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JC's kick up the butt diary!
Comments
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savingwannabe wrote: »Am about to go to a medical appointment but well done on the new diary. This is fab.
Will post later.
Nb. thought of ebaying stuff lying round the house?
:j
thanks for popping in. Yes, I have got loads of my DD's clothes that I could put on ebay. Just need to get my butt in gear! lol. I tried a couple of months ago to sell the clothes individually on ebay, but didnt have much luck:( and all her clothes still look like new! So I have decided that I am going to sort out the clothes into age groups, and try and sell them as bundles, and see if that works better! I have got so much stuff of hers, its unreal:rotfl:Shes growing like mad at the min. I need to stop thinking about these things and just get on with it! thats another reason why I started a diary, as the title states, I need a good kick up the butt!:rotfl: speak soon xLBM: April 2009 - honest debt figure: Secured: £0.00!! (paid back april 2017) unsecured: £53117.48 (roughly):eek: back with CCCS starting again:(0 -
Hello JC,
Here is some of what i have done in the last month. I have saved as opposed to being nearly overdrawn:
I have ebayed some cds over the holiday and so far i have earned £20! To be honest i was glad to clear some space.
Take lunch to work. This has been my biggest saving. Take your own snacks so you dont give the work people money.
Only spend for food in the supermarket, & then drop a brand or too. If you can find an AL** or LI** that is even better.
Ring up your cable, tv, internet providers and tell them you want to leave - it saved me £6 a month.
Change your electricity/gas provider.
Put all spare change into a savings pot at the end of the week. It is amazing how much i have saved in such a short time.
Stay happy as you are doing the right thing,
best wishes,
:jAiming for a minimal spend 20220 -
Hello,
Just wanted to pop by and wish you lots of luck - you seem clear about what you want to achieve and I wish you all the best in doing so. A diary is a great way to log things, get tips and most of all vent! :rotfl:
I hope your OH eventually realises how much easier life would be if he took a step back to see.....if only eh!
Have subscribed0 -
jasperconran wrote: »thanks 40sm:D.
One thing I forgot to add at the start of my diary is I think we should change our bank account. Our overdraft is set at £2500 and we usually go up to £2300:eek: so every month we are loosing just over half of our combined income on paying it back!!! So we never catch up. I have suggested to OH that we change to another bank and he refused. I can understand it in a way, we have been with our bank for over 20 years and we have got a good history/relationship with them. BUT we need some breathing space, and he just cant see it. We never get on top, never.
I am just wondering now if I should just go ahead and open another account with someone else and have all the bills paid out of that. what do you think peeps? any thoughts. thanks
You have a combined monthly income of nearly 4.5k, wow thats pretty high :-) I don't suppose you could pass some of it to me0 -
You have a combined monthly income of nearly 4.5k, wow thats pretty high :-) I don't suppose you could pass some of it to me
hiya BLT, sounds great doesnt it? when its said like that. trouble is we never see any of it! hence the mess we are in :mad:
feeling down again tonight:( OH did the usual, came in and did nothing but moan at me and DD, mostly me. It seems nothing I do is right. He has denied it before, but part of me is starting to believe that he thinks that if he makes my life as dreadful as possible, then I will be the one to leave. I could be wrong, but I dont think so. Well, it aint gonna happen! my DD wants to be with me, and sad as it is to say, she is fast losing respect for her dad and I cant blame her really.:( Oh well, hopefully I will get a good nights sleep tonight and feel better in the morning. I promise that my diary will be on a high note tommorow!!;) I must and will be strong, I can do this. I will sort OUR mess out, and then things will change around here!!
night all xLBM: April 2009 - honest debt figure: Secured: £0.00!! (paid back april 2017) unsecured: £53117.48 (roughly):eek: back with CCCS starting again:(0 -
We all have days where we're up and down like a yoyo. The down days are the ones where you feeling like you're wading through quicksand and its not making any difference at all. Just keeping under control on days like that make all the difference in the world.
£4.5K a month (assuming thats after tax) is indeed a whopping income but I bet you have an equally enormous childcare bill to go with it. That came as a bit of a shocker when I started work again. It might only be £50 a day which sounds quite reasonable (or at least it did at the time) but over the 7 week summer holiday thats £1750. Then theres the never ending barage of school trips. Next weeks two night residential stay is 25 miles away at a cost of £110 plus transport plus £10 spending money (recommended by school).
