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Spent 4 years pretending it's all OK

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  • NoOneAround
    NoOneAround Posts: 1,844 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Igamogam wrote: »
    Sit on mower..........second hand or Fr**cycle? Garden handy person......any local FE colleges do horticultural NVQs and need experience for students or an apprentice?

    Student/ apprentices is a great idea :)- a local college does evening classes (I did garden design there myself but it was mostly older people)- will call the college and find out whether the full time students need experience. Many years ago the 17yr old son of one of our work colleagues wanted gardening work (unemployed, left school at 16) so we said we'd pay him £5/hr to dig over the veggie patch and plant up. He did 2 hours, went home for a break and never showed up again :rotfl: He's still unemployed in his late twenties now.

    Have thought about getting some of DS friends together and paying them a days pocket money but I suspect they would end up messing around!

    Will check FC, but it tends to be the push mowers on there.
    Have checked local G*mtree and FB groups a few times, no joy yet.
    Feb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/02/17 £66,600=8.18%PAID
    Mortgage Jan14=209,800 Jan15=£200,300 Jan17£180,700>OCT17 £170,200
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes:)
    Wombling Free Cash May2016 £51
  • Igamogam
    Igamogam Posts: 6,028 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Combo Breaker
    He did 2 hours, went home for a break and never showed up again :rotfl: He's still unemployed in his late twenties now.

    My DD1 got a first at university and then became totally disillusioned with academia when everywhere she applied for graduate employment in her field, insisted on a masters. So the day before her masters course started she withdrew and signed up at the local FE college in the city where she had gone to university to do NVQs in horticulture.....this from the child who hated anything to do with the garden. Who found planting anything so much as a sunflower seed really uninspiring!! She realised she could rattle off 3 NVQs in one year after which she did some odd gardening jobs and now works PT with a landscape gardener and PT as a plant nursery project manager for a garden restoration project. She takes great delight in telling me now where I am going wrong in my garden:mad::rotfl:


    Will check FC, but it tends to be the push mowers on there.
    Have checked local G*mtree and FB groups a few times, no joy yet.

    Put out a request.......you never know!!
    Be the change you want to see -with apologies to Gandhi :o
    In gardens, beauty is a by-product. The main business is sex and death. ~Sam Llewelyn
    'On the internet no one knows you are a cat' :) ;)
  • NoOneAround
    NoOneAround Posts: 1,844 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    That's fantastic Igamogam, well done to DD for taking the bull by the horns so to speak. :T
    Our work colleague's son is a lazy so and so still living at home, scrounging off bank of mum and dad, and hasn't held a job for more than a month in his entire life. I have absolutely no patience for people like that. Would like to give his mum a good shake too for pampering him so much:rotfl:
    Feb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/02/17 £66,600=8.18%PAID
    Mortgage Jan14=209,800 Jan15=£200,300 Jan17£180,700>OCT17 £170,200
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes:)
    Wombling Free Cash May2016 £51
  • Posting here as started having a bit of a read through, il check back on a rainy day to catch up!! How much debt have you managed to pay off in the 20 months since the thread started?
    Can now be found in the Millionaire Challenge thread :beer:
  • Igamogam
    Igamogam Posts: 6,028 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Combo Breaker
    Would like to give his mum a good shake too for pampering him so much:rotfl:

    Therein lies the problem...........sometimes I think our friends think we are hard on our DDs but in the grand of scheme of things they understand the value of things - life, money memories etc. They, the DDs, know if the SHIF big time then we are here to help out as much as we can but we are the the 'last resort':)
    Be the change you want to see -with apologies to Gandhi :o
    In gardens, beauty is a by-product. The main business is sex and death. ~Sam Llewelyn
    'On the internet no one knows you are a cat' :) ;)
  • NoOneAround
    NoOneAround Posts: 1,844 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Posting here as started having a bit of a read through, il check back on a rainy day to catch up!! How much debt have you managed to pay off in the 20 months since the thread started?

    Hi PoorGuyND
    Might make a dreary read- good cure for insomnia! ;)
    Have only managed to pay off £2.5K so far:(, the first few months were just token payments of £1-2 per creditor.
    Doesn't seem like much in the grand scheme of things yet, but am taking heart that its going in the right direction, down, and not up.
    Feb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/02/17 £66,600=8.18%PAID
    Mortgage Jan14=209,800 Jan15=£200,300 Jan17£180,700>OCT17 £170,200
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes:)
    Wombling Free Cash May2016 £51
  • NoOneAround
    NoOneAround Posts: 1,844 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Igamogam wrote: »
    Therein lies the problem...........sometimes I think our friends think we are hard on our DDs but in the grand of scheme of things they understand the value of things - life, money memories etc. They, the DDs, know if the SHIF big time then we are here to help out as much as we can but we are the the 'last resort':)

    I haven't topped up DD's minimum student loan by much this academic year - she has survived very frugally and successfully on that plus her earnings from last summer holiday job, with savings still in hand. She should earn another couple of thousand minimum at same place this summer too, so is pretty self reliant now:):T
    Have noticed that she is very tight with her own money and not a pip squeak out of her if I pay at the till and she's got her own stuff in the trolley too........:rotfl:
    Feb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/02/17 £66,600=8.18%PAID
    Mortgage Jan14=209,800 Jan15=£200,300 Jan17£180,700>OCT17 £170,200
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes:)
    Wombling Free Cash May2016 £51
  • Dont be too down aslong as your keeping your head above water and heading in the right direction. Im absolute skint right now, i just take motivation from knowing i wont always be like this and its a lesson learned. Iv suscribed so will follow with interest!
    Can now be found in the Millionaire Challenge thread :beer:
  • NoOneAround
    NoOneAround Posts: 1,844 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Thanks PoorGuy. Know the skint feeling well, but I have a lot to be grateful for and that I am :) By my calcs in about 3 years we'll be able to start throwing cash at the debts in a bigger way. We have plenty of equity in house but couldn't borrow more based on multiples of income (and was advised against getting a secured loan to pay of debts).

    Good luck on your journey too:)
    Feb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/02/17 £66,600=8.18%PAID
    Mortgage Jan14=209,800 Jan15=£200,300 Jan17£180,700>OCT17 £170,200
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes:)
    Wombling Free Cash May2016 £51
  • NoOneAround
    NoOneAround Posts: 1,844 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    edited 9 April 2016 at 7:21PM
    Still feeling out of sorts and been very lazy today (hence several posts today!:o)
    DD packed and DH dropped her off earlier today. He has now gone to an evening reception about 150 miles away (daughter of one of his old college friends), which I should have gone to but didn't want to aggravate nausea (and didn't really want to go to anyway;)) as the last time we saw the family was 21 years ago! I have only ever met the family 3 times, and probably would have been the wallflower sitting by herself all evening. Feel a bit guilty but its one of my culling the "unnecessary" - am very proud of myself :rotfl: all managed without a big fight :rotfl:

    Nothing much achieved today other than checking bank balances, typing a couple of quotes, more washing, ironing, and a little pile of filing. Still have leftovers from yesterday so no cooking either :p

    Default nd final demand letter received from another creditor. Just need to ring them on Monday to check if it just part of the process or if the are getting funny about things.

    Lazy evening planned with DS, he's working through boxed set of Friends. I never saw it in the 90's but its easy watching, and I can sort out a file of paperwork while I sit with him. DH won't be back till midnight - 1am depending on traffic.

    NOA
    xx
    Feb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/02/17 £66,600=8.18%PAID
    Mortgage Jan14=209,800 Jan15=£200,300 Jan17£180,700>OCT17 £170,200
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes:)
    Wombling Free Cash May2016 £51
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