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  • FIRST POST
    • sashybo
    • By sashybo 2nd Jan 17, 10:55 PM
    • 2,293Posts
    • 17,708Thanks
    sashybo
    Sashybo - Back Again
    • #1
    • 2nd Jan 17, 10:55 PM
    Sashybo - Back Again 2nd Jan 17 at 10:55 PM
    Hi all, has been a good long while this time since I've had a diary, think this is number 4 overall. My last diary can be found HERE.

    Current debt now under 10K. This is mostly made up of loans we had to take out to cover the negative equity of the flat we sold a couple of years ago.

    I must admit we have slipped occasionally and had to do a couple of BT's etc as got into a bit more debt when we bought a new house & wanted shiny new things to go in it.

    Overall, things are headed in the right direction but now we have a new challenge as DH & I are expecting a baby in May.

    I only get 3 months full pay then 3 months half pay on maternity leave in my job & won't be able to go back full time as we both do shift work and there's no way to work childcare around the shifts we do (7 days in a row & many unsociable hours to boot). So we'll have to reduce the spending & batter the debt as will have a smaller income.

    So I've come crawling back - I find having a diary here does help to keep me focused and stop so much silly spending.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - 8110 extra paid off debt. Total Debt paid off 41,106.12
    Loans 1 & 2 6506.99, Car loans 26,146.06
Page 9
    • Treadingonplaymobil
    • By Treadingonplaymobil 4th Mar 17, 7:00 AM
    • 546 Posts
    • 4,396 Thanks
    Treadingonplaymobil
    Oh god it's very irritating when people are like that! First grandchildren can bring out all sorts in grandparents I found. Definitely been more chilled the second time around. But have to say it's better to know they want to help than having no interest.
    Originally posted by Bobarella
    Our lot (all parents divorced and remarried, so LOTS of grandparents) all proved themselves to be highly irritating, know it all and competitive with the first grandchild, generally much more relaxed with the second, and on the whole totally disinterested with the third. I'm not even sure we got a card from all the parents!
    67,031.92 is a frightening number indeed... The debt free diary of one family and their enormous debt
    LBM debt on 12th February 2017/DFD: 67,031.92/1st December 2026
    debt on 6/3/17/DFD: 64,738.29/1st August 2026
    • sashybo
    • By sashybo 4th Mar 17, 10:08 PM
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    • 17,708 Thanks
    sashybo
    Thanks guys, glad to know it's not just my in-laws. My mum already has 6 grandchildren so she's a lot more chilled although I know she's excited because it's DH & I's first child.

    Bob & TOPM, I just think my in-laws will be a bit more uptight because they're worrying about being far away from the baby & it not knowing them, plus DH is their only child and they seem to put a lot of pressure & expectation on him because of this (whether they mean to or not).

    I think they find me prickly because I disagree with them over things or don't hide my annoyance when they interfere. They put on these faces sometimes like "Oh she's so difficult but we're trying our best" which annoys me even more!

    I know they're generally trying to help so have been trying the nod-and-agree-then-do-what-I-want-anyway tactic more recently. I think that may be more difficult when it comes to the baby though.

    You're right paws, it was good of them to send us money to get things for the baby, they didn't need to do that and it will be a big help.

    Went to see my mum after work today and she had my youngest niece there (6 months). So had fun playing with the baby & making her laugh, she's quite a laid back little chunky monkey. Had dinner there then came home and ironed the work shirts. DH on late shift so I'll be heading to bed soon.

    Meeting a couple of friends after work tomorrow afternoon for coffee, one is my friend who's also pregnant - her due date is Monday! She's fed up waiting for the baby to arrive already.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - 8110 extra paid off debt. Total Debt paid off 41,106.12
    Loans 1 & 2 6506.99, Car loans 26,146.06
    • sashybo
    • By sashybo 5th Mar 17, 10:59 AM
    • 2,293 Posts
    • 17,708 Thanks
    sashybo
    Just on my break at work, looks like coffee after work is postponed as one of my friends isn't feeling great.

    Forgot to mention yesterday that I bought a few things in the shop on my break. Got 2 plastic car boot liners to try & keep the boots of both cars cleaner & tidier, at least they're only 1 each if they're rubbish. Also bought a couple of board books for the baby - I know this is one area that I'll have to control the spending as I love books and really want to get the baby into them.

