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So poor I can't even pay attention
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Hi P, got back late last night and this is first chance I have to try and catch up. Sorry things are still tight. I keep hoping that something will come up for you. x0
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Piq, a friend of mine suggests you try www.indeed.co.uk as wellMortgage: £280,752/ £262,515.84
hmrc:£16760/£5,480.20
evil credit cards: £41,208/ £37,841
Car: £18,800/£13,101.18
Weight 13.9/ 12.6 -1 stone 3
saving for refurb £2000/£700 1 July 20130 -
Please can I take you up on the offer of the CV, that may help, I don't really see it anymore as I read what should be there - that makes no sense, but I know what I mean!
Enjoying a puppy snog - thanks!
Thanks missrir!
Send it on over I will do my worst. (in a nice way)
Also please consider the no shoes / front only option and the 24 hour suncream for days out - you would be amazed as to the effectiveness of it (and horses ability to get it back over you!) if a hat is not an option. We have managed to get several out for the whole summer using this especially with the new formulations on offer. Also shredded paper (beg it from anyone with a shredder) for pee absorbance under the usual bedding helps with costs a lot - semi deep litter style i.e. dig it out once a week or so (I did fortnightly in summer as less of it)
You may be amazed - there are loads of people who are experienced and want a hack nothing more - usually former owners whose steeds are in the hunting sky and can appreciate the older animals needs.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 -
Just wanting to say ((((big hugs)))) Piq
Love Grannyx2Targets
Trip to Australia (On hold until 2022 now) to meet new grandson born jan 21!
Lose 84lbs. Update (minus 65lbs mostly during lockdown as of 18.05.21)
LBM : July 11 - £56,962
DEBT FREE 21-05-21
MORTGAGE FREE 13-06-18
Loving my kitty cat
https://forums.moneysavingexpert.com/discussion/3958715/return-to-solvency/p10 -
Will look into CAB as you and ani have suggested, fairly sure they won't be able to help. I'm the one who has to help me, the system doesn't help it all. It certainly doesn't encourage working!
love to you back!! Piq
Hi Piq, my thoughts re going to the CAB is that it might bring some clarity about your options ie re your mortgage especially if it only has another 4 years to run. They could hopefully point out anything you need to look out for/consider in terms of working versus being on benefit. I was thinking it might help to know for certain about how many hours you can work or how much you can earn without loosing benefit and other linked benefits ie council tax etc. I know you want to work but if things like your mortgage protection stuff is affected you need to know where you stand to weigh up your options - sorry to mix metaphors and hope this makes sense. Basically what I'm saying is that you need the knowledge to plan and make decisions in your best interests - phew got there in the end.
Cant believe how many jobs you have applied for - theres a blog article in there surely? Mr A sends furry hugs and some cat treats from his stash [only a couple mind]. Hugs from me too.0 -
Definitely vouch for no shoes, usually a wee bit sore at first but ours used to survive really well. Glad livery is cheap, I pay £182 a month just for DIY :eek: The joys of living in surrey. Possibly could get a wee bit cheaper but is lovely yard with turnout and stable and only 5 mins from house. Anything much cheaper would be a long drive so balances out. Food not too bad at the moment so trying to budget as much as I can.
Definitely also agree with others re getting mortgage and council tax first, rest can go whistleDebt 13-1-25 - £39K!!!
Mortgage 13-1-25 - £63K
Mt DFW Diary: https://forums.moneysavingexpert.com/discussion/6580353/at-an-all-time-low#latest0 -
I'll 'fess up now, I've done nothing. I got a horrible headache that tablets wouldn't shift and had to go to bed early.
I've just done a shift at the coffee shop and feel like a wet rag, no air conditioning or windows in the kitchen, it was soooo hot. Because the sun is out people are buying plants and having lunch there, it was absolutely manic. I had dirty trays of stuff stacked ten high, three dishwashers permanently going and had to wait 21 tables by myself. There were only three people on. One cooking, one doing coffee, cakes and money and me doing the rest - such hard work :eek:
Now I've got my poor aching feet up and pretending the backache I can isn't mine!
PiqTotal 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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Piq, a friend of mine suggests you try www.indeed.co.uk as well
I already use that site. I have email alerts sent to me every morning.
Also please consider the no shoes / front only option and the 24 hour suncream for days out - you would be amazed as to the effectiveness of it (and horses ability to get it back over you!) if a hat is not an option. We have managed to get several out for the whole summer using this especially with the new formulations on offer. Also shredded paper (beg it from anyone with a shredder) for pee absorbance under the usual bedding helps with costs a lot - semi deep litter style i.e. dig it out once a week or so (I did fortnightly in summer as less of it)
You may be amazed - there are loads of people who are experienced and want a hack nothing more - usually former owners whose steeds are in the hunting sky and can appreciate the older animals needs.
