Eager Elephant's Effective Everyday Excursion ...

Eager_Elephant

No problem Marru - I know you have had a lot on so don't rush to sort me out!!!

Eager_Elephant

Right just trying to get my thoughts in order about my debts and the interest.

I know from the minimum calc on here that my Barclaycard will take 35 years and 10 months to pay back and I will pay £13,575 in interest if I only pay minimum payments. :eek:

But my Halifax is still on the old rate of calculating minimum payment so I have to cover the interest and charges plus £5 every month so my debt literally reduces at £5 every month and according to my calculations it will take about 37 years to pay back :eek: but I am not sure what the total interest will be.

I have about £850 being paid back at 6.95% and £1371.78 being paid back at 17.95%.

So Marru has helped me and has confirmed that if they allocate the minimum payment by paying the highest interest first I will be paying interest 5,152.89.

I think I need to PAD to Barclaycard because of the higher interest rate but as I owe so much I won't feel like it is reducing but if I can clear my Halifax they might give me a Balance Transfer which is what I am half paying back at the moment.

I am due my Abbey statement next week so once that has arrived I am going to ring them to see if their is a BT offer available and whether they can increase my limit and then see where I am with that.

Eager_Elephant

Maximiles is up to 7287 :T

DS had an opticians appt yesterday and needs new glasses as his prescription has changed - luckily as he is still a teenager I get NHS vouchers so only had to pay £10 - unfortunately due to his age he is to big for the kids glasses so has to have small mens and not all the cost is covered - need to collect them next Saturday.

I need my eyes tested but the B1G1F offer has just finished so if I wait a month it should be back and then I can get new glasses :T

Not done my PAD since Friday as been too busy so best do that now, don't want them to think I am slacking :rotfl:

Marru

Definitely keep PADing your Barclaycard and see if you can transfer the Halifax to lower interest rate to sit there until you can start PADing that.

Eager_Elephant

I just knew things were going too smoothly :mad:

DH applied for a Team Leader role at his current place of work, he is basically doing the job already, just not getting paid for it so he thought there was no harm in applying.

I tried to prepare him in case he was not successful, I have been with him 11 years now and I think I know him better than himself and told him that if he didn't get the job he was not to say he was leaving etc which he has done before. He said it would be fine, well of course it isn't :eek:

Today is the date to find out but as he is off today he was called in to see the manager to be told that he did not score enough points in the interview but they acknowledge he does a very good job and goes beyond his remit blah blah blah so he has not been successful. :eek:
Another colleague also applied but we do not know if he got the job plus there were 5 external candidates but there are actually 2 team leader roles available so he is even more annoyed :mad:

He rung me yesterday lunch time to tell me and was quite calm about it which took me by surprise, fast forward to 4.30 pm and he sends me a text to say he has handed in his notice :eek: - I did not get the message until 5pm and decided to ignore it as he collects me from work anyway and I knew he would not do anything so rash without speaking to me.

Luckily he has not handed in his notice but has written it out, he says he is just very angry that he has given 110% for the last 3 years when some of his colleagues barely give 10%.
He ranted on for ages and all I could say was 'I told you so' .
I just knew he would not cope with the rejection and this is exactly what has happened - he keeps going off on a tangent about what he is going to do and sometimes he says he can work there under a new team leader but not if it is a colleague amd then he says he can't work there at all.

He had acupuncture last night which has helped, the only good thing about this is despite the hoo-hah his head pain has not increased which it normally does if he is stressed so hopefully he is learning to manage it.

He admits he was too cocky and thought he would walk into the job as previous people whio have been employed internally have not even had interviews but I am not sure if his illness has gone against him or maybe the grievance he raised earlier in the year.

Either way things are going to change. I think I said before his basic outgoings before petrol (as he drives my car but if he worked anywhere else would need to be able to get to work) are about £1000 :eek: so it's not even that he can take a part time job.

God debt really does restrict you doesn't it??

