Third Time’s The Charm

enthusiasticsaver

I did think it strange HSBC were not taking the DD and it makes no difference to your DFD. I had a quick look at your 100 steps journey and yes some visual recording of the debt coming down can be very motivating. Some do as you intend to and do percentage of the debt repaid. (Presumably just the Capital and not the interest?) . Some target the debts in a particular order and strike them off as they are repaid. Personally I would do the percentage repaid as it gives a fuller picture. Will you put it in your signature? 

Moneywhizz

Just imagine how you would feel if you had gone ahead and used the money for the other payment. You are making great progress in your money management skills and being very careful not to put yourself into difficult situations again. Similarly explaining to your daughter that you can only afford one present this year, it shows that you really have a handle on this. Maybe your husband will step up and treat your daughter to something additional. Hopefully more balance transfers will come your way in the future that will help to speed your journey up. 

Narola1976

Morning and thanks for reading and commenting. Always appreciated. Yes indeed Moneywhizz, I would have been so upset if I had used the money. As it happens the DD did go out today.  Quite a few DD’s today so YNAB has been updated as has the snowball app. Just need to wait for the interest to be applied to all accounts, add these to the snowball and then I can evaluate debt percentage paid off. I shall certainly add it to my signature. I always found the signature fiddly on the old forum so hopefully it will be easier to use since the update. 

Pleased to report I received the cheque from the solicitors yesterday and deposited into the bank via the app. However, its not showing as pending although it said successfully deposited but just in case, I shall ring the bank to check it is winging its way through the system. I know cheques take a few days to clear but I am still new to electronic cheque deposits so will make sure all is well. 

I paid an extra £1 on 3 CC’s but its more trouble than it is worth. Kept getting error messages on MBNA but I can see the money is pending leaving my account so clearly it did go through. I think what I will do instead is arrange a set payment and just leave it at that. It will have a dual benefit of a) knowing exactly what the payment will be each month and b) it will help to bring the balance down faster. 

I have decided to move more of my category monies to Starling to take advantage of the monthly interest they pay. So for example, the Road Tax category, Internet security (annual fee), YNAB, Car Maintenance etc.  It makes no sense to just leave it in my HSBC account where there is no interest payable. Even if I get an extra 5p it’s better than nothing. Every little helps as they say. I really like I can set up the savings pots and can monitor each one, and add money to them as needed. 

I have also completed a few surveys on PA so balance is now £14.40. I usually try to cash out at £20. But on this occasion will do so at the end of June, regardless of balance as I will add this money to the birthday fund. 

Lately I have been feeling very tired, with no energy and just put it down to my weight, and diabetes. But had a GP consultation and agreed we need to do some blood tests. Being a lady of a certain age, we are querying early menopause, but possible also anemia or thyroid issues. Or it could be a combination of things. Anyway I am off to the GP later this morning. I hope they don’t struggle to get a vein as they always struggle. Last time they had to use the smallest needle, ones they use for kids as my veins just would not cooperate. I also end up feeling like a pin cushion as they have to try a few times. 

DD has become super immersed in all the Black Lives Matters issues and keeps talking about wanting to join the peaceful protests but recognises that would be unwise due to CV-19. I really do not want her to do this, not because I do not support the cause, but because I do not want her to get caught up in anything where she could get hurt. I just hope that the protests here and abroad bring about some change so that things can settle down. I think there are many ways to protest and add your voice to things. But I also understand that for her as a person of colour, she is beginning to have a sense of what discrimination truly looks like and can’t help but feel a sense of solidarity. Humans have a great capacity for love and compassion but also for hate and destruction.  We truly are our own worst enemy.

Jobs for today apart from work is to do an inventory, meal plan for the week, and create the shopping list. I have a few bits for some meals so hopefully won’t need too much. I want to bake a loaf of bread, not done before but I have the ingredients so will give it a bash. 

Well off for a spot of breakfast. Have a good day

Narola1976

Morning, just a quick update before heading out to the shops.  Pleased to report the £250 cheque has cleared. I budgeted the money and updated all my categories. A small payment to debt. A part of me wanted to make a big payment to the debt but I know its more important to ensure that I top up my categories to ensure I do not make further debt. 

Today will not be a NSD a I need to do a food shop. I don’t have a big budget but think I will be able to keep within. Well I WILL keep within it as I have no intention of raiding other categories to cover the overspend. 

Well off for a quick breakfast before the shops.

enthusiasticsaver

Good luck keeping within budget. Maybe give the smoked salmon a miss this week 
Does your husband at least contribute to grocery spend? 

