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  • FIRST POST
    • AnxiousHomemaker
    • By AnxiousHomemaker 8th Jul 16, 11:19 PM
    • 57Posts
    • 123Thanks
    AnxiousHomemaker
    My Not So Secret Diary...
    • #1
    • 8th Jul 16, 11:19 PM
    My Not So Secret Diary... 8th Jul 16 at 11:19 PM
    Evening everyone,

    I've been an on and off lurker of MSE for a while now and finally decided to create my own diary after spending the last few days reading some of the diaries out there. I am hoping that by having somewhere to document things it will help me to keep focussed. Things aren't too good here at the moment, we have around £15, 000 worth of debt, my husband is the main earner and he is currently off work on long term sick so things are pretty stressful but we keep on plodding along! I have wrote a snowball plan so have an idea of what I need to pay off first and by when so that is what I am following at the moment.

    We were doing well up until my husband going off work and now I can see the debt increasing, unfortunately we don't have an emergency fund and he is only entitled to statutory sick pay, which isn't much at all so it feels like we aren't left with much option but to borrow *sigh*. It has made me rethink our savings though and its made me more determined to get some regular savings in place to try and build up an emergency fund but that will have to wait for now.

    Anyway I don't plan on going on and on tonight,but I really wanted to get this diary up and running, if you got this far thank you

    Last edited by AnxiousHomemaker; 31-07-2016 at 9:03 AM.
Page 3
    • mum2one
    • By mum2one 13th Aug 16, 7:27 PM
    • 15,963 Posts
    • 59,426 Thanks
    mum2one
    Unfortunately its the age old question - how long is a piece of string, as the solicitor would have to contact the other side - depends how proactive the other side is.

    xx
    16 crafts 2015 =10/16
    Sisters legacy -50 charitable acts 24/50
    Angel Baby Item, 25 hats,5 blankets, 20 prs booties, 4 sets of bonding squares, angel dress.
    Tackling the debt free life one day at a time xx
    RIP Dad, - Always love you, - He was 1 in a million xx
    • AnxiousHomemaker
    • By AnxiousHomemaker 14th Aug 16, 7:30 PM
    • 57 Posts
    • 123 Thanks
    AnxiousHomemaker
    Thanks mum2one, I spoke to a friend earlier who is a solicitor and I feel abit better about the situation, she reassured me that things are moving along at the right pace etc... Just need to accept that I won't be making any big payments off any debts at the moment.

    Had some friends over last night, my husband gave them a lift home and they gave him £10.00 - he didn't ask or expect anything and tried to decline but they left it in the car, so that was quite nice and will help us out.

    We are off on holiday in a few days, we booked it before my husband's accident and it has been paid for so we will be going, only going to the east coast but hopefully the weather will be ok and we can take advantage of the beach etc... mother in law has bought buckets and spades etc to take with us, will be cheaper from here than from the sea front i'm sure!

    Starting to question whether I should look for a new job, but I think that is a different post for a different day, just my mind going into over drive I think!

    Hope everyone has had a good weekend! Xx
    No one is going to stand up at your funeral and say
    'she had a really expensive couch and nice shoes'

    3-6 months emergency fund #58: £15/£500
    • AnxiousHomemaker
    • By AnxiousHomemaker 15th Aug 16, 10:19 AM
    • 57 Posts
    • 123 Thanks
    AnxiousHomemaker
    Morning all, I did not sleep well last night at all. So many things running through my mind and general worry. Feeling sorry for myself today which I know doesn't help matters. Still waiting on topcashback to pay into my account and also my expenses from work, which will be about £45 in total when that happens. I have someone collecting something from me tommorow too that they have bought, whether they will or not is another matter as this is the third time they have arranged to come... Hubs will be phoning his solicitor again today, hopefully he will get an update on his claim.

    With us going away at the end of the week I haven't done a big shop and instead I am just getting bits every day, I've already been to Aldi this morning and bought the kids a pizza for tea for 89p.

    10 days till pay day!!
    No one is going to stand up at your funeral and say
    'she had a really expensive couch and nice shoes'

