HELP - GOING UNDER!!! VERY LONG POST - sorry

angchris

vindalooloo wrote:

BTW - He's just gone to the shop for butter and instead of buying Lurpak at 1.50 he's come back with TWO clover (60 pence - buy one get one free!!!)

NICE ONE!

thats great news! :T its all the little bits n bobs that really add up over time, well done mr vindalooloo its nice to hear that he is thinking about what he buys now :T by cutting down on food bills etc even by just a few quid a week gives you more scope to throw extra at the debts. personally id set myself a little challenge to put in a jar everything you have saved from now until just before that tax bill is to be paid ,get hubby on board n see who can do the best the 90p hubby saved can go in for a start and the £4 for window cleaner:D

full-time-mum

vindalooloo wrote:

BTW - He's just gone to the shop for butter and instead of buying Lurpak at 1.50 he's come back with TWO clover (60 pence - buy one get one free!!!)

NICE ONE!

Well Done you, you seem to have got the message over (for now at least) - just don't get complacent.

full-time-mum

vindalooloo wrote:

Rang N Power. Turns out we are already in credit by £58 on the leccy which they are going to refund within 7 days into our account. Gave them a new reading for the gas too so and have to ring back in next few days to see if that one is still in credit as well.

Just a word of warning, if you are paying a set amount by monthly direct debit then you would expect to be in credit going into the winter as you use less electricity/gas for heating and lighting during the summer. Not saying that you shouldn't take the credit, but just bear in mind that come the end of the winter, you could find yourself in arrears so just be prepared - maybe keep an eye on the amounts you are using by reading the meter on a regular basis.

Hootie19

I can't better any of the advice you've already been given, but I can offer you this!!

http://www.betterware.co.uk/productdetails.aspx?pid=016340&language=en-GB

It's a draught excluder that slides under your door, so it's permanently in place. I've got two of them, and they work fine :-)

HeadInSand_2

Yes he goes to Tesco, but he *must* have the 'performance' fuel you see Agghh! Stupid I know.

Unless your car is turbo charged (and modified) you seriously do not need to run the car on high octane fuel - normally aspirated (non-turbo) cars are designed to run on normal octane fuel and you'll receive zero/none/nada benefit from higher octane. Increased octane simply increases knock resistance, if the car is a standard production UK model then you are wasting money. If it's a turbocharged car with increased boost then yes, use the high octane fuel.
He would never notice the difference, it's a placebo effect if he says otherwise.

csarina

:grouphug:think you need one :grouphug:

Your OH sounds just like my first husband who thought it was fine to smoke 40 ciggies a day, go on train spotting trips and not put shoes on his kids feet. I stayed for 29 years, must have wanted my head looked at....even when I left he still could not see what was wrong. One Christmas he went out and bought a TV and video on credit, in my name!!!!!!!!!!!! he took the agreement away and signed it himself..........I went in to see them and insisted they come and take them away.........proved it was not my signature on the forms and cancelled the DD he set up. I had to go to his employers and get his wages paid into my bank account, I then gave him pocket money, if he wanted extra for his train trips he had to get a second job.

Afraid I really have not got any advice except what others have already said, I sympathise heartily with you, would just say you need to really think about the relationship, it sounds like your daughter is going the same way as your OH, that needs nipping in the bud...............

Good luck, you are going to need to be very strong.........what ever you do, DO NOT take on another job to fund his luxuries, if he wants them he should earn the cash to buy them. I would be livid if my oh went into my purse for cash, hide your money away where he can't find it, even under the mattress on the bed..............if there is no money he cant take it, if he sulks tough...let him, you will need to develop a very thick skin. If your daughter has pocket money she should pay for her own phone, no cash no phone....hard I know, but you have to be in my opinion, its just that, my opinion.

GettingThingsDone

Good work vindaloo... sounds like you're moving forward.

slowlyfading

Having read this post, I think that you're being very brave in your situation. I can't really add any more advice than what other people have said, but hang in there and keep your chin up!!
:grouphug: :grouphug: :grouphug:

vindalooloo

Hootie19 wrote:

I can't better any of the advice you've already been given, but I can offer you this!!

http://www.betterware.co.uk/productdetails.aspx?pid=016340&language=en-GB

It's a draught excluder that slides under your door, so it's permanently in place. I've got two of them, and they work fine :-)

Aw god - I looked for these everywhere :-) But ended up with the saugage ones cos I couldn't find any both sides ones. Never mind - but thanks.