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Pap's Productive Project
Comments
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Point taken
Will be interesting to see how your little bro gets on in the real world!!!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.0 -
Well thats the prob Beanie, he is borrowing from Mum monthly, but I am not going there... So Mum has been paid and I have just juggled her money. The prob comes where the £90 she was supposed to be paid back to me will not be coming this month. Same old, same old...
So basically after paying only one weeks rent and clearing the debt to virgin she has £89 for food/ciggarettes etc. I have got her to make a list of whats in the cupboards and we are going shopping tonight to try and spend as little as possible.
My rent this month has gone up to cover the two weeks missing rent and I have to clear what she borrowed on my CC. Thankfully the dog chewed my card up so once its clear I am closing it so that form of credit isn't avalible to her/me anymore. So my outgoings are now £757.20 this month which leaves me £92.80 to play with. I will order my lightbulbs for my car and my wipers (£11.22) which will leave me a £81.58 buffer to get me through the month. No money will go to Argos this month unless I get payed any extra but any left over buffer will go to Argos on the 14th October.
Another NSA month :rotfl:0 -
Words flipping fail me TBHI 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.0 -
Words flipping fail me TBH
I am hoping its just a end of the year thing and in January she will be back on her feet. Just a real pain to be honest, I have also payed for a birthday gift for next month which she wants to add her name to as wellI think the mixture of her stepping down in her job and being unwell for 2 months hasn't helped but thats life.
As it stands my CC will be cleared Sep and Argos will be cleared Oct. I then have Nov to cover xmas. It will come at a cost though and no saves will be put asside for my carWill just have to hope that nothing goes wrong with it... If it does I will have no choice but to take it off the road. I will then have to buckle down Jan-May to put asside every penny for my car insurace or I can see me having to pay that monthly.
My dream of clearing the loan is now never likely to happen as I only have abut 6month left until my year is up. However after my insurance is payed I am determind to overpay it.... I know what cause this all, London! I know I shouldnt regret that as I have wanted to go for at least 8yrs but it was the catalist as thats what Mum ran up the debt on my CC for, which I have repayed. No holiday next year for us!0 -
Oh hadent realised that your mum had stepped down in her job.
Just as well she has no debt other than to you.
Dont regret London.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.0 -
Oh hadent realised that your mum had stepped down in her job.
Just as well she has no debt other than to you.
Dont regret London.
Yeah her arthritis got really bad and she had to kep going to hospital for scans/injections. So it was easier for her to step down as she wasn't walking all day but sat down instead. So whereas she was taking home £1000 her take home is now simaler to mine. Well thats it, I dread to think if we had other creditors to think about, at least I won't be knocking on our door ceasing goodsI don't I regret not taking money off Mum to save it for her to take, instead I was used again as a live in cash machine.
I pledge now never to lend to Mum again (unless its to pay for rent or c/t which directly effects me) and I pledge to have savings by this time next yearWhen you are at your deepest darkest low the only way is up
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Pap~I am so sorry that you are having to deal with this sort of stuff yet again.Will take you up on your pledge though.
Keep plodding hun and keep being the lovely person that you are:AI 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.0 -
Your council tax is high.
When will you find out about the Virgin being reduced.
As that is a real killer.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.0 -
I echo what Beanie says about the council tax - that's more than mine is and I'm in band E.0
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Your brother sounds like mine PAP - they are a pain aren't they!No longer using this account for new posts from 20130
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