The ultimate incentive to get debt free, can I do it by New Years?

poddle911

Dinah93 wrote: »

Bit of good news today though, got my 5 years service at work, so my holiday entitlement has gone up to 32 days a year +12 flexi days.

Hi Dinah

Glad you enjoyed your long weekend. Wow, that is good news about your holiday entitlement - when do you find time to take it all?!:rotfl:

Joint finances are always a bit complicated and I agree with Cinny that it's perfectly understandable if you have reservations. When I moved in with OH (renting) he was literally earning twice as much me so we decided to open a new joint account and both put a percentage of our salary into it to cover household bills, groceries and some going out. 3 years later we still do pretty much the same and it works for us, but I guess it depends what you're comfortable with.

How are you going at the gym? You must be feeling the difference now, rate you're going at!

Birdie - it must be really exciting to have your news out in the open - congratulations again!

Dinah93

Does the £100 a week include all his bills or are they on top of the £100, if it includes council tax, gas, elec, water, broadband etc then it might be worth him moving out and getting a bit of independance - last thing you want is a few years down the line him moving straight from his mothers house to in with you - you'll be expected to take over where she left off! If however it's bills on top then I would encourage him to clear the debt first as any spare money should be going at that at the moment, and he can treat himself to a better standard of living afterwards.

It would make things a lot easier having the joint account, and while he brings in less now, he has effectively paid off £2.8k of my debt so far. The agreement we'd penciled out was that I give him his money on a Friday (he's not used to cards, he's better with cash as he can keep track of it) and that has to last him until the next Friday and cover all his petrol, mobile top ups, etc. Anything left the next Thursday night goes in the Penguin savings jar and we start again. His rent is £60 per week, this week he only got paid £67 as he missed a shift through illness and 3 hours when their computer systems went down and they sent them all home. He's calling the teacher supply place today to see if he now has all the information they need to run a CRB check.

Dinah93

Morning poddle. I earn a lot more than NIM at the moment, even if he got a full time job, I would still earn quite a lot more I reakon. However, both of us are very resolute that if you are emotionally and physically committed to a person, for us we want to be financially committed too and that means complete 'whats mine is yours'. I would be extremely uncomfortable having more spare than him, he's moved over here and given up all that he knows for me, now he's here I don't want him to feel like the poor relation while he gets set up. Wow, I think I just made up my mind.

Don't know when I will take it all tbh! 6 days and a flexi has gone on Egypt, other than that, hmmm, going to have to find us some more holiday bargains!

Gym doesn't seem to be making that much difference! Feel a bit slimmer around the middle, but scales say I'm going up! Went 5 times last week so should be making more difference than it seems to be!

Birdie85

Dinah93 wrote: »

Gym doesn't seem to be making that much difference! Feel a bit slimmer around the middle, but scales say I'm going up! Went 5 times last week so should be making more difference than it seems to be!

I wouldn't worry about the wieght going up Dinah, it'll be muscle! If you feel slimmer then it is working!:T

Birdie85

DOTD! I seem to be leaning towards floaty chiffony type fabrics, luckily we want to get married in the spring/summer so it'll be OK!

Tete_en_l'Air

Morning girls, yeesh, I've been driving round the country roads of three counties all morning helping out at an event - got lost on the way there AND on the way back, AND that's after OH and I went on a recce yesterday :rolleyes: A pigeon I am not! And I've got a manky cold sore from walking that bloody Corpse Way in the horrendous sleet and wind on Saturday

Ah, congrats Birdie!! Your diamond's bigger than you thought? Can't be bad!!

Was it Lara's OH with the £4000? (too much to catch up on!) - ugh, hope he gets something back, what a nightmare!

Cinny, I also spent £20 on new bedding at the weekend, after promising myself I wouldn't buy anything til Paris is booked. Got A gorgeous Ronit Zilka set with little patchwork birds on from TK Maxx - doesn't really go with my room but it was so cute I had to have it! If £100 per week includes all bills then that's not bad at all, especially if it's a flat to himself?

Dinah the only thing I'd say about joint accounts is will it affect NIM's credit rating to be connected officially to you? He won't have a much of a one in the UK anyway, so for the minute it might be best to have a 'joint' account but just in one or the other's name? Never had a JA though so that's just a thought. I agree with Birdie's last comment there too, muscle weighs more than fat :T Whereabouts in Billo is NIM? (I probs won't know it either mind, like I said, I'm no pigeon!)

Tete_en_l'Air

Re: DOTD - not too sure about the heart shaped neckline but apart from that it's lovely! The model puts me off though she looks like a right hard-faced old moo!

Dinah93

Pretty and fairy like, but doesn't make me go 'wow' I'm afraid.

Now I've made the decision I actually feel quite good about opening a joint account with NIM, financially having me at the helm managing the money will be better for us, he just doesn't keep track of it sometimes. I do earn more, but he does more around the house while he's only working part time, the ironing, tidying the room and whatnot, and I have no issue having equal access to funds if equal effort is put into maintaining our quality of life in some way.

Cinny91

Dinah93 wrote: »

Does the £100 a week include all his bills or are they on top of the £100

I think that's what he mailed them about, all it said was 'includes all bills' nothing else. I'm fully behind him moving out but I have to act like the voice of reason sometimes as he gets carried away easily. Just waiting to hear back from them now. He hasn't got massive debt, just in the hundreds so I think he'd easily cope even if things were a bit tight, but he isn't one of those people who thinks they deserve the best of everything. He's only in debt because of that money pit of a car he has. :rolleyes:


I think the joint account would be a good idea, you and NIM seem like the real deal to me so if you're sure it's the right thing to do go for it.

Dinah93

My credit rating is actually pretty good. Got the report about a month ago, only negitive thing on there is the A & L account, everything else has always been paid on time. In addition there is almost no debt showing on there since the overdraft is the only thing left that is official. However I will raise the point with him.

He's at the Belsais business park (spelt something like that!) but I've only been to Billingham twice ever, so very little chance of finding him!