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  • FIRST POST
    • Drawingaline
    • By Drawingaline 4th Dec 17, 9:37 AM
    • 342Posts
    • 1,217Thanks
    Drawingaline
    Drawing a line under the debt. Take two.
    • #1
    • 4th Dec 17, 9:37 AM
    Drawing a line under the debt. Take two. 4th Dec 17 at 9:37 AM
    So, I can't believe that I haven't updated my diary since the end of march. So much has happened in that time I feel a fresh new one is better. Here is the link to my previous one.

    http://forums.moneysavingexpert.com/showthread.php?t=5585379

    So what has happened. Well my husband FINALLY got a job! He was made redundant in April 2016 and started a new role in June 2017. In that time I was holding down two part time jobs so that we could pay the mortgage and bills and in that time I also made a bit of a dent in the debt we owed. The role he got was originally a six month contract through an agency so we were obviously concerned for the future, but within a month he was invited to apply for a full time position and got it. So since the end of September he has been back in a permanent role, and we have no concern that he won't pass his probationary period which is up just after Xmas. The job is also with a very good company, and he gets a discount card for two shops so that is great too. The only downside is that he has to take two trains to get there which is about £300 a month and he is only on what he was on in his previous job, but due to our finances being in much better shape now it is doable.

    I started YNAB in Oct 16 and have used it very carefully for the past year. I adore it and plan to keep it forever

    So what has been happening to the debt. Last time I was here I had cleared our big loan due to wanting to avoid having too much in savings because of a massive mistake by the job centre with my husband's JSA claim. He signed off the week after the interview we had with them and I was planning to xfer the child benefit to his name for his NI to be paid but then he landed the job. We have heard nothing from them at all. I still think they may try to claw back the money that we received that we shouldn't have and of course if that happens we will dispute it as we didn't lie or omit anything, it was a massive error in their part, but we will pay money back if we have to. But nothing, not a word at all

    I had managed to get the debt down from 22k to 17k with aggressive debt payments but in may I received a decent sized inheritance from a family member. Enough to buy a new (to us) car (mine finally died in early September at 17yrs old) clear 10k of debt and do some of the much needed home improvements. The reason I didn't clear all the debts was that we would have been left with nothing at all for the home improvements (and I was bored of having half a kitchen and no bath) and our back fence fell down in July so we have had a lovely new back fence out up, and am getting the back garden landscaped, had a new bathroom put in, finished the kitchen (apart from tiling, need to save for this) plastered the rest of the house, and had some new carpets out in. The relative that left the money was huge on owning your own property and I felt I needed to use some of the money to add value to the house. There is still stuff to do and I am saving for that now.

    So our debt stands at about 8k total. One loan and one interest free credit card. My go going forward is to not add to that and clear the credit card within the time limit.

    This coming year we are planning two big holidays so everything spare is going towards that, I need £3500 by the end of march, I have £1000 towards that already but debt busting will be taking a bit of a backseat while I get all this money together.

    Personally, I have quit one of my jobs. Once we knew my husband was employed full time by the company we looked at the finances and due to some quite serious issues our smallest child is having ongoing at school, we decided it was important that I was home more in the evening. Also the company that took us over a year ago are a shocking company to work for so the decision was an easy one to make and I quit my evening job. I miss it so much, it was a job I adored and I loved most of the people I worked with. But it was right for us as a family. So now I am self employed school hours, mon-fri, which is hard work. I get no time to myself and feel I am constantly playing catch up at home, but it needed to be done. The smallest boy did improve quite a bit after I finished work, but this past week has had a huge backslide again

