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fighting my way out of the misery, moody,mayhem muddle.

1568101135

Comments

  • I have a yahoo mail address, if you ever have 5 minutes and want to chat in real time ?

    :)
    Do I need this or just want it.
    If you always do what you always do...You will get what you always get.
    Debt Free since 16/12/10
    Starting Weight 14-7 Current 13-7-0 total -14lb
  • Not sure if i am allowed to advertise other sites ? I have come across a site that shows you how to make a "Household Note Book" I am well impressed. It also gives you all the templates to print for free too they include.

    meal planners
    to do list
    telephone list
    calendar and lots and lots more

    I am printing off at the moment and have my file already to put them in.

    Just wanted to share......for those as unorganized as me

    I will PM anyone who wants the details as not sure if I can put them on here

    :)
    Do I need this or just want it.
    If you always do what you always do...You will get what you always get.
    Debt Free since 16/12/10
    Starting Weight 14-7 Current 13-7-0 total -14lb
  • They have a Christmas planner too :j:j:j

    I am so excited.........I am going to be all organized

    :)
    Do I need this or just want it.
    If you always do what you always do...You will get what you always get.
    Debt Free since 16/12/10
    Starting Weight 14-7 Current 13-7-0 total -14lb
  • robsmum_2
    robsmum_2 Posts: 1,753 Forumite
    BlueJeans: I'm in Suffolk. Would love to chat in real time will PM you my email address.

    What a pain about the pawnshop - that doesn't make sense. You pawn because you need money then, but to be charged at the time(???)

    We do seem to have a lot in common.:j

    Been to work this morning, now just got to make quiches (from free eggs), Rag doll hair, and 15 minute
    tidying around.
    Good job nothing to urgent today as legs have gone M.E.ish on me today.
    Debt at start of DMP 1/6/09: £2942 - £1942
    Buffer Zone 1; £84 -
    £2 saving plan:-
  • rainbow81
    rainbow81 Posts: 400 Forumite
    Part of the Furniture Combo Breaker
    Hi Robsmum
    I read through all of your diary yesterday, (and then went off to research ME a bit) you are doing so well. I moan about having no energy but I have very little idea of what that really means.
    I don't know if your weekly wage used to be more or if the £84 is typical for you but if I'm right then it is below the NI threshold anyway. I did an accountancy course a few years ago and it was only paid on incomes of over £95 a week then. Presumably the threshold will have gone up since.

    R x
  • robsmum_2
    robsmum_2 Posts: 1,753 Forumite
    Hi Rainbow,
    Welcome to my diary. Thank you for your comments about NI. I used to work 16 hours for them and 18 months ago they reduced my hours to 12, According to NI lot I am still liable for NI contributions - but now wonder if they still think I'm working 16 hours. Must check into that - but it's one of the things that is daunting with M.E. It seems to be we don't cope with uncertainty very well.
    Debt at start of DMP 1/6/09: £2942 - £1942
    Buffer Zone 1; £84 -
    £2 saving plan:-
  • beanielou
    beanielou Posts: 96,186 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    http://www.hmrc.gov.uk/rates/nic.htm

    Hopefully this may help.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • robsmum_2
    robsmum_2 Posts: 1,753 Forumite
    Beanielou:
    Thank you so much for the link, I will look into that properly at the weekend.
    Debt at start of DMP 1/6/09: £2942 - £1942
    Buffer Zone 1; £84 -
    £2 saving plan:-
  • robsmum_2
    robsmum_2 Posts: 1,753 Forumite
    Day off today and must make a start soon on housework blitz.
    Had what seemed like a really good interview yesterday for a personal assistant(care) job, for a young lady at university - positive vibes please as I would love this job. Will know in the next few days.;)

    Money beginning to get back onto an even keel - still playing catch up from my lapse but have been able to earn a bit extra which helps. There should be a bit extra this week also:j.

    Right time to make a start!
    Debt at start of DMP 1/6/09: £2942 - £1942
    Buffer Zone 1; £84 -
    £2 saving plan:-
  • Hiya, ooh fingers and everything else crossed for you on the job interview.
    Things sounding positive at the moment......long may it last :j

    :)
    Do I need this or just want it.
    If you always do what you always do...You will get what you always get.
    Debt Free since 16/12/10
    Starting Weight 14-7 Current 13-7-0 total -14lb
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