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Diary of a 30-something idiot

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  • Having just started a diary myself, I shouldn’t really be doling advice out to anyone else. What I will say is that to me, this diary is not really a debt diary. Although the debts are very high, the monthly payment is relatively low or not being paid at all, so the overall position doesn’t really improve much if and when the debts are paid off. This diary is more about sustaining a household on a fixed income. Unless drastic changes are made this is normal life for the long term future- possibly forever. 

    I would really look into your husband's NI contributions and what this means for his pension. 
    Start Date 02-09-2024

    CC1 £569
    CC2 £1,036
    L1 £1,621
    L2 £938
    L3 £936
  • I hope we haven't a scared you away, everyone just cares and worries about you and your daughter 
    *Dad loan - £5300 - £7300
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£400

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £860
    *Total debt - £8560/£11641.17*


    Savings
    *Savings Buffer - £1000/£1500
    *Emergency Fund - £1000/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • I hope we haven't a scared you away, everyone just cares and worries about you and your daughter 
    It is definitely not the intention to scare away but rather to be totally honest and hopefully supportive about the situation.

    At times things need to be said to help improve things and resolve challenging situations.
  • Bluegreen143
    Bluegreen143 Posts: 3,700 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    edited 3 September 2024 at 7:12PM
    Sending love Fox, I know some of the above is probably hard to read. 

    For what it’s worth, I’m a huge fan of one parent staying at home (or both parents working part time, which is even better). I think it’s a shame our modern society and government sees homemakers and stay at home parents as something to be discouraged. 

    I would personally expect an at-home parent to be doing most of the housework, especially when the children are older. When I was a SAHM my children were babies and toddlers, and DH did help in the house a lot especially in the post partum stages, but I did then take over more of the housework naturally as they grew and started sleeping at night. But the division of labour between a couple is really between them. 

    That all said though, having an at-home parent is a luxury which you can’t afford with the level of debt you have so I do agree with a lot of what’s been said. I would have remained a SAHM in a heartbeat, I really loved being there for my kids in that way. But we can’t afford it long-term so I returned to work. In an emergency situation (pawning items to pay bills), all adults need to pay their way.

    I also agree you ought to increase your stepson’s rent, or at least get him to pay for any subscription he uses. Or potentially teenage or pre teen kids can pay for subscriptions out of their pocket money or part time jobs.
    Part time working mum | Married in 2014 | DS born 2015 & DD born 2018

    https://forums.moneysavingexpert.com/discussion/6542225/stopping-the-backsliding-a-family-of-four-no-longer-living-beyond-their-means/p1?new=1

    Consumer debt free!
    Mortgage: -£128,033

    Savings: £6,050
    - Emergency fund £1,515
    - New kitchen £556
    - December £420
    - Holiday £3,427
    - Bills £132

    Total joint pension savings: £55,425
  • warby68
    warby68 Posts: 3,135 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    There have been a few diaries that really touch me more than most, usually the ones where a child is getting a raw deal, where I desparately want the person to succeed in turning things around, whatever that may mean for them. This is one.

    I keep coming back and hoping for a fundamental change in mindset to have taken place for Fox or even better still in Mr Fox.

    I wish I knew some magic words to make this happen as until Fox is ready to change some fundamentals, nothing will improve. If she does, I think she will have the biggest group of supporters ever seen and she has a fair few already.
  • Purplelady65
    Purplelady65 Posts: 286 Forumite
    Fourth Anniversary 100 Posts Name Dropper
    edited 4 September 2024 at 12:53AM
    Lots of great comments and suggestions being made. These points have all been made many times before so really hoping these consistent messages from people with lots of life experience can be taken onboard by Fox. The only way change is going to come is if Fox changes her behaviour and forces a change as sadly it’s looking like no one else in the family is going to step up and make changes. People really are rooting for you Fox and want to see you getting into a better position for you and your daughter. 
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