Fat, Forty and fedup - drastic action required!

lauhen

Thought I would pop in to say hi, I am so glad for the council tax break this month and next also, I used this months money to cover daughters birthday presents and next months will be going towards debt.
I will definately be bending your ear about nursing at some point, even if it is just for a rant.

Primula

Just catching up. Glad you enjoyed your break away with your friend and great news to hear OH is on your side. Maybe he felt a bit jealous of you and your new found love afair with MSE - coz most of us on here are addicted! Paying £1,000 per month to c/c is absolutely fab. you go girl!

lauhen

just popping by to see how you are getting on, keep up the good work. I have just posted an entry on my diary and if you feel like popping by and giving some input it would be much appreciated.

dealwithdebtdot

How you doing Judi?

judi24

Not been on for a while - so update needed!

Had a mad week in work last week - I have been asked to take on more responsibility in work - but with no extra pay! It is very difficult to say no but I know I should push for more money - for some reason I am really struggling with this! Short term there will be lots of extra work and stress - my boss is offereing loads of support to gain the skills needed to do the extra bits of the job and thisn will really enhance my CV so in a couple of years I would be able to command a much higher salary.

My OH again is not supportive - he is working long hours which makes him tired and cranky and he doesn't want to listen to me trying to make sense of the work issues - just makes stupid comments!

Have been arguing with older kids too - about boyfriends staying over - they are 18 and 17 - I don't want them to leave home just cos they cannot have thier boyfriends stay over occasionally - but OH doesn't agree (although his DD has her BF stay over at his ex's house!) I left home at 17 cos my mum wouldn't accept that I was in a relationship and wouldn't let my BF stay over - at that age it seemed so important to me to be able to have a proper relationship with him. I want my girls to feel comfortable living in my house until they are ready to leave rather than force tham out!

I am rambling now - but just needed to vent sorry!

As for money - I am skint!!! Pay day is next week but kids are off this week so an expensive week - don't want to resort to using CC but feel really panicky when I have no money in the bank!! there is loads of food in freezer but need a few fresh bits to see us through to next week - also going out today with friends so need to pay for play area and lunch - and might need fuel too!!!
I asked OH for my CC (he keeps it so I can't use it!) but he left me his bank card instead! It's mad but I hate using his money - even though he doesn't pay enough into the house (long story!) - my head is a mess today! sorry

Primula

Nice to see you back posting again, sorry to hear things are difficult for you. Don't know if this is any help but re the DD's/BF's situation, but what we did was say, yes the BF or GF whatever the case may be, can stay over on occasion when unable to go home, BUT only on occasion, AND they sleep on the couch, not in your bed, we were firm about it, and it worked fine. My friend on the other hand thought along your lines and she regrets it now - staying over all the time and now she feels she cannot relax in her own house. In the end of the day it's your house and you do what you feel comfortable with, don't be pressurised into doing something you are not comfortable about.

Hope you have a good weekend.

judi24

Thanks Primula - well - eventfull evening yesterday - DD 1 and DD2 both went out to parties - DD2 was brought home by BF and his dad - in a right state - very drunk - had been sick at the party and someone phoned her BF - he brought her home and put her to bed! She remembers nothing about it. She has never done this before and although I was no angel at her age it scares ma - if her friends had not been looking out for her who knows what could have happened! I expect most mums go through this with thier kids! DD1 came in drunk - but she is 18 so can't have a go at her - they were both up and out for work this morning!!

Trying to convince kids to go for a walk with me and the dog - but with little success!

Trying not to spend anything today!

judi24

Found out yeaterday thet my gas/electric account is £179 in credit!!! Eon have quoted me a better price (£250 a year saving) and I am hoping that when Npower closes my account I will get this back! Have overspent on my budget this month! by around £200! next month will be expensive as going to centre parcs - will sort my budget for March today! When I get paid this week I should be able to pay off enough to have all my debt on 0% cards until they are paid off!

But - I can't help looking at holidays for the summer! I know I can't afford this unless it is camping - but older 2 klids don't want to do that!

Also thinking of letting dog have another litter of pups this summer - she is a labradoodle - she had 9 pups last year - it was hard work but good fun and I made a bit of profit which I used to pay debts. If I was debt free this summer I could try to get away in October if I made some profit - mmm got me thinking!

beanielou

It is scary.
My DS (16) was very drunk & then very sick recently.
One friend went & left him but one friend stayed with him & brought him home.
The joys!!!!
One of my friends has a labrodoodle~shes fab.
Imagine you would make a good wee profit

judi24

Decided that debt repaying is sooo depressing!!! it is 2 days after pay day and I feel very down today! I know its daft but I hate paying my CC bills - I love seeing the balance come down but it still gets to me that I am going to be skint all month again!
I have set my self a very tight target - I want to pay off £8000 in 8 months - then i will have paid all my CC's and my OH has offeed to pay my OD's when I do - The time scale is mine not cos I have to so it is self inflicted - I could back off a little as most of my debt is now on 0% til Jan 2011 - but I just want it gone as soon as possible!

This month I have transfered £5600 to a new santander CC on 0% for 12 months and cleared both MBNA cards. I now have:
Barclaycard - £1400 (going to try to clear this next month)
Santander - £5427
Total - £6827 (paid £1100 this month)

Options -1. pay the Barclaycard next month (carying interest) - then slow down and pay Santander over a longer period
2. keep at it for another 7 months being skint and miserable and be done with it!

Want to stick at it but just sick and tired of being skint 2 days after payday!

Need a kick up the *%! today :mad: