Determined this is my last debt diary

clearmydebts

We ended up bringing poor DD to the out of hours doctor last night. As soon as I came home I rang the centre as she looked awful. Turns out she has tonsillitis, poor thing So between the out of ours fee, antibiotic and having to eat take away food we had to put €100 on the credit card :eek: A sick child is a sick child though. It further emphasises the need for my anti-anxiety (emergency fund). I will start this when OH gets paid on Friday.

abba1772

Aww bless hopefully the medicine will make them feel better xx

Some things are just out of our control but I agree with the emergency fund xx

clearmydebts

abba1772 wrote: »

Aww bless hopefully the medicine will make them feel better xx

Some things are just out of our control but I agree with the emergency fund xx

I have put €100 aside this month into an emergency fund. I will be dipping in and out of it but I guess that's what it's there for!

clearmydebts

Haven't been on in a while. It's all go here. We have all our paperwork ready and are meeting the broker next Tuesday to put in our mortgage application. There are a few things with our application that makes me think they are going to come back and say come back to us in 6 months time.

In the meantime, the house we love has been reduced by €20,000 so it is definitely at an attractive price for us. We are going to see it again tomorrow but I've a feeling it will go quickly and not to us.

And in other news, OH is going for a job interview today. This job has come up out of the blue. Jobs in OH's area are few and far between. He really doesn't like where he is so I would love for him to get it. Plus there are perks too - a free gym, free lunch, health insurance and he could get public transport a few days a week to it too, so would cut down on the need for 2 cars, and presumably a wage increase. However, it could put a stop to the mortgage as you would need to have passed your probation, which will probably be 6 months.

Weighing everything up though, I would prefer if he had a happier work environment, so if it means another 6-8 months without a house, so be it.

I am so sick of putting all (I mean all) our money into savings or credit card. I haven't bought clothes in such a long time. Our life has been on hold since 2012, no foreign holidays or mad expenses. I just want to 'live' again!

I know what will be will be, but it's good to vent!!!

starnac

I know what you mean about your life being on hold. I feel the same way. It's so frustrating isn't it?

Fingers crossed for both your mortgage application and OH's interview.

I was shocked to see on FB that you have to pay for medical care. I obviously missed that in the news, that's terrible. It makes me so nervous that the government seem so hell bent on selling off the NHS. It was put there for a reason and that reason is still there now!!

Sorry I won't rant on your page. Hope everyone is well again x

clearmydebts

starnac wrote: »

I know what you mean about your life being on hold. I feel the same way. It's so frustrating isn't it?

Fingers crossed for both your mortgage application and OH's interview.

I was shocked to see on FB that you have to pay for medical care. I obviously missed that in the news, that's terrible. It makes me so nervous that the government seem so hell bent on selling off the NHS. It was put there for a reason and that reason is still there now!!

Sorry I won't rant on your page. Hope everyone is well again x

It's a disgrace. We already have to pay for the GP and prescriptions and now they are putting a loading onto private health insurance if we don't purchase it by tomorrow. Still haven't purchased it. Am so resentful of having to pay €68 a month for a really bad health service. Not sure if I will purchase to be honest.

Yes - very frustrating to have my life on hold. I just want to get on with stuff and have a house. Not even much to ask for lol. Not even like we are going to be living in a fancy town, although the estate we want is lovely.

Everyone is well thanks x

starnac

What happens if you don't get the health insurance?

€68 a month is disgraceful!! :eek:

debtfreewannabe321

I could have written that post above about your life being on hold! We lost out recently to a lovely house because the mortgage company lowered their offer at the last hurdle we're trying again but we can't afford anywhere near as nice now. I feel like i'm just waiting in a rut to move on.......! Hope it's good news for you on the job & house front xx

clearmydebts

starnac wrote: »

What happens if you don't get the health insurance?

€68 a month is disgraceful!! :eek:

You get a loading, so for every year after you are 34 if you take out private health insurance you have to pay 2% more than anyone under 34. So if I got health insurance tomorrow I'd have to pay 8% more because I am 38. It's scandalous.

I got it anyway but really resent it as it's the basic package so not worth a thing

clearmydebts

debtfreewannabe321 wrote: »

I could have written that post above about your life being on hold! We lost out recently to a lovely house because the mortgage company lowered their offer at the last hurdle we're trying again but we can't afford anywhere near as nice now. I feel like i'm just waiting in a rut to move on.......! Hope it's good news for you on the job & house front xx

So sorry to hear you are going through this too DFW321 It's such a horrible feeling, this feeling in limbo. Can't believe the mortgage company did that to you. You must have been devastated.