MsPawz Musing's on Money

MsPawz

……………………………………………...

MsPawz

Wow!
How the hell has 2 years gone?!
I never did use this diary and things went from bad to worse.
A search has also bought me to this post, which may be of interest, which I found on the 2016 Christmas chatter thread and which gives you a little bit of my background before I update you on my current situation;

06/10/2016:
" Hello all! I'm new to the mse forums today. I used to have a login many years ago but couldn't remember what it was so this is my "new" 1st post! Anyway I hope you don't mind me joining your thread and posting with you and getting to know you from now on!
A little of my back story to allow you to get to know me; I live at home with my DF MrPawz and we both absolutely love Christmas. MrPawz is unable to work at the moment and has been unable to do so for almost 7 years now. We have always just made the most of it and have been lucky enough to, up to now, manage to get by with little bits of money coming to us from various sources just at the right time and when we needed it the most. Recently we have remortgaged to consolidate debt that we had accumulated in the past couple of years. This was our best and only option and we had to do so due to the following circumstances; Our previous mortgage payment was so high due to being stuck on a SVR that we couldn't escape for many, many years, as my wages alone weren't high enough to pass the new mortgage stress tests. The high mortgage payments we had no choice but to meet had meant that we couldn't always meet our other monthly expenses and particularly any emergencies - which is what led to the debt accumulating. I had a credit card that was used as a buffer in times of crisis/need. Not so long ago, shortly before we remortgaged, I received a small payrise. It isn't much but it took us to a level where if we paid off the debt we might just pass the remortgage stress tests! So we gave it a go and here we are! We're now remortgaged and are *just* meeting our monthly expenses! I have got us deals, got most of our bills down to the bare minimum, am a savvy shopper and do everything I can to save us money. But I still feel like I can be *better*! More savvy, more proactive. I want to make sure we are squeezing the very most that we can out of every penny we earn. I also want to start earning more. Survey sights, ebaying, everything I can put my hand to. This goes for earnings made effectively by making extra savings too. ☺ I'm ready to be the best moneysaver I can be! So this brings me to today. I'm currently off sick and am way too ill to go in to work. But the problem is I don't get paid for this. Looking at the 3 days I'll likely have to be off (hopefully less - but this is already 2/3 of the way through that with no end in sight- thank God it'll be the weekend after that) that's £185 lost. Now I have a teeny tiny bit of money that I'd put aside to learn to drive, that I can "dip in to" to cover this temporarily. But it must be only temporarily as I really need to learn to drive an am planning on doing so in the next year. Starting in January, probably, in fact. So that is what I'll have to do. Take it from Driving Fund, but also PUT IT BACK. Now MrPawz has a plan that we put whatever birthday money he gets from his parents in to there (end of November) - bless him - and also any Christmas money we get from his parents in to there. Good plan but it won't amount to much. I can also put any Christmas bonus that I get in to there.... if necessary. Ideally though, I would like to make the money up by other means before Christmas. But we'll see.
Ok it seems like I'm waffling here which is probably because I am. This gets me to Christmas. I mentioned before that we are both Christmas lovers but as you can see we are only just meeting ourooms monthly budget and this doesn't include any special occasions. Add to this that we're also losing additional money that we need to make back and you can see how I need to come here for support and ideas and to try to keep the fun IN and theverything stress OUT Of my Christmas preparations and celebrations. 😊 so I will very much appreciate hanging around with you all - getting ready, getting merry and feeling festive. I want to make this our happiest Christmas yet despite all of our hardships. I hope you'll help me and I can be of help to you!

MsPawz. X "