Mum2one - next chapter - baby steps make big strides

mum2one

to be honest you've hit ebay on the spot, 1 bad apple spoils it for all.

The food fair was luch made sure we got plently of samples, nicest was mulled cider, thou did a few goodies, 4 bars of fudge, lasted 5 mins!!

DD looking forward to her trip, shes going on the zip wire, it do her the world of gd. xx

mum2one

What a week,

Sunday - ended up having an allergy attack from a cherry yogurt!!, so monday just a very quiet day.

DD went on her school trip Wed, back on Fri, they've gone to an adventure centre with the school, she went last yr and loved it, hopefully shes having a good time.

So had a list of to do jobs!!

Wed - Managed to get birthday prezzies wrapped to Dec (including DD) 9 sets of people, lucky mum helped, but ended up with an asthma attack, ended up at walk in, quicker than a+e, they were really great got that sorted, got to rest for couple of days, but due to the attack on Sunday there referring to see specialists, so should get some more answers.

Good side - As DD had her bday prezzie - hot air flight, got few bits to open, but she choose them so got her a cheap Mp3, and ordered new one for me had a voucher had cheapie one does the trick. So uploaded both tonight, so when she gets it, be all set up for her.

Best news - As we've been mucked about by the CSA, left lapland very tight, - although shes giving us £300 which pays for the trips, (preebooked when we booked holiday), knowing money but tight, (they don't know the full mess!), she had an offer with her credit card not used it in ages 0% for 9 mths, - so shes going to lend me rest for lapland, big phew, - but I want to get it paid off before the 9 mths.

Got my books and dvds etc for next OU course - have a look next week, introduction to social sciences, - wanted to take a yr break but if I did wouldn't get reduced fees, so picked a level 1 course. Keep me out of trouble.

xx

taxi73

plenty going on for you..hope you get to bottom of the allergies..it may hep to keep a food diary to see if there is a common denominator ie ingredient etc

mum2one

Money Update.

Yes to CCCS
Aqua
Halifax Loan
Vanquis
Halifax Bank acc
Evans

Awaiting
Capital One - (CCCS going through their system)
Barclaycard - (CCCS going through their system)
Halifax Card (but theyve said yes to loan + bank acc)
Argos - (not as bothered as the payment theyve been offered is the same as their min payment)
Studio



50% have agreed and thats before any payments have been made, but the pain in 2day post - 2 statements money due b4 the CCCS starts,

Aqua - £23 - which is what agreed with CCCS - don't mind that
Cap - want £60 - getting lot less already made 1 payment to both this month! hate 28day statements there always a month you get caught!


Still on IOUS ....... carry forward till Oct for a small payment!!
pet ins £43 (should pay end of Sept to dad - but that be Oct)
chq book -150 (pd £50 27/9) £100
dad visa 1 -200
Visa 175
car- 290

Its just been trying to pay and save the months money for CCCS. Done with a matchsticks breath.

mum2one

Got DD back safe and sound from her school trip she absolutly loved it, thou hit probs when we got home, she saw a bird by the hedge, - broken its leg, so she tried to look after it, knew the enivatable would happen, but by then she had named it, cuddled it, got a box for it, so we have had heck of a night, since all the saga with her dad she focuses and everything gets magnified by 10, emotions the lot, apparently its normal!!

Spoke to CSA just seem to be getting mucked around by them, the advisor knew nothing so asked for a manager, who explained everything, now have more answers than i really wanted, going to be a big roller coaster.

Just see what happens this week, at least off up coast next Sat for day, xx

mum2one

Paid mum £50 back they lent me, so that helps, been v quiet, had tummy bug since the weekend, so haven't been able to do much. - Just realised hit 4k repayment this yr! (£624 to go to CCCS oct, Nov, dec - - £376 left! ) Intend to hit that 5k target! xx

The weather so cold, - gone for my winter quilt.


Hlaifax are being a pain, - they have refused to even entertain my bank charges - going on the basic of low income, and they turned round and said i wrote a lot of cheques, doh - if your income being eat up in back charges your going to write chqs to pay some money off credit cards I had to use to live on, - so next week going to ring FOS, and see if theyre help - hopefully they will as I was on benefits then, so with the charges they were taking me below legal level of living. So another fight, not that I have enough on my hands!!

Need to give myself a kickstart for Oct and get resorted be easier as everything will go via CCCS, - at mo were 5 creditors said yes to me, 5 I haven't heard from, (the bigger one loan, - expecting probs have been brill, and said yes straightaway).

Onwards and upwards and hope for the best x

taxi73

Glad DD is back and that she enjoyed her time away.Poor little love with the bird saga.

I'm sure you'll get sorted with the debt stuff but it'll just take time and loads of frustration.Seems like some of the companies are being ok though and the others will eventually accept.

mum2one

yipee paid my 1st payment to cccs, actually feels real now that I'm on the debt free journey.

Quiet here, been away for w/end in Wales for DD bday, gd weekend, and nice break, poor dog shattered with all the sea air! xx

mum2one

Sods law - done my good knee in, think damaged ligament, just heard an almightly rip....

Bless her DD - she had some bday money that she didn't want anything from the person, so she asked could she give it to charity, - so took it to our local Dogs trust, they were plzed, it was £20, she was talking to the lady and told her we'd got a Spaniel, the lady said it would feed a Spaniel for a month, some treats and some left over for electricity.

Some good news - a friend of ours he's got a Spaniel and he and our last dog were inseperable when they met, - he got told the dog had cancer, due to his age it would be too big an operation, and chemo etc be no gd, so he was living on borrowed time, this upset us all, and worse for DD as for her it was like losing our last dog again, he had some brilliant news his vet had done some research and there was a new op available, and another vet was prepared to try it, - good news it they got the tumour out in one go, the dog had op fri, home sunday, and he's running round like a baby.
With everything DD had to go through over her dad being in contact she focused on one thing and will magnify that x 100, apparently we have to cope with it and support her. It was so good to see a smile on her face, esp with whats shes just been through. xx

mum2one

I could rant over money, its just been sods law that some of the agreements set up, the creditors started them in Sept, not Oct when CCCS kick in, so have just had to pay £90 today, in theory should have been £150 for the payments, but can't get blood out of a stone.

Then the car - flat tyre - only new tyre brought in July, luckly was slow punture, got a nail in it, - only £10 to fix, (big phew)

Next big expense car insurance start of Dec, - luckly as get my money 4 weekly, different times throughout the yr get a 2nd payment end of Nov get £230 extra, that should help make a big dent.

I almost feel like I'm an OCD, got 2 spreadsheets, - 1 copy of what the bank have cashed in/out, and then a 2nd with actual spends, that way account for cheques not cashed. Feels so weird down to 2 debit cards, 1 x main account, 2nd - CSA money account, which is basically zero, easier to manage if any comes in!!
Then a little notebook in handbag with the figures in,

Up to £1 shop for some sweets for the kids Sat, - got a pick and mix of sweets, small bag popcorn and bottle of vitmo for the film,

Party bag (very mse)
Girls

Mug, sweets, lipgloss, comb, pen and notebook, gift set with mini purse, sticky notes, + choc = worked out £2 per bag to make, (sale items normal price £8)

Boys - Book, Creative set, and build your own car and some sweets £2.50 bag

we've got 6 including DD, dads got to come with me need 2 cars - got film £7 for all of us, (got free ticket), estimate £70 for pizza but hoping to bring that in cheaper.

Without going on the DMP plan couldn't have done it. xx