    Anyway enough about me now, I am off to catch up on the diaries I used to follow to see what everyone has been up to. So pleased to be back
Page 1
    • UncannyScot
    • By UncannyScot 4th Dec 17, 9:52 AM
    • 1,154 Posts
    • 7,031 Thanks
    UncannyScot
    • #2
    • 4th Dec 17, 9:52 AM
    • #2
    • 4th Dec 17, 9:52 AM
    Hello and welcome back
    BUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
    It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
    R.I.P. T.P.
    • beanielou
    • By beanielou 4th Dec 17, 12:47 PM
    • 50,578 Posts
    • 193,498 Thanks
    beanielou
    • #3
    • 4th Dec 17, 12:47 PM
    • #3
    • 4th Dec 17, 12:47 PM
    Happy shiny new diary
    Keep posting.
    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***
    • WannabeFree
    • By WannabeFree 4th Dec 17, 12:52 PM
    • 1,097 Posts
    • 9,012 Thanks
    WannabeFree
    • #4
    • 4th Dec 17, 12:52 PM
    • #4
    • 4th Dec 17, 12:52 PM
    Happy new diary

    Subscribed so I can follow x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • Drawingaline
    • By Drawingaline 4th Dec 17, 5:24 PM
    • 342 Posts
    • 1,217 Thanks
    Drawingaline
    • #5
    • 4th Dec 17, 5:24 PM
    • #5
    • 4th Dec 17, 5:24 PM
    Thanks everyone. Been an easy day at work today which is nice, Monday's are either easy or awful and then I find I play catch up all day.

    It's Monday so the boy (eldest son) is making dinner. He is doing a fry up so will need a lot of supervision (he is 12) so will have to wait for me to collect husband from the station so eating late. When I finished my evening job I decided that the boy and girl could do the cooking one night a week. It's working out ok, but they still need a lot of supervision atm so it's a slow process!
    • redofromstart
    • By redofromstart 4th Dec 17, 6:53 PM
    • 1,122 Posts
    • 6,838 Thanks
    redofromstart
    • #6
    • 4th Dec 17, 6:53 PM
    • #6
    • 4th Dec 17, 6:53 PM
    Happy new diary!
    • Honeysucklelou2
    • By Honeysucklelou2 4th Dec 17, 11:53 PM
    • 664 Posts
    • 2,630 Thanks
    Honeysucklelou2
    • #7
    • 4th Dec 17, 11:53 PM
    • #7
    • 4th Dec 17, 11:53 PM
    What a good idea to have the children cook a night each, great life skills.
    paydbx #93 £483/£8,000.
    Loan £17k - paid off in Aug 2017. Home improvement loans £3342 March 2017. £3123 in Jan 18
    • Drawingaline
    • By Drawingaline 5th Dec 17, 7:13 PM
    • 342 Posts
    • 1,217 Thanks
    Drawingaline
    • #8
    • 5th Dec 17, 7:13 PM
    • #8
    • 5th Dec 17, 7:13 PM
    iSo today wasn't a no spend day. Had to pop into the supermarket to pick up a few bits of salad and veg for tea.

    A nice easy day at work today, lulling me before the awful day I have mapped out tomorrow and the girl has a very sore toe, may be an infected nail bed, if it is no idea how I am going to squeeze in a doctor's appointment tomorrow at all

    And then when I picked up the smallest boy he had not had a good day at all. It breaks my heart how much he hates school and the stress it puts him under. We are working closely with the school and a specialist unit, but it's all two steps forward a step back atm.

    Nothing else to report on the finances. I get CB and TC next week, and paid on Monday (hopefully, it's normally around the 11th) so some bills can be paid, savings topped up and a dismal amount out aside for spends for the month of December. But we want to be able to do the holidays next year so need to be aggressive with the savings to make it happen. I want the debt gone when our mortgage deal runs out which is sept '19. ATM we are saving around £650 a month for the holidays, so once I can add that to the debt hope it will be gone pretty quickly!
    • WannabeFree
    • By WannabeFree 5th Dec 17, 8:10 PM
    • 1,097 Posts
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    WannabeFree
    • #9
    • 5th Dec 17, 8:10 PM
    • #9
    • 5th Dec 17, 8:10 PM
    Ouch on the holiday costs.

    At least it will give you an idea of what you can chuck at the debt once you're back though if you stick to it.

