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I WILL get there!!
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Hi Kirsty, hope you decide on the patio colours soon - we went to the merchant's yard that the guy laying our patio used & had a look at all the slabs. We moved the edging stones about in the yard to see what went well colour-wise & ended up with a completely different colour than we thought we wanted.
Sorry to hear you're feeling down about the baby issue, I don't have any experience to help out but will send positive vibes to you and a dodgy hug.:grouphug:Success is not final, failure is not fatal: it is the courage to continue that counts. Car loan 1 £11,174, Car loan 2 £5,532, CC 0% BT £850. Debt Free Diary to try & keep spending in check.0 -
Sorry to hear you're feeling down Kirsty and not being able to sleep certainly doesn't help! I don't have much experience with baby issues but I wish you all the luck in the world and lots of positive thoughts! Take care xMortgage Balance as of Jan 25 £23,500
Starting Mortgage Balance (June 2019) £72,000.
Aiming to be mortgage free by my 40th birthday, June 2026!0 -
1 disciplinary down today, 1 to go
Definitely not my favourite part of the job.
Thanks for the dodgy hug Sashywe went to a couple of builders merchants last week and I think we are set on colour now (dark grey) but we aren't sure about finish - we wanted smooth but I'm worried about them being too slippy when it rains (especially with the niece newly walking) but the guy who is doing the patio for us said not to use riven effect as you get a lot of standing water so we are very torn!
I think I'm just going to have to accept that until it happens, I will have very down days about it. It doesn't help that my little sister is trying for number 2 now and she caught in 4 days with the niece so I'm on edge waiting for that announcement. Not that I won't be happy for them, but I foresee a few 'woe is me' days in my future
OH is being so good, he isn't letting me wallow - he just makes me laugh about something, usually ridiculous baby names that he knows I hate and he insists they are his favourite and the only ones which he will agree to :rotfl:
I think you're right Jessy - the not sleeping can't be helping - I hadn't even thought that could be having an effect. Doh!
On the upside, it's payday today :j whilst there isn't much earmarked for PADs, there is a £200 mortgage OP to go next week so that will be nice to seeTime to think of the positives or I'll wallow all day.
:j PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID :j LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid) :eek:
Mortgage - £151.316.54 :eek:0 -
How are you Kirsty
xx
Debt (1/9/14) £6,702.11 Debt free (30/11/2016) mortgage port- £70,077.82 and mortgage £126,517.39 o/s currently
Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.800 -
I did the mortgage OP yesterday so I'm feeling very happy with that
it means that in this calendar month I've made just over £500 of mortgage OPs - OH would kill me if he knew :rotfl: but the one yesterday was actually one I'd earmarked for July once the DD had gone out to take me to a nice round figure so I've just made it a bit early - any saving on interest is better in my pocket than the banks!
I work for a company which is quite laidback in it's employee approach, some of them have gotten away with far too much but I finally made my point a few weeks ago and we are now sticking properly to disciplinary procedures....which I'm sure will help in the long run but right now I'm swamped with HR work - some of them really need to get their act together or they will be on final warnings within a month!
OH is finally going back to king fu tonight after a couple of weeks off for various reasons and normally I would be looking forward to hot bath and catching up on my programmes but it's too hot for my hot bath and we are mid-decorating the lounge so I have no TV to be able to watch and I can't even access half the house to give it a good clean thanks to all living room furniture being distributed between kitchen, hallway and a bedroom
We had a date night last night at Nandos which was lovely, apart from extremely stale garlic bread that could have killed someone if thrown correctly :eek: it literally snapped when I picked it up and I couldn't bite it at all. Luckily the lovely waitress brought a fresh one so that was nice
I've got £40 ready to cash out from consumer pulse and £10 from shop and scan so far. I'm trying to save them up to cover a few meals while we are away for the weekend for a friends wedding in August. PA is up to £35 confirmed, £68 sat in circle account which will cover the wedding present and more
I've also started an 'if I don't get pregnant this year' fund which will be used for a holiday over early next year for us to chill out. I know that sounds silly when we have this lovely trip planned to NZ but it's such a rush trying to visit everybody and I come home feeling like I need a rest! I want some time just the two of us, chilling out and just being together. Well, I don't want that as much as I want to get pregnant but I can't do any more about that yet!:j PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID :j LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid) :eek:
Mortgage - £151.316.54 :eek:0 -
Cross posted there with you Monz
Thanks for thinking of me! x
:j PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID :j LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid) :eek:
Mortgage - £151.316.54 :eek:0 -
I changed doctors a few months ago to a more local one (I'd still been registered at my parents house for *shhh a few years longer than I should have been
)
The female GP at the practice has specialisms in gynaecology and family planning so I've booked an appointment there for next Friday, will see if there is anything we can do about an earlier referral, especially given the issues I've already been diagnosed with. Fingers crossed! Right, I'm going to stop whining about this on here, it's not the nicest thing to read and I need to stop wallowing!
I'm off to a local food festival tomorrow for my friends birthday, OH is going to drop me at the train station so I can have a drink and then I'm going to try and get my parents to take me home and we will take them out for a meal as we didn't get to see them on fathers day.
I'm so excited for OHs birthday trip - it's 2 weeks today and I hope he'll love it. He's got a few little bits and pieces to open but the trip is his present so it's important he likes it!
Not much going on finance wise, other than I have been accepted for a halifax clarity card so that we don't need to take loads of cash to NZ, huge bonus!
We are moving to joint finances in July, which will be an adjustment for both of us. I hope not too difficult but time will tell! It's the best thing going forward because it will ease things when/if we have maternity pay to contend with! Wish me luck:j PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID :j LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid) :eek:
Mortgage - £151.316.54 :eek:0 -
I had a lovely day out at the food festival and only spends were a Pimms. Sat on a blanket in the sun listening to a few local bands with a pimms and armfuls of babies. Heaven. Except I forgot sun cream and resemble a lobster this morning
Parents came over last night and were very impressed with living room decoration/carpet and we need to put the finishing touches to it today so I'll be off to do that once I've caught up on here. Went to Pizza hut with the parents last night but despite us asking them over, the insisted on paying so it was lovely to see them and no cost! Will have to reciprocate at some point though, they do so much for us.
Finally got to speak to OHs mam last night, she is halfway through her radiation treatment and sounds very chipper. She's happy that it's nearly over and it seems they have gone for radiation as a precautionary measure rather then because they are worried about spread etc so that was lovely news. She will have an PET scan in 2 months and hopefully that will be good news, just in time for us to go and take them out for a celebratory meal:j PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID :j LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid) :eek:
Mortgage - £151.316.54 :eek:0 -
Lots of love to you Kirsty. I know it's not much but I have everything crossed for you...Not giving up
Working hard to pay off my debt
Time to take back control
https://forums.moneysavingexpert.com/discussion/6290156/crazy-cat-lady-chapter-5-trying-to-recover-from-the-pandemic/p1?new=10 -
Thank you CCL, it really does mean a lot
x
:j PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID :j LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid) :eek:
Mortgage - £151.316.54 :eek:0
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