We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Not far off.....
Options
Comments
-
Happy birthday and well done for recognising that you need a break.
It's long overdue and well deserved! You're not going into debt and a delay in debt overpayments is perfectly fine as the break will give you the reward for all you've achieved so far and enable you to prevent serious burnout. You're doing exceptionally well but you're only human. We all need time out to recharge and it's good that you're spending some time with your kids and you'll be able to relax and enjoy yourselves.Debt Free Diary:- The Mental Debt Struggle
(Original Debt on 15/07/2016 was £33,056.76) 🙈 but Debt Free on 09/02/2025 🎉
2025 SAVINGS: Emergency Fund (£604.30/£5,000) 12.09% saved
2025 CHALLENGES: #16 Sealed Pot Challenge ~ 18 || #9 50 Envelope Challenge 22/505 -
Good Morning Emma,Happy belated birthday returns to you.I couldn't agree more with some of the comments from others, you are an amazing woman and inspire a lot of people who are on here. Your family have been toxic and its hard to see through it and see the amazing person you are. It sounds like your man loves you a lot but is maybe not great with expressing himself. Sounds like he really wants to make a commitment to you. Honestly, go with your gut but don't let bad stuff stop the good stuff. You really do deserve better. The holiday sounds wonderful, really hope this gives you the opportunity to start to heal. From personal experience of pain its a very slow, long process and I hope this is just a start for you.2025 financial goals & challenges!
1). Mortgage (started Jan 2024) £107,542.12 / £122,400.00 Overpayment total: £904.60 (Inc Sprive yr 1 o/p £19.16 & £55.34 reg monthly overpayment) Equity 27%
2). #7 Save 1p a day challenge 2025 £150/£780
3). £2109.85/£3000 in Investment ISA (34/50 investments)
4). Increase cash savings & saving pots
5). Keep debt to a minimum.
Favourite quote: 'Life is like a box of chocolates, you never know what you're gunna get!' Forrest Gump5 -
[Deleted User] said:It's been a long day today. Out of the house for 12 hours, then home, walked the dogs with my bad foot and currently working in bed. I've got OH's dog. She is enjoying sleeping with me at night. She shares the heated blanket.
OH has phoned, gushing about his skiing trip. He's gone to bed early and his friend's son has gone into his room, whilst I was on the phone to him, to ask him to tell next door to be quiet. I told him that his friend should go out. If it kicks off then it's my OH getting a punch in his face. I told him to stay in his bed. He said he missed me, but I'm not into this planning a holiday without me then spending your time telling me how missed I am. I just don't get that.
Looked at my Experian credit report today and pressed a button which has increased my report by 28 points. Still dire but heading in the right direction. I want these debts to fall off my report to see what my score looks like.
Spoke to dog gate sister today who was talking about holidays. She's spending £900pp on her holiday. She asked us to go with her. I told her that it wasn't in my budget and she said I'll regret booking something cheap. i've got a 5 star hotel in Turkey (probably more like a 4), on the beach, all inclusive, with fantastic reviews. For a few seconds I felt like a lesser person, however I need to remember that I work hard, pay for everything myself and have nobody funding me. The fact that I can take my children on holiday is an achievement and we'll have a lovely time.
My mum asked my DD if I was missing OH and she said 'no'. She is very much like me in terms of not needing anybody. My mum commented to her that I was a very hard person. I'm happy with people thinking that of me.
I've been feeling low for a while and this fall has tipped me into depression. I don't say that lightly as I spend my life in and out of it and so know when I'm in it. I'd normally bat it off with exercise, such as running and long walks, but with the foot not working and a hole in ny face, I'll have to find a plan B. Anybody got a plan B?
Read a good book? What other hobbies do you have that you can still do?Ref the OH; he sounds like a good one; be careful you don’t push him away x I’m speaking from the same independent personality; sometimes we can be too independent x
Theres nothing wrong with him going away and missing you; I’d be more worried if he didn’t 🤷♀️MFW 2025 #50: £1139.75/£600007/03/25: Mortgage: £67,000.00
12/06/25: Mortgage: £65,000.00
18/01/25: Mortgage: £68,500.14
27/12/24: Mortgage: £69,278.38
27/12/24: Debt: £0 🥳😁
27/12/24: Savings: £12,000
07/03/25: Savings: £16,5004 -
Plan B - be kind(er) to yourself. Small treats and pleasures every day. Forgive yourself for not being 100%. You've had a heck of a tumble. You're allowed to be shaken up emotionally as well as physically. You're doing brilliantly with your debts, if the extra payments stall for a short while, that's also ok.
