lilmissmup - the 2011 saga - staying debt free whilst starting a new life!

Shoe_Gal

:j:j happy moving in day!

lilmissmup

Thanks hun.

Move went ok, I got stressed as I hate moving and poor Simon was standing there looking terrified as I tried to control my rage....:cool:

Just need to work out where stuff is going, burning all my cds so I can just store them in the loft and clothes are all unpacked nearly, need to find a home for dvd & books.....its weird moving into a house with someone, when me and the ex moved twice putting things somewhere was easier and both of us were unpacking.

Cats are ok, Izzy has just been hauled out from under the bed as shes spent all day hiding under it but I have her next to me now and Spencer is fine, taken it all in his stride as per normal!

Simons just taken kids to there swimming lesson so I should be unpacking..... am instead on here with a can of Cider!!!

We went out in the car again today too as I have a lesson Sunday, am gonna take it out again tomorrow too, need to push myself as much as it scares me.

wendz86

Glad the move went ok as it could, at least you are there now x

lilmissmup

Last day off before back to work, shame I am awake so early but Simon had to go back to work today as he has thurs/fri off to look after kids.

Driving lesson yesterday went well I think. Nice instructor lady thinks I should be ready to retake my test May/June time.

Be lovely to have my freedom now I live here!

I have spent so much money this month I have had to take £70 out of my savings to get me through to next week as its best mates birthday Saturday so got a night out to do!

Then plan for next payday is to start smashing the £700 of my credit card as don't need to worry bout 0% one yet.

Still no clue how much monies Simon wants from me, think cos he earns 2x what I do hes worrying about asking me for cash!

wendz86

That is good on the driving, you must be doing well. Took me ages to learn.

Myself and my OH work out how much as a percentage we earn of our total earnings and then we pay the same percentage towards stuff. Is obviously slightly different as is his house and he has kids etc but you could do something similar to work out your contribution. Or just see what he thinks is a reasonable amount.

lilmissmup

Been meaning to write a post for ages but not had the chance too or been too shattered from work to write but I have today off to relax so will take this chance now!!!

Main news of the last month is that I have a new job!

Its still where I work now but a role that doesn't involve dealing with the public as much as I will be handling all the warranty claims for our dealership.

Unfortunately no payraise involved but I am getting same wage for 5 hours less a week and my boss has told me I can work until 6pm each day if I want and get overtime for it so could earn £120 extra each month if I do.

Another downside is as I won't be dealing with the public as much I won't be earning much commission but less stress involved...boss has said he has also put me on a higher bonus scheme but not sure what that entails, think it means £50 extra on bonus if we achieve it.

Once I pass my test though I will prob leave work at 5pm as my time is more precious to me......

I am feeling quite frustrated about money though. Am so skint at moment. I decided to take £800 out of my savings to clear my 18% credit card as it makes no sense paying interest on it though taking the money out my savings was still hard to do . So thats clear now apart from £14 interest to pay off.

Still got over £1600 to pay off on the 0% card though.......

I am paying Simon £580 each month to cover everything (including food) and my wage is about £1200 each month so I should have £600ish to live off but I am also paying out £188 a month in driving lessons at the moment and have £113 in direct debits going out too plus trying to save money each month (though have knocked that down to £100 a month now) so thats only £200 after all that and that includes me travelling to work either by petrol or train.....

Next payday I should be getting around £1500 due to bonuses and now my main credit card is empty I should be able to put £400 of that into my savings to get it back up again, no point paying more than minimum on 0% card, might as well just rack up some interest in savings....

Been having a few stress issues but I am gonna do another post on that in a bit as this one is long enough already!!!

lilmissmup

Time for another long entry......

Yeah so apart from being frustrated by money (cant say worried as I do have loads of savings left) life has generally be tiring this last month.

Simon's ex is on holiday this week so we have had the kids since last Friday and thats the main reason I am off work today.... for a rest!

Don't get me wrong I like his kids, they don't cause me any grief apart from calling me lazy when I try to nap (I love naps). And I have looked after them twice on my own now but its hard because they are his kids and I am not used to being round kids so much, in the evenings I just want to relax and with them around I can't really.

I know I will probably get used to it in time but its very emotionally draining at times and me and Simon had a bit of a discussion again Monday cos I was feeling so crappy. Its also started to put me off having my own kids.

Told him I feel like I am just living his life and how it annoys me that his ex can go on holiday and leave kids with us for a week but he is too scared to tell her he cant have kids for a week so we can't have a holiday.

I swear if I meet her one day I might explode.

But I am putting my foot down, asked him to check nothing is already planned for week 4th July and if not I am booking a holiday and then he will have to tell her she has to look after them for a week.

Its not that I mind the kids being here for a week, its nice for Simon even if it drains me, its just the hold she has over him still. :cool:

lilmissmup

Am in a bad mood again today, have a cold which isn't helping it but am bored and skint too and just want some time alone.

I am actually wishing I was at work.....

Am away on a course next week for 2 nights and days so will get some alone time in evenings anyway, think will do overtime next Saturday too to catch up with the work that will pile up whilst I am off.

Wondering if I made the right decision moving in though, being stuck here and not being able to go escape to spend time away from it with my friends is getting annoying too.

ziggles50

Aww babe you're just feeling a low with the cold and kids situation. being ill makes it all worse for me sometimes- i'm practically suicidal when i have a cold!:(
Once you have your licence you can plan time out and stuff so maybe focus on that a bit more and at least that will give you a feeling of freedom.
Adjusting to a new way of living is hard after the excitement wears off and reality sets in especially with the difficulties you have to face.
Hope you feel better soon:)

lilmissmup

Not sure. Think it's more than that. For the second day this week I want to be single.