"Simply not solvent!

Karmacat

Congratulations on clearing the loan, and not even needing to use the ISA money! Thats really good news.

bountiful

our total debt today stands at £34,118.13. That is actually £1700 less than on 1 April this year, so I feel a bit better about things.

That's about £28 a day you've managed to put towards paying off debts imagine that?! Well done!
:beer:

mizmir

how are things going seaxwyn?

taxi73

Just popping by to say Hi and see how you are?

Seaxwyn

Hello! How nice of you to look in!

I haven't posted for a while as I've been very down about money. Our lower earnings over the past month or so are really showing, and we are - barring miracles - going to have to dip into my ISA this month, or start using credit cards. Very demoralising after doing much better over the past year.

However I did have an amazing stroke of luck today. I answered an ad on Freecycle for a slow cooker - and when I went to pick it up found a rather desperate young man trying to dispose of the whole contents of his flat as he moves to the US tomorrow. So I helped him out by taking... seven large bagfuls of books. I'm halfway through listing them on Amazon now, and there are some beauties.

So that's cheered me up - though otherwise things are pretty dire.

How are you taxi, have you had your exam results yet?

mizmir

Seaxwyn wrote: »

Hello! How nice of you to look in!

I haven't posted for a while as I've been very down about money. Our lower earnings over the past month or so are really showing, and we are - barring miracles - going to have to dip into my ISA this month, or start using credit cards. Very demoralising after doing much better over the past year.

However I did have an amazing stroke of luck today. I answered an ad on Freecycle for a slow cooker - and when I went to pick it up found a rather desperate young man trying to dispose of the whole contents of his flat as he moves to the US tomorrow. So I helped him out by taking... seven large bagfuls of books. I'm halfway through listing them on Amazon now, and there are some beauties.

So that's cheered me up - though otherwise things are pretty dire.

How are you taxi, have you had your exam results yet?

Bad months are demoralising aren't they? But great news about the books - maybe that will bring in the extra money you need - at least Amazon pay up straightaway - and hopefully the books are some that will sell. Let's hope so. But if not and you do have to dip into savings - at least you are not getting more into debt and you can repay this when things pick up.

taxi73

Great news about the books..perhaps that'll bring a few ££s in.Sorry to hear that you have had a bad month and hope things start to look up soon for you xxxx I haven't had the results yet but as soon as I have them I will let you know..thanks for asking anyway..it's driving me nuts waiting.

hypno06

Ooh, how come I have missed this thread for the last week or so

But anyhow, fab news with the books!! As for the "feeling low", I wish I could just come and bring you a big hug and a bottle of wine (oh, and a cheque for £35k!)

xx

Seaxwyn

What a lovely thought, I wish you could come over too.

I really do feel bad about my whole life. Money, obviously; my ongoing failure to do my work efficiently; my OH who has the same failings as me with an extra dose of grumpiness thrown in (or perhaps he'd say I'm the grumpy one); and my dysfunctional family. The kids have been awful today - teenagers sulky, DS bratty. I know our life would be a whole lot easier if I could just keep the house orderly and be a calm constant presence, instead of someone who's always there and always stressing.

I am beginning to think seriously about looking for an actual job. So that at least when I'm in the house, I'm fully focussed on it and not always stressing about work. However the freedom and relatively high earnings I have as a self-employed person seem too good to give up.

Oh I don't know... these same thoughts turn over in my mind constantly and I never reach any conclusion.

Verbatim

Great news on paying off the loan without using your ISA too. Well done.:j

Hope you find some lucrative work soon and that the books bring a tidy sum.:D

Has your OH been promised work for next term? How's your work search going?

I know what you mean about a calm existence. Our house has too much "stuff" which makes keeping it clean and tidy impossible. Gradually getting rid of things through freecycle but have a long way to go.

If we ever get there I imagine the feeling of calm in-controlness will be lovely! :cool: