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  • FIRST POST
    • starnac
    • By starnac 22nd Nov 17, 1:57 PM
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    starnac
    Room for a little one?
    • #1
    • 22nd Nov 17, 1:57 PM
    Room for a little one? 22nd Nov 17 at 1:57 PM
    Well I am back again. I've been around these boards for a number of years and have made some good friends here.

    Back last year I finally became debt free and it has been great. We loosened the belts for a bit and enjoyed life a bit more. It's amazing what not having the pressure of debt can do to your outlook.

    But I've missed being here. We have spent money on "wants" not "needs" and we really need to get back to keeping a closer eye on our finances again.

    I've been thinking of coming back for a while but didn't feel right as I no longer had any debt (bar our mortgage), however as of yesterday we are back in our overdraft.

    I feel pretty cross with myself for going overdrawn but it really couldn't be helped. It's going to sound very un-MSE when I tell you the reason but please bear with me.

    My step dad has recently had a terminal diagnosis and so I have just paid for a family holiday just after Christmas. We had money saved but this has cost more than we had saved as his medical needs has pushed up the price. My sister will be paying towards the cost too so the amount of my overdraft will come down by the end of the week but we will still be about £200 overdrawn.

    I know it's ridiculous going into debt for a holiday and that's why I feel guilty. But it's needed. My children need some happy memories with him while he is still well enough. So does my mum.

    So here I am! Back in the friendly, welcoming arms of the DFW's.
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Page 1
    • starnac
    • By starnac 22nd Nov 17, 2:18 PM
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    starnac
    • #2
    • 22nd Nov 17, 2:18 PM
    • #2
    • 22nd Nov 17, 2:18 PM
    A bit about me for those who don't know me.

    There's me, DH and two children. I want to say "little ones" but I don't think they would count as "little" anymore DD would probably roll her eyes at me calling her that too! *rolls eyes first*

    I already have a lot of MSE ways drummed into me but it doesn't hurt to remind me now and again.

    For instance, I finally replaced my loyalty card at a supermarket I visit often for top up shops. I don't spend much but I pop in there at least once a week. So I am now collecting points again that can be exchanged for vouchers. Those points were going to waste before but now they can work for me! Small wins
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    • 117pauline
    • By 117pauline 22nd Nov 17, 2:22 PM
    • 595 Posts
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    117pauline
    • #3
    • 22nd Nov 17, 2:22 PM
    • #3
    • 22nd Nov 17, 2:22 PM
    Hi starnac

    What a good reason for an overdraft even if it is for such a sad reason.

    You are absolutely right about making memories whilst he is still able to do so. It seems to me the perfect meaning of Christmas, time spent with family. Yes, I am sure there will be sad moments however the happier ones will take presidence.

    As a suggestion, why not get everyone to take part in creating a family scrapbook including videos and/or voice tapes of the family. It can focus on the good times and can be a comfort during the not so good. Perhaps voice recordings of the children on his phone?

    I hope that doesn't sound too morbid. If it does let me know and I can delete the post.

    I don't think you should be too cross with yourself, in fact the opposite. Christmas should be a time of thinking of others and that is what you are doing.

    Take care
    Pauline
    Don't get it perfect - Get it going
    Better Than Before
    • starnac
    • By starnac 22nd Nov 17, 2:26 PM
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    starnac
    • #4
    • 22nd Nov 17, 2:26 PM
    • #4
    • 22nd Nov 17, 2:26 PM
    Hi Pauline. Thank you for your post.

    No it doesn't sound morbid at all. Thank you for the suggestion. I really like the idea. I think it will really help my mum too. She's less than a year away from retirement (which she was really looking forward to) and I can see she's already starting to dread it
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    • 117pauline
    • By 117pauline 22nd Nov 17, 2:37 PM
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    117pauline
    • #5
    • 22nd Nov 17, 2:37 PM
    • #5
    • 22nd Nov 17, 2:37 PM
    I am so pleased you like the idea.

    Not sure where it came from this afternoon!

    We all think we have so much time to tell our friends and family how much they mean to us. I have a real bee in my bonnet about over-presented and over-shopped Christmases that are promoted by social media. Getting back to basics and reducing consumption would make us happier I think.

