Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • Mooloo
    • By Mooloo 1st Jan 17, 2:18 PM
    • 9,001Posts
    • 44,012Thanks
    Mooloo
    Mooloo's Joining up the dots in 2017
    • #1
    • 1st Jan 17, 2:18 PM
    Mooloo's Joining up the dots in 2017 1st Jan 17 at 2:18 PM
    Welcome to another year in the life of Mooloo.
    I have been posting for many years now and have shared all the ins and outs of life, love, families and work.
    I started when I was struggling to bring up my children and their new babies under quite difficult circumstances.
    I am happy to say that I am in a much better stage of my life than all those years ago.
    I live with my 9 year old granddaughter with a Guardianship order for the past seven years.
    I have my own business running a sewing shop, and I have a rather tenuous relationship with my chap for 12 years plus.
    We are moving into 2017 with the new challenges of joining up the dots and hopefully moving forward to a single home in a couple of years.

    So while I attempt to get things done I will continue to keep my life on track by being accountable for my actions by committing what is going on here.
    I will see if I can remember how to post a link from one thread to another.
    Last edited by Mooloo; 02-01-2017 at 6:54 PM. Reason: Change title
    When I die I will know that I have lived, loved, mattered and made a difference, even if in a small way.
Page 23
    • Mooloo
    • By Mooloo 18th Apr 17, 7:58 AM
    • 9,001 Posts
    • 44,012 Thanks
    Mooloo
    I was on the road from 10am - 7pm in the end! With one 5 minute bathroom stop and a 40 minute lunch in a hotel enroute. The sat Nav originally estimated around 5 hours. Traffic was very heavy in deed through the southern counties. I will not be doing that again in a hurry. I think I will be earmarking some savings into a train fare fund to bring twin2 home once in a while. I am still very tired but I have to go to work as I have fittings booked at 9.30 and others between 3. And 4.30pm
    Dgd comes home today and will have to come to the shop with me for the rest of the day too.
    Luckily I don't have masses of work to do as I went in on Friday.
    I was going to walk to work but maybe I will have to drive as DGDs cases etc will need to be brought back home.
    I will be starting to take the gp this morning instead of the evening, and try to get into a routine with it.
    I have had my morning cuppa and really should be getting ready to go to work now, but all I want is to turn over and go back to sleep!
    When I die I will know that I have lived, loved, mattered and made a difference, even if in a small way.
    • Mooloo
    • By Mooloo 19th Apr 17, 7:41 AM
    • 9,001 Posts
    • 44,012 Thanks
    Mooloo
    Morning.
    I felt exhausted all day yesterday and only tackled easy jobs and fittings. I did walk to and from work. Got twin2 to drop DGDs stuff at home and bring her down to the shop.
    We bought a few yellow stickers bits and pieces in the co-op on the way home, and saved £14.40 on full price. Good start to the budget busting I need to do for a while until my bank balance is back on track.
    I have my eye test today as concerned about them deteriorating. Have to have an AMD test because both Mum and my brother has it. Worrying.
    A quick trip to help mum and then back home to sort out my clutter!
    When I die I will know that I have lived, loved, mattered and made a difference, even if in a small way.
    • Mooloo
    • By Mooloo 19th Apr 17, 6:47 PM
    • 9,001 Posts
    • 44,012 Thanks
    Mooloo
    Thankfully no sign of AMD in my eye test.
    No longer going to have bifocals as I just take them off most of the time in close work etc.
    I am going to get wraparound sunglasses that will cover my glasses instead of tinted as well.
    I went to see Mum, then my daughter as I picked up a boys bike in the charity shop for £10. That can go away for dgs4 when he is ready.
    I did manage a little housework but then it was time to get dgd from school and apart from cooking tea etc I have to confess that I got absorbed in watching old runs of Money for Nothing etc.
    It does make me want to learn more about other mediums than sewing. It's times like this when I wish I could retire early and just be creative. Instead I seem to get very little for my work. Around here people don't want to pay anything for handmade or one off items at all.
    I would like to think that my skills have some value that's for sure.
    I am going to have to get my diary out and bash it for a while and find my optimistic side as I am currently not feeling it.
    Bills, and debts seem to have me in a grip the last few days.
    The house insurance and my glasses have cost me two weeks wages today and as I desperately try to rebuild my bank balances I am fearful of the changes I am expecting with post adoption team, housing benefits and tax credits as well as DS has been getting paid cash and therefore he has not been sending money toward the rent to me, and the DD is due out on 28th for the full rent since they lost housing benefits with his new job.
    I can't feel optimistic anymore
    When I die I will know that I have lived, loved, mattered and made a difference, even if in a small way.
    • Mooloo
    • By Mooloo 20th Apr 17, 7:31 AM
    • 9,001 Posts
    • 44,012 Thanks
    Mooloo
    Woken up a grumpy granny!
    Had to have the windows open as too hot, and the noise levels woke me a lot. Next doors business associates start turning up from 6am! Van after van coming and going meant I might well have not bothered trying to sleep after 6.
    Dgd is supposed to be going on a school trip and is complaining she doesn't feel well. Somehow she has got access to Amazon digital downloads on the kindle and has been buying films. My email was full of instant payments that I had not expected and my account obviously has been depleted about 10 times in the last month. I am not a happy bunny.
    Money is very tight and I am worried that I will not have enough to pay the bills, especially the business ones, it's very tight.
    I have taken my eye off the ball a bit with holidays and family issues etc.
    Today I am going to have to get a grip and sort it out, or at least start to.
    Back to the drawing board and try and find out what else I have let slip.
    I am going to be overdrawn unless I move money from the emergency funds etc and that's not what I was planning to do. I usually am well prepared in advance of things.
    My house contents insurance was paid yesterday just short of £97, and my glasses were about £100 -a few pennies less.
    I need to get a grip. Stop feeling defeated and find something to reinvigorate and rejuvenate me and my world.
    I cannot let fear of lack start attracting more lack!!
    But I don't feel very optimistic at the moment.
    When I die I will know that I have lived, loved, mattered and made a difference, even if in a small way.
    • Eager_Elephant
    • By Eager_Elephant 20th Apr 17, 8:11 AM
    • 3,969 Posts
    • 21,033 Thanks
    Eager_Elephant
    Surely DS needs to step up again - it doesn't matter whether he is paid cash or not. He knows that rent has to be paid. Do not get into debt for DS and his GF.
    Could Biggest collect the money from him when she calls round?
    Could he not pay it into his bank and then transfer it? Even if he does not have a branch near him some banks let you pay in at Post offices.
    Can you drive over there on his payday to get the money?

