Time to get realistic!!

blondeyK

Evening, after having my LBM not so long ago its time to face it.
First up is what we owe, worked out a lot more than we thought. Next up is outgoings, again more than we thought. Its proving hard!
Dh is self employed, has more coins than pros. I too am self employed, not earning anything after rent and products so leaving on 9th march. Currently looking for a job.

With nearly £30,000 of debt, house that needs some work doing and no regular income. Years not looking so great!

But we will battle through and get somewhere!

Mara_uk7

Welcome to the best place youve ever visited ! There is loads of great advice & support around these here hills. Congrats on biting the bullet & facing the debt free future :T

blondeyK

Debts to present:

Barclay card £800
Loan £5,000
Mum £700
Mum & Dad £10,000
Mum & Dad2 £8,000
Van loan £3,000
Dh business £850
Mortgage arrears £1,200

Thankfully we don't have much interest to pay thanks to my parents who have very kindly lent us it to get us out of a deep s**t hole.

blondeyK

Thankyou Mara, I'm addicted already.

blondeyK

So today, first day of school holidays. Day of being a referee to two boys and of housework, boo!! 3 loads of washing later I can see an empty washing basket, wonder how long that will last.

It was a NSD, didn't go out. Have got 2 days extra work this week, tomorrow and wednesday. Why is finding childcare so hard but needs must and all that.
DH still not being paid from a certain job he did, its not loads but still his wage. Think he's going round tonight to see him and try get it.
He's being offered work by his dad but has kindly declined, that is a whole new story!!
I've had a phone call today about going for a job interview next week. I'm not so sure about it but will go and see what its all about. Applied for 3 more jobs today.

Unfortunately no debt busting occured today, only on the usual bills. Hopefully some tomorrow!

Snagggles

Well done on your NSD. Not easy during the holidays!

Good luck with the job interview. I hope it turns out to be something worthwhile, but fingers crossed for the other applications if not!

blondeyK

Thank you Snaggles!

Been at work today, very long and boring day but its extra pennies for the bank. Thank fully I had free child care today and tomorrow is pretty cheap at a kids club all day.
DH got paid today so £350 at the mortgage arrears. We won't be achieving this months mortgage, yet again back in more arrears. Whys its so hard to get the money in to pay the full mortgage payments every month. Seems to be getting harder each month! £90 paid off one of dh's invoices too.

Applied for 2 more jobs tonight, I will get something to help pay this debt off quicker. I don't want to but really need to get on straight and narrow, even if it pays the mortgage every month and on time!

Not a NSD day today, had to get my dad a card and present, came in at £13 instead of the £30 i would normally spend. Can't help but feel guilty and thinking it's not enough. Oh well!

blondeyK

Well another day at work and a NSD today :-) 2 out of 3 aint bad.

Got a phone call today about a job interview, next week. I'm looking forward to going to see, since I don't have much in qualifications and not been in office work since having the children its a great step into work. Fingers crossed!

Off to do the ironing now boo hoo!! Where is the cleaning fairy when you need her?.

blondeyK

Barclay card £800
Loan £5,000 (£600 paid)
Mum £700
Mum & Dad £10,000
Mum & Dad2 £8,000
Van loan £3,000
Dh business £850 (£90 paid)
Mortgage arrears £1,200 (£350 paid)

blondeyK

Another coupleof days at work, long ones! Still tomorrow to get through before my weekend starts.
Interview confirmed for wednesday morning, so nervous already. Only 2 weeks left at my current place, it will be a sad day. I love working there.

No debt paying today but a NSD so a bonus!

blondeyK

Not been on, had nothing new to report! Got a job interview tomorrow morning, feel slightly sick about it. Applied for 1 more today and possibly another tomorrow depending on how the interview goes!

No debt paying this week, DH waiting for some more payments. Debt gone up by £370, car needed work doing in mot and service!

So fingers crossed for tomorrow