    And your two little ones? I bet they would be able to come up with some great ideas on ways to do the family scrapbook. If they are not so little they will be so much more computer savvy than us
    Don't get it perfect - Get it going
    Better Than Before
    • Purplemumof2
    • By Purplemumof2 22nd Nov 17, 2:40 PM
    • 5,804 Posts
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    Purplemumof2
    • #6
    • 22nd Nov 17, 2:40 PM
    • #6
    • 22nd Nov 17, 2:40 PM
    Hi Starnac

    Welcome back and happy shiny new diary
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £6750.00 Cap 1: £456.79 BC: £8800.00
    AFD 3/14 NSD 3/14 LTW 6/14
    POAMAYC 2018 #041 PD £1194.42/£4000
    Savings for Christmas £60.84/£365
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • starnac
    • By starnac 22nd Nov 17, 4:14 PM
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    starnac
    • #7
    • 22nd Nov 17, 4:14 PM
    • #7
    • 22nd Nov 17, 4:14 PM
    Hi purplemumof2 Thank you.

    Ooh don't get me started on the over-commercialisation of Christmas Pauline! We are a family who cherish time-spent rather than money-spent!
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    • 117pauline
    • By 117pauline 22nd Nov 17, 4:34 PM
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    117pauline
    • #8
    • 22nd Nov 17, 4:34 PM
    • #8
    • 22nd Nov 17, 4:34 PM
    I really like the phrase "a time-spent not money-spent Christmas"

    We will be doing Christmas at my partner's mums as she is having her second hip replacement on the 15th and she won't be able to get upstairs to our bathroom. So we will be having an even more pared down meal. I can do most of the preparation at home but I know I will forget all the little bits you have in your own kitchen. Just as well I LOVE lists.

    Are you staying in the UK for your holiday? I wonder if we will get snow.

    Take care
    Pauline
    Don't get it perfect - Get it going
    Better Than Before
    • starnac
    • By starnac 23rd Nov 17, 2:12 PM
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    starnac
    • #9
    • 23rd Nov 17, 2:12 PM
    • #9
    • 23rd Nov 17, 2:12 PM
    Ooh I love lists too! Hope your MIL recovers quickly from her op and that she gets to enjoy christmas with you.

    No we are going to Europe but he isn't allowed to fly which is why it's costing more than it would have done.
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    • starnac
    • By starnac 23rd Nov 17, 2:14 PM
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    starnac
    Well I've been buying some christmas presents this afternoon. I've used vouchers I earned over the year from doing surveys etc and I've used cashback sites where I can too. I'm not doing too badly but I'm not as organised as I usually am.

    How's everyone else's christmas shopping going?
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    • starnac
    • By starnac 25th Nov 17, 12:13 PM
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    starnac
    Morning all (just). We are having a quiet day in today as we are all pretty tired. Lots of activities going on in the run up to christmas both in school and my work and it does get a bit much. DH is in work so me and the kids are having a lazy day.

    DD and I had a pretty late night last night as we went to watch the welsh ladies football world cup qualifier last night. We had free tickets and had an amazing time. DD made me check the fixture list this morning so she can go to watch the next match. She is totally hooked! It was lovely for the two of us to spend time together too.

    I'm off out tonight for a christmas meal with my PT and his other clients. It cost £15 and includes a meal and a free drink. Apparently my PT is also treating us to a drink each on arrival so that's my night sorted. I very rarely drink so two will be plenty for me.

    I'm wearing a dress that I already have and DH is picking me up on his way home from work so I only need train fare one way. My mum and sister are babysitting for me so no extra spends there (apart from a £1 large bar of chocolate for them to share as a treat!). I am trying to keep unnecessary costs on Christmas to a minimum.
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    • starnac
    • By starnac 30th Nov 17, 8:21 PM
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    starnac
    Christmas seems to be getting closer and closer. Can you believe it's December tomorrow?

    I am finally getting somewhere with Christmas presents. I've used vouchers where I can and cashback sites too. Hopefully I'll have a nice figure in my TCB in January. I've got enough to cash out on one of my survey sites so I plan to do that over the weekend. I've been taking Lov3 2 Sh0p vouchers and using them for presents.

    We are currently in the middle of remortgaging (better rate) and that will help our finances a little as the monthly payment will come down a lot.We will use the difference to pay off our debt then over pay our mortgage. I have emailed the broker today as it's all gone a bit quiet
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    • starnac
    • By starnac 21st Dec 17, 4:54 PM
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    starnac
    We have finally got our re-mortgage offer through so just waiting on the technicalites of it all. Honestly, this has seemed more dragged out than actually buying a house! It will be worth it in the end though. (repeats to self several times a day)

    I am pretty much done with christmas now. All wrapped except for the two in DH's car. I do need to take some socks back as I bought the wrong size! Hopefully I can do that tomorrow, otherwise tough! Lol!

