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

Lemon_Tree

hi
it's ages since i've posted and caught up with what's going on in your life. Glad you've finished the loan the money will make a real difference. I'm glad your OH is coming around to the right way of doing things but still sounds like he has a long way to go.
My Oh has now moved in and we're married, he's working so we can start working on a combined budget, won't be much different to mine alone as he's on minimum wage which is terrible.

MidlandsMum

Keeping_Positive wrote: »

Tough one

If its new and saves on running cost such as mot and repairs then may well work out cheaper and have a resale value so I can see the value in that and there is always a risk with old bangers having hidden problems - as I have found!. Main thing can you easily afford the £90 a month?

Well, the loan was £170 a month, so I will still be better off. Have talked it over with my workmates and it seems like a good idea in the long run, no worrying if it's going to break down on me. It will only really be used for shopping and work so I will be doing less than 6000 miles a year.

Yeah, I think I will go for a quick test drive tomorrow.

MidlandsMum

Woo! Has it been so long?

Hello again everyone.

I did get the new car, thanks to bank of Mum and Dad, who lent me £4800, then promptly dropped what I owed them by a grand and told me they dont want any money back until after christmas and then only what I can afford, so, if it's a fiver a week, it's a fiver a week. Which probably will be. OH has been put on short time. First off he had to owe back hours but now he's used all of those up because the place he works has been closed since last Friday for Xmas. He goes back to work on the 7th Jan. 26 days off work. My place is dead, but it usually is this time of year, but with the exchange rate against the euro how it is I am doubtful we will get the bumper January of old. As of when OH goes back he will be laid off one day a week. He's been told by his employers that he will lose £220 pm before tax so *WE* have decided that, with no personal loans and only CC debt that the first thing *WE* will do is tell the CC companies to go and make love to themselves until we can afford to pay them. Like OH said a few weeks ago, what can they do? Nothing. We dont want or need for anymore credit so they can poke it. And if they start getting ars*y and sending the debt to DCAs then I will play a nice game of requesting CCAs.

Christmas. Well, until this week I had not spent a penny on CCs. All of the pressies have been paid for with a debit card as I started shopping in October. For this reason I am feeling smug.

Hope you are all well and have a lovely Christmas. Kiss the kids and tell them you love them.

Dinah93

Hey MM nice to see you back again. Sorry to hear about OH's job, what does he work as? He must be coming up for renewal at that expensive golf club soon? Surely if it comes to the point of decimating your credit record or him giving up his treats he would sell all the gear and drop the £95 per month membership? Tell him it's cheaper to shove a sock down there, he's too young for an old mans game anyway!

Lemon_Tree

hi MM boy have things been happening in your life, please keep us all updated and not not just cos we're nosey parkers. You have made so many good steps at least you know that in the tricky times ahead of you that you had already made a start and cleared as much as you possibly could.
Hope you get some joy this christmas

MidlandsMum

My back went last night and this morning the boiler has had it and I think it's going to have to be replaced. No hot water or heating. I'm doing my nut. I dont have 3k to replace it. My husband may not even have a job soon. This is going to put me back on the tablets, I know it is.

Yeah, yeah, happy bleeding new flaming year.

Lemon_Tree

heavens MM sorry to hear about the past two days just what you don't need. Unfortunately i'm not good at plumbing but i'm not bad at support so i'm sending you hugs and warm thoughts to get you through these trying times

MidlandsMum

Still no heating or hot water. Later on NY day the kettle broke too. We are getting by.

DH has been put on a 3 day week so as of next week I am working full time.

_pale_

I'm trying to keep my sense of humour.

MidlandsMum

I start full time work today. If we get by ok and it's workable I've decided to bite the bullet and make it a permanent arrangement.

MIL called last night as she had heard about the place shutting down and she was panicking. I told her the only thing I was really worried about was the holiday in May that my parents have paid for. It's self catering so I'm a bit pestered about having enough spending money for food and how I had decided to take a caseful of noodles and packet soups and cereal and that to keep costs down while we are there and she did her nut! "You are NOT taking *effing* noodles on holiday with you!" and said she will give us some extra to take with us so we can have a good holiday and not have to worry about it. She is a star. Mind you, I think I'll still take the cereal and that just so there's more to spend on icecream and these amazing stuffed tomatoes that they do it the local taverna!

Still no hot water. I could do with a bath this morning but that means driving to Mums and I need to get the shopping in, so a strip wash over the sink in a freezing cold bathroom it is! Time to put the kettle on!

Lemon_Tree

you poor thing having ho hot water for so long, it did my head in when we had to go to my parents for showers for two weeks whilst we had a new bathroom fitted so you have my sympathies.
Good luck for the full time working, hope it went well.