Reeling from the Reality Check

grannyx2

Well said EE, we all deal with our households and budgets differently.

Personal opinion is fine but taking the time to reread what you've written and whether it can seem like an attack is important. When someone is already having a very difficult time they need support not judgement.

Hugs HB, I hope something that makes you smile happens Soon x

dory22

Historybuff wrote: »

So. The budget is going ok. I'm managing to stay on track and am aiming to build up a £3000 reserve, so that I can pay the annual bills when they come up, without stressing. This month I'm aiming to end with £300 left over. This will be due to spending less on food and putting any carboot money in. Now all the payment plans are in place I feel a lot calmer about the debt situation. Why on earth I went so long in financial chaos I do not know! I so wish I had sorted it out years ago, but maybe it takes getting to crisis point to make you do it...
Oh well, now is the time. Retirement planning is looming. I have to stay full time until the mortgage is paid off, so that means at least another seven years. Any younger people out there, please take notice and sort your finances out sooner, rather than later.

hi HB just started reading your diary, iv been lucky iv never had any debt, getting into debt its my biggest fear, i'm 28 have never had a credit card, an overdraft or anything on contract.

so glad to see your getting on top of things.

Brogden

Hi HB x

I am so sorry to hear of the misfortunes Its not been the greatest time here either but I have always thought there is something about the run up to Christmas which causes very unfortunate things to happen - remember though there is a new year on the way

I think the best idea is to wait for payday, pop a cork, chillax and enjoy your time off work

Gotta chip in to the discussion here......everybody handles the finances differently - some share the burden, some don't, some put ketchup on their chips and some don't. Some people are 'doers' and 'sorters' and some just ask for help. HB is a doer and sorter .......and she knows it!

Brogden x

Ellsbel

Sending more hugs, HB - I think that's probably all you need right now.
Hope you're feeling a bit stronger today.

Historybuff

Thanks, everyone. It makes such a difference knowing there's people out there listening and supporting. Looking at things a bit more in perspective now I've had time to calm down. Father can get treatment that will let him carry on the way he is now for years if it works, so fingers crossed on that front. The fireplace shop have been really sympathetic and have contacted the manufacturer with what happened, so they are going to make us another one and we can pay the cost price, basically cost of materials and manufacture. It will be ready in the New Year, so time to save up. I know the situation is never as bad as it appears, but in the thick of everything it feels like the world is ending. Room painting will be finished today, so I can get the carpet cleaned later, furniture shuffled around and the tree up. Massive tidying and cleaning day today. Just plucking up courage to see if have been paid...

Historybuff

Not paid that's it till Tuesday then. And, dory, you are so doing the right thing. I hope my young people take note and try to stay debt free. Apart from mortgage, of course, if they can ever get one.

grannyx2

Glad things aren't looking quite as bleak. Lots of love, hugs and support. Hope your weekend goes well x

Puzzcat

Hi HB, Nice to hear some good news about the fireplace. Sorry your pay hasn't arrived in time for the weekend. On the upside you will be able to shop on tuesday/wednesday and grab some bargains...!!


Puzz. x

Aloofdragon

Fab news about your Dad, and great the fireplace company are helping out a little too, !!!!!! no pay tho but will soon be Tuesday especially as you have loads to do to stay busy, and as Puzz said there will be loads of sales on then, so glad things aren't so grim xx

in_need_of_direction

You're the queen of making nothing stretch to payday. This will reduce by 1 the number of weekends til the following payday.