10 months in and 90 left to go ... the reality is starting to kick in :)

rising_from_the_ashes

Not grrrrr to you .....

Thought it might've helped if you could've got rid of the more expensive one if poss - pants!

elantan

Yep I understand and all ideas very welcome honest

It's just one of those really annoying things ... If I had known the car would've died when it did ( I did know it wouldn't last forever) then I wouldn't have booked the holiday, if I knew mr el would have his job changed and therefore need a second car, I wouldn't have bought the new car, if I would've known that going on that holiday would've cost as much ( and I did know it would be expensive ... And I didn't want to really go due to money) I would've insisted to mr el that just because we got free flight doesn't mean that we have to go

It's just one of those grrrrrrrrr things really

rising_from_the_ashes

mmmmm think it's called LIFE

It just sucks sometimes!

elantan

Aye that life gets in the way of living too often lol

elantan

just had a look at the gas and electricty again, hoping i could maybe save some money, i can transfer and save a whole £45 a year, so less than a £1 a week, not really worth it

ahhh well back to the drawing board to see what else i can come up with

taxi73

thats quite a shortfall to need to cover...hope you can come up with the answers

chevalier

Hi there
That is a lot to cover. Is there a particular reason NOT to go on a DMP with Payplan or Stepchange? It would give you a chance to have a breathing space, and more importantly it would give you the chance to get healthy because you wouldn't have to do the overtime.....
chev

elantan

Thanks taxi and chev

If I don't pay into a pension it will take the amount owed to a place where I can do overtime to cover it. I think we will manage without the dump route as well, it's just gonna be a long hard slog, will be having the sit down chat with mr el about it soon, just want to be able to come up with some options first so that I can give alternatives, although to be fair I want to her what he is going to say

elantan

Today I took the bull by the horns and sold the last of my Jewelry ( well the stuff that wasn't stolen ) it was sad to see it go mr els wedding ring was in it, but he hasn't wore it since the day we got married, I had a locket and a couple of chains that I havn't wore for a long long time, got some money for it, so at least we now have spending money for our holiday to Benidorm, we just have to find the money to pay for turkey and our spending money for turkey as well,

Whilst handing it over I did wonder how much the stuff I had stolen would've went for,

I'm glad in a way it's gone as we wouldn't wear it and it's only sitting gathering dust, we also run the risk of it getting stolen and getting nothing for it so at least this way we one holiday sorted just the other one to get fixed... Wonder if I can get anyone to buy my goblets lol

beanielou

I think that youy should think seriously about a DMP/PTD.
I worry about your health and having to do this overtime TBH.