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
    • Dorastar
    • By Dorastar 2nd Aug 17, 6:03 PM
    • 1,764Posts
    • 15,245Thanks
    Dorastar
    Starting over 2017
    • #1
    • 2nd Aug 17, 6:03 PM
    Starting over 2017 2nd Aug 17 at 6:03 PM
    Just as the title suggests really, starting over after the ugliest of years ever. Family illness, my own illness and now losing my job means it's time to start over.
    Need to do my SoA so that's the plan over the next few days and then tackle everything head on, interest only mortgage, negative equity, credit card, bank loan, Tesco loan and get a new job/career. It ain't gonna be pretty but we will get there. Wish us luck
Page 6
    • Dorastar
    • By Dorastar 27th Nov 17, 6:56 PM
    • 1,764 Posts
    • 15,245 Thanks
    Dorastar
    A few surveys done and some work for side hustle done too. Still job hunting and NSDaying my way through the week.
    Mr T 14567.64 Bank 6056.16 Mortgage £160,000
    Emergency Fund £854.29 Blanket squares 29/60
    • Dorastar
    • By Dorastar 28th Nov 17, 5:39 PM
    • 1,764 Posts
    • 15,245 Thanks
    Dorastar
    £24 cashed in from PA and another side hustle meeting booked in for next week, each one pays about £40 so will have done 8 by end of next week. Won't pay the mortgage but it's a help. Another application taken in today and about three to do for Friday.
    Mr T 14567.64 Bank 6056.16 Mortgage £160,000
    Emergency Fund £854.29 Blanket squares 29/60
    • redofromstart
    • By redofromstart 28th Nov 17, 7:57 PM
    • 624 Posts
    • 3,547 Thanks
    redofromstart
    Hope the applications go well, hard work filling them in.
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 28th Nov 17, 9:07 PM
    • 2,268 Posts
    • 10,896 Thanks
    HairyHandofDartmoor
    Good luck with the job hunting, I'm sure you'll get something soon but it's hard and demoralising work doing all the applications.
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 October 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund
    Emergency Fund 1 = £818/Emergency Fund 2 = £203.76
    • Dorastar
    • By Dorastar 29th Nov 17, 8:19 AM
    • 1,764 Posts
    • 15,245 Thanks
    Dorastar
    Thanks, loathe doing applications because they take so long and then you just send them off & rarely get feedback. Woke up this morning to another book sold on Amazon so a win already - taking every positive I can ��
    Mr T 14567.64 Bank 6056.16 Mortgage £160,000
    Emergency Fund £854.29 Blanket squares 29/60
    • redofromstart
    • By redofromstart 29th Nov 17, 12:20 PM
    • 624 Posts
    • 3,547 Thanks
    redofromstart
    Yes it is tricky to second guess. I did a contract with a council recently and it was an opener seeing how they shortlisted. I would never have got an interview if I had applied direct. You had to go through the requirements point by point and give (multiple) examples of how you met the criteria. eg Proficient with microsoft office - I have used office in a work context for over x years, and have used X, Y, Z to produce X, Y, Z would get full marks. Not mentioning it at all got you zero and off the list (if it was essential), and anything in between was scored appropriately. It wasn't enough for it to be 'experience of X essential' and then say I have been advising on x for 20 years - see CV. That was 1 point. Zero points if I just assumed they would look at past experience. To get full marks I would have had to write a full description, x years as Y, covering z and everything up to X.
    • Dorastar
    • By Dorastar 29th Nov 17, 12:49 PM
    • 1,764 Posts
    • 15,245 Thanks
    Dorastar
    Think that's where I need to be far more specific about my teaching, have already changed supporting letter significantly and also added in some more details about wages as I am taking a huge step down financially so that needs to be clearly stated. The forms don't have any space for that kind of info.
    Mr T 14567.64 Bank 6056.16 Mortgage £160,000
    Emergency Fund £854.29 Blanket squares 29/60
    • Dorastar
    • By Dorastar 30th Nov 17, 10:38 PM
    • 1,764 Posts
    • 15,245 Thanks
    Dorastar
    Sold another book today and worked supply & a meeting so a win money wise and NSD because I didn't have time to even see a shop! 2 applications in and an agency interview tomorrow, busy is much better than bored
    Mr T 14567.64 Bank 6056.16 Mortgage £160,000
    Emergency Fund £854.29 Blanket squares 29/60
    • Dorastar
    • By Dorastar 1st Dec 17, 2:16 PM
    • 1,764 Posts
    • 15,245 Thanks
    Dorastar
