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Drawing a line under the debt. Take two. - Page 11

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Drawing a line under the debt. Take two.

edited 30 November -1 at 1:00AM in Debt Free Diaries
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  • DrawingalineDrawingaline Forumite
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    Just been to get some quotes for flooring. Definitely getting the conservatory done, have an appointment for them to check if it needs screening as we are having vinyl. Got a quote for front room, but dh really cannot be bothered to try to clear the room. It's big too, nearly 7mts long, and we are limited on where to put the stuff! But I will prevail :rotfl: it just may be after the summer. The gardener should be turfing before the end of July, I have the money for that. The flooring will be going onto a 0% card with a standing order set to clear it by next August as our mortgage deal ends in September and I want to be in the nest financial health for a remortgage.

    I have a healthy amount in my work buffer, so have planned my time off in August. I also have all the money set aside for scotland, and a bit for other summer trips that will be added too in July and August. All over payments are now suspended until September.

    We went on our legoland trip, and there was 20% off everything while we were there :eek: so £260 later :rotfl: however this included my oldest sons birthday present and a set dh has wanted for ages but would never buy, and after the ppi payout........ :beer:

    I got some tickets for West end shows through kids week, so me and the girl are off to see 42nd Street and dh will be taking the boy to a play when we are in scotland. Lots of complaints about the ticket prices through it, but they always put the highest tickets up, I made sure I found out the prices from the official sites the day before and knew what I was willing to pay. We are in one of the circles, but have never had a bad seat through them so should be fine.

    An expense not budgeted for is my daughters new school uniform. I am actually a bit annoyed as she is going into Yr 10 and we bought new stuff last year to last her three years, but the new head is changing the uniforms and now I need to find over £50 for a blazer, new jumper and shirts. Annoying when her current uniform would have seen her put of secondary :mad:
    Dad 6k
    Offer on house and chain complete 21st July 2020
    Solicitors instructed 23rd July 2020
    Mortgage application 28th July 2020
    Mortgage valuation booked 12th August 

  • DrawingalineDrawingaline Forumite
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    Another week, another stress from the smallest. He is really struggling with school, so much so that last week I was in tears over it all. I am almost at the point of jacking in my job so I can home school him. But financially that would be a bit of a disaster. The school are being amazing and really trying to help him, but I am honestly so worried about the affect it is having on him.

    Not a no spend day today, needed a monkey costume for the smallest drama performance next month, £8 on amazon for a brown t shirt and monkey ears and tail. Still better than buying a full costume though.

    End of year expenses are adding up too, trips, etc. And the girl has signed up to do D of E which has a £30 sign up fee.

    The dance show is looming too, tickets all purchased and all costumes paid for, so at least that expense is out of the way for another couple of years.

    Anyway need to crack on with work, hopefully no more money spending today.
    Dad 6k
    Offer on house and chain complete 21st July 2020
    Solicitors instructed 23rd July 2020
    Mortgage application 28th July 2020
    Mortgage valuation booked 12th August 

  • DrawingalineDrawingaline Forumite
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    Nsd today, Tuesdays are my weak time fpr food while working as it ithe on day I hanve time and am near enough to a shop to grab a sandwich. I was strong:J I need to get onto the scales tomorrow morning.

    As part of my trying to stop goig to the supermarket all me I have sorted out my milk delivery. Have always had milk and bread delivered, but the small two eat so many apples. So now I am having apples delivered three times a week, and a large fruit box once a fortnight. Today was the first box, the grapes weren't great, but the oranges were lush:o it's a significant increase in my milk bill, but should be offset by not traipsing to the supermarket every iher day for bloody apples :rotfl:

    Today I had a long long meeting with the school and the behaviour unit re the smallest. He had a mixed day today, but after last week I am counting it as a win. The meeting was already planned, but there was so much to discuss so it overran meaning that the smallest missed his drama class. Not ideal, but he settled OK in the end.

    I am also in the middle of debating a dla claim for him. We receive it for my autistic son, and the smallest has more issues atm. I hate the form it is so depressing, I have been putting it off for four months, I am also going to start the process for actuary geting a formal diagnosis for him. My older sons diagnosis was easy, but we were still under the health visitor at the time, now I have to go via the GP. But he amount of additional help he is needing at school, alongside his behaviour at home means I need to do this now.

    But of a depressing post today!
    Dad 6k
    Offer on house and chain complete 21st July 2020
    Solicitors instructed 23rd July 2020
    Mortgage application 28th July 2020
    Mortgage valuation booked 12th August 

  • DrawingalineDrawingaline Forumite
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    Been a bit spendy this weekend. Managed to pull money from other areas to cover, but not great really. I know it is stress tt is doing it too. Weight loss is not going well either, again stress eating! Will weigh in tomorrow, and then it is four weeks until I go to Scotland, so will be dedicated until then, hope to lose half a stone. However I have the older twos dance to get through, I help backstage and the dress rehearsal is this Sat, so hopefully I can be strong food wise.

    I have a man cominover sat to look at the back lawn as my normal gardener has backed out on me. I don't think he wanted to do the turfing. But a bit anoyed as he could have told me this three months ago! So will see what t this one says but he has no free space until August.

    Also have someone booked to come and look at boxing in some pipes in the kitchen. Need to do that before I cna get tiling done so will be a start.

    The smallest is a bit more settled at school now fingers crossed it lasts until the end of term!
    Dad 6k
    Offer on house and chain complete 21st July 2020
    Solicitors instructed 23rd July 2020
    Mortgage application 28th July 2020
    Mortgage valuation booked 12th August 

  • DrawingalineDrawingaline Forumite
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    Keep meaning to post and then getting distracted! Things are ticking along, no over payments until September now though.

