so far paid off about £3000. £6000 to go. Don't know how to do this. I've sold everything and still on smp til March.
    Plus big dilemma. Sell the flat or rent it out? Better to sell short term but better long term to keep it. Urgh! If we're even allowed.
    So cataloging here to feel like I'm making some sort of progress. Been lapsing this month
    Anyway hope I don't bore you all to tears xxx
    Loan 1 £7700/£8000
    Loan 2 £5700/£5800
    Total £13400/£13800
Page 20
    • Kitten868
    • By Kitten868 21st Sep 16, 7:29 PM
    • 770 Posts
    • 1,368 Thanks
    Kitten868
    Oh thank you all. Helped me put things
    Loan 1 £7700/£8000
    Loan 2 £5700/£5800
    Total £13400/£13800
    • Kitten868
    • By Kitten868 21st Sep 16, 7:40 PM
    • 770 Posts
    • 1,368 Thanks
    Kitten868
    Whoops. Never mind. Helped me get perspective back. We wanted a fixer upper. Admittedly we can't afford one that's done. Me and hubby are excited to fix it. And what's more pretty houses are just at risk of things going wrong as ugly houses. At least we went in eyes open and no guilt ripping up the floor to check the electrics. It's perfect. It's just a shame we have no money to fix it up but does mean we will take the time to really think about what we want. Plus I'll have to spend money so at least that means quidco. Thats one money saving thing i struggle with as i always did have points and vouchers for Christmas and now I don't spend money I don't get them anymore. BUT for our new mortgage we get £1000 cash back so that's fab to have that money to sort out the safety issues serious score.
    Hope you're all doing well. Thank you for popping in xxxx
    Loan 1 £7700/£8000
    Loan 2 £5700/£5800
    Total £13400/£13800
    • Kitten868
    • By Kitten868 26th Sep 16, 9:11 PM
    • 770 Posts
    • 1,368 Thanks
    Kitten868
    So we've moved out and I'm at my mum's. On completion day the new owners actually turned up and told us to hurry up. Unbelievable. Still no further forward. I am trying though. The company want us to hurry up and exchange when their solicitors holding things up.
    Just want the next part of our lives to begin now. It's exciting and scary but if we start it stops being scary and we just start doing it. I've been picking out tiles and bathroom suites picking it out now so I can find the cheapest deals when the time comes. Before you declare me un-mse the current suite is from the 50s. Getting excited to quidco my new bills. And everything else.
    The move has also taught me that I have not decluttered anywhere near enough. I thought I did brilliantly. No chance. Efforts must be doubled. At least.
    Could have gone mad today in Wilkinsons. All such lovely stuff. Didn't spend a bean though.
    Xxx
    Loan 1 £7700/£8000
    Loan 2 £5700/£5800
    Total £13400/£13800
    • chanie
    • By chanie 27th Sep 16, 8:48 PM
    • 1,288 Posts
    • 5,491 Thanks
    chanie
    I hope you get to exchange soon Kitten. Maybe you should threaten to pull out if you don't exchange soon, that may put the frighteners on the vendor.

    You should absolutely look at new fixtures and fittings for your home. There is always a sale on!!!! I'd recommend avoiding b&q and homebase and try independent specialist shops. For example, when we were looking for a new back door, b&q wanted over £200 and a friend suggested we go to a door specialist on an industrial estate which was well under half the price.
    2016 challenge to save £500
    Direct savings £559.51
    Indirect savings £26.60

    Roadkill Rebels #23: £12.36
    • chanie
    • By chanie 15th Oct 16, 9:30 PM
    • 1,288 Posts
    • 5,491 Thanks
    chanie
    Have you exchanged yet?
    2016 challenge to save £500
    Direct savings £559.51
    Indirect savings £26.60

    Roadkill Rebels #23: £12.36
    • Kitten868
    • By Kitten868 16th Oct 16, 8:20 AM
    • 770 Posts
    • 1,368 Thanks
    Kitten868
    No! Still at my mums. And I'm sulking big time. I'm going round the bend. Don't seem to be saving any money either. Mainly as they took the mortgage out of my account I've been making loads of complaints to everyone. Leaving the flat has caused so many issues with suppliers. Keep trying to charge me for the new owners usage. Grr. Doing well with compensation though. Counting down the days to payday and my mortgage goes back into my account.
    Hope everyone else is doing well. X
    Loan 1 £7700/£8000
    Loan 2 £5700/£5800
    Total £13400/£13800
    • Kitten868
    • By Kitten868 27th Oct 16, 3:07 PM
    • 770 Posts
    • 1,368 Thanks
    Kitten868
    Few tumbleweeds blowing through here. I don't come on my own diary because I feel like a fraud. I can't stay mse because hubby spends left right and centre and I can't keep track of the budget. And just having him in the country seems to cost much more on food etc.
    I'm already getting ants in my pants about Christmas. Doing well getting bargains for my girls. Hubby seems to have an ever expanding list of stuff he wants.
    We still havent exchanged so I am increasingly stressed about that.
    Hope youre all doing well xxx
    Loan 1 £7700/£8000
    Loan 2 £5700/£5800
    Total £13400/£13800
    • kirtsypoos
    • By kirtsypoos 27th Oct 16, 3:19 PM
    • 1,776 Posts
    • 6,700 Thanks
    kirtsypoos
    Sorry about the lack of exchange Kitten, must be driving you mad now!