    Also one of my tomato seeds has germinated - a green shoot has appeared. Also some very small shoots appearing for the lobelia.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - 8110 extra paid off debt. Total Debt paid off 41,106.12
    Loans 1 & 2 6506.99, Car loans 26,146.06
    • sashybo
    • By sashybo 6th Mar 17, 7:33 PM
    • 2,293 Posts
    • 17,708 Thanks
    sashybo
    Was too tired to update again last night - really felt terrible so had an early night. Feeling a bit better today but glad I only have 3 more early shifts to go!

    Housework has mostly been abandoned as feeling so tired. Might try a bit of ironing tonight to make a dent in the giant pile but will see how I feel.

    Went to Ald! with DH after work today & got a fair amount of food which should last us a good while (fingers crossed). Bought some pears as seem to have taken a liking to them (or the baby has!) I've always hated pears so a bit weird to suddenly like them.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - 8110 extra paid off debt. Total Debt paid off 41,106.12
    Loans 1 & 2 6506.99, Car loans 26,146.06
    • sashybo
    • By sashybo 7th Mar 17, 4:24 PM
    • 2,293 Posts
    • 17,708 Thanks
    sashybo
    Actually managed to do all of my ironing last night before bed.

    Today I got home from work to discover that Y0del had decided to ditch the 2 isofix bases we bought for the baby's car seat literally on my front door step. Literally in front of my door. Where anyone driving past could see them (and the boxes were also helpfully labelled & branded so you see what was inside them). The isofix bases that cost rather a lot of money.

    I couldn't move them as they were too heavy & had to kick them to the side a bit so I could get in my front door. Luckily the girl across the street arrived home just after me and came over and offered to move them for me, which was very kind of her. So needless to say DH & I will be complaining.

    When I finally got in the door, I managed 15 mins on the cross trainer and then cleaned the bathrooms. Going to chill out now until DH gets home.

    Payday on Friday, so will be able to pay a bit extra off the debt (hopefully). Up to 10.35 on 0nepoll too. Still trying to do a few surveys a day across various sites.

    I must confess I was bad and have ordered myself a dress and a tunic top from Seasalt in their sale. Their stuff is lovely quality and I love it but so pricey. Even the sale prices are a bit steep. I'm hoping there might be a bit of stretch so I can wear them whilst pregnant but they might not fit at this point and will have to be saved for after the baby.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - 8110 extra paid off debt. Total Debt paid off 41,106.12
    Loans 1 & 2 6506.99, Car loans 26,146.06
    • Bobarella
    • By Bobarella 7th Mar 17, 6:41 PM
    • 10,550 Posts
    • 67,795 Thanks
    Bobarella
    Hi Sashybo

    How rubbish about them leaving your expensive items there!!! These delivery people don't care half the time.

    I was wondering the other day whether you'd sorted out your job situation with the shift pattern stuff you were talking about?

    Bob
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from 40k in the hole 2012.
    Roadkill 17 53.62 2016-62.28 2015- 84.20)
    RYSAW17 1805.58 2016 2,535.16 2015 1027.20
    • boxofpaws
    • By boxofpaws 7th Mar 17, 7:04 PM
    • 352 Posts
    • 1,417 Thanks
    boxofpaws
    Hello Sashybo,

    I too rediscovered pears about a year ago. They're the best!

    Well done on doing the ironing, hope the board didn't attack you!

    You need clothes when your body is changing shape

    Paws
    Debt 03/01/17 = 42000
    Debt today = 36933
    • sashybo
    • By sashybo 8th Mar 17, 7:35 PM
    • 2,293 Posts
    • 17,708 Thanks
    sashybo
    Bob, I can't get anything sorted until I'm on mat leave & then have to apply for a job share (which the company can refuse if they deem it not suitable for business needs). If I apply beforehand they can then give me less maternity pay as I won't be classed as full time. Even though I've worked for them for nearly 7 years full time!

    So basically a right pain in the a** all this job share stuff. They make it as difficult as possible whilst claiming to be "family friendly".

    Paws I tamed my ironing board years ago, no attacks here.

    I've always hated pears, ever since I can remember so very weird - think the baby likes them.

    Been a busy-ish day, went to the chiropractor after work & she has changed my appointments from 4 weekly to 3 weekly as said my pelvis was " not good at all" today and will be a case of maintenance rather than fixing it until after the baby arrives.

    My friend had her baby yesterday, a boy at 9lb 2 so quite big! She had the baby 1 day after her due date so quite good going. I just know I'll be early or late. Hoping to finish work about a week before my due date but just depends how tired I am and how everything is going.