    I know it seems a lot has left your account recently but it is all normal things that in an ideal world would have been saved up for.

    Can you consider today a whole new day and start afresh - so the bank of mum is shut and you only buy essentials. I think you have said before your cupboards and freezers are bursting - can you start eating some of that down?
    It's a nightmare with kids when they get hold of screens and manage to spend money but we live and learn and I know it won't happen again.
    Ninja Saving Turtle No. 4 for July
    NSD - 11/16
    (up to 21/7/17)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • Mooloo
    • By Mooloo 20th Apr 17, 8:24 AM
    • 9,001 Posts
    • 44,012 Thanks
    Mooloo
    Thanks EE
    I just need to get a grip again!
    I have mentioned the rent to DS but still haven't seen any money coming my way. I will message him again today and remind him yet again that he needs to pay me before the rent is due not after.
    When I die I will know that I have lived, loved, mattered and made a difference, even if in a small way.
    • dktreesea
    • By dktreesea 20th Apr 17, 6:50 PM
    • 5,552 Posts
    • 8,663 Thanks
    dktreesea
    I do agree with EE but I also have children trying to survive and run a household on very little money, who don't want to move back home even though it's pretty obvious to me, even though they don't smoke, drink or gamble, they don't earn quite enough to manage a household over the longer term. It just too hard, on them and me, to say no sometimes.
    • Eager_Elephant
    • By Eager_Elephant 20th Apr 17, 7:50 PM
    • 3,969 Posts
    • 21,033 Thanks
    Eager_Elephant
    I am not that harsh that I wouldn't support my own adult children but surely Mooloo should not be getting into debt by helping her kids.

