Fat, forty and financially f**ked

mothsinmywallet_2 · 23 November 2020 at 3:53PM

Thank you, that's helpful. I think maybe we could stop DH's.

lucielle · 23 November 2020 at 5:57PM

Personally once our cover ends I won't be renewing but instead have enough put by so that costs are covered.
L

enthusiasticsaver · 23 November 2020 at 6:27PM

Presumably if anything happened to your DH you would be working but could you afford funeral costs etc? If anything happened to you there is an element of life assurance within occupational pensions if you die in service.

mothsinmywallet_2 · 23 November 2020 at 6:31PM

Think I need to do some more research. It's quite likely that DH will die prematurely. Not being morbid, just realistic.

mothsinmywallet_2 · 26 November 2020 at 10:32AM

Last day of self isolating for me today. Cannot wait to get out for a walk tomorrow. It has really affected my mental health. I have been increasingly depressed and now am in a sort if paralysis and unable to do anything. Awful downward spiral. Just a few hours to go really. Poor DS1 isolating until next Tuesday. He's basically a human labrador and it's really starting to get to him.

Money wise, nothing has happened. I actually think this is really positive. No surprises, no unplanned spends and I've saved on petrol etc while I've been at home.

mothsinmywallet_2 · 26 November 2020 at 12:11PM

I've just worked out that it is exactly a year since we have used a credit card. Really very pleasing!

mothsinmywallet_2 · 26 November 2020 at 12:35PM

Currently focusing on paying down credit cards so have worked out that each £79 I pay is another 1% off the CC debt. I have paid off just over 20% so far which is so much more than I thought!

I have also worked out that we haven't used the overdraft on our account since February. Very pleased about this too. Really trying to find the positives and it is definitely helping my mental state. Might make myself a pretty picture to colour in each time I pay off 1% 🤣