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  • FIRST POST
    • Mumoffourkids
    • By Mumoffourkids 15th Dec 17, 9:12 PM
    • 434Posts
    • 1,831Thanks
    Mumoffourkids
    Single, six kids and going to be debt free!
    • #1
    • 15th Dec 17, 9:12 PM
    Single, six kids and going to be debt free! 15th Dec 17 at 9:12 PM
    Okay, so I finally decided to face up to my debts and now my income is pretty much stable, I can now budget and work out how much to pay. My soa is below and I believe I have budgeted for everything. I know I have a big surplus but this is only recent and from the new year I want to start paying everything off.

    I know that if I threw everything at the debts that I could be debt free a lot sooner but I can't expect the kids to live like that really.

    So I calculated that if I pay £500 off my debts each month, then I will be debt free in 44 months, so three years and 8 months. However, as my old debts are not currently being paid, I plan on offering them minimal payments at the moment and then save up to offer them full and final settlements so hopefully I can be debt free sooner.

    Next is to find some challenges to join!

    Statement of Affairs and Personal Balance Sheet

    Household Information
    Number of adults in household........... 1
    Number of children in household......... 6
    Number of cars owned.................... 1

    Monthly Income Details
    Monthly income after tax................ 900
    Partners monthly income after tax....... 0
    Benefits................................ 3527.64
    Other income............................ 975
    Total monthly income.................... 5402.64

    Monthly Expense Details
    Mortgage................................ 0
    Secured/HP loan repayments.............. 0
    Rent.................................... 1200
    Management charge (leasehold property).. 0
    Council tax............................. 93
    Electricity............................. 120
    Gas..................................... 10
    Oil..................................... 0
    Water rates............................. 63.54
    Telephone (land line)................... 10
    Mobile phone............................ 51.81
    TV Licence.............................. 12.37
    Satellite/Cable TV...................... 39.98
    Internet Services....................... 10
    Groceries etc. ......................... 433.33
    Clothing................................ 100
    Petrol/diesel........................... 260
    Road tax................................ 25.83
    Car Insurance........................... 120
    Car maintenance (including MOT)......... 100
    Car parking............................. 0
    Other travel............................ 10
    Childcare/nursery....................... 1000
    Other child related expenses............ 140
    Medical (prescriptions, dentist etc).... 0
    Pet insurance/vet bills................. 0
    Buildings insurance..................... 0
    Contents insurance...................... 7.27
    Life assurance ......................... 0
    Other insurance......................... 0
    Presents (birthday, christmas etc)...... 150
    Haircuts................................ 0
    Entertainment........................... 303.33
    Holiday................................. 50
    Emergency fund.......................... 0
    Total monthly expenses.................. 4310.46


    Assets
    Cash.................................... 0
    House value (Gross)..................... 0
    Shares and bonds........................ 0
    Car(s).................................. 500
    Other assets............................ 0
    Total Assets............................ 500

    No Secured nor Hire Purchase Debts

    Unsecured Debts
    Description....................Debt......Monthly.. .APR
    Overdraft......................1000......30....... .0
    Catalogue......................247.......60....... .0
    Catalogue......................593.......35....... .0
    Old debts......................20000.....0.........0
    Tax credits....................410.......0.........0
    Total unsecured debts..........22250.....125.......-


    Monthly Budget Summary
    Total monthly income.................... 5,402.64
    Expenses (including HP & secured debts). 4,310.46
    Available for debt repayments........... 1,092.18
    Monthly UNsecured debt repayments....... 125
    Amount left after debt repayments....... 967.18

    Personal Balance Sheet Summary
    Total assets (things you own)........... 500
    Total HP & Secured debt................. -0
    Total Unsecured debt.................... -22,250
    Net Assets.............................. -21,750
Page 19
    • theoldmansmrs
    • By theoldmansmrs 7th Feb 18, 11:40 AM
    • 1 Posts
    • 6 Thanks
    theoldmansmrs
    Then whilst I was looking on the makro site, I saw offers on meat. Meat is expensive and we eat a lot of chicken. So I might try the meat from makro as that looks like it will work out cheaper than buying from the supermarket. Does anyone else buy meat in bulk?[/QUOTE]


