The dog will get the bone one day.........

Itsadogslife_2

Feeling all a bit emotionally exhausted today :rotfl:

Stayed up as late as I possibly could last night to watch the opening ceremy, feeling very patriotic and proud. Switched on this morning, by lunchtime I am a little bored of sport - but I AM going to make an efffort to pay lots of attention

This afternoon we went to the cinema as we were child free to watch the Dark Knight Rises. I absolutely LOVE these three batman films. I think I might just love Christian Bale slightly, and after today perhaps Anne Hathaway too :rotfl: But I was gobsmacked at the price of the tickets £8.10 for one adult :eek: cripes! Now I know why I normally go on Orange Wednesday.

If it wasn't for the pooch this month I would have been in the single figure thousands instead of double. But she needed to have her spay operation which was £150.00. Still managed to over pay by £300.00 though which is great.

Little Itsa has been on her hols with the inlaws for a week so it has been really weird being just me and Mr Itsa. I missed her loads whilst she was away - she has been back only a few hours and she is already driving me nuts. Whilst she has been away I have realised that she actually never shuts up. As soon as she came back, she just chats chats chats chats all the time - I think I will need to make a list of "things" we can be doing over the next few weeks to try and keep her entertained

Hope everyone is having a nice weekend

banwa

Lo Itsa, love your shiny signature, well done on everything. £10k! it will be gone in no time at all

Amazing:T

HappyNow

Oh wow, below £10K next month!!! Go you!

Itsadogslife_2

Hi guys,

Hope everyone is being good and managing over the summer holidays to stay on track! :money:

I have been really good with my budgeting - I have also worked like a dog the past two months and so have invoiced at least an extra £100.00 per month for the past two months which has come in useful for the outgoings I was expecting.

We closed an old account of OH's with Santander that had £70.00 in so I took the cash off him and exchanged it straight away into euros for our holiday at the end of September. I think I will probably need to add about a hundred pound (which I have in a savings account already), and we should have plenty for the week. I will cook at the villa for half of the week and the in laws will probably treat us a couple of times as well.

The biggest thing that has happened to us in the last month though is the in laws (well particularly step father), has set up a loan agreement with us and has paid off all of our debts :eek:Instead of owing any banks or financial institutions, I now only owe him the grand total of £9,600.00. We have agreed a repayment plan of £400.00 per month for 2 years so I have now got my DFD 1st August 2014 is the date of the last payment. There is no interest and the amount will be coming down in great steps. We are so lucky and I am so grateful for the massive help.

We are hoping to remortgage when the debts have all cleared and put the mortgage onto complete repayment rather than part interest only and we can start to increase the amount of equity in our house. I finally feel like we have the upper hand on the situation

I kind of sometimes feel bad coming here as it looks like I have flown through parts of this journey - I think the biggest things it has shown me is that I think we would have been here for 10 years or more had it not been for the generousity of my step father and my dear deceased grandmother's inheritance.

I need to stay focussed for the next 24 months so will make sure I update more regularly - £400.00 per month is a lot to commit to and doesn't leave much room, but i just want it gone and we have been managing to pay £350.00 at least for a few months now so I don't see why we can't keep up that momentum.

Hope everyone else is having a pleasant bank holiday - I went to see my other in laws this weekend in Somerset and it rained nearly every day we were there. The pooches, Little Itsa and me and Mr Itsa got thoroughly drenched as we went out in waterproofs determined not to let a bit of torrential rain on the Quantocks ruin our day

mum2one

That is absolutely brilliant and so nice of father in law, at least you know every penny going back is off the debt and not interest.

Good for you with the money for the euros, all helps out. xx

Itsadogslife_2

Well my signature is finally down into the single thousands :j

It kind of feels a bit weird, like I am cheating that I no longer owe any financial institutions any money, only my FIL. I have been cancelling the credit cards along the way and it amazes me how difficult it is - my OH phoned Barclaycard and spent ages trying to cancel his account whereby they pleaded with him not to shut it, tried to offer him this that and the other and in the end credited the account with £40.00 :mad: They really don't want people to be debt free, well I will spend that £40.00 and then he will be phoning back to close it

Trying to pay the balances has been difficult as well as I think nearly every card owes me now - one of them owes me £25.00 as they took the minimum payment after I had paid the balance :mad:

My biggest problem is this incessant inability to feel content. I seem to have to have something going on. I flit from idea to idea, I want another dog, I want to move house, I want a new car, I want to decorate a room. I know it is potty but I just don't seem to be able to be content with what I have (which is probably a big part of how we got here in the first place ). Keep looking at houses on the internet at the moment - when I think about it rationally, there is nothing wrong with the bloomin house I have :cool:

Things may be a little tight on the money front over the next 2 months as I am on holiday for a week in 3.5 weeks time. This poses the problem of a) having to have some spending money (which is pretty much sorted with the Euros I already have and the savings I have ready), and b) I will be having one week off work which means one week of work less to invoice. So I will be concentrating on spending as little as possible on the weekly shopping to make up for it, eating out of the freezer (which is full of meat, really I shouldn't be buying any meat for a good couple of weeks - it's just a case of trying to remember to get it out of the freezer to defrost ). And I am going to list a couple of things on good old fleabay. I have a printer that can go as I have a newer one from work.

Still holding out on putting the heating back on - but the other day I was bloomin freezing and could easily have succumbed had I had a push button central heating system rather than stoopid storage heaters. Time for all my jumpers and hoodies to come back out me thinks

Hope everybody is having a good weekend :beer:

Alice_in_Poorland

That's great news about you being down to single figures. Don't feel guilty about how you got there, at the end of the day you will pay back your SFIL and the banks haven't got any extra interest.

The CC companies are a different breed aren't they. Enjoy spending their £40.

We're going to hold out putting the central heating on for as long as possible (unless we have visitors - keeping up appearances and all that!!) so it will be extra jumpers all round. xx

happy_but_skint

Hi Itsa
Just popping in to say Hi. Your FIL is very generous and at least your not paying the predators anymore! Dont feel guilty for getting where you are. x

banwa

Where are you Itsa?