    3-6 months emergency fund #58: £15/£500
    • louby40
    • By louby40 15th Aug 16, 10:38 PM
    • 456 Posts
    • 984 Thanks
    louby40
    Keep going! I'm sure you will hear some good news soon from your solicitor
    • mum2one
    • By mum2one 15th Aug 16, 11:20 PM
    • 15,963 Posts
    • 59,426 Thanks
    mum2one
    It sounds daft but ur on the home straight, even if it's a mini payment it's a payment - when u get sorted u go from there. The break sounds like it will do u all the world of gd, def a lot cheaper than the seaside, - the amount of stuff I use to cart when dd was young, save the pennies the pounds look after themselves,

    it doesn't sound like this is the best time about the new job - xx
    16 crafts 2015 =10/16
    Sisters legacy -50 charitable acts 24/50
    Angel Baby Item, 25 hats,5 blankets, 20 prs booties, 4 sets of bonding squares, angel dress.
    Tackling the debt free life one day at a time xx
    RIP Dad, - Always love you, - He was 1 in a million xx
    • AnxiousHomemaker
    • By AnxiousHomemaker 17th Aug 16, 9:39 PM
    • 57 Posts
    • 123 Thanks
    AnxiousHomemaker
    Hi everyone, finally I have got my topcashback money and expenses paid into my account - phew. Things are also starting to move along with my husband and he is seeing a specialist tomorrow, following the specialists report he should receive some money to either cover some loss of earnings or an interim payment, but also (and more importantly) he should get an idea what to expect regarding his recovery and the specialist will refer him for more treatment. My husband's main aim at the moment is to get back to work, think he his going a little crazy at home but physically he cant go back, hopefully this will help!

    I agree about the job mum2one, think I was in panic mode thinking I could get out there and earn more money to cover everything, but realistically it just wouldn't work like that.

    Need to spend some time sorting my daughter's school uniform out, it's expense after expense isn't it! Luckily I think some of her uniform will fit from last year and also I bought some cardigans etc in the schools second hand sale, so will just be new shoes, socks and tights I think...

    Off to bed soon, as feeling very tired and worn down, one more shift left and then off work for a couple of weeks - can't wait!!
    No one is going to stand up at your funeral and say
    'she had a really expensive couch and nice shoes'

    3-6 months emergency fund #58: £15/£500
    • AnxiousHomemaker
    • By AnxiousHomemaker 18th Aug 16, 7:50 PM
    • 57 Posts
    • 123 Thanks
    AnxiousHomemaker
    Feeling annoyed and confused today. Back in April I applied for Marriage allowance, I was told I could claim for last year and that I would receive a cheque. I never heard anything so chased it up last week, today my husband has got a letter saying he won't be getting the refund and "this is because you did not receive your transfer allowances until the tax year 2016/2017"

    I've called HMRC and the man I spoke to couldn't understand it. He confirmed it was all on the system and there is no reason my husband shouldn't receive it so he will pass it back apparently and get them to look at it again...

    It's just another thing I have to mess about and chase up now which is frustrating, especially when it would help so much at the moment but never mind.

    Won't be posting for a few days now due to going away, hopefully when I am back on I will have some good news!
    No one is going to stand up at your funeral and say
    'she had a really expensive couch and nice shoes'

    3-6 months emergency fund #58: £15/£500
    • brizzledfw
    • By brizzledfw 19th Aug 16, 8:32 AM
    • 6,152 Posts
    • 29,151 Thanks
    brizzledfw
    Have a great holiday, Hope it's relaxing! Try not to worry too much
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    New debt: £7000 0%; Savings: £1400
    Declutter 50 items before 30.09.16 42/50 **
    NSDs Target 5 for September 3/5 EBay Sales Target 30.09.16 £299/£100
    • AnxiousHomemaker
    • By AnxiousHomemaker 27th Aug 16, 11:56 AM
    • 57 Posts
    • 123 Thanks
    AnxiousHomemaker
    Hi All,

    Came back from holiday yesterday... spent way more than I would have liked to but we had a nice time and what's done is done. We didn't use any credit for it and both our parents kindly gave us some money to do some nice things with the children which helped massively and was very much appreciated (and unexpected!) Now it's time to get back to it!

    I have spent the morning doing a meal plan and shopping list and will be off to Aldi later today to do that. I am still off work for another week so will be going through everything with a fine tooth comb and hopefully coming up with a plan to get through to Christmas. Unfortunately one of my credit cards comes off 0% this month, due to circumstances I have not been able to pay off as much as I had hoped, I am also unable to transfer the balance so I just need to suck it up and get on with it. Trying not to feel too disheartened and just want to remain focused on the long term goal.

    Back to school in just over a week, need to go through all my daughters uniform to see what fits and what doesn't and buy new bits. Feel like I have left it right to the last minute in comparison to previous years.

    I had hoped we might have received a letter regarding the marriage allowance but we haven't. Think I will give it till after the bank hol and then chase it up again...

    Will be getting back into the decluttering and selling this week. Just feel like I need a rest today. Plus I have a mountain of washing to get through... it's all fun fun fun!
    No one is going to stand up at your funeral and say
    'she had a really expensive couch and nice shoes'

    3-6 months emergency fund #58: £15/£500
    • AnxiousHomemaker
    • By AnxiousHomemaker 29th Aug 16, 4:54 PM
    • 57 Posts
    • 123 Thanks
    AnxiousHomemaker
    Happy Bank Holiday everyone!

