We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
MG - The Matrix Re-wired
Comments
-
hi Hopeful1, I've booked the holidays. OH was panicky and upset last night so I looked after him and we had an early night. Hoping he's feeling better today.HSBC CC - £3000 / £3000
Halifax CC - £1032.77 / £1032.77
Mortgage currently at [STRIKE]£82,299.71[/STRIKE] £76,017.62 would love to overpay0 -
Hugs to all the poorlies - ensure you have plenty of rest and manage to eat well, chicken soup seems to be a cure all and it works.
Sorry to have been missing in action - I didnt switch my computer on at all yesterday and spent the day doing nothing (ok I did wash up and make some dinner), I couldnt be bothered so I watched awful daytime tv and dozed. Feeling much better today. Went to see my lovely doc (oh how I will miss him when I move because I have to move surgeries too:() and he took my blood pressure which is normal:j we discussed the menopause too but he said that if the hot flushes become more frequent then to see him about it (or see my new doctor whoever that might be). He thought I was doing remarkably well all things considered.
Managed to have a chat with the soon to be ex OH although he still bleating about my wanting to clear out his bank accounts and relieve him of some money he has now figured that it would be better for us to make the agreement rather than leave it to the courts. I gently reminded him that I would be entitled to half of everything and that he may be forced to sell his mother's cottage and the house to pay me half, therefore the money I had requested is considerably less and he would be able to keep his properties. I also said that I needed to have my car serviced and MOT'd before 5 June (this is when it is due) and that I could not afford it, nor could I afford the road tax or insurance so he is going to give me some of the money in the next week or so and then pay the remainder in instalments:j I will then be able to clear my Visa card and my overdraft and then I would be able to move banks with a clear conscience. My Amex card will be paid when I get another instalment and then that will be clear. I have it all planned out.
Now I need to get a job and I am hoping that R*mploy will do the trick as I have already been put forward for some jobs at Sainsbug's and I have been invited to a workshop with MandS prior to some work experience with them which could land me a job.:j
Just a bit of prior warning - Ald* are starting to charge people to use their carparks, you will have to enter your registration number into the machines which will be located in the packing area and this will allow you to park for free for 1hr 30 mins otherwise you will have to pay.0 -
Survived another morning at work, but shattered again. Still that's 2 of my 3 done. Whilst I have been poorly about the only thing I did was read my book "Eat,Pray Love" - not a book I would of bought but was passed on to me. Much of what I have been reading about is abundance in life, asking the Universe, trusting the Universe and being careful what you ask for.
Seemed a timely reminder as I was beginning to doubt again:eek:Ihen started asking for a life full of abundance and riches but then gently asking for some signs to help me along the way.
On my coffee break at work, whilst flagging a bit I suddenly thought "that's 2 hours pay earnt- half way to a mornings" (a change from I want to go home) then within seconds I had this blinding realization that for the last 2 years I've been looking at my budget completely the wrong way:eek:
My budget was I am spending x£'s on a,b and c - not I can afford to spend x£'s on a,b and c! So am now going to have a plan at revamping the budget and getting it working:jDebt at start of DMP 1/6/09: £2942 - £1942
Buffer Zone 1; £84 -
£2 saving plan:-0 -
Yawn!!
Yes I been napping - most unlike me.
Normal service resumed soon (I hope) as I am fed up feeling "Pah!!!"
Half the week gone I have done - absolutely nothing. Better get a wiggle on next week.
MGFINALLY AND OFFICIALLY DEBT FREESmall Emergency Fund £500 / £500
Pay off all Debts £10,000 / £10,000
Grown Up Emergency Fund £6000 / £6000 :j
Pension Provision £6688/£23760 -
Sorry to nag MG but rest is what you need - your body is telling you to rest so listen to it:)
Just thinking that we are having a funny kind of drought this year - it has rained pretty much every day since it was announced - today is no better and is grizzly and grey:(
Just been to see the advisor at the jobcentre to chat about my work searches - I had something sprung on me by R*mploy this afternoon but they did not explain it too well and I tend not to respond if someone shouts at me so I declined their offering much to their annoyance and I got the "you are on the dole and cannot refuse" I explained this to my advisor and she agreed with me as it happens. Still I shall be attending the workshop on 24 May and the 2 week work trial with Messrs Marks & Sparks.
