Shall we get started?

Goldiegirl

Sorry to hear you are feeling stressed. Sometimes all the little things snowball into something big, and it all seems overwhelming.

Hope you have a relaxing weekend, and enjoy time with your family

Polly_Wolly_Doodle

Thanks ladies for the support, I do now feel better for the cry actually:eek:

Today's rejection was from Santander, so even for a basic a/c they still had to credit score the application which equalled a no. Pity they hadn't suggested this would be the result when we asked about it two weeks ago:mad:

They did offer a mini 123 a/c for dd but she's only 11 and I really want to walk her through money management with an in trust a/c:rotfl:

HSBC would open a basic a/c but no other a/cs can be held at the same time, so no use then!

Just listening to Moneybox on the radio and it's talking about Tesco offering a current a/c, may be about to google!

Have moved £20 to BoS so we'll see if that disappears into their recovery section or not:D

Polly_Wolly_Doodle

RBS have now answered the complaint they made about themselves saying they cannot open the basic a/c they opened for me???
The good news is they have sent a cheque for the £212 deposited and another one for £100 as compensation for closing the a/c:j.

Still leaves the problem of where to turn for a high street bank.
Didn't bother applying for Tesco, just know as it's an online application it will be credit scored.

Think i may have to revisit the HSBC option or Barclays but neither are local:mad:.

Listed two things on ebay:j finally! And will try and do some surveys today.

Polly_Wolly_Doodle

Been moving money around today, extra earnings last month and a couple of small windfalls have meant I've sent £350 to the secured loan, £350 to the mortgage and £50 to a new savings a/c to start a car fund. This will get an additional £300 once i see the £50 has gone to the right place.

Not sure I will send much more to the mortgage, but will cross that bridge when we come to it, just want to see the balance drop:rotfl:.

The next thing is to revisit the children's trust fund accounts and see if I should start adding to them again.:eek:

Polly_Wolly_Doodle

£50 landed in the right place, so the £300 has now been sent:j.

Two HUGE wood pigeons pecking around the garden, Tilly would you like them for your menu plan??

Tilly_MFW_in_6_YRS

Polly_Wolly_Doodle wrote: »

£50 landed in the right place, so the £300 has now been sent:j.

Two HUGE wood pigeons pecking around the garden, Tilly would you like them for your menu plan??

Now Polly, if you've kept up with my diary you'll know I'm not menu planning for July :eek:

HFW would be concocting a recipe straightaway :):)

Hope all's ok with you

Tilly x x

Polly_Wolly_Doodle

Will update sig later but this morning I have moved £107 to the secured loan, £107 to the mortgage and £106 to car fund, that is the amount that was going out before and has now ended:j, so time to use it wisely:A

Now off to drop one at school and go cheap supermarket summer clothes shopping with the other two - give me strength:eek:

Polly_Wolly_Doodle

Cheap supermarket clothes came in at £130, so i was grumpy for the rest of the day:eek:. Hate buying things that are not well made but again that's what got me into a mess before:(

However it's meant i've done some more juggling, so another £500 to the secured loan, can you tell i'd rather starve than let this go on much longer!!

Polly_Wolly_Doodle

Mortgage statement appeared today, it shows the £350 op but not the £107.
Still a capital reduction of £359.37:j

And it tells me if i keep paying at this rate there will ONLY be £130,137.47 outstanding at the end of the term:eek::eek::eek:

Polly_Wolly_Doodle

Morning, took the children to How to Train Your Dragon 2 yesterday, it was quite good but nothing like the books. So the best part of £50 incl fruit and choc from Asda on the way in! They are such a rip off, the vending machine in the outside part of the mall had coke etc for £1, in the Vue bit it was £2.20 for the same thing:eek:.
Anyway at least they got a treat!

Money is all over the place, just when you think you've seen the back of something then something else springs up, so EDF want to go from £76 per month to £190 pm:mad:. So have gone through £co and changed suppliers, they still want £140pm but we'll see. So need to be far more frugal but with a house of 5 and it's an old house i don't know...

House and mess and clutter getting totally on top of me, so need to do a flylady 15 mins a day of decluttering. Going to get a kindle book on the subject, The toothbrush principle! Something to do with having things where you need them!