And to top it all last night DH did not have enough money in his account to pay for acupuncture, he did his own budget this month and said he had £100 spare but he had not accounted for things due to come out only things which had come out. I redid it last weekend and it left him in minus figures but it should not have happened so early in the month so I need to sort that out today.

So I am sat here worrying about today as DH is off work but at a training course and the colleague who applied for the job is there too so not sure how DH will react, actually I will be worrying continually until finds a new job.

I could kick myself, why did I let him apply for the job? :eek:

Marru

Have a huuuge hug!!! But you needed to let him apply for the job and it is NOT YOUR FAULT what happened.

There is only really one thing to do. Really put the effort in despite at work AND brush up the CV. So when the right job comes along he has gained confidence and will get brilliant reference.

I didn't get the promotion I applied for but despite getting all upset about it said that I would like to move to that team anyway even staying on my current level. Now I am going to get a job that is more exciting than the one I am doing, getting a new manager that I think I will get along with better than my present one and also there is a trip to Switzerland in cards for me. And who knows what else will come out of it. Just making the best of it opens numerous amounts of doors. I do realise that I am much further dealing with my illness than your OH is but really it is possible.

Eager_Elephant

Thanks Marru,

His boss says he is to hang in there for now as there is a job coming up soon which he would be perfect for but gave no more details.

Yesterday DH emailed his manager and asked for a meeting away from work (manager was conducting interviews for another job vacancy) so will have to wait and see what happens.

One of the thngs DH suggested is that he asks to move department to a different location - not sure how feasable that is though.
DH absolutely loves his job, his service users really like him and will sometimes not see their own worker just so they can see him.
DH is now supporting a different place and one of his service users from the old place has asked to be moved to his new place which the team leader has agreed to - I thought he might stay because of the service users?

DH should be home soon so should find out more from today - if the colleague got the job?

Eager_Elephant

I have been all of a dither today, I wanted to sort some bills out but realised my debit card is in my car which DH has and so I can't settle as I know they need to be done by tonight.

Have managed to 'rescue' DH's account but looks ike acupuncture will be coming out of the child care account for next week plus he needs to ring one of his credit cards to make a payment as a DD has bounced - Grrr so angry, he has not had a bounced DD since Dec or Jan when I stepped in to help him.

No extra work for me today so have been at home doing housework and paperwork.

Eager_Elephant

Well....the colleague got the job :mad:, he has no experience of working with offenders or the housing role but does have management experience which is why I assume he got it.

He did not tell DH, instead DH got a call from another colleague who said an email had gone out.

The colleague who got the job was all chatty to DH in the morning and then after lunch went all quiet and did not reall speak to him so I guess he was told at lunch time.

So as soon as DH got in he went upstairs and was on the computer nearly all night and the only thing he said was that he would hand his notice in tomorrow and he didn't care whether I left

He also said I was not being supportive enough :mad: but how supportive can I be when I have had nearly 11 years of crap to deal with and have been here before with him.

Then after a few hours he cam downstairs to say that he would stay in the job but job search and only do his role and nothing extra, I asked why he had changed his mind - he said he realised he can't manage on no wage :T

So he has not slept at all last night, he spent some time trying to get to sleep and the rest applying for jobs :eek:. I kept getting up to see him as I am worried about suicide and he said he couldn't sleep as he has so much going round in his head.

Not sure how he will get through today :eek: but then he said he might not go in :mad:. I think he needs to go in to have a chat with his manager and discuss it all.

He has gone to sort the animals but I am sat here worrying that he might hang himself from a tree and now I wonder if I should have been supportive?

But what is there to say when you know you can't afford for him to leave his job due to debts?

He even talked about bankruptcy but obviously that would be no good for my career and I am precluded from insolvency so not sure how they view husbands - will cross this bridge when I come to it.

Eager_Elephant

DH came back :j

But I am concerned, he has not slept and says he is not tired and he also mentioned he might like to be sectioned :eek: as he feels very depressed about this but also manic - hence the not sleeping and I am worried he is having a bi-polar episode.

He says he is still going to work so that is good but think he needs a doctor's appointment.