    Its one thing to have the spare income to give freely to your adult children but quite another when a credit card is used as outgoings exceed income.

    I know Mooloo wants to help her kids and I am fully supportive of her but her income is not stable at present - there is the chance that the guardianship money will stop, if it doesn't this year then it could next year or the year after and she needs to think about her and DGD before anyone else.

    If Mooloo wants to help then surely food parcels are the way to go as then she knows they are at least eating and she can control the cost of this. Paying DS' rent won't be helping him understand that rent must come before everything else and should Mooloo keep a roof over her son's head while struggling to manage on her own income plus of course the rent will be a lot higher than the food shop!!
    Ninja Saving Turtle No. 4 for July
    NSD - 11/16
    (up to 21/7/17)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • Mooloo
    • By Mooloo 20th Apr 17, 8:59 PM
    • 9,001 Posts
    • 44,012 Thanks
    Mooloo
    I got a message returned from DS saying he now has his card, and gets paid tomorrow. I am not sure which card he means, but I will try and speak to him tomorrow and see if he can start paying me some money. As he gets paid on a Friday I may have to take a drive after work and collect the rent from him.
    I did start to write in my diary but got stopped in my tracks with Biggest calling. Dgd2 is off school ill, and so not much was going on, we chatted for a while then my next fitting arrived early so the chat was cut short, but Biggest has had a reasonable lump sum paid back to her after claiming a miss sold bank account so I won't need to help them with the church, now paid, the disco or the photographer, so that is a help. Technically I am not going to be paying for anything more, as they will be making the card payment for anything that they do have on my card. Any costs involved etc will be down to them. So far it is only the last payment for the rings that has gone on my card.
    I interviewed a woman about the sewing job however although she is a neat and fairly competent sewer if the sample she brought are anything to go by, she is not capable of doing the wedding alterations etc. She is also seeing her back surgeon next week with the possibility of needing surgery and 6 weeks out of action! So I have told her that she will need to see her surgeon first and that I would not be able to employ her then have to pay sick pay etc. That possibly she might be able to help with some of the mundane things like shortening trousers and skirts etc, but only if the surgeon gave her the all clear. She did mention being able to help in the shop if staff does retire later this summer.
    But I am not sure that she would be suitable really even though she was a pleasant enough woman.
    On the way home from work I picked up some dolmio sauce to do dinner and a couple of whiopsie TV dinners to chuck in the freezer for emergency meals or the CBA days.
    I spent £3.36
    This evening I did dinner, then went for a bath, and watched some find it flog it program recorded earlier in the week.
    Staff went an hour early today as there was nothing left to do for her by 1.30 and I was sewing the last job we had, but just before I finished it more work started to trickle in, and I have about half a dozen jobs in again for the morning.
    I am going to take the laptop to work and see if I can do something of the accounts, correspondence and even maybe access the website and see if I can fathom it out. I noticed a few extra £ signs in the price list when I was showing Biggest the site yesterday and I would love to try and upload more up to date pictures and sewing courses etc.
    But for now I may do a little reading before sleeping ( hopefully), an early night and a decent sleep will help me to refocus and rebuild my NO energy!
    As staff is not coming in it will be Sod's law the shop gets busy. (I hope so).
    When I die I will know that I have lived, loved, mattered and made a difference, even if in a small way.
    • Mooloo
    • By Mooloo 21st Apr 17, 7:26 AM
    • 9,001 Posts
    • 44,012 Thanks
    Mooloo
    My little travel kettle has started to leak, and while mopping up the water after I had poured my tea ( thankfully) I knocked the kettle over and spilt the boiling water ( luckily only a small amount, over my left foot! I have dashed down stairs and thrust my foot under the cold water tap to try and ease the burn! I think I have got away with two very small marks on the top of my foot!
    The news about Paris Attacks again is very worrying. The man on the TV has suggested that attacks may start anywhere and not just in big cities! What a terrible world it is turning into, with trigger happy rulers and massive bombs etc

