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My Journey

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  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    sounds like there is a lot going on. Good luck with the job hunting and hope LL pulls their finger out soon
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £5K updated 10/10/25
  • bevan840
    bevan840 Posts: 1,014 Forumite
    Part of the Furniture Combo Breaker
    Hi Jo & SH

    Today have headache again, knew it was too good to be true it disapearing *shrug* Most of my body is back to normal now apart from my right leg which is still causing a bit of pain.

    Boss had meeting in the office this morning so I'm a little behind on checking bank etc have updated spreadsheet, so long as LL doesn't change his mind before weekend we shouldn't have to use the overdraft for the rest of the month :D :j I'm not counting my chickens though because no doubt something will come up that needs paying for! Need to wait a few days for interest to go on CC1 before I can update the debts for end/beginning of month. DH won't be home till saturday night so will try and do end/beginning month SOA's during the day :)
    LL is not so much busy as he is lazy, he keeps a lot of things from his GF and both me and DH were interested to see what would happen if we told her about the rent situation as it might get the ball rolling that much quicker, but we've so far restrained from doing that :)

    Have spoken to the estate agents about that house again, they have said they haven't heard anything from the Landlord yet, but they can't see it being a problem about the pets, there will just need to be something put in the contract about any damage caused by them we will be liable for, which is understandable. Rang them back to arrange a viewing but as it's only been on the site a few days they are still waiting for the last bits of information to come in from the LL :) They have my number to arrange a viewing when they have everything :) Bank of Mum and Dad are on standby for a phone call asking for bank transfer via sister and then they give sister a cheque. I have also talked them into accepting a standing order to pay this one back at a certain amount every month :) And if I should, accidentally on purpose, forget to cancel it some of what I owe them and they refuse to accept might get paid too :) hehe

    Haven't checked direct.gov today yet as Boss was here 5 minutes after I got in :o Will do it later when I know he isn't coming back in :)

    Don't think theres much else, hope your all ok xxx
    :idea: Jan 09. Debt @ LBM - £11936.55 Debt at worst - £12600.55 Current Debt (01/03/2012) £8,859.51 29.7% Paid off
    Honeymoon Fund £410.40/£6000 House Deposit £1.50
    :A Proud to be dealing with my debts. DFW Nerd 1177 :A
  • bevan840
    bevan840 Posts: 1,014 Forumite
    Part of the Furniture Combo Breaker
    Morning Folks

    To another cr*ppy day, couldn't sleep last night so feeling shattered this morning so it isn't helping the headache and random aches and pains :o

    DH forgot to ring me last night :( Apparantly he didn't realise the time, he knew he was doing the bingo last night at 7pm and 'didn't think' to text me and let me know, I rang him at 8 as I assumed he'd forgotten only to be told he couldn't talk as he was about to start the bingo :cool: been trying to go without the tablets while he's gone which probably made me worse last night :o

    Haven't checked anything yet, started doing my V Scratch again, finally remembering I had it! B Scratch doesn't seem to be working this morning so will try again later *shrug*

    Hope the weather perks up today and you all have nice days :) xxx
    :idea: Jan 09. Debt @ LBM - £11936.55 Debt at worst - £12600.55 Current Debt (01/03/2012) £8,859.51 29.7% Paid off
    Honeymoon Fund £410.40/£6000 House Deposit £1.50
    :A Proud to be dealing with my debts. DFW Nerd 1177 :A
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hi bevan - I know it is not nice to be on tablets but sometimes we need them. If you need them take them. I take anti-Ds and believe me I am a much better person to be around because of it.

    I can tell the new job (and my tablets) are agreeing with me as my childcare providers are telling me I look much better LOL!

    Hope you manage to get a new place sorted soon.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £5K updated 10/10/25
  • bigzippy
    bigzippy Posts: 4,034 Forumite
    bevan840 wrote: »

    ...He was with 3 network before he met me, and was still with them when he moved out of his XW's house, we are thinking it might of been out of spite as it wasn't a happy split, or maybe she just forgot, misplaced etc but DH never saw any bills and just continued to pay his monthly payments until they stopped and thought nothing more of it as thought everything was paid when his contract ended, unfortunately that wasn't true and we now have to find money for a £417.01 debt :mad: His contract ended in 04/05 so why couldn't they of contacted him sooner!!!! No idea how we are supposed to pay this one as well as everything else :o
    Have you tried complaining or getting advice about it? I'm not sure whether it's something that you can get help with, as neither of you know what bills were sent out, I'm guessing, if they went to a different address? A chat with the ombudsman might be able to help you out...um OTELLO it is I think. I'm pretty sure they deal with 3. And if not them then Cesas (can't remember which letters it is lol).
    bevan840 wrote: »

