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  • FIRST POST
    • Buffythedebtslayer
    • By Buffythedebtslayer 25th Jul 17, 11:47 PM
    • 14,859Posts
    • 47,779Thanks
    Buffythedebtslayer
    Buffy Keeps on the Straight and Narrow
    • #1
    • 25th Jul 17, 11:47 PM
    Buffy Keeps on the Straight and Narrow 25th Jul 17 at 11:47 PM
    Hello,

    I used to post here loads and loads, I have been debt free since 2011 but I am due dental work (yes finally!) and need glasses and work done on the car, the house and the garden so am going to do a 0% balance transfer if I can time everything right and then work very hard on paying it off.

    I do have some savings but they are staying as an emergency fund, I like the security they give me. Plus they may well not be enough. In the back of my mind I think I am due a tax rebate as well, not had time to investigate yet.

    Some things have changed and some things stay the same. As a family we are having a very hard time and that is partly why I am back, I need a reminder not spend all the time and to try to find the cheapest ways to do things. Especially eating.

    Lately I have been buying things from Amazon like it doesn't cost me a thing and do not even get me started on the contactless payment option.....it is really bad!!

    I get paid tomorrow so a little sort out of the budgets and then an investigation of 0% BT offers.

    Love

    Buffy
    Saving all the money.............really I am !
Page 4
    • crazy_cat_lady
    • By crazy_cat_lady 3rd Sep 17, 4:52 PM
    • 3,327 Posts
    • 28,579 Thanks
    crazy_cat_lady
    Yes, me too. I feel ok at the moment, but doubt I'll get much sleep tonight.
    NSTSeptember #32 NSD 8/18 RYSAW17 #1 £1313.42 20p Savers #88 £1 a day for Xmas # DFD 6 Nov 15 - paid £28,447
    • Toni'sfriend
    • By Toni'sfriend 3rd Sep 17, 5:34 PM
    • 816 Posts
    • 7,284 Thanks
    Toni'sfriend
    Hello Buffy
    Just read your diary from the beginning and wanted to pop in to say hello. Sorry you've been having such a tough time lately.
    I've been doing the NST challenges for about a year now and they really have helped me keep focused. Not doing September because I'm on holiday. I'll be back for October.
    Hope things get better for you.
    Last edited by Toni'sfriend; 03-09-2017 at 5:39 PM.
    • Sun Addict
    • By Sun Addict 3rd Sep 17, 7:56 PM
    • 4,245 Posts
    • 23,242 Thanks
    Sun Addict
    My first day back at work tomorrow after 2 weeks off, not happy about it
    Virtual Sealed Pot £612.20
    September NSD 8/18
    Weight loss 0/7lbs
    Mr SA finally in remission December 2013
    • Buffythedebtslayer
    • By Buffythedebtslayer 3rd Sep 17, 8:58 PM
    • 14,859 Posts
    • 47,779 Thanks
    Buffythedebtslayer
    Reality Bites and the New Normal
    Evening,

    The reality is I am back to work tomorrow.

    It has been a hell of a stressful "holiday" and I don't feel rested or happy or like anything has changed for me personally. We are extremely lucky that my brother in law is alive. Progress is very slow but there and so we continue in the new normal. Which is taking my sister to the station and picking her up and hoping she has had a good day. I don't actually know how she does it. Well it is love in action I suppose.

    I got really upset today, realised in the last six weeks that I have been out about 4 times and not even seen my two best friends.

    It has really brought it home how much time I have wasted previously. All the cliches come true as you get older don't they? You think you have all the time in the world but you don't. I am increasingly aware that Mum needs much more looking after than before. She doesn't like eating at all, for example tonight she has refused dinner and just had a cup of tea. The situation with my BIL has also made me realise that I am now the only one who can keep an eye on her and look after her. She is beginning to forget things, things I have told her the day before for example.

    And she doesn't want me to do things like the shopping and meal planning because she wants to be involved. But then never wants anything to eat.

    And it is all on me, I mean it was to some extent before but I did have some help and actually my sister came round to see Mum, she can't do that now.

    Which means working late will be hard, winter will be hard and looking after the dogs is also going to be difficult.

    It does have to work out somehow and it will. But I have to be honest and say it doesn't feel like it right now.
    Saving all the money.............really I am !
    • beanielou
    • By beanielou 3rd Sep 17, 9:11 PM
    • 47,176 Posts
    • 169,475 Thanks
    beanielou
    I dont know what to say Buffster TBH.
    I am glad I am on my own.
    Take care 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***
    • in need of direction
    • By in need of direction 3rd Sep 17, 11:15 PM
    • 4,565 Posts
    • 25,583 Thanks
    in need of direction
    Buffy is your mum still not agreeing to seeing a dr? Maybe there's something they could do if there's something other than current stresses causing the poor memory.
    Mortgage at 01.01.14 £119,481.83 today £81,750.18, target £75,000 by 31/12/17 Offset fund today £3,975.43 target £5,500 by 31/12/17
    Emergency fund £5.5k & £200 cash.
    Current weight loss 1/34 by 28 feb 2018
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • crazy_cat_lady
    • By crazy_cat_lady 4th Sep 17, 7:02 AM
    • 3,327 Posts
    • 28,579 Thanks
    crazy_cat_lady
    Lots of love to you Buffy. I really feel for you because you haven't had a holiday at all, and you really sound like you need a rest.
    NSTSeptember #32 NSD 8/18 RYSAW17 #1 £1313.42 20p Savers #88 £1 a day for Xmas # DFD 6 Nov 15 - paid £28,447
    • Toni'sfriend
    • By Toni'sfriend 4th Sep 17, 9:25 AM
    • 816 Posts
    • 7,284 Thanks
    Toni'sfriend
    Buffy, could you have a word with your mother's GP. I know the're not supposed to discuss other patients with you but our practice were very helpful when my mother was getting on in years and doing similar things to your own.They might even welcome you explaining the situation and be able to suggest something or set your mind at rest that maybe this is more common than you realize. It is so difficult when you're trying to do things for the best and she's being stubborn. One thing I would say is take care of yourself. It's all too easy to put other people first and do keep in touch with your friends. I'm sure they would be happy to help in any way they could at this difficult time even if it's just walking the dogs for you.
    Hope things improve soon.
    • Sun Addict
    • By Sun Addict 4th Sep 17, 8:41 PM
    • 4,245 Posts
    • 23,242 Thanks
    Sun Addict
    Make sure you get some time for you. See your friends, have a day or night out away from the stress. The situation will sort itself out eventually but you might have to put up with a new normal indefinitely. It's hard I know. Take care xx
    Virtual Sealed Pot £612.20
    September NSD 8/18
    Weight loss 0/7lbs
    Mr SA finally in remission December 2013
    • beanielou
    • By beanielou 4th Sep 17, 9:29 PM
    • 47,176 Posts
    • 169,475 Thanks
    beanielou
    Wise words from SA xx
    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***
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 17th Sep 17, 12:03 AM
    • 977 Posts
    • 935 Thanks
    HairyHandofDartmoor
    Hi Buffy, I wanted to pop on and say hi. It's always tough when family is ill and it makes all your other problems seem worse. Stay strong and give yourself a break now and then. You can get through this.
    Debt at highest = £58,766 Current debt = £16,234

    Long Hauler No. 156 Spendaholics Anonymous No. 47
    • beanielou
    • By beanielou 17th Sep 17, 7:44 PM
    • 47,176 Posts
    • 169,475 Thanks
    beanielou
    Hope things are more on the straigt and narrow now.
    Take care Buffster 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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