Barefoot is not an option, to hack anywhere we have to do a lot of roadwork to get there. The Captain also has pale sensitive hooves!
I do use factor 50 on him, but even if it's waterproof it gets washed off when he has a drink. He also comes up in huge heat lumps and the hair falls out and then the pink skin underneath burns! For such a alpha male he is very delicate....
I only pay £5 a month for straw, so I'm not too worried about that.
He is not an easy hack. He will sometimes throw a tantrum and stand in a ditch, reverse into traffic or spin for home. Once you know him and the signs, you can deal with it. However, he can be naughty.Hi Piq, my thoughts re going to the CAB is that it might bring some clarity about your options ie re your mortgage especially if it only has another 4 years to run. They could hopefully point out anything you need to look out for/consider in terms of working versus being on benefit. I was thinking it might help to know for certain about how many hours you can work or how much you can earn without loosing benefit and other linked benefits ie council tax etc. I know you want to work but if things like your mortgage protection stuff is affected you need to know where you stand to weigh up your options - sorry to mix metaphors and hope this makes sense. Basically what I'm saying is that you need the knowledge to plan and make decisions in your best interests - phew got there in the end.
Cant believe how many jobs you have applied for - theres a blog article in there surely? Mr A sends furry hugs and some cat treats from his stash [only a couple mind]. Hugs from me too.
I feel punished for wanting to work, silly isn't it? I don't mind earning the jsa amount rather than sitting on my *rse waiting for it to be delivered. That doesn't seem to be the correct way to go about things though.
I will get in contact with CAB. I seem to have a permanent headache that is pulling me down, I think it's due to being fed up.
Although an old lady said to me at the coffee shop that I had the loveliest smiley face and she couldn't believe I kept smiling despite how hard I was having to work! I made one person happy today hopefully Karma rewards me...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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short_bird wrote: »I can testify to that, having been on the interviewer's side of the table:rotfl:
Dodgy hugs.
Hello short_bird, thanks for popping by. Please stay and join in, it's not normally this intense!
Men are a different species to us and have a different mindset, it's less complicated somehow, I envy them...Ah Piq, can the Captain, go barefoot for a while or down to fronts only?
L
Unfortunately, he can't. Too much road work when hacking plus he has sensitive feet. Size eleven plates of meat, but sensitive :rotfl:Maybe the blokes that apply for jobs they aren't qualified for do so as they have a nagging other half that make them do it :rotfl:.
I know I did with the husbandpet a few years ago but he's now found his dream job of working with geeky things in a cexshop which unfortunately means minimum wage but he loves it so I can't complain...... but I do.
With regards to anything Council, as I work for one I do know some workings however if you are relying on things posted into your council don't if our mailroom is anything to go by. I would physically hand anything in to them at your local town hall. The amount of times I get mail for a completely different building is unbelievable considering all they have to do all day is sort mail and deliver it, you'd think they'd actually know where people worked by now. Sorry rant over.
I understand your pain on the job front, I once went for 5 interviews in one day. I actually had a file that I stuck all the jobs I applied for into, then marked whether I had an interview or rejection etc. Basically you make a job of trying to find a job.
I am reading just don't think I have anything worthwhile to say that much but will pipe in when I feel I must (I'm an Aussie it's what we do oh and if it's too blunt tough)
Good luck with everything and follow the advice of everyone in making token payments (in my department we have someone paying back a debt at £2.00 per week, the debt has been going for approx 10 years now and it's still going) you must make sure you have a roof over your head.
Love
Alioops x
Wow! Your OH works in a cex shop! and you don't like it? Does he bring home things from work
Thanks for the advice on the councils. I suspected they were like that, so are the DWP.
I'm dreading making token payments. I've virtually cleared all of my debts I hate the thought of them spiraling out again.Not sure how I'm going to deal with that.
I adore Aussies, be as blunt as you like. As long as you write to me in an Aussie accent you will be forgiven anything!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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Hi Piq - sorry to hear about the headache, hope its a bit better. Guess all the stress and heat isn't helping? Your description of the coffee shop reminded me so much of mid summer in the cafe I worked in. Absolutely boiling - no air and no windows that would open. Couldn't have the back door open in case stuff got nicked :eek:.
We didn't have a dishwasher so did it all by hand. One particularly busy lunch time when there were only two of us on we could only serve food and clear tables but not wash up and eventually ran out of cutlery and plates. The trays were stacked everywhere and we had to wash up a bit as we needed it. One kind customer could see what was happening and offered to wash up for us :cool: but had to turn her down as she wasn't insured. I used to go home and just lie down for an hour to rest my feet and back after a shift on a busy day so you have my sympathy. I've got friends who think they'd like to retire early and open a cafe as it'd be a lovely relaxing thing to do - I laughed like a drain when they said that.
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