    *Rant alert*
    Woke with nightmare headache today, can't find my painkillers so hoping Nurofen Migraine will take some of the edge off it, legs are still half dead and now my ankles kill every time I stand, constantly dizzy, back kills, arms ache :mad::mad::mad: God I hate this ME!!!
    *Rant Over*[colour/]
    I hear ya!! :cool: I'm on a 3 for 1 painkiller combo tonight...not cool!
    hi bevan - I know it is not nice to be on tablets but sometimes we need them. If you need them take them. I take anti-Ds and believe me I am a much better person to be around because of it.

    I can tell the new job (and my tablets) are agreeing with me as my childcare providers are telling me I look much better LOL!
    :rotfl: ;)
    "I am indelibly stained by hope and longing" - Nuts in May
  • bevan840
    bevan840 Posts: 1,014 Forumite
    Part of the Furniture Combo Breaker
    Wish I'd looked on here before I went to bed last night lol Got woken this morning at 6AM by Gizmo the little rat, after not going to sleep till around 1am :( Tried squirting him with water, didn't work, tapped him on the head, didn't work, lost the plot and put him in the pet carrier as I was getting very wound up!!! So not feeling too bright today.
    Took car to DH's mechanic friend and need to take it back on Saturday so that he can hook it up to the computer and see what faults it's throwing up. He thinks it could either be one of my plugs or the coil :cool: I know how to drive a car, but no idea about under the bonnet :rotfl:

    After having such a difficult morning ended up sitting on my bed crying :cry: I am seriously thinking of finding a new home for them as I can't carry on like this anymore, I love them to bits but if one was to go the other would have to as well as they have never been seperated (apart from when Giz was in hospital) and I wouldn't want to seperate them. Mum has told me to speak to the Vet and see what they can suggest. I can't put him in the carrier overnight as that isn't fair on him, he wouldn't be able to get out to the toilet or have a drink if he was in there.

    Hi BZ :wave: welcome to my little world of insanity :) Will look into having a word with the ombudsman, maybe he can clarify a few things for us as we still haven't received any statements :o I like the idea of a 3 in 1 painkiller combo, where do I get one of them :)

    Going to start the Anti-D's tonight and make an appointment to see the Dr as I only have 4 left which is why I was trying to live without them.

    Ended up giving DH an earful last night, I'd asked him the night before to find out from work if he was going to be working on Monday, his XW has asked him also if he would like to have the boys if he isn't working. The sheets/rota isn't done until Fridays but I told him to ask so that we could make arrangements but DH being DH wouldn't ask any further than,
    DH: am I working on Monday?
    Secretary: I don't know, the sheets aren't done yet
    DH: ok
    :mad::mad::mad::mad::mad::mad::mad::mad::mad::mad::mad::mad::mad::mad: I am sure he has a brain and could of asked her to ask boss if he was likely to be working as we could arrange something fun if we have the boys if the weather is nice!!! Also told him I NEED more help at home, if he is on a day off he needs to do more than sit on his a*se watching TV all day!!!! I'm sure he wants me to become bedbound but I don't want that :o I've been there, for 6 months, and I didn't enjoy it one little bit!

    Envirofone have received the 2nd phone and offered more than I thought they would, I was expecting £3-£4 for it but they have offered £10.58 :T Instead of the £15 if it was fully working :) I've run out of phones to send in now though lol DH's is up for renewal in June and at the moment it is worth £40 so hoping it stays around that sort of price :)

    Hope everyone has a bit of sunshine today :) Have a nice day all xxx
    :idea: Jan 09. Debt @ LBM - £11936.55 Debt at worst - £12600.55 Current Debt (01/03/2012) £8,859.51 29.7% Paid off
    Honeymoon Fund £410.40/£6000 House Deposit £1.50
    :A Proud to be dealing with my debts. DFW Nerd 1177 :A
  • bigzippy
    bigzippy Posts: 4,034 Forumite
    bevan840 wrote: »

    Hi BZ :wave: welcome to my little world of insanity :) Will look into having a word with the ombudsman, maybe he can clarify a few things for us as we still haven't received any statements :o I like the idea of a 3 in 1 painkiller combo, where do I get one of them :)
    It was cocods 30/500s, ibuprofen 400, and tramadols. I was a tad spacey! Worked though :)
    "I am indelibly stained by hope and longing" - Nuts in May
  • bevan840
    bevan840 Posts: 1,014 Forumite
    Part of the Furniture Combo Breaker
    *wonders back in sheepishly*