Narola1976

enthusiasticsaver said:

Good luck keeping within budget. Maybe give the smoked salmon a miss this week 
Does your husband at least contribute to grocery spend? 

I am pleased to report there was no purchase of smoked salmon this week. However, I did go over budget by £2.59. While not perfect, in days gone by I would go overboard by £50 or £60 so I am going to call this a small win. To answer your question, no my husband does not contribute to the grocery spend. On occasion he has given some money, £30 to £40 but these are few and far between. So when its offered, I take it, but I will never ask.

I popped into B&Q for bath sealant supplies. We have a leak and its been there for some time. I am tired of putting towels around the bath to stop the water from the shower running down. I have never replaced sealant before and am worried about doing it right. So that was £25 for the sealant, sealant removing tool and smoother and tape. Fortunately this came out of the household category which had £30 in it. It is good to know when you are spending where the money is coming from. I don’t have to feel fearful that I will leave myself short. It’s all budgeted for which is great.  I shall be watching loads of U tube videos to teach me. They say anyone can do it. I hope they really mean that. I will start with the bathroom sink for a bit of practice before moving onto the main event. DD and I will be doing this together sometime next week. 

I loaded all my receipts to Zipzero etc so at least my spending will help to make some money. It’s just a slow process. I still have £5 pending to come off my council tax bill.

Feeling very tired again today. I don’t know why.  I had about 9 hours sleep last night. I can’t find the energy to do something productive in the house. There is loads to do but I just can’t summon the energy to do it. I managed to put some chicken into the oven for supper. But that is it. I took the butter out to soften for the biscuits but we shall see how far I get to. The house is quiet, DD and OH out working so I shall make the most of the silence by having a little lie down. I also need to call my mother,  she wanted to ring earlier and I just couldn’t face a conversation, with her or anyone. But I shall need to make that call otherwise I will not hear the end of it. Bye for now

Narola1976

I just have to tell someone. I am so upset with my OH. He brought up getting a new car again. I tried to explain that I am not prepared to go back into a £15k debt. I would have to start over again with another 5 year finance loan, and no car for deposit as I still owe £6k and I just can’t face it. This then led to him saying how he had previously suggested remortgaging the house to pay for my debt. I tried to explain how ridiculous an idea that was, turning insecure debt to secure debt (having learned this here) but I don’t think he understands. Plus does he not get that we are potentially 5 years from being mortgage free - he just does not get it. This all just irritated me and of course inevitably it went to me pointing out how if he paid his half of the bills I would have bloody money to put to my credit cards and how he has no right to question me when he pays for nothing. Of course by this point I was balling my eyes out and he “hates tears” so walked away. He kept saying he doesn’t want to argue, he is one of those that does not engage especially iifI become emotional, he just walks away under the guise of not fighting. So now I am in the position where I just need to replace the tyres myself. I will take it to a local garage and just ask them to check. I suspect all 4 will need replacing. I will also need to get breakdown cover when my insurance renews next month as now the warranty is up, it important to have this in place. It’s so frustrating because nothing ever gets resolved. I need to pull myself together as I need to fetch DD soon.

Moneywhizz

Oh dear, that sounds like a stressful time. It must be so difficult for you living under these circumstances and everything you say is so right. If he would only see how unreasonable it is for you to pay for everything, even his food! To be honest it is hard to believe that he is doing that. And if you are paying all the mortgage but the house is in joint names, I honestly don't know how you keep on living like this. You are obviously very frustrated by the situation and the fact that he won't discuss it with you. Anyway well done for standing your ground regarding taking on a new car loan. That is something else that is hard to understand -  why he think he can have any say in what you do financially. It is hard to deal with these tings emotionally but maybe just taking that stand will make things easier in the future. I hope he thinks about what you have said and makes some effort to contribute. You are stronger than you think. 

Baileys_Babe

@Narola1976 would it be worth writing down all the facts and figures, nothing emotional and either just giving it to your husband or waiting for him to start talking about replacing the car and then you can say no and here are the reasons and give him the piece of paper?

Not that I personally feel you need to justify your financial decisions to your husband.

Surely when you show him that in 5 years time you won't have a mortgage it is worth him being patient or even better start contributing. 

evebeme

Here's another idea.  Tell him he can have a new car but you won't have any part of it.  You won't use your car as a down payment, nor will you pay any portion of his.  Personally, having read your diary (and read between the lines) I think he's just a moocher.