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Debt, debt and more debt.

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Comments

  • warby68
    warby68 Posts: 3,154 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    You most certainly are.

    Here's to kind neighbours - its about time you were a recipient.

    Here's to all the sales as well

    Hope you get to a point where your ex's activities go preferably unnoticed or at least straight past you. Social media does keep stuff in front of your nose that would be better not.
  • Kitten868
    Kitten868 Posts: 1,785 Forumite
    Sixth Anniversary 1,000 Posts
    Very happy to hear your daughter is OK. Horrible for you having a scare like that! 

    I definitely agree with selling the ring but would there be something that could bring you more joy? Something that would make your life easier or your body more comfortable? 

    You're wonderful. Keep going xxx
    Loan 1 £5200/£8000
    Loan 2 £300/£5800
    Total £5500/£13800
  • Sarahwithlove
    Sarahwithlove Posts: 3,470 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    I agree I think the ring money should go on something for you that you can keep or an experience for you and DD to make memories 
    *Dad loan - £5300 - £7000
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£0.00

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £0
    *Total debt - £7000/£11641.17*


    Savings
    *Sinking Fund - £800/£2500
    *Emergency Fund - £1000/£1000


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • Suffolk_lass
    Suffolk_lass Posts: 10,749 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Maybe if you sell your ring you could do "some and some" keep some back for a treat to mark the line drawn under with your children, so they see it as a positive thing
    Save £12k in 2025 #2 I saved £14,660.97 of £6000 or 244.35% of my target. The 2026 Save £12k in 2026 thread is here
    OS Grocery Challenge in 2025 I finished the year at £2880.99/£3000 or 96.03% of my annual spend so I am sticking with a £3000 annual budget for 2026
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the grow your own in 2026 discussion thread
    My keep within our budget diary is here
  • Primrose
    Primrose Posts: 10,720 Forumite
    Part of the Furniture 10,000 Posts Name Dropper I've been Money Tipped!
    Emma.   This sounds like the old saying of "Beware of what you wish for" but probably explains to many of us why you've tried so hard to go the extra mile with one difficult lady!

    But remember, even some life sentences are allowed to have parol occasionally, so don't punish yourself ALL the time!! 
  • Humdinger1
    Humdinger1 Posts: 2,629 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    edited 3 May 2021 at 8:45PM
    Emma

    Your mother will be saved when the Archbishop of Canterbury is damned, you have so many saintly people praying for her! But what about you?! You count in all this. You haven't been put on earth to be bullied.  Agree with the above, you need to be kind to yourself.  Xx
  • Jox
    Jox Posts: 1,652 Forumite
    Part of the Furniture 1,000 Posts Photogenic
    Time to put yourself first Emma, be kind to yourself. I'm like that, a people pleaser who wants to help and fix things for others, it's to do with what we went through as children, we've got trauma and PTSD to deal with.
    Good idea to tell the kids that's what's for dinner and there isn't anything else.
    Kids can be really unappreciative cos they have so much these days, they don't understand the sacrifices their parent(s) make for them, they'll look back and see how much you did for them. Lucky dog getting the steak :)
    Can you sell the mirror?
    Are there any charity shops who'll take the books? In my area there are bookshelves at some train stations with free books, people leave books there
  • janb5
    janb5 Posts: 2,691 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    How lovely meeting your friend- a boost to the spirits.

  • Queen_of_the_Hive
    Queen_of_the_Hive Posts: 1,272 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    edited 30 May 2024 at 3:07PM
    @[Deleted User], Wow just started reading your diary from the beginning and got to Pg 16 and wow. You are an amazing lady. I will be catching up on the rest of it later. I got to the point you'd moved and could hear church bells and I just got a tear in my eye. 
    2026 financial goals & challenges!

    1). Mortgage (started Jan 2024) £102,057.29 / £122,400.00 Overpayment total: £1233.59 (Inc Sprive yr 1 & 2 o/p £70.93 & £55.34 reg monthly overpayment) Equity 30%

    2). #7 Save 1p a day challenge 2026 £0/£780

    3). £2,411.31/£3000 in Investment ISA (35/50 investments)

    4). Sensible money choices & debt reduction

    5). Lose weight, get fitter and read 12 books in 12 months in 2026.
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