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Aftermath chez Wol2 –moving forwards after the flood

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  • Ames
    Ames Posts: 18,459 Forumite
    Yes I'll be in Manchester.

    What you said about the stress, depression is so true. Baby steps really are the key, it can be frustrating but it's better to get there slowly than to burn out along the way. I've done both in the past and definitely found baby steps to be the right way to go.
    Unless I say otherwise 'you' means the general you not you specifically.
  • beanielou
    beanielou Posts: 95,493 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    As you saay Wol it is the total lack of control which is the problem & it is difficult when you have to deal with everything torself & then when u get into the worrying vicious circle.........
    Anyway take lots of care & onwards & upwards hun.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "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.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • piglet29
    piglet29 Posts: 6,214 Forumite
    Wol2 wrote: »
    Hi Piglet HUn

    Thought you'd gone as your light went off...consultant was today (oops yesterday now ).....yet another one (havent' seen the same person twice since Beechy boy did his worst!!)

    "Keep massaging and change your E45 cream as you;re obviously allergic to it "was basically the message...oh and ....."maybe it might feel better in 18-24 months time"

    Oh well, just keep playing Bat out of Hell I suppos....

    Hugs to you my dear....hope you is OK.

    xxx


    Hi Wol, dont know what is happening with my light......one minute it is on and next its off:rolleyes:Think they may be trying to get rid of me...or pay rent as i spend so much time here!!:rotfl::rotfl:

    Sorry the news from the consultant wasnt great babe, but at least there is hope of an improvement in time eh ;)

    Cant believe those stoopid builders and the cutting of the cable, but as we know what we do about them now we shouldnt be surprised should we:mad:

    I send you love and hugs babe and loads of strength to get through the stuff you have to sort;), speak to you soon hunnie xxxxxxxxxxxxxx
    A freebie a day sends a smile my way!
    Night Owl member No 9 :kisses2:
    I Started out with nothing.....still have most of it left:o
  • Numpty_Monkey
    Numpty_Monkey Posts: 14,196 Forumite
    10,000 Posts Combo Breaker
    Hi hun
    Hope the piggies are behaving

    And that you are going to bed before Chev oclock:eek:
    PROUD TO BE DEALING WITH MY DEBT NERD #869
    Numpty,Not sure why but I'm crying :o . Of all the peeps on this board you're the kindest & most supportive of all & I'm :mad: & :( for you all at the same time . Wish I was there to give you a big :grouphug: & emergency hobnobs
    xx
    DFD 5/1/16
  • Wol2
    Wol2 Posts: 3,845 Forumite
    Part of the Furniture Combo Breaker
    GunJack wrote: »
    woohoo Wol :D excellent shiny new thread...when you see all the disasters down in one like that it really brings it home how sh0ite a year you had :(

    just a quickie to add my support and here's to a better 2009 !!! I hope you joined me and mrs G-J in burning 2008's calendar soon after 1 Jan, hang in there and..... (starts to do a Yazz impression).....

    The Only Way Is Up !! Baby..for 2009 now..
    the only way is up.... etc. etc.,

    I never could sing ;)

    BTW, ref the hand...get yourself a stress-ball/grip-strengthener..not only will it help build up the muscle and keep everything moving better, it will also help break down the scar tissue in the area...give it a try...

    May I also add to the roll-call of those who feel honoured to be mentioned in your first post....if I/we helped...glad to have done so :) after all, isn't what this community is all about ?!?!!?!? OF COURSE IT IS :D

    Hi GJ

    Thanks for posting your support - excellent suggestion about the stress ball as will fulfill a double purpose methinks as negotiations with the builders over payment are about to start ...:cool:

    See you on the Owls Hun and hope the knee is getting better.

    xxx
    Flooded 20/07/07 :(.
    Normal service FINALLY RESUMED 31/07/10 :j:j
    " It is a mistake to think you can solve any major problems just with potatoes." Douglas Adams...."or the FOS" Wol2
    Numptie groupie #2 :cool:
    Mortgage offset drawdown [STRIKE]£60861[/STRIKE]:(.... [STRIKE]£60074[/STRIKE] [STRIKE]£59967[/STRIKE] £65k 'ish 1/6/14

  • Wol2
    Wol2 Posts: 3,845 Forumite
    Part of the Furniture Combo Breaker
    Ames wrote: »
    Yes I'll be in Manchester.

    What you said about the stress, depression is so true. Baby steps really are the key, it can be frustrating but it's better to get there slowly than to burn out along the way. I've done both in the past and definitely found baby steps to be the right way to go.

    Woo - great you'll be in Manchester - this looks like it's going to be a big meet :j :j .....

    xxx
    Flooded 20/07/07 :(.
    Normal service FINALLY RESUMED 31/07/10 :j:j
    " It is a mistake to think you can solve any major problems just with potatoes." Douglas Adams...."or the FOS" Wol2
    Numptie groupie #2 :cool:
    Mortgage offset drawdown [STRIKE]£60861[/STRIKE]:(.... [STRIKE]£60074[/STRIKE] [STRIKE]£59967[/STRIKE] £65k 'ish 1/6/14

  • Wol2
    Wol2 Posts: 3,845 Forumite
    Part of the Furniture Combo Breaker
    beanielou wrote: »
    As you saay Wol it is the total lack of control which is the problem & it is difficult when you have to deal with everything torself & then when u get into the worrying vicious circle.........
    Anyway take lots of care & onwards & upwards hun.