    I am not sleeping too well and know that I need to find my positive mojo again. I will be on my own at work today so an ideal time to think about my future and my plans to drag myself back up again.
    I must not panic the work will come in, the sales will build, and I will manage.
    Time to wake dgd and get moving on with my day.
    Have a good one. We are after all lucky.
    We have a roof over our heads, clothes on our backs and food aplenty.
    When I die I will know that I have lived, loved, mattered and made a difference, even if in a small way.
    • dktreesea
    • By dktreesea 21st Apr 17, 12:49 PM
    • 5,552 Posts
    • 8,663 Thanks
    dktreesea
    I am not that harsh that I wouldn't support my own adult children but surely Mooloo should not be getting into debt by helping her kids.

    Its one thing to have the spare income to give freely to your adult children but quite another when a credit card is used as outgoings exceed income.

    I know Mooloo wants to help her kids and I am fully supportive of her but her income is not stable at present - there is the chance that the guardianship money will stop, if it doesn't this year then it could next year or the year after and she needs to think about her and DGD before anyone else.

    If Mooloo wants to help then surely food parcels are the way to go as then she knows they are at least eating and she can control the cost of this. Paying DS' rent won't be helping him understand that rent must come before everything else and should Mooloo keep a roof over her son's head while struggling to manage on her own income plus of course the rent will be a lot higher than the food shop!!
    Originally posted by Eager_Elephant

    I agree with you, but sadly debt is the way of small businesses up and down the land. Not necessarily credit card debt. It could be the rent of the shop that is outstanding, or suppliers' invoices for stock that need to be paid.


    It is strange about the rent though. For my generation, rent was always the first thing paid, even if it meant being a bit short on food. The priority was to keep a roof over yours and your children's heads and not end up on the street. I'm in my fifties now and I can remember a fear of homelessness that persists in my generation even today. Even bills - they got paid as soon as our pay came into our accounts. That, for me, meant banking a cheque so the pay wasn't cleared funds for (back then) 5 working days.


    Nowadays if you are in your 20s and trying to run a household, paying the rent is a far greater burden than it was when I was in my 20s on low wages.


