Have grasped the nettle..........now to deal with the ensuing rash

Igamogam

Crikey just noticed I have been given a bronze star!! I must make more effort to post what I am actually doing to reduce the debt rather than just burble on in a task avoidance sort of way

brizzledfw

Aha that must be it! 8 sheds is the secret to a long and happy relationship!! Liking it!

We only have 2.. One you can't get into for stuff including bikes, chicken feed, garden tools..you name it..its there.. Thats in our back garden but the other is on our allotment...and that's mine!! Maybe OH now needs one!:rotfl:

Hope you're celebrating this weekend Igamogam...you should be! The boys did well!

Brizzle

brizzledfw

Ah yes..I was pleased to recently get mine as well..the sage of things MSE- jwil-:) said it was for 750 posts?

Happy posting and yeah spill the beans on all the tricks youve used to get that pesky debt down/ live more frugally

Brizzle

Hopeful1

I've got a silver star and I haven't even got a diary :rotfl:

chevalier

Hi there
Just a few thoughts. It is lovely of you to support your older child through university, BUT the person who is paying for it isn't you, it is your credit facilities. Sorry but you can't afford it if you are getting into more debt to pay for it. Surely she can get the relevant student loans to pay for her accommodation?

You seem to have a very rewarding, stressful job. I can't imagine how heart wrenching it must be to be dealing with such damaged young children and trying to turn them around.

Can you really hand on heart say that you have the time or mental energy to debt bust in earnest? Might it be time to look into going on a debt management plan? That way you will have a set amount to pay each month, and CCCS or Payplan would take care of your creditors....

Good luck
chev

Igamogam

chevalier wrote: »

Hi there
Just a few thoughts. It is lovely of you to support your older child through university, BUT the person who is paying for it isn't you, it is your credit facilities. Sorry but you can't afford it if you are getting into more debt to pay for it. Surely she can get the relevant student loans to pay for her accommodation?

You seem to have a very rewarding, stressful job. I can't imagine how heart wrenching it must be to be dealing with such damaged young children and trying to turn them around.

Can you really hand on heart say that you have the time or mental energy to debt bust in earnest? Might it be time to look into going on a debt management plan? That way you will have a set amount to pay each month, and CCCS or Payplan would take care of your creditors....

Good luck
chev

Having read your post Chev I can see that I need to make myself MUCH MUCH clearer on many fronts! DD1 will be a postgraduate and there are professional development loans ( expensive) scholarships ( competitive) and grants ( tiny) available to her to pay her way through her next stage of study - we had thought she would come back home and study in her home town university but her reasons for staying where she is are sound. She will have to work during term time now ( had a job during the hols back here for last 5 years) and we will support her financially although much reduced from what we have done these past 3 years - it wont increase our debt, our debt is reducing, but means we live without too many extras and for us that means we holiday cheaply in the UK,we don't replace large items of furniture/decorate unless absolutely necessary, our cars are run efficiently. Neither of us are great followers of fashion and we eat well but cheaply and don't waste.Socialising and entertainment is done cheaply, after all most of our friends are in similar positions!If not in debt then seeing their hard earned professional salaries been squeezed more and more......... And lots more things in a similar vein - none of which are a hardship to us. Yes we both work hard in demanding stressful jobs, but we play hard too which keeps us sane;)

Both our salaries are getting hammered by changes in taxes, pensions etc and yes the threat of redundancy hangs over both of us but we have our mortgage payments insured and redundancy pay out for me would be substantial, well enough to pay our debts off. Now all that makes me sound a bit flippant......... its not supposed to. Rest assured We overpay the CC debt each month and all are on 0% - card tarting when needed:D. All our other bills ( council tax, road tax, utilities etc) are met without a problem so a DMP is not for us. The biggest change we have made is to stop spending on the CCs and allowing the CC companies to just keep increasing our credit limits. I use one CC for fuel payments which is paid in full and loyalty points gained from this we use for big value items - ( 2 laptops last year!). I do have an overdraft facility which I make use of rather than using the CC which is what happened in the past.

Hand on heart ?? I have time - many paid weeks away from work a year:eek: Sometimes I just dont use it wisely Mental energy - oh yes indeedy.Lots of it.It peaks and troughs like anybody but if you deal with the carp lives I deal with everyday then you are mentally tough.Its in the job description - seriously. I had it written in. Having something else to focus stops me from being the jabbering wreck I have seen others turn into. The focus might be a large debt to reduce but at least its not an extreme sport -well not any more......... I have left that to the OH:rotfl::rotfl:;)

Thank you Chev for the comments. Much appreciated. Its focused the mind a little more sharply.:D

Igamogam

brizzledfw wrote: »

Aha that must be it! 8 sheds is the secret to a long and happy relationship!! Liking it!


Brizzle

Noooo 6 sheds - 2 of which are mine. Now 8 sheds would be too greedy............or a small village:rotfl:

ani*fan

Hi Igamogam

I'm still here, just up to my ears in work and study. Glad everything's going well with you.

I totally agree that sheds are a significant factor in happy marriages. We have 2 sheds, OH is almost permanently resident in one, making things, putting screws into jars, playing with power tools. Peace and quiet for me.

I so need easter to be here right now.

Igamogam

Hells Teeth Ani you were up early ! I have just discovered that OH has chart on clipboard in shed monitoring the solar panels and how much they are generating. "Well at least its not a spread sheet on the PC". I said and his reply to that was "well its not on the PC but come and look at the laptop" - I wasnt very good at hiding my eyes rolling skywards :rotfl::rotfl:

Igamogam

Pretty much a full on day in the garden which was nice - cant remember when, if ever it has been this warm this high up at this time of year. Makes me think July and August will be a washout again:(

Got an exam stressed DD2 at the moment - just no fun. Exams finish next week then we have 2 weeks off:j