    Is hubby aware of the impact his spending will be having on you, and how well you've done whilst he's been away? Perhaps he needs an allowance to keep him on track? Whatever works for you really. It's my main reason for keeping our finances separate apart from our joint 'household' account - I'd go mad if I could see his bank account I'm sure!

    Chin up - all will be well xx
    £2025/3000 OH BC(32.50% PAID) £1600/3851 B/C (58.45% PAID)
    £540/1000 Tesco (46% PAID) MBNA £3400/3795.64 (10.42% PAID)
    PAID VERY, Barclaycard, Vanquis, Natwest, O/D & MBNA PAID
    LBM 24/07/15 - Debt: £7565/31010.23 (75.60% paid)
    Mortgage - £85,000.00 (O/P £666.48 so far) PAYDBX 16 #006 - £14957.15/£10000
    • Kitten868
    • By Kitten868 7th Nov 16, 8:43 PM
    • 770 Posts
    • 1,368 Thanks
    Kitten868
    We've exchanged! Exchanged Friday. Get the keys 18th. Feel relieved but at the same time indifferent. I don't believe it's going to happen. Plus the added issue in the mix is that hubby is not going to be around. Not at weekends. Nothing. He's got the completion day off and that's it. He'll be there to put all our stuff in which is something I guess. I've got some time off to crack on with cleaning it all. And hopefully decorate baby's room and be around for workmen. All very exciting but i don't want to do it alone. I like us doing everything as a team. But no change there I guess.
    I'm going a bit Christmas bargain nuts and spending. Only buying bargains. It's just tough as I can't not spend for Christmas. I just get over excited with it.
    Hope you're all doing well too xxx
    Loan 1 £7700/£8000
    Loan 2 £5700/£5800
    Total £13400/£13800
    • fru-girl
    • By fru-girl 7th Nov 16, 11:12 PM
    • 105 Posts
    • 252 Thanks
    fru-girl
    Congrats kitten, must be such an exciting time for you! I remember it quite well, even though it's been a while... good luck with the move, so much work!
    • kirtsypoos
    • By kirtsypoos 8th Nov 16, 9:13 AM
    • 1,776 Posts
    • 6,700 Thanks
    kirtsypoos
    How exciting!! Congratulations Kitten!

    It's all the exciting stuff now, and I'm sure you'll be excited to show hubby the things you've achieved over weekends. Plus you're WonderKitten , you'll be like a whirlwind and get everything sorted.

    It's killing me not to buy anything for Christmas. We've made a deal that if we don't complete before Christmas we are putting Xmas on hold until January. You can't resist a bargain and definitely not with little ones xx
    £2025/3000 OH BC(32.50% PAID) £1600/3851 B/C (58.45% PAID)
    £540/1000 Tesco (46% PAID) MBNA £3400/3795.64 (10.42% PAID)
    PAID VERY, Barclaycard, Vanquis, Natwest, O/D & MBNA PAID
    LBM 24/07/15 - Debt: £7565/31010.23 (75.60% paid)
    Mortgage - £85,000.00 (O/P £666.48 so far) PAYDBX 16 #006 - £14957.15/£10000
    • Kitten868
    • By Kitten868 10th Nov 16, 9:01 PM
    • 770 Posts
    • 1,368 Thanks
    Kitten868
    Trying to organise utilities for the new place is proving great fun. Where its a repossession all the utilities are in arrears so the call handlers go silent and try to put me on hold. The final result is nothing can be done until completion date but i can turn it all on so that's good. Bit of an issue is that I can't clean as there's no hot water as having a bit of a war with BG. But it'll all be great once i find the box with the kettle in lol. Hopefully will get in very soon. Just got to get it cleaned up for my girls. We are approaching the final hurdle now. And we get to see if i can paint. I can paint a portrait in acrylic so we shall see. Haven't worked out what colours to put together. Pink and cream?
    I'm not doing my debt busting properly now as i need to get the home safe and liveable first but as mse as possible. Wish me love xxx
    Loan 1 £7700/£8000
    Loan 2 £5700/£5800
    Total £13400/£13800
    • Kitten868
    • By Kitten868 10th Nov 16, 9:13 PM
    • 770 Posts
    • 1,368 Thanks
    Kitten868
    Haha no wish me luck! Stupid autocorrect x
    Loan 1 £7700/£8000
    Loan 2 £5700/£5800
    Total £13400/£13800
    • kirtsypoos
    • By kirtsypoos 10th Nov 16, 10:53 PM
    • 1,776 Posts
    • 6,700 Thanks
    kirtsypoos
    Wishing you lots of luck Kitten! I'm so excited for you x
    £2025/3000 OH BC(32.50% PAID) £1600/3851 B/C (58.45% PAID)
    £540/1000 Tesco (46% PAID) MBNA £3400/3795.64 (10.42% PAID)
    PAID VERY, Barclaycard, Vanquis, Natwest, O/D & MBNA PAID
    LBM 24/07/15 - Debt: £7565/31010.23 (75.60% paid)
    Mortgage - £85,000.00 (O/P £666.48 so far) PAYDBX 16 #006 - £14957.15/£10000
    • jwil
    • By jwil 11th Nov 16, 2:11 PM
    • 7,165 Posts
    • 19,473 Thanks
    jwil
    Congratulations Kitten, that's great news and very exciting
    Pay off £10k in 2016 - £8300/£10,000