Feeling a bit meh partly due to the weather and partly due to my eyes which are gritty and heavy feeling:(0 -
Meh day here weather wise and a 'can't-get-going' kind of day. Would have got more done sat at home tbh but at least they pay me. Found out this afternoon that I am the only one at my level doing the amount of work I am which must stand me in good stead for going up the career ladder - or alternatively means I am a mug! On a course which started so late I had time to sit and reflect and do a swot analysis of my current career position and write an action plan to spur things on.Mortgage £119,533 going down slowly
Emergency fund £1000/£1000
Savings for big things £90170 -
Please don't fall over in shock, but this is going to be a positive post......an unexpected offer of financial help has been offered today, which means if I cannot get the mortgage company to agree to write off the deficit, I can borrow the money to pay it anyway. I realise now just how stressed I was as I feel like I've lost lbs!! The mortgage is currently 2 months in arrears due to 'him' not making payments, so I am hoping everything will go through asap. Oh the relief. Thank you again for the supportive posts and thank you universe..again! I'm so lucky :A
I 2nd what Horace said MG, rest, rest and rest. I think we're all guilty for rushing to do things before we're ready. There seems to be an inbuilt response of guilt in many of us if we're not constantly doing something.
Fallenwiccan, good for you booking your hols. I hope the day was a better one for your OH.
Robsmum, I too have 'seen the light' this week and realised that i'm doing things back to front and not being honest with myself. I've arranged and stuck to arrangements with creditors which actually I can't afford. I am revising everything and going back to basics. As my venture grows, that's when I will start to overpay. Until then they will have to wait, as I do not have any spare money at present, even when I take my payments right down. Hopefully we will both be sharing our debt reduction success stories in the not too distant futureOne step at a time0 -
Must finish the form of Doom*... argh, why is it so difficult..
Mutters away and trudges back to the laptop!
*the form of doom is the selection form for a position in the new structure, and it is very difficult indeed0 -
(((Hugs))) TMIF. I hope you managed to get the form of doom completed.
It is a horrible thing to have to do. Sending positive vibes.
Good morning Matrix. I had a bit of a day off out of the world yesterday. Not sure why but I just felt that I could not be bothered to do anything. So I didn't. I didn't even have a shower. THAT is incredibly rare for me as I am something of a clean freak. I sat around on the sofa, reading some e-books and generally slobbing out.
This morning... well, you would not believe the change. By 7am I had showered and dressed. I am just completing my internetting before heading off downstairs to have a healthy breakfast (not sure what yet!) and then getting stuck into getting the house clean and up to snuff. I am going to try and not do too much so I feel like hell again on Friday, but I do want to feel I have achieved something when I come to the end of today. If that makes sense?
Get well vibes to everyone who is feeling poorly. I think I am nearly there. I still have a cough occasionally, but I am much better than I was.Take care one and all.
"A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort"Herm Albright 1876-19440 -
Robsmum, I too have 'seen the light' this week and realised that i'm doing things back to front and not being honest with myself. I've arranged and stuck to arrangements with creditors which actually I can't afford. I am revising everything and going back to basics. As my venture grows, that's when I will start to overpay. Until then they will have to wait, as I do not have any spare money at present, even when I take my payments right down. Hopefully we will both be sharing our debt reduction success stories in the not too distant future
Hopeful: Thank you for that. I feel better knowing I'm not the only one who had got it all the wrong way! I felt so silly:rotfl:After doing some housework things I am going to start working on the new budget and like you go right back to basics- am hopeful that I will have got it sorted out so can start at the beginning of June. At least with being an ardent spending diary fan it shouldn't be too difficult to be realistic:eek:
Another one who agrees that MG you need rest and listen to your body. I know last week I was shocked at how much sleep I had and in an ideal world would have liked to continue this way for this week also. We are just too hard on ourselves!Debt at start of DMP 1/6/09: £2942 - £1942
Buffer Zone 1; £84 -
£2 saving plan:-0
This discussion has been closed.
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351.4K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.8K Spending & Discounts
- 244.3K Work, Benefits & Business
- 599.6K Mortgages, Homes & Bills
- 177.1K Life & Family
- 257.9K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards