Spend Nowt, Buy Nowt, Owe Nowt

apple_muncher

Yikes to the wm catching fire! But yay to getting one with an internal light! Gally would be impressed.

Good luck with the CV stuff.

XSpender

apple_muncher wrote: »

Yikes to the wm catching fire! But yay to getting one with an internal light! Gally would be impressed.

Good luck with the CV stuff.

We didn't realise until we switched it on that it had the light and I did think of Gally when it came on :rotfl:

lindez

Well done on the mortgage hopefully it will be all done and dusted by the end of October. The washing machine with the light sounds great.

Treadingonplaymobil

:eek: to the flaming washing machine, how alarming! I am aware ours is probably on the count down to its final days (it's only four years or so old, but it was a fairly cheapie one), and feeling likewise - can't wait until the day we have a sensible emergency fund for such things! I can see why people slow up on the debt busting to build a decent emergency fund, but I can't quite bring myself to do so at this stage.

XSpender

Treadingonplaymobil wrote: »

:eek: to the flaming washing machine, how alarming! I am aware ours is probably on the count down to its final days (it's only four years or so old, but it was a fairly cheapie one), and feeling likewise - can't wait until the day we have a sensible emergency fund for such things! I can see why people slow up on the debt busting to build a decent emergency fund, but I can't quite bring myself to do so at this stage.

We never seem to have enough money left after minimum payments to build up even a small emergency fund and it would have been a drop in the ocean after DH job loss.

We had a h0tp01nt which had lasted at least 6 years but have gone for a b0sch this time as there wasn't much difference in price with the end of model one we bought and we are hoping it lasts us until we have paid off most of the mortgage.

Mortgage Deed has arrived for signature so DH will take to work to be witnessed and I will ask my friend who lives locally so we can get it in the post by Friday.

We have only spent £10 on fuel this week. I have given DH a larger lunch and this has stopped him buying extra at work. I will need to pop to Ald1 for milk and a couple of RMs for DH today and am hoping to pick up a couple of base layers for our walk if there are any left.

We have decided to cut down on the amount of meat we eat so that we can buy organic. I bought chicken breasts on Friday and the difference in quality and taste was really noticeable. I bought them from Asda as the veg box company charges an extra £10/kg :eek: We have had two veggie evening meals this week so far

I still haven't done anything about my CV. I had a call from an agency and while the job was about 3 miles away the salary was a lot lower and I am looking for more. Talking of jobs, DH is being head hunted back to the company he left 12 months and 2 jobs ago! This is the job that is his holy grail and should have been his 2 years ago if the manager hadn't given it to his inexperienced mate who ended up ruining the department and losing the company thousands.

enthusiasticsaver

XSpender wrote: »

We never seem to have enough money left after minimum payments to build up even a small emergency fund and it would have been a drop in the ocean after DH job loss.

We had a h0tp01nt which had lasted at least 6 years but have gone for a b0sch this time as there wasn't much difference in price with the end of model one we bought and we are hoping it lasts us until we have paid off most of the mortgage.

An emergency fund is critical when you are in high debt as you have found out. The debt spiral that you are in though is obviously making that difficult to sort out. High debt equals high minimums equals low disposable income so any emergency ends up on the cards which in turn increases the minimum payments and debt totals and it just escalates.

I am not a fan of debt consolidation especially on to a mortgage but I know you have gone for it so I would urge that any reduction in debt payments goes into emergency savings rather than more disposable income. There is every indication that interest rates will rise gradually over the next few years and given your DH seems to be in insecure employment having a buffer is crucial.

badmemory

XSpender wrote: »

DH is being head hunted back to the company he left 12 months and 2 jobs ago! This is the job that is his holy grail and should have been his 2 years ago if the manager hadn't given it to his inexperienced mate who ended up ruining the department and losing the company thousands.

If the manager is still there then he needs to think about it VERY seriously. A manager who makes such a bad (& unprofessional) decision cannot always be trusted to make good ones in the future.

XSpender

badmemory wrote: »

If the manager is still there then he needs to think about it VERY seriously. A manager who makes such a bad (& unprofessional) decision cannot always be trusted to make good ones in the future.

Luckily he got the boot too badmemory.

XSpender

I've been a bit rubbish updating my diary this past week.

Documents have been witnessed and sent to solicitor for re-mortgage but no progress to report as yet.

DH has been contacted again about the job at his old place but I believe he will need some persuading to return as it has deteriorated so badly and he is not sure the right level of support will be available to put it right.

The good news is I had a chat with the client today and it looks like my job is safe although there will be changes which will make it different but not in a bad way. I didn't have my CV rewritten as yet as we have had some other spending this month and I didn't want to add another spend to the CC.

It is our epic challenge this weekend and the weather forecast is horrific :eek:

I still haven't found any flip flops/sandles for DS but DH and I got our warm tops for our holidays. DH has very wide feet so I am reluctant to order some, he tried on sliders in the shop and they were too narrow but way too big size wise.

I decided to do a big food shop to last us until the end of October (except a bit of milk, fresh fruit and a couple of small bits for our challenge) which has worked well so far. When I buy only exactly what we need it doesn't leave any flexibility for a change in plans or being too knackered to cook so having more in (even if it is a bit beige, I can add veg) has helped. Plus I have made DH a bigger lunch for the last week or so and he hasn't bought any extra food at work since.

Treadingonplaymobil

Great news about your job, and a lovely confidence boost for your DH to be so in demand, even if the job is too awful to go back to.

We have taken to always having some dried pasta/tinned tomatoes/garlic and onion type stuff kicking around, which means we can always make an easy pasta meal (sometimes we go through phsases where it's stir fry stuff) but it's cheap and can hang around and always gets used every couple of weeks or so when the menu plan goes horribly wrong (ie I'm too lazy to cook properly).