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Diary of a (hopefully)reformed shopaholic
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Evening diary,
Im bushed today lol.
I was in a meeting\training all day from 9 until 4:45, came home made tea, bathed and put DD to bed, poured glass of wine and made my sarnies for tomorrow.
I thought I had a NSD today but then realised a bought a bag of my fave crisps from the shop at work.
No other spends though, I have a list of Xmas pressies for DM now so will make a start on those at the weekend.
I have been having terrible night sleeps, DD is up and down all night with her cough and this morning we got to sleep at about 5 and I was due to get up at 6, good job I woke up as I had turned my alarm off.
OH been here again tonight, he is desperate to move back in (after the electricity thing he suddenly turned into Mr Nice) but I just can't do it big bang, although he hasn't asked to stay over the last 2 nights. He made a really big effort at the weekend and Im struggling to find it in myself to be tactile with him...he is on holiday for a couple of days next week whilst I am off so will wait until I have spent the time with him to see how I feel. Im not sure if I am struggling because I am used to being on my own or if its because I don't have the feelings anymore.
Is anything straight forward? All I do is think.
Money still the same (-60p crisps), I am at Temple Spa party on Friday night which is the face cream I use so going to have to be really careful. The last one I went to I didn't spend anything but I didn't have anything to spend as was just starting out on my MSE journey...just drank the wine and ate the nibbles.
Petrol at 109 miles left in tank.
xLBM March 2011 - [STRIKE]Joint Debt £46k[/STRIKE]Current Personal Debt £0 :jGroceries £152.51/230,Pot Balance £1564.02Christmas Savings £200, £2 savings £240 -
Hi LL - I wouldn't rush into decision about OH especially if you are unsure of your feelings.... Him moving back in potentially gives him more rights etc.... I know that probably sounds harsh....
On the LBM front - we have times when we are good with money and times when we are not.... Not mastered this every day thing yet....Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/250 -
Hi SH,
I know it gives him more rights which is why I am panicking, the fact he has more rights also clouds my judgement! I have spoken to the Solicitor and she said that they take the time he has been away into account...I still don't trust it though.
Have you seen the OS thread about shopping in Aldi? We were just talking about the same thing!LBM March 2011 - [STRIKE]Joint Debt £46k[/STRIKE]Current Personal Debt £0 :jGroceries £152.51/230,Pot Balance £1564.02Christmas Savings £200, £2 savings £240 -
Afternoon Livvy, is this still the same cough of DD's?? They dont half linger dont they. My DD2 woke up with a cough again this morning, hate this time of year!!
Plus a friend of DD1's threw up in class the other day... so im sure that will be heading out way soon too.
Re DH like SH says take your time over the decision. Only you know how you feel xxMummytogirls x0 -
I don't know if I've asked this before but would you both consider Relate before he moves back in so that it builds some foundations of trust first?0
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Hi LL,
Just had a catch up through your diary and your doing great, well done on spending within your means for 6 months and your doing really well with your forward planning and your 'pots'.
Loved your ideas about the clothes pots, think I will steal that one if you don't mind!! Probably won't be able to put it into action until the new year as I'll get some new clothes at Xmas but my wardrobe is well due an overhaul.
It really is a challenge doing Xmas at a sensible budget but your doing great
Yellow xLBM 14/9/11. Aqua paid off!
Capital one [STRIKE]434.00[/STRIKE] 193.70
Vanquis [STRIKE]1122.36[/STRIKE] 1112.21
Loan [STRIKE]16505.36[/STRIKE] 15,780.27
total...[STRIKE]18,492.00[/STRIKE] [STRIKE]18,061.72 [/STRIKE] 17,095.18:eek:0 -
Hi Everyone,
I have had a pretty busy weekend and maybe I have spent too much, I did a bit of shopping on Friday for essentials...rat poison (found one in shed), dog food and pullups because they were half price in Boots.
Saturday I went to bank with OH to take my name off his account and then went for lunch with DM and got some groceries from the COOP.
Yesterday had a day out and paid for a meal, OH paid for the rest of the day but in actual fact I ended up spending more so he said he would give me some towards it, plus am waiting for some more towards DD's pressies.
Today we have been to the Wacky for toddler time, was only £2 so happy about that as we were in there for about 3 hours and then I came home and made tomato chutney with the red and green tomatoes left on my plants...how MSE is that?
