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  • FIRST POST
    • Dinah93
    • By Dinah93 15th Jun 16, 10:46 AM
    • 11,286Posts
    • 45,565Thanks
    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.
    Debt January 1st 2018 £65,773.65
    Debt Feb 1st 2018 £61,909.25
    £3,863.91/5.87% paid off
    Met NIM 23/06/2008
Page 43
    • wendz86
    • By wendz86 12th Feb 18, 2:57 PM
    • 7,085 Posts
    • 24,605 Thanks
    wendz86
    I love my coffee when at work, but thankfully we have a free machine!
    Make £100 a month challenge Jan £58.02 Feb £46.18
    • Cinny91
    • By Cinny91 13th Feb 18, 9:40 AM
    • 5,848 Posts
    • 25,099 Thanks
    Cinny91
    I don't think £25 is the end of the world considering how much you could be spending on other vices.

    I can't really think of much, I do tend to go whole hog for a few weeks or months and then splurge which isn't exactly healthy money habits.

    I went back to the Toys R Us clearance yesterday and spent a smidgen under £20 getting O a scooter and a play doh set to put away for Christmas for him. Also got him the Thomas Aquadoodle for £13 and a little tikes bubble stick for £2.40 so that's him sorted for his Birthday.
    • wendz86
    • By wendz86 13th Feb 18, 2:33 PM
    • 7,085 Posts
    • 24,605 Thanks
    wendz86
    Sound like fab presents for O. Mine both love play dough and H plays with the aquadoodle lots too.

    I've just been to Sainsbury's and gave into the TU sale even though they don't need anything. We are really lucky as get given lots of clothes for the girls. Bought a t shirt for P and a legging and top set for H who does need more leggings to be fair.
    Make £100 a month challenge Jan £58.02 Feb £46.18
    • Dinah93
    • By Dinah93 16th Feb 18, 4:30 PM
    • 11,286 Posts
    • 45,565 Thanks
    Dinah93
    Hi all, good half term? We were away for a few days on a Sun deal. We were supposed to go away with former friend but after it all happened in the autumn we ended up booking somewhere a bit more convenient still on a Sun holiday so only £15 each for the 5 days.
    1. Update timetable and descriptions on my website
    2. Submit final assignment
    3. Send info and confirm dates for funded course
    4. Write intro course and send to S
    5. pregnancy course assignment - symptoms presentation
    6. pregnancy course assignment - wide legged postures
    7. pregnancy course assignment - book review
    8. Check if I have any other assignments
    9. Set up DD to W&G
    10. Create and advertise pregnancy course
    11. Get up to date on 17-18 tax return
    12. Chase up info on commercial vehicles
    13. Put all DIY jobs into family to do app
    14. Work out APR on all cards so can snowball
    15. Check have made all minimum payments this month
    16. Order new non-melted bank cards
    17. Get quote for making garden look less like the Somme
    18. Work out length of strops needed for new course and order
    19. Work out remaining availability and push those places
    20. Update new starter letter
    21. Send new starter letter and registration letter to all students
    22. Work out who hasn't registered
    23. Update Bee Inclined with new term dates
    24. Get NIM to work out how I can comply with new GPDR
    25. Update visual timetable
    26. Refund LJ and cancel acro workshop
    27. Put up new workshop/workshops for acro date
    28. Do BWY supporting evidence documentation
    29. Pay Accountants
    30. Pay Invoices
    31. Submit final invoices to gyms
    Last edited by Dinah93; Yesterday at 3:06 PM.
    Debt January 1st 2018 £65,773.65
    Debt Feb 1st 2018 £61,909.25
    £3,863.91/5.87% paid off
    Met NIM 23/06/2008
    • Dinah93
    • By Dinah93 16th Feb 18, 4:36 PM
    • 11,286 Posts
    • 45,565 Thanks
    Dinah93
    Also liking the idea of calling then Big Pink and Little Blue, I hate to gender stereotype but those are their favorite colours. I did one of those facebook 'ask your child these 10 questions last night.

    Me: Who is your best friend?
    LP: Abigail
    LB: Daddy and Granddad. They have winkies.

    Me: What is your favourite song?
    LP: Amazing Grace
    LB: Amazing Ben!

    Me: What is your favourite animal?
    LP: Baby spring lambs that are all bouncy
    LB: Dinosaurs

    Me: What makes you happy?
    LP: Hugs & Kisses
    LB: Dinosaurs

    Me: What makes you sad ?
    LP:When I don't get a goodnight kiss
    LB: Dragons

    ME: Where is your favourite place to go?
    LP: Antarctica
    LB: Little Land

    Me: What do you want to be when you grow up?
    LP: A Princess
    LP: A dinosaur
    Debt January 1st 2018 £65,773.65
    Debt Feb 1st 2018 £61,909.25
    £3,863.91/5.87% paid off
    Met NIM 23/06/2008
    • wendz86
    • By wendz86 18th Feb 18, 4:37 PM
    • 7,085 Posts
    • 24,605 Thanks
    wendz86
    Bless them that's so cute!
    Make £100 a month challenge Jan £58.02 Feb £46.18
    • Cinny91
    • By Cinny91 20th Feb 18, 11:49 AM
    • 5,848 Posts
    • 25,099 Thanks
    Cinny91
    When is it Sun start doing the vouchers? OH was talking about them a few weekends back as a cheap way to have a quick holiday later this year but we're both clueless.

    LB has life sussed so young, what more do you need from life than dinosaurs and grandparents?

    Started getting O's birthday presents this week and as OH's family never ask we've got 2 dupes already. What do you guys do when that happens? I don't want to upset anyone by asking to return gifts, but I'm at a bit of a loss because things will just wind up abandoned in boxes.
    • Dinah93
    • By Dinah93 20th Feb 18, 3:11 PM
    • 11,286 Posts
    • 45,565 Thanks
    Dinah93
    Updated list, busy morning, 2 2x1hr class and then a 1-2-1 session, home for an hour or so, need to go pick up the kids, then another 3 classes this evening. One of which I still need to plan :s
    1. Update timetable and descriptions on my website
    2. Submit final assignment
    3. Write intro course and send to S
    4. pregnancy course assignment - symptoms presentation
    5. pregnancy course assignment - wide legged postures
    6. pregnancy course assignment - book review
    7. Check if I have any other assignments
    8. Get up to date on 17-18 tax return
    9. Put all DIY jobs into family to do app
    10. Work out APR on all cards so can snowball
    11. Check have made all minimum payments this month
    12. Order new non-melted bank cards
    13. Get quote for making garden look less like the Somme
    14. Work out who hasn't registered
    15. Get NIM to work out how I can comply with new GPDR
    16. Do BWY supporting evidence documentation
    17. Submit final invoices to gyms
    Debt January 1st 2018 £65,773.65
    Debt Feb 1st 2018 £61,909.25
    £3,863.91/5.87% paid off
    Met NIM 23/06/2008
    • wendz86
    • By wendz86 20th Feb 18, 4:57 PM
    • 7,085 Posts
    • 24,605 Thanks
    wendz86
    If we get duplicates i usually just put one aside to give to someone else unless it's someone close like my mum who i could ask to swap it. Heidi got three sylvanian houses for christmas and because she saw them all i had to keep them out but hoping i might be able to hide one soon and carboot it or something!
    Make £100 a month challenge Jan £58.02 Feb £46.18
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