A Diary of Reinventing Ourselves

warby68

If you have the passwords etc, is there a reason you can't do the balance transfers and card swapping yourself? You know, to 'help' )

Has the landlord said whether there is any flexibility with dates - not exactly money saving, but would he be interested in a little more money to let you stay a bit longer. Needs must and all that

I think hubby is probably very pleased with what he (or everyone else) has done so far and actually won't do more until you push again but I don't blame you for easing off with so much going on. With his pay rise and you starting to work, HIS plan now seems to be the one in action though so you will need to keep rattling his cage quite hard I fear.

Just try and keep the rattling focussed, the company situation and a true level of available income has to be number one - the drip feed of money is usually a warning sign, unless he's paid irregularly but suspect not.

Maybe pick just 2 things to bang on about with him, and only add another when one is sorted.

1. Company position = true income
2. Credit card switches to save a pile of dead interest payments

Leave the finer detail budgetting for now - that suggestion goes for you too. I have a feeling you deviate to smaller easier fixes as a
distraction from the big issues. Its what I do lol.

I'm going to be very non MSE and recommend getting the ironing lady back - maybe even just for the hard stuff. If you're in a sea of debt the £25 isn't going to make much difference but the time and energy you can reclaim and devote to bigger stuff will just at the moment. You have bigger fish to fry right now - only my opinion but when every post and part of every day has ironing or the thought of ironing in its probably too much.

Just some thoughts for you to bat around or right back at me if you prefer

JustAboutThere

Forward_thinking wrote: »

OH is miles away from this perspective and jokes that this is what our parents did - wage comes in for wife to sort out the bills.

Difference being was that the wife KNEW what hubby's salary was and could budget based upon that. You're having to play a guessing game and juggle. Which isn't fun.

Tell hubby that your crystal ball is broken and you need to see cold, hard facts (or cash) in order to prepare a proper family budget.

Easier said than done, I know

Keep heart, you'll get there.

getmore4less

As I said before does not matter if it comes in dribs and drabs you just need to know how much there is a month.

Focus on getting that single piece of data.

He must know as he will be invoicing weekly or monthly and it won't change much if he just takes a bit off for the days/weeks he does take a break and does not get paid.

I think a gentle push back along the lines of if you can't tell me this simple piece of information how much of a mess are the company accounts.

Perhaps make a joke on the "I might go to jail" comment a while back and see if he has asked the company if he will be able to work from home if that happens

If there is a new contract for two years then it should be easy to project the income that will be availble to come out of the company(after sorting out the mess) to make a two year plan.

W68 hit the nail on the head you are falling back into hubbys plan no wonder he is happier.

One other thing keep the spending diary info tracking info as what ever tools you end up with the data will be invaluable.

What was Feb groceries spend?
That is most of a month on the new regime even though a short one it will be quite usefull info going forward..

enthusiasticsaver

I am wondering if YNAB is the right tool for you FT. It sounds very time consuming and as you are so busy I wonder if it might be worth you trying just a simple spending tracker app on your phone? You can use it with budgets (ie set a limit) but I like it more simply because it is so easy to shove everything on there quickly and come up with a total at the end of the month for categories such as food, gifts, meals out, petrol etc etc. The app is free too so very MSE. That way you can see very simply how much you are spending and also what income is coming in as that can be inserted in dribs and drabs.

Willowpop

enthusiasticsaver wrote: »

I am wondering if YNAB is the right tool for you FT. It sounds very time consuming and as you are so busy I wonder if it might be worth you trying just a simple spending tracker app on your phone? You can use it with budgets (ie set a limit) but I like it more simply because it is so easy to shove everything on there quickly and come up with a total at the end of the month for categories such as food, gifts, meals out, petrol etc etc. The app is free too so very MSE. That way you can see very simply how much you are spending and also what income is coming in as that can be inserted in dribs and drabs.

I've been wondering the same thing...I must admit I tried YNAB and just couldn't get my head around it. I started using a really simple spreadsheet and that was fine.

getmore4less

For budget management where you are not really strapped for cash flow(which is where YNAB does work well) but just need to plan I think the best tool is still MSMoney and it's free.

Basic setup is quick if you don't mind some manual data entry.

It should be possible to run just as a spend/budget diary if you ignore the accounts side and just track where money goes and pretend it all comes out of a magic single account(which is kind of the way FT is working in reality).

a spreadsheet would do similar but you get analysis tools built into MS money.

KxMx

I grew up with a mother who rarely ironed... Therefore I rarely iron. Cannot comprehend people who do piles every week tbh. I care for my clothes so I don't need to iron. Hang things properly and creases drop out. Fabrics these days are generally made as easy care.

Always smart and tidy when i go out, even have to have patterned socks positioned correctly and legging seams straight/even etc before I'm happy... So its not like I'm uncaring about my appearance!

Last time I did iron was a wedding outfit two years ago.

Work shirts or uniforms I can see yes, special occasion outfits yes, but everything else, no.

Debt_Denier

It has been about a month since the landlord gave notice. Any progress?

brizzledfw

How's it going FT? Hope things falling into place

X

Doobop

Hope all is ok