Ztan's Shared Equity Story- MFW from the word GO

Thrifty_Pixie

oh, and have you asked your dentist for details of an emergency dentist or out-of-hours one near you?

ztan

TP I gave up with the dentist. Can't afford emergency out of hours treatment costs- the moo who hurt me should put it right for free as far as I'm concerned. It's starting to ease off, provided I'm not so tired that I spend the whole day yawning... that makes it worse.


I hear and to a point agree on your budget views. I don't have kids yet myself, so I'm unaffected by the changes however I am planning on them in the future. I know there is never a perfect time, or the right amount of money but I wont be having small people until I can afford it outright. If I need help to fund my children I wont be having them. It's my choice afterall. (really hoping not to offend anyone here )

I disagree with the government taking money away from families who do rely on those payments though, when things are tight- but we all must adjust!

I like the mortgage thing- it's a very similar deal to my own- other than that it's interest free and government funded- where as mine is only interest free for 5 years and privately funded.
It will keep the economy ticking over- if people can buy houses, builders get to build houses and everything keeps ticking along.

It could have been worse either way.

Why wont it stop raining?

ztan

Oh I forgot I'm getting back on my jewellery wagon as well.

I'm bored at work, hence rambling at you lot today.

Have got renewed vigour for my jewellery business and am going to really try and shift all of my stock and beads without buying anything else to replace it in the mean time, and then try and sell it.
Going to have to work extremely hard, but I'm incentivised to make the money so it can go in our savings pots. :cool:

QB_Wolf

Thrifty_Pixie wrote: »

the kids stuff doesn't affect me, being beautifully unfettered. however i do believe that some of the decisions made recently about child benefit, etc have been good ones. i realise that that's a very controversial belief in most circles and i am (obviously ) a child-hater, but i just don't see why people should be given money to pay for their children in most instances. i also think that if a parent chooses to stay at home and have the pleasurable experience of bringing up their own children then that's THEIR choice and we shouldn't pay for that, but if they choose to go back to work we should HELP them (note: not completely pay for them, but a contribution) to pay for the childcare to do so.

oh dear, rant over

Mmmm we decided my wife wouldn't go back to work and I'm not criticising those who choose to, there's no right or wrong, we make do on one salary and have made some sacrifices.

What I don't get is a couple can have a combined income of £98k and keep their child benefit :eek:

Alchemilla

I guess the people on 98K have made a hell of a contribution in tax terms?

QB_Wolf

Alchemilla wrote: »

I guess the people on 98K have made a hell of a contribution in tax terms?

So does the couple who have one person earning 60k but they get nothing. Not saying they should but it's hardly fair.

ztan

Morning all!

What on earth is going on? Why is it sooooo cold?

Looks like we're not camping at the end of the week unless it seriously warms up. Which is a shame because I invested in a nice fleece and proper windbreaker jacket for walking up Tors etc.
But if we don't go camping, we'll still go and do the walks we were planning on- it's the sleeping in the minus temperature which concerns me.

Not too bad a weekend for spend- unfortunately had to purchase £170 worth of road tax and this week we'll be forking out for the new tyre for the car- £60.00 bit it's all essential and covered by DOH's OT.

Only 3 day week for me, so I'm a happy :icotbaske (thats a Happy Easter Bunny)

TallGirl

Happy Easter hope you have a lovely one, sleeping in freezing temperatures would concern me too but the walks sound good.

Cars are expensive but essential.

Tilly_MFW_in_6_YRS

Morning Ztan, sounds like a good idea not to be sleeping outside - although the snow is going it's bitterly cold.

What with tax, mot, insurance and fuel costs, I am seriously wondering if we could manage with one car. I keep meaning to check the spreadsheet for total car spends in a year, then compare with using a taxi occasionally and hiring a car if needed. I am pretty certain the numbers would be a shocker.

Happy :easter_ba to you as well

Tilly x

ztan

Thanks ladies

So chuffed, I can see sunshine today! :cool:

Had my interview yesterday- that was a LONG day.
I think it went well, I should hear tomorrow whether they want me or not. I have contemplated the sheer terror of switching jobs, and I have got it sorted now. IF they do want me, as long as they're willing to offer me the middle salary from their job advert then I'll take it- because that'll make it worthwhile.

So we shall see.

Made some yummy Creme Egg cupcakes last night for my work colleagues, trying to make up for not being in on Thursday- which means it's my Friday tomorrow!

Unfortunately not a NSD due to forking out for creme eggs for cakes, but we are saving ourselves £80 by not going camping. :T