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No idea how I got here but need to get out of this place!
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Right one small item done (and as a consequence 2 inches of paperwork off my desk) just the 2 A4 folders of work to plough through this week on top of the audit I have to do and the other work landing on my desk by email. Feel a bit better now I have made a bit of progress. Just catching a few seconds of down time and man handling the emails into submission before back off home and time to attack the personal accounts. It amazes me I spend a lot of time sorting things out as per how they ended up last time and them follow that format for this year, only to find the accountants have changed the goal posts and I now have a completely different way of doing it all this time around, so more work for me. I think I should simply dump it all in their laps and be done with it.Start info Dec11 :eek:
H@lifax [STRIKE]£13813.45[/STRIKE] paid Sep14 paid 23 months early :T
Mortgage [STRIKE]£206400[/STRIKE] :eek: £199750 Mortgage £112500
B@rclays £[STRIKE]25000[/STRIKE] paid 4 years 5 months early. S@ntander £[STRIKE]9300[/STRIKE] paid 2 years 2 months early
2013 8lb lost 2014 need to lose 14lb. Lost 4 so far!;)0 -
I managed to reinstigate the gym schedule for Monday, feel better for a Pilates session and looking forward to a whole bed to myself for the night a DH working.
Watching the 56up program now quite interestingStart info Dec11 :eek:
H@lifax [STRIKE]£13813.45[/STRIKE] paid Sep14 paid 23 months early :T
Mortgage [STRIKE]£206400[/STRIKE] :eek: £199750 Mortgage £112500
B@rclays £[STRIKE]25000[/STRIKE] paid 4 years 5 months early. S@ntander £[STRIKE]9300[/STRIKE] paid 2 years 2 months early
2013 8lb lost 2014 need to lose 14lb. Lost 4 so far!;)0 -
This week so far sounds better than last week
well done on the gym and pilates. :T
Your job sounds very similar to mine - am totally overworked with impossible deadlinesnot sure what the answer is really but I am sure that exercise helps
Sleep well0 -
Today started slowly. Carp nights sleep, first coud not get warm and drift off, second was woken up by Doglet convinced there was a burglar actually it was next door who not only leave their landing light all day and night on meaning it shines straight through into our landing window and our bedroom but also get up at stupid o clock and trigger all the security lights faffing about in their garden, taking rubbish out, taking the dog out (who pees up the drain on out house outside the kitchen window stinky mutt) so 4 hours sleep. Dozed until DH came in and to bed then gave up reset alarm as was piddling down so Doglet walking doesn't happen and fell asleep. To be woken up 30 mins later by a peed off Doglet banging the living room door where he had been shut in demanding cuddles as we were both in bed. He is NOT my favourite animal! Now been dozing on sofa and still feel like poo. Am supposed to be calling quack to get results, have tried every day for a week but no one answers the results phone very annoying.
Then off to get hair cut and back to work. My fantastic plan of getting car cleaned in and out plus gym session and trip to shops for a few bits didn't quite work.Start info Dec11 :eek:
H@lifax [STRIKE]£13813.45[/STRIKE] paid Sep14 paid 23 months early :T
Mortgage [STRIKE]£206400[/STRIKE] :eek: £199750 Mortgage £112500
B@rclays £[STRIKE]25000[/STRIKE] paid 4 years 5 months early. S@ntander £[STRIKE]9300[/STRIKE] paid 2 years 2 months early
2013 8lb lost 2014 need to lose 14lb. Lost 4 so far!;)0 -
Yesterday was not a good day. I am getting quite naffed off with the fact this debt is not mine yet I am the one who has sold her beloved sports car and now drives a boring box. I am the one cutting back on all things e.g. Hair cuts, facials and so on whilst he gets to keep his sports car and still spends money like it was going out of fashion.
Couple this to e fact I had an impromptu drowning session when cleaning the bathroom as the shower hose sprang a leak so not only did I clean the usual bathroom items but the ceiling, swilled the floor and each wall top to bottom. Including time t get the new hose for the bathroom it took me 1 hour 20 mins and a change of clothes to clean a modest bathroom!
Drown rat did not do it justice when I peered into the now very clean mirror!Start info Dec11 :eek:
H@lifax [STRIKE]£13813.45[/STRIKE] paid Sep14 paid 23 months early :T
Mortgage [STRIKE]£206400[/STRIKE] :eek: £199750 Mortgage £112500
B@rclays £[STRIKE]25000[/STRIKE] paid 4 years 5 months early. S@ntander £[STRIKE]9300[/STRIKE] paid 2 years 2 months early
2013 8lb lost 2014 need to lose 14lb. Lost 4 so far!;)0 -
I have put my foot down with a firm hand - no more snacks or ice cream to be bought and no more me sitting in the house munching when I am peed off in the evenings. Now it is lighter I have no excuse but to get on dog walking and use the gym to the max by getting a fitness assessment, health assessment (both free!) and shaking up the gym routine so I lose the additional kg that have crept up on me since I have not been going to the gym and doing the cardio stuff and stop the slightly tight trouser feeling from worsening. I am going to need some help as I don't want to get into the high impact stuff (hurts too much at the moment) but need the cardio side so this is going to be a complete change for me. Let's hope there is a solution.
