Jo's kick up the 'aris and motivational ramblings

jo1972

maman wrote: »

Your neighbour's spending may be because she's been very frugal with her disability benefit (maybe she doesn't drink ) or maybe she has generous family

Problem is I know her fairly well and she does tell me the ins and outs of her life, her mum does splash out on her and she shows me all the gifts, ie yesterday she bought her a laptop (!). She told me (I didn't ask by the way) that she got backdated benefits in a lump sum. She moaned that they still wanted her to pay council tax and rent arrears. The first lot of garden stuff she had delivered cost £500, she had another bigger delivery last week. She took her kids and their families out for a meal the other week, 11 of them, cost her £250 and she has clothes deliveries frequently which she pays on tick (but can't afford the rent or council tax arrears :rolleyes:).

She does have a bad back I do appreciate that but sometimes I think she milks the system which p1sses me off cos I can't afford to live half of the time and both me and OH work full time and have to pay out for a childminder :mad:

Off me soap box now, going to clean the kitchen!!

40somethingmum

jo1972 wrote: »

She does have a bad back I do appreciate that but sometimes I think she milks the system which p1sses me off cos I can't afford to live half of the time and both me and OH work full time and have to pay out for a childminder :mad:

Off me soap box now, going to clean the kitchen!!

I also have back problems. BUT I work 45 hrs a week and still can't afford to take my family out for a meal :mad::mad: . Karma will get her in the end ( fingers crossed)

Jo , sorry to hear you are poorly. Hope you feel better soon.

Love
40SM:D

jo1972

Okay, it's been a while since I posted, been searching for the motivation (think HB must've hoovered it up by mistake )

Anyway, spent a couple of days at home this week and started a cleaning regime which took off, ended up cleaning every day this week :eek: never heard of here :rolleyes: I was even cleaning the oven at 11.45pm last night

Anyway, today I have decided to dedicate today to doing nothing, nothing at all

Got tuna pasta for tea, will be buying choklit for afties and am now going to read the boards and then pick up the courage to peek at my online bank statements to see if I can work out what's going wrong :rotfl:

Motivation is on the up (slowly but surely :cool:), half term week and so will continue the cleaning routine and might even decorate the bedrooms before I have to go back to work the week after.....miracles do happen you know :rolleyes:

xx

elbereth

Hi! Thanks for dropping in on my diary! Its great to know people on MSE are so supportive! I hope you have got your feet up and feeling smug about your sparkley clean oven!

:jelbereth:j

jo1972

Hi elbereth,

Thanks for popping in. Unfortunately, oven (well hob at least) isn't quite as sparkly as last night....OH has been cooking :eek: and as today is a dedicated 'do nothing' day, it will stay like that till tomorrow

Just spent the best part of an hour setting the Wii up for the kids. All the wires from the various consoles were tangled up, plus the telly is too heavy to move and there is an impossible amount of space behind it to see what you're doing, nearly did my back in plugging the Wii in. Then turned it on and found that the batteries had run out in all 4 of the controls :rolleyes: after looking in every drawer and cupboard I managed to find 2 batteries that worked in the Buzz xbox game controls so they are now arguing over who gets a go :rolleyes: never happy my kids....

I've done nothing today, it's been bliss!! Usually I have so much to do and sit around and not do it then beat myself up with guilt. Today, I've earnt the rest

honeybear_2

jo1972 wrote: »

I've done nothing today, it's been bliss!! Usually I have so much to do and sit around and not do it then beat myself up with guilt. Today, I've earnt the rest

:T

I'm very proud of you

Different_Corner

Jo
That is my ideal day, I love doing nothing, and feel oh so guilty ! But sometimes it's good for the soul.

jo1972

Different_Corner wrote: »

Jo
That is my ideal day, I love doing nothing, and feel oh so guilty ! But sometimes it's good for the soul.

