Lunars next chapter

lunar

I have decided its time for a new diary, looking back at my old one i feel ive come a long way in the time since i joined the MSE forums. when I joined the site i had £34310 in debts caused by wreckless spending, never opening statements and thousands of £££ spent with my x husband on failed fertility treatments.

before i moved in with my partner i told him the full extent of my debts and the situation i was in as i didnt want to lie and get in any worse trouble than i was or drag him in with me. I honestly thought he would change his mind and decide I wasnt worth the trouble. however i was completly wrong, he was detirmined to help me out of the problems and start our life together. He is brilliant with money and is a compulsive saver, i dont think it would ever occur to him to use credit apart form house buying.

He wanted to helppay my debts but i was and still am detirmined that i will sort them myself. He pays nearly everything to the running of the house and bills and has been saving for a deposit for our first house for more than a year now. Im only paying the cost of the food shopping (to give me an insentive to reduce the price) and to run my car. I also keep up with pension payments as i have been paying it for over 7 years now.

I do have some savings because i want to be able to pay something when we finally buy our house to put into the deposit. I know this seems silly when i have these huge debts, but i have to feel im doing something towards our future and really want to be able to pay some of the deposit even if its only a small contribution. I put £200 away per month for this.

We did find a house we wanted to buy and had our mortgage offer ready to sign however we got scared off by the current state of things. its a good job too, it was actually a new development and the salesman rang last week to say the houses had been reduced by over £35000! so we are still renting and will take a look again after christmas if things start to look more stable.

So I have paid off nearly half of my debt since joining here, however the pace is about to slow down. my christmas gift last year from my OH was that he paid £3000 for us to have ferlity treatment in january, which to both of our suprise worked. So here i am on my maternity leave with just over 3 weeks to go. Every inch of the house is clean for the first time ever, the washing and ironing is all done, paperwork is all filed and the nursery is all ready. I decided all i had left to do was refresh my diary and goals for becoming debt free.

I will post a link to my old diary if anyone is interested. To everyone that is still reading and to those who have given me so much support and advice over the last year thank you so much. I really dont know where i would be without this place, probaly sat somewhere with double the debt no way out. This palce is a real life saver for so many people.

Snaggles

Oh Lunar, I didn't realise your due date was so close!! :j :j

Happy new diary!!! :T :T :T

lunar

Old diary http://forums.moneysavingexpert.com/showthread.html?t=531617&highlight=lunars

pania

Hello lunar!!! good to hear form you sweet and happy new diary

Lots of love
xxx

millionaire_in_training

wowsa!!! 3 weeks OMG. I can remember how much we were all crying when you got pregnant. I am so so happy for you. A boy too. Aww I have obe of those and he lights up my days. I have one of the other also and would say the same about her but she is a horrible teenager just now....bleugh !! jUST KIDDING SHE IS LOVELY THE MAJORITY OF THE TIME TOO. oops soz for caps dunno what happened there. All the best to you missy xx

chocaholic110

Hi Lunar!

These last few months have gone so fast... although I bet you don't think that!

BeenieCat

Hi Lunar, i just thought i would post as i've spent all evening reading every page of your old diary from start to finish.

Congratulations on the pregnancy, at one point you said you would need to go for counselling if you didn't get pregnant as you didn't think you could cope - and now you're just 3 weeks away! It's amazing that we got to share the rollercoaster of the last year of your life.

Pia

lunar

Thanks Pia, hopefully my diary was good for helping you get some sleep. my life seems pretty uneventfull compared with loads of people on here!

To be honest now i only have a few weeks left it does seem to have gone pretty quick. I saw my contultant a few days ago, she thinks there is no way i will reach my due date. ive been having major back ache which is giong down my legs and some stomach cramps, which she said is a good sign. also other signs which may be TMI for on a DFW board! I was also 2cm. really hoping he will be here soon as im huge and am walking like a duck, which my oh keeps laughing at.

As for the money stuff, just completed the balance transfer onto my new barclaycard from natwest cc so it will stay on 0% for another year. really hate the £90 transfer fee that gets added. I need to pay around £100 to close the nat west account but i have to wait a fewdays asits the card ive been making daily payments onto so i need them all to be showing first.

chocaholic110

Lol, no way is your life uneventful. When I think about your story over the last year or so and how things have changed so much for you it makes me almost tearful!

penguin83

Yeay for the new diary Lunar - cant believe due date is only 3 weeks away that time has just flown (although prob not for you!) and as for the waddling that is where the penguin name originates from!

x x x

lunar

while i was doing my mamoth house cleaning recently i did get nearly everything possible listed on ebay that i wanted to sell. Ive just been to the post office and got the last of it sent off today. Im going to use all the money to get christmas sorted, so after paying all the b****y ebay fees and postage it leaves £467 in paypal. I also have £80 in vouchers saved over the year and £30 on my boots card so that should more than cover it. Food is also sorted as ive been getting saving stamps through the year, some for morrisons some at sainsburies and a few m&s vouchers as i really love their christmas foods.

I was thinking of trying to make a christmas cake this year, does anybody have a good (easy) recipie i could pinch?

Do you think it will drive the family mad if i send out a text asking everyone what they want? oh well ill do it anyway im sure more than half will ignore me. Im hoping to get the wii fit board, i can dream cant i? cant really complain though, nothing could beat what my oh got me last year!


Chocaholic where has you sig gone? it always guilt trips me into sorting out christmas money, hopefully you got enough saved and are having fun spending it.

Penguin, well dont on the weight loss, however i do wish you wernt sending all those extra lbs onto my waist line. i seem to have got huge over the past month and am sick to death of wearing the same 2 pairs of trousers and tops every day. really need to stop eating so much chocolate i guess.