Prosperous soul in the making

Drawingaline

Glad you got to see your parents.

jwil

You are making great progress with things

savingholmes

Hi MF, Drawingaline and JWIL
Yes - DS is earning great money already! Let's hope he keeps it up. He has a £30-40K uni bill to pay off though. He had to have another private prescription today and it cost him over £100!
Some good news:

• The IFA has managed to link up with another pension transfer company who will look at my case. DH is going into work tomorrow so will hopefully be able to scan or photocopy some papers to send them so we can get that moving. Really hope that comes off.
• We have a food delivery tomorrow evening which I am looking forward to. 
• Today's rain has been good for my garden.

DH had to go in work earlier and has to go back again tomorrow to sort a problem out that wasn't fixed.

longway2go

Your catch up with your parents sounds lovely and such a nice atmosphere with the fire pit etc. 
Ds seems to be doing really well work wise. 
Well done on the EF. 
Have a look at team tomm for your DD, you can get an app and will give her a tixklist which might help motivation and make sure nothing is missed. 

savingholmes

Awake early today - hopefully I can start and finish work early for a change. I am down to only 2 painkillers a day - and will try to knock the one off at the end of the day and see how that goes. I am losing weight again - down another 1lb. I've decided to redo my priorities again - I know I am slipping and sliding all over the show changing my mind but I think I was doing better when I was just focused on clearing debt. I've decided to stop OPing the mortgage for now and just focus on the target card. I am hoping I can get back to a February 21 ish date for being CC free. If I charge DS board we may be done for Christmas which would be fab. I paid our target CC £20 last night.

I am really excited that the pension deal may now work out. I will still have to go through a detailed questionnaire / phone interview with them too so they could still turn me down. 

clearmydebts

Hi SavingH,

How lovely of your parents to come and see you. Sounds like a really nice evening. Wow - that is a huge amount of student debt. Is that average for the UK? I agree that DS should pay some board as he needs to know that bills need to be paid. 

DancingInTheRain

Sounds like a fab few days, hope all goes well with the pension x

savingholmes

Thank Dancing. CMD - yes - his student loan would have been around £9.25K per year just for tuition. He only paid £1.8K for year 2 as it was abroad so that helped offset other higher costs. Maintenance loan is around £9K a year - we paid about half and he borrowed half - and an extra £1K while abroad. He also has credit card and overdraft and another loan which add up to another £3-4K. He worked 6 months of year two, and holidays in year 1 and a few months before his trip to oz in year 3. If anything his loan payback isn't as bad as it could have been due to the study abroad year. The worst thing though is that interest is charged from day one and what's wrong is it is way above base rate which feels very unfair. Our part of the bill has easily been 15K+ with things we've ended up funding for him particularly in his year abroad. We gave up DH's car to help pay for it.

I did a search for my chair company and they had sent me an email. I will be sent a link mid June which I can then use to book a delivery slot for July. Drivers are returning as volunteers so it depends on the uptake! I have to keep reminding myself how comfortable the chairs were and that I'd waited about 18 months before even ordering them - another few months won't harm me. I'm safe at home - they would have to share a cab and work closely with someone. I sympathise with their risks. The council will take away the old chairs for just over £40 but I need to book about 10 days in advance. They aren't suitable for rehoming - think glue and paint stains etc. May look into the cost of a skip for comparison as DD is keen for me to do more decluttering and apparently the CS sector are expecting to be overwhelmed with stuff when they reopen so that may not be an option. I've never been any good at fleabay.

DH managed to do my photocopying earlier. I still need to send it off - just want to check some missing Ts and Cs before I do. He drove my car and gave it a run which saved on buying any fuel. V have refunded £5 from when I switched phone which I will put towards target CC.

MovingForwards

Some delivery companies are doing one in the van and the other following in a car, then they can maintain social distancing.

Potentially you could dismantle the old chairs and take them to the tip, free aside from petrol and time. Skips are not too badly priced, but you would need to declutter to justify the cost over the council fee.

I'm expecting CSs to be swamped and am keeping an eye out in case any refugee shelter etc pops up looking for clothes to help people start over; I imagine the numbers will have increased with lockdown. Do use social media, local selling sites etc to try and re-home some things, anything made could go towards target CC.

Hopefully you will hear soon about your pension.

savingholmes

Thanks MF. Well I lost another pound overnight which was positive. I didn't take any painkillers yesterday and although I can feel an ache in my leg near my knee today it's not bad at all. So that's the best my leg has been since January! I thought my payment to the target CC would replace the direct debit but it didn't so an unplanned £81 went out. It wouldn't let me pay the £5 yesterday though, That card now stands at £7898. My current target is to pay it off by November. 

It's raining here again. I ate my first strawberry from the garden. My salad leaves are growing well but don't taste nice - apparently due to the heat or possibly too much nitrogen. My purple carrots have sprouted as has some spinach. Hoping to go for a walk with DH and pooch if the rain eases up. I want to start and finish work earlier today if I can too. I also plan to post some stuff (possibly via DS).