Enjoying the Sunshine whilst Saving for the Rainy Day

grannyx2

Agree with Amber as regards to lending any more. I really do hope that I'm wrong but I've got a sneaky suspicion that you won't be getting your money back come pay day.

Granny x

Eager_Elephant

Now that Crisis Loans et al do not exist any longer we have a new scheme administered by County Councils.

They now help people in work - this is for your area - http://www.essex.gov.uk/Health-Social-Care/Care-for-Adults/Staying-Independent/Benefits/Documents/Essential_Living_fund.pdf

Also there will be food banks available to her.

Sometimes a bit of tough love is needed. I have to say that I would have lent the first time and hoped my instincts were right.

The doorstep lender will be collecting approx £10pw to clear the debt and the pawn brokers will allow her to roll the debt over for about £40 so she shouldnt be too skint on payday and should be able to pay you back.

slm6002

It's a hard one but as others have said a little tough love and information giving on where she can get help is the best option. I lent friend money for her car to be repaired years ago (before family and my own debts!) and still never got the whole amount back. Have written it off as gone. Hope you have some luck getting it back. Perhaps a small box of food that will keep them going rather than the money next time - at least you will know they are getting what they were needing rather than the McD's that they just fancy

debtfreewannabe321

Thank you for all your sound advice :T The thing with me is I hate saying no, and I can always tell when someone is after something and feel pressurised into offering before they even ask (as in this situation) I hope she does pay back, funny thing (well ironic rather than :rotfl:) is that her hubby got back from Afghan in December and they had over £8k. It's been totally wasted and I was just :eek::eek::eek::eek: at some of the things they had spent their money on. Now they have debts still and her hubby is getting out of the army so that money could have been very handy in clearing debts and putting money aside for removals Oh well there isn't much I can say now but I think the majority of money was wasted, as was the £100 I lent her. However it's been a valuable lesson to me and I will be saying NO from now on no matter how hard I think saying that one word is :rotfl:

I've counted the cash in my cash tins this morning and I have £190 left until pay day which is 13 days away. :T I think this should be easy enough but time will tell. It should be plenty to fill up my tank enough to get us to DH's niece's party (200+ mile round trip) and to pay for food for next week. I will roll over any cash left in the tin for the petrol, kid's club and clothing budgets and anything left in the grocery spends will be put into savings (if there is any left that is....).

Today I have a £1 spend for youth club for one child. The other child that I normally pay for to go is going to a friend's house for dinner :T so £1 saved . I will also have parking costs as i've been invited to lunch (their expense) in town, but I will need to pay for parking. I was debating taking the bus but i'm not sure what time the lunch will finish and I need to be back for the school runs (and buses seem to take forever to get from town to my street here!) so for the extra few quid I will suck it up and pay it The kids and DH will be fed fish & chips later on and if my lunch is heavy I think I will have a bowl of soup instead . Food is lasting well so far although I'm wary we're only on Tuesday :cool: Once I get to Weds/Thurs I begin to relax more as I know the food will be stretched until the weekend shop .

I've woken up with stiff, achy joints today. Is this what happens once you turn 35??? :eek::rotfl: Everything feels like it is ready to be swapped for a newer model :eek: Anyway I will have a quick catch up with some of you before I head out

jwil

Good advice from the others regarding your friend. It's difficult to say no, but there's no point in enabling her.

When we moved last, our existing mortage co refused to let us port our mortgage, despite saying that we could before. In a panic I called London and Country that :money: recommends. They were brilliant and sorted us a new mortgage nice and quickly. If your OH doesn't have any particular advisor in mind, I'd certainly recommend them.

debtfreewannabe321

Morning all,

I had a lovely lunch yesterday and only spent around £10 on shopping (few toiletries and some cheap batteries) and then £3.50 on parking. I paid for the parking and then had to chase my ticket half way across the car park as it blew out of my hand :eek::eek: Every time I thought I could jump on it it blew that bit farther away i looked a right fool :rotfl:. Thankfully I got it right as it was about to blow over the top of the wall and as I was 6 stories up i'm glad I didn't have to jump off after it

I made it back to pick the kids up with seconds to spare :eek: and had a mother come over screaming at me about the incident I mentioned at the beginning of the week where I had to tell the head about something one of the kids was talking about in the playground. Well the child's mother found me and went mental. I was up for it though considering i'm very PMT like at the moment :mad: she backed down and changed tact and decided that I wasn't to be shouted at but we should gang up on the mother/child who she thought was to be held responsible for her daughter saying these things! I didn't agree, although she could be right, so going into the playground right now is like a battle zone I HATE the PLAYGROUND!!!!!!!!!!!!!!! :mad: And next year if my neighbour hasn't moved I will be sharing it with her as well as everyone else I seem to fall out with *sigh* sorry for my huge rant, just so fed up it's really getting me down.

On the plus side the present I ordered for a kid's party this afternoon has arrived finally with hours to spare! Now I need to find wrapping paper and that's that job done! My friend who I lent the money too was dropping hints this morning that she didn't have money to get the child a present nor a card. I told her not to worry about it as they're my neighbours (nice ones) and they really wouldn't mind if she couldn't find the money for it and I offered her a card from my box that I keep with spare cards in (didn't tell her about the present box :rotfl:). She's just text me telling me she has found some money for it after getting a refund on some management fees (??) so i'm glad I didn't say, here's £10 for you to go get a present!

I've checked my bank, money is pending for tomorrow so i've transferred the money from the bills account. I still have the £117 in there which is still "spare" at the moment :T I look forward to sending that to my ISA if things stay the same DH keeps asking if I have any money to which i've been coy and told him yes but it's all allocated he just wants it for beers and tobacco so I didn't want to say yes!

Right anyway i've rambled enough about utter rubbish, again. So i'll check out some diaries now with some trashy morning tv. I'm too tired thanks to that time of the month to do much more!

debtfreewannabe321

To cheer myself up I've put another £100 over to the ISA! Just hope nothing crops up now :eek:

debtfreewannabe321

My friend has won the lottery :eek:!!! The one that I lent the money too :T :j it was only a couple of hundred but this should hopefully mean they will be ok till the end of the month and I will get my money back on time

I've been to the butchers and stocked up on meat for the dog (who eats better than us :eek:) and i've been given some lung from him to try with the dog *insert sicky face here* I've had to ask a friend to cut it up for me and bag it I am so squeamish I thought I was going to be sick in the butchers, how embarrassing! It reminded me of the time my biology teacher handed around the cow's heart for us to put our fingers into to see how squishy it was! I nearly fainted and was then sick outside haha I clearly haven't hardened any for this sort of thing !

Spends were only a fiver though so within budget still for dog spends this month :T

DH is finishing early today so he can come and help me do the school runs and also help with controlling the kids whilst I cook or vice versa!

Right-O washing has finished best get it on the line! Catch you all later

mummytogirls

Hi DFW,

Yippee to your friend winning the money, hope she pays yours back quickly!!

Gipping at the dog food haha xx

slm6002

yay glad it looks like you will get your money back. lets hope she uses the rest wisely. I am no good with lungs etc - got very wobbly. thankfully we never did much like this at school