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just a flying hi, but sounds like your going great guns, hopefully your mum will get sorted with the dates.
Know what you mean about hol spends, the before and the mse style, were away at mo, and I know you pay a premium for a drink as your on a holiday site, but when we went up the other night it was £4. So one pint and that was it...
We were given a free childs ticket to a local zoo, would have normally chucked, but used, and as i paid adult rate rather than disabled meant we could get a return visit for £1.00 each, so DD went with dad today.. over both visits we saved £15, yet I wouldn't really bothered before.
We're making the most of the free swimming pool, and the play park, and DD is having much better time as she says its quality time, I was a bit took aback, but must be m mse skills rubbing off. xxxx rip dad... we had our ups and downs but we’re always be family xx0 -
Things seem to be going well, PaF: you've paid off over £10,000 of debt - well done! :j
You seem much happier in yourself now that you don't have people contantly questioning your life decisions (for the minute, at least). The peace of mind must be enormous.
Take care and keep on enjoying the summer.Please call me 'Pickle'
No More Buying Books: ???
No More Buying DVDs: ???
NMB Toiletries ??? and I've gone back for my Masters at the University of Use Ups!
Proud to be dealing with her debts 1198~
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Yes, thank you. Great you had a good visit to the zoo mumto one, and lovely to see you pickle!
Other developments. Based on the assumption that mum is going to have my dd on a thursday, I have worked out it actually works out better for me if she doesn't have her at all from a financial perspective. I do qualify for financial help with childcare through child tax credits, however any changes have to exceed £10 a week to qualify. If I can book dd into her after school club on a tuesday it ups my childcare bill by £46.40 four weekly and to £450 over the year as its over the 39 weeks in term time which equates to less than the £10 a week. If I place her in the after school club on a thursday too then bizarrely I am only £25 worse off, a saving of around £20 a month as I would receive some financial help towards the cost. So, now my predicament is do I tell mum thank you for your offer but no thank you or do I essentially pay the £46 a month for dd to see her granny once a week. Of course it all depends if the school club has free places. The lady who runs it had asked us all to confirm our requirements for the new term before the summer hols and of course my mum has only just informed me of what she wants to do so it may not be poss for dd to be in the school club one extra day let alone two. Ive texted the lady concerned but of course she could be on hols so its all a bit in the air what to do, and I need to know where I am with money and childcare so suffice to say its been worrying me these last few days and the questioning of myself has been rife in the middle of the night. Im worried it wil lead to yet more criticism of my life choices and I just can't go there. I really can't..
Busy day to day re work. Over the last eight weeks I have miraculously managed to be second top retailer in the group of which Im part and this last four weeks, the top retailer! Plus with my new team member I realise just how much I love helping others to achieve their goals, and so whilst I love to see my customers, I know the team building is the way forward for me particularly if my walking deteriorates further or I fall more, but for now Im very happy with the direction things are going with my finances and work, and dd's enjoyment of her summer hols. Just need to address the childcare issues with mum,,, It suddenly dawned on me has she reduced her days from 2 to 1 in the hope it would force me to give up my work, but Im thinking maliciously by saying that but nevertheless I am wondering. That said, she might just find it too much and I have to consider that too. It's strange the change of plan came about after she saw my sis for a week. Both of them want me to stop working, maybe it would be for the best I keep everything separate from the family including childcare, that way there can be no come back on me. So, im leaning towards telling my mum thank you for having dd in the past but its now reached the stage where its better for me financially to book dd into the school club rather than reduce her days with yourself to one a week. And I have to think of my outgoings. But then she could come back and say well if you discussed your finances with your father you wouldn't have to think like that or if you met someone else you wouldn't have to think like that or if you gave up work dd wouldn't need to be put into childcare at all , or doesn't this confirm what a dreadful life dd has. God, I don't know. I am neurotic!!! But sadly, I could also visualise these things being said to me..Im going to have to face this situation ..My debts at LBM (2009)Grand Total £161,983.77.(Incs everything, mtge, cr cards, loans)
May 2013 £124,080.27= £37,903.50 paid off WOW!!!!! Well done! There is a guardian angel out there! :AI'm visualising success, debt freeness, and happy days!:T0 -
Hi if tis financially a better option and DD is ok to go tot the after school club then you have to do what is best for you and DD and not what fits best with what you mum will think/say.
Although it may be an option, that when you tell your mum your decision, that you say something like but if you would like to have DD another time just so you spend some quality time rather than having to do me a favour then of course that is fine. That way DD still keeps her bond with your family.0 -
I agree with KM.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.0 -
Well put KM.
