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  • FIRST POST
    • Dinah93
    • By Dinah93 15th Jun 16, 10:46 AM
    • 11,210Posts
    • 45,534Thanks
    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.
    September debt clearance goal £0/£1950
    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 31
    • Cinny91
    • By Cinny91 13th Sep 17, 9:37 PM
    • 5,794 Posts
    • 25,082 Thanks
    Cinny91
    It's no problem at all, a good price too compared to the £30! Even though Oscar had no idea what was happening last year I know the anxiety of wanting Christmas to be good, so can't imagine how it must feel when they're older.
    September Debt Challenge £1594.39/1950
    • Dinah93
    • By Dinah93 13th Sep 17, 10:33 PM
    • 11,210 Posts
    • 45,534 Thanks
    Dinah93
    Does anyone have an epic dinosaur toy recommendation? We saw a dummy tree the other week and now he's actually decided the dummy fairy (never in a month of sundays did I think I'd use that phrase) can have his beloved. He only has it at night but loves it. But the dummy fairy is apparently going to swap his dummy for a dinosaur. He has a box of little plastic models already but need it to be something inexpensive but wow enough to make it worth giving up the dummy for.
    September debt clearance goal £0/£1950
    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
    • Cinny91
    • By Cinny91 14th Sep 17, 7:30 AM
    • 5,794 Posts
    • 25,082 Thanks
    Cinny91
    Have you seen those dinosaur planters in Morrisons? They're £5 and pretty awesome. If you google image Morrisons dinosaur planter they come up.

    Small TT of £1.17 this morning. My wages hit the bank in the morning so will be able to do a chunk at the credit card!
    September Debt Challenge £1594.39/1950
    • Dinah93
    • By Dinah93 14th Sep 17, 9:24 AM
    • 11,210 Posts
    • 45,534 Thanks
    Dinah93
    Morning all. My first day without children for more than 1 hour in 8 weeks! I love love love the summer holidays, but real life (aka all the boring stuff) does fall by the wayside with two small people home all the time. I have a solid 5 1/2 hours today to crack on. So, priority list:
    • Confirm rainbows place
    • Do forms for Carol
    • Email to check I have B&B place next weekend
    • Make cake for playdate tonight
    • Write Ahimsa lesson plan
    • Speak to Polygon/C&L/Prodrive/DB
    • Speak to Tax Credits
    • Set up TF payment system
    • Send Invoices
    • Send my details to Marie/Rebecca for payment
    • Order new bank cards
    September debt clearance goal £0/£1950
    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 14th Sep 17, 10:03 AM
    • 7,041 Posts
    • 24,525 Thanks
    wendz86
    It's lovely that you enjoy summer holidays, I can only cope with a few days at a time . Must say though i'm finding it easier now the girls play with each other (when they aren't bickering).

    The joy of an office job is i can get all the little admin jobs done but the housework is falling behind.

    Good luck with the list Dinah!
    Make £5 a day in September challenge £65.10/£150.
    Lose a LB a week in September 0/4.
    • Dinah93
    • By Dinah93 14th Sep 17, 11:44 AM
    • 11,210 Posts
    • 45,534 Thanks
    Dinah93
    Hows everyone doing with the lbs challenge? I've not really been thinking about it, more being hopeful, but weighed in this morning and I've lost 6.6lbs in 3 weeks so I'm quite happy with that.
    September debt clearance goal £0/£1950
    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 14th Sep 17, 11:46 AM
    • 7,041 Posts
    • 24,525 Thanks
    wendz86
    I have been awful with the losing weight, been sat here eating biscuits at work
    Make £5 a day in September challenge £65.10/£150.
    Lose a LB a week in September 0/4.
    • Dinah93
    • By Dinah93 14th Sep 17, 12:27 PM
    • 11,210 Posts
    • 45,534 Thanks
    Dinah93
    Eaten a lot of biscuits, I think it's just the not eating dairy anymore that's tipped the scales for me.

    Chirpily avoiding the things on the list I don't like the look of but plodding on at least
    September debt clearance goal £0/£1950
    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
    • kavics17
    • By kavics17 14th Sep 17, 2:00 PM
    • 2,195 Posts
    • 6,345 Thanks
    kavics17
    I haven't stood on the scales tbh but wrote down measurements. Will check at the end of the month.

    I love the summer holiday. I had 4 weeks off and had a blast with mini Kavics. It was so great not rushing around and do whatever we wanted to do. I also love the routine so was nice to be back at work after 4 weeks .

