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  • Hi PAF that's great news that you are now down to reasonable interest rates rather than them awful rates where the balance doesn't budge despite always paying on time! That's a real step forward for you in terms of feeling in control of the debt I am sure.

    I'm glad you are treating yourself to a manicure, well deserved, you work hard. I wonder how much they would charge you to just paint DD's fingers nails and/or toe nails as a treat you could have together?

    Hope DD counselling goes well.
  • taxi73
    taxi73 Posts: 20,815 Forumite
    Everything sounding good especially with the debt and great about having your nails done
  • So, things here ticking over. Dd is having her third counselling/art thereapy session after school today. First session I was present. Felt v emotional because the two things dd wants in the whole world I can't do anything about. It's clear she worries about me, in fact the school called me last week one day as she was worrying about me in the playground in break time. She worries about me falling and she is upset I can't use one arm and that I need a stick sometimes and the stairlift. She wants to make me better! And then she wants her daddy back. She longs to have a cuddle with him and to play with him in the garden. Well, theres not much you can say to all of that is there. We are both in the right hands though with the lady seeing us. A very nice lady indeed.
    Moving on, focus as ever on my business. My customer newsletter finally out there, sales pretty good, still keeping ahead of myself financially. The wedding outfit for my brothers wedding which is looming up next week is starting to come together. Have a couple of prospects interested in joing my team and my online shop is all up and running. Have my next party this coming friday. Dd coming with me to that one.
    Dd made me a lovely mobile phone case for Mothers Day. She sewed it together herself and everything. I popped a voucher and card round to my mum on Friday eve and recd a text from her yesterday thanking me. I decided to do what I would normally do at Mothers Day time in terms of the gift and card, as I don't want to get malicious. Mum is still my mum. On the other hand I didn't feel up to inviting her and dad round for tea to my dear home!!Instead dd and I went out with a friend and treated ourselves to tea and cake! In truth, I find it still amazing that my dad, mum and sis all felt justified saying what they said. I always thought I could be "big" enough to let it pass and move on but in truth it's still effecting me and suiting me the fact that they barely have any contact with me and what contact there is exists via my dd. It's peculiar that I had 7 falls last year and not 1 family member gave or offered any kind of help at all. I find that very embarrassing. That said the way things are between us they didn't know about 4 of them unless dd told them. They would presumably argue the falls were my fault anyway because I am working and not giving my business up or selling my home. And my dad when he drops dd back home, well as soon as I open the door to dd he simply drives off, no hello, goodbye, no opportunity for me to say thanks dad for bringing dd home. It's like I've committed a grave crime in their eyes. And Ive been up front with them about the art thereapy sessions dd is having and even though they know she is having them they have not enquired whatsoever as to how she is or anything which tells me they simply don't want to know and would rather it all went away and that presumably they really do think I am making an industry out of my dh murder and then I think if only they realised the toll it has had on me and dd and no doubt will have as the murders release date etc comes near and so forth..Am wondering how things will go at my brothers wedding. I will be polite, and say hi, how are you but beyond that I will stick with the other family members who will be there and who I'm close to.
    But the good news of course is that we are mid March and I've not had a fall yet this year, there have been some close calls but no complete falls. Business is very positive, finances have turned a corner and are set to improve with a further PPI payout and dd and I are v close. And for all that I am eternally grateful to on high...
    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!:T
  • Verbatim
    Verbatim Posts: 4,831 Forumite
    Part of the Furniture 1,000 Posts
    How lovely to hear such a positive post. I'm sorry that your parents can't accept who you are and what you want. It's your life and you're quite right to fight for what you want. And you're so good at it! But wouldn't it be nice if they could just say, "We're so proud of you. Well done. Keep on going!"
    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 042
  • InaPickle
    InaPickle Posts: 5,968 Forumite
    1,000 Posts Combo Breaker
    Well done, PaF! :j It's a pity that things can't be how you would like between you and your parents, but you know what is the most important to you, and you are sticking to that, which is the most important thing. Hopefully everything will work out in the end.

    And ANOTHER PPI payment?! Wow! :j :j :j I'm so excited for you! :D
    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!
    P
    roud to be dealing with her debts 1198~

  • chevalier
    chevalier Posts: 7,937 Forumite
    Part of the Furniture Combo Breaker
    I really don't 'get' your parents at all. I would be proud of a daughter who was carrying on working despite have some disability. And having just been reading about the awful trials that people go through to get ESA being perpetrated by the ATOS firm and the DWP, I would think it was a GOOD thing to stay well clear if you can.

    Anyway WE are proud of you.
    chev
    I want a job that is less than an hour driving away from my house! Are you listening universe?
  • Thank you! Yes, pickle, one more PPI payout is on the cards. If it isn't I will fight it because it relates to my mortgage and they have refunded me a third of the PPI on that but said I had to file a complaint about the rest of it if I wanted to pursue it all and so I have and 8 weeks is up on Monday. I'm calling them Monday to probably be told it will now be 12 weeks but I want to keep on the case. I was told 8 weeks when I filed it so will wait and see what they say. Nothngs definate but I am confident they will because it was all "sold" as a package.
    Anyway, moving on things here are ok. Financially, we are fine. just making sure I keep on top of things and keeping outgoings down. I want to make sure we will be ok while away in Newcastle, then on our return from there the debt busting will incorporate more snowballing!
    Kleeneze is going well. A customer has signed up into my team which is fantastic. I'm getting a fab response to my newsletter. lovely notes in with the catalogues from some customers saying congratulations and so forth. Very moving that people would bother, so kind!
    We don't have any counselling/art therapy this week, prob just as well. I think both of us have found it heavy going in that it becomes more of a part of our lives and thoughts. It's certainly helping me to understand behavioural patterns and why we are where we are at the mo, simply we haven't dealt with it so deeply as we are and so the hope would be that to a degree we can move on more easily than if we didn't face it.
    Re my parents I just don't understand them. My dd had a bicycle class at school and it happened on the day mum collected her. I had wrongly assumed that dad would bring the bike back in the car with dd but dad told me I would need to collect it. All well and good but it was a struggle for me getting it into the car. Ineeded dd to help me and as it was the caretaker took the bike out of the car for us at the school. My friend couldn't believe that 2 able bodied people - my parents - expected their disabled dd to carry a bike in and out of a car instead of being more helpful. Of course dd and I did go and collect it but I parked in the next road from my parents rather than outside their house so they wouldn't be able to watch me and dd struggle to get it in the car. I couldn't face that. But as I said to my friend perhaps they couldn't help me, for all I know they are unable to lift things for health reasons.. It's done now, it's not the end of the world.
    Thats me. Off to finish my paperwork, and dd and I get out in the garden to do some weeding and if I feel up to it some lawn mowing..
    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!:T
  • beanielou
    beanielou Posts: 95,544 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I dont 'get' your parents at all.
    You are doing a grand job without them though :grin:
    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.
  • mum2one
    mum2one Posts: 16,279 Forumite
    Xmas Saver!
    I mean this in the nicest of ways, but i'm not shocked at your parents behaviour, so glad everything is going positive with kleeneze and a new agent, ur going great guns.
    You've done this all off your won back, and no one can take that away from you. Was it this wend the wedding?xx
    xx rip dad... we had our ups and downs but we’re always be family xx
  • taxi73
    taxi73 Posts: 20,815 Forumite
    your parents are unbelievable and they make me lost for words with their attitude
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