    I'm just chilling out for a while, might have a bath & then head to bed early as very tired again today. Got blood test results from the midwife & they're not happy with my iron levels so need to see the doctor for a prescription of iron tablets. Last time I had them they made me feel sick as irritated my stomach, hopefully will be OK with them but can't get an appointment until next week anyway.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - 8110 extra paid off debt. Total Debt paid off 41,106.12
    Loans 1 & 2 6506.99, Car loans 26,146.06
    • Bobarella
    • By Bobarella 8th Mar 17, 7:53 PM
    • 10,550 Posts
    • 67,795 Thanks
    Bobarella
    Gosh that is a huge pain. Not at all easy to plan!

    I hope you won't go to far over, it gets very irritating after a while. What's your due date? Or roughly if you don't want to say.
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from 40k in the hole 2012.
    Roadkill 17 53.62 2016-62.28 2015- 84.20)
    RYSAW17 1805.58 2016 2,535.16 2015 1027.20
    • sashybo
    • By sashybo 8th Mar 17, 8:10 PM
    • 2,293 Posts
    • 17,708 Thanks
    sashybo
    Yes it's a total pain Bob. Oh well.

    Due date is 19th May, still another 8/9 weeks at work - fingers crossed I don't go over or as you say not too long. My friends & I are all very impressed with our friend only going 1 day over with her first baby.

    Forgot to say that my sister was up with her 3 youngest for a flying visit earlier today. The kids were running about mad & wanted to see in every room, I quote "It's like a mansion!" I have a 4 bed house & they live in a 4 bed flat.

    Then the 8yo twins were looking for my big middle cat (he hides from them as doesn't like the noise) & found him under my bed "Oh thank goodness he's there, I thought you might have sold him!" I said that's like saying I'd sell one of my children and they looked very serious before asking if I really felt like the cat was my child. I said well I look after him so yes except he's furry and can't talk back to me.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - 8110 extra paid off debt. Total Debt paid off 41,106.12
    Loans 1 & 2 6506.99, Car loans 26,146.06
    • boxofpaws
    • By boxofpaws 8th Mar 17, 10:44 PM
    • 352 Posts
    • 1,417 Thanks
    boxofpaws

    Then the 8yo twins were looking for my big middle cat (he hides from them as doesn't like the noise) & found him under my bed "Oh thank goodness he's there, I thought you might have sold him!"
    Originally posted by sashybo


    They sound hilarious!
    Debt 03/01/17 = 42000
    Debt today = 36933
    • sashybo
    • By sashybo 9th Mar 17, 9:04 PM
    • 2,293 Posts
    • 17,708 Thanks
    sashybo
    Paws, they are a pair of comedians at times.

    Long day today as went out for lunch straight from work with a couple of the older ladies on my shift. Was nice food and home by 7pm.

    DH away to see a friend for a couple of days so left to my own devices. Have cleaned out the cat litter trays as they were minging & put a washing on, will prob stick another on once it's done as washing basket pretty full.

    I now have 3 shoots from my tomato seeds. Need to check on my sweet peas tomorrow.

    Planning to have a nice relaxing day tomorrow where I don't need to go anywhere or do anything too much.

    Also payday tomorrow so will try and make an overpayment to loan no 1.

    The tunic & dress I ordered from Seasalt arrived today - they are both a bit stretchy and very comfy so I can wear them (at least for a while) even with the baby bump.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - 8110 extra paid off debt. Total Debt paid off 41,106.12
    Loans 1 & 2 6506.99, Car loans 26,146.06
    • Bobarella
    • By Bobarella 9th Mar 17, 11:20 PM
    • 10,550 Posts
    • 67,795 Thanks
    Bobarella
    I love how literal children are. That's the comedy factor for me.
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from 40k in the hole 2012.
    Roadkill 17 53.62 2016-62.28 2015- 84.20)
    RYSAW17 1805.58 2016 2,535.16 2015 1027.20
    • sashybo
    • By sashybo 10th Mar 17, 11:27 AM
    • 2,293 Posts
    • 17,708 Thanks
    sashybo
    Bob, my nieces & nephews think I'm nuts because they take the things I say literally and don't understand when I'm joking sometimes.

    They were really puzzled when they found potatoes sitting in an egg carton on the windowsill in one of the bedrooms. We're first time potato growers & apparently this is called chitting which helps them grow better once you plant them. They just looked at me like "She's crazy!".
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - 8110 extra paid off debt. Total Debt paid off 41,106.12
    Loans 1 & 2 6506.99, Car loans 26,146.06
    • sashybo
    • By sashybo 10th Mar 17, 11:39 AM
    • 2,293 Posts
    • 17,708 Thanks
    sashybo
    Payday today so have been shuffling some money around.

