Crunchy's Final Debt Free Diary!

remote_control

It's so hard when you're not on the same page. Is there a way his work could manage his expenses better? E.g. mine give me £300 up front. If this was then paid into a bank account with no overdraft it would mean I would not be able to go over the £300 and I know it is work money.

Willowtree222

It's a difficult one to manage. I am sorry that he doesn't seem to grasp how important this is to you and to sorting stuff out.

Think of your health as well with working full time. x

crunch_time

We do have money for personal spends - £100 for spending and £100 for clothes a month. We cant take them back as he bought them in London and we dont live in London.

Its hard as we do seem to be on the same page for most things. I wouldnt have minded if he had used his personal spends money and saved up for them. Im cross because he used his card on impulse after telling me last week for buying soemthing he doesnt really need (not to that value anyway) to not worry about not getting a job so quickly. He likes good quality stuff. hes ben researching into doing our bathrooms and the cost just gets higher and higher. the trouble in the past was that I wanted him to be happy so I would go along with it. Im going to put my foot down now.

Anyway, last night we had a chat about money. We have decided to live off his money for the time being and use mine to pay off debt. The overdraft is going on a reducer of £100 a month and we will focus on the HSBC credit card for now and get that done. Its now up to over £5k but there is £775 of holiday costs on there and a new £500 vacuum cleaner.

We can't really start properly until December paydays but we are being mindful about our spending now and pacing ourselves.

I've got to remember that I am not perfect either and we need to work together to shift this debt again.

And it starts today. NSD today! Got a friend coming round for lunch so just need to clean the house and do a few jobs amongst work work work and trying to spend some time with my kids. Juggle juggle.

I will update my signature once husbands credit card has settled down and I have confiscated it.

Onwards and upwards.

Crunchy x

Seasidegal58

Oh dear! Condolences re your OH! You've been here before with him haven't you? Hope you managed to get through to him this time so he finally has a permanent light bulb moment.
x

ohdearhowdidthathappen

£200 on shoes, I'd be mad too. My OH can be a bit like this, he'll be really good for a while and then decides he deserves something and we can afford it because we earn well.... I point out to him that the quicker we're debt free, the more money we'll have long term, but it doesn't always work!
You're doing really well with your payments and you'll get there.... it's an endless juggle, isn't it?

crunch_time

Seasidegal58 wrote: »

Oh dear! Condolences re your OH! You've been here before with him haven't you? Hope you managed to get through to him this time so he finally has a permanent light bulb moment.
x

This is a constant with him. He has actually surrendered his credit card now ha ha!

crunch_time

ohshithowdidthathappen wrote: »

£200 on shoes, I'd be mad too. My OH can be a bit like this, he'll be really good for a while and then decides he deserves something and we can afford it because we earn well.... I point out to him that the quicker we're debt free, the more money we'll have long term, but it doesn't always work!
You're doing really well with your payments and you'll get there.... it's an endless juggle, isn't it?

This is my husband to the letter. I think he has in his head 'well i earn £75k a year and this is what people who earn this amount of money spend it on.' He is also good for a while then I think he gets bored and needs something to think about.

crunch_time

Morning all!

Pay day today for the husband!

After worrying that his credit card was over £5k and waiting for it to settle down before amending my signature, I was pleased to see that it was 'only' £4748 when i logged onto his banking this morning. I have made £350 of planned payments to it bringing it down to £4398. The plan is to have it all paid off by Easter so 4 pay days to go.

Ive budgeted £350 for food for the next three weeks until Christmas week. We are then away and not sure what we are doing yet about food so i have squirred the £250 extra away for the time being until we get there - this is the buffer.

I have also put £500 into the joint monzo account for Christmas presents - at least then the husband can see what is being spent.

I cant believe there are only 3 weeks between now and Christmas week! SO much to do.

In other news, I have been in a mess trying to decided what to do about work next. My contract comes to an end in Feb. I wondered about giving up teaching again and finding something else as I am so stressed but i think it's home stress rather than actual work stress and pressure I put on myself. Going to spend some time thinking about this and what I can do. I have applied for two full-time roles as we need the money and it can't be any more work than I feel I am doing now. Shall see what happens.

Anyway, really need to walk the poor dog. It feels good to have a target again.

Crunch x

reality_check

I can also see where your husband is coming from if he works all those long days and hours and can't buy himself a few things, you both made mistakes in the past and you are enjoying seeing the debt come down as fast as possible but maybe he would rather take the scenic route and have treats along the way...either way isn't ideal if you are both singing from different hymn sheets! I also don't think £200 is that bad for a good pair of shoes especially if these are work shoes, totally different if it's a pair of trainers....good luck with it all, it's not easy!

crunch_time

reality_check wrote: »

I can also see where your husband is coming from if he works all those long days and hours and can't buy himself a few things, you both made mistakes in the past and you are enjoying seeing the debt come down as fast as possible but maybe he would rather take the scenic route and have treats along the way...either way isn't ideal if you are both singing from different hymn sheets! I also don't think £200 is that bad for a good pair of shoes especially if these are work shoes, totally different if it's a pair of trainers....good luck with it all, it's not easy!

I can too and the shoes are nice and will last a long time. We both have made mistakes and also have only recently started to talk about money with him shutting down and me either being a dictator or crying.