    I have been following your diary but never commented. I buy my meat in bulk and find it so much easier to manage and it works out a lot cheaper for me. If I get a bit of free time, when I buy the meat, I will prepare the meals then freeze them so if it is a busy night then I have home made "ready meals" available in the freezer.
    • Mumoffourkids
    • By Mumoffourkids 7th Feb 18, 7:58 PM
    • 434 Posts
    • 1,831 Thanks
    Mumoffourkids
    Thanks for commenting the oldmansmrs. I used to get meat in bulk from a guy who had his own business. It was all from Smithfield meat market in London and was good quality but reasonable in price. But he sold his business and the new person didn't seem to do much with it. So since then I have been looking at ways to save on meat. I might try the makro meat and see how it goes. It's mainly chicken breasts, chicken thighs, mince and sausages that we eat. If I can save on them, then great.

    In other news today, I sold my daughter's old mobile phone that refused to start up. It did an upgrade and then went funny. I think it probably had something to do with her dropping it down the toilet as well! Well I tried to get spoke to fix it but they wanted £280 plus vat which was more than the phone was worth. So the other day it got sent off and today I got £40 into my bank account. It's gone straight off my next debt.

    I don't think much else has happened, oh apart from eldest daughter needing glasses. I took other three elder children to have their eyes tested today. Two of them don't need glasses but eldest does. Her right eye is fine but her left eye is awful. She hadn't noticed it before as the right eye was working hard to make up for her left eye. Anyway free glasses picked out and will be picked up next week!
    Total debt Dec 2017 £23090.83
    Feb 2018 £6955.3669.88% paid
    Emergency fund £400/£600
    Total Savings £1125.79
    • Mumoffourkids
    • By Mumoffourkids 8th Feb 18, 10:32 AM
    • 434 Posts
    • 1,831 Thanks
    Mumoffourkids
    So I thought I would do a round up on how I am doing with my target debt and total debts.

    Target Debt No 2: £224.17/£412.05 46% paid - I am hoping this will be paid off in March. At the moment it is due to be paid in April but I reckon I can get it paid earlier.

    Target Debt No 3: £400/£1000 40% paid - This is my overdraft which I am currently not in but I will be again at the end of the month. I only count how much has been paid off this one at the end of the month as that is when I pay my two big bills of rent and childcare. I am hoping this will be paid off this month, this is as long as my ex husband gets a bonus this month. If he does, he pays me a percentage of his bonus. If I get the same amount as last year, then this will clear the rest of my overdraft!

    Total Debts: £12618.16/£23057.16 45% paid - But the big thing is here that one of the debts that is still outstanding seems to have disappeared! So if I don't count that one then I only owe £7899.56/£23057.16!!

    So all looking good and if the debt that has disappeared stays gone, then I will be debt free in November if not sooner if I can save money/make more money from somewhere!

    However there is a list of things that I want that would make my life easier and I still have rugby tours to save up for!

    So the list of things to save for is as follows:
    Minis rugby tour spending money £200/£200 (I have saved £150 but am being given £50 on the weekend from one of the rugby girls who is staying in our caravan)
    Girls Rugby Tour £3/£155 This is the amount still to pay but no spending money needed as the amount I have paid includes all food all weekend!
    New Laptop £0/£150
    New pushchair and buggy board £0/£150
    New Large upright freezer £0/£150
    New shelving unit for girls room £0/£60
    Little bits for around the house like washing basket £0/£50

    The last few bits is stuff that I would like and they would make my life easier. I am prepared to get secondhand stuff and I know I can get a laptop from the computer shop down the road for a maximum of £150 if not less.

