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

Spendless

I spent the weekend excited for today when our next min payment  on the CC was due out. Checked as soon as I woke up and nothing there. Slight panic as I thought we'd cancelled payment by accident on the banking app, scroll through and see it left the account on Friday! Find it a little strange why as payment date I'm sure is the 8th, I've checked back to last month and it was and I always thought a payment came out the working day after if date fell at a weekend.

Just realised I'd got my prev figures out by £100 so have rectified on my spreadsheet

Current correct figures! £8005 is owed on the CC as of today. We  currently  have £7200 towards this. An o/s balance of £805. On 1st July a further £600 will be paid into savings fetching that total to £7800. Once the min payment of £100 goes to the CC on 8th July this debt will be as follows

£7905 owed on CC, £7800 in savings to pay it. A balance of £105 which will be taken care of via the £100 min payments each month up to and including September when the 0% deal runs out.

 It means after next payday the savings we put away,  no longer have to be channelled into paying off debt.

Spendless

Interest has been paid today into 2 of the savings accounts. It's not much now we have moved money into higher interest/more restricted access accounts but at the same time I'm no longer scrambling about for every single penny. However I will still be relieved when the savings match the CC debt even if it's not paid off until just before the 0% deal ends.

I was moved from a temp to permanent contract at the beg of the week and get a slight (v slight!) pay increase  due to it. I need to get more organised with groceries/packed lunch items as the call of the vending machine is too tempting! 
I have booked AL and got it approved to accompany DH on his next works trip, this is in Autumn and we'll be there on my birthday.

The next few days sees us at an evening reception for my ex-workmate, tomorrow for father's day in an attempt to keep the costs low for our kids and not put them under any financial obligation/pressure to buy gifts, I have booked for our dog to go to a play park and my parents will come too before returning to our home for hot roast sandwiches (need to buy the stuff today!) then it is my parents WA followed by our Silver WA.  We are all  going to a Chinese restaurant (as that's what we did the day we married abroad) and we will pay for my parents meal as our gift for their WA   

satchmo1

Happy Silver Wedding Anniversary!! 

Honeysucklelou2

Wow! Happy Silver anniversary!

Spendless

Thank you. It's tomorrow (still need to book the restaurant!). 

Sat evening we went to my ex workmate's wedding and sat with someone who used to work with us too and hadn't seen since the place closed down  6 years ago so was really nice to have a catch up.

Yesterday me, DH, DD and my parents took the dog to a play park. He wasn't overly interested though apart from the ball pit so next time I'll just book the nearby  enclosed field  which we've been to before which is a couple of £s cheaper. After that we returned home and DS had been watching over the pork joint (quorn joint for DD) and had roast sandwiches plus sausages rolls & cakes made/bought by my Mum. It was a nice and cost effective way to celebrate. I did it this way as I didn't want any financial pressure/obligation on DS & DD to think they needed to buy something. DS seemed a little down. In a few days DIL is coming to pick up the rest of the items that she left behind including things that we had stored for her at our own house for the past few years, so I don't know if this is on his mind

We are going to look at our diary and see if we can fit in a mini break with him this summer. 

Spendless

Enjoyed Chinese. It was a banquet so set price per head. Meal for 6 plus drinks came to just under £200. Restaurant didn't accept our brand of CC, so paid for out of current account and moved savings over. This has happened on a handful of occasions so when our CC that has the transferred debt on has completely cleared we will be keeping it as backup for times when we would prefer to pay by CC but our main (CB) CC isn't accepted. For this bill we will treat the amount out of savings the same way as we would have if we'd paid by CC and pay it back accordingly. 

Spendless

This week DIL  came back to pick up some remaining items. We had  a few boxes of her stuff stored at our house in our attic/wardrobe and there were a handful of items at DS. Mr S made sure he was there when she picked the items up from DS. She gathered the items and took them back to the car she'd arrived in. No idea who drove her over but we now have reason to believe that she has left DS for someone else that she had been chatting to online (whether she prev knew this person no idea). We haven't given our suspicions to DS, so no idea if we knows though we are inclined to think he does. It makes me feel physically sick that she was actively trying for a family with DS whilst messaging another bloke on the sly. I know that in time I will be able to say 'don't care about the  financial/emotional/legal cost DS has dodged a bullet' but  currently I'm too cross about it all including the wedding less than a year ago! 

