Financial faux pas and other disasterous decisions

moo2moo

Bleugh. Does Flylady have a time machine?

Tuesday ~ Kitchen, Utility and Dining areas
Level One
Sweep and mop floors
Declutter and wipe worksurfaces
Level Two
Wipe ALL large appliances
Wipe and replace all small appliances
Scrub tiles.. and grout..
Shine sink and taps
Level Three
Throw away 10 items you have kept for ages but have absolutely no use for!..
Clear and wipe window sills
Wipe table and replace cloth if necessary
Extras

1. Muck out the fridge..
2. Muck out the oven and hob
3. Muck out the microwave.. or other small appliance.. toasters with dead mice in spring to mind!
4. Tighten and wobbly pan handles!!

moo2moo

Seem to have spent most of the day sitting on my bum eating biscuits. V. yummy but not v. productive. OH was badgered into disinfecting a bit more path. Have done two loads of laundry but forgot to put the first load into the drier so I'm playing catch up. Managed a couple of surveys and have completed all the forms for Shop & Scan. Can't do any more until my beeping gadget arrives.

Yeasterdays E-bay item (all one of it) didn't sell. Tomorrows identical item has lots of watchers but no bids.

Have written an entire DooYoo. Need to do another 10 to get a £50 cheque. In theory I could do that in a day if I was in the right frame of mind but I'm not. Still in mega can't be arsed mode. Attempting to be super frugal but still seem to be hemorrhaging money.

Discovered Easter falls into this years hols not next so I'll have to work at least the first week of it because I'll have run out of holiday by then. May be able to claw a little back by working the last Friday of Feb half term as my parents have decided to have the DDs from Thursday evening until Sunday. They are superstars.

mooomin

moo2moo wrote: »

Seem to have spent most of the day sitting on my bum eating biscuits. V. yummy but not v. productive.

I'm sure that counts as decluttering under Flylady

I certainly decluttered the Ben and Jerrys well two days ago :rotfl:

moo2moo

Another day, another batch of unexpected spends.

£1.20 to school for transport to todays swimming lesson
£1 for the tooth fairy

Also need to consider getting a new phone. My current phone deals with unopened text messages and missed calls by ignoring them. No beeping noises, no flashing lights no nothing. Clearly opening it to check to see if I have any is far too complicated for a simpleton like me. Arrived home last night to Oh asking if I'd got the text. Hmm. The look on my face says it all. Opened phone to message which read "DD2s tooth has come out". "Wow" said DD2 "how did the tooth fairy know that? She really is magic." Mmm her mother on the other hand is clearly less talented.

OH had a fab day yesterday and his friend paid for them both at the range as a thank you for the loan of a rifle and use of pellets. Happy OH and peace for me. Hes borrowed some gadget from the garage for doing something on the toy landie which is required for its MOT thus saving paying someone else to do it or the hassle that goes with a fail. Assuming it doesn't rain he'll be doing that today whilst I am browbeaten by flylady into tackling an enormous chunk of downstairs. Also need to vac the bedroom as the dog is moulting.

Wednesday ~ Living/Family/Reception room
Level One
Declutter and vacuum floor!
Wipe sticky grubby marks from sofas
Level Two
Wipe sticky grubby marks from walls and paintwork
Vacuum nuder furniture you can safely move.. we have bit of a baby boom on at the moment so please all be careful!!!
Wash any smelly soft furnishings (this may include pets and OH's)
Level Three
Clear and wipe firesurround..
Decant all the miscellaneous papers and bits into a box
Polish any glass.. screens, pictures, ornaments mirrors etc

Extras

1. Wipe and water any plants
2. Vacuum fluff from the fire and behind the radiator
3. Sort through the box of miscellaneous belongings
4. Binbag dance

moo2moo

Its 6am already but it might as well be 2am. I've had a major bout of insomnia. Clock watched until almost 4am and then dropped off just as I was going to get up to do something, anything. Now feeling super mega pants. OH had a skinful last night which led to a barney just as I was attempting to drop off to sleep which left me well and truly wide awake and wishing I had a job which paid enough to get a mortgage. At the mo I don't quite earn enough for a Park Home. Thats estate agent speak for static caravan with parking place in a location no one in their right mind would want to holiday at. I bet hes back to his normal self when he wakes up but when hes been drinking he turns into a complete !!!!!!.

Right all negative thoughts behind me for today is a new day. One that sees me lurching through it with great black bags under my eyes and matchsticks to keep them open but its still a new day.

