We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Back in debt but not out

Options
14243454748137

Comments

  • Many, many congratulations on your job offer I hope the contract comes through quickly so you can relax and look forward to your start date.


    Is dd away anywhere exciting with school? Hope she has a lovely time whatever she's up to.


    H x
  • Thanks Huggle, me too. Hoping it arrives on Monday.

    DD is off to Hindleap Warren and she is so looking forward to it, so are we lol
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Aw how I hated nursery payments £669 per month for my boy and that was after "help" was taken off!? I was like I do not get maintenance from my ex (nor will ever ask!) and it was more than my rent of £400 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) £16,688.80
  • Morning,

    Very quiet here on site, so thought I'd update my diary while I can.

    Aiming for a NSD today, brought my lunch with me, left over HM beef and ale pie and associated veggies :)

    Still no contract, I think I will give them until Wednesday and then I'll dig out the guys number and find out what's happening with it? I'm getting a bit worried now as I have to give them a weeks notice where I am.

    Had a busy weekend, but managed to get a fair few bits done and dusted. DS and DD both had parades in separate areas, so it was a rush to drop them both off, both did really well so good day all round yesterday.

    Going to try for at least 4 NSD's this week, will be good if I could get 5 but we'll see. I do need to buy MIL a birthday card, I have a voucher already stashed but apart from that and top up shop which are part of my budget, I shouldn't spend a lot this week.

    DD has a mufti day on Friday and has to bring in a bottle for the Christmas fair, we are going to declutter and she will take in a couple of bottles that neither DH or I will drink, so no money spent that day :)
  • Good planning with the decluttering of bottles to save on spending.

    I'd be going mad by now waiting for that written offer - patience is definitely not one of my strong points, so I totally feel your frustration. I presume either it's stuck in the postal system somewhere, or they've just been slow sending it out for some reason. Annoying, though!

    Glad to hear your DS & DD both participated in parades yesterday too. Such a good thing for kids to do.
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • So I have just done a re-read of my old diaries again, it has struck me just how much I have lost my direction in such a short space of time. That probably explains why we ended up back in the same position regardless of the consolidation.


    I used to be so much more organised and in control, instead we've gone back to where we were right at the very beginning 9 years ago.


    We both earn a reasonable salary and we both should be able to have proper control over the money instead of frittering it away.


    I think it's good to re-read things, especially so I can make changes and move forward, some of the old me is here, just need to find her.
  • So I have just done a re-read of my old diaries again, it has struck me just how much I have lost my direction in such a short space of time. That probably explains why we ended up back in the same position regardless of the consolidation.

    I can relate to this completely. I get all excited about changing, don't have a plan, lose my way, realise I'm lost, decide to take back control, get all excited about changing, don't have a plan, lose my way...

    I finally realised I need to have and stick to a plan if I am ever going to make progress in any area of my life. I don't know how many times I've started over, but I am determined that this time it will stick, so this time I am making a plan! :o

    Fingers crossed that your contract arrives soon!
  • I can relate to this completely. I get all excited about changing, don't have a plan, lose my way, realise I'm lost, decide to take back control, get all excited about changing, don't have a plan, lose my way...

    I finally realised I need to have and stick to a plan if I am ever going to make progress in any area of my life. I don't know how many times I've started over, but I am determined that this time it will stick, so this time I am making a plan! :o

    Fingers crossed that your contract arrives soon!



    That is so me....sure you're not my twin??


    I hope so to x
  • That is so me....sure you're not my twin??

    :rotfl: I'm fairly sure I'm old enough to be your mother, so probably not.

    Do you have a plan this time? I am still in the planning stages of planning my plan. :p
  • :rotfl: I'm fairly sure I'm old enough to be your mother, so probably not.

    Do you have a plan this time? I am still in the planning stages of planning my plan. :p

    Lol, you can be my slightly older twin :rotfl:::rotfl:

    Plan....that's erm, a working project :o I do need to get something together, the vast amount of 'plans' I have had in the past haven't amounted to much, if they had, we'd have moved house by now.
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 350.8K Banking & Borrowing
  • 253.1K Reduce Debt & Boost Income
  • 453.5K Spending & Discounts
  • 243.8K Work, Benefits & Business
  • 598.7K Mortgages, Homes & Bills
  • 176.8K Life & Family
  • 257.1K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.