    Hello :)

    Life is still rather topsy turvy at the moment, still in pain :o and my bank holiday ended up being spoiled, woke at 5am Saturday from a nightmare and couldn't go back to sleep, so spent the day on the sofa as was tired, then Sunday had very nasty migraine where I couldn't get out of bed :( and then Monday was left drained as a result of Sunday. Better than my last bank holiday I suppose :)

    DH finally got home Sat night :) Unfortunately he was working on Monday so only had the boys Sat night and Sun day, he's away again this Sat for an 8 day tour so won't be back till next Sat :( His interview went well, the interviewer remembered him from when he worked there before, he has to go back for an aptitude test and medical and if he passes them he's got a job :D They asked him to go in tomorrow for it but couldn't get the day off, then asked for next friday, and he's on tour lol so he'll be going on the 21st, which means work could try and send him on tour the Sat after so the next one may not be his last tour :o But, he got his 7th day pay this week :) Helped a little :)

    We've given up going around to the LL now and just waiting for him to come to us, if he doesn't then we're sticking to the 6 weeks free and then start paying in full from June. I've kept the rent on the spreadsheet though just in case he does come around and so that we don't start using that money! Still looking for another place, found another house which is in same village/town as we are now, just waiting for them to ring me about the pets before we arrange a viewing. Tenants still haven't moved out of the other one yet so still waiting for a viewing on that one as well, Mum and Dad still on standby :)

    Was seriously tempted with an email I received yesterday from TCB, offering £95 cashback for new sign ups to Sky+ HD, checked on seperate spreadsheet and we could do it, the cheapest package inc the HD package would only be £28 a month. I've decided not to though, as both DH and Dad said, there's no point in getting Sky if we're thinking of moving, just a shame the £95 ends at midnight tonight :o

    Want to vote but don't really know where the polling station is, I know it's not far from the house so might try and go in on my way home from work. DH is bringing his Step Daughter (XW's daughter) around tonight as I still haven't seen her baby :) And she was born end of Dec, DH has seen her but I wasn't well when he went so I stayed at home, also wanted to give him some time with her as things were rather difficult between them for a while.

    Went in for the workshop last night at college and found everyone doing a Skill's Test :eek: I've been told it's ok as I can do the test when I feel I'm ready for it, both Teachers were very nice and have said it's ok for me to come in for the workshops as I can't handle the class yet, once I get caught back up maybe then :)

    Financially things are still ticking over ok, according to spreadsheet the only thing that's going to put us in the overdraft is if LL changes his mind about the 6 weeks free and demands the money. I won't pay them what they used to get, I'll pay them the weekly rate I worked out to be correct.

    Still haven't got onto the ombudsman, but also haven't received anything from Roxburghe so all's quiet on that front for now.

    Cheque has been posted from Envirofone :) So that's another £10 extra this month :)

    Kitty's are behaving for the moment, I've been giving them a few biscuits before I go to bed which was working but he's been clawwing at the door again this morning!! Luckily it started just before my alarm so didn't wake me up too early this time at least.

    If DH get's this job, in his words, he'll be spending a lot more time at home, depending on what shift he's working, and he's said that he will do the housework when he's home :eek: I think my face was similar to that one too!! We'll see if it happens though lol
    He cleaned the bathroom yesterday, inc the bath and sink!!!!! AND hoovered the stairs AND the sofa!!!! :eek::eek::eek: AND dusted around the TV!! :eek: I almost had heart failure!!! :rotfl: Just hoping it continues so that I can try and focus on 'resting' to get myself back to my normal :)

    Got an appointment for 21st to see GP, I'm to use the tablets until then and then will talk about what other options I have.

    :rotfl: quick update turned into a little bit of a ramble :o ah well, never mind hehe

    Hope you all have nice days despite the weather xxx
    :idea: Jan 09. Debt @ LBM - £11936.55 Debt at worst - £12600.55 Current Debt (01/03/2012) £8,859.51 29.7% Paid off
    Honeymoon Fund £410.40/£6000 House Deposit £1.50
    :A Proud to be dealing with my debts. DFW Nerd 1177 :A
  • bevan840
    bevan840 Posts: 1,014 Forumite
    Part of the Furniture Combo Breaker
    What a day today is turning out to be, had to go see Dr this morning as my body is doing weird and funky things again :o doing tests and have to take anti biotics for the time being as unsure if it's an infection and the results won't come back till Tuesday so better safe than sorry :) Better get the pre biotics in :)

    House front is looking promising, going to view a house tomorrow at 1:30pm :) Informed Mum, who will tell Dad tonight when she finishes work. It sounds like the sort of place I am looking for, 3 bed, so I can have my little office :) bathroom and downstairs cloakroom, so I can have a bath in peace when the boys are round :) Garden :) And pets are ok, have already double checked that but will triple check tomorrow :) Don't know much about it apart from what it looks like from the outside as no photo's on either Rightmove or their own website.

