Prosperous soul in the making

ohdearhowdidthathappen

Sounds like you've got a good level of cover overall, but agree that it sounds like you were missold the decreasing level cover if you had an interest only mortgage.
Glad everything else seems to have settled down a bit for you

clearmydebts

Glad you've had a more settled week. Hope you have a lovely time with your family tomorrow and a chilled weekend in general

savingholmes

Thanks both...

Well my favourite pair of black boots is coming apart from the sole and is worn through underneath - so I went and looked at £v@ns and they had a 24% offer if bought before midnight. They then had a 20% off offer that I applied on top by signing up for their newsletter. So I ordered 2 pairs for less than £59 which would otherwise have been £96. Hoping at least one of them fits me - but if both do will keep them. It's getting harder and harder to get wide fit footwear - especially if you need extra wide like me... I've had mixed results on quality from them so hoping for the best. Some of it is coming out of my spends for this month (had £46 left) - but £12 will need to come out of next payday's spends... so a bit naughty to buy now - but wanted to get the offer while I could. I am down to sandals, one pair of coloured boots and some trainers currently so not good! I'm due to be in budget until I have to pay my car insurance - and then I will probably dip into overdraft for upto 3 days... should be for free.

Been working through my washing all night. Not sure what I will wear tomorrow. May wash and wear what I've had on today as it is quite a funky top... Still not done anything about sorting pressies for nephews. My DD got me to buy her a pinata for a party she didn't end up having so thinking of buying some sweets and taking that down with us. DS is coming to meet us here by train and then come down with us as its cheaper. He got paid his student loan today and has booked his ticket to Oz from mid Dec to mid Jan. (TBF costs go up daily and he's due a big refund in tax and NI from Oz end Oct). DH is irritated though - however DS had discussed it before doing it - and I do think it is ideal timing while he has the freedom from a day job.

It is annoying though that I am debating whether I can afford to buy boots at £58 and he's just committed £600 just in flights and insurance to go out there and will have spends of £400-1000 on top. He's hoping most of his accommodation will be free with friends - and some of his food. He hasn't managed to get a job yet - but has been applying. I am justifying.... if he can get a job it's not a problem but if he doesn't get a job it could be. He is also missing a few days of uni - but TBF contacted his lecturers to make sure he wasn't due to miss exams. I will really miss him as he will again be away Christmas and birthday - but he's going to a music festival while out there for free as a volunteer that would otherwise costs hundreds of pounds. He went last year and had an awesome time. When he graduates he is thinking of going back there - so again I can understand wanting to keep his contacts over there...

I just have to remind myself that when we have cleared the CCs we will have options and could go travelling if we really wanted to....

DD had a lovely time out at the cinema tonight with a friend.

ohdearhowdidthathappen

The freedom of youth, how lovely... do you think he'll emigrate there eventually?
I tried to convince OH to emigrate a few years back, I'm a radiographer, so very easy to get work over there. He was having none of it, but I do wonder if we missed a trick. The lifestyle out there looks amazing.....

savingholmes

He is thinking of emigrating there or somewhere similar. He loves the sun and the ocean. Although the cost of living is high in UK £, they get paid more so it balances out. Their economy is also still doing well whereas ours / Europe seems a bit depressed in comparison.

When we were decluttering over the summer I pulled together a big bag of stuff for my nephews. Need to go through it and wrap some up to take. Still not keen on going to see wider family - but want to have been. I've done a food shop to come late this evening - which need to last until a week on Tuesday - not convinced it will though. Last month I got paid CB on the 2/9 and then back pay around 26/9 - so not sure when it's due again.

