DD flies the nest ..how to cover uni costs

elly68

Well restarting my diary ,I'm turning fifty this year happily married two kids still alive healthy and nice ,I've now got people around me who have lost their kids through illness and to be honest my only concern is how to help her pay for uni .We are in Scotland but she wants to live out and because of income she will get £4500 a year .She has some health issues but not life threatening and for that I am eternally grateful .So time to focus ,I love painting and my treat to myself is to visit 50 beaches in the year. Photograph then paint and maybe even sell on who knows. An A-Z 26 beaches might be more realistic but my dog is old and loves a beach so this will be days out for me ,with friends, with dd, with hubby and together as a family with the dog always there regardless of combination. There's the added benefit that picnics will be a must as the dog doesn't settle in cafes or pubs so cheap days out as well .I have lots of debt but good income as long as hubby and I don't get sick and pull the belts in i'm hoping to shore up DD nicely through uni with a monthly sum of £800 most of that is accomadation 2018- 2022 is going to be poor but fab .Good luck ev1 with you're up and coming challenges .
Will list debts later I've joined the challenges ,most wasteful area in our household is food and credit card payments I plan to be the balance transfer queen.

redofromstart

Happy new diary, and good luck with your plans

Honeysucklelou2

50 beaches sounds a great idea, especially if they cover different coasts.

elly68

hi redo and honey, started off well with a new cc with 25 month 0% and a good balance go me ,now to do transfers and cut up old cc ,did want to take dd and ds to florida next year but know I am just racking up more debt .So the fifty beaches or a-z sound good enough to me I'm easy pleased .If all goes well with debt busting might do Florida the following year so cc free target date will be july 2019 the end of my fiftieth yearsounds like a plan to me x hope all is well in mse land now to sort out food x

elly68

well ive written a shopping list as often end up back at shop due to the item I went for not being in the shopping when I get back . dh is finishing on-suite bathroom that he decided we needed ,as always at this time of year I try to get him to focus on financial matters and for once it was him that kaibooshed the florida trip due to expense think he is also aware of upcoming handouts to dd .we have joint account we both spend and contribute almost equally .his job is now to apply for a balance transfer he is currently overpaying one cc . moving on to go look into challenges and get moving with those .

jwil

Happy new diary!

Choccygirl123

Hi elly

Just popping by to say hi and wish you all the best. I love the idea of painting the beaches. I lived in Scotland for 3 years on the fife coast and it still feels like it could be home again once we retire.

Sounds like a good plan and I’m sure your DD appreciates the support. It’s a worry how much debt they can acquire whilst studying. My god daughter is in her second year and doing well, but my best friend is keeping her afloat. I’ve got two children who both want to go and it’s a good reminder I need to clear the debt by the time eldest goes in 5 years. The youngest is a year below so hate to think how much it’ll cost having two away!

elly68

hi jwil and choccy i will only have 1 for uni but will support ds on his choices , it has come round really quickly ,i have a few nights out in January so will need to be canny with the spends .

Pippilongstocking

Morning just wanted to wish you a happy new diary - getting them through uni is a hard but achievable one and I wish you all the best with it. Also in Scotland - one is finished uni and one is just in 4th year.

Living out builds good skills, dd could have stayed at home with a long commute but she's loved living in the city.

Love a good beach and have a senior and not so senior mutt in my life. I can't however paint or draw (well I can but badly)!

Happy New year and good luck with it all - I'll be cheering you on for sure.

elly68

got to laugh wandered into other peoples diary's and forgot my own ,hi pippi x well got 35 months balance transfer works out at 266 a month then clear old cc cut up well actually cant fid the new one think I shredded it when it came in .that leaves 3000 on 0% till june and 2000 to transfer to 0% . we have already started living off the real card local pub will think we have died don't miss it don't care .Have applied for hubby 0% card hopefully he too gets a good deal .
Beaches visited a=Arbroath b=blackness c= crammond and we will be out this weekend think we will do d=dunbar seemingly theres a pirate cave to find .
batch cooking for slimming world as well as using up cupboard hoping to cut the shopping dramatically as really its the only thing that can be .
Mot for car wasn't great before xmas but told hubby keeping it as only car old dog can climb in and out of and want her to enjoy the beaches .
going to look at under cover car bootys so if weather is crap for local one we can still go .
feeling very positive about life even though jan has started the year with losing a family member and finding out another family member is gravely ill .
time to clear up this small money mess ,help daughter and live my life rather than work and housework think jan news just came along to kick me up the butt and do stuff x
hope ev1 else is well
lifes a beach...find one and go for a walk x

elly68

do you know some things just hit u in the face I've set dd at 266 a month ,I was paying 300 a month so dd less and no longer paying 266 in interest but actually clearing the debt mental eh ive been paying that for years like an idiot always thought id get rejected for new cc ,crazy crazy crazy ,maybe I should have got flu before as I have sat down and sorted things out x dd needing our cash come sept really is a spur on ,feel sick but great lol hope you peeps are all good x