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The most boring diary in the world...

124

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  • foxgloves
    foxgloves Posts: 12,609 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I don't really see how you could take on an additional job. I think that as the lack of funds is a big worry, it's probably time to cut out all unessential spending, apart from the occasional treat. It is infuriating how this is all dragging on. You have no control over most of it. It's out of your hands. The only thing you can control is what you are spending yourself. You know all the common sense things like just how much the small amounts add up, so even small savings will help stop the debt getting quite so big until you get things sorted. I know all the waiting would be driving me mad, so you do have my sympathies. It seems a very unfair system.
    F x
    2025's challenges: 1) To fill our 10 Savings Pots to their healthiest level ever
    2) To read 100 books (36/100) 3) The Shrinking of Foxgloves 6.8kg/30kg

    "Life can only be understood backwards but it must be lived forwards" (Soren Kirkegaard 1813-55)
  • Legal costs are an eye-opener. I pay £200 a month towards mine, which at the moment are mounting up in credit ( can't get too excited though because a couple of hours of work will wipe it all out again). I did think that last time I had a statement from the solicitors, I could have a decent EF if that money was going aside into savings account.

    I think a huge well done for managing any tutoring on top of full time teaching. I can't manage a full week and juggle everything else!
    paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
    2025 savings challenge £0/£2000
    EF £140. Savings 2 £30.00. 17
  • A stress-free option that some MSE'ers do is surveys? You can do that whilst you relax at home and although it's not a lot of cash, it's something.
  • f0xh0les
    f0xh0les Posts: 7,625 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    Hey you.

    Do you get child tax credit and if so, is it paid weekly? Knowing I have that coming in on a Friday stops me from panicking sometimes, ok it is £20, but there has been a time when I have had to feed us all on that amount.

    Lay out your SOA
    Have a cry, make a cup of tea and tell us all about it, and let the Auntie Foxes et al see what we can advise.
    - and we could probably sort out a meal plan if your cupboards are heaving and you want a sub£20 shopping list for the rest of the month.

    Oh yeah, and smile. It makes folk nervous
    .:rotfl:.
    4/10/22One Year Mortgage Free Yay!
    NSTurtle # 55 🐢 🐢 🐢 🐢 🐢 🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 No Turtle gets left behind.[/b]
    ******PROUD MEMBER OF THE TOFU EATING COALITION OF CHAOS !!!******
  • How I have survived so far this month is beyond me... I am just about at a big fat zero with my bank balance and there's still a week until payday. Good job that the cupboards are reasonably full, and I have already prewarned the children that we are going to have a very quiet half term indeed.
    It has been very busy at work, juggling the job, the family, the finances etc, and then yesterday I was busy with my solicitor still trying to sort out the ongoing divorce issues. Unfortunately there's still a lot of expense to come but on the plus side, I've been granted a court order to get my ex's address so that he can finally be served with the papers that I've been desperately trying to get to him for months - and the judge has also awarded costs to me as well. Not that I'll ever see any of it but I'm pleased that the legal system is finally starting to recognise that my ex is being deliberately evasive when it comes to sorting out the separation. It has cost me literally thousands to date, and it can't go on for ever...
    Ninja Saving Turtle
  • beanielou
    beanielou Posts: 95,667 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Awesome news on the court order :)
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • I'm really pleased, but also really hoping that he hasn't figured out how to find me on this diary so that he's not reading this and doesn't know.
    Ninja Saving Turtle
  • f0xh0les
    f0xh0les Posts: 7,625 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    Does it matter if he does? really? Will you serve the papers or have you got someone else to do it?


    Enjoy half term, if you have heaving cupboards, then get one kid to make something each day - be it scones, or flapjacks, salad or somthing out of a packet, or toad in't 'ole. Life skills half term!!! Let them choose the menu.

    You could also get dd to give you a makeover, have a home made face pack, condition your hair and bond.

    Watch films, pop popcorn (or whatever you have) - I cannot believe one of the freeview channels has started showing Xmas films already - and with your newly discovered perfect technique, see what you could make as el cheapo gifts for people.

    I was so jealous of all the people who jetted off to Spain at half term. I tell you now, when I am finished saving for this poxy extension (which will be marvellous, beautiful and magnificent) I am taking my kids on a fabulous holiday, where they will no doubt shoulder-barge each other, and sit on each other's heads, and bicker incessantly about how bored they are and that the wi-fi is brexit.


    It is progress, congratulations
    4/10/22One Year Mortgage Free Yay!
    NSTurtle # 55 🐢 🐢 🐢 🐢 🐢 🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 No Turtle gets left behind.[/b]
    ******PROUD MEMBER OF THE TOFU EATING COALITION OF CHAOS !!!******
  • Great news that you can now get the information you need to serve the papers. Steps in the right direction.
    paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
    2025 savings challenge £0/£2000
    EF £140. Savings 2 £30.00. 17
  • Overdue progress.

    Keep on keeping on.
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