40 months until debt free... musings and meanderings along the way.

laura2481

Heffi1 wrote: »

Keep going Laura, I know it is hard at the moment, but once you have a plan in place, you will feel so much better about it all.

I agree about getting some help from your husband, if he wants to help then he has to talk about financial matters ahead of time, or not expect you to give over money that you haven't planned and budgeted for. That is a hard conversation, but if he knows you are not going to give him the money when he asks for it, maybe he will revise how much he spends on gifts.

Thanks heffi. You are quite right. We definitely need to work on communication about finances. With this in mind I asked him the direct question today: ' when are we going to talk to your parents?. And it looks lik e it may bed tonight. Phew. Work has been especially annoying today. The boss is a moron who is flushing his business down the toilet, and taking us all down with him. Definitely don't need the stress of wondering wether I'll get paid on monday our not...

laura2481

Well, we spoke to OHs parents tonight and they are loaning us the full £15,000 (the £600 extra is a cushion probably to cover christmas this year..) This will save approximately £1500 in interest and expected debt free date is now August 2015, approximately 5 months sooner! Very grateful, hasn't quite sunk yet. Especially as still worried about wether going to get paid on Monday... I still need my wage! :cool:

ambyence

laura2481 wrote: »

Hi Ambs
How is married life treating you? Not much changed here- when you've been together 11 years you ar practically married anyway! :rotfl: Biggest change has been not needing to spell my surname all the time
xx

11 years is awesome! :beer: Married life is good thanks, but my god we've had some arguments! We did move in together / get married very quickly, so it's to be expected. (Got married so soon mainly so that NH's gran could be there, bless her, she's fab). My aunties and uncles recently said to me the first year of marriage is the worst, if you've not really lived together and are getting used to each others' idiosyncrasies, so I'm holding onto that, lol.

Anyway, I digress - my main reason for popping back in was to wish you well & good luck with the PIL talk Laura xx

laura2481

rosered1963 wrote: »

Hi Laura and everyone.

Laura - good luck and I think you did the right thing telling your OH.

You can do this Laura - you are so organised and focused

I am in a similar position financially - Husband has been unemployed for 6 months now. (We moved to be near folks - no jobs here as in the middle of nowhere full of retired people). He ran up debts and I found out. I wish he had told me. It caused a lot of arguments. But now we are tackling it. I don't know where our money has gone - I haven't had a haircut for a year, We never go out, OH has stopped smoking. Anyway - we have still reduced our debt even though we have a very low income.

The more you pay off the better you feel.
Edit Agree that if family will offer money to take the loan x

Good luck and I have subscribed xx

Hi RR
hope your health is better than it was last time we saw you..
Have you tried CCCS or payplan for a DMP? Maybe take the strain off?
And on the bright side- YH has given up smoking! This is a good thing

ambyence

cross posted!! Very happy for you xx

laura2481

ambyence wrote: »

11 years is awesome! :beer: Married life is good thanks, but my god we've had some arguments! We did move in together / get married very quickly, so it's to be expected. (Got married so soon mainly so that NH's gran could be there, bless her, she's fab). My aunties and uncles recently said to me the first year of marriage is the worst, if you've not really lived together and are getting used to each others' idiosyncrasies, so I'm holding onto that, lol.

Anyway, I digress - my main reason for popping back in was to wish you well & good luck with the PIL talk Laura xx

Actually- our 1 year wedding anniversary was our 12 year together anniversary
I've heard the first year is hardest..and you had a lot of stuff happen very quickly so living together will need time to settle in... OH still does things that drive me nuts and he says I do stuff too (I don't know what- I'm obviously perfect :A) It'll get better. Just try not to go to bed mad..

Heffi1

Hey Laura,

That is great news about OH parents, it will be nice to have some control again, at least this way you save the interest payments and that has to be loads. Will you set up a standing order to their account to repay or have you thought of something else?

laura2481

Heffi1 wrote: »

Hey Laura,

That is great news about OH parents, it will be nice to have some control again, at least this way you save the interest payments and that has to be loads. Will you set up a standing order to their account to repay or have you thought of something else?

We are considering opening and ISA and paying the money into there and then give them whatever interest is earnt too. Doesn't hurt us.. some benefit to them= I feel less bad. Not much, but a little.

Still set up as standing order though so it goes out automatically after pay day and it's done.

rupe34

That is fantastic news Laura - so chuffed for you!

laura2481

Just felt like saying- today I feel like there is a light at the end of the tunnel and for once it's not a train!
Ps does anyone know that if an employer fails to pay you is it breach of contract and could you then leave with out giving notice as they have breached contract first? Any ideas? Just musin to myself. Not seriously considering walking out..but may do if I don't get paid!