    Hope DD is okay and you can fit the Dr in.
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • Drawingaline
    • By Drawingaline 6th Dec 17, 9:34 PM
    • 342 Posts
    • 1,217 Thanks
    Drawingaline
    So I had to take the girl to the doctors. I lost three hours pay as by the time she was seen and picked up the script I couldn't squeeze the job into the time left. Dreading January payday already as I will have a week off. Sometimes being self employed sucks. On a plus she is fine, needs new shoes though as she has gone up a whole shoe size luckily my sister gave me some trainers for her in the next size up, going to swap her old ones and give them to my sister for my neice very

    Otherwise a nsd for me. The girl cooked tea, toad in the hole, although the wierd one had his normal chicken pop things.

    It almost wasn't a nsd, we are planning a night away for the wierd ones birthday in Feb, so found a premier Inn £84 for two rooms and breakfast for six. But the site just refused to take my money obviously knew I wanted a nsd. So will be booking that and the hotel for me and the husband for the end of December night away, tomorrow
    • Drawingaline
    • By Drawingaline 7th Dec 17, 9:17 AM
    • 342 Posts
    • 1,217 Thanks
    Drawingaline
    Quick coffee before taking the smallest to the special unit he attends in the morning. I have an afternoon off today, as one of my clients moved house so I can't clean the new one because they haven't managed to unpack much! Bad for money, good for me have lots planned to do. Going to go and order the vinyl for the kitchen and hall floors, this is the last amount to go onto the interest free card bringing the balance to 3k. Have a s/o set to pay it monthly so it will be going within the timescale of interest free.

    Need to pop to town to pick up some gifts, grab some lunch then off to a friend's for coffee, a rare treat these days as I work 9-3 mon to Fri. Amazing how much I miss my free day times as I always worked evenings since the girl was born 13yrs ago!
    • Drawingaline
    • By Drawingaline 8th Dec 17, 8:24 AM
    • 342 Posts
    • 1,217 Thanks
    Drawingaline
    So flooring decided on. Couldn't get what I wanted for the hallway without spending over budget and I didn't want that! I also have to have the fitter out on sat as they think the floor may need skimming which is very annoying and an added expense.

    Saw my friend and had coffee, was lovely to catch up.

    Just spent £120 on Xmas gifts luckily all budgeted for thanks to YNAB! And I will get some money back as got some gifts for the kids from my mum.

    Off to work after the school run, Fridays are always a full on day, six long hours, but then it's the weekend! Bring it on
    • Drawingaline
    • By Drawingaline 8th Dec 17, 7:36 PM
    • 342 Posts
    • 1,217 Thanks
    Drawingaline
    Busy day, but everything is looking good for a relaxing weekend. Have the floor fitter coming out to look at our floors as I think they will need skimming before the new flooring can be laid, so will get a price for that.

    Otherwise nothing planned which is good. Had to cancel my daughter's riding lesson because of her bad foot so some money saved there, will just let it roll over in its category in ynab.

    After reading uncanny Scott's thread I felt inspired to do some baking, so fruit scones and cheese scones made.

    Nice relaxing evening now though.
    • Drawingaline
    • By Drawingaline 10th Dec 17, 4:29 PM
    • 342 Posts
    • 1,217 Thanks
    Drawingaline
    A quite relaxing weekend which is nice. Boss paid me yesterday, so mortgage category filled in for the month (the only bill I am not a month ahead on!) Ready to go out on the 26th, £200 to holiday, that now stands at nearly £1300, need £3500 by the beginning of April, so on track. And £100 to entertainment for the month. Which isn't a lot considering its Xmas but needs must.

    Have spent the afternoon doing diy with my dad. Kitchen cupboards all have doors on now and my massive bookshelf is back up on the half landing. Need to get on putting pictures back up and then fill the shelves back up.

    Cooking dinner right now, having a recipe I have found in a really old cookbook. But I have all the ingredients, going to tweek it a bit but it will either be a winner which we do again or we won't bother with it after today

    This eve I will be trying to finish getting the books out of our bedroom, but I have at least an hour's ironing for a client and it needs to be taken back tomorrow so need to do it while hubby watches the NFL. Which bores me senseless.

