OberonSH's DFW Diary Thread - 1 Woman, 1 Toddler & A Whole Lotta Debt!

glenstan

Hi Obi, Thought you must have written that bestseller and deserted us, so glad to have you back . Congratulations on your wonderfull news, good luck and best wishes to you both. We are off to Gretna Green in the morning for dds wedding that has been 3 weeks in the planning everything she wants on a shoestring.

mizmir

Congratulations!
:beer:

£17K is crazy for one day - however fabulous. We got hitched in the summer - can't have cost more than £2K and we had a ball! good luck !

OberonSH

well chickies, it;s been a funny few days. Ebay have suspended my account - apparently they've linked it to an old account my ex had, and reckon as that one was suspended, I shouldn't have one. Hmm. I pay my fees early, am well on my way to Powerseller status and have over 98% positive feedback. The trouble is, I've just sent a load of stuff out, and if I'm not registered, then people can nip over to paypal and claim their money back. It automatically gets given, too. So I've had to email everyone telling them not to worry, I'm still here. I've also given Ebay 24 hours to get it back online or I start charging them £200 a week plus costs for my lost revenue.

Moneysaving wise I'm at that horrible stage where my debt is hovering over the next milestone, by £58, and there's nothing I can do til friday! I want to be able to adjust my debt figure, but can't and its frustrating. All the ebay money os supposed to be going towards stock and debt, and now that's dried up I'm champing at the bit. Still, I'll get there in the end.

I spent a happy few hours working out my DFD (again). It is only DFW's who actually enjoy doing this sort of thing?! I've set myself targets for each month based on my minimum payments, then anything extra is a bonus. I make it T minus 2years 3 months to DFD. Considering that's nearly £40k paid off I'm chuffed to little mint balls with that. Obviously any extra money like bank charges etc will get put towards it, so hopefully it will be earlier. Things are going to be tighter than Jade Goody in a pair of size 6 knickers, but I'd rather be skint for 2 years and then be deft free then fairly comfortable and in debt for the rest of my days.

The house purchase isn't moving, morgage has ground to a halt thanks to the morgage company demanding certified accounts. Tricky, since I do them myself. So any accountants out there that want to do me a favour and sign off my accounts, I'd love you forever! We got 5% deposit paid by vendor, but to go self cert I need another 5% to put down, and we just can't do that. So I'm phoning round accountants seeing if anyone will put their squiggle on them for me. I know I can afford my payments, but you know how companies loooove that paperwork.

I hoe you're all havign a wonderfully cheap start to the new year, I'm already at £10 for my piggy vouchers, that'll go nicely towards next Chrimbo.

OberonSH

Morning all,

Had a lovely day yesterday, wandering round the diy places pricing up for our new home. We had a second viewing yesterday to measure up the gaps in the kitchen - don;t want to move in and then find my washing machine is too big!

We fell in love with this worktop from MFI - absolute stonker. However, the price tag is about £2.5k for 4 metres. I nealry died! But we've decided (in true MSE fashion) to focus on 1 room at a time, both put £200 a month into the pot and spend just that on the house. It doesn't all need to be done at once, and that way I can have my marble tiles in the bathroom (found them very cheap at Wickes) and my posh kitchen. Just not all right now!

I was thinking about itthe other day, and I reckon that's the problem nowadays, and why so mch debt exists. Because we've been trained to want everything now, now NOW!. So my house won't be picture perfect by the time the last box is unpacked. But it'll all be paid for, and there won;t be any increase in my debt.

Hopefully the morgage will start shifting now, the estate agent knows an accountant that will sign off my accounts without needing to see every last receipt from the last 3 years, so that's exceelent news. Also means I've only got a few months to clear the spare room-full of rubbish that needs selling. Nowt like a challenge, eh?

Moneysaving wise I'm having a good week. Trouble looms in the form of my birthday at the end of the month. OH has been told not to buy me 'stuff; - I saw him eying u a £50 army boxset for the warhammer game we play. I told him either put it in the savings account, or pay it off one of my debts for me. But I have a sneaking suspicion I'll end up with more 'stuff'. He's got this funny idea that you have to have something 'openable' for christmas and birthdays. Hmm, more MSE training needed methinks.