    I have £34.50 left of my birthday money and £207.15 left of my nan's money. I also have £23.66 earmarked from sales for new furniture. I also have money saved up in my household fund which would be used for appliance replacements as the landlord does the fixing of the bits round the house.

    I am very impatient and really want these bits now but I am now waiting until I have saved for them. In the past I would have just gone out and bought them when I wanted them, but I am thinking about money more and definitely not just spending when I feel like it!
    Total debt Dec 2017 £23090.83
    Feb 2018 £6955.3669.88% paid
    Emergency fund £400/£600
    Total Savings £1125.79
    • charlies tribe
    • By charlies tribe 8th Feb 18, 10:42 AM
    • 620 Posts
    • 5,135 Thanks
    charlies tribe
    You have done fantastic in such a short space of time. Well done.
    LBM in April 17 - £5835/£33554 (17.3%) paid.
    2018 PAID OFF TARGET £211/5000
    DFD: 1st May 2022
    SPC #591
    • Mumoffourkids
    • By Mumoffourkids 8th Feb 18, 11:18 AM
    • 434 Posts
    • 1,831 Thanks
    Mumoffourkids
    Thanks Charlie's Tribe. I have had a bit of luck in this short time but being on here has definitely made me think more about money. I am saving at least £40 a week from my food, petrol and spending money budgets. But the money is there if I need it.

    In theory this week I should save £30 from my petrol budget, hopefully £15 from my food budget and at least £30 from my general spending budget! This will go towards the next rugby tour.

    I also have loads of things to sell still and seeing as there is no rugby matches this Sunday, Sunday will be a day of sorting out and listing items for sale!
    Total debt Dec 2017 £23090.83
    Feb 2018 £6955.3669.88% paid
    Emergency fund £400/£600
    Total Savings £1125.79
    • Drawingaline
    • By Drawingaline 8th Feb 18, 8:21 PM
    • 349 Posts
    • 1,232 Thanks
    Drawingaline
    You are doing so well. I am also a bit of a 'i want it now' type person 'i will put it on the card and pay it on payday'. Never happens my daughter sent me some pictures of bits she wants for her birthday in march. I got them into the basket on Amazon before thinking, 'i have no way of paying for these' so they are in my basket and i will get them on the 25th. There is no rush her birthday is mid march. Actually I may get my mil to get them for her next week when she is here......still for her birthday and we get her something else.
    • Mumoffourkids
    • By Mumoffourkids 9th Feb 18, 6:49 AM
    • 434 Posts
    • 1,831 Thanks
    Mumoffourkids
    Previously I used to work out my money of how much I needed for the week and then just think oh I have spare, I'll spend that. Or I used to think my overdraft was my money as well. There are so many things I want at the moment and I am being so restrained I can't believe it.

    I have just cashed out a £5 Amazon voucher on shoppix as I had someone sign up using my referral code. No idea who did but thank you. If anyone else wants to sign up, my code is 403QL9Y8!

    So I now have £20 in Amazon vouchers to use for my son's birthday presents. I have some bits for him already but will get him a few more clothes.

    Today will be spent at home with the youngest two. Not doing much over the weekend either as no rugby matches on Sunday! So I might transfer some of my general spending over to savings as I still have loads left and I don't plan on spending much at the weekend! I will be mainly sorting out the house to try and find some more bits to sell. I also want to clear the garage a bit in order to find room for the bikes and scooters.
    Total debt Dec 2017 £23090.83
    Feb 2018 £6955.3669.88% paid
    Emergency fund £400/£600
    Total Savings £1125.79
    • Mumoffourkids
    • By Mumoffourkids 9th Feb 18, 7:24 PM
    • 434 Posts
    • 1,831 Thanks
    Mumoffourkids
    So tonight was chicken curry, rice and naan bread for dinner, followed by homemade chocolate cake or chocolate brownies for pudding. Pudding was made by dd2. Tomorrow she is making chocolate fudge and doughnut cakes. There goes my diet! And the ingredients I have to buy are not helping my budget!

