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Keeping afloat till I can get round to the debts!

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  • They say it comes in threes. I'm not gonna go into detail but I think our number three has just hit. On the plus side the sun is shining a little bit today 
    Jan 18 Joint debts 35,213

    Mortgage Jan 18- 77224 May 25- just under 65k

    June 25 Debts in my name only £5170. DH can't keep track...
  • jwil
    jwil Posts: 22,015 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry to hear that, hope everything is ok xx
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • jwil said:
    Sorry to hear that, hope everything is ok xx
    Thankyou. It's a financial hiccup not person related so that's good news in itself. Long story short something that is required for DH to work in his job hasn't been renewed. No one picked up on it, neither him or his boss and now he will need to take leave/unpaid leave potentially till it's sorted out. Hoping it can be renewed fairly quickly if not gonna mean no income for a few weeks but I'll cross that bridge when we come to it. Until then I'm on the last budget week before payday. Initial payments have been made on primary school trips and I've paid the school costs that have arisen from letters -well the ones that I'm willing to pay, said no to the rest.
    I've 25 pounds in my chase account and 50 in the slush fund which I'm trying not to use. I will need bread milk etc through the week so I won't be too far off, quite nice to have a slush fund actually. Feels less naughty than using an e fund. Was hoping to move 250 to e fund but only managed 100. Better than nothing I suppose
    Jan 18 Joint debts 35,213

    Mortgage Jan 18- 77224 May 25- just under 65k

    June 25 Debts in my name only £5170. DH can't keep track...
  • NeverendingDMP
    NeverendingDMP Posts: 2,228 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    edited 24 September 2023 at 8:06AM
    Haven't heard from first interview. They spent a good while talking about upcoming full time vacancies and gauging my interest so although interview went well I reckon they had decided on someone already earlier in the day maybe. The full time roles they were offering I said were something I probably wouldn't consider but best to be honest. The full time jobs were quite different to what I was applying for
    Second interview saying they are still interviewing into next week so it may be wed before I hear. But they only contact successful applicants. I have interviewed before and used that line so not sure I got that one either. Gelled really well with one interviewer, couldn't seem to get the other one on board as much. But will see
    Jan 18 Joint debts 35,213

    Mortgage Jan 18- 77224 May 25- just under 65k

    June 25 Debts in my name only £5170. DH can't keep track...
  • slm6002
    slm6002 Posts: 4,392 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Fingers crossed DH can be back as work asap and not too much of a gap in pay.

    Well done of getting £100 into the emergency fund.  All the amounts will add up and hopefully you wont be needing it any time soon.
    Me, DD1 19, DS 17, DD2 14, Debt Free 04/18, Single Mum since 11/19
    Debt £2547.60 / £2547.60
  • jwil
    jwil Posts: 22,015 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope DH's work issues are sorted quickly.  Well done on adding to the EF as well.  Slush fund is a great thing to have too.
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • NeverendingDMP
    NeverendingDMP Posts: 2,228 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    edited 27 September 2023 at 7:44PM
    Thanks I've never been able to separate money for a slush fund before. I've tried to save but my budget has always been so tight it's been a struggle. This is the money left over from weekly food and petrol spends. It will get used over time, probably when more random letters from school come or the maiden breaks etc but it will be nice to not have to cut the food shop to cover these things which is what I've had to do till now. 
    I've got 217 in the emergency fund and am aiming for that elusive 1000 again
    Jan 18 Joint debts 35,213

    Mortgage Jan 18- 77224 May 25- just under 65k

    June 25 Debts in my name only £5170. DH can't keep track...
  • Got offered job number one but have declined. Part time hrs not quite enough and too varied in working patterns. Full time post they asked me about was shift work,very varied patterns and although sounded interesting was not the same as what I applied for originally. Good confidence boost though. I'm very rusty with interviews but feel more confident now.
    Jan 18 Joint debts 35,213

    Mortgage Jan 18- 77224 May 25- just under 65k

    June 25 Debts in my name only £5170. DH can't keep track...
  • slm6002
    slm6002 Posts: 4,392 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Congratulations on the offer, but if not right then no point taking it for the sake of it, especially as its not clear what is happening as yet.  As you say, a nice confidence boost
    Me, DD1 19, DS 17, DD2 14, Debt Free 04/18, Single Mum since 11/19
    Debt £2547.60 / £2547.60
  • slm6002 said:
    Congratulations on the offer, but if not right then no point taking it for the sake of it, especially as its not clear what is happening as yet.  As you say, a nice confidence boost
    Thankyou. My heart was like go on this could be so interesting but the figures didn't stack up and I have to pre-book wrap around care as opposed to ad-hoc bookings so the brain won on this decision. In other news payday has landed so I get to start afresh and see how this month goes. Hopefully less money asking letters from the two schools 😂
    Jan 18 Joint debts 35,213

    Mortgage Jan 18- 77224 May 25- just under 65k

    June 25 Debts in my name only £5170. DH can't keep track...
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