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Mr and Mrs K's New Journey to a Debt Free Life.

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  • theoretica
    theoretica Posts: 12,691 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Has Mrs K tried negotiating a payrise - or at least a guarantee of her supervisor's role? I am sure the employment board here could help with suggestions of the best way to tall her employer she loves the variety but can't deny £15k more + benefits is a temptation to move to a less interesting job...

    Sounds like little K is less afraid of other people than his dad - just how corrupting do you think a toddler can be?
    But a banker, engaged at enormous expense,
    Had the whole of their cash in his care.
    Lewis Carroll
  • AlexLK
    AlexLK Posts: 6,125 Forumite
    Debt-free and Proud!
    theoretica: Mrs. K. is going to speak to the MD on Monday about her current role. :) I will post a message on the employment board. She is currently on the phone to someone who works at new company asking a bit more to fill in the list on the previous page as we thought it so helpful.

    She is mainly reluctant to move due to the nature of the new job, she knows that whilst in many ways it will be easier (less variety of project), it will also mean it's rather boring. The new company has a lot of massive contracts building new supermarkets and buildings of that size and type.

    :rotfl: Our son loves to see other children around his age. I'm not concerned of the other toddlers more of their parents. We live in an area that has a very wide range of people locally.
    2018 totals:
    Savings £11,200
    Mortgage Overpayments £5,500
  • You're being snobbish re the nursery Alex - and what you said was rude! If everything else is good except their educational activities, ensure you make up for that at home :) It will also be good for your son to mix with a range of children from different backgrounds...and make sure you're not pushing him too hard with learning. He is a CHILD, not a very short adult. (I'm a very short adult ;) )
    Nobody likes a pushy parent, least of all the kids - and the pushy boastful overprotective parents are the ones who get laughed at. I also hate to say it - but a snobby parent can ostracise a child from his peers.

    Okay, that's my rant done.

    Well done for speaking to the creditor, and good to see that signature changing :) I really hope between the docs and Mrs K. your mental health will improve. I think once you actually get a debt paid off you will get more motivation to keep going.

    Enjoy your wine tomorrow!

    HBS x
    "I believe in ordinary acts of bravery, in the courage that drives one person to stand up for another."

    "It's easy to know what you're against, quite another to know what you're for."

    #Bremainer
  • AlexLK
    AlexLK Posts: 6,125 Forumite
    Debt-free and Proud!
    Friday 20th September, 2013.
    Day 19.

    Dear Diary,

    Today started early and has been reliably hectic with little time to deal with any drama. Fortunately, the drama was rather low today apart from our son doing something I am far too polite to mention on here. Anyhow, as usual when my wife is home we have got more done in the space of one day than I usually manage to do in the space of five.

    On the debt-busting front; first of all, I am rather proud to say the final creditor I was having problems with has agreed to a reduced payment for six months with the interest frozen. Secondly, we are now £1,200 closer to our target for Full and Final settlements after ringing up a contact from the classic car meet Mrs. K. and I regularly go to about the bonnet.

    I have once again been to bother the doctor with my problems, this time with my wife not letting anything stay a secret, no matter how embarrassing. Whilst I do not feel any better, I am hopeful something will get sorted soon. However, as expected no miracles on that front have occurred. All of you on here will probably be pleased to know (despite the cost) our son is going to be going to nursery for an afternoon on Thursday 26th September. Mrs. K. and I have been advised to stay for the first hour (should we wish) to see he is alright. However, today he didn't want to leave and was astounded to see so many children his age (we live in a rural area and don't see many children) I was surprised by his reaction but not impressed that the lady in charge seemed not at all interested in our son's developmental milestones chart we took along. As I mentioned previously on here, they seem rather disinterested in developing our son's pre-school education with little emphasis on achievement. Still, we are going to try and see how he gets on.

    Summary:
    -£2.40 2x Coffees at a Cafe.
    -£25.00 Credit Card Payment.

    Yours Faithfully,
    Alex.
    2018 totals:
    Savings £11,200
    Mortgage Overpayments £5,500
  • AlexLK
    AlexLK Posts: 6,125 Forumite
    Debt-free and Proud!
    You're being snobbish re the nursery Alex - and what you said was rude! If everything else is good except their educational activities, ensure you make up for that at home :) It will also be good for your son to mix with a range of children from different backgrounds...and make sure you're not pushing him too hard with learning. He is a CHILD, not a very short adult. (I'm a very short adult ;) )
    Nobody likes a pushy parent, least of all the kids - and the pushy boastful overprotective parents are the ones who get laughed at. I also hate to say it - but a snobby parent can ostracise a child from his peers.

    Okay, that's my rant done.

    Well done for speaking to the creditor, and good to see that signature changing :) I really hope between the docs and Mrs K. your mental health will improve. I think once you actually get a debt paid off you will get more motivation to keep going.

    Enjoy your wine tomorrow!

    HBS x

    I am aware that what I have said may come across as being "snobbish". However, very close to the nursery (and to the others locally) is a rather rough council estate or "housing association": a lot of the children's parents are single mothers in their (early) twenties without a husband or a stable job. Many of them have a couple of children by different fathers.