    I sold another pair of shoes and a pyjama, signiture updated.
    September make £10 a day challenge: £90/£300
    Lose a pound a week challenge 0/4
    • Dinah93
    • By Dinah93 14th Sep 17, 2:32 PM
    • 11,210 Posts
    • 45,534 Thanks
    Dinah93
    • Confirm rainbows place
    • Do forms for Carol Will do tonight
    • Email to check I have B&B place next weekend
    • Make cake for playdate tonight
    • Write Ahimsa lesson plan Started
    • Speak to Polygon/C&L/Prodrive/DB Spoke to all but have a LONG email to write as a result
    • Speak to Tax Credits
    • Set up TF payment system
    • Send Invoices
    • Send my details to Marie/Rebecca for payment Realised I'm doing another class for Rebecca this weekend so no point doing an invoice until after that
    • Order new bank cards
    Last edited by Dinah93; 17-09-2017 at 11:58 PM.
    September debt clearance goal £0/£1950
    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
    • roomontheend
    • By roomontheend 14th Sep 17, 9:08 PM
    • 412 Posts
    • 1,676 Thanks
    roomontheend
    I will get back to you tomorrow when I've checked size. So finger crossed.
    Official DFW Nerd Club - Member no. 832 - Proud to be dealing with my debts
    Total debt feb 2012 = £54354.11
    Paid = £22641.01 Current = £31713.10
    Paid = £32464.73 Current = £21889.38

    paid = £33360.07 Carrent £20994.04
    • Dinah93
    • By Dinah93 15th Sep 17, 2:26 PM
    • 11,210 Posts
    • 45,534 Thanks
    Dinah93
    Didn't get in until 9.30 last night and for the first time in weeks I went to bed by 10.15 so not much done. Been working all morning, home for 45 minutes and about to go back out to take books to the library, pick up prescriptions, do the ballet and tap run, take the kids to their nanas, then go back to work. At least tonight is my early finish so will be home by 8pm and might be able to get something done then instead.
    September debt clearance goal £0/£1950
    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 16th Sep 17, 9:14 AM
    • 11,210 Posts
    • 45,534 Thanks
    Dinah93
    Very nice surprise last night to come home and find NIM had cooked me dinner, so we had a once in a blue moon night 'off' together and watched a film (read old Top Gear, it takes us longer to agree on a film than to watch it).

    Have around an hour this morning while he picks up the kids from my mum so going to focus on getting my forms and feedback done for Carol.
    September debt clearance goal £0/£1950
    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 16th Sep 17, 2:49 PM
    • 7,041 Posts
    • 24,525 Thanks
    wendz86
    Night off together sounds like just what you needed.


    Had a bit of a spendy day yesterday with an impromptu visit to soft play with Heidi yesterday as was invited by a couple of mums. Had lunch there as well.

    Heidi enjoyed her trial at ballet so looks like I have an expensive road ahead of me with dance classes [ROTFL].
    Make £5 a day in September challenge £65.10/£150.
    Lose a LB a week in September 0/4.
    • kavics17
    • By kavics17 19th Sep 17, 4:09 AM
    • 2,195 Posts
    • 6,345 Thanks
    kavics17
    Morning,

    I can't sleep, too many things are on my mind. Went to mini Kavics's parents' eve last night and came out rather shocked. I speak only in Engish with her and now they are suggesting that I start speaking Hungarian too as the education system is completely different and what she knows in English, she can't express in Hungarian. Rather difficult to explain. She is fluent in both languages but obviously her vocabulary is not as good in Hungarian as it is in English. Not sure what I am going to do about it. Need to think through it properly to see whether their reasoning is good enough for me to either find a tutor or sometimes switch the language. Any advice?

    Also stood on the scale this morning and I think I lost 3 pounds. Last time I checked my weight was in August. Nothing to do with the guy I met on Friday and who asked me out on a date, no no no.

    Expensive week ahead of me as I need to pay £35 at the nursery for different activities and also £15 for volleyball for the month. Haven't managed listing anything on facebook, will try to do some tonight.
    September make £10 a day challenge: £90/£300
    Lose a pound a week challenge 0/4
    • wendz86
    • By wendz86 19th Sep 17, 9:32 AM
    • 7,041 Posts
    • 24,525 Thanks
    wendz86
    Kavics - i know people with two languages who switch and try and talk to the child in the other language. I'm not sure how well that works though, hope you can find a solution.

    Well done on the weight loss and eek at the date, exciting!
    Make £5 a day in September challenge £65.10/£150.
    Lose a LB a week in September 0/4.
    • wendz86
    • By wendz86 19th Sep 17, 10:14 AM
    • 7,041 Posts
    • 24,525 Thanks
    wendz86
    Meant to say as well i used the camelcamel thing after you mentioned it Cinny and managed to get Heidi's main presents - sylvanian starter home and pirate ship yesterday. Just need to resist buying her anything else!
    Make £5 a day in September challenge £65.10/£150.
    Lose a LB a week in September 0/4.
    • roomontheend
    • By roomontheend 19th Sep 17, 1:29 PM
    • 412 Posts
    • 1,676 Thanks
    roomontheend
    Dinah sorry about the delay, but we only have size 10 and 11. We did have a beautiful pair in very pale pink however did is not sure if she has given them away.
    Official DFW Nerd Club - Member no. 832 - Proud to be dealing with my debts
    Total debt feb 2012 = £54354.11
    Paid = £22641.01 Current = £31713.10
    Paid = £32464.73 Current = £21889.38

    paid = £33360.07 Carrent £20994.04
    • Dinah93
    • By Dinah93 19th Sep 17, 2:19 PM
    • 11,210 Posts
    • 45,534 Thanks
    Dinah93
    Thanks ROTE, we've tried on a pair at class and she's definitely a 9 but the school has some second hand pairs for sale for £8 so will get one of those x

