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  • FIRST POST
    • Dinah93
    • By Dinah93 15th Jun 16, 10:46 AM
    • 11,194Posts
    • 45,531Thanks
    Dinah93
    The Ultimate Incentive muddles along
    • #1
    • 15th Jun 16, 10:46 AM
    The Ultimate Incentive muddles along 15th Jun 16 at 10:46 AM
    Part 12. I have now been limping around these forums for the best part of a decade. I cleared it all, it all came back. It was nearly gone again, and it's grown almost to the max again. Somehow nearing that £16k debt figure always signals a change in the winds, something happens to make our finances go in a better direction for a few months, but then we hit a bump, fall off the wagon, down a cliff and into the deep dark sea. As well as a few maternity leaves and redundancy the biggest bump these last few years has been NIMs depression, where we can have no wages coming into the house for months on end, but also no ability to contribute in other ways so that I can work or even so I can do some home based money making.

    While the depression isn't in the best place right now, we are both committed to making it work as best we can, and my diary has always helped me, with the support and chatter of my amazing threadies. So, time to work out where we stand, and fill you in on what we plan to do about it.
    July debt clearance goal £785.94/£2000
    Met NIM 23/06/2008 Engaged 23/08/2009 Married 2010 Baby girl born 2012 - 12 weeks early Baby boy born 2014 - 11 weeks early
Page 25
    • Dinah93
    • By Dinah93 10th Jul 17, 11:25 PM
    • 11,194 Posts
    • 45,531 Thanks
    Dinah93
    Speaking to L&G is like banging my head off a brick wall.

    Had a phone conversation with an IFA who had a stand in Wickes, they actually did our first mortgage and they're doing a free check up of your life insurance as we may well want to increase it now we have kids.

    NIMs appeal drafted but need him to make any alterations as needs to go tomorrow.
    July debt clearance goal £785.94/£2000
    Met NIM 23/06/2008 Engaged 23/08/2009 Married 2010 Baby girl born 2012 - 12 weeks early Baby boy born 2014 - 11 weeks early
    • Dinah93
    • By Dinah93 13th Jul 17, 10:16 AM
    • 11,194 Posts
    • 45,531 Thanks
    Dinah93
    • Tidy bedroom
    • Complete assignment 3
    • Complete assignment 4
    • Complete assignment 5
    • Do any alterations from weekends coursework
    • Order NIM flyers
    • NIM uniform tax claim
    • Put tickets up for sale
    • Refund Monday morning customers
    • Reply to booking survey
    • Do list of all charges for L&G
    • 2016-2017 Tax Return
    • Tax credits renewal
    • Find somewhere for phone and computer repairs
    • Pay room hire for 2 studios for July
    • Cancel current phone contract. Order new phone.
    • Book London train tickets
    • Investigate Amazon fulfillment printing
    • Recall amazon FBA that is stranded
    • Do NIMs appeal
    • Email L&G - K
    • Write re-booking letter to students and send around
    • Plan this week's lessons
    • Email martial arts club
    • Pay NIMs fine
    • Check travel insurance
    You might see a lot of me the next couple of weeks... little man has come down with the dreaded chicken pox. We're due to go on holiday in 2 weeks too. This was the deal of the century holiday, 2 weeks for £500 so really hope he's recovered and little miss doesn't come down with it.

