I have done nothing yet but writting here is the only way that will make me do stg...

Determined_2b_Debt_Free

Want_to_be_free wrote: »

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oh so sorry I did not reply to you before, to many things on the go and I am trying very hard at the moment so sometimes I am forgetting things:cool:

LOL My mum does not live abroad I do :rotfl:
I was married to an English man who agreed to stayed with me in my country first then changed his mind after getting married... In attempt to save the marriage I moved to UK. Unfortunately our marriage collapsed after learning that he had an affair when I was in US and had a baby...So I left him but at the time I had our baby too...In order to have a life, and future for me and my son -I started working full time when my son was 6 months old. I was thinking that I would go back to my country but I didn't know when..Along the line I made friends , enjoyed my work, my son got into routine , which is very important for ASD children, and fell in love with English Countryside... Although I am a foreigner, I think of mysef British, some cases more Brit then many... But off course my accent will give me away, or in this case maybe my grammer and spelling :D

So when I go to visit my parents, it gets vey tiring because all my relative wants a piece of me. I have to visit them all:o Not complaning though, it is lovely to see everyone but sometimes I come home from my parents and i feel like I really need a holiday:rotfl:

I will let you know with car boot , although not so sure where to go just yet

Oh I see . Yes I appreciate how difficult that must be, maybe you should go off for an extra week just you and your son - and go off to a different part of the country for a break .

Anyway, don't apologise for not replying, you've enough to do!

The last car boot I did was about 3 years ago when we moved I think, we decided we wouldn't come home with anything so sold everything off really cheap, we had a tiny bit left which we dropped off at a charity shop. I think we made about £100 which was great - plus we got rid of loads of junk :T If you do manage to do it, great - it's a bank holiday so if the weather is good it'll probably be heaving. If not, don't worry, there's always the websites like you've been using.

:beer:

Want_to_be_free

Good news, my mum called me and she said she would like to buy me a ticket so I can go and see her next week or the week after. Although this is rather embarrassing for me, she said under the normal circumstances she would come to see me but at the moment because of my nana she cannot travel, so she insisted on paying for my ticket. God Bless her and my dad. I am so lucky to have such a great parents and I know one day when I am in a better financial position, I will help them again...

Bad news is tomorrow is my late partner's inquest; I am dreading it, truly dreading it because of the circumstances around his death. Death is never easy especially if you truly love somebody and I loved him truly. Today and most days I find it too difficult to be without him. At the same time, I get mad at him for taking his life… I get mad at him for hiding things from me …I shall not be mad at the dead man. I cannot find a positive note to add here I am afraid except life really goes on....

jtr2803

I bet the ticket is an absolute weight off your shoulders and what a lovely thing for your parents to do

I don't really know what to say about the inquest and the death of your partner but I understand it can't be easy. Will be thinking of you and hope it goes as well as possible given the circumstances x

moo2moo

Hallooo.... I am still reading, its just I find it rather awkard to type and eat a bowl of cerals without getting milk on the keyboard. This is just one of my many truly awful habits.

Having parents overseas must be as fabulous as it is awful. Being able to go and visit for a few weeks holiday is nothing compared to being able to pop round and see them as and when you feel the need. For all that I think the further my parents are away the closer I am to them, not least because they never turn up out of the blue when the house is a major disaster zone compared to its usual state of disarray. We're fortunate in that OHs mum lives several lightyears drive and a ferry crossing away but owns a humungous hotel so theres never a shortage of rooms to stay in but going to see her is a military operation in itself and if we make the mistake of visiting when the sun is shining we never get to see her cos shes too busy working. Mind you thats not a bad thing either.

Can't remember how old your son is but I'm sure you know about the 95p weekend and school holiday specials at the cinema. Obviously theres minimal chocie of film but they do seem to be pretty recent.

Vue

Odeon

Showcase have one too but you need to register via their website

Hope the inquest wasn't too painful.

Choc-addict

Hello,

Just wanted to post and say that you are doing amazing considering what life has dealt you. I've read your thread from beginning to end, you've had some fab advice and have already taken such great positive steps.