Its taken you a long time to build up that level of debt so ditching £60K of it over the next four years sounds pretty reasonable. It seems like a long time but I bet it flies by and you'll find a couple of months from now you don't miss any cut backs you've made.Saving for a Spinning Wheel and other random splurges : £183.500 -
jasperconran wrote: »hiya BLT, sounds great doesnt it? when its said like that. trouble is we never see any of it! hence the mess we are in :mad:
feeling down again tonight:( OH did the usual, came in and did nothing but moan at me and DD, mostly me. It seems nothing I do is right. He has denied it before, but part of me is starting to believe that he thinks that if he makes my life as dreadful as possible, then I will be the one to leave. I could be wrong, but I dont think so. Well, it aint gonna happen! my DD wants to be with me, and sad as it is to say, she is fast losing respect for her dad and I cant blame her really.:( Oh well, hopefully I will get a good nights sleep tonight and feel better in the morning. I promise that my diary will be on a high note tommorow!!;) I must and will be strong, I can do this. I will sort OUR mess out, and then things will change around here!!
night all x
Time to get ready for work, however this is worthy of a final post.
I suspect you are right in your analysis of the situation. The debt is as I am sure you will agree, enormous, It impinges on his ability to enjoy himself, and he needs a focus for the blame. The easy target is your and the DD, ergo if you remove yourself the underlying reason for the situation is gone, and its not his fault as you left. Relationships are wonderful when you are having fun, but once the fun stops and the problems start the bitterness and blame game often set in.0 -
jasperconran wrote: »feeling down again tonight:( OH did the usual, came in and did nothing but moan at me and DD, mostly me. It seems nothing I do is right. He has denied it before, but part of me is starting to believe that he thinks that if he makes my life as dreadful as possible, then I will be the one to leave. I could be wrong, but I dont think so. Well, it aint gonna happen! my DD wants to be with me, and sad as it is to say, she is fast losing respect for her dad and I cant blame her really.:( Oh well, hopefully I will get a good nights sleep tonight and feel better in the morning. I promise that my diary will be on a high note tommorow!!;) I must and will be strong, I can do this. I will sort OUR mess out, and then things will change around here!!
night all x
Keep your chin up lovely. Hold your head up high and be proud of how great a Mum you are and how you are (despite the negativity from OH) trying to sort out this mess. You have all our support on here.
Hope you managed to sleep ok, today is another day xxx0 -
morning all! morning, moo2moo, BLT and Choc-Addict, thanks for popping in. well, its a lovely day, the sun is shining, and.....I actually feel pretty good! bizarre! lol.
I have decided that today is the day I start making positive changes and get my butt into gear! No more wallowing in self pity, no more whinging and moaning, its time to take action!:)
I spent most of yesterday on here I think, lol and I have started to sort out this daily clicks thing. Read a few posts on it, found the sites that most of you recommend so I gonna sign up today and hopefully that will bring in some more pennies which will go towards mountain of debt we have.
I sorted thru all of DD's clothes for ebay. didnt realise she had so many! I sorted everything out into age groups and found that I have got 6 bundles of clothes to sell:j Hope I have more luck this time! I also found some CD's (never opened, Im sure my OH just doesnt know me at all!), some DVD's old and new, and I have just realised that I have got a mountain of books that I dont read anymore in good condition that I can sell:j YAY! :rotfl:how sad am I, getting excited about these things! lol.
I am going to ignore OH negative comments about selling these things, his attitude is always, not worth it, take it to charity shop, your a !!!!! blah blah blah. yeah whatever. I feel like saying, its me thats sorting out your flipping mess matey, so back off and mind your own business!!!!
Have a great day everyone and enjoy the sunshine wherever you may be:cool: I will probably pop back in later.
One last thing before I go, I just want to say a big thank you (and hugs) to all my new friends that I have found on here. Your support and kind words have made all the difference to me this week. And I know that together we will all get thru and beat our debt!!!!! xLBM: April 2009 - honest debt figure: Secured: £0.00!! (paid back april 2017) unsecured: £53117.48 (roughly):eek: back with CCCS starting again:(0 -
Hi Jasper,
So pleased that you are feeling chirpier this morning.:) Good luck with the e-baying .... I am sure you will do well. As you say every little penny counts. Just keep plodding;)
(((Hugs))
40Smxx0
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