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Giblet's debt free journey

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  • misstara
    misstara Posts: 4,027 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Haha not sad at all, I'm always excited making overpayments and updating my signature. It's usually just a £5 overpayment though not £400 :rotfl:

    Hugs to DH, I hope he finds a job where he is appreciated very soon.
    Mortgage 26.4.25 - £108,500  1.9.25 - £105,664.31
    Mortgage overpayment savings - £16.54/£50
    Mortgage overpayments so far - £800.96
  • supersaver1000
    supersaver1000 Posts: 2,465 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Debt-free and Proud!
    edited 25 July 2014 at 11:13PM
    Hi Gib. I totally agree re. stress related illness not tarnishing your record that's a definite no no if you can help it. However, there's nothing to stop reporting a bout of sickness and diarrhoea. I agree completely re. Sickness record, and also don't advocate throwing sickies. But I was so stressed that I was paranoid about taking time off even when I had a dreadful chest infection and was really poorly. In hindsight a few days off would have helped and when I got stressed because I'd overdone it a bout of 'sickness and diarrhoea' would have bought me some valuable time to recover and I can't imagine any employer holding that against you. (I'm thinking of how I could have saved my sanity). He needs to take care of himself. :)

    Hope that makes sense - sending hugs.

    I know what you mean about impatience for payroll. Cappuccino ? Yum, I like latte myself please. :)
    OSWL (start 13st) by 30Jun20 6/10
    £1/day Xmas'20-62 £214/£366 saved
    Grocery Challenge Jun £742/£320 spent
    Homeowner wannabe by July 2020 - WooHoo!!
    Starter Emergency Fund £1000/£1000 saved
  • giblet1979
    giblet1979 Posts: 864 Forumite
    Eighth Anniversary Combo Breaker
    Hey,

    Thanks for the hugs misstara - promptly given to DH (although I know he wouldn't really like me talking about it on here).

    SS - sounds awful that you couldn't even take time when you were so poorly. I hope I didn't sound harsh / critical in my comments - the medium of text can be difficult to convey things properly (plus I generally have foot in mouth disease!). You are so right that a break is definitely needed, and may mean that with some adjustments they get to keep a brilliant worker, rather than losing him forever, so fingers crossed.

    Another hot day today. Been at job 4 and it has been tough...kept thinking 'remember the money' when I just wanted to turn around and come home :) I need to remember that I'm lucky to have this opportunity, and it may not last, so I should 'suck it up' as one very sympathetic colleague recently told me (in reference to my pain and driving 2hrs per day minimum...lol)
    In reality, it is DH and my clients that keep me going. I don't like to let people down.

    In relation to letting people down......deep breath.......I got a letter today stating that a direct debit had bounced (hangs head in shame). I know that it's because we had changed our standing orders, and they must have just crossed over, but I am so annoyed with myself. As we've been staying at a friends, I haven't had all my stuff with me, or been checking accounts every couple of days, so it's slipped past.

    Grrrr........

    Haven't done that for ages. Ah well, it's a kick up the backside to refocus and realise that I'm not as on top of things as I'd like to think.

    In more positive news, it's a NSD as was working. Resisted the lure of MCD's coffee whilst stuck in a traffic jam, and 'borrowed' some chicken from my dear parents so will be having 'stuffed chicken' with SW chips and veg for tea.

    Hope everyone else is well. Off to catch up on diaries x
    Debt remaining: :(
    Mortgage - £117,759 (£134,600, Nov 2013)

    Work overpayment and home improvement loan paid back (£19200) :beer:


  • Hi gib. Just thought I'd share something that worked for me. When I was really struggling in a job, oh and I worked out what would need to happen to live reasonably comfortably if I gave up work. We then aimed like billio for that. It made my worklife a lot easier knowing that if by a set date things hadn't improved, I could walk away. Seeing that you are close to the end of some financial commitments, it's an option that may help your oh.
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 11st 12lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough for now.
  • supersaver1000
    supersaver1000 Posts: 2,465 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Debt-free and Proud!
    edited 27 July 2014 at 10:24AM
    Hi Gib. No you were perfectly fine, I think I really feel for your DH because I've gone through similar recently and I wish someone had coaxed me into taking some time off - just to regenerate. Like Ali says, give your brain some room. I really feel for DH and I hope he gets resolution soon. The other thing about taking time out is that they appreciate you a lot more when you're back. :). INODs advice is very true too.