Hi there PAF :wave:
Well done on your excellent results with work and the stupendous debt repaying. I'm glad the summer is going well and that your dd is enjoying the holidays. I'm off to France next week and hoping for warmth and lazy times. I'll try and check in to see how you're doing but won't be able to post.CCs @0% £24k Dec 05 £19,621.41 Au £13400 S 12600 Oct £11,981 £9481 £7500 Nov £7250 D £7100 Jan 6950 F £5800 Mar£5400 May £4830 June £4660 July £4460 Aug £3200, S £900, £0 18/9/07 DFW Nerd 0420 -
yes well put KM0
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Hi PaF!
I'm with KM et al.
The added bonus is that if what you say about your mum is true, that you don't have to fall into her cunning plan!
I'm sure that your mum, who is so evidently concerned for your financial health, could find little to quibble with there.
I'm sure you can find a way for her to spend quality time with your mum some other time/way. xPlease call me 'Pickle'
No More Buying Books: ???
No More Buying DVDs: ???
NMB Toiletries ??? and I've gone back for my Masters at the University of Use Ups!
Proud to be dealing with her debts 1198~
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Well, I explained to my mum the situation re childcare and she told me that it was I who had suggested going from 2 afternoons to one! Yes, mum I did but that was because you told meyou could only do tues and fri, not tues and thurs, and fri for me is inconvenient, so I suggested leaving it to just the tues. Since then, she has said she can do tues and thurs, and I did have the courage to say what was it all about. You have always had dd on a tues and thurs and if you still can what has all this been for. Ive been phoning and texting people who are on hols panicking about getting cover at the start of the term and all along you can keep to the original set up. Mum never explained or responded.. That said, I took dd to mum and dads today. Shes there while Ive been working and Im due to pick her up in a couple of hours. Ive been home having a rest and a doze before I carry on.. It was fine this am. Hello, goodbye, see you later. Polite, short and sweet, and thats how it will be later too.
Re the home insurance and mortgage, what a shambles. Ive started a complaint with Halifax. I was expecting to hear from them with regard to my revised morgage monthly repayment figure and what I had to pay this month. I hadn't heard so I called them yesterday. Was told it doesn't work that way. My repayments stay the same and whilst my mortgage has been credited with £260 its not offset against my payment this month. I asked to speak to the collections dept because there was no way I would have the amount required by the due date next week because I hadn't budgeted for it. I was thinking £350 or so would be all I had to pay this month. Was told I could not speak to Collections until the 1st September as at the moment Im not in arrears. But I said when Ive had to pay my mortgage a week or two late in the past the Collections dept have told me to call them before the end of the month. No, I must call on the 1st Sept. So, with that I finished the call and called the Collections dept direct only to be told that I was right and that they could get a patment plan in place and they were v sorry I was told to not call until the 1st Sept.
So, my complaint concerns that, the fact that my original appt at the branch re the home insurance where I was advised my repayments would drop and all those details were completely incorrect. I had been misinformed. So, there was simply no point in spending an hour at the branch obtaining quotes etc with my dd in tow. Then when confirming it all over the tel being told my repayments would reduce and the credit to the mortgage would be offset , again complete rubbish, so another wasted call, then the hour and a half I foundmyself on the tel yesterday, mostly in tears at the realisation that instead of being £260 better off, I was not, and instead having to deal with Collections albeit temporarily. Absolutely fed up. Now of course this is on thebasis that the woman telling me "it doesn't work like that " is right in what she says because the lady I spoke to at Collections also couldn't explain why the £260 could not be offset against this months payment. Absolutely gutted and Ive allowed it to take over my mind today. I ve been thinking mum and dad would love this if they knew, well doesn't that prove you are not coping they would say. You should not have a mortgage, you should sell and be housed by the council. Its all been going through my head whether its logical or not. Yes, am v gutted. But I remind myself maybe life is just destined to be one battle because thats where I am now, waiting for Halifax complaints dept to get back to me. The woman taking details seemed to think I will receive financial compensation for my time and so forth. Maybe they could recompense me by £260. I will certainly be pushing for it, and if I don't hear from the Complaints dept by next weds then I will be complaining about that too....
Anyway, onward and upward. Have been working since this am, and have had a rest for the last hour or so. Off out I go again and keep as positive and focused as I poss can..My debts at LBM (2009)Grand Total £161,983.77.(Incs everything, mtge, cr cards, loans)
May 2013 £124,080.27= £37,903.50 paid off WOW!!!!! Well done! There is a guardian angel out there! :AI'm visualising success, debt freeness, and happy days!:T0 -
Keep plodding xI 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.0
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