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misstara's debt diary 2024

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  • misstara
    misstara Posts: 3,987 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Well 2025 hasn't gotten off to a good start - OH's mum sadly passed away at the start of the week and he's currently ill with pneumonia, now out of hospital with antibiotics but needing a lot of support.  Thankfully I have the ability to work from home so will do that for at least the next couple of days.

    Money wise I have no idea where we are, will try and make some time to sort out my accounts and YNAB.  
    Mortgage 26.4.25 - £108,500  1.7.25 - £106,653.66
    Mortgage overpayment savings - £33.53/£50
    Mortgage overpayments so far - £612.99
  • beanielou
    beanielou Posts: 95,401 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    So sorry to read that. That’s a tough double whammy. 
    Take care of yourself x
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Boodedoo
    Boodedoo Posts: 504 Forumite
    Tenth Anniversary 100 Posts Combo Breaker
    So sorry for your loss and the added worry of your OH being so ill, Such a lot to deal with at once.
    Hope OH recovers soon and try to take care of yourself too.

  • What others have said plus I’d suggest leaving the finances until things are better. You have an emergency fund, work with that until things are less fraught and try to look after yourself.
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.
  • peacocking
    peacocking Posts: 27 Forumite
    Fourth Anniversary 10 Posts Name Dropper Photogenic
    Yes, social care - maybe the same role reading between the lines. If you ever want to DM... :) 

    I'm sorry to hear how difficult things are. Try to guard just a little time for you to catch your breath and rest. 

    About 35k March 24

    <then many hours working, little sleep, much grumbling>

    Now:

    £13577 Jan 25
    £11100 End Jan 25
  • misstara
    misstara Posts: 3,987 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Thanks all.  OH was re-admitted to hospital at the start of the week, still there with a potential discharge date of tomorrow.  Was going to be today but he had a set back this afternoon so they want to monitor him overnight.  So we will see what tomorrow brings!
    Mortgage 26.4.25 - £108,500  1.7.25 - £106,653.66
    Mortgage overpayment savings - £33.53/£50
    Mortgage overpayments so far - £612.99
  • Hey miss T, just wondering how things are with you and OH? Hopefully not too stressy 
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.
  • misstara
    misstara Posts: 3,987 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    edited 28 January at 7:25AM
    Getting there INOD :smile: 

    Unfortunately OH had a few more set backs but did get discharged the middle of last week with an increase in medication, he's doing ok but needing a bit more support than he would normally.  Trying not to hover over him too much but it's hard not to.  His mum's funeral got cancelled due to the storm so will be next week instead.

    Money wise I've transferred some cash out of savings to tide us over until payday and will just start with a clean slate then as I really don't have the energy to try and work everything out.
    Mortgage 26.4.25 - £108,500  1.7.25 - £106,653.66
    Mortgage overpayment savings - £33.53/£50
    Mortgage overpayments so far - £612.99
  • Emergencies don’t come much bigger than you’re dealing with right now. The money will get sorted eventually. Try to take care of you.
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.
  • misstara
    misstara Posts: 3,987 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Thanks INOD.

    Last 2 days have been NSDs which have been much needed.  Today won't be though as we need washing powder, toilet rolls and cleaning supplies as well as some food shopping.  Coffee as well - I'm currently drinking the last cup :cry:  Have got an opticians appointment later on this morning and it's only a 5 minute walk from there to a shop that sells really good coffee beans so think I will walk up afterwards and treat myself.
    Mortgage 26.4.25 - £108,500  1.7.25 - £106,653.66
    Mortgage overpayment savings - £33.53/£50
    Mortgage overpayments so far - £612.99
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