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determined to be debtfree!
Comments
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Great news on the tennants. Hopefully you will get a nice evening in with DH soon xElectric and Gas Predators 17/£700:j:j:j October make £10 a day challenge :j:j:j£155/£3100
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It's the weekend :j
Up at 7am today (after feeding kids crisps at 6am just so i could get some more shut eye)
I've got jobs to do today but not really sure I can be bothered with any of them. :rotfl:
Yesterday I spent the afternoon checking out ISBN numbers on amazon trade in & ebay :rotfl:(that was super duper fun) and ended up with 15 text books to go to oxfam (already dropped off :j) and i have a small pile of books that are worth more than £0.99 that i have kept to sell (prob next year now though)
So i have gained some floor space in the bedroom :T wohoo. Next job is to go through the ebay basket and sell or get rid of at charity shop, everything that is in there BEFORE christmas!
I have one bid on one of my 5 items on ebay. :T So £7 already. 13 watchers and 8 hours left so hoping i will get a few more bids yet.
Have been thinking about goals for 2012.- I want to half my debt :eek:
- I want to lose at least half a stone (after christmas this will probably be at least one stone
)
- I want to have £2.5 k in savings by the end of the year
- I want christmas next year to be at least half paid for through surveys, ebay etc.
- I want to keep my house rented out for the whole year
- I want to pay for holidays on the least amount of money possible (thinking a few sun holidays will do) and the money i have been putting aside for 'holiday fund' each month can then go towards my emergency pot
- I want my house completely de-cluttered of stuff we don't need/use/want anymore :T
but you've got to start somewhere, eh :cool:
22 days to christmas :A and 5 more sleeps until big son comes home for christmas :jMORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. Aug-£200.
Total- £1362.23
Goal pay off 1% of current mortgage in 1 year. £1650
EF- first goal £300
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I like the Christmas tree in your signature. :T
Reading your goals has motivated me to start thinking about setting some goals for myself for 2012 and to get a mindset where I stick to them to the letter. :T
Trust your day has gone well and I have just printed an application form for the Post Office card you mentioned on my thread.
Thanks for all your support.June 16 Mortgage Amount £82,896.15
Official mortgage end date August 2027
Current rate 2.59% until August 20200 -
I must too set some goals - maybe 1st should be to update my own diary as i seem to leave it a while before posting.
Hope you had a good dayMe, DD1 19, DS 17, DD2 14, Debt Free 04/18, Single Mum since 11/19
Debt £2547.60 / £2547.600 -
Hi all,
Looking for some reassurance, I've had an awful morning. I woke up to find I had missed 2 texts from DS1 - threatening to harm himself. He had sent them last night at 11.30 ( I was sleeping so missed them)
I called him straight away but he was at chapel. So I emailed his house mistress (one in charge of pastoral care for all the boys) and she called me straight away. I've told her that it seems to me that he may be going the same way as I did at his age....the big D (epression). And everyone mis-took it for hormonal changes -which may or may not have triggered it for me. So i've asked her to make an appointment for the counsellor there. We've also agreed that he can have use of the 'quiet room' as often as he likes during the day. He finds loud, noisey, bustling situations very overwhelming. He always has done.
He also thinks his teachers all hate him and talk about him (paranoia!) and i've now told her this. He also will tell everyone he is fine, when really he is not. I'm seriously worried & upset that he has depression. I know what a debilitating 'disease/illness' what ever you wish to name it, is. I really feel it is my fault. It runs in my family and members of family have been committed (to an institution) as well as committed suicide. He has shown tendancies towards depression for many years now and i've turned a blind eye hoping i was wrong. How can one little boy be so unhappyI am feeling a huge failure right now and still battle with my depression daily so i know he needs to face it head on now.
He told me he hated me (expected from a 13 year old) when i told him i would like him to see a counsellor and that i had spoken to matron.
I don't know whether to pull him from the school and put him in one here so i can watch him ... or leave him there where he has lots of friends, very good counsellors & teachers and he seems happy when he's not having a 'black' day....I feel awful for leaving him there but he keeps insisting he wants to stay as he knows it is the best school around there and has done so well to get in there. Oh I don't know what to do, I feel torn. Do i let him stay or do I take him out.:(
It's dh's b-day too.MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. Aug-£200.
