My diary for the future...

ClootiesMum

Good luck & cheers to the future too (raises glass of cider & clinks glasses)

I've not even tackled the bedside tables yet - keep the lights off in the bedroom - they look great that way :rolleyes:

CM

susie81

susie81 wrote: »

Started today's list for me and my OH - I email him during the day so he can add to it to. I'll edit it as I go along.


Me:

• Tidy bedside table :T
• Catch up on some work time - about an hour :T
• Update diary :T
• Comping :T

OH:

• Make tea :T (And very nice it was too!)
• Watch football - City are playing tonight so that comes first!! :T (Still playing but that counts as done)
• Complete some surveys

I did everything on my list so I'm now going to do some more comping I think to relax for a bit. I also hoovered downstairs so OH could then mop up so that was actually an extra job!!

I feel great getting my little jobs done and then thinking I can relax now rather than always having everything I need doing on my mind and never relaxing becuase it's never done. My big list is a little list each day and eventually my big list will be a little list all of it's own because everything will be done!

Feel really good! Just hope City win - Oh and we win the lottery tonight of course:rotfl:

susie81

We didn't win - oh well!

Been comping all evening - thanks to all those that post. There are so many that end on 7th August and I'm trying to be selective in which ones I pick. I'm tired now so am stopping for the evening but that's one of my jobs for tomorrow now - finish 7 August end date comping.

Good night everyone

nick1983

Good night Susie,

Just want to wish you well, and I'll be following your diary to inspire myself!

susie81

Morning everyone!

Not feeling very bright and breezy this morning. I've asked to tkae a half day off work this afternoon - maybe an afternoon at the football with my OH will cheer me up a bit. City are having an open training session.

Just feel very tired but then I did vividly dream about my dog having the end of it's nose bitten off and needing to take him to the emergency vet - I wonder what it means...

Anyway, at work and shouldn't be on here but feel like such a fool. Bought some flight tickets a while back for my OH and registered for a discount site at the end of the process to get a £15 voucher of his next flights. Didn't see anywhere about charges and admittedly I didn't look at the t&c very closely.

Found an unknown £10 charge on my bank statement lately and some investigation has revelaed that it was a memebership fee for this site which they want to charge me every month. It is now cancelled and I requested a refund. Thought it would be pro-rata but the page came up that they would refund me the whole £10 so we'll see what comes through.

I'm such an idiot!! It's now sorted though and not the end of the world but OH won't be able to get his £15 off his next flights. More importantly he's not angry at me so everything is ok.

Will update later

Susie

edinburgher

I wonder what it means...

I wouldn't worry too much. My GF had a dream about broken egg shells and the interpretations she found for it included:

1. That she was going to come into money
2. That she was going to make a staggering life change
3. That she was feeling oppressed
4. That she was worried that she was going to be hurt emotionally

None of these seem particularly likely at the monent

I'm such an idiot!! It's now sorted though and not the end of the world but OH won't be able to get his £15 off his next flights. More importantly he's not angry at me so everything is ok

The world would be a boring place if nobody every made a mistake! You're far from the only person, so try not to beat yourself up about it. Your OH is clearly over it, so try not to let yourself feel down.

Lemon_Tree

hi, your initial posting sounds much like my life, i too set myself too higher challenges (specially round the house) fail and then give up, my lightbulb flickered for the best part of a year before i finally knuckled down and dealt with my debts. i'm also the main bread winner so our family plans are on a back burner for a little while so that we can save to cover the drop in maternity pay and also so i can sort out other stuff.
have you done you budget? it may be a good idea to post this one day and we can all see if we can give you any helpful hints.

Fire_Fox

susie81 wrote: »

Hi edinburgher

It is income contingent (SLC) - I pay enough off it through my salary!! I include it because at the moment I'm keeping track of the balance because I make overpayments on it. Well my mum does. She gives me money every so often to go towards my student loan. I can't put it against the other debts as a morals thing - she knows about them but wants the student loan cleared so I'll eventually have extra funds in my net pay. Going off some debt is better than none at all even if it's not the most cost efficient.

And his student loan debt is SLC but of the repayment variety so it is deferred every year. Obviously interest is being added on but at a lesser rate than the credit cards isn't it.

I like to include them as it is still debt at the end of the day and I won't be happy until it's all gone. And really my student loan went on a new car when I started work after uni so I suppose it is more of a car debt when I think about it.

The student loan will be at 0% from September, you'd be silly to pay it off at a faster rate than necessary. Perhaps you could aks your mum to start a savings account for you to use when you start a family? That way you'd feel like you are working on paying off your debts AND preparing for your ultimate goal.

susie81

It has to go against the SL - I respect my mum and it's what she wants. She doesn't have to give me anything so I want to use it for what she wants me to use it for. Also, she's quite insistent, and clear, that I don't use it for something else!! When it's paid off I expect she'll continue to help with other stuff but it's her way of retaining some control I suppose.

I can't argue anyway. She's given us extra money in the past which was an interest free loan when we struggling each month which she has now decided she doesn't want back. I will pay it back though in some way or another. She's also pays for my councilling when I go because that's quite expensive. They paid for the majority of my wedding (I only had a small do though) and will be paying for my new bathroom - our wedding present. So I am very lucky! Thank you mum!

susie81

Lemon_Tree wrote: »

i'm also the main bread winner so our family plans are on a back burner for a little while so that we can save to cover the drop in maternity pay and also so i can sort out other stuff.

That's exactly it. My councillor actually found it strange when I said I had to make sure I was financially secure before having a baby but it felt like it's not going to happen.

I've been brought up not to be in debt - and have always managed my money ok until the last few years. My SL was always destined to go in the ISA and then be paid back at the end hence making money from it - which is what happened until I decided to buy a car which I needed for work. I still had substantial savings though but wanted themthere just in case. I have slowly dipped into them for different things and now they have gone.

My personal debts are actually not that bad and if it was just me on my own they would be paid off quite quickly. It's supporting both of us that has meant struggling to budget for the bigger one-off expenses that are on my credit card. It doesn't have day-to-day spending on it which is a good thing I suppose.

We are getting on top of it though. Spending has reduced over the years - just a slow changing process - but we'll continue to do so.

Let my train of thought drift above. I was aiming to say - I've been brought up not to be in debt and therefore wanted everything clear except SL's and mortgage before having a child but I've had to change my way of thinking a little bit which has been hard.

It's not about being out of debt - it's about managing the debt. I can't let my life revolve around getting out of debt (I know some of you probably won't agree with me). It brings me down too much and is ruining my life. I need to learn to accept that the debt is there and it will go when it goes. As long as I can manage the payments and my expectations I can still lead a happy life.

I therefore have to work out a plan such that I can pay extra off towards the debt but save for a baby too. We need enough money saved so we can afford to live and pay our debts whilst I am on maternity leave and there is not enough income coming in. If I pay off the debt first and then save (as I know I probably should) it will take so long before we can start a family. I can't wait that long. There's a lot of things I can do without that are materialistic but I've wanted to be a mum since I was at high school and can't wait much longer. My maternal instinct and longing is just getting too strong.

I'm going to be sensible enough though that we have enough money aside to be able to give a child a decent life rather than rushing in because it is what I want and then it suffers. It's just that the debt isn't going to stop us. Paying the least amount of interest possible isn't everything - there are more important things in life which I realise more and more every day.

I really have rambled now and should finish here I think!!! Sorry If I've said anything which others don't agree with or have offended anyone in any way. Just my feelings that mean I've come a long way in how I think about things and learning to accept life a lot more and not let it get me down.