2012 - My 3rd year on MSE ... the debt free one?!

loumac

Right ... back on the MSE wagon. Could bore you with a lot of waffle but will try and summarise current situation:

1) Debt on credit cards increased to £1,328.70 from a virtually cleared balance.
2) Overdraft hit £579.96
3) Kept pretending all was ok and kept spending.

4) OH got PPI refunded to the grand sum of £6,858.80!!!

Yay! :j Yay! :jYay! :jYay!:jYay!:j

We've cleared credit card and overdraft and have just over £5,000 sitting in the bank whilst we debate what to do next.

We still have debt to inlaws of £2,200 but they're happy to be paid whatever and whenever and interest free so don't know whether we just pay them monthly still but clear it quicker now we're not paying other debts. My loan finishes in two months so we can give them that if need be. Or should we just pay them off?!?

OH is keen to buy a car as his is paid for monthly from his wages through a company scheme and if he ever lost his job we'd have no car.

Choices choices ..... Decisions decisions .....

debtfreewannabe321

hi loumac i've just spent the last couple of hours reading your diary

well done on the ppi claim are you going to pay off the rest of your debt now then? or was the CC and od the last of them (bar the inlaws) well done what fab news

loumac

debtfreewannabe321 wrote: »

hi loumac i've just spent the last couple of hours reading your diary

Blush! Thanks for checking in. Sometimes I do feel like I'm waffling to myself!

As for last debts, I have two more payments to make on a loan that was originally £7,500 (normally pay £181.94 but don't think second payment will be that much) and the £2,200 we owe to inlaws. Not sure what to do next ... Hmmm ...

loumac

Well I'm home today with a poolie baby and although I feel really guilty having a day off work when I've only been back at work for a fortnight, I'm secretly happy that I get a day having snuggles!

I have also started diet again today in order to lose weight for christening so challenge is not to pick as the fridge is so close by ...

Am hoping to sort out which photos of Sadie I want to get printed (She's 6 months and if I don't start an album soon I'll never get one done!) but I know printing loads will cost a fortune so other job of the day is to start to photograph some bits for ebay.

Last weekend we started to clear my nans house ready for sale and I've had all the sewing and knitting stuff. Some of the patterns I want to keep and others I'm going to sell. I'm hoping to donate half of the money raised to Cancer Research and add the rest to Sadie's account, something I hope my nan would be happy with. I also have three knitting machines of nans so want to see if I can sort two of them for sale and then learn how to use the third! :cool:

Not much planned eh ... Oh and I need to walk the poor dog who didn't go out at all yesterday with that horrid wind and rain.

loumac

For some reason it has only just dawned on me that in less than six months we managed to increase our debt by £1908!!

Thank goodness for the PPI that has paid that all off.

However, if it wasn't for those debts we could have cleared the £2200 we owe to the in-laws and be near on debt free already!

Hmmm.....

Well at least I'm back at work now so with a proper wage should be able to get back on track. Bit cross with myself though. Had I stayed on here more I'd have been more aware and we'd have stayed in better control.

Shoe_Gal

Fab news about the PPI

debtfreewannabe321

ah don't be cross with yourself, we all stray off the MSE path at one time or another, i just see it as another lesson that needed to be learned you've done fantastically well staying so focussed with a new baby. I'd have (and did) gone out and blown loads on silly things that in the grand scheme of things aren't needed!! You had good reason to add to your debt being on maternity pay! and the ppi came at just the right time for you xx

loumac

Thank you. Sometimes I'm really proud of how far we've come and others I just beat myself up about not doing better. Lol! The life of a debt free wannabe eh!

Home again today as got as far as nursery with Sadie this morning before she threw up and filled her nappy simulataneously! Managed to get into the doctors but during the consulation Sadie tried to eat the thermometer, the stethoscope and my coat so the doctor diagnosed an 'oral' baby who is likely to get lots of bugs. Great.

Off to check the online banking ... wonder if I've won the lottery! Lol!

mum2one

Hope you had a lottery win, big hugs for Sadie! got to give her 10/10 (hoping it was a male GP!!) shes after trapping the rich ones. She'll have to give me some tips.

Considering your drop with maternity pay, the arrival of Sadie, you have done absolutely brilliantly, and you need to be very very pround of yourself!

Madam is the same if there is a bug to be caught she'll catch it, usually school holidays... we lost a 3 day break in Chester (German Measles)

Then 2010 - 2 days before we were due to go to Tunisia she came down with chiscken pox, ins pd out, we reschedlued for the summer hols, then I fractured my knee cap wasn't allowed to fly. Then in oct she had another bug - cancel hols. I wonder why i never had a renewal notice from them!!

joking apart thou, i always think the younger they get the bugs, they build up their immumity quicker. Big hugs for you, as sure your the one doing the nappy run!! xx

loumac

Eek! Been over a month since posting again ... where does time go?! We're half way through the year already?!

I think with back to work, my birthday and Sadie pops christening I have once again lost track of everything. So hard to run house and money and be a working mummy. Wonder if we could ever manage me being a SAHM?

I'm sure there's a spreadsheet that can be done to work towards that one!! xx