Once again things didn't go according to plan. Spent the entire day assisting OH in a ball joint rebuild. For those unaccustomed to all things grimy its a teeny wee thingy a bit like a joystick housed underneath the front end of a Land Rover. Its generally been firmly wedged into place for several decades and can only be removed from the comfort of its surroundings with the assistance of a large sledge hammer and a 4" length of scaffolding. Borrowing a gadget from the garage clearly helped but not before we'd snapped a crucial bit of the scoket set necessitating the purchase of a replacement for £21.49 from Halfords (using gift vouchers of course). Landie now back on the road.

Today hes planning to be at a friends doing go-karty things for the majority of the day whereas I feel like climbing back under the duvet. Hoping lots and lots and lots of coffee will perk me up enough to drive.

moo2moo

The numerical bit. It is nearly the end of the month and its another day closer to payday!

A visit from the coal man saw off another £51 still the winter will soon be over

Days to payday: 18
Money in purse : £0.49
Money in emergency jam jar: £3 Chickens are finally laying enough to start selling eggs again
Money in bank: £65.64
Money spent in January: £1853.39
Money remaining of this months portion of the live on £20K challenge : -£186.39
Part used smellies used up and disposed of: 7

Also sold my first item of 2010 on fleabay netting me a whopping £2 or so after fees.

moo2moo

Wandering around in a mental fog.

I've spent the last 15 years of my life with the OH problem is I'm not sure I want to spend the next 15 with him. I'm yo-yoing from worshiping the ground he walks on to resenting him. Its really not a healthy situation to be in for me or him or the DDs. Hes still their dad but is that enough? Most of the time its more than enough but there are too many others where it most definately isn't.

Have spent the morning thinking and I'm still not getting anywhere. In fact its made things worse rather than better. The average rental in a commutable area for work is £450 a month. The only property on the market that I can afford looks fabulous but is seriously flawed, even when viewed through my rose tinted glasses. Apart from the lack of garden (which is not the end of the world) it is no bigger than a shoe box. Gut instinct at the moment says a shoe box of my own would be great but it only has four rooms. Discounting the kitchen (surprisingly spacious) and the bathroom that would leave the DDs sharing a bedroom and me getting rather too well aquainted with either a futon or a sofa bed. Studio apartment living without the big city lifestyle. Ratehr more worringly the estate agents have only included three phots one of which is seriously out of focussed.

Stuck in la la land. Want to go and see it to see just what my options are but then to see it is to admit that a decades worth of marriage is well and truly over. But then its all ratehr irrelevant really. According to the on-line mortgage calculators the people who say yes would only say yes to £40,000 leaving me £15,000 to find plus furniture. My dads retiring in 5 months time so I wouldn't want to put him in that situation.

Half wondering if I do something about it now whilst things are good or wait it out and hope they don't get any worse. Problem is I've been waiting for things to get better for a while and when they do something else comes along and pulls the rug out from under my feet.

Men. Can't live with 'em, can't bury them under the patio.

Bet he comes home nice as pie completely oblivious to all the horrible things he said last night.

Rambling to myself now. Going to dive under the duvet for the rest of the day in the hopes that I have a more positive outlook on things when I wake up or at least any descisions I make are with a clear head rather than an exhausted one.

alibob30

Oh Moo, I feel so sorry for you, what a difficult situation.

I would say that yours and the girls happiness is most important and it sounds like you'd be happier without him. All very easy for me to say, I know.

I'm not in your situation so don't know much about it but have you factored in tax credits, child benefit and maintanance? http://www.entitledto.co.uk/ might help to see what benefits you can get.

Want to offer you a :hug: wish I could be of more help.

beanielou

alibob has said what I would have said.

moo2moo

Thanks guys.

Managed to grab an hour or so of sleep so feeling marginally more human but still teetering on the brink of a yawning chasm. The mortgage people base their figures on what your income is and what it has been over the past three months not what it has the potential to be. In order to have any applicable benefits taken into account I would have to move somewhere as a stepping stone for at least 4 months in order to know what I would have as an income but two moves in short succession would be detrimental to the DDs and they are the most important thing in this whole twisted scenario.

Still not convinced I'm not making a mountain out of a mole hill.

Off to slough off my PJs and morph into someone who can lurch through the next 24 hours without saying something she'll regret. Would rather the DDs didn't get upset by overhearing things that would cause them to worry if its at all avoidable. And it is avoidable. V. tempted to pour all the alcohol in the house down the sink but I've done that before too without success.