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Keeping afloat till I can get round to the debts!

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  • jwil
    jwil Posts: 21,959 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Ctax starts again in April so you should get til 30th :)
    "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: 2,208 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    jwil said:
    Ctax starts again in April so you should get til 30th :)
    Phew means I don't have any council tax to pay in my current or my next payday!
    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...
  • Debt_Overload
    Debt_Overload Posts: 26 Forumite
    10 Posts Photogenic Name Dropper
    Following your journey and sending mental strength your way.
    Many years ago I had a partner who had no concept of moderation himself. I distinctly remember having to ask a supermarket for a refund on cans of baked beans to afford enough for baby formula. That was my low point but it still changed nothing for him.
    I know how it feels, I just wanted you to know that many of us have been there and survived, please don't be afraid to use that community pantry again, you can make some great meals from a tin of stewed steak, chicken in white sauce, or ham. They are funded by local council with the money we used to get paid directly into Universal Credit - plenty of people use these services in less need than you.
    Sending positive thoughts your way. xx
    Detty
    LBM: 💡February 2025💡     DMP debt: 💰 £0 repaid of £33,753 💰     Self-Managed DMP starting date: 📆 March 2025 📆     Debt Charity's projected finish date: 📆 January 2044 📆 Detty's hoped finish date: 📆 December 2034 📆
  • jwil
    jwil Posts: 21,959 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    There's also Too Good To Go, and you could see if there's a community fridge near you - those are about reducing food waste, so anyone can use them.  My local one would be a good source of bread and bananas but they also get a range of other stuff as well.

    You're doing great 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
    jwil Posts: 21,959 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope all is ok with you x
    "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: 2,208 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Hiya jwil yes I'm doing alright thankyou for asking . Same old, same old going on here but I'm doing okay. Limping along with the budget, DH still 🍻 his ssp and no return to work date set yet-waiting on Drs say so. Sun's shining though and I'm off now till next Thursday so all is good. I'm ready for the break. 
    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: 21,959 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you're ok.  Enjoy your few days off!
    "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
  • thepurplepixie
    thepurplepixie Posts: 3,703 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    Hi just wanted to say how well you are doing.  Years ago I was like you now I'm retired with no mortgage or debt and kids all grown up and independent, it does get easier eventually.

    I honestly think schools need a reality check about what they are expecting as it seems really unrealistic.

    One easy way I e found to fund my Christmas food bill is jam doughnut.  It's a site where you buy gift vouchers for shops like Sainsbury's or Asda as well as M&S.  You only get 2 or 3% but it adds up.  As a pair of pensioners I currently have £40 in my account so you would make much more.  It is easy to use, I was a bit nervous at first but it is good, it also makes it easy to manage your shopping budget, I just top it up at the start of the month.  Hope that might be a little help 
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,382 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    I use JD too for Cash back and a few % off my shopping. If you're shopping in the big SM anyway it's worth doing as it builds up quickly. I downloaded the app for it so it's always on my phone.

    Hope you have a good week off.
    No advice for the husband as I had one just like yours but mines now an ex. Big hugs you're doing a great job. 
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200.
    Total- £1162.23
    Goal pay off 1% of current mortgage in 1 year. £1200. (96.83% there)

    EF- first goal £300
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