I'm tackling my debts in 2010

Radish72

InaPickle wrote: »

OMG that's awful!
Keep going, Emmie - and any would-be stalkers don't mess with her else we will virtually maul her on her behalf!

That awful about the "insert any rude word that you feel", what a coward to PM you, I'm glad you have reported it and I would defo maul anyone who was abusive on here

It happened to me once, bloke had being made redundant and coudn't get a job, loads of people offered advise including me and for some reason he started to have a go at me in his thread, he got such a mauling from everyone else.

emmie26

InaPickle wrote: »

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And now, young lady, this fire you keep mentioning. I can understand your desire to get a beautiful fire for your front room to 'finish off' your house, but since you say that a lot of your debt was incurred by doing up your house, do you think your mindset to money has yet changed enough to get the posher fire and still whittle down your debt? Is your house your Achilles' heel which drains your finances in the quest for the perfect home surroundings? If you get this fire can you see there being a next 'must have' item for the house, or will you have the mental and financial strength to stop yourself from thinking in that way and buying something else? Will this truly be the end?

I know you are right pickle, I feel like I have had a dressing down from my mum, but my mum was also always right. I've had a talk with hubby about it tonight and I have said we should go for the cheaper one, he on the other hand says we should not settle and we would regret it. However, where does it stop after the fire is in we need to have a new floor and then new curtains, new settee, new dining table the works and if we had the same outlook on all these purchases and we weren't prepared to settle the we could easily double our debt in a couple of short months and this is not what i want. I am now on the lookout for something cheap as chips that we both like. Easier said than done .

Radish72

emmie26 wrote: »

However, where does it stop after the fire is in we need to have a new floor and then new curtains, new settee, new dining table the works and if we had the same outlook on all these purchases and we weren't prepared to settle the we could easily double our debt in a couple of short months and this is not what i want. I am now on the lookout for something cheap as chips that we both like. Easier said than done .

Are you confusing the word need with want, the carpet I can understand due to the removal of the old fire but everything else

emmie26

oh no not you as well radish, I can explain honest, currently we have a very small dining table with 2 chairs and there are 4 of us so we do sort of need an appropriate table and chairs (buying two more chairs is not a good idea). The settee is 30 years old (I am not exagerating) it was given to us when we moved in together 10 years ago and was in bad shape then so after several toileting accidents (by the children ) it is horrendous now (please don't make me sit in the shallow end) and we have no curtains at patio door which isn't very good for heat insulation so I sort of need these to save the environment .

All in all I am making excuses I know but I want want want!

Radish72

I'm having the battle my BF he thinks we need £10K for new furniture when we move house, as we need a new dining table, new settee's (though both the old ones don't have a shallow end - indoor pool what a luxury :rotfl:), new bed plus everything else

This does include £4K for a bed just because it has a place for a TV in the footboard, so you can hide it away, it would stop the power struggle of who sleeps on which side of the bed to watch TV that we currently have.

Thinks he might get upset, cause if there's 10K sat in an account I will pay it off the new huge mortgage

But you can have, have, have, you just need the money in a saving account first before you spend, spend, spend

And to think we will be getting rid of a dining table (with 4 chairs) and sofa's when we move to one house - but there not brilliant

emmie26

Radish and pickle your team effort of questioning/bullying has ensured that a big decision has been made today, I have decided that I am not going to get a new fire :eek:, hubby is going to plaster over the hole and we are going to have a tv flat on the wall with a new funky modern unit where the fire should be (all of these purchases will be made once we are debt-free) the money that we were going to spend on a new fire is going towards two new radiators with high heat out put (£160 for both) meaning that we shouldn't need a fire at all anyway. The remainder of the money is going to go towards debt, we will use the bonus money and tax back to get floor and other essentials with any left over going on debt, and then we can buy all the luxuries once the debt is paid off and then I won't feel guilty about it and I won't have my virtual friends on my back

Not only have I had this revelation but I have also done some overtime in my second job today, so that will be an extra £100 in the kitty, its the first shift I've done in ages so i feel very :A.

Wish me luck in going to b&q and only coming out with 2 new radiators and a tin of paint.

emmie26

well did not manage to come out with just two new radiators!

Did manage to spend £710 :eek:

I went to b&q with all good intentions and then me and hubby started looking at the flooring (just for some idea of the cost) and we realised that if we got it today we would save about £100 as it was 15% off day, this seemed like good financial sense and as we had the £500 which was for the fire burning a hole in our pocket, we decided to get it. We have a massive living room 26ft x 13ft so whichever flooring we got it would cost a lot.

We have £100 budgeted for the house every month so that added to the £500 for the fire means we have to find £110, hubby did overtime last month so he will have to put it in the joint account. However before the floor goes down we need to have some skirting board and the plumber in to move the gas pipe so that hubby can plaster up the fire hole, I don't know how much this is going to cost but do not know where we are going to get this money from ???

I cannot wait for the living room to be finished so that all these distractions can be put out of the way and we can get down to some serious debt busting. I have a feeling that Mays summary is not going to be much better than Aprils

Radish72

I suspect that you will be missing in action for a while as you will be working OT to pay the B&Q trip :rotfl:

InaPickle

Oh Emmie! :rotfl:

A combination of 'well done', 'I see where you were coming from with the flooring' and 'bad girl', methinks! :rotfl:

I think by the sounds of things you may have to wait until next month to get the plumber in, but if you saved 15% (how did you pay for the rest, CC? Does that mean you will be earning a bit of interest on it, so it's a bit less than 15%?) I can see why you did it.

If that means that next month it will be done and dusted, then maybe it won't be such a bad thing and you can start saving towards the curtains/table & chairs then maybe it's as well you got it out of the way now.

When it comes to curtains/table & chairs might I suggest the curtains first as they are both likely to be cheaper and will also save you a bit on heating in the meatime while you save up for the chairs.

emmie26

Radish72 wrote: »

I suspect that you will be missing in action for a while as you will be working OT to pay the B&Q trip :rotfl:

Unfortunately this may be the case, however I will never be far from the forum you may be suprised to know that it keeps me on the straight and narrow. Hubby and I were discussing said spending and we think that this might be the first room that we decorate without getting ourselves into more debt, I daren't speak too soon but with you guys to question and chastise me I am thinking a bit more about my spending!

InaPickle wrote: »

(how did you pay for the rest, CC? Does that mean you will be earning a bit of interest on it, so it's a bit less than 15%?)

Extra money is not on credit card, the money is in the account we just have it allocated to other things like saving for the car tax and insurance (due in november), ultimately it will be coming of extra debt repayments as it is coming out of hubby's overtime money.

InaPickle wrote: »

When it comes to curtains/table & chairs might I suggest the curtains first as they are both likely to be cheaper and will also save you a bit on heating in the meatime while you save up for the chairs.

I agree although at the moment I think that it will be quite a few months before I can afford to get either, as I've said we have £100 a month allocated to house spending so once we have stopped using this for decorating it can go towards curtains and new table and chairs, thats if I can learn to wait, this is something I am struggling with