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Thanks and shame I wasnt in a position then to make a break. Thanks for that, I will send my details off and then I will get it paid and draw a line under it.
Thanks to you all for help. I am useless really!Trying to shift that debt!0 -
You are not uselessI 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 -
MFiT-T4 Member No. 96 - 2022 is my MF goal
Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T0 -
Course you're not useless. Just difficult sometimes to see the wood for the trees wehn you are in amongst it xx5 Year plan. April 2020 to June 2025- CC and mortgage free by time I'm 60
Currently CC £23,674.36 /£14,895.41/£14315.42
Mortgage £28,214.65/ £26,254.71/ £25,746.43
By end 2020 I want CC at £ 19,000.00.
By end 2021 I want CC at £10,000.000 -
Well, I appreciate everyones help with this. Workie ticket and Mandz, thanks for sharing your experiences with Welcome. Its good to know how other people have been dealt with.
And everyone else who told me off... I will (try to) behave!
My best bet is going to be continue paying and pay it off as soon as I possibly can!Trying to shift that debt!0 -
This journey is becoming a real uphill struggle on the first leg. We are day 2 into our new regime and my mettle is being tested with some work issues.
Now last year as you all know, I went rather hatstand. Potty, unstable, you name it I was all of that and more. The result was I fell off the DFW wagon and added more debt. I was barking, in my defense.
After a suicide attempt and a diagnosis of post natal depression I began a regime of CBT, madication (as I call my meds for madness) and general wellbeing and if all that fails, wine. :rotfl:
However, so as not to worry my husband I prove regularly I can refrain from wine and go sober. Thats when the madication proves its worth. The CBT helps, but you know how it is.
I focus on things and take them to an extreme level. I value myself against their results sometimes. I can be a little results driven on a personal level. This can be a strength but sometimes it works to my detriment.
Hence the disappointment when I am faced with an(other) uphill struggle, an insurmountable feeling of loss of control and a dread feeling. Once I regather and regain control I take it as a challenge, and I measure myself against it.
This cycle has got me through the past year. Goals, madication, wine, heavy breathing, it all has its role in my life.
Following my initial 6 months :eek: of sickness I was at work like a goodun, until a migraine attack in December. I lost a days work, when I couldnt see. Then in January my son (aka the monkey from outbreak) got gastroenteritus. As he felt ill, he naturally clung to me. That coughing in my face ensured I was afflicted too. I lost another day at work.
Now you might think well the first one is due to a disability. And indeed it is. However the Bradford factor says I am naughty. I am now on a management sickness improvement thing which is micromanaging me and its depressing me a little. I am making a concious effort not to be unwell, but a slight sniffle and I feel my agitation piqued, and I being stressing about being unwell, not the outcome at all that it should be.
Sigh.
So I went to the union, and asked them about the application of the policy and I established that perhaps I was being unfairly treated. I am not one to make trouble really, I just want to be treated fairly.
However this seems to have upset my management. They claim that I am not behaving fairly to them.
My head hurts with the madness of this. What on earth is happening in a world when you cant ask a question of a manager or a trade union without it becoming a negative? Add to that the fact that I am in a reasonably senior role where I get paid to ask questions and chase things up.
well I am travelling to another site next week. I am, of course, going to claim this as overtime. It will be at least 4 hours, perhaps 5 if I can manage it. Might have to drive back slowly.In any case, I will be driving economically.
All part of the moneysaving plots and schemes!
Other than the work related madness, I have the husband engaged in the art of paper log making. Another three made last night and the bucket and bag replenished with fresh shredding.
My DD1 appeared last night with some clothes, which were snaffled by DD2. She came for tea and it was lovely to see her. She looked very well, and brought her doggy with her. He is a lovely dog. We didnt tell him, but he is going for the snip on Tuesday.
What a grey day it is, I shall not be gardening this afternoon. There is some ebay packaging with my name on it. well, it has the purchasers names on it when I am done.
Also I think tonight might be time to do some work in the upstairs loo, and do a bit ironing.
Friday nights of rock n roll.
will check my ebay - one is remaining to be paid, and if it has paid I will cajole my husband to send it on to me.
Mind you, as its friday, wine can make a reappearance!
Hope everyone is ok and any thoughts on the work situation would be most appreciatedx
Trying to shift that debt!0 -
I get annoyed when work managers act like this. It is not a personal thing you going to the union. You are raging against the machine and not the individual. I manage staff and have to follow the policy. I may not agree with it sometimes and I try to be as empathetic as I can but unfortunately it is a part of my job. However my manager takes everything as a personal slight and I have on many occasions told her to chill out and take a step back. If someone complains against the process then it is the process that annoys them and not you. She still goes on a rant lol but it calms her down a bit. Maybe have a word with your manager and explain there is nothing personal involved and to take a chill pill.
Illegitimi non carborundum5 Year plan. April 2020 to June 2025- CC and mortgage free by time I'm 60
Currently CC £23,674.36 /£14,895.41/£14315.42
Mortgage £28,214.65/ £26,254.71/ £25,746.43
By end 2020 I want CC at £ 19,000.00.
By end 2021 I want CC at £10,000.000 -
Yay swearing in latin doesn't get filtered HA HA5 Year plan. April 2020 to June 2025- CC and mortgage free by time I'm 60
Currently CC £23,674.36 /£14,895.41/£14315.42
Mortgage £28,214.65/ £26,254.71/ £25,746.43
By end 2020 I want CC at £ 19,000.00.
By end 2021 I want CC at £10,000.000 -
Ooh well its a bit of a hard language to learn never mind swear in MiT!
Also I know what you mean. I am upset at the application and I do like her. She has taken it personally and its all rather uncomfortable at the moment.Trying to shift that debt!0 -
I am in a dressing gown, feeling very unhappy. I cant even be bothered to package ebay.
My eyes are sore, I am coughing and ache all over. DH is going to work on the other house on his own today.
I will have a little sleep I think. Just ten minutes. See if it pulls me round.
i really wanted to get things done this weekend. And maggot racing is off too. Shame. I was looking forward to that.Trying to shift that debt!0
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