We have contacted our solicitor and asked for an amendment to our will, taking DIL out of our 'disaster' scenario. Our  prev will is now invalid/destroyed.  Should we all  die before the new one is sorted then we will die intestate  which isn't ideal given our various extended family situations but it's a better option than DIL inheriting 50% of our estate, which would happen under our previous will. 
DH has also cancelled DIL's phone contract. Something I'd been asking him to do since the 'other man' came to our attention. Initially as it had been a Xmas present to her we said we'd pay till the end of the year. Realising what she's done had us reconsider that stance. The next step other than our wills is to get DS to a solicitor. He needs some sort of financial order in place so that she can not come back and claim anything years down the line. As she left the other day she told DS that she had been nice to him by leaving him most of the household stuff (!!) to which he replied lets talk about the bank statements and all the disappearing money. DS was naïve in this, he should have gone into the joint account/s they had and taken half straight away. He didn't because he was too upset at that  stage and bewildered by it all.

Both me and DH only have a few hundred £s left from our wages, so glad payday is Friday! I did buy fascinator, handbag, necklace and shoes yesterday for a wedding next month but by going to small independent shops the whole lot came to under £60 which I'm more than happy with. I bought  my dress weeks ago. We do need groceries, but going to meal plan and stretch out what I've got including  buying for work lunches. 

Whilst I was out buying wedding accessories, DH took DS to the city centre shopping, He wanted to go to Savers to buy more toiletries. This is where I took him the day DIL & co turned up at this house and cleared the lot, so glad he's giving thought to where the best place is to top up supplies. 

DD went with friends to Ascot yesterday, tickets bought ages ago on an early bird discount. Tickets for a party afterwards were paid for by her friend's Mum as a treat. At the Chinese restaurant  on Tuesday for our WA DD's fortune cookie made a reference to an opportunity and DH suggested she found a horse with a similar name to bet on , she did and won £40.  

badmemory

I'm sure your DS is nowhere near this stage yet but I think he may well have dodged a bullet.  Can you imagine having to suggest to him that he has a new baby DNA tested.

Spendless

Thank you. Similar has gone through my mind though I'm not  sure that she ever met up with other bloke in person prior to leaving DS, but certainly an announced pregnancy not long after she left once we discovered what we have would have left ???

DIL's behaviour was completely bizarre and seemed to change within the 6 days that  her and DS  went away.  but when she came back here  and they spent the w/end breaking up DS saw a message from his MIL to his wife, that now provides more context. DS and the new bloke have similar sounding names let's hypothetically call DS Ben and new bloke Ken. The message read 'so long as this is what you want and not just what Ken wants' When told I truly believed that this was an autocorrect for Ben, I fetched this up with DIL's Mum the day of the 'house raid' to be told that Ken was a gay friend  of DILs. Though I wasn't completely convinced of this, I didn't think someone else was the actual issue until we saw a photo on social media of said 'Ken' at an 'occasion' with DIL and family. We weren't stalking, it came up on DH SM feed because certain people who had remained on DH friend's list had been tagged in the pic. That's when the penny finally dropped, DD confirmed the person in the pic was Ken having previously found him on DIL's SM (DD did  stalk when I told her about the message! ) Without saying what the occasion was it's not something you'd take a +1 to, not unless  they were your partner and you needed their support and/or they'd had to drive you over, which also leads us to believe that DIL hasn't returned to her parents at all and is instead  living with Ken. 

In moneysaving news exactly one week today we will have enough savings to cover the CC debt and I really can't wait for us to be able to move on to the next chapter

Spendless

Penultimate working day of the month so usual round up. Today we owe £8005  on the CC and have £7200 in the savings account to pay it off, so  an o/s balance of £805. Though now a small(ish) amount these figures will drastically reduce next month. We are almost there. I know I found it a toughie and wouldn't have done it if I'd known what was coming next, but paying back into savings all those owed SO in one lump sum has  helped so much.

I can see both mine and DH wages pending into our bank accounts for tomorrow. Late tonight I will transfer any surplus over into savings. The only thing I can think of this month where we borrowed from savings is for our Silver WA meal because we'd planned to pay it on our CB CC and the restaurant didn't accept it. We will have to go through anything we have paid for on the CB  CC  as it will be due on Monday. Not too worried about that, as we just paid last months in full due to everything that had happened and didn't have the time to toothcomb it the way we normally do. We will get back on track with this.

I offered to help DS with his rent for the next 2.5 months and started this month . He requested I saved the money rather than gave it  to him and I've put it into one of my accounts rather than his. I would rather DS sorted the legal/financial situation sooner rather than later and don't want DIL eligible for anything I give. His head is understandably still not in the right space. I feel very hurt and used by what DIL has done, so goodness knows how he feels.