I hope you are ok after the inquest, very hard for you. I had a friend in similar place to you, her husband took his own life and lots of things were found out after the incident - I wish you all the best in life and hope that the future can bring you much happiness- meanwhile we're all here to support you on your way to debt freedom!!!! :)xx

OrangeFairy

:(:(:(:( to your partners inquest. I understand you must feel pretty down about it. :(:(:(

Great news on the positive side about your Mum paying for your ticket. What great parents you have. I hope you are able to put the inquest behind you and look forward to time with your family x

Want_to_be_free

Dear all thank you very much for your kind messages... I had a bit off stress last few days hence did not enter into my diary... But back to business now:)

Here is the quick update;

1. I am going to go to an interview with the Air show people on the 16th May- if it happens, and I think will happen, I will use my holiday from my regular work and work at the air show for one week including Sunday. This means I cannot take my mum's ticket offer as it is exactly the same week... Mum will be upset, hopefully she will understand that I need to pay my debts before I go mad...Instead I might go and see her in September when tickets are cheaper...The daily pay is £80 – Does anybody know how much tax do I have to pay on this considering I already have a full time job?

2. And finally… I am the proud owner for a savings account... Well, I know while I am in debt, I shall not have savings account and put all my money into clearing my debts. But I have to save up for a car; I will have to get another car in August 2011. This is a must- I enrolled the visual pot challenge earlier so far £9.98 is in my savings account which will go towards to the car...

3. By the way, I asked and offered for a loan APR is 16 %, better rate then Halifax horrible CC... However I need to see all the details before I go through with it...I really don't want to do official Debt Management but tomorrow morning I am with CAB- they will advise me what to do or rather what is best for me to do...


4. Apart from all these I am too tired and did not do any car boot at the weekend... Instead I spent as if there is no tomorrow... God save me... My shopping is ok as I have £250 budget and spent about £120, this is good because all I need to buy is weekly bread which costs about 40 to 50 pence max, milk and salad stuff...I think I will not spend £250 , God I normally spend £350…

5. I also reduced my bra expense; I got 2 new bras from M&S, each costing £12... Well maybe not so money saving but definitely boobs saving

6. I took my cat to Vet too I am jumping up and down as I have £11 in my pocket , just because I picked up the phone and made few price checks...

There is one unplanned cost though... There is a Asperger related seminar at Oxford University, costing £180- I first said I wouldn't go, therefore I did not budget it. After careful considerations, I decided to attend the seminar because the topics are

**Adolescent Issues for Teenagers with Asperger's syndrome
**Strategies to improve Social Understanding &friendship

To justify it I am only going for 1 day and paid £100 instead... I really had to think about this because money is so tight and any extra should go towards debt. I also attend many free seminars run by Autism Society but this particular one is led by Dr Tony Attwood who is and Australian and the leading expert in the word.

If anyone is interested in you can go to following link www.autismoxford.org.uk and go to seminar and conferences on the left hand site.

I have to reduce my debt info from my signature as I paid quite a lot towards my debt as I got paid last Friday but that would be tonight…

I hope you are all doing well, I am not doing as well as I would like to but I am really trying, and so far I had so many NSD - However I started again this month so tomorrow and Wednesday is going to be NSD …


Bye for now, got to go and meet social services for my boy- And have to work in between all these meetings, money saving, cleaning etc… Just tooooooo tired…

Determined_2b_Debt_Free

Hi WTBF!

I think you're doing amazingly despite your doubts, sometimes even in debt busting there are still things you need to buy that will be overbudget.

Not sure if it helps but I did the 'count' for the general election last month, the fee was £100 and I just got payment for £80 so that was £20 in taxes (I also have a f/t job). Might give you a rough idea??

Real shame about the ticket though.

I really hope you were ok after the inquest, that must have been so difficult. I love your positivity despite what you've been dealt.

Have a great week.

Want_to_be_free

I went to CAB this morning, I am really upset because they could have told me what they told me over the phone- It was waste of my time and I am really time poor as well as money:mad:

To worn others , if you have £250 or more after you pay your priority debts , then CAB does not help you. They tell you go to PayPlan. Your priority debts are mortgage, water, gas , electricty bills, anything you need to pay back to government such as over paid tax credits etc... But credit cards and loans are not primary debts...

Well I already knew what is priority what is not , thanks to this site but I did not know about this £250 limit...Anyway I already called the Pay Plan and I am truly dreading it , but once it is done - all will be worth it:)

Want_to_be_free

Dear Determined 2b Debt Free, thank you for your kind encouragement and also tip about tax- so I guess it will be around 20 % mark. It is ok - it is really little money but anything helps.

I am annoyed with myself for being in debt in the first place. I consider myself 'clever' well maybe not so clever after all:mad: But you see if I start thinking like that I will get upset and won't be able to action- I must action now for the future...Like all of us here. I will always say 'There is nothing special about me, just a little star :T