    Have made an extra payment of 25 off loan no1 & an extra payment of 20 off loan no2. The monthly repayment for loan no1 comes off today as well, so with the extra payment it's now (just) in the 2100's , interest still to be added though so may jump just above 2200 again. Loan no2 is now in the 5800s and the monthly payment is still to come out which will take it to the 5600s.

    Debt total for loans 1 & 2 will go under 8k when the monthly payment goes out for loan no2 in roughly 10 days.

    Car loans not moving as don't need to make any payments until May.

    No real plans for today, have more work shirts to iron (feels like I'm never done ironing these days) and have already put the clean towels I washed last night away.

    Both sets of wall stickers for the baby's room have arrived & DH said he will move the stuff in there out, measure for the blind and re-do the gloss in there on Monday (we'll see ).

    Our friends are either going to drop the cotbed off for us over the weekend or we will pick it up from them the following week. Still need to get a chest of drawers for the room as well. The baby fund is looking fairly healthy so the money is there for the things we need.

    I need to investigate changing bags, changing mats, cotbed mattress, bedding and sterilisers as have none of these at present.

    Also have to get some presents wrapped - a wee outfit for my friend's new son which I bought the other day (got jeans & a t-shirt for 10 in 3-6 month size, not too bad & got gift receipts in case she wants to swap sizes or change the stuff altogether) and a birthday present for our friend's wee girl who is 5 later in the month. Have the cards and stuff so might as well get it wrapped and out of the way.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - 8110 extra paid off debt. Total Debt paid off 41,106.12
    Loans 1 & 2 6506.99, Car loans 26,146.06
    • Treadingonplaymobil
    • By Treadingonplaymobil 10th Mar 17, 2:58 PM
    • 546 Posts
    • 4,396 Thanks
    Treadingonplaymobil
    Well done on the overpayment!
    67,031.92 is a frightening number indeed... The debt free diary of one family and their enormous debt
    LBM debt on 12th February 2017/DFD: 67,031.92/1st December 2026
    debt on 6/3/17/DFD: 64,738.29/1st August 2026
    • sashybo
    • By sashybo 10th Mar 17, 11:22 PM
    • 2,293 Posts
    • 17,708 Thanks
    sashybo
    Thanks Top.

    Have done all of my ironing & put it away. Also wrapped the presents and remembered another that needed done too, so pleased with that.

    Spent a lot of the day researching baby products online - looked at changing mats, changing bags, cotbed mattresses, bedding & sterilisers. Haven't bought anything but have a better idea of what is out there & prices. Also did a few surveys whilst I was on the pc.

    Have requested some Payp@l money from one of my survey sites, so that will be another 8 off the debt when it arrives. Up to 11.70 on 0nepoll. Have also requested another 5 @mazon voucher from swagbucks as still can't get p@ypal from them. This will take my total to 20 worth of vouchers that I can use for baby things.

    Think I'll head to bed soon and try to get a decent sleep, keep waking up uncomfortable or needing to pee, the joys of pregnancy.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - 8110 extra paid off debt. Total Debt paid off 41,106.12
    Loans 1 & 2 6506.99, Car loans 26,146.06
    • sashybo
    • By sashybo 11th Mar 17, 10:47 AM
    • 2,293 Posts
    • 17,708 Thanks
    sashybo
    Slept not too badly which is good, not planning on doing much today although might go and see my mum later. She's off to Rome tomorrow (jealous ) for a short break. Need to remember to feed her cats and let them in and out. She works long shifts so they're used to being out and about for long periods of time.

    Checked the balance of loan no1 & the interest has been added so had jumped back up to just over 2200 - had 2.50 survey money arrive so have paid that off the loan, which then left a small amount to get it back into the 2100s so have just paid it.

    Waiting on around 80 survey money arriving, hoping to use most of it towards the debts.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - 8110 extra paid off debt. Total Debt paid off 41,106.12
    Loans 1 & 2 6506.99, Car loans 26,146.06
    • Scott_Weiland
    • By Scott_Weiland 11th Mar 17, 12:09 PM
    • 282 Posts
    • 500 Thanks
    Scott_Weiland
    80 quid survey money is good which sites have you used?
    Debts 16349.33
    • sashybo
    • By sashybo 11th Mar 17, 12:31 PM
    • 2,293 Posts
    • 17,708 Thanks
    sashybo
    Hi Scott, the bigger payments I'm waiting on atm are from Globaltestmarket & My Survey UK and the smaller ones are p!necone & 0pinion Outpost.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - 8110 extra paid off debt. Total Debt paid off 41,106.12
    Loans 1 & 2 6506.99, Car loans 26,146.06
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