    However, this means I can't do a lot of my work in the next two weeks, so money will be way down. Even worse I had a new class due to start tomorrow morning that will run twice a week... which I can't do if I have little man at home. That's not very professional though to have to cancel the first two classes with only 24 hours to go.
    Last edited by Dinah93; 16-07-2017 at 9:45 PM.
    July debt clearance goal £785.94/£2000
    Met NIM 23/06/2008 Engaged 23/08/2009 Married 2010 Baby girl born 2012 - 12 weeks early Baby boy born 2014 - 11 weeks early
    • wendz86
    • By wendz86 13th Jul 17, 11:26 AM
    • 7,021 Posts
    • 24,523 Thanks
    wendz86
    Oh no hope he recovers quick and doesn't suffer too much. That's annoying about the work, these kids illnesses are not ideal at all. Hopefully you can get some other stuff done while at home.
    • clearmydebts
    • By clearmydebts 13th Jul 17, 6:03 PM
    • 6,073 Posts
    • 17,544 Thanks
    clearmydebts
    Evie got chicken pox exactly 13 days after Max. Her dose was way worse than his. Have you got travel insurance? Fingers crossed Grace doesn't get it
    Total debt (starting September 2016): €22,999/€27,000
    BOI credit card: €6,000/€7,000
    Loan:€16,999/
    Savings: €600
    • Cinny91
    • By Cinny91 14th Jul 17, 6:40 AM
    • 5,780 Posts
    • 25,081 Thanks
    Cinny91
    That is horrible timing good point on the insurance though, CMD! Hope Ben is better soon

    Is this your holiday for the year? Rather envious as we have nothing planned for a long time - even the trip over Oscar's birthday has been shelved until his 4/5th birthday. We were looking at a couple nights at the coast but we equate everything to a percentage of our mortgage payment/loan payment now so even that felt extravagant :rofl:
    • clearmydebts
    • By clearmydebts 14th Jul 17, 8:28 AM
    • 6,073 Posts
    • 17,544 Thanks
    clearmydebts
    That is horrible timing good point on the insurance though, CMD! Hope Ben is better soon

    Is this your holiday for the year? Rather envious as we have nothing planned for a long time - even the trip over Oscar's birthday has been shelved until his 4/5th birthday. We were looking at a couple nights at the coast but we equate everything to a percentage of our mortgage payment/loan payment now so even that felt extravagant :rofl:
    Originally posted by Cinny91
    We are shocking for taking holidays, it is a real weakness of ours. This year has been particularly bad, although next year is fat more civilised. Myself and OH were in Lisbon in March (my 40th present), we went to Disney Paris in April (my brother was home from Oz with his kids so it was a family thing), we are in Cork for the week now with the kids, Poland for 2 nights in Sept (friends wedding), Portugal for 3 nights in Sept (girlie weekend) and Spain for 5 nights in Oct (BIL's wedding). It sounds really bad on paper but just a really busy year this year.
    Total debt (starting September 2016): €22,999/€27,000
    BOI credit card: €6,000/€7,000
    Loan:€16,999/
    Savings: €600
    • Dinah93
    • By Dinah93 16th Jul 17, 9:47 PM
    • 11,194 Posts
    • 45,531 Thanks
    Dinah93
    • Tidy bedroom
    • Complete assignment 3
    • Complete assignment 4
    • Complete assignment 5
    • Do any alterations from weekends coursework
    • Order NIM flyers
    • NIM uniform tax claim
    • Reply to booking survey
    • Do list of all charges for L&G
    • 2016-2017 Tax Return
    • Tax credits renewal
    • Pay engineer
    • Find somewhere for phone and computer repairs
    • Pay room hire for 2 studios for July One done, need a cheque to clear or some of my rebooking money to come through (or the wages off the same studio!) to come through before I can pay this one
    • Investigate Amazon fulfillment printing
    • Pay NIMs fine
    • Check travel insurance
    • Plan this week's lessons
    Did a very long reply and got that annoying token expired message. Now can't remember what I wrote....
    Last edited by Dinah93; 17-07-2017 at 11:31 AM.
    July debt clearance goal £785.94/£2000
    Met NIM 23/06/2008 Engaged 23/08/2009 Married 2010 Baby girl born 2012 - 12 weeks early Baby boy born 2014 - 11 weeks early
    • wendz86
    • By wendz86 17th Jul 17, 10:11 AM
    • 7,021 Posts
    • 24,523 Thanks
    wendz86
    I could only afford my holiday this year due to getting some shares at work. Saving a bit each month to hopefully go to haven next summer with kids.

