Debt free before baby.

sazzle81

Well fell off the MSE wagon in a big way today Desperately needed a hair cut - think birds may have been nesting in there and then had to buy stickers for school and also set up a bet fair account for a one goal or more - in my defence though you paid in £25 and got £25 added and I won so made £1.50:j However, haven't been too lucky with betfair in the past always sem to pick the games that are draws :mad:.
Am considering going to the cinema tomorrow, the OH and I haven't really had a date in a long long time, I should do Orange Wednesday but Wednesdays are a tricky night for me with staff meetings etc.

Anyway, night in for me, have some Supernatural episodes to catch up on and may treat myself to a McDonalds for tea when picking the OH up from the train station. Looking forward to that as he's been out since 10:30 after a month off the drink!!

sazzle81

Warning! Grumpy, feeling sorry for myself post alert!!



Is it possible to have a lightbulb moment during dealing wit lightbulb moments?? Basically have come to the conclusion that perhaps taking out the loan in order to pay of CCs may not have been the best option going. Yes it means that I can see a finish line and that there's no procrastination going on about the debts but it means that every month we are having to pay out £300 without the option of paying minimum amount.

Bit concerned that my job may be in jeopardy. Long story short, big boss at LA battled to get an AST in primary science job with me in mind. Took a while and several other jobs came up which I felt I couldn't apply for. I was over the moon to get AST status (pay rise most welcome!) and am loving the job. Got a contract through last week (only been doing the job since October!!) Which says I'm only temporary until August :eek: I was under the understanding that it would be a year post minimum . Wouldn't be a problem if it wasn;t for the fact that in order to gain AST status I had to "go through the threshold" which means I become too expensive to move schools (schools have to pick between "cheap" NQT or expensive me. Also our school roll is falling (not to mention me wanting to leave due to being hit and kicked etc from child in class...update on this now being told to ignore her as she feels she can get away with it with me!!) which means possible redundencies. Worry is if I do get made redundant then can't get another teaching job. Have looked at the 2 deputy positions about and both want you to already be a deputy. Bit of a crappy situation all round TBH.

OH and I had the talk tonight and have decided that we are going to have to start living like I have been made redundant, really we've sort of buried our head in the sand for far too long. Everyonce in a while we'll poke our heads out and say all the right things and do the right things for a few weeks and then bury our heads again.

Didn't go to the cinema as OH was a bit too hungover (although he's managed to make poker tonight:rotfl:) and I'm trying to stop a cold. We could probably afford the trip were it not for the petrol costs. Not sure what we'll do when petrol goes up more in April.

Wow! I sound so so pathetic and rubbish there! Bluming annoying thing is that this isn't me! Up until I started teaching I was so good with money and really confident in my abilities (to the extent of convincing people I could do jobs wihtout any experience!) Now I have the experience but have managed to lose confidence in my abilities!!:mad:

Really need to give my head a shake and try to look at the positives. Was looking at someones status and she talked about writing positive things that happen each day. Today, all I can think is that its been a NSD although I'm also pleased that OH and I had talk, he's very good at always looking on the brightside and less so about coming up with contingency plans.
Oh I also won £1.80 on Betfair and had some Onepolls to do. Actually not that bad a day after all!

Hopefully tomorrow will be a better day. Normal service will resume soon!!

sashybo

Hi sazzle, sorry you're worried about your job and feeling down. *hugs*

Hope things work out okay but at least you're thinking and talking about the possibility of redundancy and how you would manage your money. That doesn't sound like sticking your head in the sand so be proud of yourself!

I think most people have a series of LBM's where you look at the debt and go "Oh S***!" and think about doing something but maybe for a while you don't. Then another small thing will happen and give you a kick in the bum and you move it along a bit until you're dealing with it and/or changing your attitude to money.

We've been struggling with debt for several years and it's taken us this long to really realise we do need to budget and save for things like the car MOT/tax and servicing instead of panicking at the last minute! We're still far from perfect but we're trying - as are you, so well done. :T

sazzle81

Thanks Sashybo! It's great to hear that other people have a series of LBM, I guess it's all too easy to bury the heads in sand.

