Learning to walk before I run

edinburgher

Thank goodness the end of the week approaches. I am so down in the dumps that I have been making OPs

South_coast

Good lord 😳!

KajiKita

Hi Edinburgher 😊

I have read the whole of this diary (not sure if you had a previous one) and love your approach to life and finances - I am subscribed 😊

I so hear you on cat costs! We’ve just taken on two kitten rescues and as we can’t let them out yet, both the volume and cost of both food and litter for two cats as to opposed to one is eye watering! I’m off to a local barn type place that kind of does good quality (branded), end of line / short dated stuff as they were always good for litter and food when we had our old cat. But then comes the issue of where to store it all …. 🤷‍♀️😂

KK

LadyWithAPlan

Sorry you had building works whilst you were away .. self catering is fine in moderation I think only - allowing oneself the budget to not have to wash up 3 x a day is a worthwhile luxury /treat when one can squeeze the pounds 

edinburgher

Finally got a response from the SPFO about why my DB pension had gone backwards (since corrected when values were updated at the end of the tax year). It was wrong, didn't address the issue raised and the grammar was a riot. Hey ho, it's not like these people are in charge of safeguarding my future prosperity

KajiKita

edinburgher said:

Finally got a response from the SPFO about why my DB pension had gone backwards (since corrected when values were updated at the end of the tax year). It was wrong, didn't address the issue raised and the grammar was a riot. Hey ho, it's not like these people are in charge of safeguarding my future prosperity

Yikes …. Really encourages confidence …. Not! 😢

KK

savingholmes

I contacted my work pension provider to find out why I had no annual statement - and they said we thought you'd left... Lovely. That was about 8 months ago - so I feel your pain Ed.

edinburgher

While I am sure it won't come as that much of a surprise to the regulars on MFW, I have decided to take some time off work due to MH reasons. I had hoped that "pushing through" would work but it transpires that no amount of money makes up for an unworkable day job. I won't go into specifics for fear of being identified but suffice to say I have had a pretty bad time of things of late and management have not made that easier.

I am dreading the conversations both with management and my GP, it's not an easy thing to say that you appear to be functioning on a day-to-day basis with some things but are totally incapable of managing other things. I also feel bad for the impact that this will have on my colleagues but have decided that I need to put myself and my family first. Eating myself to the size of a house, constantly worrying about work and being interchangably distant or irritable with Mrs E and DDs is not a price that I can continue to pay.  

Taking a few practical steps to reflect a short-term drop in income, such as selling down a small ISA investment, directing a bit more cash into our EF and applying for 6 months IO from our mortgage provider.

Probably long overdue

Debsnewbudget

Take care x

beanielou

You & your wee family must come first. Take care of yourself. Xx