    Most of my cashback in TCB is showing as payable now. I think I will wait for it all to become payable before cashing out. I think I'm going to put it towards spending money for our holiday. Our apartment has a kitchen so I'm hoping to keep spends down if we can find a reasonable supermarket type thing.

    Kids have one more day in school then we are ready for the fat man in a red suit.

    Are you all ready?
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    • redofromstart
    • By redofromstart 21st Dec 17, 8:36 PM
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    redofromstart
    Hi starnac, we've just had our remortgage through this week too - even though we applied for it in October. These things do seem to drag on and on and on so its not just you.
    • Cheery Daff
    • By Cheery Daff 21st Dec 17, 9:09 PM
    • 7,973 Posts
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    Cheery Daff
    I had an email from TCB reminding me to cash out this morning - apparently they owe me £2.77

    Nearly ready here, finished work today til the 4th just got a few laat bits to get for Mr Cheery then I'm done
    • starnac
    • By starnac 22nd Dec 17, 9:48 AM
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    starnac
    Hi starnac, we've just had our remortgage through this week too - even though we applied for it in October. These things do seem to drag on and on and on so its not just you.
    Originally posted by redofromstart
    That does make me feel better. Thank you. I think I'm just impatient more so this time as it'll reduce our monthly payments by a lot.
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    • starnac
    • By starnac 22nd Dec 17, 9:53 AM
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    starnac
    I had an email from TCB reminding me to cash out this morning - apparently they owe me £2.77

    Nearly ready here, finished work today til the 4th just got a few laat bits to get for Mr Cheery then I'm done
    Originally posted by Cheery Daff
    Ooh don't spend it all at once will you? I have just over £50 when the last bits track so I'm waiting for that before cashing out.

    Kids finish today and I can't wait! I've really missed having them home this week to watch Christmassy films, make paper chains and bake cakes etc.

    I do have to go into town today to print off some pictures for grandparents. We actually had proper photos done! They are amazing actually. The photographer was brilliant. I hate having my photo taken but she really eased my nerves.
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    • Pippilongstocking
    • By Pippilongstocking 22nd Dec 17, 10:48 AM
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    Pippilongstocking
    Well I am back again. I've been around these boards for a number of years and have made some good friends here.

    I've been thinking of coming back for a while but didn't feel right as I no longer had any debt (bar our mortgage), however as of yesterday we are back in our overdraft.


    My step dad has recently had a terminal diagnosis and so I have just paid for a family holiday just after Christmas. We had money saved but this has cost more than we had saved as his medical needs has pushed up the price. My sister will be paying towards the cost too so the amount of my overdraft will come down by the end of the week but we will still be about £200 overdrawn.

    I know it's ridiculous going into debt for a holiday and that's why I feel guilty. But it's needed. My children need some happy memories with him while he is still well enough. So does my mum.

    So here I am! Back in the friendly, welcoming arms of the DFW's.
    Originally posted by starnac
    Its not ridiculous to be making life experiences happen whilst you can enjoy your family. I'm so glad that you can.

    As you know we've certain similar situations here - and juggling every moment with mindful spends is a hard one, I'm just adjusting my own budgets etc to accommodate life's lemons that have been hurled our way. We'll all get there won't we.

    So lovely to see you back. xxxx

    Happy new diary my lovely.
    Overdraft 1 £1000/£0, Overdraft 2 £1000/£0, Credit Card 1 £1044.93/£0, Credit Card 2 £2710.57/1725.27
    Total Debt as of 6/8/2017 £5755.40 eek: total debt 24/9 £4060 PAID off £1695.40 Total 22/12 4025.27 PAID OFF £1730.13 1/3/18 Total £37025.27 £2030.13 paid off
    :
    • starnac
    • By starnac 22nd Dec 17, 4:25 PM
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    starnac
    Thank you Pippi. Yes it's hard. I am already bracing myself for next year and all the things it may bring. Not looking forward to it to be fair.

    We will get there though. Both of us
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    • starnac
    • By starnac 23rd Dec 17, 12:57 PM
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    starnac
    Eek! So close to Christmas now. I am having a cleaning day. Then I plan to set my Christmas table. I have a few small bits of work to do so hopefully I can get those done then relax and enjoy the next week or so.

    I hope you are all ready now and are not rushing around today in the shops
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