    CMD your holidays sound fun, i think we all have our weaknesses with certain things. Mine seems to be going out at the moment!

    List seems to be going down Dinah. How is the little one coping with the pox?
    • Cinny91
    • By Cinny91 18th Jul 17, 11:20 AM
    • 5,780 Posts
    • 25,081 Thanks
    Cinny91
    Hope Ben is feeling better!

    Those are some holidays, CMD! I always find we're either extremely busy with places to go/people to see or we're literally doing nothing for months on end. There's no middle! Totally with you that we all have our vices, Wendz. We're trying to cut things to the bone but we have £20 each Friday night for a takeaway
    • clearmydebts
    • By clearmydebts 18th Jul 17, 11:31 AM
    • 6,073 Posts
    • 17,544 Thanks
    clearmydebts
    I could only afford my holiday this year due to getting some shares at work. Saving a bit each month to hopefully go to haven next summer with kids.

    CMD your holidays sound fun, i think we all have our weaknesses with certain things. Mine seems to be going out at the moment!

    List seems to be going down Dinah. How is the little one coping with the pox?
    Originally posted by wendz86
    Well you deserve every night out you go on Wendz!!! Hope you are having a good time
    Total debt (starting September 2016): €22,999/€27,000
    BOI credit card: €6,000/€7,000
    Loan:€16,999/
    Savings: €600
    • clearmydebts
    • By clearmydebts 18th Jul 17, 11:32 AM
    • 6,073 Posts
    • 17,544 Thanks
    clearmydebts
    Hope Ben is feeling better!

    Those are some holidays, CMD! I always find we're either extremely busy with places to go/people to see or we're literally doing nothing for months on end. There's no middle! Totally with you that we all have our vices, Wendz. We're trying to cut things to the bone but we have £20 each Friday night for a takeaway
    Originally posted by Cinny91
    I think I am just going OTT because I turned 40 this year. Next year looks to be far more sedate. Agree that it is either a feast or a famine with going places!
    Total debt (starting September 2016): €22,999/€27,000
    BOI credit card: €6,000/€7,000
    Loan:€16,999/
    Savings: €600
    • wendz86
    • By wendz86 18th Jul 17, 11:34 AM
    • 7,021 Posts
    • 24,523 Thanks
    wendz86
    Thank you, lots going on this year with 30th's, hen do's, weddings etc so having good fun. Just a shame I seem to lose all sense of responsibility with money once i've had a drink .

    On the plus side i got a random letter yesterday from british gas saying they had charged me too much by £6 when i left and would give me an extra £7 goodwill so that's £13 i didn't have before.

    Also still doing well on the prolific surveys.
    • clearmydebts
    • By clearmydebts 18th Jul 17, 11:53 AM
    • 6,073 Posts
    • 17,544 Thanks
    clearmydebts
    Thank you, lots going on this year with 30th's, hen do's, weddings etc so having good fun. Just a shame I seem to lose all sense of responsibility with money once i've had a drink .

    On the plus side i got a random letter yesterday from british gas saying they had charged me too much by £6 when i left and would give me an extra £7 goodwill so that's £13 i didn't have before.

    Also still doing well on the prolific surveys.
    Originally posted by wendz86
    I have been the same the last few years, lots of 40th's. We have been invited to 2 weddings abroad this year and hadn't been at a wedding since 2010 so definitely all or nothing. The way I see it about the zero birthdays is we won't get to celebrate them for another decade! Lol
    Total debt (starting September 2016): €22,999/€27,000
    BOI credit card: €6,000/€7,000
    Loan:€16,999/
    Savings: €600
    • Cinny91
    • By Cinny91 19th Jul 17, 10:14 AM
    • 5,780 Posts
    • 25,081 Thanks
    Cinny91
    That reminds me, I have three 30th birthdays next year in my family so I best get my thinking cap on! Rich doesn't want a fuss but I'm hoping to squirrel away enough money to recreate a holiday we went on back in 2010, go to a bakery and pub that he always harps on about (thankfully still owned by the same people so should be just as nice!)

