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Diary of a 30-something idiot

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  • SueP19
    SueP19 Posts: 1,882 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Well done on the storage unit, your list reads like mine. I saved cook books on lots of stuff we no longer eat 🤦‍♀️🤦‍♀️
    Debt Free Diary - Second Chances! Life in a Tourer........Debt free, building a savings pot
  • SueP19 said:
    Well done on the storage unit, your list reads like mine. I saved cook books on lots of stuff we no longer eat 🤦‍♀️🤦‍♀️

    Hi Sue. 

    I am a self confessed book hoarder. But I am getting much better! I grew up bilingual, so a lot of the German books are from my childhood. However, my daughter is dyslexic so it's hard enough getting her to read English books, let alone German ones, and unfortunately I never taught her. There are a couple of them that are sentimental to me, so those will be kept, but frankly I have no idea what to do with the others. I need to clear out my daughter's books too, they are expanding out of the Kallax, and she doesn't read them anyway! So many things to declutter...

    including the jeans I am wearing to work today as they are far too low rise to be comfortable! 

    I love cooking, but I have to admit to rarely using a cookbook. I tend to just make it up as I go along! Any really good recipes I save in a folder on my laptop. I gave my friend a book of my recipes last Christmas, it was very well received, although how she got on when my method of cooking is "eye it, taste it, adjust" is anyone's guess. 
    ❀ total debt at LBM 01/2023: £47,178.76  ❀ debt at highest point: £51,062.14  
    ❁ currently - £24,950 ❁ emergency fund - £2,500 ❁ 
     ⚜  decluttering medals: ⭐️ || running total physical items in: 74 out: 160
    £1600+ made on vinted since 2023 ⚜
    we could get better, because we're not dead yet - frank turner.  ❧ 
    ------------------------------------------------------------------------

    twentytwentythriving.
  • SueP19
    SueP19 Posts: 1,882 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Try one if the book buying companies, it's a bit like dvds though, you need a good box full to get any money lol
    Debt Free Diary - Second Chances! Life in a Tourer........Debt free, building a savings pot
  • I am not having a good morning at all. 

    The warranty provider for my car has declined my claim, meaning I need to find £750 to fix it, in order to sell it. Which obviously isn't going to happen any time soon. I also need to go to the dealer and hand over my license and vc5, before they will order the part. I don't know what the heck to do about this. 

    The van needs a service if we are to keep it on the road, and I'm praying nothing has gone wrong there either. 

    And to top it off, my payslip for my first month has landed in my inbox and I have been emergency taxed... So I've lost £340 off my wages, and after speaking to HMRC they won't be able to refund it until February. 

    So any progress I feel like I've made, has officially been wiped out. And I don't know where to go or what to do from here. I'm so tired of things going wrong all the time. 
    ❀ total debt at LBM 01/2023: £47,178.76  ❀ debt at highest point: £51,062.14  
    ❁ currently - £24,950 ❁ emergency fund - £2,500 ❁ 
     ⚜  decluttering medals: ⭐️ || running total physical items in: 74 out: 160
    £1600+ made on vinted since 2023 ⚜
    we could get better, because we're not dead yet - frank turner.  ❧ 
    ------------------------------------------------------------------------

    twentytwentythriving.
  • SueP19
    SueP19 Posts: 1,882 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Sounds like a really carp day

    How come the dealer needs your v5 and lic? I would object about the warranty x
    Debt Free Diary - Second Chances! Life in a Tourer........Debt free, building a savings pot
  • That's not good news about the car and tax. But just think how much worse it would be had you not decided to take control. So although feels like everything is against you at the moment just keep going. 
    *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/
  • Hi both, 

    Dealer needs license and vc5 to prove identity as the part that needs ordering is security based, so they have to make sure I haven't stolen the car and am trying to replace the ignition as that would mean new keys etc. 

    I don't know if I can object about the warranty. I don't know enough about cars to know if I have a leg to stand on. I'm going to have to ring the garage today and see what we can agree on. 

    There is nothing I can do about the tax situation infuriatingly. I just have to suck it up. And get through another incredibly lean month. 

    My husband's phone has been cut off this morning. So that's another thing I need to sort out. And magically pull another £20 out of thin air.

    It just feels that even though I've had a LBM, it doesn't change anything or make my life easier. It just feels like I'm stuck in quicksand, and every time I think there is a branch coming to save me, it turns out to be a venomous snake. 
    ❀ total debt at LBM 01/2023: £47,178.76  ❀ debt at highest point: £51,062.14  
    ❁ currently - £24,950 ❁ emergency fund - £2,500 ❁ 
     ⚜  decluttering medals: ⭐️ || running total physical items in: 74 out: 160
    £1600+ made on vinted since 2023 ⚜
    we could get better, because we're not dead yet - frank turner.  ❧ 
    ------------------------------------------------------------------------

    twentytwentythriving.
  • It will get easier. The main thing is you aren’t digging in even deeper. 
    I think the turnaround point will be your husband getting a job. Even if it’s shelf stacking on an evening or some other low skilled part time work that he can drop into quickly for now. He must now you can’t support everyone all on your own, so the quicker that happens the easier things will become. Leave his phone, unless it’s absolutely essential, he can sort it with his first wage.
    Not all who wander are lost - J.R.R.Tolkien
    🌊 A smooth sea never made a skilled sailor 🌊

    My WW and friends diary is here 😁 … 
    https://forums.moneysavingexpert.com/discussion/6259606/must-try-harder/p1

  • SueP19
    SueP19 Posts: 1,882 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Ahhh that makes sense if it's ignition related 

    Hugs today
    Debt Free Diary - Second Chances! Life in a Tourer........Debt free, building a savings pot
  • I just tried to speak to Stepchange but unfortunately as my period of unemployment meant I have now missed 3 payments, my plan will auto close at the end of this month and I will have to ring them again at the start of February to set the plan back up and add my credit cards. So another week of not sleeping enough and stressing about getting it all set up before I can actually move forwards with that. 

    I'm sure you guys can relate, but I am just so tired.
    ❀ total debt at LBM 01/2023: £47,178.76  ❀ debt at highest point: £51,062.14  
    ❁ currently - £24,950 ❁ emergency fund - £2,500 ❁ 
     ⚜  decluttering medals: ⭐️ || running total physical items in: 74 out: 160
    £1600+ made on vinted since 2023 ⚜
    we could get better, because we're not dead yet - frank turner.  ❧ 
    ------------------------------------------------------------------------

    twentytwentythriving.
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