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
    • benbenandme
    • By benbenandme 29th Dec 17, 5:01 PM
    • 10,416Posts
    • 27,089Thanks
    benbenandme
    2018 Benbenandme's Next Battle
    • #1
    • 29th Dec 17, 5:01 PM
    2018 Benbenandme's Next Battle 29th Dec 17 at 5:01 PM
    Hello It's that time of year for another new diary ... I'm not a newbie, I've been around these parts for years, never quite knowing whether I should be on here or the Mortgage Free boards, but after much consideration I have decided to return here for my next diary installment.

    I have previous chapters of my journey on here, but a brief history of my last ten years is as follows: I am a single parent to a 14 year old boy with ASD. I love him to bits, he is my whole world, but causes me a great deal of stress and worry too We have been living in a flat for the last 10 years and I have worked hard to clear my mortgage on it. In March this year we finally moved into a small house, which is lovely, and near my Mum. My brother lent me £30k to help get the house which is my 'debt' that I am paying back. The monthly budgets are stupidly tight, partly as I want to get it paid asap even though he is in no hurry for it back.

    Looking further ahead ds is in year ten so only has 18 months until his GCSE's. After this he wants to do an apprenticeship which, from a financial point of view, means my child benefit, tax credits and child maintenance will stop , meaning a drop in total income from approx £1900 to approx £1200 So, this year could potentially be my last one with this extra income, so I need to maximise the potential ...

    My next post will list my SOA and my plans for 2018, please stick around for the ride, all help, support and thoughts are appreciated and very much welcome
    Mortgage Total: £75,000 £72,676 Mortgage End Date: May 2040
    Brother's loan: £10605 / £30,000
    2018 Fund £79
Page 8
    • benbenandme
    • By benbenandme 7th Feb 18, 7:47 PM
    • 10,416 Posts
    • 27,089 Thanks
    benbenandme
    So I came home today to a bloody speeding ticket It's my own fault but it's annoying all the same. I can do the awareness course but it still costs £95

    Not much else to report, two more days at school until I get a week off
    Mortgage Total: £75,000 £72,676 Mortgage End Date: May 2040
    Brother's loan: £10605 / £30,000
    2018 Fund £79
    • beanielou
    • By beanielou 7th Feb 18, 7:59 PM
    • 50,555 Posts
    • 193,423 Thanks
    beanielou
    £95 quid
    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***
    • benbenandme
    • By benbenandme 8th Feb 18, 8:34 PM
    • 10,416 Posts
    • 27,089 Thanks
    benbenandme
    Another £5 Amazon voucher ordered from Swagbucks, one more get up and then it's half-term
    Mortgage Total: £75,000 £72,676 Mortgage End Date: May 2040
    Brother's loan: £10605 / £30,000
    2018 Fund £79
    • dangers
    • By dangers 8th Feb 18, 9:08 PM
    • 1,394 Posts
    • 2,622 Thanks
    dangers
    HI Benben, do you use Shoppix? If so, do you have a referral code I can use.

    Ps, I!!!8217;ve reached my bonus every day so far this month on SB..
    • benbenandme
    • By benbenandme 8th Feb 18, 10:03 PM
    • 10,416 Posts
    • 27,089 Thanks
    benbenandme
    Thanks Dangers, I do use it, hadn't even noticed I could refer from it My referral code is: 2009D8HQ

    Thank you, and thank you for the sb bonus points you're earning me too
    Mortgage Total: £75,000 £72,676 Mortgage End Date: May 2040
    Brother's loan: £10605 / £30,000
    2018 Fund £79
    • dangers
    • By dangers 8th Feb 18, 10:13 PM
    • 1,394 Posts
    • 2,622 Thanks
    dangers
    I!!!8217;ve just tried it, and it doesn!!!8217;t like it for some reason.
    • benbenandme
    • By benbenandme 10th Feb 18, 12:58 PM
    • 10,416 Posts
    • 27,089 Thanks
    benbenandme
    Hi Dangers, if you haven't joined already can you ping me your email address via pm and I will send you an invite directly?
    Mortgage Total: £75,000 £72,676 Mortgage End Date: May 2040
    Brother's loan: £10605 / £30,000
    2018 Fund £79
    • benbenandme
    • By benbenandme 10th Feb 18, 1:12 PM
    • 10,416 Posts
    • 27,089 Thanks
    benbenandme
    And so it's finally half-term I don't have anything majorly exciting planned for this week, the weather is meant to be pretty pants so it will mainly be a catching up and chilling out kinda week. It wouldn't be a holiday without a nice long list from me though, so here goes ...
    • Clear washing mountain
    • Ironing
    • Clear surveys from inbox
    • Update financial goals and see if still on track
    • Buy lightbulbs
    • Unblock slow draining plug in bath
    • Clean hall
    • Clean downstairs toilet
    • Clean bathroom
    • Clean my bedroom
    • Clean ds bedroom
    • Clean kitchen
    • Clean kitchen cupboards
    • Clean car (inside)
    • Book driving awareness course
    • Clear paperwork pile
    • Pay coins into bank account
    • Apply for passports
    • Travel insurance
    • Pay cheque in
    • Job spotting
    • Inventory of freezer
    • Ebay random bits
    • Empty handbag
    • Gut the bottom of my wardrobe
    • Change bedding
    • Buy washing-up bowl
    • Mooch online for new curtains
    • Reset heating / hot water timers
    • Trip to the tip
    Last edited by benbenandme; 10-02-2018 at 2:18 PM.
    Mortgage Total: £75,000 £72,676 Mortgage End Date: May 2040
    Brother's loan: £10605 / £30,000
    2018 Fund £79
    • beanielou
    • By beanielou 10th Feb 18, 2:45 PM
    • 50,555 Posts
    • 193,423 Thanks
    beanielou
    That's some list!
    Enjoy half term.
    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***
    • Drawingaline
    • By Drawingaline 10th Feb 18, 4:40 PM
    • 339 Posts
    • 1,214 Thanks
    Drawingaline
    Wow that is an impressive list