Hi Mummy, DD's cough is going now I am pleased to say, she was a bit off colour yesterday and think her throat was sore as she cried when she coughed.
Hi Yellow, the clothes pots are great (of course I don't mind) and I am actually feeling smartly dressed for every occassion. It might be a good idea to have a look at what you already have and plan what you are going to buy in the New Year.
Hi KM, I have told OH that I don't want him to move back in as I don't know what I feel towards him, I said I needed to go to counselling before I make any decisions.
We had a huge fight on Friday as he wasn't too concerned about my feelings, more that he had bought a TV for us and that he had told everyone he was moving back in.
Anyway on Saturday when I told him again how I felt he got really upset and said he doesn't want to lose me and wants to go to counselling too...thats all I can agree on for now. I don't want to be rail roaded into something I am not happy about.
Following this we went out yesterday for the day as 'friends' and he has asked that we go away as a family for 2 nights this week..as friends still but he says he wants to make it work. I have told him I'm not 100% sure its a good idea, so I am still pondering, I don't want to get back to where we were if its not what I want. Its the rest of my life!
So, all is certainly not good for me but at least I got it off my chest.
Tried to get my money under control on my SS this morning but until OH coughs up am not sure what (if anything) I have left for the month. If I do go away, it will be out of the holiday budget (strictly speaking thats what it will be).
Time for Im a Celeb now...he he.
Night Night x
ps, found a dead mouse in the garden Saturday when cleaning...think there is still something bigger lurking in the shed though, the poison should sort it.LBM March 2011 - [STRIKE]Joint Debt £46k[/STRIKE]Current Personal Debt £0 :jGroceries £152.51/230,Pot Balance £1564.02Christmas Savings £200, £2 savings £240 -
Morning Livvy, eeewwww to the rat, I would die if I saw one haha!!! Well done you on being brave and dealing with it though :T.
Oh dear to you and DH falling out on Friday. Like you say you dont want to be rail roaded although it sounds like hes making the effort wanting to go away etc. Hope you have a nice time if you decide to go.
x xMummytogirls x0 -
Hi LL
Yes my plan for my wardrobe is to sort out what I'm keeping, ebaying, and binning then work my new wardrobe around the stuff I have kept. There are a few essentials I want to base my wardrobe around so will start saving up for those.
At least OH is willing to go for counselling, that's got to be a positive thing I suppose???
**shudder** to the rat!!!! I would die too mummy!!!
Yellow xLBM 14/9/11. Aqua paid off!
Capital one [STRIKE]434.00[/STRIKE] 193.70
Vanquis [STRIKE]1122.36[/STRIKE] 1112.21
Loan [STRIKE]16505.36[/STRIKE] 15,780.27
total...[STRIKE]18,492.00[/STRIKE] [STRIKE]18,061.72 [/STRIKE] 17,095.18:eek:0 -
Hi there,
I have taken DD to nursery this afternoon so I can have some me time and she won't get bored. Actually I need to do washing and ironing...great!
Have told OH will go away for a couple of days to Edinburgh but he knows how I feel and just because I said I would go away doesn't mean that my feelings have changed.
I mentioned the loan again today...I feel very brave this week. I said I couldn't get any sort of credit now as it looks like I have two loans and I don't, so I would like you to take my name off the loan, plus I mentioned I had been doing what he wanted regarding money so now its only right he does something for me, he said he would look into it but would only do it if it didn't cost him more or if we split up. He asked if that was the only thing that was stopping me from leaving him. Again its all about him! But his coat is hanging on a very short peg at the moment.
I have transferred £250 for Edinburgh out of my holiday savings, what I don't spend I will put back as we will be going halves on everything so won't work out as expensive as it did when we shared money.
Thanks Mummy and Yellow, I am really hoping the rat has died now...every time I go in the garden I pray I don't see the little critter.
DD noticed her pressie in the down stairs cupboard this morning and asked for Dora, the thing is she won't forget about it. I have covered them all over with a towel now. I told her the pressie was for the poor kids she and seemed happy to go along with that as thats where her dummy's are going too when Father Christmas takes them.
xxLBM March 2011 - [STRIKE]Joint Debt £46k[/STRIKE]Current Personal Debt £0 :jGroceries £152.51/230,Pot Balance £1564.02Christmas Savings £200, £2 savings £240
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