Mrs A's Debt Diary

corrig24

Hello Mrs A,

Glad to see that you continued your diary, keep it up, I must do the same, I have no milk in the house but refuse to go shopping until I have made a list, other wise I am very capable of including unnecessary items.

With regards to the house I think you should go for it if you want to and can afford it, its an investment for the next 15 years, but after that if circumstances don't change it would be your new home. Have you discussed the eventually of the three of you living together in dept.....have a while before it happens though! My Grandmother (Dads mother) lived with my mom and dad until she died, (39 years in total), it got to my mother sometimes but all in all it worked, so its worth talking it through, your father could live for another thirty years if in good health. That would mean that your husband would be living with him for 15 years after he has retired.

Keep up your good work, your on the right road!
Good luck with your shopping.

Mrs_A.

well i have been to the library to exchange my books today. very debt free
done my menu plnning for the week. very debt free
got my list for the shopping very debt free
going out tonight as we have been invited to a very good friends 80th birthday party and decided no matter how skint we were we wouldnt miss out as dont know how much longer he is gonna be around for. not very debt free as have to take a bottle at a cost of £9.00
but to redeem myself the party is just past my favourite tesco store to will leave for the party early and go via tesco to save my petrol costs. very debt free.
hope you all have a cheap saturday night
regards
Mrs A

ZTD

Mrs_A. wrote:

hi
dad will be entitled to a 10% discount house currently worth in total excluding discounts 105k
regards
mrs A

Assumption a 105k house gets approx 450pcm rent, that £20,000 plus the discount (~30k) will net you approx 68 months or 5.6 years rent.

Of course you should add an interest figure for the fact you're getting it now, rather than spread over 5 years (a bird in the hand being worth two in the bush), but I've no real idea of what figure to use for that.

You could try the mortgage figure - compounded.

Mrs_A.

morning campers or rather afternoon campers!
enjoyed the night out last night as my dear old friends 80th party!!!! a welcome break from staying in and dreaming of being debt free.
today im cleaning like a demon with my stardrops of course just trying tho prepare the house for my return to work tomorrow boo hiss.
feeling quite depressed about going back to work tomorrow but i know there is extra shifts going so might sign myself up for some.
dear old dad was in this morning and i got paid for my 2 hours cleaning and 1 hours ironing at his house over the last few days in between the decorating netted myself £25. gonna stick it in the bank account tomorrow and thats a start towards my saving to pay off the suite before december only another £863 to go.
counted up my savings stamps for tesco this morning and i have a grand total of £50 for that so im well chuffed. had a very successful shop last night as well never got anything that wasn't on the list must remember to update my signature too. over all a not bad day was had.
the money comes easily mantra must be working after getting dad to pay up for the cleaning etc.
have a lovely and cheap day everyone and i will update later if theres any developments in Mrs A's world.
regards
Mrs A

gallygirl

Crikey Mrs A dad's house will be gleaming if you pay of the suite with cleaning money

Glad you had a good time last night. Everyone's in a good mood today, must be the sunshine!

Mrs_A.

morning
i have really got the blues about going back to work today!!! i so dont want to be a working mother/wife but if i want to be debt free and buy dads house i know i gotta do it.
i only recently started a new job one month ago and i have been on holiday for the last two weeks so its like starting new again.
sorry to moan and be a whinge but i need to get it off my chest. i also suffer from depression and i feel its really bad just now, lots of family stuff going on and its taking its toll. i have a 48 mile commute to work too and wish i could get a local job
sorry moaning over
regards
mrs a

CAFCGirl

Why not try
*Stand up*
Hi, I'm Mrs A and by (whatever ur dfd is) I wont owe anyone anything so they can all kiss my rear end?
*Sit down smiling*

It's making a very small difference to me

Mrs_A.

morning campers
well i survived my first shift back at work...... it was an absolute scorcher of a day and i sweated my way through the whole shift.
never volunteered for any extras though might do that today, to be honest i spent 8 years getting the qualifications i needed to get into the university and then 3 years at university to get my degree to do this job and now i think its not the right job for me !!!!!! is going on? it is the job that i have always dreamed of doing, i dunno im just really discontented right now with just about everything in my life im so demotivated and i think that all i do is moan and grumble about everything i am hoping that its just middle of the month blues that i have and not that my depression is taking a turn for the worse i hope not as the gp is running out of anti depressants to try me on......
anyway plans for today include
rolling my own cigs
taking my own food to work
enjoying work when i get there
pay my cleaning money into bank before it frittered away on rubbish that i dont need!!!!!!!!!!!
hope everyone has a fun cheap day
regards
mrs a

Mrs_A.

morning peoples,
on a day off today but i am doing an extra shift a whole 7.5 hours at time and a third and an hours unsocial too, that should give the suite money savings a little boost.
had an awful shift yesterday at work, there are normally me and a nursing assistant on duty for the late shift but i was alone until 5pm then my helpful agency nursing assistant went home at 8pm, result one sore back for mrs a and extremely tired. however it made a change and helped to pass the shift quicker. didnt really get my half hour break though just grabbed a quick cuppa when i could oh the joys of being a working woman.....
just checked the internal vacancies web site and there are a couple of localish part time jobs going so im gonna phone for application forms this morning. not managed to get to the bank yet to pay in my cleaning money cos its been so long that i used the account that i cant find the pay in book, it is filed somewhere in a very very safe place.
forecasters say that today is going to be a real scorcher and i agreed to work overtime what a plonker am i, never mind it will be worth it at the end of next month i hope
well honeys have a cheap and happy day
i am off to phone for application forms
regards
mrs a

Mrs_A.

g'day campers,
day off work today yeeee haaaaa,
yesterdays overtime was a good enoughshift but a killer physically i came home with a blister on my foot and swollen ankles.
well i have spent the day so far doing housework boring...... need to check my bank account today to see if i got paid for my extra 2 shifts i did whilst i was on holiday i hope so as im fairly skint just now (whats new) everyone at work asked me yesterday if i was mad working overtime in the heat but i replied "i'm a bit financially embarressed just now and could do with the extra money" to which nearly everyone else replied that they were feeling the same, so its good to know im not alone in that respect at work. other piece of news work related i did phone for my 2 application forms so im just waiting on them arriving and one of the other nurses at work has been signed off for a whole month (lucky devil) so there will be loads of extra hours going. this is a bonus but the very nice devils at the inland revenue seem to enjoy taking a larger slice of my hard earned if i work overtime. anyone got any idea of how many extra hours to work in a month to make it more viable for me.
just got an email from amazon one of my treasures just sold so i better away to the post office and send it. didnt get much for it but every llittle helps.
hope everyone is having a good day
"money is comming easily to me"
regards
mrs a