A new chapter, An empty nest, Drama school & Last year of Uni

Spendless

Made it to payday  (yay!) - just. Moved over less than a tenner into savings last night then went to bed -lol. Tomorrow some SO go out that are debt payments (us paying back into savings money we used to pay things off to not attract interest). Hoping to update where we are at once these have been paid. 

Spendless

Since I've woken early, I have had chance to implement an idea I had a few weeks ago. 

Each month I pay £80 back into my savings account. This was money I borrowed from there because when we transferred our CC debt to a 0% deal, we weren't offered the full amount we had as a balance transfer, so this was the 'leftover' bit. It is paid via SO on the 1st of the month. Today's payment has already gone out. That left 3 more monthly payments  to make  totalling £240.

In addition DH noticed/realised before Christmas he had a clothing account with a balance on  that was high interest. Again we took from savings and have been paying it back by SO on the 1st of each month. Today's payment has also already gone out. There was also 3 payments lefts at £67pm making £201 to be paid back.

Using yesterdays paycheck, I have paid £240 back into one of the savings accounts and £201 into the other. £441 in total. I have also cancelled both standing orders as these amounts have now all been repaid.

This means we have just ONE debt left, which is the CC,  as the savings to pay that back have also gone out this morning, the current balance stands at £8205 with £6600 worth of savings towards paying it so  currently £1605 outstanding. In a weeks time the £100 min payment we make will come off that figure reducing it to £1505. 

The £1505 will be paid off over 2 separate payments of £752.50, which is already less than we have been paying out because each month  we paid £600 into savings to pay CC off, £100 on min payment and the 2 standing orders of £80 and £67, which totals £847 we were paying towards debt. This means as things currently stand we are going to beat my initial DFD of July 31st.  

I have felt for a long time that May was the month I'd feel a difference, I just didn't know how accurate this was going to be.  

Spendless

£100 min dept to CC went out yesterday leaving debt as £1505. In my above post I said we would be splitting this into 2 payments to pay off. I even considered doing it at the end of May. I've had a change of heart. One reason is the card is still on a 0% deal (need to find when it ends) and we can put the payments into high interest accounts instead and keep the interest and just pay off before we started getting charged. 

The other reason is something I never considered I'd write here, sadly DS and DiL have split up, yes less than a year after they married. Her call and the reasons aren't completely clear, though I suspect it's one of those 'will all come out in the wash' scenarios. DS is heartbroken and DH has been staying at his place to be with him as DS has been given time off work. They went away last week, with her family, and there were arguments between DS and DIL all week, DIL felt she'd been in a bad place a week before they went and that DS hadn't been supportive. It all seems so strange. We believe she has now returned to her parents who live in a different county. Yesterday she cancelled going to a hen party next month that me, her and DD were all invited to. I had offered to help towards her costs, but when she wasn't getting back to me towards the end of last week (I put it down to having a bad signal in area they were holidaying) and also claiming she'd paid me back for part of the deposit (I can find no evidence she did) and the balance was due I paid the lot out, because the party organiser had to pay it all. When I contacted DIL about removing her self from group chat about hen party (and wedding invite) and said I'd paid it all because it was due, and I would have appreciated her telling me this earlier, she did offer to pay me back but since she doesn't have a job - and has only been doing online paying tasks which are *sometimes* lucrative and other times not, it seems pointless as either she doesn't have it or its come from DS anyway. I am bordering between wondering if she's ill and having less charitable thoughts. We now need to concentrate on DS and give him all the support he needs, emotional, practical and also financial as he negotiates a new life he wasn't anticipating. So thankful we are almost debt free to enable helping him. 

Fortune_Smiles

Very sorry to hear your news Spendless.  Sending hugs.

Fortune x

Yankee24

Sorry to hear that.   I think sometimes it’s get married/or break up and people make the wrong choice, after all why rock the boat.   Also, we don’t talk enough about “you can just split up”. to our kids.   I make a big fuss, after seeing 2 marriages split within a year, of saying to my adult kids, only death and taxes are compulsory.  Everything else is changeable.  Glad you are obs a loving family.  

Spendless

Thank you. Unfortunately things got worse. The other morning DS woke up to find DIL and her Mum in his bedroom taking stuff. This had not been arranged/agreed etc and they turned up with a large transit van and 2 removal men. At 9pm the prev evening DH had received a text from DIL's Mum about sorting out a date to collect items, but nothing had been sorted. I don't mean they'd argued, just a request at some point to collect DIL's stuff, and no date been mentioned let alone agreed. 

They live 100 miles/1,5 hr journey  away and by 9.30am they were in DS room (using DIL's key to get in) so the van had been arranged in advance. Fortunately some of my husband's family don't live too far away so were able to go round and stopped several large items leaving the house (because they didn't belong to DIL). My boss let me leave work over it all and I went to DS house. He had gone missing without his phone. I did have it out with DIL's Mum over what had been done, she initially insisted she'd told DH the night before that she had told him she was coming that morning, I called her out for lying and said show me the messages then, of course she wasn't able to. Pointed out to her there would have NO issue whatsoever for DiL to have her stuff but this wasn't the acceptable way to go about things. It eventually emerges that they believed DS would be at work (??? WTH - he's been off work due to all the stress, did they really believe he could function normally) of course if he had have been, he would have returned home to find the house stripped bare. The police were informed because there was a welfare concern for DS, they also advised what could legally be taken. I went searching for DS, couldn't find him but eventually he came back, though he later went to sit at a neighbours.

Myself and family member sat to watch the items leaving the house, another 1 or 2 large things were stopped (fortunately whilst I was searching for DS, police had rang my relative and items that could be taken were agreed by both parties). Around 2.5 hours after they'd arrived, they left. I rang my boss to inform her I wouldn't be back for the rest of the day. DS returned to his place  to shower and me and relative went to get a coffee and lunch to allow him (and us) some 'comedown' time. That's when DS discovered he'd been stripped of practically every toiletry he owned. I know why, DiL lives in a sleepy town with no shops except an expensive co-op or tourist gift shops - nowhere to buy basics. 

After nipping home to change out of my by now far too warm work uniform and calling at my parents who were providing doggy daycare for me and informing them what had happened, I then returned to DS and took him into town and replaced all his toiletries for him. His emotions have changed during the course of the week from incredibly upset to angry and we need to find the best ways to support him. 

Yankee24

Wow.  What a weird scenario.   That dil and mother are a piece of work.  Who thinks about taking toiletries?    

badmemory

I'm sure your DS is devastated.  But hopefully he will finally see that he really is best out of it.  As for who thinks of taking toiletries -  that is someone who is going to takeanything that is worth twopence just because they can.  Has he had the locks changed?

Spendless

Legally I'm *unsure* if he can change the locks because she is still on tenancy agreement - this needs changing. She did hand over her key as she left and they do live 100 miles away but since she still wants some more stuff she left there, I can see this is a potential concern.

He has now also discovered she took the laundry basket, a basket they kept loo rolls in in the (very small) bathroom, all the contents of the medicine/first aid cabinet, all the hairbrushes and one of his sandalls!
I've replaced some of this for him, but we discover anymore and I think I need to do a family/community shoutout if anyone has surplus items. 

Jeez I thought I'd been hoodwinked when it came to DD and Tex, but nothing prepared me for this one coming! . 

badmemory

How soon can your DS move out of there, taking what is his & just leaving the rest.  She will be back & I certainly wouldn't want her on my doorstep.