    Sounds like you are having a difficult time too. I'm sending you a big warm hug and hope you can relax a bit

    Frustrating re. The SO/DD. However in grand scheme it's just a blip. Keep up the good work. :):)
    OSWL (start 13st) by 30Jun20 6/10
    £1/day Xmas'20-62 £214/£366 saved
    Grocery Challenge Jun £742/£320 spent
    Homeowner wannabe by July 2020 - WooHoo!!
    Starter Emergency Fund £1000/£1000 saved
  • Hi gib :wave::D

    Sorry to hear that you and dh are having a bit of a time of it at the moment :( hopefully it will all turn around soon....

    Good news on the student loan though :T get that P60 located!!;) As for the direct debit...don't fret about it...we all forget stuff now and again and with a lifestyle as busy as yours, you should be incredibly impressed that you remember any of them!!! :shocked: :rotfl:
    Mortgage 12.12.12 £55842 12.12.13 £42716 14.12.14 £28837 13.12.15 £25913
    Mortgage OP £50/£600 House Fund £420/£5000
  • supersaver1000
    supersaver1000 Posts: 2,465 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Debt-free and Proud!
    Hi gib. Just thought I'd share something that worked for me. When I was really struggling in a job, oh and I worked out what would need to happen to live reasonably comfortably if I gave up work. We then aimed like billio for that. It made my worklife a lot easier knowing that if by a set date things hadn't improved, I could walk away. Seeing that you are close to the end of some financial commitments, it's an option that may help your oh.

    INOD that's such good advice. In hindsight I was over worrying what would happen financially if I lost my job and couldn't get another and because of that I wasn't thinking clearly or sticking up for myself. Always have an escape route!
    OSWL (start 13st) by 30Jun20 6/10
    £1/day Xmas'20-62 £214/£366 saved
    Grocery Challenge Jun £742/£320 spent
    Homeowner wannabe by July 2020 - WooHoo!!
    Starter Emergency Fund £1000/£1000 saved
  • giblet1979
    giblet1979 Posts: 864 Forumite
    Eighth Anniversary Combo Breaker
    Hi all,

    Great advice as always. I'm going to speak to DH about it tonight. He's gone off to work looking ill (and we had a stressful morning due to a possibly ill animal and a total overreaction on my part). His initial response was an immediate "I HAVE to go to work" when I told him the animal was acting strangely, and although it was all fine, and he would have come with me if a vet was needed (I was in tears which was very helpful - good job gib (!)), I really hate that he feels so much pressure to go and sort out !!!! when it's quite clear that others don't care / wouldn't do the same. He's too awesome, I tell him this frequently ;)

    Anyway...I had great plans for today, but am feeling under the weather myself. Have a day a/l but have so much to do, it would feel better if I get some through of the work. Am going to finish my coffee, mooch on here for a bit, and see how I feel in a bit.

    In MSE news, not much to report. I've overspent on budget this week grocery wise, but nothing too extravagant. I do think that INOD's suggestion about living on one wage will be a great challenge to do, for DH and to focus me. As we're in the middle of plastering, we could keep that out of the budget, but include everything else. Thinking about it, the guy is away now for two weeks which is good; however, he did ring yesterday to say that he thinks there is some additional damp (we have had a course but not behind some window panelling as he pointed out) so will get on top of that asap.

    Hope everyone else is feeling and doing ok. The weather is much cooler and drizzley, which isn't necessarily a bad thing (don't shoot me...)

    Sending Wednesday hugs x
    Debt remaining: :(
    Mortgage - £117,759 (£134,600, Nov 2013)

    Work overpayment and home improvement loan paid back (£19200) :beer:


  • giblet1979
    giblet1979 Posts: 864 Forumite
    Eighth Anniversary Combo Breaker
    edited 30 July 2014 at 9:22PM
    A MSE update....

    Just converted 4000 nectar points into vouchers for pizza express through their double up voucher exchange. We're going to take a friend out for lunch with them as a thank you for helping us move the rest of our stuff in the next couple of weeks.

    Also....just found this while doing 'adpoints'. Looks like some great recipes when you type in which ingredients you have (similar to other sites, but all looks REALLY yummy!)

    http://www.sainsburysfoodrescue.co.uk/searching?Lentil

    (btw I was just trying lentils as an example as I never know what to do with them!)

    50 adpoints earned today....more to be had :)

    Also INOD - DH is up for trialing your suggestion. He said that money is the only thing stopping him packing things in, so it really makes sense to reassure him that we can manage. Thank you x
    Debt remaining: :(
    Mortgage - £117,759 (£134,600, Nov 2013)

    Work overpayment and home improvement loan paid back (£19200) :beer:


  • Even aim to start the one wage thing after the windows have been paid for. It's not that long to go. If you're looking for lentil ideas, you should visit Greying pilgrim's thread. She's been posting ideas though I really don't get the appeal of them.
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 11st 12lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough for now.
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