Spent 4 years pretending it's all OK

NoOneAround

Today's positive achievements




A) SOA posted - will need to keep tweaking though


b) Posted the CPP form I received months ago on the off chance may get something back - cost £10 to post to guarantee delivery by tomorrow as deadline was tomorrow - figured it was worth it especially if there is a chance might get something back for mis sold policy - just wish I had read the info on this site earlier!

ampersand

Hello NOA -

Aside from all that has already been brillantly and helpfully posted, esp. by those who have been there/done it - I'm going have a tiny growl at you instead.

What's this bit of nonsense? -
'rather than feeling like a failure and having let my children down so badly'

There's not a single soul on mse who will let you get away with that!

Instead, we all go like this - :j, because 'just wish I had read the info on this site earlier!' means you win tonight's Better Late Than Never free Lifetime Membership.:D You'll be advising others before long, too.

'but I spend so much time helping others (which I love doing and get a real buzz from) that I neglect on affairs....it's a way of forgetting and feeling 'useful'' is classic displacement activity. We'll all help you keep focussed. It doesn't mean you cease those good things, it means you do them for straightforward reasons.

You'll also find that this great game of saving becomes addictive.

Well done on those extra hours. That kernel of knowledge/fixed income has value financially and in self-esteem.

I'm glad Stepchange are on board. CAPUK, in my siggie, are the charity I know of and direct peeps to - Martin rates them highly too.

Strongly approve of your working Mr T vouchers as you do. Have the children been trained up in wombling? Discarded receipts with barcodes, 2 per day, can be added to your total and abandoned 'x off your next shop' chits are handy too. I have one for tomorrow:).

I have always kept this from a 2009 pm reply from Martin:

'"For as long as I've been doing this I have never seen a debt situation that isn't solvable. It may not be easy, and it will take time, but there's always a solution."

Take it to bed with you, your very own closing and waking thought pillow.

brizzledfw

What a magic quote from :money:. Awesome, thanks for sharing Ampersand.

There is definitely wriggle room in that sig. Those insurances :eek:, even that breakdown cover. Heating of £185 - per month??!!! Eek. I have a draughty 4 bed Victorian house and my gas bill is just going up to £50pm.

Hope others can help, but think there is wriggle room. I really do.

Great news re the £2.5k. Excellent progress.

brizzledfw

Oh, and going for a run! Again, really positive. Well done you

NoOneAround

Just spent 30 m posting a long update but something went wrong and it didn't post....GRRRRR
Sorry ampersam and brizzledfw,
will need to wait till tomorrow now


but in the meantime thanks for your posts

NoOneAround

Feeling Dumb......Can't see how to insert signature?
Please and Thank You!

supersaver1000

Click the User CP button to edit your signature.

If you are writing in a long post write it in text editor or word then paste in. Or make sure you copy before pressing submit, then you can paste it back on the post.

X

edpvito

I would second youneedabudget.com, I bought the software at $54. well worth every cent,..er penny. I haven't noticed going without the last two months ive been using it but have paid off over £1500 debt on a single, pretty average income. I actually look forward to using it its such a nice piece of software.

dawnybabes

Posting here helps, people understand :-)

satchmo1

Life insurance ... is that really per month? I pay £25 per month (and feel guilty because I'm not earning just now), and think that's high.


Anyway your monthly life insurance sum would be better put towards your debt, which is actually affecting your health.


Also, definitely lay it on the line with the Bursar, as I know loads of parents who pay reduced fees due to lower than previous earnings.


Well done on posting, and also on cutting down the food bills, both are great first steps. Think about batch cooking soups, and try making dough for pizzas (and bread) it costs pennies and tastes so much better.


Uniforms for Independent schools cost a fortune - can you sell outgrown items? Is there a pre-loved shop at school, if not please suggest it to the PTA as a way of fundraising for them (and keeping your costs down).


Vinyl records seem to be making a comeback, and there's definitely a healthy market for them.