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

elantan

Am just back from one of the local colleges, I have signed up for my ecdl course, got all the paperwork and will be ready to go come the new year

I've decided to do this course via distance learning, it suits my lifestyle much better and I will just have to go in maybe once a month to catch up with things and sit the tests probably take a whole day to do that ... Sort any issues and sit mock tests in the morning and do the final test in the afternoon ... I'm hoping I will be done in 7 months although I am not going to lie I would like to be done much much faster

ZTD

elantan wrote: »

Mr el had decided that we just "must" get new blinds for the bedroom , I could see his reasoning why but I felt we could've maybe saved the money over a two month period but he insisted

So yesterday we went out to buy a blind, I double checked with him that that is what he wanted and explained we didn't really have the money, he didn't care too much about that he wanted a new blind

So .... We have a new blind and £20 left of fun money for the month, he wasn't too happy when I told him it was the fun money but I said well where else can it come from ? Where else do we have wiggle room ?

I sometimes feel like I'm his mother ... Grrrrrr

Don't worry. It will sink in. He's used to the magic money fairy farting and having pound coins come out. When it eventually sinks in that that it is all about priorities, and when something becomes high priority, something else must become a low priority - then it will all become much easier.

Besides, when he want's to do X, Y & Z, you can just point to the blind and say "Your fun is in there..."

elantan

That was my intention Z ... You must've read my mind


I do get why he wants one ... But in two months we could've saved up the money and still had fun money ... I have also decided that with £10 of the fun money we are going to see The Hobbit ... I have so wanted to see that film ever since I heard it was being made

If I get moans again I think I am going to have to Start stamping harder lol

rising_from_the_ashes

elantan wrote: »

Am just back from one of the local colleges, I have signed up for my ecdl course, got all the paperwork and will be ready to go come the new year

Ohhhh I must look at the stuff I got in the post

Off to do that right now!

elantan

Hope it's all good news

skint_spice

poor mr el - at least the hills are free he'll get there - must say took me a while too!

rising_from_the_ashes

elantan wrote: »

Hope it's all good news

Well .... I should be able to get the funding which is good news and filled in the form, copied my last 3 payslips and was about to put it all in the envelope to return and then discovered there's a page your employer needs to complete

Shouldn't usually be an issue but I can't exactly get it done when I'm on long term sick .... so it looks like it'll need to wait until I'm back at work (hopefully sometime soon ....).

*sigh* nothing is ever straightforward!;)

elantan

Don't worry about the page your employer completes ... That's ONLY if you don't have three wages slips ... So you should be good to go

rising_from_the_ashes

elantan wrote: »

Don't worry about the page your employer completes ... That's ONLY if you don't have three wages slips ... So you should be good to go

Ohhhh fab!:j

I really must learn to read things properly - I did wonder why you needed that too!:o:o

Will get it sealed up & post tomorrow!

elantan

being feeling kinda blah about the debt the last few days, you know that feeling that you get every now and then when you think the debt isnt going down and you feel like its a long long hard slog that doesnt feel as if it's getting any easier?

so i sat down with the debt (again) and looked at the smallest one, thinking i need the psychological boost that comes with clearing something off, and i was tempted to re-focus my attention on this one, but i then had a good talk with myself and reminded myself that the smallest one is on 0% interest but that i have one currently costing me 17.9% interest, and yes i may get a feeling of satisfaction from clearing the lower one first, and that may last for ohhhhh a whole week or so, (and maybe this feeling of satisfaction of instant gratification is one of the reasons i am where i am) but the one costing me 17.9% is still gonna be there costing me 17.9% and is gonna take me much longer to clear...

so i am back to figuring out a way i can meet both my need for some results to help the psychological boost and pay the high interest one first

when i first started this journey i thought 100 months that is a long long time, then i thought, och 100 months thats not too bad really ... now i am currently thinking yes 100 months is a long long time, but i have been in debt longer than 100 months so far and i am so fed up with it, so in this 100 months i have got to sort it once and for all as i dont want to be repeating this scenario ever again