    Unexpected money is always good! My unexpected money, however, likes to leave my bank account I popped to HB this morning for those 79p off-brand chocolate fingers that are actually on-brand and spent £9 by the time I got to the till..
    • wendz86
    • By wendz86 19th Jul 17, 12:35 PM
    • 7,021 Posts
    • 24,523 Thanks
    wendz86
    I always end up spending way more than i should in a supermarket which i why i do online shopping. When i pop in to get milk/bread etc though it's a nightmare especially when the kids are with me.
    • clearmydebts
    • By clearmydebts 19th Jul 17, 12:42 PM
    • 6,073 Posts
    • 17,544 Thanks
    clearmydebts
    I always end up spending way more than i should in a supermarket which i why i do online shopping. When i pop in to get milk/bread etc though it's a nightmare especially when the kids are with me.
    Originally posted by wendz86
    Me too. I'm far more restrained with an online shop. With the little corner shop dashes I spend a fortune.
    Total debt (starting September 2016): €22,999/€27,000
    BOI credit card: €6,000/€7,000
    Loan:€16,999/
    Savings: €600
    • Dinah93
    • By Dinah93 19th Jul 17, 1:38 PM
    • 11,194 Posts
    • 45,531 Thanks
    Dinah93
    Same here. If I go to the big discounters I end up buying more because the kids see things they want, then they don't have things I want so I have to go to a second shop anyway. If I do it online I can keep an eye on my total, and compare how much that cheese is per kg to the other one for example.

    Doing my tax return today. Truely terrifying how much money I spent on Amazon last year. So many pages of ebooks. True I rarely spend over 99p on them, but I have over 500 unread books on my kindle now. That's a lot of money.
    July debt clearance goal £785.94/£2000
    Met NIM 23/06/2008 Engaged 23/08/2009 Married 2010 Baby girl born 2012 - 12 weeks early Baby boy born 2014 - 11 weeks early
    • clearmydebts
    • By clearmydebts 19th Jul 17, 1:42 PM
    • 6,073 Posts
    • 17,544 Thanks
    clearmydebts
    Same here. If I go to the big discounters I end up buying more because the kids see things they want, then they don't have things I want so I have to go to a second shop anyway. If I do it online I can keep an eye on my total, and compare how much that cheese is per kg to the other one for example.

    Doing my tax return today. Truely terrifying how much money I spent on Amazon last year. So many pages of ebooks. True I rarely spend over 99p on them, but I have over 500 unread books on my kindle now. That's a lot of money.
    Originally posted by Dinah93
    I had to have a word with OH about the amount of ebooks he was buying. He is a total bookworm but was spending between €40-50 a month. He is now investigating ebooks from the library
    Total debt (starting September 2016): €22,999/€27,000
    BOI credit card: €6,000/€7,000
    Loan:€16,999/
    Savings: €600
    • Dinah93
    • By Dinah93 19th Jul 17, 1:59 PM
    • 11,194 Posts
    • 45,531 Thanks
    Dinah93
    Out library only does ebooks for the nook :s
    July debt clearance goal £785.94/£2000
    Met NIM 23/06/2008 Engaged 23/08/2009 Married 2010 Baby girl born 2012 - 12 weeks early Baby boy born 2014 - 11 weeks early
    • clearmydebts
    • By clearmydebts 19th Jul 17, 2:04 PM
    • 6,073 Posts
    • 17,544 Thanks
    clearmydebts
    Not sure what ours does. Fingers crossed the Kobo.

    How are things anyway? How is Ben getting on with the pox?
    Total debt (starting September 2016): €22,999/€27,000
    BOI credit card: €6,000/€7,000
    Loan:€16,999/
    Savings: €600
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