am i addicted????

in*the*red_6

Second chance

Do you work in a children's hospice? I think you should be very proud of yourself, it must be a tough job.

I feel that we've battered you down too much about the finances, things WILL be ok because you'll make them ok for your family whatever needs to be done. The main thing is you're aware of where you've been going wrong in the past and you're taking responsibility now.

Lots of luck

Little_Miss_Winner

Yes, I also take my hat off to you for working with poorly children. I couldn't do it, and applaud those who can!:T :T :T :T :T

Re; your finances.
Was just wondering what imput your husband has on the finances, I know he has been a star re your first cc hiccups. Has he any thoughts on finances for the future, your new mortgage and outgoings etc?

Regarding maternity leave, You will need to prepare well in advance before you begin a new pregnancy, there is no way you will manage on £106 a week for 20 weeks, that 5 months. Once you get a little straighter you will need to start a new baby fund.
I am glad you have realised this.;)

Don't worry you will get there.
hugs
pot
x

In_Search_Of_Me

Just wanted to send a hug & say wel done - looks like you've had a busy (if stressful) day...not sure what your job is but if nursing or aux could you gets some bank work...they pay a bomb! Just a thought...how is DH supporting you?

Daddyto3

Hello,

I have just thread though this thread, and i know i am going to get slated probably now, but this is only my opinion, I know the other posters have theirs too. And i don't want to upset you or anyone else.

I think that taking out another £117k on a mortgage over 25 years is ludicricy!
The interest on top of this would be approx £90k, obviously depends on int rates but thats the lowest approx figure. So thats approx £207k extra!

Ok you are on fair wages, but you haven't completed your family either yet. We have 3 small children, and wife works nights too, but with each child the demand on home life/worklife/childcare becomes a touch more intense.

Our wages a similar to yours - you earn a couple of hundred more, and our mortgage makes me feel ill and its £386 a month._pale_

I really do hope that you can do it, and will do it though. I have read your posts and you have been brutally honest about the way you have spent in the past, this i admire you for:T (not the spending, but the honesty!), but i am just wondering what makes you think you can control it now, and forever?

Good luck for the future!

Phil

second_chance

yes im a nurse in a childrens hospice its a great job and not at all how you would imagine!!! my dh and i have had a big heart to heart re move and both understand how much we are going to have to change-thankyou daddyto3 i appreciate your honesty and had i posted just months ago i would have seriously reconsidered my head is spinning with all this worry but i have got to change and if it takes a mortgage to make me do this then it will be worth it-i would rather struggle with a mortgage than be crying to sleep because i cant pay my huge dorothy perkins bill (what a waste all that debt with nothing to show at least now i will have bricks and mortar) or is that a cop out??????? moving date now seems to have moved again to the end of june so thats another pay day

second_chance

morning all - i have been awake for some time and here are my thoughts....

wages-mine: will try and get some extra night work already do this but will now ask about it instead of waiting to be asked!!!!
hubby: will try and do extra hours as able
avon : will make more effort and stop spending earnings stupidly and on avon products!!!!

soa : will finish this and then work out where i can save

ebay :will actually put on the clothes i sorted yesterday and find more

bills : will chase up o2 re lowering my tariff
will sort out my food/cleaning products cupboards as prob have loads of things to use up and from now on will try and go to the pound shop for my household products
will also try and cut down on diesel costs-this could be hard already do 14hour shifts to cut down on travelling
will try cut down on electric by not using tumble and switching things off at socket (will this make a differnce???? and will i save electric by only using washing machine etc at night????? or is it just if you are on economy 7??)

vouchers:will now keep ALL vouchers i get through post and use them
will find out how many boots points i have and keep them for xmas
will find my clubcard vouchers and do as above
leisure: will spend more time taking my daughter for walks and too the park as free and will not spend stupidly on drinks etc on way home as usual
will aim for lots of no spend days!!!!!!!!!!!!!!!!!!!!!!!

debts: will aim to pay off avon
next
catalouge
and reduce credit card to £1500 next payday (26th)-this will be difficult and prob wont happen but will do my best!!!!!!!!!!!
phew....................

also will try and stop feeling like a wally about originally posting on the mfw thread and getting excited about paying off my motgage-duh get real!!!!

chivers1977

Hi secondchance

What noone has said get is that it is not too late to pull out of your purchase. Obviously you will have to pay sols and you won't get your app and val fees back but that is small fry compared to what it appears that you are getting into. How big is your house now? I have an 11 month old in a 2 bed flat and we don't need any more room although I would love a nice house.

I have almost come to the decision myself that we cannot afford another baby. While I get 12 wks full pay whilst on mat leave, you will have to consider 2 lots of childcare, even if it is only afterschool care and then all of the other costs on top. Are you able to get employers childcare vouchers where you don't pay tax on the first £55 per wk? or your OH? or both?

In terms of your baby...I guess you are already using tesco/lidl nappie and not pampers/ huggies? If your LO is still on formula and is over 6 months, followon milk is £2 cheaper and Jacob has noticed no difference. Buy the milk from boots as you earn points on it. If over 1 then change onto cows milk as obviously cheaper too. Make your LOs meals, ie no jars as they are a rip off. Try carboots/ charity shops for your LOs clothes. I pay 25p for any piece of clothing for my son and that is GAP/ next etc.

