DD flies the nest ..how to cover uni costs

jwil

That's nice to know that you will actually be clearing the debt :T

I like to A-Z of beaches

elly68

cheers jwil ,think more folk on here would get accepted ,just expedia and that make it look like you never will I used the precheck thing on the home page .not sure bos will love me though lol

elly68

well almost better lots of rest and Netflix ,don't know if i'll make a beach this weekend but maybe sea air will rid me of these bugs . updated my snowball feeling very positive .
dd fundraising going well .hopefully get a stall in local mall and do tombola and guess the birthday .
then we will do some car bootys to cover spends she has all her kit .
nothing else big in the diary .

elly68

turns out when I was at the sisters at the weekend dh finally got his finger out and he too has his 0% for 35 months he has done the same and set monthly dd to clear by the 35 months ,he reckons card he transferred from will offer him a balance transfer for same amount again so that will be his all on long term 0% deals .Think we were mad not trying before to get new cards as we have always serviced debt feels much better knowing we are now clearing it .
his monthly payment is also less than he had been paying just to cover mininimum .
sounds like I've infected him with the virus though so he's not in the best of moods lol but I am.feel much happier spending less paying off more 35 months and 4 cc and 2 loans will be gone it really ain't that long . then I plan on becoming a mortgage free wannabee I reckon we could happily live off the same money and hit mortgage with the amounts as the loans cc are paid off and we have broken the consolidation cycle .2018 seems to be looking up x

elly68

hi folks well second cc applied for and accepted for 32 month with a 0.67 transfer fee .will transfer cards once that comes through will do the same and set dd to clear in 32 months so basically 3 0% loans all ending roughly the same time . one payment 266 and the other 156 clear in less than 3 years will need to make sure no more loans or cc we are both excited and his nibs didn't even want to go to pub last night .think i'm going to open new bank account we could split wages one for all dd and one for living off .now that would make life much easier .will look and see if 1 wage covers all debt .would make it much easier and we could look at overpaying if that's possible .no beach today as still unwell might try and do one after work .
lifes a beach go find one and go for a walk .by the way any suggestions of great beaches Scotland only would be appreciated ..x

elly68

updated the snowball ,if we get all cc on longterm 0% then paying 1250 a month clears 4 cc and 2 loans in 36 months ,really want to open 2nd bank account and split wages so that bills come out of one and left over money is in the other dh not liking this but I think its the way ahead .
I also think it will be good for in 3 years time that we could split that wage in 1 large mortgage payment and 1 large saving payment so up mortgage from 700 to 1250 and pay same into a savings account for a year so this never happens again .
Planning now for extra cash for DD now that we have our finances straight .? do overtime or cut back spending sell crap and bank it .
decisions to be made . Loving leaving a wet January into feb with a spring in the step and dH stepping beside me x
Beach this week if it kills me blow the cobwebs away time charging into my 50th year with sand in my shoes x

beanielou

Best beaches in the world are in North Berwick.Fact.

elly68

ha beanie my fav retirement destination lol,dh freaking as now we have 0% and split the payments we will be living of 1 wage for 3 years where we are lazy and lift 200 and just blow it now its a blow by blow account of every spend seriously considering not drinking at all at Friday wedding just to save money ,who am I lol.if I do that then will have cash to treat dh .think we will be left with 250 a week to live off when 1 wage covers the debt and the other covers mortgage ,gas elec council tax insurances will try saving to have emergency fund so we don't fall back to using cc ever but hey we own the house so who knows what surprises are in store .
need 2 carpets and hall redecorated but reckon I can incorporate that by batch cooking and using up all the alcohol in house instead of going out lol oh and beanie north Berwick is now my N x

elly68

new uni lecturer is lovely feel so much more positive regarding the module and definitely exiting at certificate level .no more big studying for me . dh finishes uni in may alongside me in time for dd to start at least we will understand her costs ,stresses ect .my sister is terminal with brain tumor and is fulfilling her bucket list as she was given weeks rather than months and this is spurring me on to live live live ,the estate might be traded in for a bongo sometime soon lol
lifes a beach x

elly68

wedding done ,on the cheap, vodka in room ,no breakfast, same outfit as before,sister paid for her room I was expecting to pay that so 65 quid up .went to poundland and bought spare reading glasses .all in all a cheap weekend .im a very happy bunny this weekend planning a beach next weekend or might manage d and e was thinking dunbar and eyemouth x find a beach and let the sand tickle your toes x