And I have decided that I am stuck with the carp box car (financially I cannot change this now, will cost way too much) so when I CAN change it I am going to have a car I like and not just one which is economical and suits DH need for image. In fact I might go completely mad and buy another sports car! Some of them are as economical as the box is so why not?
I am still struggling with "it's not fair" thoughts - I need to either say here you are get on and deal with it - which is not fair on him as I did say this was an us matter now we are married OR suck it up and get over it. I know option 2 is the better one I just am struggling with the practicalities of this.Start info Dec11 :eek:
H@lifax [STRIKE]£13813.45[/STRIKE] paid Sep14 paid 23 months early :T
Mortgage [STRIKE]£206400[/STRIKE] :eek: £199750 Mortgage £112500
B@rclays £[STRIKE]25000[/STRIKE] paid 4 years 5 months early. S@ntander £[STRIKE]9300[/STRIKE] paid 2 years 2 months early
2013 8lb lost 2014 need to lose 14lb. Lost 4 so far!;)0 -
Food bill back down to sub £50 for the week - I did seem to spend the whole trip around Tesco saying "no" like a dripping tap. DH has taken it upon himself to do meal planning so that is a positive. It is the crisps and sweeties aisles he has no control over. I made him buy monkey nuts only - take longer to eat as you have to shell them and are cheaper than salted nuts (plus also better for him) as a snack option. We shall see what happens when he munches those.
He has made an appointment with the bank today as they offered him some sort of better loan deal - I have told him NOT to agree to anything without speaking to me first and NOT to extend the loan period and NOT to consolidate any more - we shall see.
He bought us a clay pigeon shoot - I foresee this being the next big thing where he will spend money like it is going out of fashion. I fail to understand how he can possibly not get the REDUCE DEBT message. Live frugal for a defined period of time and then have the option to enjoy in a controlled manner.
How do you get the light bulb to turn on?Start info Dec11 :eek:
H@lifax [STRIKE]£13813.45[/STRIKE] paid Sep14 paid 23 months early :T
Mortgage [STRIKE]£206400[/STRIKE] :eek: £199750 Mortgage £112500
B@rclays £[STRIKE]25000[/STRIKE] paid 4 years 5 months early. S@ntander £[STRIKE]9300[/STRIKE] paid 2 years 2 months early
2013 8lb lost 2014 need to lose 14lb. Lost 4 so far!;)0 -
Food bill back down to sub £50 for the week - I did seem to spend the whole trip around Tesco saying "no" like a dripping tap. DH has taken it upon himself to do meal planning so that is a positive. It is the crisps and sweeties aisles he has no control over. I made him buy monkey nuts only - take longer to eat as you have to shell them and are cheaper than salted nuts (plus also better for him) as a snack option. We shall see what happens when he munches those.
He has made an appointment with the bank today as they offered him some sort of better loan deal - I have told him NOT to agree to anything without speaking to me first and NOT to extend the loan period and NOT to consolidate any more - we shall see.
He bought us a clay pigeon shoot - I foresee this being the next big thing where he will spend money like it is going out of fashion. I fail to understand how he can possibly not get the REDUCE DEBT message. Live frugal for a defined period of time and then have the option to enjoy in a controlled manner.
How do you get the light bulb to turn on?
It is unfortunate but you can't turn the light bulb on for someone else, bit like you can't get someone else to give up smoking until they're ready.
If he's meal planning, that's a step in the right direction, sweets are a problem. Could you tell him sweets make him less sexy in your eyes?:rotfl:Total debt at October 2008: £67,213.30
Total debt today: £0 - debt and mortgage free 29th November 2013 :T
Sealed Pot Challenge member 14
Save £12K in 2014 - £6,521.90/£6K member 138
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If he's meal planning, that's a step in the right direction, sweets are a problem. Could you tell him sweets make him less sexy in your eyes?:rotfl:
Oh that just explodes a whole boatload of worms. DH has a huge body image issue or 12 so that will just mean no sex ever again.
DH went to the bank and managed to negotiate his loan interest down to 7.8% AND it's flexible overpayments no charges AND he has said he will keep paying at the same rate so will come down quicker despite the payments being lower.Start info Dec11 :eek:
H@lifax [STRIKE]£13813.45[/STRIKE] paid Sep14 paid 23 months early :T
Mortgage [STRIKE]£206400[/STRIKE] :eek: £199750 Mortgage £112500
B@rclays £[STRIKE]25000[/STRIKE] paid 4 years 5 months early. S@ntander £[STRIKE]9300[/STRIKE] paid 2 years 2 months early
2013 8lb lost 2014 need to lose 14lb. Lost 4 so far!;)0 -
So low spend day, lovely time in the sun but feeling very blue. Perhaps a glass of wine will help?Start info Dec11 :eek:
H@lifax [STRIKE]£13813.45[/STRIKE] paid Sep14 paid 23 months early :T
Mortgage [STRIKE]£206400[/STRIKE] :eek: £199750 Mortgage £112500
B@rclays £[STRIKE]25000[/STRIKE] paid 4 years 5 months early. S@ntander £[STRIKE]9300[/STRIKE] paid 2 years 2 months early
2013 8lb lost 2014 need to lose 14lb. Lost 4 so far!;)0
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