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A Year in the Life of...

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  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Oh, and I only have £123.79 in the holding account.  The other £10 is in the drawer.  The total balance I've found so far in February is £133.79 (typing this all out to remind myself).
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
  • I found that turning my iPad sideways so read it portrait seems to show the date and time, not sure if it would work the same on a phone. How old is your daughter, will you still get CMS if she is no longer at college? I know child benefit usually stops if the aren’t in education. 
    *Dad loan - £5300 - £7300
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£400

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £860
    *Total debt - £8560/£11641.17*


    Savings
    *Savings Buffer - £1000/£1500
    *Emergency Fund - £1000/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I found that turning my iPad sideways so read it portrait seems to show the date and time, not sure if it would work the same on a phone. How old is your daughter, will you still get CMS if she is no longer at college? I know child benefit usually stops if the aren’t in education. 
    I tried the sideways thing because @astrocytic_kitten mentioned it but it's not working on my phone.

    She's 19.  Child benefit and tax credits stopped when she went into higher education (as opposed to further education.  Or maybe it was the other way round, can't remember now) but because it was still education I still got CMS payments (I called them to check).  Now she's stopped education altogether I need to contact them to tell them.  It is on my to do list and I will do it.
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
  • I found that turning my iPad sideways so read it portrait seems to show the date and time, not sure if it would work the same on a phone. How old is your daughter, will you still get CMS if she is no longer at college? I know child benefit usually stops if the aren’t in education. 
    I tried the sideways thing because @astrocytic_kitten mentioned it but it's not working on my phone.

    She's 19.  Child benefit and tax credits stopped when she went into higher education (as opposed to further education.  Or maybe it was the other way round, can't remember now) but because it was still education I still got CMS payments (I called them to check).  Now she's stopped education altogether I need to contact them to tell them.  It is on my to do list and I will do it.
    Ahhh ok fair enough. Has she decided what she is going to do instead?
    *Dad loan - £5300 - £7300
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£400

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £860
    *Total debt - £8560/£11641.17*


    Savings
    *Savings Buffer - £1000/£1500
    *Emergency Fund - £1000/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper

    Ahhh ok fair enough. Has she decided what she is going to do instead?
    No.  She's going to take 6 months to a year out to have a think about it and then hopefully she will have a better idea.  As far as I'm concerned, as long as she's working then that's ok.  Of course I want better for her but equally mental health is important and if that means working in a restaurant forever more then so be it.

    I need to remember to call CMS though!
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
  • I’m totally failing at multi quoting on the new forum (and I was doing so well!) - but I can’t see dates etc on my phone either. Seem to need iPad in landscape mode to get the best results (or desktop, but my laptop practically runs on steam so isn’t often switched on). I used to be able to request desktop version of a browser on my phone but can’t figure out how to do that either 😂

    Also, I temped for a year or so after leaving education and it was the best thing I could have done to find my way. My parents took the same view as you - as long as I was working that was ok - and I did so much better with that sort of support than many of my friends did with parents who put a lot of pressure (intentional or otherwise) on them to get a ‘proper job’.
    Debt at LBM (Dec 2018): £23,167
    Debt free Feb 2021
  • savingholmes
    savingholmes Posts: 28,953 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I use a laptop. I miss it saying the time you posted not just the date. I also miss everyone's pictures. You can add them back in on your profile. I agree there's no point pushing LMG - she will find her own way.  
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £3K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.6K updated 6/7/25

  • Ahhh ok fair enough. Has she decided what she is going to do instead?
    No.  She's going to take 6 months to a year out to have a think about it and then hopefully she will have a better idea.  As far as I'm concerned, as long as she's working then that's ok.  Of course I want better for her but equally mental health is important and if that means working in a restaurant forever more then so be it.

    I need to remember to call CMS though!
    That’s ok then as long as she’s doing something with her time that’s what matters really. its all good experience to have on her cv later on
    *Dad loan - £5300 - £7300
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£400

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £860
    *Total debt - £8560/£11641.17*


    Savings
    *Savings Buffer - £1000/£1500
    *Emergency Fund - £1000/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I’m totally failing at multi quoting on the new forum (and I was doing so well!) - but I can’t see dates etc on my phone either. Seem to need iPad in landscape mode to get the best results (or desktop, but my laptop practically runs on steam so isn’t often switched on). I used to be able to request desktop version of a browser on my phone but can’t figure out how to do that either 😂

    Also, I temped for a year or so after leaving education and it was the best thing I could have done to find my way. My parents took the same view as you - as long as I was working that was ok - and I did so much better with that sort of support than many of my friends did with parents who put a lot of pressure (intentional or otherwise) on them to get a ‘proper job’.

    I'm failing at multi quoting too.  I'm on the laptop right now (which runs on coal so I know where you are coming from - wanted to put a wink in here but failing at smileys on laptop, it seems) but the layout is terrible, the messages are overlapping signatures.  I Have charged up LMG's iPad so going to try that next.


    I have suggested temping to her but because she doesn't know what she wants to do (apart from definitely not work in an office which, apart from a hospitality stint in my late teens-early twenties, is all I know) she's not sure where to go at the moment.  I was extremely strict with her when she was a child (single parent, there was no good cop bad cop, just bad cop all the time - me) but now I feel, like you say, I should just be there for her whilst she makes her own way in the world.  I made a mess of being an adult for the first few years of adulthood but I found my own way eventually.  My folks are fabulous but they are very old school and my path was not quite what they wanted for their daughter, whereas I am more relaxed about things.  Maybe that's not the best way to be but I just want her to be happy.

    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I use a laptop. I miss it saying the time you posted not just the date. I also miss everyone's pictures. You can add them back in on your profile. I agree there's no point pushing LMG - she will find her own way.  

    On the laptop it seems to be telling me the time posted on the day of posting but just dates on previous posts.  The overlap on signatures is very annoying though.  I can't see the signatures when I'm on my phone though so not sure which is worse.  The iPad might be better.


    Yes, I have to just be here for her.  She hasn't had any official MH diagnoses but I worry about her sometimes.  Now that she has left college she seems to be happier and more upbeat so I definitely think that's a good thing for now.

    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
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