    Pay day for the hubby so done some more Santa shopping today, almost done apart from the food. Hubby is working on Christmas day so that will save us a lot of spending as the kids aren't bothered about the whole massive foodfest tbh. Last time they wanted pizza and lasagne when he was working - they did, in their PJs bad mum alert!
    Timesheet sent in, HMRC documents filled in, books dispatched and two job applications sent in. Off to a Christmas fair soon to buy up a few stocking fillers.
    Mr T 14567.64 Bank 6056.16 Mortgage £160,000
    Emergency Fund £854.29 Blanket squares 29/60
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 1st Dec 17, 8:11 PM
    • 2,268 Posts
    • 10,896 Thanks
    HairyHandofDartmoor
    You'rd having a very efficient day, have a lovely weekend .
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 October 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund
    Emergency Fund 1 = £818/Emergency Fund 2 = £203.76
    • Dorastar
    • By Dorastar 2nd Dec 17, 3:51 PM
    • 1,764 Posts
    • 15,245 Thanks
    Dorastar
    Not so efficient today, mostly on a go slow and enjoying some peace and quiet with the kids, they're both tired and have pretty low expectations of the weekend. Need to do a food shop soon cos there's hardly anything fresh in the house
    Mr T 14567.64 Bank 6056.16 Mortgage £160,000
    Emergency Fund £854.29 Blanket squares 29/60
    • Tea&Kittens
    • By Tea&Kittens 2nd Dec 17, 3:58 PM
    • 170 Posts
    • 641 Thanks
    Tea&Kittens
    Hi, just found your thread! Slow days are ok , particularly this time of year!
    October: NSDs 6 / 17 NSDs in a row: 1 / 5
    I started my debtfree journey on 07 September 2017: Total: £20,521 £19847
    Barclaycard: £14659 £14435 Oct 2017 HSBC Credit Card : £3112 £3012 Oct 2017
    Overdraft: 350 £0 Oct2017 MBNA : 2400
    A journey of a thousand miles starts with a single step. I'm on my way!
    • beanielou
    • By beanielou 2nd Dec 17, 5:45 PM
    • 49,047 Posts
    • 182,123 Thanks
    beanielou
    Slow days are good
    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***
    • Dorastar
    • By Dorastar 2nd Dec 17, 6:46 PM
    • 1,764 Posts
    • 15,245 Thanks
    Dorastar
    Food shop done and the hungry ones are putting it all away in the kitchen. For some unknown reason they have demanded pancakes for tea - be Easter eggs for breakfast next ��
    Mr T 14567.64 Bank 6056.16 Mortgage £160,000
    Emergency Fund £854.29 Blanket squares 29/60
    • beanielou
    • By beanielou 2nd Dec 17, 6:51 PM
    • 49,047 Posts
    • 182,123 Thanks
    beanielou
    Nowt wrong with Easter eggs for breckie
    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***
    • Dorastar
    • By Dorastar 3rd Dec 17, 10:04 PM
    • 1,764 Posts
    • 15,245 Thanks
    Dorastar
    Sorted out a few bits and bobs today and visited family. Managed to persuade the boy that he'd really like to go on packed lunches after Christmas, should save us quite a bit overall. More or less got Christmas sorted now apart from the food and hubby is working Christmas day so we won't be overdoing it then either. Tomorrow is another supply meeting, typing up minutes and then some batch cooking to stock up the freezer with a few meals. Apart from parking and dinner money it should be a NSD. Got to get a bank statement to see how the finances are going but hopefully will have some to shove off the debts.
    Mr T 14567.64 Bank 6056.16 Mortgage £160,000
    Emergency Fund £854.29 Blanket squares 29/60
    • redofromstart
    • By redofromstart 4th Dec 17, 10:47 AM
    • 624 Posts
    • 3,547 Thanks
    redofromstart
    My DS requests pancakes once a month or so, he also quite likes savoury ones. Chicken scraps, bits of veg, cheese sauce, etc.

    I want an easter egg now
    • Dorastar
    • By Dorastar 10th Dec 17, 6:20 PM
    • 1,764 Posts
    • 15,245 Thanks
    Dorastar
    No idea how my kids eat so much, I fill the fridge only to find it virtually empty within days. Thankfully it's pretty much soup weather at the moment so hubby and I are filling up on that and homemade bread for lunches. Need to do a fridge clean and menu plan this evening and then food shop tomorrow. Hardly any snow here so no problems with shopping.
    Mr T 14567.64 Bank 6056.16 Mortgage £160,000
    Emergency Fund £854.29 Blanket squares 29/60
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

5,042Posts Today

4,181Users online

Martin's Twitter
  • Have a lovely weekend folks. Don't do anything (fiscally) that I wouldn't do!

  • RT @thismorning: With his last deals of the year, @MartinSLewis wishes us all a 'very merry Christmas, a happy Hanukkah and a wonderful and?

  • RT @stoneygran: @MartinSLewis I furtively used a pub toilet last night before getting on the bus and felt really guilty!

  • Follow Martin