    Makes my half term plans seem relaxing
    • benbenandme
    • By benbenandme 10th Feb 18, 8:24 PM
    • 10,416 Posts
    • 27,089 Thanks
    benbenandme
    Hi Dangers, I've popped your email address in the referral bit but I think its just going to email you with the same code
    Mortgage Total: £75,000 £72,676 Mortgage End Date: May 2040
    Brother's loan: £10605 / £30,000
    2018 Fund £79
    • benbenandme
    • By benbenandme 11th Feb 18, 11:41 AM
    • 10,416 Posts
    • 27,089 Thanks
    benbenandme
    Didn't manage much of a lie-in again today, so got up and went and did some job spotting. I've earned about £8 I think.

    I then did some shopping - £9 in Sainsburys (£6 on some beef for dinner and £3 on 3x Maybelline concealer / contour kit, each was reduced from £12 so they are heading for ebay

    I also spent £12 in Primark on a couple of t-shirts for ds and some other bits, £14 in Wilkos which included a bargain brushed cotton sheet reduced to £1.25 and 2 x matching pillowcases reduced to 63p

    £1 for the car park and £1.50 in Greggs

    So now I'm home, Bournemouth kick-off in 20 minutes, it's not on Sky though So an afternoon of mooching on the laptop, swagbucking and generally chilling. Ds is home mid-afternoon then it's roast dinner time
    Mortgage Total: £75,000 £72,676 Mortgage End Date: May 2040
    Brother's loan: £10605 / £30,000
    2018 Fund £79
    • beanielou
    • By beanielou 11th Feb 18, 3:45 PM
    • 50,555 Posts
    • 193,423 Thanks
    beanielou
    Blimey what a bargain with sheets & pillowcases
    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***
    • benbenandme
    • By benbenandme 11th Feb 18, 4:44 PM
    • 10,416 Posts
    • 27,089 Thanks
    benbenandme
    I know, I was well chuffed, they are a very pale grey but one of ds's duvet covers is grey so they'll be fine with that

    Let's not mention the football this afternoon Bathroom has been blitzed to get rid of my frustration at losing

    Ds is home now, roast dinner is underway and now I'm at the pottering stage
    Mortgage Total: £75,000 £72,676 Mortgage End Date: May 2040
    Brother's loan: £10605 / £30,000
    2018 Fund £79
    • benbenandme
    • By benbenandme 11th Feb 18, 4:49 PM
    • 10,416 Posts
    • 27,089 Thanks
    benbenandme
    I did also buy a reduced Wax Lyrical reed diffuser for the downstairs loo (£2.25) - I couldn't smell it in the shop as it was sealed but it is called wild cherries ... I'd describe it as Calpol
    Mortgage Total: £75,000 £72,676 Mortgage End Date: May 2040
    Brother's loan: £10605 / £30,000
    2018 Fund £79
    • benbenandme
    • By benbenandme 13th Feb 18, 9:49 AM
    • 10,416 Posts
    • 27,089 Thanks
    benbenandme
    Morning all, last night we did a pub quiz, didn't get close to winning but was good fun

    Today the weather is foul, I'm having an indoor day as I am having someone come round to fit a smart meter for the gas and electric today. The geek in me wants to be able to see how much we use a day

