twinparents07's joint diary 'doing it together'!!

Happytogetdebtfree

well done thats very good news and a relief for you both x

kavics17

Congratulations!

twindad07

Slowly paying off B & Q card.
£2.95 paid for yesterday and £4.95 paid today, hopefully it'll be paid by the end of the summer

Happytogetdebtfree

That will be a nice keep it up twin dad x

twinmum07

Thank you. Getting the job was a huge relief as it meant we would be able to make the payments again plus have extra money to put into getting rid of the debts.

Did you notice i said was a relief and would?

We had a childcare arrangement for 24 hours - woohoo! The in laws said they could do 3 days to get us out of our financial pickle. We asked many, many times were they sure, were they aware it would be 3 days every week? They were adamant they could and would do that. Our next question was - if i have any say what days could or couldn't you do? They said they could do anything at all and anything would be moved to enable that. The school I chose was waiting to see if i was coming and for how many days so they could finish the timetable on Thursday night. They had said I could pick days - I consulted the in laws and they again said any days at all - no day was better and there were no days that were worse. I told the school i could do any days they wanted Monday, Tues and Wed would be good but if it didn't fit that was fine I could do anything at all.

I spoke to the in laws last night about something else and they dropped into conversation that they can't actually do any day and they can't do Thursday at all. How the hell we were supposed to grasp from 'any day at all' that actually meant any day but Thursday?

The school will now have done the timetable and I will have to pop in on Monday and find out which days I am working but there is no way i can totally destroy their timetable by going back on what i said to them on Thursday and, if they have me down to work on a Thursday, I can't mess everybody around and have to start at a new school where everyone will think i am a total pain for causing total mayhem, not to mention the fact that it puts serious doubts in their mind about my reliability.

We could be worrying about nothing as there is a chance i might not be timetabled for Thursday but if I am then we are totally and utterly screwed. We will have to pay for a days childcare for 3 children. The fact that there is 3 of them for only 1 day a week will probably mean we can't find a childminder as it is such a high number of kids for a very short period of time so we will probably be stuck with nurseries as our only option and this will cost £110-£120 a day for the 3 of them so about half my monthly wage. i will be working 3 days but losing a day and a half pay to pay for 1 day's childcare. Beacuse I will be working 3 full days my capacity to boost my earnings is seriously dented and the business will be going downhill not up.

Best case scenario is that I am not working Thursday so all will still be good financially but at least we have seen just how easily our agreement has been broken so we know it isn't that reliable.
Worst case scenario I am working Thursday and this will mean we are financially worse off by me working. We can meet the mortgage - just but can't pay a penny on any of the cards so i guess in this case DMP isn't an option, neither would an IVA so I guess we would have to look at bankrupcy. Unenforcability would be brill but wouldn't solve the post '07 cards we can't pay a penny on.

It is going to be a stressful weekend waiting until Monday to know if this job will mean us getting out of debt or if it has actually made the situation worse and we are totally doomed. I know we are stressing when all might be well but this situation is totally crazy.

Right - off to craft in law voodoo dolls

Happytogetdebtfree

Omg what a sad thing however I'm pretty confident saying Monday Tuesday Wednesday or anyday means mon tie weds :-) so let's hope they picked that up and things will be ok. There is no worst case scenario if it's a Thursday kids get some time at nursery with other kids :-)... Let's cross the money bridge when we come to it, how soon can you start work? Keep chin up, but also consider things you could sell to get the debt reduced, why not go down the unenforcability now I'd rather that than consider br keep positive big hugs x

twindad07

Hopefully we'll find out today whether DW job will give us the extra money we need or whether we're in an even worse mess.

Happytogetdebtfree

Good luck keep us posted x

twindad07

Still don't know about what days DW will be working, the timetable is getting done at the moment, but she was able to request mon, tues and wed, it just depends whether it will fit in that way. So hopefully it will all work out just fine and we'll be able to move forward to get ourselves out of the mess we've got ourselves in.

twindad07

B&Q payments yesterday £1.32 today £4.87, Can you update your list at home please. I get paid tomorrow so any money left in my accounts tonight can also go towards the card - about a tenner I think!!!