    Another busy week ahead, but two weeks left, then 11days off!
    • Drawingaline
    • By Drawingaline 11th Dec 17, 10:37 PM
    • 342 Posts
    • 1,217 Thanks
    Drawingaline
    Was planning a no spend day today but it didn't happen.

    Finally managed to book the premier inn for the wierd ones birthday weekend. And also booked a hotel for me and husband after Xmas. My mum is giving us a night away as our present, she will have the kids for 24hours, looking forward to it.

    Then had to do a food shop which was annoying as was hoping to get to the weekend, but had nothing left for sandwiches.

    Husband got caught up in the Waterloo fiasco so was an hour late. Feel like we have only just sat down!

    Busy day tomorrow, need to get to bed.
    • Drawingaline
    • By Drawingaline 13th Dec 17, 8:39 PM
    • 342 Posts
    • 1,217 Thanks
    Drawingaline
    Almost a nsd today, attended my neices birthday party at a soft play place and purchased a coffee.

    Have a meeting set up tomorrow about how the smallest is doing at the unit he attends and how he is doing at home. He has been having a good week, partly because he has been bribed to! Three good days so the tree has gone up and he has helped decorate it.

    And because he is doing ok atm my oldest boy decided to jump into the gap and I had a phone call from his school about an altercation he had with another child. So he is now on a total tech ban and is grounded. I am so disappointed with him, he knows what stress we are under with the smallest and atm all I am getting is phone call after phone call from schools roll on the holiday.......
    • Drawingaline
    • By Drawingaline 14th Dec 17, 9:09 PM
    • 342 Posts
    • 1,217 Thanks
    Drawingaline
    Today was not a nsd. Bought pizzas for our regular Thursday pizza night and then we ended up going out for tea. Will eat them tomorrow.

    Relatively easy work day today, just two jobs so managed to got everything in and be back for the school run. The smallest had an ok day so we finished putting up the decorations in the front room. The oldest boy is still in the dog house. He has detention tomorrow after school due to the incident yesterday, and today he has been pretty argumentative and all bad attitude. Am seriously reconsidering his main Xmas present as I haven't bought it yet.

    Long day at work tomorrow, and then I am supposed to be taking the biggest boy out to a free running class that has started up (he used to do it but quit a year ago) and I don't want to say he can't go because I am glad he is showing some interest in some sort of exercise. He has been lacking in that for the past 18months or so.
    • Drawingaline
    • By Drawingaline 18th Dec 17, 4:48 PM
    • 342 Posts
    • 1,217 Thanks
    Drawingaline
    So a quite stressful weekend. Had to do a job on Saturday morning,came home and cleaned the house then made biscuits for a charity night a family member was hosting on Sunday. Then because I couldn't get an online shopping slot this week we ended up doing the monthly food shop at 7.30pm! Not fun tbh.

    Sunday I had to do some ironing for a client, then made more biscuits, attended a carol service with the girl, made dinner and then went to the charity quiz night with the big two kids. Was a good night, and a decent amount raised, but it just came in an already full-on weekend which was pretty stressful.

    Today I almost got ahead of myself, then ended up behind which was incredibly annoying, am exhausted. Kids went off to school, four more days, the little two just look wrecked, pale faces and emotional outbursts, especially from the smallest.

    Four more days......husband is working from home on Friday so I can still work, then holiday! Can't wait.
    • Mumoffourkids
    • By Mumoffourkids 18th Dec 17, 9:49 PM
    • 411 Posts
    • 1,735 Thanks
    Mumoffourkids
    Just read through your diary. I love that your two eldest cook dinner once a week each. I might have to get my two eldest to do that once a week each. I think I have got my 7 year old to do the washing up, she loves doing it for some reason! I'm not going to argue as we have a lot of washing up!
    • Drawingaline
    • By Drawingaline 19th Dec 17, 1:04 PM
    • 342 Posts
    • 1,217 Thanks
    Drawingaline
    Thanks for stopping by! Tbh the making dinner has fallen a little by the wayside this past week, I did it last night not the boy, but I got chicken out for tonight, going to do one of those meal in a bag things with wedges and carrots,. So he can do that.
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