Total- £1362.23
Goal pay off 1% of current mortgage in 1 year. £1650
EF- first goal £300
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debtfreewannabe321 wrote: »Hi all,
Looking for some reassurance, I've had an awful morning. I woke up to find I had missed 2 texts from DS1 - threatening to harm himself. He had sent them last night at 11.30 ( I was sleeping so missed them)
I called him straight away but he was at chapel. So I emailed his house mistress (one in charge of pastoral care for all the boys) and she called me straight away. I've told her that it seems to me that he may be going the same way as I did at his age....the big D (epression). And everyone mis-took it for hormonal changes -which may or may not have triggered it for me. So i've asked her to make an appointment for the counsellor there. We've also agreed that he can have use of the 'quiet room' as often as he likes during the day. He finds loud, noisey, bustling situations very overwhelming. He always has done.
He also thinks his teachers all hate him and talk about him (paranoia!) and i've now told her this. He also will tell everyone he is fine, when really he is not. I'm seriously worried & upset that he has depression. I know what a debilitating 'disease/illness' what ever you wish to name it, is. I really feel it is my fault. It runs in my family and members of family have been committed (to an institution) as well as committed suicide. He has shown tendancies towards depression for many years now and i've turned a blind eye hoping i was wrong. How can one little boy be so unhappyI am feeling a huge failure right now and still battle with my depression daily so i know he needs to face it head on now.
He told me he hated me (expected from a 13 year old) when i told him i would like him to see a counsellor and that i had spoken to matron.
I don't know whether to pull him from the school and put him in one here so i can watch him ... or leave him there where he has lots of friends, very good counsellors & teachers and he seems happy when he's not having a 'black' day....I feel awful for leaving him there but he keeps insisting he wants to stay as he knows it is the best school around there and has done so well to get in there. Oh I don't know what to do, I feel torn. Do i let him stay or do I take him out.:(
It's dh's b-day too.
If you managed to get through it with little support, he will too. Plus, he has a Mum who fully understands and can give him the right support. I think you need to let him stay where he is too, especially if this is what he wants.
You are doing all the right things.
Banwa:)Debt £26k 18/10/140 -
grr tried to reply twice now and it has deleted my post!
Thank you so much banwa, i feel a bit better about it now and am just browsing google for help with how to deal with it without doing the pill approach that i seem to be stuck in a cycle of!your reply means a lot so thank you xx
MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. Aug-£200.
Total- £1362.23
Goal pay off 1% of current mortgage in 1 year. £1650
EF- first goal £300
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i have only just caught up with everything. I hope you and DS are feeling a little better. It must have really scared you. At least you know what he is going through and can help him through it. Well done for telling the matron now rather than later, at least you know they will now be keeping a closer eye on him, and will spot the signs if things get bad again.
He is home soon so perhaps have a talk about school then as he is happy to stay at the moment.Me, DD1 19, DS 17, DD2 14, Debt Free 04/18, Single Mum since 11/19
Debt £2547.60 / £2547.600 -
i have only just caught up with everything. I hope you and DS are feeling a little better. It must have really scared you. At least you know what he is going through and can help him through it. Well done for telling the matron now rather than later, at least you know they will now be keeping a closer eye on him, and will spot the signs if things get bad again.
He is home soon so perhaps have a talk about school then as he is happy to stay at the moment.
Thank you slmI was very scared, he reminds me of me at that age (well i was a little older) and i had all sorts of things running through my mind so i know what he's going through and it's not nice. I really don't want to get him on tablets if we can help it, so i think a counsellor is good and i'm so glad they can fit him in on the first week back at school :T
Matron was happy i had told her, apparantly other boys have threatened things before to their parents and their parents have just ignored it :eek:
Maybe i react a little too muchi'd rather do that then be sorry though!
He's home on Thursday so hopefully we'll chat over christmas. I expect he is feeling better already though as when i have huge outbursts like he just did I always feel on top of the world for about a week after having got everything off my chest. So i'm expecting him to do the same really! Kids eh, who ever said having them was easy!
:AMORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. Aug-£200.
Total- £1362.23
Goal pay off 1% of current mortgage in 1 year. £1650
EF- first goal £300
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Hi DFW
I'm sorry I've just caught up with your thread. It sounds like the school are handling the situation well for you. He'll be home soon and you'll be able to keep an eye on him. If he's wanting to stay at school why don't you leave it for now and review the situation when he goes back in January.
Sending you a big hug xxx0
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