    Today has been a collapse on the sofa day. My son decided half four this morning was a good time to wake up. And my youngest has been poorly, so she went for a sleep and I may have had a nap on the sofa with my son!

    I have also transferred £50 of my general spending funds to savings. This has come out of petrol and general budgets. I should have another £10 from petrol to transfer on Sunday as I still have petrol and only thing I have to drive to is rugby training tomorrow morning. Also still got some left in general fund and food but I think food will take a bit tomorrow for ingredients!

    A little catch up with housework and washing tonight and then an early night tonight I think!
    Total debt Dec 2017 £23090.83
    Feb 2018 £6955.3669.88% paid
    Emergency fund £400/£600
    Total Savings £1125.79
    • Mumoffourkids
    • By Mumoffourkids 10th Feb 18, 8:01 AM
    • 434 Posts
    • 1,831 Thanks
    Mumoffourkids
    So this morning I have had a cheque in the post from natwest regarding my packaged bank account fees claim. It's only for £67.30 which is the interest but I suppose it's better than nothing. I will have to pay that in next week.

    However they did find that I didn't receive a preferential loan rate so they have refunded that amount to the amount I owe. Which is good but that is one of the debts that the bank decided not to chase for. I have no idea how much they have refunded either!

    I suppose the interest back is better than nothing and it go towards my next target debt which will mean that that will only have about £60 to go and I might try and pay that this month!

    Next to do is copy ppi documents I have and send them off. I definitely paid ppi on a loan I had years ago as I still have the paperwork. And I am still waiting on a reply about an old credit card that I had ppi on. I still have the statements from 1999.

    I might do a bit of sorting out in the loft this weekend, see if I can find anymore old paperwork.
    Total debt Dec 2017 £23090.83
    Feb 2018 £6955.3669.88% paid
    Emergency fund £400/£600
    Total Savings £1125.79
    • Drawingaline
    • By Drawingaline 10th Feb 18, 4:45 PM
    • 349 Posts
    • 1,232 Thanks
    Drawingaline
    Wow, go you for keeping paperwork that long. I am trying to remember if I had a bank account with fees for a while. However it may have been while I was an employee of said bank so I got a discounted rate, so not sure that would apply.
    • Seasidegal58
    • By Seasidegal58 11th Feb 18, 10:53 AM
    • 1,582 Posts
    • 9,441 Thanks
    Seasidegal58
    Congrats on the cheque for the bank fees. And itís always worth going for as much ppi rebates as you can. My friendís total has hit over the £10,000 mark!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    My diary: ďPaid off the £31,0000! BUT- still scrimping!Ē
    • Mumoffourkids
    • By Mumoffourkids 11th Feb 18, 12:04 PM
    • 434 Posts
    • 1,831 Thanks
    Mumoffourkids
    Wow, go you for keeping paperwork that long. I am trying to remember if I had a bank account with fees for a while. However it may have been while I was an employee of said bank so I got a discounted rate, so not sure that would apply.
    Originally posted by Drawingaline
    Thanks, not sure why I kept paperwork from that long ago but I'm sure glad I did. I'm thinking I might find even more old paperwork up in the loft!

    Congrats on the cheque for the bank fees. And itís always worth going for as much ppi rebates as you can. My friendís total has hit over the £10,000 mark!
    Originally posted by Seasidegal58
    Thanks, I don't think I will get that much back but every little bit I get back all helps.i believe I will find out on 23rd February how much was refunded in actual bank fees as that is when my credit report next updates. It might clear a bit of the debt that doesn't need to be repaid. If it clears enough and there is only a little bit leftist might repay the bit just to clear it, even though the bank aren't chasing the debt.

    In other news, it looks like I am nearly completely on my own when it comes to looking after my kids. The oldest five's dad only sees them every three weeks from Saturday morning to Sunday afternoon and the youngest's dad is so unreliable I just can't trust him to look after her. He wouldn't do anything to hurt her intentionally but he just doesn't think. In addition I had an argument with his parents last weekend, partly my fault which I have admitted but partly theirs which they can't see. It all could have been avoided if they had just sent a quick message but they just didn't think about that. And the last thing is I can't even ask my dad for help with the kids anymore. Brace yourselves for a long story but it's all relevant.