HTH xxx

second_chance

chivers1977 wrote:

Hi secondchance

What noone has said get is that it is not too late to pull out of your purchase. Obviously you will have to pay sols and you won't get your app and val fees back but that is small fry compared to what it appears that you are getting into. How big is your house now? I have an 11 month old in a 2 bed flat and we don't need any more room although I would love a nice house.

I have almost come to the decision myself that we cannot afford another baby. While I get 12 wks full pay whilst on mat leave, you will have to consider 2 lots of childcare, even if it is only afterschool care and then all of the other costs on top. Are you able to get employers childcare vouchers where you don't pay tax on the first £55 per wk? or your OH? or both?

In terms of your baby...I guess you are already using tesco/lidl nappie and not pampers/ huggies? If your LO is still on formula and is over 6 months, followon milk is £2 cheaper and Jacob has noticed no difference. Buy the milk from boots as you earn points on it. If over 1 then change onto cows milk as obviously cheaper too. Make your LOs meals, ie no jars as they are a rip off. Try carboots/ charity shops for your LOs clothes. I pay 25p for any piece of clothing for my son and that is GAP/ next etc.

HTH xxx

I HAVE BEEN DREADING SOMEONE SAYING THAT TO ME THINK I SIGN TOMORROW AND HOWEVER STUPID IT SEEMS I CANT/WONT PULL OUT NO EXCUSES JUST COULDNT FACE IT!!!!! HOWEVER RELEVANT I ACTUALLY WORKED OUT IT WAS AROUND SEPT 04 ALL THIS BLEW UP IN MY FACE AS MY DAUGHTER IS NOW 16 MONTHS OLD-YOU HAVE A GORGEOUS BABY BY THE WAY!!! SHE IS ON COWS MILK NOW AND I HAVET BEEN ABLE TO FIND A CHEAPER NAPPY THAT DOESNT CAUSE RASH/MAJOR LEAKS- I BUY MY NAPPIES WHEN I SEE THEM ON OFFER AND ONLY BUY CHEAPER MAKE WIPES, I HAVE CUT DOWN A LOT ON CLOTHES AND WILL NOW TRY AND DO THIS AGAIN- I TRY AND GIVE HER ONLY HOME COOKED MEALS(NEED TO START DOING THIS FOR MYSELF ALSO!!!!)X

second_chance

FORGOT TO MENTION I CURRENTLY LIVE IN A TW BEDROOMED TERRACE WITH NO GARDEN AND REQUIRING AROUND £6000 OF WORK (LONG STORY BUT NEEDS WHOLE NEW CENTRAL HEATING SYSTEM)VTHE PURCHASER IS WILLING TO COMPLETE ALL WORKS-WE ARE MOVING TO A 3 BEDROOM SEMI 10 MINS CLOSER TO WORK WITH A SCHOOL JUST A 5 MINUTE WALK AWAY (A GOOD SCHOOL TOO) NO WORK REQUIRED ON NEW HOUSE AT ALL ONLY DECOR AS WE CAN AFFORD ``THEY HAVE PUT IN NEW WOODEN FLOORS THROUGHOUT,NEW BOILER/CENTRAL HEATING LAST YEAR,NEW KITCHEN/BATHROOM 2 YEARS AGO AND DECKING OUTSIDE AS THEY WERENT THINKING OF MOVING IT ALSO HAS A GARAGE SO MY HUSBAND (A JOINER) CAN START TO DO HIS OWN JOBS - HAVE I SOLD IT TOO YOU YET ??
OOH AND A PLUM AND APPLE TREE SO I CAN SAVE ON FRUIT!!!!!!!!!!!!!!!!

second_chance

morning all - i have been awake for some time and here are my thoughts....

wages-mine: will try and get some extra night work already do this but will now ask about it instead of waiting to be asked!!!!
hubby: will try and do extra hours as able
avon : will make more effort and stop spending earnings stupidly and on avon products!!!!

soa : will finish this and then work out where i can save

ebay :will actually put on the clothes i sorted yesterday and find more

bills : will chase up o2 re lowering my tariff
will sort out my food/cleaning products cupboards as prob have loads of things to use up and from now on will try and go to the pound shop for my household products
will also try and cut down on diesel costs-this could be hard already do 14hour shifts to cut down on travelling
will try cut down on electric by not using tumble and switching things off at socket (will this make a differnce???? and will i save electric by only using washing machine etc at night????? or is it just if you are on economy 7??)

vouchers:will now keep ALL vouchers i get through post and use them
will find out how many boots points i have and keep them for xmas
will find my clubcard vouchers and do as above
leisure: will spend more time taking my daughter for walks and too the park as free and will not spend stupidly on drinks etc on way home as usual
will aim for lots of no spend days!!!!!!!!!!!!!!!!!!!!!!!

debts: will aim to pay off avon
next
catalouge
and reduce credit card to £1500 next payday (26th)-this will be difficult and prob wont happen but will do my best!!!!!!!!!!!
phew....................

also will try and stop feeling like a wally about originally posting on the mfw thread and getting excited about paying off my motgage-duh get real!!!![/QUOTE]
NOW TO START ON FINISHING MY SOA.....................