Carrot cake in the oven

supersaver1000

:eek: doesn't bear thinking about .... :rotfl:

supersaver1000

Just managed a 10 pointer on nectar ads - BBQ meat. :T

supersaver1000

Shopping with DD this morning in MrTs
Then off to our local gardens/country house to find out about DD volunteering and had a nice (and free) look around.
DD baked some lovely things for the summer fete tomorrow.
BBQ at the in laws tonight.
Night all.

supersaver1000

School fete was great (I'm a poet and don't know it) :rotfl:

DD had prizes for baking. Sadly I spent more than I should - but all for a very good cause.

DH loved his Father's Day gifts - very MSE

Legs very achey now, but was a great day.

Hope everyone else had a great day too (to top it all we had the big yellow thing). :-):rotfl:

Ali-OK

Sounds like a really good weekend. How did DD get on with looking to volunteer?

Ahh, so that's where our sunshine is! Send it back please, I want the free Vitamin D.

supersaver1000

Hi Ali. Really enjoyable weekend thanks, you know when you are so busy there's no time to sit down.

The volunteering should be a go. There is helping in the visitor office or helping in the bookshop. DD would like to help in the bookshop and I will need to go with her to start with but I'm hoping once they see how good she is they will let her go on her own. There are less regulations around volunteers but it may depend on their insurance. We'll have to see, but it would be good for her to have on her CV for when she is old enough for a Saturday job.

Hope your weekend was good? I'll pop over and catch up in a min :coffee:

supersaver1000

Feels like the money saving has gone a bit off piste. I've bought a dehumidifier for £40 from flEaBAY and also paid £35 for the osteopath. Plus I bought a handbag at the fete over the weekend. Was a good buy for £26 but that's over £100 in a blink and I must be careful in future.

We also didn't menu plan this weekend so had a couple of trips to the co-op and Tesco .

I did get a £60 cheque today on a clothing sale and I am getting about £300 in lieu of holiday at the end of this month as well, but I will rein it in now as I need to pay my car tax and buy 2 new tyres and want to start off July as I mean to go on.

I'm really trying not to get all negative Norah. Mr SSaver is a bit doom and gloom sometimes. He throws out some very negative and sometimes nasty comments but then that's it he's forgotten. Whereas I absorb it and brood on it and he's quite happily offloaded his D&G.

He's made a couple of comments about my forthcoming reduced earnings but it's not even happened yet and we won't be affected until August so I think he needs to wind his neck in. Especially as the debt we are in is mainly due to him.

He's a good hubby in the main but I've had to learn to deflect certain things - father in law can be very nasty when he's in a mood and I think it's a learned behaviour he's passed onto his kids. Funny how some people lash out at others when they feel bad about themselves - is it called projecting - whereas I'm in the camp of criticising myself.

Ooh what a moany old post this is turning into, but it helps so much to get this off my chest. I've been reading some lovely upbeat threads lately and promised myself I would try to do the same. I'm thinking about starting a new more upbeat thread for my next chapter. Just got to think of a title for it now.

Ali-OK

Offloading that stuff SS is what your diary is for.

Have you projected your budget with the new income so DH can see it's not going to be all D&G (have to say when I first read that in your post I thought ooh he's got some D0lce & G@bana stuff to sell :rotfl:)

You were up ridiculously late/early again :eek:.

supersaver1000

:rotfl::rotfl:

Ali-OK wrote: »

Offloading that stuff SS is what your diary is for.

Have you projected your budget with the new income so DH can see it's not going to be all D&G (have to say when I first read that in your post I thought ooh he's got some D0lce & G@bana stuff to sell :rotfl:)

You were up ridiculously late/early again :eek:.

LOL :rotfl::rotfl: D&G :rotfl::rotfl:

Yes, I felt exhausted yesterday eve, fell asleep in front of the telly, woke up at midnight then couldn't get back to sleep. Finally read myself to sleep - not sure what time. I actually feel not bad today, so hopefully will get a good night's sleep tonight.

He's not that interested in the home finances really - wouldn't have a clue and just leaves it all to me. Mad, because he manages thousands of pounds at work. I've had to get a real grip on the finances, because for example, he'll say 'I've got a bonus next month of £500 so I need x (perhaps for £250 and says he will use the bonus money) and we can pay the rest off the debts'. Then he'll buy say something for £400 because it was much better value than the item for £250 and he'll put it on the credit card because obviously we won't have the cash in our paws. Then next month the bonus comes in and it won't be £500 because he miscalculated/didn't allow for tax, ni etc and so it may be for £350 - so now we've got £400 on the credit card and only £350 to cover it, but meanwhile as well he will have felt really flush as he's got a bonus he will have bought a take away, had a drink, etc. etc - so then we've probably got £700 on the credit card and only £350 to cover it - so we end up with him having a bonus but £350 further in debt and he moans and says how much did you pay off the credit card debt - why can't you manage the money. And generally me left feeling very confused as he did have a bonus but not being sure what happened. This is just typical (not the actual scenario), but it took me a long while to figure out what was happening - meanwhile we ended up yet again £25k on the credit cards. It has been very difficult to get him to stop spending on the card - and you saw my comment about the spend he made last month as he got 'confused' about which card he was using - yeah right.

He is getting better, but I give him a really good allowance each month (£250) but he still moans - he's really testing the water and I have to keep my nerve. My DD laughs and says there's no way she is having an allowance in her forties, but if I didn't do that he would just keep blindly spending. He doesn't make the connection paying interest on our debts meaning that the things we own/are currently spending on are actually costing us more money - that's the next part of educating him. As Martin says, certain debts are okay as long as you factor in the interest etc. and its something that lasts, not takeaways etc.

I think we are in the best place we've ever been at the moment with debts - if we paid the emergency fund to the credit card debts we'd owe about £10k and I've a couple of payments coming in by August which will take that down to £8.5k. I know we also have the car finance, but I'm not figuring that in at the moment as its on a low rate and if we sold it there would be no equity. Plus to me its kind of a work expense that comes out of my salary and it will be the last new car I will own unless I hit the big time.

Ooh, going on again. I can't wait to start my new thread soon and get on a new positive note.

Thanks for popping in Ali, it helps to know someone is paying some attention. :A

giblet1979

Hi SS,

I had to comment to send you hugs and good vibes. That does sound very frustrating and I think you're handling the situation brillianty. I think some people would just 'give up' to save themselves the grief, but you are taking the pressure (and unfairly, the flak) to make things better for you and your family and that's admirable!

Keep it up and I'm sure it'll get better. You're an inspiration x