    I intend to get some more jobs done off my list today and just generally potter. I want to reach my swagbucks daily goal quickly too so I'm not saddled to the laptop all day
    Mortgage Total: £75,000 £72,676 Mortgage End Date: May 2040
    Brother's loan: £10605 / £30,000
    2018 Fund £79
    • benbenandme
    • By benbenandme 13th Feb 18, 10:26 AM
    • 10,416 Posts
    • 27,089 Thanks
    benbenandme
    Swagbucks goal reached, ds is awake, time for me to get up and get going today
    Mortgage Total: £75,000 £72,676 Mortgage End Date: May 2040
    Brother's loan: £10605 / £30,000
    2018 Fund £79
    • benbenandme
    • By benbenandme 13th Feb 18, 2:19 PM
    • 10,416 Posts
    • 27,089 Thanks
    benbenandme
    The man has been and fitted my new smartmeter for the gas and electric - I feel like a kid at Christmas, ds and I are going round unplugging everything that's on standby

    We've also bagged up the penny jar and have £105 waiting to go to the bank, I'm pleased with this, I'd budgeted £100 from there towards the cruise, so that's a little extra over the target, all helps
    Mortgage Total: £75,000 £72,676 Mortgage End Date: May 2040
    Brother's loan: £10605 / £30,000
    2018 Fund £79
    • benbenandme
    • By benbenandme 13th Feb 18, 5:17 PM
    • 10,416 Posts
    • 27,089 Thanks
    benbenandme
    I've rung up to get my phone unlocked and get my PAC code, I am quite confused about what I need to do to be honest, but hopefully soon I will be able to use my phone indoors again - the signal here is rubbish and I was with Tesco who have been great but the signal means I need to move providers.

    I've also registered online so I can access ds child trust fund online, I need to wait for a password to come through the post for that. All little jobs that I've needed to do for a while ...

    I've cashed out a £10 Amazon voucher on a survey site, they are building up again now, at least I'll have credit there when I next need to buy birthday presents.
    Mortgage Total: £75,000 £72,676 Mortgage End Date: May 2040
    Brother's loan: £10605 / £30,000
    2018 Fund £79
    • benbenandme
    • By benbenandme 13th Feb 18, 6:43 PM
    • 10,416 Posts
    • 27,089 Thanks
    benbenandme
    Time for a list update ...

    Clear washing mountain Done but keeps growing
    Ironing
    Clear surveys from inbox Done but keeps growing
    Update financial goals and see if still on track
    Buy lightbulbs
    Unblock slow draining plug in bath Done
    Clean hall Done
    Clean downstairs toilet Done
    Clean bathroom Done
    Clean my bedroom
    Clean ds bedroom
    Clean kitchen
    Clean kitchen cupboards
    Clean car (inside)
    Book driving awareness course
    Clear paperwork pile
    Pay coins into bank account - Bagged up ready to go
    Apply for passports
    Travel insurance
    Pay cheque in
    Job spotting Done
    Inventory of freezer
    Ebay random bits
    Empty handbag
    Gut the bottom of my wardrobe
    Change bedding
    Buy washing-up bowl Done
    Mooch online for new curtains
    Reset heating / hot water timers
    Trip to the tip
    Hmm, that's not great. I'm feeling really down tonight, not sure why really just a general feeling of how monotonous and dull my life is. I constantly think about money, or the general lack of any spare money, I watch every penny I spend because I have to - which takes away any enjoyment in doing things. I think I'm feeling it today because the banking checks I did earlier don't look great.

    I just feel like life is a constant battle to find pennies and to monitor ds and try and help him stay on the right path when sometimes he seems hell bent on flying right off it

    I know I'm organised and top of it all but there really should be more to life than that shouldn't there? I just feel like I have years of getting older and lonely ahead of me. I don't see things changing, I know this sounds really miserable and self-pitying and I don't want it to be like that but years of being a single parent of an SEN child have left me fairly reclusive and the finances don't do much to change that. Ds can be utterly vile to me and I am constantly waiting for the next onslaught ... The ex from hell has changed me so that I don't trust anyone anymore and the thought of a proper relationship again scares the hell out of me, mainly because if I'm honest I don't believe in it. Right now I feel like if it wasn't for my Mum it wouldn't matter if I wasn't here anymore. Wow that sounds self-pitying, I don't mean to, I just feel crap today I know it's why I have no motivation to get on with the list, I don't care right now if any of it gets done or not

    I'm waiting for 7pm when I can call my mate without it costing me anything, hopefully she'll talk some sense into me
    Mortgage Total: £75,000 £72,676 Mortgage End Date: May 2040
    Brother's loan: £10605 / £30,000
    2018 Fund £79
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

3,430Posts Today

8,817Users online

Martin's Twitter
  • Happy Birthday Jordon. 21 today. Wish you as good a day as you can, and hope you are out of hospital and on the m? https://t.co/G0V9q9agzT

  • Got a Help to buy ISA? You have an urgent decision to make or risk missing out on £1,000s. I explain in detail here? https://t.co/W5OJieZddJ

  • URGENT warning to all prospective first time buyers. You need to decide NOW if you are moving your help to buy ISA? https://t.co/BDK21rkLL4

  • Follow Martin