It was very good for the soul, managed to get away with doing nothing on the chore-front. I sat and helped DS build his Lego police city in the afternoon, took around 2 hours but I lurve lego and the instruction books :cool: then sat and read my Marian Keyes book all evening, been reading it for over a month and still not finished, so many interuptions :mad:

Made an utterly full-fat quick dinner last night which is unlike me, no cooking from scratch on a 'do-nothing' day. Southern fried chicken and salt and pepper chicken wings from Iceland, deep fried chips and onion rings, did get my 5-a-day with a big mound of coleslaw though this was all off the back of a conversation with OH about the Tonight programme on Friday about high chorlesterol and the serious side effects that are becoming more prevalent as more and more people are being prescribed statins...people with muscle degeneration and stuff. OH takes statins so I came over all bossy and told him that we must up his excerise per day and change his diet. More fruit and veg, less of the bad stuff and more lentils and beans as these are the foods that grab chorlesterol and take it out of the body. Then I serve him up that meal :rolleyes: he thinks I'm trying to kill him :undecided

But anyway, on to today, no rest for the wicked here, no excuses for sitting at the laptop on MSE :whistle: :rolleyes:, no excuses for sitting on the sofa or getting the Marian Keyes book out

Peeked at my online statement yesterday, wishing I hadn't but imperative that I did. I've been charged 4 times this month because my memory is not what it used to be first one for car insurance cos I changed the date and forgot, second one for TV licence cos I set up a new direct debit and forgot and 3rd and 4th for a magazine subscription that I also forgot about. The last 2 would've only cost a total of £10.98 (one of them for 99p!!) but I've now been charged £70 cos they didn't go Just rung bank and they've refused to reverse the charges. Instant thought was, I will go there the minute any money is deposited and withdraw it all so they can't take it away, then change my account with my employer :mad: :mad: :mad: then thought about it and realised that I owe them £200 of overdraft and they'll only chase me for the money for years to come and I've moved on from being frightened to answer the phone or the front door, don't wanna go back there again :eek:

So, gotta swallow the charges and be £140 down this month purely because I wasn't on the ball, thankfully I've given up drinking so don't have that money to find every day and I promise from this day forward to be more on the ball and for it not to happen again.

On the plus side, had a rent statement yesterday (I live in council housing), used to have sky high arrears and have been paying extra over every month for what seems like forever. Looked at the statement and last month I was only in arrears for the last week (I pay calender monthly), I will still be paying extra over for the foreseeable cos I need to catch up enough to be in credit for the whole month plus a full month worth in credit but at least I've only got a few months to go before no more arrears and no more of the red coloured numbers on the statement :j:j

Plus only 5 more month's worth of payments of £75 to the council tax office for arrears for poll tax, community charge and council tax that I didn't pay. Never paid a full year without getting myself into trouble. Last year was the first year I actually paid all the payments on time and I'm still paying £75 arrears on top of my normal council tax and have been for years. Can't remember my highest arrears, though I know it was over £4k :eek:. Come 1st April 2010 it will come right down to just next years CT and no extra overs

Right, better get a shufty on

jo1972

Had Link Financial catch up with me last night about an old Abbey National account I used to have years ago (I think ) he said that they had written in 2007 and I hadn't responded, so I said you've been sat waiting for my response for 2 years before you realised you hadn't had one he said yes exactly and he wondered what was going on with my situation at the moment and presumed the letter had been sent to the correct address, then told me my address which I ignored and said I'm happy to correspond in writing but will not discuss over the phone. He said okay, thanks very much and that was that? He's not been trained very well as a debt collector :rotfl:

Awaiting letter now to see if I actually owe summat I've forgotten about, least it's only £300 odd quid and not thousands :eek:

jo1972

They were quick off the mark, had the letter from Link Financial yesterday. I'm now trying to remember what happened with it, I don't think it can be statute barred as he mentioned I letter I sent them a couple of years ago....do I chance it and send a statute barred letter anyway? This account would've been around 10 years old I reckon. If they prove it's not, I could then send a letter asking for the signed credit agreement before asking for a !!!!!! figure or arrange instalments. Really need to get rid of this as I thought I was pretty much debt free and this has come out of the blue, hope there's no more lurking about? Maybe my 'not drinking' money can go towards paying it off.