sj`s diary

Pinky15

Oh I def know about the stress of having no money -its horrible. The tv licence - are you paying by DD cause we do ours this way?
Re - the tyres - cant really help but def ring about as we made huge savings doing this.
Keep smiling - you will get there:):):) x

savingmummy

Yes everything bar the water is now direct debit, just got to make sure the money is there to pay them LOL!

The tyres i have no idea but i think DH is going to get some second hand ones for now and save for new. Last time we got new tyres we paid £377 from quikfit:eek:
There is a small industrial garage by DH`s work and he gets his MOT there and a discount BUT not sure if he gets a discount for tyres/parts.

Things always turn out in the end, so im not going to worry about it too much. We have not used the car all week but we are going to Surrey next weekend for the day (freebie day out:D) which is a worry, we may not beable to go now.

savingmummy

Well yesterday afternoon DD swallowed a small plastic toy!!!
She seemed fine until she went to bed and woke in pain, DH took her to A&E and all is fine they got home at midnight!

This morning early hours DH had major toothache (filling fell out of his back tooth 2 mths ago), went to the dentist this afternoon and came home with a lopsided face, numbed speech and a bill of £45!!!!

I have dentist next Friday too and am facing a filling charge on top of check up so will probably be faced with similar!!

NEVER rains but POURS here.

Pinky15

Aww SJ - sending hugs - you are having a rough time arent you? Pleased little one is ok - kids are always putting things in their mouths. As for the filling ouch ouch. I am not very good with dentists at all. Keep trying to smile and put a lottery ticket on for tomorrow night - I think its your turn!:D

savingmummy

LOL nightmare last week hoping this week brings better luck
Pinky check out your signature:T

I have had nothing but trouble with teeth since i had the children - lost 4 out this yr alone, and had so much treatment to the others its a wonder i have any!!
Our dentist is good and knows our situation so does let us pay a bit each week if it is a huge bill.

DD is fine no problems at all, such a scare though. She was shocked and tbh so was i, i expected it from her brother but not her as she is sensible - well so i thought LOL!

Today is bang on 2 yrs since DH took out his management loan secretly. A sigh of the thought it has been 2 yrs and that the `sentence` is shortening and a groan:mad: at the reminder he actually did it!! But what is done is done.

A quiet week for me this week coming apart from Friday when i visit the dentist!! Then off to Surrey on Saturday to visit a farm with the children and meeting up with a lady and her DH, DD and DS i have been friends with her online for 2yrs, we went through our pregnancies together and have become quite good friends online
She too has struggled with finance following her DH being made redundant and then him being declared bankrupt - see always someone worse off!

Pinky15

Sounds like you are feeling a bit better. Boo on the dentist front - I am always sooo scared of going and dread it each time.
Yey to my sig - next month it should be under 3000 which will make me feel loads better lol.
How long is left on the debt management plan?

savingmummy

You`ve done really well:j

:eek: He will be DF in Aug 2018
Was a 3 yr loan which my DH was struggling with so he went and got a management loan spread over 10yrs with more manageable monthly payments.
He told me a month later

It was originally a loan that bought our car (6mth old focus) DH then got overdrawn one month so the loan wasnt paid, then fees came out (unplanned overdraft) and he then owed 2 months loan (unknown to me).
I COULD OF HELPED him to get back on track if he had told me - I had some savings!! *sigh*
SO behind my back he went to the bank and the lovely :mad: lady there got him to take out a 3k loan on top to pay his overdraft and missed loan payments and put the 2 loans together to make this management loan.

In May DH`s new bank rang the bank the loan is from and was told he owes £9,500 SO basically all he is paying is interest :mad:

Lesson learned by DH - dont get a loan or a debt to buy something!!

savingmummy

My head is pounding and i`m feeling very stressed!!

DH was late getting up this morning so he took his car to work and parked it in a nearby street (no parking at his workplace)
He has come home to find a note on the windowscreen saying SORRY! nothing else no name, number or anything.
They have hit the back of his car :mad: The back bumper is cracked and the back has silver/white paint which has come off with car polish, shame the crack wont rub off

savingmummy

Well we called the insurance and they said if we claim we will lose our no claims bonus and also our premiums will go up!
We have finally managed to get the premiums down to a nice monthly fee so this just isnt an option.

Really dont know what we are going to do now, the bumper is completely cracked and our neighbour said it needs a complete new bumper. If it gets left like that then it will just worsen and start to let in water etc then rust!

I still have a bad headache and it isnt shifting im sure it is stress!!

savingmummy

Argh! Stress head returns with HUGE coldsore
Headache eventually went at 3am this morning and i was able to get a few hours sleep!

I have cancelled my dentist appointment tomorrow as 1. i can`t afford it and 2. DH owes them £45:eek: from last week.
Just got to make sure i dont drink anything cold or it hurts like mad for an hour or so LOL!

We didnt do well with Betterware this week £130 something in orders so commision will be low. We got £28 Betterware commision today which bought us bread, milk and other essentials including nappies!!
Next week we should get approx £70 commision from last weeks orders of £389:beer:

Roll on next year tbh! I have not enjoyed this years tests and trials