    Thanks Beanie :kisses3:
    xx
    Flooded 20/07/07 :(.
    Normal service FINALLY RESUMED 31/07/10 :j:j
    " It is a mistake to think you can solve any major problems just with potatoes." Douglas Adams...."or the FOS" Wol2
    Numptie groupie #2 :cool:
    Mortgage offset drawdown [STRIKE]£60861[/STRIKE]:(.... [STRIKE]£60074[/STRIKE] [STRIKE]£59967[/STRIKE] £65k 'ish 1/6/14

  • Wol2
    Wol2 Posts: 3,845 Forumite
    Part of the Furniture Combo Breaker
    piglet29 wrote: »
    Hi Wol, dont know what is happening with my light......one minute it is on and next its off:rolleyes:Think they may be trying to get rid of me...or pay rent as i spend so much time here!!:rotfl::rotfl:

    Sorry the news from the consultant wasnt great babe, but at least there is hope of an improvement in time eh ;)

    Cant believe those stoopid builders and the cutting of the cable, but as we know what we do about them now we shouldnt be surprised should we:mad:

    I send you love and hugs babe and loads of strength to get through the stuff you have to sort;), speak to you soon hunnie xxxxxxxxxxxxxx

    Hi Piglet :hello:

    No chance - get rid of our lovely Piglet :A - they'd better not try :naughty:

    Hope things are sorting themselves out at your end.......catch up with you soon...

    xxx
    Flooded 20/07/07 :(.
    Normal service FINALLY RESUMED 31/07/10 :j:j
    " It is a mistake to think you can solve any major problems just with potatoes." Douglas Adams...."or the FOS" Wol2
    Numptie groupie #2 :cool:
    Mortgage offset drawdown [STRIKE]£60861[/STRIKE]:(.... [STRIKE]£60074[/STRIKE] [STRIKE]£59967[/STRIKE] £65k 'ish 1/6/14

  • Ooh - both online at the same time :T

    How are you doing hun?
    £34,547 (Dec 07); Current debt: £zilch (Debt free December 2010)
    Sealed Pot #389 (2010=£133)
  • Wol2
    Wol2 Posts: 3,845 Forumite
    Part of the Furniture Combo Breaker
    Hi Numpty

    Piggies are behaving thanks Hun but a tad sulky atm as their spinach and greens have dried up (Sainsbury's not stocked them since before Christmas - still that saves me quite a bit off the weekly shopping bill ;) ) and they are having to make do with more hay (which suits me fine as it is much much cheaper - £7.50 for a large bale which lasts them a month - whereas it has been costing £10.00+ to keep them in fresh veg for only a week :eek: )

    Well I have finally done my tax return :j :j ...the good news is it looks like I should get some NI contributions refunded (I did last year - about £130)....which will go towards the two new tyres being fitted next week. The bad news is I might not have been given the right tax code and end up owing the tax man some dosh on the bonus I was paid Xmas 07 :mad:

    I've also talked myself into an extra £250 payment for some workI did for a client before Christmas, :D and more work over the next two months (Not guaranteed) which could bring in an additional £1200 per month until end of March :j

    ....And I started back at the gym and was actually surprised at how well I did despite not going for 6 months - I am still far more fit than I was this time 2 years ago before the flood :D

    After the massive cookfest last week, I have enough frozen meals to last the rest of the month and my weekly shopping bill was reduced down to £35 this week.... Biggest expenditure is on lactose-free milk which is £1.37 compared to ordinary semi-skimmed at 0.86......an extra £2.50 per week simply because I have to steer clear of lactose :mad: ..so I have decided to phase in one ordinary carton of milk each week and see if there is any problem. Also now I have discovered spelt flour and have a breadmaker I can avoid the expensive (AND YUKKY) gluten-free stuff and make my own bread for £2 per week. (Thankfully it seems I have intolerance to modern day wheat rather than wheat gluten per se...)

    Still no word from the insurance company or loss adjusters about the interim payment :mad: ...but i have managed to move my ISA into the mortgage offset so should avoid having to pay interest next month on the additional £40k drawn down on the mortgage last July. Any interest charged from now on until the insurance company pay up on my claim will be reclaimed from the latter ;)

    Objectives for this week:
    Write another letter of complaint to insurance company requesting interim payment
    Raise invoices for billable work to date
    Sort out all paperwork and do business accounts ready for 08/09 tax return
    Insulate roof space and book in plumber to fix leaks
    Book car in for tyres (as I am now right on the legal limit :o )
    Send off more CV's
    Get hair done in preparation for job interview.....(more on that next week ;) )
    Sort out another 0% BT for outstanding credit card debt (current 0%due to end in March....)
    Go to gym at least 3 times....(got to get my money's worth while I'm not working full time ;) )

    Right I'm off the make some bread and sort out the paperwork....see you all later

    Hugs to all
    Love
    Wol2
    xxx
    Flooded 20/07/07 :(.
    Normal service FINALLY RESUMED 31/07/10 :j:j
    " It is a mistake to think you can solve any major problems just with potatoes." Douglas Adams...."or the FOS" Wol2
    Numptie groupie #2 :cool:
    Mortgage offset drawdown [STRIKE]£60861[/STRIKE]:(.... [STRIKE]£60074[/STRIKE] [STRIKE]£59967[/STRIKE] £65k 'ish 1/6/14

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