A lightbulb?-Now MM's 5 in 4 challenge!

helkingst

mhe wrote: »

Sounds like you could do with a bit of help and support helkingst. Could you start a thread with your SOA so we could offer you some ideas as well - there are people on here who have some great ideas and have been where we all are in the past.:idea:

We are just waiting on the outcome of an IVA. If that doesnt come off then i will need all the help i can get and will then post SOA. Should know this week if it is successful. Thanks.

Mappygirl

I have a midlands husband to and he's so similiar to yours MM! Things are very tight here and as much as i try to talk to DH he never seems to understand. We've just had 2 bigs bills come in this month and we decided to give up smoking to pay for them. I've quit but he hasn't and he's been buying things on ebay again! So I'm not smoking and not buying anything for me to pay for his car:mad:

Basically all our incomings are taken up with bills/food shopping/petrol to pay any extra on the debts it has to come out our shopping money or our pocket money, he realised this after he told me he was going on a stag do March and I asked how on earth he was going to pay for it Then he was going on and on and on about us being bankrupt - i can't win!!!!!!

Thought that might have been a lightbulb for him but he hasn't changed really - although he put 2 DVD's on ebay:j

Anyway - sorry for a bit of a long post! But it's nice to know it's not just me in this situation - don't feel so alone now

I have a £800 cc i'd love to clear for May, is it ok to join in?

mhe

helkingst wrote: »

We are just waiting on the outcome of an IVA. If that doesnt come off then i will need all the help i can get and will then post SOA. Should know this week if it is successful. Thanks.

HAs this helped her to reach her LBM yet?

minimacka

MidlandsMum wrote: »

Am trying to think of some ideas for a cheap day out with the lads (they are 11 and 8) for Sunday when OH is away.

Having just read all the posts this one made me want to reply, I have two boys 11 and 14 and I have been collecting Tescos points and converting them into vouchers to spend. Just a thought but if your spending £100 ish a week on food I wondered if it was at tescos then you could maybe look at converting your vouchers into days out tokens. If you have a look on the tescos deals webpage then it tells you where you can go with them ,every £2.50 is worth £10 in deals so its quite a good way to have a free day out. I have been saving mine and have got £85 in vouchers which is worth £340 in deals. Me and my kids will be having lots of nice days out this summer.

MidlandsMum

Mappygirl wrote: »

Anyway - sorry for a bit of a long post! But it's nice to know it's not just me in this situation - don't feel so alone now

I have a £800 cc i'd love to clear for May, is it ok to join in?

By all means join in! It's great that others want to

Thanks so much for the messages of support. I really am going to get this cracked now, so I can reap the rewards in months to come.

For anyone else in the same situation as me, you have to take control. If (s)he is throwing strops, throw one yourself! Be over their shoulder asking "can you afford it?" Make the OH justify every penny and make them feel guilty for spending! That's how I've done it. Sit them down and then tell him or her the numbers and how you are going to put it right. I even told me OH he didnt have to do anything but lay off the spending for "just a few months" and trust me to do everything else. I have also found coming clean to my family has helped. Now I know my sisters and Nan and Mum are my support network, when I am feeling proud I can go to them, when I am feeling miserable they are willing to lend an ear.

Thanks again for all your lovely messages. Time to go to Mum's for tea. (getting someone else to pay for dinner, that's *real* money saving!)

taxi73

Just come across your thread MM and what a time of it you have with your OH he maybe will come around totally by the time you show him what you have achieved by May...you are doing really well in difficult circumstances.I hope you manage to get something from your meeting next week.

Keeping_Positive

You're are doing so well considering how you felt at the start. Keep going.

My OH still winds me up but hes not too bad. A long story but in brief I think hes mucked up his incapacity claim which will really mess things up. Ever heard " if you want something done do it yourself"!! This was one thing I couldnt do for him MEN. (sorry helkingst)

MidlandsMum

Had to tell the OH off last night as he had re-activated his ebay account and bought another bleeding golf top!! To his credit, he did look suitably ashamed and he knows it's coming out of his pocket money. Something has changed in my head, it's so odd. Where I used to lie awake at night when my back was playing up adding up figures in my head and despairing I now snowball in my head, calculating how much will be free to put toward another debt when this one is paid and then the next one and the next one and the next one and I am feeling great about it. Told my Dad last night too, and he admitted him and Mum had been up to their eyeballs in it at one point, having secured loans on the house and that. Turns out they still have a mortgage too, which I was surprised about, but it is for a pound! Mum said they have left it there for a safety net so they can free up cash from the house in an emergency.

I asked OH last night what we were going to do with the 500 a month we will be better off by when I've finished paying it all off and he said "nice holidays!" which was exactly what I wanted to hear. So we've decided it will go on, firstly, a really nice holiday, I will get my eyes laser treated so no more lenses, and then we will do the house up. By the time we've done all that we will know what the housing market is doing and then there will be nothing stopping us selling up and moving to a bigger place, we only have 16 years on the mortgage as it is.


I'm itching to get started! Roll on payday!

Mappygirl

That's so cool MM! This keeps me very motivated!

Hopefully we should have £400 to pay off Sainsburys cc, this money has come from us both working xmas and new year and the money i've been saving on shopping budget. I'm really excited because £400 is half the balance on the cc, I've got some overtime money and expenses due in Feb which should total to £250 so if i can find £150 that's that card paid off!! I'm going to do it, will feel so proud of myself if i can!!

MM it sounds like midlands dad is coming round to MSE way of life if he's starting to feel guilty about spending money!

Verbatim

You're firing on all cylinders MM.


GO GIRL!