Take care, lovely lady.5 -
Plan B - Completely second be kinder to yourself. But would something a simple as listening to some chilling / calming music help? Also does the walk have to be long? Could a shorter hobble to a cafe be an option?
2025 financial goals & challenges!
1). Mortgage (started Jan 2024) £107,542.12 / £122,400.00 Overpayment total: £904.60 (Inc Sprive yr 1 o/p £19.16 & £55.34 reg monthly overpayment) Equity 27%
2). #7 Save 1p a day challenge 2025 £150/£780
3). £2109.85/£3000 in Investment ISA (34/50 investments)
4). Increase cash savings & saving pots
5). Keep debt to a minimum.
Favourite quote: 'Life is like a box of chocolates, you never know what you're gunna get!' Forrest Gump2 -
Hey Emma,Buying yourself a place for yourself and the furry friends sounds perfect and a good goal to work towards. Are you in an area where house prices are not totally crazy London prices? Wishing you all the best and enjoy the book. Sounds a bit like something I would enjoy.2025 financial goals & challenges!
1). Mortgage (started Jan 2024) £107,542.12 / £122,400.00 Overpayment total: £904.60 (Inc Sprive yr 1 o/p £19.16 & £55.34 reg monthly overpayment) Equity 27%
2). #7 Save 1p a day challenge 2025 £150/£780
3). £2109.85/£3000 in Investment ISA (34/50 investments)
4). Increase cash savings & saving pots
5). Keep debt to a minimum.
Favourite quote: 'Life is like a box of chocolates, you never know what you're gunna get!' Forrest Gump1 -
Hey, nothing is fixed and we can always change things. Good luck.LGGambling Addict - Acting now before it's too late. Gambling losses well over 25k.Current Situation Started Posting in Apil 24:Unsecured Personal Debt - July 2025Natwest CC 0% - £3000 (Cleared November 2024)
Lloyds CC 0% £4500 - £900
Barclaycard CC 0% £12,567 - £7700
11/6/24 - 17 MonthsGamble Free - Longest in years. Gambling is an illness. Seek help. It is not worth your life.2 -
I totally agree with not moving in till his DD has gone - she sounds very insecure and everyone has obviously bowed to it so she’s not going to grow up anytime soon.Sealed pot challenge 822
Jan - £176.66 :j3 -
Yes I too think you’re doing the right thing Emma. You don’t need someone else’s dramas being used to bring you down.27/5/17 Mort 64705 BTs 1904031/12/17 Mort 59815 BT 1673007/04/20 Mort 49208 BT 1572128/07/20 Mort 47387 BT 1263414/11/20 Mort 45905 BT 10134 20/05/21 Mort 42335 BT 686811/08/22 Mort 32050 BT 2915Sealed Pot Challenge 16 Number 53
-
[Deleted User] said:Morning. OH's sister in law is visiting from Spain so DD and myself have spent the weekend at his. Yesterday his SIL had booked breakfast and OH's DD was going out for breakfast with her friend. My DD was left on her own and so she went for breakfast then out shipping with the SIL. OH's DD has kicked off, crying that she felt left out because they had gone shopping without her, but she was already out and so I don't see the problem. She's nearly 19!
OH broached me moving into his house again. We went shopping (didn't spend any money) and he was looking at pictures. He asked me to choose some for his house and I said that it was his house and he should choose them. We then had a big debate where he was saying that he was trying to make it more like my home too. I had to tell him that I can't live with his DD. She's not movng out for a few years now she is not going to uni and so I need to make plans on my own. I try not to visit his house that often if I can help it.
I'm sat here now in this huge house with sheep in the fields and I could have a good life here. It's semi rural and very me. However, he's got commitments and his commitments spend their time calling me to to his mother and telling lies about me so it is not going to work.
Sending over £400 to the debts this month and picked up £90 a month extra work.
Enjoy your SundayAlso did he understand when you said why you can’t move in?MFW 2025 #50: £1139.75/£600007/03/25: Mortgage: £67,000.00
12/06/25: Mortgage: £65,000.00
18/01/25: Mortgage: £68,500.14
27/12/24: Mortgage: £69,278.38
27/12/24: Debt: £0 🥳😁
27/12/24: Savings: £12,000
07/03/25: Savings: £16,5003
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351.1K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.6K Spending & Discounts
- 244.1K Work, Benefits & Business
- 599.1K Mortgages, Homes & Bills
- 177K Life & Family
- 257.5K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards