My journey to a debt free life

Onebrokelady

Oh dear,it's all gone a bit pear shaped here this week.DD boyfriend decided that things aren't working out so ended their relationship yesterday,he hasn't been right since he came back from Sweden and he told her yesterday that he missed her while he was away so had decided to give the relationship a go but had now changed his mind,apparently he has been feeling like this since the beginning of the summer but didn't want to upset her because of her being about to start the second year of her degree so instead he kept putting it off until now on her first week back,funnily it happens to coincide with when he was moving out to go to uni thus saving him having to move back to his mums before hand,I feel like he has just been staying with her for the last few weeks so he could carry on living here
She is very sad about the whole situation and I feel sad on her behalf but there is nothing I can do to make it better
He took all his stuff yesterday apart from his bike,he came back for that today but he left his car parked here all day while he cycled off to meet a friend at the pub for lunch,he collected hi car at tea time cheeky sod

foxgloves

The cheeky devil! Maybe you should impose parking charges!

Onebrokelady

foxgloves wrote: »

The cheeky devil! Maybe you should impose parking charges!

I was going to let his tyres down but then his car would have been stuck here so I changed my mind:rotfl:
He is moving to Cardiff on Wednesday to go to uni so we won't see anything of him after that,
My poor DD is so upset and I can't do anything to make it better,she has kept busy yesterday and today and I have been around to chat to but im working tomorrow so she will be here on her own Im hoping her uni work will take her mind off it and it won't affect her work

He has picked completely the wrong time to do this,all my instincts were screaming at me that this is what he was going to do,I was going to say something to him about letting her know if he wanted out before he went to Sweden, then she would have at least had the summer holidays to come to terms with it but I was worried I was wrong ,I tried to convince myself I was just being cynical because I have a very negative view of men in general but they always prove me right every single time, he bloody kept her hanging on all summer just to dump her when he didn't need to live here anymore :eek:this is why I will remain single to the end of my days,I can't be doing with this stress

Onebrokelady

Despite it being a sad weekend in my house we have been very productive
DD decided to move her room around so I helped her do that,it looks really nice now, we also took the dog on two good long walks to try to distract her as she is upset too,she loved DDs boyfriend with a passion and we knew she would be upset when he went to uni so I have been giving her lots of treats and attention ,she keeps going to the window to see if he is coming back
We also got all the washing done today although it didn't dry completly so had to be tumble dried to finish it off,DD is going to iron it all tomorrow while I'm at work
I also spent the afternoon doing some of my cross stitch,I made good progress on it but made a mistake on one section so that needs to be unpicked now,luckily it doesn't join onto anything else so should come out quite easily
I need to get on top of the house work so will slowly do those jobs throughout next week,one silver lining to DDs boyfriend moving out is that the house will now not look like a camping shop anymore and my kitchen won't be wrecked everyday and left for some one else to clean up

My good news for the weekend is that I finally got hold of an electrician to fit the new room thermostat for me,I phoned him at the beginning of the week and he came out and did the job on Friday morning,mind you it nearly didn't get done because I was at work and had left DDs boyfriend here to let him in and he didn't get up to answer the door,luckily DD hadn't left for uni at this point so she was there to let him in......he really was an unreliable so and so now I think about it

I'm off to bed in a bit because I have work tomorrow,the nice thing about that though is it's my day to do an early so I will finish at 3.30,I have some food shopping to get on the way home but that won't take long then I have Tuesday off and DGS to look after.....it's all go here

Onebrokelady

Quite a pleasant day at work today,although I was the only HCA on thenward so was busy,I like it when it's busy though as the day goes by much quicker
I finished at 3.30 pm today but had to buy shopping on the way home so didn't get home until gone 5,I was supposed to be cooking a leek croustade for my tea but was too tired so I'm going to hopefully make it in the morning when DGS has his nap
I have to go to my mums at 1.30 for a hair cut so will be busy tomorrow,I'm also going into the council offices to ask about single persons living allowance for my council tax,DD is a full time student so I should be entitled to it hopefully
I've been reading Matt Haigs new book called Notes On A Nervous Planet it's basically about how life is engineered to make us unhappy so we as a consumer society want more and are never satisfied,it also talks about how social media is making us unhappy,it's a very interesting read and I am hoping to finish it tonight

Onebrokelady

I'm back :j
Things have been up and down here over the last week,DD is still upset over her relationship split but I have to say she is putting on a very brave face and getting on with her work,she said she is trying to keep herself busy so she doesn't have time to think about the situation, it worries me a bit because she is very good at covering up how she is feeling and I'm hoping she is going to be ok, she has got very organised for this uni year and has not let what has happened affect her degree at all so that's a relief

Money wise I'm not sure where I stand at the moment,I got paid today and like I thought working 30 hours a week is not going to be enough to pay everyone and my debt,I'm going to sit down in a bit and work it all out and see where I stand,I still haven't been into the council so need to do that ASAP
I told one of my managers that these new hours aren't going to work and that it was stressing me out so she asked what could they do to make it work,I told her I need go work at least two sundays a month and so she said she I had to speak to my colleague who does the rota and tell her to give me two Sunday's a month,since I started these new hours she has only been giving me one and no Saturdays,she does know I need the weekends but just doesn't seem to put me on as many as I need ,I'm giving it another month and if nothing changes I am putting my hours back up

I got the bill from the electrician for the room thermostat and it was £36 :T I was so relieved I thought it would be loads more than that,I had a thermostat anyway so he didn't have to charge me for that

In other news DD and myself have booked to go and visit Bristol,we went to the Xmas market there a couple of years ago but couldn't stay too late because of getting the train back,so we said at the time we would do it again but stay overnight and have two days in Bristol,that way we get to see and do the things we missed out on last time, we have booked a Premier Inn for £49 for the night for both of us and we just have to book the train tickets now,DD was going to give me some keep this month but I told her to use that to pay for my share of the trip ,we have managed to do it really cheaply,I just need to save up some spending money now,I'm feeling quite excited about it :j,it will be lovely to get away and it's something for her to look forward to

I'm having a day at home today,work has been really busy and I haven't been very well and I'm in a fair amount of pain at the moment so I planned to potter at home,I should have been going riding as it's a Thursday but I told her last week that I wouldnt be able to go as I was busy,I don't want her to start taking it for granted that I will be there every week like she did before,last week it was just the two of us and I mucked out 13 horses:eek: this is probably why I'm not feeling too good this week,so I'm having a day off:)
I've done a load of washing and also washed all my cushion covers because that doesn't involve me actually doing much and the next job is my banking and paying the electrician then I'm going to do a bit of cross stitch

Onebrokelady

So I've paid the bills I wanted to to and gone through my finances and as I suspected my wages won't cover my bills and debt in the future,I phoned SC and spoke to a very nice man but because I told him I don't know from one month to the next how much my wages are going to be becasue of unsocial hours he told me to wait until the end of October when I get paid again and phone them then,this won't make it any easier to work out because my wages will still be completely different the following month,it's so frustrating,last time they added three months together and then divided that figure to come up with an average but I can't wait that long:(
I've worked out that I can afford everything this month but that was because I got two sundays and a Saturday in my wages,this won't happen again and next month I only have one Sunday and that's it so it will be even less,we didn't manage to sort anything out because my phone was playing up and cut us off,I felt so stressed out I couldn't face phoning them back and going over it all again,every time I speak to them I just sit there shaking, it's ridiculous becausethey are really nice people and so helpful but I can't seem to control this reaction
I'm going to leave it for this month and see what I get paid next month then phone them again and aske them to adjust my payments accordingly

I didn't update my savings totals on here for the money I had to take out of my emergency fund to pay for the room thermostat so I will do that now
The thermostat cost me £100 which left me £350 in the emergency fund,I put back £50 today taking me back up to £400 and my dear mum gave me £100 to treat myself on Saturday so that went into the bank and has gone into my Xmas savings account which now also stands at £400,I'm soooooo pleased with this as Christmas this year is totally paid for in advance,I have never done this before so it's an achievement I feel proud of
I saw that Martin Lewis had a Xmas special programme on the other night so I'm going to watch that on catch up to see if there are any hints and tips I might find helpful,another bonus of DD boyfriend leaving is that I now don't have to buy him a Christmas pressy......so silver linings and all that:rotfl:
Just to clarify the Bill for installing the thermostat was £36 but I bought the thermostat myself,I've paid the bill for installation out of my own money because I could this month and didn't want to use up my emergancy fund,I like seeing that money in the bank and if I need that £36 later I can just transfer it over

Onebrokelady

Day off today so I had a nice lie in this morning. Me and DD went to a vegan market today in town,it was really good and we found some nice food there,it was a bit pricey so only things I would buy as a treat but it was a nice afternoon out,DD bought some ale for herself for Xmas and we both bought some lovely bread and a yummy doughnut each

Food wise we have had a very naughty weekend as I won a large chocolate cake at work yesterday,it was baked by a lady I work with and she is so talented and I have to say it was the best chocolate cake I've eaten ever, it was massive though so I took two large slices for me and DD and I left the rest in the staff room at work for the nurses to eat who were still at work when I left,i finished at 3.30 yesterday and I have to say I was glad to go home because it was a really busy stressy day

Tomorrow we are going to Ikea if I have figured out the bus timetable properly,DD wants some drawer organisers for her room and an underbed storage box,she also wants to look at desks while she is there ,I don't need anything really apart from an underbed storage box so I will see how big they are and how much they are

I was going to do some sewing when I got home today but was so tired I fell asleep for a couple of hours,i then woke up at tea time feeling all groggy and horrible with a headache,we had tea took the dog out and then watched Peter Rabbit instead,I then finished off a book I've been reading about curing chronic pain through the power of your mind,I'm in bed now and hoping to sleep well tonight as I'm shattered for some reason

Onebrokelady

Well it's now the 5th of October and I'm not doing too well with my budgeting this month,I've not drawn out cash for my food shop so I've been using my card,I've not checked my bank account to see how I'm doing either,I have just completely lost my motivation,I'm fed up of struggling for money and having to watch every penny and I can't seem to focus
I'm stressed out about my earning not being enough now but I'm still going to wait until the end of October before I make my mind up about what to do
I'm applying for single persons living allowance for my council tax, I'm entitled to it because DD is a student but the council told me I need DD to get a student exemption form before they will let me claim it and the uni are saying they don't need to do this as the council are sent a list of every years current student intake,so I have to go back to the council now to see what they say,DD isn't at uni now for 9 weeks because she is on her second placement so she can't get it now anyway,why is everything always such a pain in the neck

Gilli1976

Hi. Sorry to ask but how do I start my first post on here? Ty x