    Yes, paying some or all of our children's rent once in a while won't impress on them the need to pay the rent first out of their own funds, but becoming homeless isn't going to help them or their parents either.
    • dktreesea
    • By dktreesea 21st Apr 17, 12:57 PM
    • 5,552 Posts
    • 8,663 Thanks
    dktreesea
    Have a good one. We are after all lucky.
    We have a roof over our heads, clothes on our backs and food aplenty.
    Originally posted by Mooloo
    We could all do with remembering this once in a while, including our children. Just my humble opinion, but, whatever you do, don't help others so much that you can't afford to spend on what I think of as sanity spends, e.g. going on holiday to the sun once in a while.
    • Mooloo
    • By Mooloo 22nd Apr 17, 7:52 AM
    • 9,001 Posts
    • 44,012 Thanks
    Mooloo
    I didn't sew a single stitch.
    I spent time writing in my diary when I first arrived at work, and continued to write while popping down stairs to serve customers, we had plenty of collections, and I am pleased to say that I got about 7/8 new jobs in.
    After I had written my thoughts and reiterated my dreams on the page, I got out the computer and started to update the accounts.
    Which I worked on through the day.
    I had two fittings just after the shop closed. One wedding dress and several skirts.
    BF collected dgd from after school club and she went out to play until dinner was ready.
    I used up the chicken burgers with sweet chilli sauce and basmati rice with the last of the salad leaves etc. It was yummy!
    The evening was spent watching tv and chilling.
    This morning I have a wedding dress fittings at 9.30 and a Back to Basic sewing workshop from 10-1 and children's lesson 2-3pm
    Although the shop shuts at 2.
    DS has said he will send me over £250 for the rent, and the same next week. I just hope he does.
    When I die I will know that I have lived, loved, mattered and made a difference, even if in a small way.
    • beanielou
    • By beanielou 22nd Apr 17, 8:51 PM
    • 46,585 Posts
    • 165,667 Thanks
    beanielou
    Here is hoping for the rent.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • Mooloo
    • By Mooloo 23rd Apr 17, 10:47 AM
    • 9,001 Posts
    • 44,012 Thanks
    Mooloo
    Message from DS he's having problems sorting out using his banking at the post office so I have told him that I will go and collect the money on Wednesday when I go to my Mums as I pass his village. I am in Oxford at BF's house so too far away to just pop back. Warned DS to put the money away and not dip into it!
    I didn't get the call from post adoption team I was expecting so it will probably be this coming week.
    I thought the sewing class basics went well. I felt good about the information I was able to pass on, and at the end I remembered to tell them about the Sewing Club. One lady paid the £10 to join and got her 10% off of her unpicker, (seam ripper), and now she will be coming back for her supplies to get her discount. ( the hook I think that's called).
    The children brought back the bunting they were making and we finished that. In our chat about the holidays etc, and discussing DGDs swimming with the dolphins, the eldest one said that she would be putting that on her bucket list. At 12 she has a bucket list! It lead to talking about dreams, visualisation techniques and time lines for goal setting!! Cricks!
    The bunting was finished and next time they come we are going to make pj shorts.
    I have a few part made pairs from a demonstration before so I will use them to demonstrate and possibly cut out some more for the earlier stages. Then finish a pair that dgd can have.
    I walked too and from work and it was a lovely day, so we drove over here to Oxford on the back road with the roof down!
    I have brought the laptop, the business journal and the diary etc with the aim of working on them today if BF doesn't have any plans for us. I know that we are having a roast lamb dinner as I got the meat from the butcher for him yesterday. God what a price at £18 that's so expensive it better be good!
    Better finish my tea and get started on something else.
    When I die I will know that I have lived, loved, mattered and made a difference, even if in a small way.
    • Almost-free
    • By Almost-free 24th Apr 17, 9:32 AM
    • 106 Posts
    • 286 Thanks
    Almost-free
    My son managed to buy downloads for his 3DS a coupe of years ago - abbey were brilliant and immediately blocked his attempts ( they look at your history and query anything new or different ) but Barclays were quite happy to let the little devil spend over £100 before finally phoning me 2 days later to ask if they were my purchases ��
    He had taken my cards out of my purse on a couple of days I hadn't been out and thought I was having 'no spend' days ��
    I took him to the abbey manager who read him the riot act - he was suitably chastened with no repeat !
    • Mooloo
    • By Mooloo 25th Apr 17, 7:50 AM
    • 9,001 Posts
    • 44,012 Thanks
    Mooloo
    Morning.
    I interviewed a new seamstress yesterday to help me with the alterations. I am going to trial her on Friday. Presuming that she will turn up. Ironically I am not very busy this week so far, so I am not sure what work she will be doing yet. However I have a few personal things that can be done to test her. She is a lady from Brazil and so speaks Portuguese, I may yet learn the language better.!
    I became a little ill yesterday, I have a UTI, and then a sore throat, and by 6.30 I was in bed with shivering and a headache.!
    Due to the UTI I was up and down to the loo all night.
    But in between I did sleep mostly.
    Dgd made me a cup of tea before she went to bed at 8pm bless her. Although this morning she is telling me she doesn't feel very well. I was supposed to be going to watch her school assembly today and then have a delivery here at home before I went back to work. So I have given her calpol and sent her back to bed. I will see how she is, and if I think she's just trying to get a day off I will take her in when I am going to work.
    If she is ill, I will have to cancel my plans and stay home, which as I don't feel brilliant is inviting. However now staff works elsewhere after 2.30 I need to do the shop until 4.30 as I have fittings booked in.
    For now it means I can take it slowly and get ready for later at a slower pace.
    When I die I will know that I have lived, loved, mattered and made a difference, even if in a small way.
    • Mooloo
    • By Mooloo 26th Apr 17, 7:13 AM
    • 9,001 Posts
    • 44,012 Thanks
    Mooloo
    I decided that dgd was pulling a fast one, and took her to school at 11am. She was not very happy with me and went into a hissy fit but I was not backing down.
    While I waited for the delivery I put bread to cook, did my hair dye and started to wash some fabric from a big bag of fabrics we were given a few weeks ago. So my kitchen and bathroom look like a Chinese laundry at the moment.
    I took work slowly as I still didn't feel 100% but I did go in. The man booked for a fitting at 4pm didn't turn up. I waited 20 minutes then went home.
    Collected dgd from after school club early and popped to Mr T for wine and flowers for my neighbour's birthday. So while dinner was cooking we popped around to see her and after dinner I sat watching TV! I went to bed fairly early and slept until 5.45! Longest sleep ever but I still feel tired.