    Had a gardener around at the weekend to quote for turfing and it came in less than I had put aside so all good there. Have someone coming tomorrow to quote for some carpentry work in the kitchen, have a figure in mind (had something similar done in the girls room but with a different company) so will see what they say.

    I am struggling with all the end of term spends atm though. The girl has signed up for DofE so having to find funds for that, and school trips have all come at once. Add in the dance show costs and I feel like I am drowning! It's all covered, but I just feel like I am spending out money all the time atm, and knowing I won't be doing any over payments is making me twitchy :rotfl:

    Food shopping being delivered tomorrow, and cupboards full from my lidl shop at the weekend, and won't need to buy anything else until I get back from Scotland.

    But I still haven't received my tax credit renewal pack. I called last week and it was apparently sent at the beginning of May. So a new one was sent. Yesterday I received the original one that was sent 3rd May! And no way in hell has it been in the post for two months. I have all the figures ready, I did my tax return in May so I would be prepared, have updated online estimated income for 18/19, £50 a month has been docked, but my estimated self employment for 17/18 was 2k less than my tax return so I actually think they owe me money. I have three weeks to receive this new pack, as it cancels the original one the minute I called, such a bloody farce. I got a bit annoyed on the phone, I have the figures, all I have to do is log on and confirm them, add in self employment, but I need a code that is in the pack apparently. First year in 14, I haven't received the pack. I was told I would be allowed an extention as I had called and requested a new one, but I just want them to take my figures!!!

    Anyway as long as my payments don't actually stop I may be due a larger payout at some point, and I am coping with the £50 drop, so any extra I may get can go straight on debt :j it's just annoying having to deal with it.
    Dad 6k
    Offer on house and chain complete 21st July 2020
    Solicitors instructed 23rd July 2020
    Mortgage application 28th July 2020
    Mortgage valuation booked 12th August 

  • DrawingalineDrawingaline Forumite
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    Tax credits finally renewed. Wait three weeks for the pack then rang up and got stroppy with them so they did it over the phone. Hoping they owe me money, but won't we sorted until September.

    This week I am going to finish the DLA form, need to take it to school to get one of the members it staff to add some bits to it. Never convinced with these things, it will just be a waiting game.

    Dance show is over :T it was fabulous and they have worked so so hard and the boy got an award which was nice. Can relax a bit now.

    I have purchased some uniform for next year, annoyingly the girls school have changed theirs, just as she is going into year 10, doing the whole blazer thing, one blazer and one jumper = £60 :eek: tee boy needs a new blazer too (different school) as his Yr 7 one is too small now he is coming up po
    Dad 6k
    Offer on house and chain complete 21st July 2020
    Solicitors instructed 23rd July 2020
    Mortgage application 28th July 2020
    Mortgage valuation booked 12th August 

  • DrawingalineDrawingaline Forumite
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    Year 9. Tonight I am going through all of their stuff and the things I have in the top of my wardrobe to see what needs to be bought. I want it all ready by the end of next week, no last minute searching.

    Mil came down for the dance show. She bought new trainers for all tee boys and two pairs of school shoes which is a relief. So just two lots of pe shoes and two school shoes to buy.

    It just seems like an upward battle atm with spending.

    One week three days until we leave for our Scotland trip and I can't wait!
    Dad 6k
    Offer on house and chain complete 21st July 2020
    Solicitors instructed 23rd July 2020
    Mortgage application 28th July 2020
    Mortgage valuation booked 12th August 

  • MumoffourkidsMumoffourkids Forumite
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    Good news on mil buying some school shoes. I am hoping my son can last another six months in his school shoes which would help. Then dd2 doesn’t need any uniform apart from tights as hers all still fits her. She has also said her school shoes are fine for a while. So it’s just shoes for dd3 and then new blazer, skirts and shirts for dd1 if she goes to the grammar school.

    I also feel your pain with spending out at the end of term for everything. There always seems to be something to pay for like a school trip or concert or teacher presents. I won’t be making any overpayments once the one I do today until at least the middle of August as I have a huge nursery bill to pay for August. I also hate not overpaying so know exactly how you feel!

    And how close is your Scotland trip now? You must be so looking forward to that.
    Emergency fund £257.38/£1000
  • DrawingalineDrawingaline Forumite
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    Really am. My mum took the boy into town this afternoon to spend his birthday money and bought him a blazer and pair of trousers which was nice.

    The girl is in London this evening watching the Lion King so I have to stay up to collect her at midnight. Tomorrow morning is going to hurt!
    Dad 6k
    Offer on house and chain complete 21st July 2020
    Solicitors instructed 23rd July 2020
    Mortgage application 28th July 2020
    Mortgage valuation booked 12th August 

  • DrawingalineDrawingaline Forumite
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    Well annoyingly after spending out on pe shoes I found a pair of size 3's in the wardrobe! But then had an email saying the size 3's I had ordered were out of stock so refunded :j

    Last day of school tody and one week until we leave for Scotland. He warned the big two that the coming days are for any homework Guiting bedrooms and souring all uniform reayy for next year. I don't want a last minute rush like normal!!!

    Yesterday I overheard some young women discussing some debts and bills etc. I actually approached them and told them about these forums and to look on them for advice. Told them I wish I had known about all this at their age. One of them wrote the Web address in their phone thanked me. No idea if they will look at it but I couldn't not say anything. I was sat right next to them and they were pretty loud, but one of them sounded quite stressed, I did say there were organisations like stepchange who could help. Hope they do look into it.

    Anyway back to work now.
    Dad 6k
    Offer on house and chain complete 21st July 2020
    Solicitors instructed 23rd July 2020
    Mortgage application 28th July 2020
    Mortgage valuation booked 12th August 

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