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  • FIRST POST
    • Bubblesmum
    • By Bubblesmum 19th Jul 17, 11:44 AM
    • 1,056Posts
    • 6,115Thanks
    Bubblesmum
    Dancing through the rain with a smile and good cheer
    • #1
    • 19th Jul 17, 11:44 AM
    Dancing through the rain with a smile and good cheer 19th Jul 17 at 11:44 AM
    The other titlel to this could be Dancing through the rain of debt and chronic illness but I am determined not to be negative.

    I have had a diary before Life begins at 45, this was my first post on 28th July 2014 just shy of three years, and well life didn't begin and has been quite static.

    I had high hopes.....

    This is the 28th Monday I have been off sick due to my disability.

    Rather than totally focusing on my ill health.

    I wanted to begin to focus on positive things, to be proactive and regain some control in my life......... One area to do this is focusing on our budget and debt, especially as SSP is about a quarter of my salary.

    I know that this year is going to be a turning point . I am determined that this will be life affirming.

    I do count myself very privileged my OH and I live in a beautiful bungalow, over looking a water meadow near the Thames (was a little scary this year, when we became Noah's Ark, when the area flooded).

    We have two cats , nice cars, the ability to go on holiday, heat andhave yummy food in our tummies.

    However we have a reasonable amount of debt built up from making improvements on our home and escaping life for R & R.

    We are also both disabled and so we do have many additional costs along the way, if we want to live life in a healthy way. We both qualify for DLA but we may loose this under PIP despite having life time awards due to CP (me) and triple amputee (OH).

    Neither of us have worn our disabilities as who we are, we both have worked full time, in good jobs thanks to our parents refusing special schools in the 1970's and us getting fantastic academic educations.

    Now my disability is impacting my health and I worry about our debt, and how I am going to be able to financially contribute to our lifestyle in the future.

    So, this diary is about debt busting and exploring how I can creatively improve my income from home. (Going out to work is going to be severely restricted going forward).

    Look forward to sharing my world to others .....


    This summer I have become determined to change me just keeping my head above water ... so I think it is time to start a new diary.

    Old friends I hope to see and look forward to new ones....

    Deep breath here goes.....
    Mrs B Debt £1857 @ 13/06/2017, £1790 16/06/2017
Page 1
    • Bubblesmum
    • By Bubblesmum 19th Jul 17, 12:04 PM
    • 1,056 Posts
    • 6,115 Thanks
    Bubblesmum
    • #2
    • 19th Jul 17, 12:04 PM
    Painting a picture on life - my home
    • #2
    • 19th Jul 17, 12:04 PM
    My husband of 11 years, two cats and I live in a beautiful bungalow close to the Thames not far from the Big Smoke.

    We bought it 12 years ago when we got together, merging two established houses into one, we have a relatively small mortgage compared to the value of the property. We have a good interest only mortgage, which although we dream to pay off ourselves, would be comfortably paid off either if we downsized or when it is time to inherit from a close relative.

    If the latter sounds morbid, it is an open conversation with my remaining parent, who wishes to leave his disabled daughter securely off, and while alive he is very generous with supporting my disability needs.

    While enjoying the beauty of my home and garden, we did need to do home improvements and currently have a large loan that ends next spring . Started when I was still working, it has caused, us to struggle to live on one salary at the moment.

    Nearly every physical job in home and garden needs to be done by others s both OH and I have physical disabilities. Mostly we pay for help, from cleaning, gardening and odd jobs. I view this as helping others to earn a decent wage.

    Despite the challenges I know I am blessed....
    Mrs B Debt £1857 @ 13/06/2017, £1790 16/06/2017
    • beanielou
    • By beanielou 19th Jul 17, 12:13 PM
    • 47,867 Posts
    • 173,913 Thanks
    beanielou
    • #3
    • 19th Jul 17, 12:13 PM
    • #3
    • 19th Jul 17, 12:13 PM
    Happy shiny new diary Bubblesmum
    So looking forward to reading about your new adventures and your debt busting xxx
    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***
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 19th Jul 17, 4:31 PM
    • 8,242 Posts
    • 45,754 Thanks
    please-let-me-be-lucky
    • #4
    • 19th Jul 17, 4:31 PM
    • #4
    • 19th Jul 17, 4:31 PM
    Excited for your fresh start BM Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in October 6/5
    Lbs lost 18/107.
    • Bubblesmum
    • By Bubblesmum 25th Jul 17, 11:22 AM
    • 1,056 Posts
    • 6,115 Thanks
    Bubblesmum
    • #5
    • 25th Jul 17, 11:22 AM
    Bumpy New Start
    • #5
    • 25th Jul 17, 11:22 AM
    Morning all...

