Keeping on the Straight and Narrow...

DancingInTheRain

Payday, woohoo! Swept my wage into the savings account for now. 2 more sleeps until DH gets paid.
Just checked DH's student loan account, both test payments are showing and the balance today is £5918.03. 
My F!rst D!rect account is up and running, DH is still waiting to see if he has been approved for the account or not. I think the fact that he opened the H$BC credit card recently may have concerned them but it's not a no, just need to wait and see what their final decision is.
We're all off school/work next week so have made a couple of plans. It's our wedding anniversary Saturday so the boys are going to Grandma's for a sleepover and DH & I are going out for a meal. We've also booked a night away in a Premier Inn next week, told the boys and they're mega excited (easily pleased ) We've also booked tickets for Lightwater Valley but are keeping this as a surprise. We took them there in October and they absolutely loved it so hoping for the same again next week.

Sarahwithlove

Glad it worked you can get on it now. I don't really earn enough sadly so most of my payments cover the interest and not much else so not sure will ever get round to it being paid off. 

DancingInTheRain

At least it's not a 'bad debt' as such @Sarahwithlove but it would be so much nicer not to have it coming out of your monthly salary wouldn't it? 
You never know what the future holds though, DH genuinely thought he'd be paying it until he retired or it was written off. Changing career a few years ago has made a massive impact on the balance so that's been a big surprise for him when w be reviewed it recently.
Just been doing the payday shuffle on DH's wages, including a £3.70 TT to his student loan - definitely a slow burner paydown on this for the time being 😂
Wishing everyone a happy Friday xx

savingholmes

Glad you have things to look forward to. A night away sounds like bliss. Getting your room done will be a big relief too - glad you can pay cash for it. Congrats on owing less that £50K on the mortgage. That sounds amazing... 

Sarahwithlove

DancingInTheRain said:

At least it's not a 'bad debt' as such @Sarahwithlove but it would be so much nicer not to have it coming out of your monthly salary wouldn't it? 
You never know what the future holds though, DH genuinely thought he'd be paying it until he retired or it was written off. Changing career a few years ago has made a massive impact on the balance so that's been a big surprise for him when w be reviewed it recently.
Just been doing the payday shuffle on DH's wages, including a £3.70 TT to his student loan - definitely a slow burner paydown on this for the time being 😂
Wishing everyone a happy Friday xx

Mines at 20k and I only pay 35 a month from my wages so for now I think I'd rather overpay my mortgage in all honesty. If I change careers and end up paying more than it may be worth while for me to do so but all time I have a mortgage that's priority as interest rate on that is higher than student loan. 

savingholmes

Hope you are ok

DancingInTheRain

Thanks @savingholmes I'm okay just had a full on couple of weeks.

The day after my last post we had another family bereavement which came as a shock to us all, another sharp reminder of how precious life is ❤️

Work is beyond ridiculous, lack of clear direction and planning from management is creating unnecessary stress but previous experience tells me they just won't listen to reason or alternative solutions so just need to get through each day right now.

Still no progress with our living room, as the joiner is still tied up elsewhere. Need to get him to commit to a date or try to find someone else as the loss of a room for so long is really impacting on family life with both DH and I working from home.

Finances feel out of control - we lent money to a family member who has been massively affected by the pandemic (self employed, really impacted by the restrictions and his own health makes him vulnerable) as his car was beyond repair. I believe he will pay us back but we've told him no rush so in our heads we've written that money off and anything we get back will go back to savings.

The day after this our shower decided it no longer wanted to work. Frustratingly this was only 3 weeks after its 3 year warranty expired so that had to be replaced.

The day after that got replaced our boiler decided it was it's turn to give up, the pipes had corroded beyond repair. Thankfully we heard it dripping before it could cause much damage to flooring, etc but a new boiler definitely wasn't on the agenda right now but had to be done.

The air con in my car has also stopped working just in time for the hot weather so that was another expense! Perhaps not as essential as the other 2 but selfishly I'm happy it's fixed!

Short term we've maxed out the 0% card we got last month to help with cashflow while we still have the work on the living room pending. So right now we are not completely debt free, pending the finance review 😭

I'm sure it'll all sort itself out once we sit down and go through finances but it all just feels a bit 'Aaaaaaaarrrrrrrrggggghhh' right now as it's just been one thing after another.

Right, try to end on a positive - DH and I have both had our 2nd Covid vaccinations. Jobs are secure. The boys are happy and healthy. We also had a lovely break at Lightwater Valley even if it does feel like a distant memory now!

Hope everyone else is well x

beanielou

So sorry to read your news.
Take care of you

FootyFanDan

I am so sorry to read of your loss. I think sometimes it really does put things in perspective to try and live in the moment as you just never know what is around the corner. I know totally unrelated but it hit me a little when I seen the footballer just collapse it shows that tomorrow isn't always guaranteed. It certainly sounds like its been a challenging few weeks so I hope things start turning in your favour soon!! Take Care x

savingholmes

Sorry for your loss and the series of house bills. Hope things swing in your favour soon