    Today is my day off, and I am going to do a little bit of work around the house before I go to my Mum and do what ever she wants doing. I have to see about catching up with DS and getting some money from him for the rent too.
    Biggest is in need of help with caring for dgs4 when she goes on honeymoon so I have said that he will need to come to my house more between now and then then, as he doesn't know my house or myself that well really. I will need to have help in the shop those days then as he's too little to take to work and at nearly two he will be quite a handful!
    I will need to have him for three days as he will be going to someone else for the first three days but she can't get time off work the last three days.
    When I die I will know that I have lived, loved, mattered and made a difference, even if in a small way.
    • Mooloo
    • By Mooloo 27th Apr 17, 7:23 AM
    • 9,001 Posts
    • 44,012 Thanks
    Mooloo
    I managed to get £250 from DS although my transactions pending tells me that his DD has gone up to £418. And something pence, so I will have to hope that he also continues to give me back the rest each week. I will just have enough to cover it when it goes out tomorrow and I will need to find out how to pay the cash into my First Direct account as there is no physical bank. I am hoping that I can pay in over the post office counter.but at the moment I will be ok.
    My glasses are ready for collection today so staff is going to open up while I pop to the optician.
    The hamster has yet again gone missing! He can move the water bottle and get out through that. Dgd had a heavy book on top of the cage but he dislodged that around 12.30 last night as I heard the thud as it hit the floor! I went to check the cage and he was gone.
    Hopefully we will find him together today in her room.
    I am going to have to buy another cage if we do find him because I don't know how to hamster proof that one!!
    I better get moving I need a hair wash before work today.
    I had wet fabric hanging up in the bathroom yesterday so didn't do it last night. Hopefully the fabric will be dry now.
    When I die I will know that I have lived, loved, mattered and made a difference, even if in a small way.
    • CruisingSaver
    • By CruisingSaver 27th Apr 17, 7:36 PM
    • 359 Posts
    • 999 Thanks
    CruisingSaver
    Mooloo you can pay into any HSBC branch for First Direct accounts as they are owned by HSBC.

    CS
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

119Posts Today

2,056Users online

Martin's Twitter
  • Byebye! I'm about to stop work & twitter, to instead spend glorious time with Mrs & mini MSE. Wishing u a lovely summer. See u in 10 days.

  • WARNING Did you start Uni in or after 2012? The interest's rising to 6.1%; yet it doesnt work like you think. See https://t.co/IQ8f0Vyetu RT

  • RT @JanaBeee: @MartinSLewis Boris is the anomaly (coffee), the others are versions of normal (beer). Lots of same candidates = vote share d?

  • Follow Martin