    When I lived in France, my dad told me he was getting married. The lady he was marrying was Irish and so most of her family lived in Ireland so they were going to get married in Ireland. Fair enough but when my dad first told me he also said he would pay for the ferry for us to get to Ireland. Wellness then changed his mind and said he didn't say that. It was too much for us to afford to go over there via ferry and pay for hotels as well as originally my dad had also said that we could stay with relatives or at his place out there. Well my soon to be step mum took offence and started really having a go at me and saying that I should have asked for help. I did ask but they they chose to ignore it. Things got better over the years and things have been fine between myself and my dad and step mum since I moved back to UK. Well the start of this year, my dad came to watch my eldest play rugby. He had just left and my step mum phones me, I assume it's to ask about !y dad so I say he has just left. She then proceeds to start saying it's all over between her and my dad and when I asked why, she just said I should know as I've been through a divorce. I must admit I wasn't that sympathetic as it was Sunday evening, I had to feed kids, bath them, iron school uniforms and get everything ready for school the next day. Eventually she rang off and I text my dad to ask if he was ok, but got no reply. So I didn't phone them for help when I was really struggling as I thought they have their own problems. So my birthday comes and goes and my dad doesn't bother to ring or message me on my birthday but my step mum phones the next evening and basically had a bit of a go at me for not asking them for help.they then say they are coming down the next weekend. When they get here she is already in a strop for some reason and gets all annoyed when the kids don't say hello to her. They had been discussing and had just decided what to do to help me without asking me what I would like help with. This did annoy me a bit and I was going to speak to my dad. Anyway the rest of the weekend was fine, I asked about them possibly having the kids Sunday 18th February because my eldest has rugby trials and I wanted to go and watch her. They both said yes but my step mum mentioned that her friends were supposed to be coming down that weekend but not to worry as she would postpone them. So I think everything is ok. My step mum phones up and says yes all ok for that weekend but she won't cancel her plans again and really made me feel bad. She then started going on about feeling rejected and that my dad would see me by myself from now on. Well I didn't know what to say to that. So fast forward to yesterday and I get a phone call again from my step mum asking what time I was coming next weekend but then saying she was going out and wouldn't be there. She was really off with me and I said to my dad but he obviously couldn't talk. So then last night I start getting messages from her saying it's all over between her and my dad and that I can have him back. I ignored her as I can't be dealing with it at the moment. She just doesn't give up.so I text my dad this morning and say I won't be bringing the kids next weekend as I don't want to make things worse. My dad is fine but she just keeps going on at me. She says she wants me to leave her alone but then she messages me again.she twists everything I say and tells me my kids are lying to me.

    So I guess I am on my own. I think I knew that anyway but it's nice to have a break sometimes.

    Sorry for such a long post, I just wanted to get it out of my system!
    Total debt Dec 2017 £23090.83
    Feb 2018 £6955.3669.88% paid
    Emergency fund £400/£600
    Total Savings £1125.79
    • Mumoffourkids
    • By Mumoffourkids 11th Feb 18, 7:32 PM
    • 434 Posts
    • 1,831 Thanks
    Mumoffourkids
    So today I have just transferred another £26 to my rugby tour fund. So that is £76 in total saved this week out of my general weekly spending of petrol, food, pocket money and general spending money. The total is £250 a week but I have over budgeted just in case. I have £100 a week for food, £60 a week for petrol, £20 a week for pocket money for the four eldest kids and £70 a week general spending. This general spending has to cover any trips out with the kids, any takeaways, any school expenses, any little things I want to buy. I hardly ever use the total each week but it is good to have as a back up. The kids always seem to have something to pay for at school and I wasn't budgeting for it before but now I am and I feel more in control.