    I think I'm going to apply for a job. May well not get it since it will be a massive interview process and the wage is immense, but we would be able to make real headway if I got it. If this was September 2018 I wouldn't hesitate, it's just the idea of loosing my last year at home with Ben. The yoga business is going well, is flexible, I'm happy, but financially we're !!!!ed, and maybe I need to see what this would bring. It would be entirely home based, very flexible on the hours, potentially I could work say 25 hours rather than full time if they had it available. It's in my old field, I have all the necessary experience but I'd imagine it would be a very popular one to apply for so I may not even get past the sift. Ideally I would keep teaching 2 or 3 nights a week as I love teaching yoga, and in 5 years maybe I could make that my main wage again when I'd paid off the debts (and hopefully the mortgage too- as I say - very well paid role).

    Plodding on with listing books on an evening. Tonight I finish early so hopefully can get 3 hours or so in, would very much like to have all the books done before I go away this weekend if at all possible.
    September debt clearance goal £0/£1950
    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 19th Sep 17, 3:04 PM
    • 11,210 Posts
    • 45,534 Thanks
    Dinah93
    • Tax credit renewal
    • Call bathrooms.com
    • Email polygon
    • List fridge on ebay
    • Check other big items are on ebay
    • Send invoices
    • Finalise new term student list
    • Plan lessons for new term - ahimsa, satya, asteya, brahmacharya, aparigrapa, sauca, santosha, tapas, svadhyaya, isvara pranidhana, beginners workshop
    • Arrange new energy deal
    • Arrange new broadband
    • Work out Sept 1st debt total
    • Rearrange B swimming lessons (8.15am on a Sunday morning is NOT working for us)
    • Post baby pressies x2
    • Reply to new baby email
    • Post FBA box
    • Trade in the book mountain
    • Complete assignment 3
    • Complete assignment 4
    • Complete assignment 5
    • Do any alterations from weekends coursework
    • Order NIM flyers
    • Distribute my flyers
    • NIM uniform tax claim
    • Do list of all charges for L&G
    • 2016-2017 Tax Return
    • Find somewhere for phone and computer repairs
    • Reply to S21 email/text
    • Investigate Amazon fulfillment printing Started, need to create pdfs of various bits to finalise
    • Set up TF payment system
    • Advertise new workshops
    • Pay O for class cover
    • Send my details to Marie/Rebecca for payment
    • Send amazon parcel
    • Contact DL
    • Write a bit for A gym on yoga as a unity practice not a physical practice
    • Write workshop description for H gym
    • Make aerial yoga interest list
    • Set up mailing list
    • Check all invoices are paid for July/August including Tru
    • Chase up why the holy hell my vodafone bill is £93There are a few errors but largely I received a phone call while in international waters and that cost me £26, but also it actually covers nearly 2 months not one. Need to call them though
    • Chase up why NIM is being charged twice for his 3
    • Get NIM to work out Virgin login
    • Request new bank cards
    • Apply for job 1 by 30th.
    • Decide on applying for job 2 Doesn't stack up. Hours are decent, location decent and if it was next September I'd go for it, but right now with loosing tax credits, carers allowance, paying fuel to get there, having to drop one probably two yoga classes a week and having to pay around £100 a month in after school clubs I'd only be about £40 up by taking it.
    • Decide on applying for job 3Similar to job 2, except it's actually full time office hours so no flexibility and being private sector that means 9-5 AND entertaining clients a couple of evenings a week. Definite no.
    • See if we qualify for different water tarriff

    Progress. Going to try to knock out a few quick wins in the next hour before we need to pick up Grace. Ben not feeling well, think he has a cold but as always with him his ears have joined the party, so we've read about 30 books and now I've let him have Grace's kindle to do digital colouring (for no known reason he hates real colouring but likes to do it on the tablet)

    Grace had her coordination assessment at the hospital this morning, showing she's around a year delayed on her left side and 2-3 years delayed on her right side. She really struggled to catch a bean bag despite 20 attempts, writing is noticeably less clear than they were expecting etc. So she's going to get 121 support for an hour a week for 6 weeks after half term, see if they can help bring her writing up to speed.
    Last edited by Dinah93; 20-09-2017 at 10:04 AM.
    September debt clearance goal £0/£1950
    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
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