    The Great Declutter 2016: 3330 items

    "If you can dream it, you can do it". Walt Disney
    • Kitten868
    • By Kitten868 11th Nov 16, 9:20 PM
    • 770 Posts
    • 1,368 Thanks
    Kitten868
    I feel confident that I'm ready for the move. I need white gloss, cream paint and clingfilm and then i think I'm done. Probably some bleach too but you always need more bleach lol.
    I've applied for dd1s school place too. War with bg should be over tomorrow fingers crossed. I think we should be ready to move in on Wednesday. Other people dont believe me but why not? I have 5 days to get on with everything so I think i can paint 2 rooms too.
    Need to change my sig as my debt is totally different now. None on credit cards. Just 2 loans between us both.
    Hope you're all doing well. Come on come on come on!!! X
    Loan 1 £7700/£8000
    Loan 2 £5700/£5800
    Total £13400/£13800
    • kirtsypoos
    • By kirtsypoos 12th Nov 16, 12:12 PM
    • 1,776 Posts
    • 6,700 Thanks
    kirtsypoos
    You're like a whirlwind Kitten, don't doubt you'll be in and sorted when you say
    £2025/3000 OH BC(32.50% PAID) £1600/3851 B/C (58.45% PAID)
    £540/1000 Tesco (46% PAID) MBNA £3400/3795.64 (10.42% PAID)
    PAID VERY, Barclaycard, Vanquis, Natwest, O/D & MBNA PAID
    LBM 24/07/15 - Debt: £7565/31010.23 (75.60% paid)
    Mortgage - £85,000.00 (O/P £666.48 so far) PAYDBX 16 #006 - £14957.15/£10000
    • Kitten868
    • By Kitten868 16th Nov 16, 9:59 PM
    • 770 Posts
    • 1,368 Thanks
    Kitten868
    Signature is updated. New totals are for both of us. Copious lists have been written out. I think I'm ready for the move. Still need to buy fire/co2 alarms, secateurs, new locks and clingfilm. One woman on a mission. Got my childcare and I'm raring to go. All very exciting. Getting way too obsessed with grey paint and YouTube how to videos.
    Hope you're all doing well xxx
    Loan 1 £7700/£8000
    Loan 2 £5700/£5800
    Total £13400/£13800
    • kirtsypoos
    • By kirtsypoos 17th Nov 16, 9:10 AM
    • 1,776 Posts
    • 6,700 Thanks
    kirtsypoos
    I bet you can't wait Kitten! So exciting!

    Had to laugh at you with the grey paint - OH thinks I would paint every room grey if I could....he's probably right

    Hope all goes nice and early tomorrow for you so you can get cracking! xx
    £2025/3000 OH BC(32.50% PAID) £1600/3851 B/C (58.45% PAID)
    £540/1000 Tesco (46% PAID) MBNA £3400/3795.64 (10.42% PAID)
    PAID VERY, Barclaycard, Vanquis, Natwest, O/D & MBNA PAID
    LBM 24/07/15 - Debt: £7565/31010.23 (75.60% paid)
    Mortgage - £85,000.00 (O/P £666.48 so far) PAYDBX 16 #006 - £14957.15/£10000
    • AspiringButAnxious
    • By AspiringButAnxious 17th Nov 16, 10:32 AM
    • 609 Posts
    • 2,285 Thanks
    AspiringButAnxious
    Congratulations! Hope your move goes smoothly and is as stress-free as possible
    Rainy day fund — 3.16/500 Emergency fund target — 500/1000 Nest egg — circa £40
    Loan — 3081/15,487 = 19.8% Fun fund: £0.05 Credit card balance — £900
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