    Tomorrow starts a new week of budgeting so I will update my signature in a minute to see how far I have come. Not much has come off the debt yet this month, but my debt repayments normally come out of my wages which is this week, and out of any extra bits I can make.
    Total debt Dec 2017 £23090.83
    Feb 2018 £6955.3669.88% paid
    Emergency fund £400/£600
    Total Savings £1125.79
    • f0xh0les
    • By f0xh0les 12th Feb 18, 7:46 AM
    • 1,274 Posts
    • 10,135 Thanks
    f0xh0les
    Oh dear! I have Irish parents and my in-laws have lived over there for 35 years - there is a point to this - I swear 98% of their problems are caused by talking to everyone else about the problem they are having with someone, but never telling the actual person that they have a problem with and then blaming other people for airing their dirty laundry if you try and help. It is totally insane. They will whine and moan and carry on, but never do the face to face thing. Then will deny all knowledge and you are just 'pot'-stirring if you say anything.

    I cut myself off from my parents 25 years ago - there is absolutely nothing sad about it. Some people are so toxic it is a wonderful relief just to know they are out of the picture and you will never have to bother with their home made nonsense ever again. You don't have to go that far.

    You love your dad, and that is great. Keep him then. but there is no rule that says you have to like your dad's partner. Try and turn up on time, and when you go in, tell her you know she is busy so you won't keep her. Or even better, meet your dad somewhere half way between you, so the driving is halved and if there is a large park/lake/adventure playground/ forest/ beach or just a cafe, then it is a bonus. She sounds like she has issues of her own and is trying to dump them on you. Then if you can't solve them it is your fault (I mean you cope with EVERYTHING else, right? Shove another thing on your plate).

    Sorry if this offends any Irish people, I hope this does not cause offense. Just my take on the situation I grew up in and was surrounded by and permanently bemused by.
    MFW START DATE May 16 £118,340 :
    October 17 - £109,495.00
    December 17 £108,800

    Jan 18 £108,392.98
    NEXT GOAL is sub £105k
    Mortgage-free wannabe 2018 #161
    • Mumoffourkids
    • By Mumoffourkids 12th Feb 18, 8:03 AM
    • 434 Posts
    • 1,831 Thanks
    Mumoffourkids
    Oh dear! I have Irish parents and my in-laws have lived over there for 35 years - there is a point to this - I swear 98% of their problems are caused by talking to everyone else about the problem they are having with someone, but never telling the actual person that they have a problem with and then blaming other people for airing their dirty laundry if you try and help. It is totally insane. They will whine and moan and carry on, but never do the face to face thing. Then will deny all knowledge and you are just 'pot'-stirring if you say anything.

    I cut myself off from my parents 25 years ago - there is absolutely nothing sad about it. Some people are so toxic it is a wonderful relief just to know they are out of the picture and you will never have to bother with their home made nonsense ever again. You don't have to go that far.

    You love your dad, and that is great. Keep him then. but there is no rule that says you have to like your dad's partner. Try and turn up on time, and when you go in, tell her you know she is busy so you won't keep her. Or even better, meet your dad somewhere half way between you, so the driving is halved and if there is a large park/lake/adventure playground/ forest/ beach or just a cafe, then it is a bonus. She sounds like she has issues of her own and is trying to dump them on you. Then if you can't solve them it is your fault (I mean you cope with EVERYTHING else, right? Shove another thing on your plate).

    Sorry if this offends any Irish people, I hope this does not cause offense. Just my take on the situation I grew up in and was surrounded by and permanently bemused by.
    Originally posted by f0xh0les
    Thanks foxholes for your comment. I have told my dad that I will keep in contact with him and he knows that he is always welcome here. I have room for him to stay and he knows that. I think part of my step mum's problem is when I don't reply to her messages. She then just keeps going. My dad understands and I have explained to him what I have going on at the moment so I am hoping he understands why I am not going to see him at the weekend. I don't want to make things worse between him and his wife.