    DH has got the 21st off now :) Secretary tried to convince him to go to Weymouth for a 5 day tour but he stood firm and said No, as I have 'an appointment about my back and he has to be there as it's getting extremely painful' :)(When in fact it is for his test and medical for new job :D) I'm actually seeing the GP that day as well about the tablets so will be a busy day :)

    Wanted to vote but didn't get down there in time, was hoping DH would be home from dropping SD home in time but he got back at 21:57 and they closed at 10pm, by the looks of the results my vote wouldn't of made much difference (no I'm not a Tory)

    SD's little girl is Gorgeous!!! So cute! :) DH came back with 'the look' i.e. thinking about us having kids etc, we will do it but right now would be the wrong decision as I can't look after myself completely, putting a child into the equation would be unfair on the child. Once I get my strength and energy back and get rid of some of these debts then we'll focus on it again :)

    Hope you've all got nice weather, sun is shining up here so it's nice and bright :) xxx
    :idea: Jan 09. Debt @ LBM - £11936.55 Debt at worst - £12600.55 Current Debt (01/03/2012) £8,859.51 29.7% Paid off
    Honeymoon Fund £410.40/£6000 House Deposit £1.50
    :A Proud to be dealing with my debts. DFW Nerd 1177 :A
  • bevan840
    bevan840 Posts: 1,014 Forumite
    Part of the Furniture Combo Breaker
    Phew, what a day it is turning out to be!!!

    Good bit first :)
    bigzippy wrote: »
    Have you tried complaining or getting advice about it? I'm not sure whether it's something that you can get help with, as neither of you know what bills were sent out, I'm guessing, if they went to a different address? A chat with the ombudsman might be able to help you out...um OTELLO it is I think. I'm pretty sure they deal with 3. And if not them then Cesas (can't remember which letters it is lol).

    Have finally got my a*se into gear about this :) Rang OTELO :) And found a very helpful lady on the end of the phone, she's given me a name and address to write a letter to 3 about the so called debt, I also have a customer service number for 3, which I will try not to use as never understand the foreign people on the end of the line :o and also have a case reference number for OTELO in case the problem doesn't get sorted :D

    Right, good bit out of the way, now for the bad part of my day!!! The house viewing on Sat at 1:30pm got cancelled and re-arranged for 5:30 last night, I then received a phone call asking if we could put it back to 6pm, then another phone call to change it to 6:30! I was at the property at 6:20 and by 7 no one had turned up!!! :mad: I rang them this morning to be told that there had been an error on the system and he was there at 5:20 as it told him the viewing was at 5:30!!!!! :mad::mad::mad::mad::mad::mad: Not a happy bunny but re-arranged, Again! to go and see it this Saturday, if they start to mess me around again I'll just forget it! The other property I rang around 2 weeks ago I rang about again today as I hadn't heard anything after giving them my number 3 times as the tenants still hadn't moved out, I ring today to be told it had been let already and the viewings were last week!!! I was told I'd been the first to ring about that property, left my number 3 times and they didn't even bother to ring me to arrange a viewing!!!! :mad::mad::mad::mad::mad::mad::mad::mad::mad::mad::mad::mad::mad:

    Been playing Enya all day to try and calm and relax myself as was getting Very wound up!

    Gizmo at vet tonight for check up, make sure he's ok etc Hope he behaves and goes into the carrier without a problem, I can't see that happening to be honest lol

    Just had a phone call about a Homeworking position that I asked for more information about, sounds positive at the moment (apart from the £450 + VAT start up fee :eek:) It would mean becoming self employed which I am unsure of, so if anyone can give any advice on being self employed it would be great!!! What things I need to do etc

    Hope everyone is ok xxx
    :idea: Jan 09. Debt @ LBM - £11936.55 Debt at worst - £12600.55 Current Debt (01/03/2012) £8,859.51 29.7% Paid off
    Honeymoon Fund £410.40/£6000 House Deposit £1.50
    :A Proud to be dealing with my debts. DFW Nerd 1177 :A
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