    I received an unexpected £20 this weekend, well not so much unexpected, more I had forgot about it (it was the deposit for a recent hol) currently got it in my purse while I decide what to do with it... No bills have gone out yet due to the bank holiday so hoping that all sorts itself out tomorrow then I can see what I need to do this month. Will also been chasing the marriage allowance up this week as not heard anything since last time. Kids are out for the day with family tomorrow so got the day to myself to go through things and sort stuff out. Feeling a little frustrated with how slow things are moving, going to have a look through some money saving blogs today for inspiration! Off to make tea now! will update again soon xxx
    No one is going to stand up at your funeral and say
    'she had a really expensive couch and nice shoes'

    3-6 months emergency fund #58: £15/£500
    • AnxiousHomemaker
    • By AnxiousHomemaker 30th Aug 16, 1:53 PM
    • 57 Posts
    • 123 Thanks
    AnxiousHomemaker
    Happy Sunday everyone

    I've also decided to list my debts within this thread, so I can follow them. Now generally my husband and I consider our debts to be both our responsibility but while we're in this awkward place with his injury and him being off sick I am going to focus on just the accounts in my name as he is using his cards to help him through, not ideal at all I know but with no savings and an insurance company dragging their feet then needs must unfortunately

    So here we go... *takes deep breath*

    CC1 - £4418.76
    CC2 - £1125.11
    CC3 - £2913.32
    VERY - £809.66

    Total: £9266.85
    Originally posted by AnxiousHomemaker
    Today all the bills have caught up from the bank holiday weekend, I have also made a payment to Very, as I had something on buy now pay later that needed paying before Friday! so I have done a monthly round up of my debts. As it stands today they are...

    CC1 - £4370.81
    CC2 - £1100.11
    CC3 - £2847.78
    VERY - £584.00

    Total - £8902.70

    Feels good going below £9000 - although as I have said before this the debt in just my name, my husband has 2 credit cards in his name but he has been borrowing off them to top up his sick pay and we are still working with solicitors and insurers etc to get loss of earnings reimbursed so we are hoping that he will be able to pay off what he has borrowed!!

    Also had to renew car insurance today, used compare the market and managed to get insured for less than the previous year, payments have been reduced from £37 down to £28, which is fab! Also went through top cash back.

    Had to go into town earlier, parked a bit further out on a residential street rather than paying for the car park, only a small gesture but hoping these little things will make big differences!

    Child free day today and lots to do so going to have some lunch and get cracking! x
    No one is going to stand up at your funeral and say
    'she had a really expensive couch and nice shoes'

    3-6 months emergency fund #58: £15/£500
    • AnxiousHomemaker
    • By AnxiousHomemaker 21st Sep 16, 10:26 PM
    • 57 Posts
    • 123 Thanks
    AnxiousHomemaker
    I've neglected the diary for the last couple of weeks, truth is things just got a bit crappy and I haven't felt motivated to come on to the diary or even the forums for the that matter. My husband and I have borrowed money to top up our income while he has been on sick and I just feel like we are falling at a rapid rate. I was waiting for a refund on marriage allowance for last year, finally spoke to someone at HMRC who stated that my husband had underpaid his tax last year (apparently this happened when he switched jobs last year as he was paid by 2 employers in the same month and they both used the same tax code?) anyway they decided to use the money that they owed him, to pay what he owes them... makes sense really but I was a little bit annoyed especially as they never explained this to me and instead just left it with me to chase up!

    My husband is now back at work on a phase return so hopefully we will be able to get a handle on things soon. He still hasn't received any money from the insurance company for his loss of earnings! He has however put in a complaint to Lloyds bank for some bank charges he received a few years ago (long story) we are hoping he may get something back but at the same time we are not holding our breathe as we these things are never straight forward for us....
    No one is going to stand up at your funeral and say
    'she had a really expensive couch and nice shoes'

    3-6 months emergency fund #58: £15/£500
    • brizzledfw
    • By brizzledfw 22nd Sep 16, 3:55 PM
    • 6,152 Posts
    • 29,151 Thanks
    brizzledfw
    HI AH..so sorry things have not been straight forward. Gruelling I am sure. Why don't you post on here say twice a week or so? We are here to cheer you on and support you generally..there is a lot on your plate after all

    x
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    New debt: £7000 0%; Savings: £1400
    Declutter 50 items before 30.09.16 42/50 **
    NSDs Target 5 for September 3/5 EBay Sales Target 30.09.16 £299/£100
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