Not been on here for a few days. Have had the dreaded flu, oh the irony of the earlier discussion about flu jabs! So so wish I'd got the jab now! Was horrific last night when I had some crazy asthma/panic attacks, have never suffered from asthma before so was very scary. Have had to take more time off work. Went in Monday to Wednesday as was being observed by our SIP on Wednesday but think I succeeded nothing more than to make myslef worse! Went to the doctors this morning and he was astonished that I had even considered going into work, never mind went. Left with some strongly worded advice to take better care of myself!
Trying to think of positives, at least I wasn't pregnant this month because all that is keeping me going is Lemsip, cough medicine and paracetamol!! Also although I am keeping kleenex in business and getting through a box a day I'm managing not to spend money on anything else other than kleenex!!!
Anyway, off to steam my face!!

loumac

Hey sazzle,

Hope you're starting to feel better now. Not nice feeling grotty, everything else feels like hard work!

Really sorry to read everything that's going on at work. I guess the difficult thing is the not knowing for sure and not being able to plan. Try and keep all those positives in mind.

Sending you lots of happy thoughts, hope you've had a good weekend.

Lou xxx

sazzle81

Thanks Lou, Just been on your thread and left a message:rotfl:. Feeling a little more positive about things but could just be Lemsip overdose... Things are happening at school that I'm not happy about (won't go into dull details) but have been considering a move, if I do get made redundant may give me the motivation I need to make a move. I'm a great believer that everything happens for a reason.
Still lots of NSDs recently, mostly because I've not been able to get out of bed never mind leave the house. I haven't been so poorly since I had glandular fever aged 14.
Well must go and do something to the house...having had nearly a week off housework, it's an absolute tip!

loumac

Just a quick check in! Hope you're starting to feel more human and school stuff isn't getting you down too much. Don't worry about housework, it can wait. Just get your head round your future plans...!

sazzle81

Well, a long long week but half term is finally here:j.

Finally getting over this flu, although all the nose blowing has left me with a lovely huge coldsore on my upper lip. Have some of those compeed patches but honestly seem to spend a fortune on stuff for them, doesn't help that everything for them is so blinking expensive :mad:
Have been so manic at work and poorly that I have completely managed to lose track of my NSD. To be honest, I'm not really getting the thrill I once did out of them. Still at least it's not the bad old days of crazy spending!

Have spotted a deputy job position and been for a look around the school. Seems really nice so am going to apply for that over half term. Just pleased to be away from school for a week!

Am very nearly at the £30 mark on Onepoll - only another £10 and my pureprofile is looking healthy to. Hoping to have cashed out on both of them by the honeymoon (8 weeks on Tuesday!!)

OH is out tonight so have a weeks worth of sky+ to catch up on due to having early nights for most of this week. Also have a lovefilm of Supernatural series 3 and Madmen so a rock and roll night for me! Looking after my cousins chidlren tomorrow, so weather dependent on how much money we spend!

sazzle81

Well it's been a bit of an expensive weekend Took cousins children out yesterday to a play area thing, was fun but rather pricey when you factored in entry, lunch and then the oldest wanted to visit my mum and take flowers. Which was actually really cute of him! Then today OH and I were supposed to go to the cinema together but his nephew ended up coming along, which meant that we HAD to go to the 3D version of Yogi bear. Actually that was OH's choice, I think he enjoyed it more than his nephew
Desperately need a pair of workshoes which means paying over the odds for Clarks shoes :mad: Tried on four pairs, One was too big, one was too small, one was just plain ugly and the others were perfect...if I could wear heals all day and no socks:rotfl:So back to wearing leaky shoes for the foreseeable future!
Got to go to the dentist tomorrow to get a guard fitted to stop me grinding my teeth at night. So annoyed that I was qioted £75 before our wedding but couldn't afford it due to costs. Went a month after the wedding and it's gone up to £150!:mad: Still not 100 % if I'm going to cancel and make a new appointment after payday.
Also seem to have gotten back into the glossy magazine habit. I just love their shiney, glossy covers and their promises of a better me;)
Must...stop...spending...money

loumac

Ah but have you enjoyed it...?!? Sometimes an expensive weekend is allowed. And if it was for yogi bear, then well, enough said! Ha!

Bad news about the dentist though...can you pay on a payment plan? If it's something you need then you shouldn't put it off.

Enjoy half term, put your feet up with those glossies!