Move mortgage mountain project

vandanfc

Hi J, good to hear from you. Well done on mortgage swap, it will all add up in the end so make the best of it while you can. I think that it is best not to worry about the party, until it becomes a reality, then you will just have to wait and see and be ready to pick up the pieces if required. As regards the drinking, I know you are concerned that she will turn out like her dad, but you cannot change what she may have learnt by her fathers behaviour. What you can do though is show that you are not afraid of booze and that used in moderation it isn't a big thing. By disapproving very loudly, you are giving her something else to battle you over. Yes you need to show her that you do not like it, but try not to make it a huge thing, ie you would rather she didn't drink, BUT if she has to a little is ok every now and then. Maybe I am to liberal in my ways, but I think that if something is no longer a forbidden fruit, it will lose its appeal.

Sepa74

Hi Juliff, things sound a bit calmer for you, which must be such a relief!

It must be really hard to watch your daughter's judgement be affected by their father's attitude to things like alcohol and finances. However they are starting to get to the age where they will be able to see the consequences of their father's actions, contrast it to the consequences of yours, and make their own judgements about how to live their own lives.

julliff

Hi All

Thanks for your replies.

As I say, I feel I have all I can do in regard to DD1 and the alcohol issue. All I can do now is hope that she makes good choices. Worrying about it endlessly will achieve nothing, but make me ill. Apprently, X is allowing DD1 to have a party at his place! I am amazed by this, as he is so,so precious about his stuff, I can't believe he is willing to have a bunch of teenagers over. Still, I am confident that he will not vacate the premises, so at least there will be an adult (!) there.

Had a reply from the tax office. They rejected my appeal against repaying what they regard as an overpayment, but they have agreed to reduce it from £234 to £117 - so I suppose it is a small victory. I can't decide whether to allow them to go after X for half of it - he will go ballistic. Anyway, it is a lesson to be learned. The reason they have decided I have been overpaid is because when X moved out in Feb 10, I rang them up to tell them. They asked me when we stopped living together as a couple. I said August 2009, just because that is when I went to the solicitors to start divorce proceedings. In actual fact, I was still supporting him, so I was "financially" in a couple, but not biblically!

Have now put aside enough to cover my 0% CC, which runs out in May. Have decided that I will pay it off at the end of March, after the account into which I have beenputting aside the money, pays it's interest.

am going to do a bit of analysis tonight, to see if my monthly grocery spend is going up or down! Not really sure.

julliff

I think I need to change my signature - not much carpe dium going on - I just seem to work, food shop, and other housework. Am becoming a recluse outside of work :-(

julliff

Well,

Funny how things go, after posting I got two invitations! One to a 40th birthday party, and one for a meal with my old workmates! So March is looking a bit brighter already. Oh yes, and I got tickets to see Harry Hill later in the year.

It looks like my mortgage move is happening, as the early repayment charge has been taken. It was £300 less than I was quoted a few weeks ago. Result! I haven't had a letter confirming it though. Once I've got that, I want tomake an initial overpayment of £3000,that will feel good!

Have been working stupid hours lately. An email cam eround telling us that they are not going to approve leave in March, April or May. and they want weekend working. As I am on a day rate, I get no exrta money if I stay late, but at least if I do a Saturday or Sunday, I get paid for it.

HAve decided I must lose weight. I weighed myself in the week, and I am my heaviest ever (even more than when I was fulll term pregnant!). I have loads o clothes in my wardrobe that have never been worn, because they were a bittight, so the added (mfw) benefit will be that I get some new things to wear,without spending any extra.

Went on the Wii fitness trainer a couple of times, and I managed to get out for a couple iof 30min walk at lunchtime, but it sort of fell away towards the end of the week, as I couldn't take a lunchbreak,and I was shattered when I got home. I also ended up going to the chip shop last night,as I got home so late and DD2 had been on her own since 1.30pm! Anyway, I would like to lose about 2 stone by the summer.

SmlSave

Yay for the mortgage move and party invitations I find we'll have quiet months when we don't go out and then suddenly its non stop for a month!

Boo to work!

Lots of luck with the weight loss and keep up the motivation with the exercise!

Primrose

julliff - looks like your mortgage move is going to prove very timely with increases in the bank rate being threatened at any time now. And your £3000 overpayment will be a good kick-start.

As to your weight problem, I think we're all suffering from that after a winter of inactivity. If you can discipline yourself to a short lunchtime walk, even if it's only 15 minutes while you eat a sandwich or an apple, it might help you feel a little more energised to get through the afternoon. I spent too many years chained to my desk eating my lunch whilst working and I know it didn't do me any good at all as the air in offices, even if they're reconditioned, is nowhere as invigorating as a brief session in the fresh air. Occasionally I'd have a "fruit only" day too and found that this helped to reduce that bloated weight feeling when things were burgeonning out of control.

Secret_Saving_Squirrel

Good news about the invitations, and as one invitation often leads to another, you will find yourself in a social whirl in a month or so! Have a good weekend,

Squirrel:j

julliff

I have not updated this diary for so long - as always, struggling to find time and energy!

Well, car failed it's MOT and it cost me £400 to put right :eek:. That coupled with prom dress/ski trips, DD1 birthday has made my MFW quest a bit lacklustre of late.

On the plus side, I recieved a £50 amazon voucher from my accountants for a recommendation, £22.31 from Quidco, and my usual £5 Halifax reward.

I also recieved a letter from HSBC telling me that if I maintain my current overpayments, I will shave 6 years off my term! Hope I can keep it up!

Work is still crazy, and we are being put under more and more pressure, lunch breaks are a dim and distant memory! Suppose I should just be glad to have work.

DD1 continues to be Jeckyll & Hyde. We were out looking at prom dresses, and out of the blue she tell me that I cannot come to her best friends house where they will all be getting ready for prom, to see her leave in dress & limo, as if I went, she would have to ask her Dad, and the atmosphere will be bad. Feel gutted about this, would love to see her going off. Life feels so unfair.

January20

It's good to hear from you Juliff!
Sorry life is a bit tough on you at the moment
I wish I could shake your dd and talk some sense into her for you. One day she will have a child of her own and she will understand how unfair she was to you. (well, that's what I say to myself when my dd says something unkind to me)

Keep your chin up. It will get easier.