Back in debt but not out

monz

Whatever that girl is doing,what a nasty little (fill in blank!) your poor son!

Hope you are all ok xx

[Deleted User]

TalesfromtheAvenue wrote: »

Just a quick though PMo2, but could you get the local PCSO to have a word with DS's ex GF as it seems to be bordering on harrassment now with the passing on of mobile numbers etc.She sounds like a bit of a crazy one.

We have threatened her with getting the police involved if she carries on. Hopefully (I've said it before) things will now stop.

TalesfromtheAvenue wrote: »

Hope it's sunny for your lunchtime walk today. I work on an industrial site, so I feel your pain at being stuck in a 'box' all day. There are no nice places to walk here either - we had this conversation in the office yesterday actually. Everything is just grey and concretey.

So far it's quite sunny, but being stuck 3 stories up in the air its not so warm Plan to take a walk around the park opposite today, once I have bought some lunch. Greggs appeals as it is cheap food.

[Deleted User]

Just a quick one

Spoke to the Council and a bill has been sent out to us as of Monday, I explained that someone was supposed to have called me once the account was set up so that I could sort out the DD, she said she could set it up there and then.

CT 1/6/17 will be £229.69pm and then from 01/07/17 - 01/03/18 will be £230.00pm. Will have to redo the figures this weekend so that I factor these in.

Will defintiely look at paying it off in one lump sum next year.

MistyMountainTop

I'm glad things are sorting themselves out. I still can't believe you are in your new house and am very glad that it's working out, it gives me hope for the future!

[Deleted User]

MistyMountainTop wrote: »

I'm glad things are sorting themselves out. I still can't believe you are in your new house and am very glad that it's working out, it gives me hope for the future!

Me too hun, its been a long haul since the end of last year! You and Mr MMT will get there, you never know whats around the corner.

[Deleted User]

monz wrote: »

Whatever that girl is doing,what a nasty little (fill in blank!) your poor son!

Hope you are all ok xx

Sorry, missed your post.

So far today nothing from her DS knows he's got at least a month before he gets let loose on the apps again, he'll be weaned on them slowly as he needs the break. Plus !!!!! face might get the idea!

[Deleted User]

Morning,

How is everyone today?

Glad it's Thursday, been a long week and I'm sorely in need of the weekend.

Things money wise seem to be ticking along nicely, I've been checking the account daily to see a what's been coming out and trying to not spend too much this week.

DH said last night that he loves this house and all the less stress it has brought (apart from DS ex-gf) he's aware of the need to cut back and plan things to make it work and he's happy to do so.

Just 16 days til pay day, hoping we can get there intact.

Right off to get organised. Back later.

MistyMountainTop

It's great that your husband is on board - and that your home is so much more relaxing than the old one!

[Deleted User]

Deleted_User wrote: »

General
* Pay £3k off CC minimum - £250 pm – keep monthly tally - Reduced to £2k this year, anything more is a bonus
* No alcohol days/months - Working on it
* No spend days/weeks - Working on it
* Save the change towards Christmas - Not so good but Points are adding up
* Wombling – Need to master this one
* Set up budget for – Car (insurances, taxes, services)/Water/Council Tax/Home/Gas/Electric/Birthdays - £70pm??? - Haven't started this one
* Lunches to work as much as possible - Work in progress
* Avoid the pub – this is a must - Work in progress
* Need to build up an emergency fund – 3 x DH's monthly salary?? PADing?? - Start small? - One for next year
* Keep to meal plan, try to reduce grocery/alcohol spends - Work in progress
* Stick to weekly allowance £10 pw - Needs tweaking
* Find a new house! - Offer accepted - DONE

Personal
* Lose weight - One for next year
* Walk 10,000 steps per day - Trying with this one
* Make sensible choices snack wise - less fat/sugar - Trying with this one
* Read my many books - Getting there
* Finish my tapestry -ERM
* Think before buying, is it wanted/needed/useful/going to ruin my diet? - Getting there
* Get more sleep! - Getting there
* Build my immune system up - Getting there

I've updated and tweaked my 2017 goals again now we're in the new house.

[Deleted User]

It was good yesterday to update my 2017 goals, we're nearly half way through the year and despite the move it was good to take stock.

A lot of it I need to improve on so that this time next year we're not in the same position.

Tomorrow once I've updated the finances again, I need to work out what we've got coming up for the rest of the year and what we need to pay out for.