OH wants to get the wheels on his car re-aligned when I get paid. He thinks we should cancel the life and critical illness cover (£41K) and put that £44.71 towards the mortgage each month. Now I know the mortgage is fully covered by the other one - I am happier with that - just can't seem to quite make myself do it. We also either have to do it in writing or both speak on the phone to cancel it together.

girlatplay

savingholmes wrote: »

Well my favourite pair of black boots is coming apart from the sole and is worn through underneath - so I went and looked at £v@ns and they had a 24% offer if bought before midnight. They then had a 20% off offer that I applied on top by signing up for their newsletter. So I ordered 2 pairs for less than £59 which would otherwise have been £96. Hoping at least one of them fits me - but if both do will keep them. It's getting harder and harder to get wide fit footwear - especially if you need extra wide like me... I've had mixed results on quality from them so hoping for the best. Some of it is coming out of my spends for this month (had £46 left) - but £12 will need to come out of next payday's spends... so a bit naughty to buy now - but wanted to get the offer while I could. I am down to sandals, one pair of coloured boots and some trainers currently so not good! I'm due to be in budget until I have to pay my car insurance - and then I will probably dip into overdraft for upto 3 days... should be for free.

I think you are justified in buying the boots, even though you've had to take £12 from next month. They'll last ages, it's not as if it was a want and you've saved over £35 by getting them now. Sometimes I have to dip into the next month's budget and I feel guilty but it's usually for food (that damn grocery budget) so I justify that and try to pull tighter the next month.

MovingForwards

You need nice boots and it's about time you put yourself first!

Is DS deferring a year to go back to Aus? Can't blame him for wanting to explore and I do understand why it can be frustrating with not being able to make spur of the moment purchases. But your time will come.

savingholmes

Thanks GAP - yeah I agree they should last at least a year... so worth it. Don't know how to do multi-quotes so just doing it this way....

We were glad today of the new car (06 plate) we got last weekend - two of the seat belts in the rear of my (66) plate car are jammed and wouldn't work. The car is still under warranty though so either DH will fix it or I will get the garage to. DS had come home by train to travel up with us to family (saving himself £20). We had to go in OH's car instead of mine which is a shame as the mpg was much worse like by 40-50%. It did make it more relaxing for me though - because OH drove there and back bless him. DH ended up refilling the fuel tank - which is a shame so close and yet so far form payday. Fortunately, I found that one of my accounts had £43 more in it than I thought so have now moved that to help compensate. I could still come in under budget - depending on what my car insurance costs (3 days before payday). So tempted last night to hunt for plastic but resisted as it is a slippery slope.

I did end up spending about £15 extra at H&B this morning for 2 nephews pressies on top of what I already had in. They adored the pinata (H&B) and were really enjoying whacking it - the sweets were really hard to get out though lol! My dad and others had never seen one before. Made for great photos.

MovingForwards wrote: »

You need nice boots and it's about time you put yourself first! Is DS deferring a year to go back to Aus? Can't blame him for wanting to explore and I do understand why it can be frustrating with not being able to make spur of the moment purchases. But your time will come.

Agreed on the boots. He isn't deferring a year - he is just stealing away early at the end of term (3-4 days) and going back slightly late to the next term (a few days). Its literally saving over £500 doing that on the air fares so understandable. I think he always under-estimates the extra cost of being there longer though...

DS is staying overnight unexpectedly - he booked a ticket back tomorrow night by accident.... :wall: He also dropped his phone on the way home. :doh: What more can I say... ?

savingholmes

Last night was a little frustrating. Our food order never came. The good MSE news is though - that I got a £5 voucher last night for the delay and another today for them never coming. My order has been redone for tomorrow night - and I've applied both vouchers to it. I will nip out for food today though as I was relying on the order - but still good to have £10 of free food. Last night I had porridge after we got back at about 10.45pm having waited in vain for the wedges I fancied on the delivery and no-one else bothered LOL. It should now last until payday too with coming a little later.

We've decided to go ahead with a packaged bank account - so applied for that on our journey and have been accepted. It includes breakdown cover which we may need now with OH's car and mine runs out end of Oct. Plus travel and mobiles. Need to make sure we register the mobiles asap. Scarily they immediately offered me a CC for over £13K which I turned down. That's how we got in our current mess. In the past I would have probably just said wow and taken it particularly if it offered any 0% spending or balance transfers.

ohdearhowdidthathappen

How annoying your shopping didn't come, good news on vouchers though.

It is scary how much credit is accessible. OH and I recently added up the available credit limits on our open accounts, between us it was £68K :eek: we've closed a couple of them now, but could still access £50k if we wanted to!