    Well you either laugh or you cry,

    Before I could come back on here .....

    Having had a really successful night directing, I came out of the building and went smack on tarmac.... Ouch!

    I am now very crooked, and had hoped to get to London to the osteopath today but he is not in, so have to wait till Friday. Trying to put most of life on hold to aid recovery, and not to make it worst, but some things I am really committed to.

    Here's my diary so far:

    Thursday - spent doing the am Dram accounts in readiness for the auditor... I have yet to finish them but getting there.

    Then SMACK , the lovely leading man picked me up

    Friday 21st - a slow day, more accounts and trip to the village, for library books, banking and cards as well as a coffee with the secretary of the Am Drams back to collapse in a chair, having to acknowledge I am very sore.

    Saturday 22nd - Messy Church in the morning, which went ok and I was feeling good, so we decided to go on a lunch date to a lovely pub we found in the CAMRA guide and I had rhubarb gin - yum, we managed a spot of shopping in a mini C@@P and then I pursuaded OHto stop in to a small nursery for a few plants - success, Happy, having had a lovely afternoon, then disaster again!! The electronic hand break was stuck on and would not shift.

    5 hours later we returned by taxi, well two due to our wheelchairs as the car could not be recovered, on Saturday night, after two attempts with the wrong kind of assistance.

    Sunday 23rd. Really struggling physically but had invited a houseful for a Christian Aid Was Up, OH was a star and it was a bring and chair nibbles - lovely afternoon despite feeling crap, with lots of left overs for us to eat

    Monday 24th - Late start, Admin in the morning, but really struggling to concentrate, fell asleep in the chair after lunch. OH took me to Am Drams

    and now sitting in the summer house, with a back that is but as Beanielou would say plodding on....
    Mrs B Debt £1857 @ 13/06/2017, £1790 16/06/2017
    • mary hinge
    • By mary hinge 27th Jul 17, 1:30 PM
    • 1,371 Posts
    • 6,339 Thanks
    mary hinge
    • #6
    • 27th Jul 17, 1:30 PM
    • #6
    • 27th Jul 17, 1:30 PM
    Happy new diary Bm!

    Sorry to hear about the faulty handbrake, I hope it isn't too difficult to fix!

    Enjoy your summer!

    Mrs H x
    Living in a superhero induced haze
    "You did good Kidda!"
    • October Starter
    • By October Starter 28th Jul 17, 2:36 PM
    • 649 Posts
    • 3,073 Thanks
    October Starter
    • #7
    • 28th Jul 17, 2:36 PM
    • #7
    • 28th Jul 17, 2:36 PM
    Happy new diary BM!!!

    October xx
    Loan: 6100.00 4542.08 ~~ Credit Card: 4231.82 #20 Emergency Fund: £249.96/£1000 25%!
    LBM 1: (20.08.14) -£5000.00 LBM 2: (25.07.17) -£9750.00 October Goals NSDs: 0/10, Ibs Lost: 0/10, Xtr Income: £0/£50
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 28th Jul 17, 7:10 PM
    • 8,242 Posts
    • 45,754 Thanks
    please-let-me-be-lucky
    • #8
    • 28th Jul 17, 7:10 PM
    • #8
    • 28th Jul 17, 7:10 PM
    Sorry about your fall. Hope osteo sorted you out today Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in October 6/5
    Lbs lost 18/107.
    • beanielou
    • By beanielou 28th Aug 17, 10:02 PM
    • 47,867 Posts
    • 173,913 Thanks
    beanielou
    • #9
    • 28th Aug 17, 10:02 PM
    • #9
    • 28th Aug 17, 10:02 PM
    Hope you are ok & recovering from your falls.
    Take care & keep plodding xxx
    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***
    • beanielou
    • By beanielou 7th Oct 17, 9:16 PM
    • 47,867 Posts
    • 173,913 Thanks
    beanielou
    Missing you.
    Hope all is well with you.
    Pop in & let us know how you are doing xxx
    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***
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