    I have already cut my mum out of my life as she spent most of her time commenting on how hard I was making my life instead of asking how she could help. There have been other issues over the years but that was the last straw.

    God that makes me sound like it is me that has the problem! I seem to have arguments with everyone! It's not really, I am just fiercely independent and feel like I have got myself into this message. I will also do anything to protect my children!
    Total debt Dec 2017 £23090.83
    Feb 2018 £6955.3669.88% paid
    Emergency fund £400/£600
    Total Savings £1125.79
    • f0xh0les
    • By f0xh0les 12th Feb 18, 8:26 AM
    • 1,274 Posts
    • 10,135 Thanks
    f0xh0les
    Well if your problems can be summed up as getting yourself out of the mess yourself, and loving and protecting your kids, you are obviously a terrible human being. Shame on you. How do you live with yourself? And without a big strong man to make it better! Shameless hussy!

    You are doing great.
    MFW START DATE May 16 £118,340 :
    October 17 - £109,495.00
    December 17 £108,800

    Jan 18 £108,392.98
    NEXT GOAL is sub £105k
    Mortgage-free wannabe 2018 #161
    • Cumbria lass
    • By Cumbria lass 12th Feb 18, 9:25 AM
    • 1,378 Posts
    • 7,893 Thanks
    Cumbria lass
    Hi mum of four now six.

    I read your diary on a regular basis , I think you are a wonderful parent , you seem to look after them singlehanded anyhow.

    Does your stepmum not realise how many balls you juggle in one day , I would imagine replying to text messages is at the bottom of your list unless they are off your children. It must be a comfort to your dad to know that he can come to stay with you if needed.

    I would just carry on as you are, maybe next time the children go to their dads could someone look after the youngest for you so you get a little time on your own ?

    Keep in going because it's looks like you will be debt free very soon and that is something to be proud of.

    The saying we can choose our friends and not our family is never truer.
    CC1 £3993.62
    • charlies tribe
    • By charlies tribe 12th Feb 18, 9:45 AM
    • 620 Posts
    • 5,135 Thanks
    charlies tribe
    I'm sorry you're feeling so alone right now. I know the feeling well. I haven't seen my mum in 2 years, she lives less than 2 miles away! I see my dad probably twice a year, he's about 10 miles away. I have DH but there is no one else we could ask to have the children for us. The little one's don't know who most family members are and my uncle walked straight past DD1 the other day as didn't recognise her.

    I just try to let my children know that the door will alway's be open for them no matter what and that i will do anything i can to help them (although i may regret that with DD1 as she's planning on bringing all her washing, while she eats her dinner here, before going back to her own place, LOL).
    LBM in April 17 - £5835/£33554 (17.3%) paid.
    2018 PAID OFF TARGET £211/5000
    DFD: 1st May 2022
    SPC #591
    • f0xh0les
    • By f0xh0les 12th Feb 18, 1:30 PM
    • 1,274 Posts
    • 10,135 Thanks
    f0xh0les
    I can't really complain about my m-i-l, she did offer to babysit once ( my eldest is 16 this year )
    MFW START DATE May 16 £118,340 :
    October 17 - £109,495.00
    December 17 £108,800

    Jan 18 £108,392.98
    NEXT GOAL is sub £105k
    Mortgage-free wannabe 2018 #161
    • JoJoC
    • By JoJoC 12th Feb 18, 1:56 PM
    • 1,545 Posts
    • 5,413 Thanks
    JoJoC
    Sorry you're having such a rotten time of it - I hope you manage to find a solution on the family front that cuts out all the drama but means you can still have a good relationship with your dad. You don't need that kind of grief in your life!
    CC1: £3804.52 / £3544.32 £300.20 paid | CC2:£5027.53 / £4781 £295 paid | Loan: £15,000 / £11,954 (£3,156 paid)

    July debt total: £23,832.05 | New debt total: £20,129 | Total debt paid: £3,703 (16%)
    *My debt busting and savings diary*
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