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“Rock bottom became the solid foundation on which I rebuilt my life.”
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I think that if you can get going on the surveys you could get something towards the holiday from them, if its "only" £50 that you need to pay in May (beginning or end?) you may be able to scrape it together somehow especially with the weather theoretically getting warmer so less heating needed, and the nights being light longer will save electric etc etc. There is no room to cut back but will a anything like the council tax drop for the new year?
As others have said, if the appeal goes through you could get money backdated plus the tax credits could come back again, so its possible that they would pay for it - and if anyone is in need of a holiday to look forwards to its you and the smalls
Credit card debt - NIL
Home improvement secured loans 30,130/41,000 and 23,156/28,000 End 2027 and 2029
Mortgage 64,513/100,000 End Nov 2035
2022 all rolling into new mortgage + extra to finish house. 125,000 End 20360 -
Things are looking better and it's good to see you're able to start putting some money to one side for things, especially a hospital fund. xx0
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All caught up. Pleased things seem a little brighter than they did a week ago XxDebts @ LBM £23,729.31. Debts @ 08/04/2016 £0 :j
Best win so far - holiday to Florida0 -
Great news on starting a hospital fund x I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Can you speak to the people who supply the nappies & tell them you use more one than 2 1/2 a day for DD2?
Worth a try? xI am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Why 2.5 WB? 2 or 3 yes, but the half intrigues me. Do they round up or down? x0
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No Busymee I don't get the £150 back either way. But. I've missed 5 instalments
the 18th of this month is the 6th I'll have missed so they will cancel themselves even if I don't do it myself. I was worried there could be fees but I've just had a good look and I don't think there is fees if they cancel I'll just lose the money already paid. So I might just leave it for them to cancel.
I keep asking Beanie. We are stocked up again now if she stays 'well' it will last over 7 weeks. Tea 2.5 is on the basis she gets 2 a day and the half allows for spares. we actually get 224 every 3 months.
x“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0 -
WannabeFree wrote: »No Busymee I don't get the £150 back either way. But. I've missed 5 instalments the 18th of this month is the 6th I'll have missed so they will cancel themselves even if I don't do it myself. I was worried there could be fees but I've just had a good look and I don't think there is fees if they cancel I'll just lose the money already paid. So I might just leave it for them to cancel.
I keep asking Beanie. We are stocked up again now if she stays 'well' it will last over 7 weeks. Tea 2.5 is on the basis she gets 2 a day and the half allows for spares. we actually get 224 every 3 months.
x
So even if DD2 is well that does not even cover 2 months.
I would ask someone at the hospital can have a strong word with them. This is not acceptable xI am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
WF have you looked into cloth nappies? There are local 'libraries' that at trial them for free and hire them at low cost (obviously I don't know whereabouts you are, but a quick Google found at least one area where you can apply for a 'starter pack' worth £100 for free). Perhaps not suitable all the time but might mean the disposables could be stretched out?Debt free May 2016... DFW#2 in progress
Campervan paid off summer '21... MFW progress tbc0 -
I do have some cheapie reusable Rosa. When she's well I use them during the day as to her they don't feel like nappies I will have a look though as if we had a couple more maybe it's something that could be more permanent when she's good and then the disposables for when she's more reliant on them.
Thank you“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0
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