    On the other note, I hope I am not guilty of being a "pushy parent" and I will try my best not to be too involved to the point of my son becoming ostracised. In fact, I am not planning on talking to the other parents at all.

    Thank you and I do hope my mood starts to lift too, currently really having force myself to stay at all positive.

    Can't wait until tomorrow evening, about 6.30pm to sit down and enjoy dinner with wine. :)
    2018 totals:
    Savings £11,200
    Mortgage Overpayments £5,500
  • 7roland8
    7roland8 Posts: 3,601 Forumite
    Debt-free and Proud!
    Great news about the bonnet - and the nursery.

    I'm sure your son will love it - and you or your wife will be able to see that he is settled if you stay a little.

    Oh dear - I cringed inwardly when you said about taking a development chart along.
    Not everything your son does has to be labelled as 'educational' - though he will be learning nonetheless. Won't him actually being there and learning to mix, socialise and share be enough to start with?
    He can have plenty of the other hands-on stuff at home - numbers, colours, alphabet etc - he doesn't need to be hot housed. You can play shop with tills for counting - or count anything really - then he can just have fun at nursery.
    Great opportunities to help others seldom come, but small ones surround us every day. -- Sally Koch
  • 7roland8
    7roland8 Posts: 3,601 Forumite
    Debt-free and Proud!
    AlexLK wrote: »

    On the other note, I hope I am not guilty of being a "pushy parent" and I will try my best not to be too involved to the point of my son becoming ostracised. In fact, I am not planning on talking to the other parents at all.

    Alex I am sure you get all sorts all over the country.

    I do not think 'not talking' to people there will help you or your son fit in - it will just look stand-offish - not everyone there will be common trailer trash. Being friendly and chatty, as you are on here, will help you both be accepted. You may find new music clients or even help out with some music stuff - who knows - just be open to what develops.

    Some of these kids may become his friends for many years - so don't make enemies of the parents before you start.
    Great opportunities to help others seldom come, but small ones surround us every day. -- Sally Koch
  • AlexLK
    AlexLK Posts: 6,125 Forumite
    Debt-free and Proud!
    Roland: We do lots of educational play at home, my wife and I are always trying to come up with new things for him to do. We like playing shop more than he does! :D

    Not quite sure what is cringe-worthy about being interested in our son's educational and personal development?

    To be honest, I want to prepare him well for school in order for him to be in (and stay in) the top 10%. There are no reasons he should fall behind nor be an average child as his mother and I are both intelligent and so are my parents. :)

    I do of course also want him to learn to mix, socialise and share with others too and I am positive nursery will be better at facilitating this than my wife and I.
    2018 totals:
    Savings £11,200
    Mortgage Overpayments £5,500
  • AlexLK
    AlexLK Posts: 6,125 Forumite
    Debt-free and Proud!
    7roland8 wrote: »
    Alex I am sure you get all sorts all over the country.

    I do not think 'not talking' to people there will help you or your son fit in - it will just look stand-offish - not everyone there will be common trailer trash. Being friendly and chatty, as you are on here, will help you both be accepted. You may find new music clients or even help out with some music stuff - who knows - just be open to what develops.

    Some of these kids may become his friends for many years - so don't make enemies of the parents before you start.

    I am aware that not all the children will be from "trailer trash" backgrounds. :p:)

    Personally, I do not wish to talk to the others for our family to be labelled anything derogatory - I was trying to do my son a favour by being as less involved as possible. :)
    2018 totals:
    Savings £11,200
    Mortgage Overpayments £5,500
  • AlexLK wrote: »
    I was surprised by his reaction but not impressed that the lady in charge seemed not at all interested in our son's developmental milestones chart we took along. As I mentioned previously on here, they seem rather disinterested in developing our son's pre-school education with little emphasis on achievement. Still, we are going to try and see how he gets on.

    The more I read the :mad: I get. Just what do you expect your almost 3 year old to 'achieve' pre -school? I would have thought a happy disposition, the ability to communicate, age appropriate manners and not to wet himself too often, would be your starter for 10. You are at risk of becoming a helicopter parent.........the worst kind of parenting in my view - professional opinion.

    Single parents with children from multiple partners........... I could almost hear the sneer in your post.You need a dose of RL Mr K and possibly Mrs K from what I have read so far.

    Live in a house that is too small for you.........how many double/triple wardrobes do you have stuffed with trinkets and clothes you never use, in that SPARE room? If it was a social housing property and it was a spare room and you had to claim benefits you would actually be having benefits taken off you for having a spare room...think about it. Maybe you ought to do some voluntary work helping those less fortunate than your self.

    I live in a large house in rural,mountainous beautiful location (never felt the need for a Land Rover - have learnt to drive in the snow which is pretty much guaranteed every year.) My OH and I are university educated as are our children and a we both have well paid jobs. I have no experience of living on benefits or being a single parent so no axe to grind.

    Do you have a full length mirror in your spare room Mr K? Take a good long look at yourself in it. I wish you well in your marriage health and debt freedom quest. I am out of here
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