Third time lucky

natlie

Hi
I am Natalie this is the third time I have started a DF Diary I lost my last one and I will look after this one properly.

About me: I have been on MSE since 2006, I am [STRIKE]32[/STRIKE] 33 I have 3 children 2 girls aged 11 and [STRIKE]5[/STRIKE] 6 and a boy now [STRIKE]9 weeks[/STRIKE][STRIKE] 6[/STRIKE] 9 months old.

I work full-time for Local Authority and I earn around £28k. My OH is not working he hasn't worked since Sept 2008 he has depression and is on medication and hes having counselling. He gets no benefits as we have passed the 365 day limit as of April. He's not claiming JSA as he's too ill to work - its a horrible situation for him - he feels useless and it makes his depression worse.

I have a bit of debt:

Barclaycard, Mint Card, Santander Card, Next Acct, Barclays Overdraft (from student days:eek:) and a loan. Amount in signature.

I also have my Mortgage £60k and my student Loan £8k

I waitress sometimes on the weekend which brings in an extra £60 when I get a shift with tips.

I want to be free of my cards and loan by July 2015 at the latest and free of my Mortgage by the time I am 40 in 2018, My student loan goes out of my wages so going to leave that for now.

I have started this again as I was recently refused a mortgage for a bigger house - even though the monthly payments were less - as I have too many dependents! and my loan etc they include DH as a dependent.

I need a new house our house is tiny, My DS will be in my room until he is 4 - poor him - unless my girls agree to share a room - big age gaps causing problems.

Fingers crossed this time
Nat
xxx

BEAT_THE_DEBT

hi fellow welshie welcome and goodluck. I am a counsellor where you based?

Lemon_Tree

hi Nat, good luck. looking forward to travel along with you on this journey

natlie

Right 5 things listed on Ebay and already 6 watchers on 1 of them - off to bed now goodnight all

BEAT_THE_DEBT

I am the valleys if i were nearer i would have helped you out x

natlie

4 more things listed on ebay - poor effort considering free listings but baby has had a bad day, he has been sad! Made mincemeat today - kept the girls entertained for a while, will sterilise jars tomorrow. Made chocolate cheesecake yesterday yum! Got a big bag of stuff to take to charity shop tomorrow - which is not ebay-able. £40 for groceries - that'll last us the week - not lol but we'll try.
nighty-nite
Nat
x

natlie

Paid £25 off Next Account which was £200 balance not £180 grrr nevermind its £[STRIKE]275 [/STRIKE] 175 now

Lemon_Tree

to make your day better - the balance is £175 not £275 that's an instantanious improvement there and then

natlie

thanks lol

natlie

Been busy making xmas food hamper gifts - chutney - cost me £2 for all the veg, had sugar, cooking apples vinegar, spices etc here already, reused jars that I had been keeping - so far looks amazing and smells fab too, made strawberry jam yesterday from a tin of strawberry puree which cost about £2.99 and it filled 5 x 1 lb jars although my jars were all different sizes so got 10 jars from it, I have also jarred up my mincemeat. Orange marmalade tomorrow! Got nice boxes to put them in cost £7 for 6 boxes. I usually spend about £2500 at xmas - I know! this year we have spent £400 and we are nearly done with no CC or OD increase.

I feel a bit ill today flu like have jab end of month typical! peace and quiet though eldest is on Wii, baby is sleeping, Little DD is at school disco with her friend.

My ebay stuff is doing well have 39 watchers on a coat! and bids on a watch strap I had free from the animal shop with a £6 hat. Its cold but the heating is off.

natlie

The coat age 5 I listed on ebay sold for £18 eek dont know why so much? its nothing special. it had 49 watchers. will use that to pay barclaycard