The Ultimate Incentive muddles along

wendz86

That's brilliant news about the job Cinny. Shame it took him not being there for them to realise they need him!


Dinah - with the ex friend you did the right thing at the right time and are right to step away now.


Hope mini Kavics had a lovely birthday!


I had good news this week that they are improving benefits at work and anyone who has been there 5 years + now gets an extra week holiday every year from 2018. My childminder only charges me term time and ad hoc holidays so will hopefully save me some money and means I get a bit more time with kids too.


Anyone getting any black Friday bargains? Haven't seen anything I need to get really.

kavics17

I haven't bought anything at all. I just can't find a good deal. I did most of my Xmas shopping though so not really bothered. I popped into H&M this afternoon and got some clothes for mini Kavics but I needed those anyway.

Mini Kavics had a lovely birthday, presents are arriving every day so she is very happy at the moment. She will have a party at home tomorrow, only family members are coming so new guy will be introduced to everyone.

Cinny, great news about the job. Such relief.

archersluck

We bought a house on black Friday! Well exchanged anyway (and saved lots and lots thanks to the stamp duty changes the day before :money:) get the keys tomorrow - can't wait to decorate for christmas.

It's snowing a tiny bit here, any one else got any?

Brilliant news about OHs job Cinny :T

Dinah looks like you've been having some hospital drama on FB, everything ok?

Dinah93

Congrats on the house Archers, very exciting!

Lots of snow here, bet the teachers are having no end of fun trying to get the kids to focus today, feels like the most snow we've had in years.

It's okay, Grace's surgery was cancelled on Tuesday, she'd literally had all the pre-op right down to some strange pre-anesthetic which turned her into a tiny drunk, then an emergency came in and she waited for several hours (getting more and more upset because she was hungry) before eventually being cancelled. Just grateful we weren't the emergency. They offered us the Tuesday before Christmas which we've turned down, so looking like 9th or 16th January now.

Think I'm becoming a business bore, I'm obsessed with trying to find either a premises to hire for aerial or my own space to rent monthly. I have a lot of interest and can't meet it because I can't find a venue and my current one doesn't have any more availability. I'm skint and want to up my hours in an effective manner and currently am hamstrung.

Did a 'budget' for December, first one in a long time. All the costs going out vs what I guarantee will come in. Currently running nearly £3k in the red of outgoings vs income. That's excluding any non bill spends such as petrol and food. That's a very very scary number, but at least I can try to mitigate as much as possible now that I know about it. And it's certainly spurred NIM on to try to get himself sorted some more as well.

roomontheend

Over 3k in outgoings in one month is a lot. Is this a normal figure for your household or is it because of the extra house stuff you have going on?
Good idea about leaving Grace’s until the new year at least you can relax and enjoy Christmas. She would only be spending the whole of the holiday period recovering. This way you can all enjoy.

I needed to make £175 for November but manage £424 which is so amazing. Some was extra work and the rest was selling on fb and eBay. So I made extra payments on a store card that had switched to higher interest ( 29.9%). I got something on “buy now and pay when you have forgotten all about it”, and guess what I forgot. So the interest is back loaded to day one. I could kick myself but we live and learn.
So I need to make an extra £125 this month to cover all the minimums and any extra will go on the two presents I still have to buy and the rest towards the store card.

Dinah93

£2086 in minimum debt repayments alone. £1647 in household bills that are every month. The rest is 'bills this month' which includes things like my room hire for the term on 3 venues, a plumber, overdrawn fees, fees for my final assessment (I passed!), laundry costs we owed (we have now paid privately since 16 weeks without a washing machine was a joke), getting a grabber in to remove a load of mud and builders rubble so we can get on our drive again and stop walking down next doors path to get to our house and so on.

roomontheend

Oh my that is eye watering. Can anything be done to freeze the minimum payments till you get on your feet? The universe needs to cut you a break and hopefully it comes soon. I can only but imagine how hard it must all be for you. Personally I think you deserve a chocolate metal for how well you are actually coping. Congratulations on your last assessment, well done.

Dinah93

Updated and ongoing to do list

• do pregnancy yoga poster
• register on yoga near me type websites
• do lesson plan for assessment
• do 10 week course plan for assessment
• Call Autoglass
• list nearly new sale stuff of good value on ebay
• find funding sources for mum
• do business plan for mum
• Order 2 more strops
• Finish Amazon fulfilment printing set up
• Label and send items to amazon
• Pregnancy yoga assignment
• Sent out a random ppi query (very unlikely)
• Take complaint to ombudsman/L&G
• Plan lessons for new term - svadhyaya, isvara pranidhana, Christmas workshop, renew and restore workshop
• Complete assignment 5
• Complete assignment 6
• Order updated flyers
• NIM uniform tax claim
• 2016-2017 Tax Return
• Find somewhere for phone and computer repairs
• Set up M&S minimum payment
• Shpock wardrobe
• Schpock mirror table
• Update mailing list
• Chase up why NIM is being charged twice for his 3
• See if we qualify for different water tariff
• Investigate printful
• Send old and new power companies meter readings
• Sort refunds for all students who need them
• Pay pregnancy yoga fees
• Pay assessment fee
• Sort new car insurance
• Go through fb emails, DDs, interest lists, class transfers
  [STRIKE]
• Buy paper/do taffy cat's weekend book[/STRIKE]
• Post ebay and amazon parcels

Dinah93

No only thing that would freeze the interest and reduce minimum payments is an IVA, which is a consideration at the moment, HOWEVER our IFA thinks he might be able to extend our mortgage as we have over £100k equity in the house, and as we're currently on a high rate fix, we'd actually have a lower mortgage payment than we do now. So we could overpay the mortgage by about £1000 a month comfortably and everything would be at sub 2% interest where currently it's mostly at 20% or higher.

clearmydebts

Dinah93 wrote: »

No only thing that would freeze the interest and reduce minimum payments is an IVA, which is a consideration at the moment, HOWEVER our IFA thinks he might be able to extend our mortgage as we have over £100k equity in the house, and as we're currently on a high rate fix, we'd actually have a lower mortgage payment than we do now. So we could overpay the mortgage by about £1000 a month comfortably and everything would be at sub 2% interest where currently it's mostly at 20% or higher.

Are you hoping to consolidate your debts into the mortgage? Apologies if I've misread that? Poor Grace that was an awful long time without food, both mine would be up the walls

Archers - congrats on the house. How are you settling in?