Ebay still haven't sorted themselves, I keep getting the same cut-n-pasted emails from their customer support (did I say support, I meant the trained monkeys sitting behind a computer) so they'e been told to give me the information I need to resolve it, I'm charging them £200 per week my account is non-operational thanks to their lack of help and every email will cost them £25 of my time. Lets see how they like them apples.

I hope you all have a cheap day, click your clickthroughs, gain your piggy points and don;t buy that latte. Make your own at home and invest in a thermos.

JET34

HI Oberon,
I found your diary 2 day's ago and have spent every spare minute reading your post's and I just have to say how entertaining, funny, addictive they are you just have to write a book.. your writing is very much on the same line's of 'The Secret Dreamworld of a Shopaholic' by sophie kinsella.
I couldn't wait to see what you had called the ex very inventive name's I must say..
May I say congratulation's on your engagement.... Have you thought of having a knitted dress you could get some of the less smell old lady's in to make it!! he he
good luck with the DFW I think that if anyone can do it i'm sure that it will be you... now hurry and write that book i've got my penny's and pounds ready to buy it!! and I am damm sure i'm not the only one.........

OberonSH

Ah, think I've been beaten to it by MSE God Martin. But I'll plod on, and write my version, and you can all have a free copy!

JET34

Oberon,
it doesn't need to be like martin's he's is a DFW book... you should write your's in the style of your diary it doesn't need to be fact a bit of fiction chucked in would be great. From what I have read of your diary I don't think that you would have read sophie kinsella's book's as i'm not sure if they are your thing ( have a look on amazon and see what I mean) but the style in which you write has had me laughing out loud and i'm sure i'm not the only one! :j

OberonSH

Morning chicks and not-chicks,

Well it's been a funny few days. The debt is getting knocked off at a nice rate, and that's making me happy. Just about to get one of my debts below the £10k mark, so now everything's below £10k. Not sure why, but that's been a big boost psychologically. Seems a bit more do-able.

Rossendales dropped themselves right in it, by responding to my solicitors demands for a full breakdown of my account by sending a pathetic, knocked-up-by-a-chimp letter with no dates, amounts that don't even add up within the letter, let alone match my records. So she's not happy, I'm not happy, and once I pay off what I have on my little spreadsheet, that's all they're getting unless they can prove otherwise. It's strange, but the more I pay off, teh more their figure seems to rise....funny that....

OH's dad is back from the states, how to put it...hes been on a very long holiday, the accommodation was cramped and the 'resort' security was excellent...... and now he's out he has very big plans, planning on buying a 1.5 million house by the end of the year, has 70 grand he can lay his hands on 'just like that', business cintacts meaning he can get back into making thousands a week vry quickly..... is it me or does this sort of thing make you feel like your efforts are trivial? I pride myself on saving my £2, if I save 10p on an item I'm happy. It makes you feel like your scrimping and saving is very small fry. I mean, good luck to him if he can pull it off, but in the meantime I'll carry on putting my £2 coins in my jar, click my piggy points and getting there slowly but surely.

I hope you're all having a good day, good month. We've another year of saving ahead peeps, but we did it last year, and we can it this year. We all rock, and we're getting more and more Debt Free every day.

Snaggles

Well done on the debt-busting Obi! Your description of your OH's Dad's 'holiday' made me giggle - and that's a minor miracle in a week that is not exactly filled with laughs for me.

If he can get hold of that sort of money in such a short space of time, I would be worried that he might be departing on another 'vacation' soon!

webitha

hey oberon
nice to hear about OH relaxing holiday and dont let rossendale cb bully you

i have a slight confession to make i used to work for them up at hardman mill so i know how they work but please dont hate me (being a fellow pratchett fan and mamber of convention sad i no) it was a few years ago
if you want i will pm you the managing directors name and someone who might help you within the company if he is still there as he seemed to try an sabotage them from within as he helped EVERYONE even when they fell within guidelines to van bailiff them he put a kybosh to that

apart from that yeah to getting all debts under 10k

p.s tried that choc pudding yet?