In a rush.

Moneyonmymind1979

Morning. 
I've been here before, but deleted my account as I probably overshared and then panicked that somebody I knew would read it. Me in a nutshell.....

2010- left my children's dad. He was abusive. Walked away with all of the debt.
2016- Had to sell the family home as I could no longer afford to maintain it or pay the bills and ex was bullying me to sell up. 
2016- married my husband.
2017- mum was diagnosed with a terminal illness but is now fit and well. Not sure how that happened. 
2019- left husband after finding out we were in an open marriage (he forgot to tell me). 
2020- had a nervous breakdown and lost my job
2021- met my current partner and set up a business to become self employed. 
2022- got divorced (we argued over who would pay for it and so I said I'd wait until he eventually paid).

My debts were £45000 in 2018 (possibly a bit more). 
Current debts are 

£13120- Stepchange 
£1600 on two credit cards 

Current situation is that I have two children. One is 20 and at uni and the other is 17 and going to uni next September. The plan was that I'd live with my partner next September when his daughter is at uni and mine has gone to uni, but she has hoodwinked him and won't be going. She's more than likely leaving college with little or nothing.

 She told me at the weekend that she was going to live with my partner until she is 40. She's currently looking at getting a job in factory at the end of the road, near her house.

 He bought me a bed because he said that mine was uncomfortable. I didn't want a bed, nor needed one. Anyway, she's has kicked off about it, complaining to anybody that will listen that I have a new bed. I feel like hiring a van and dropping it off at his house, but I digress.

She is very possessive of the family home and has caused me misery in the past, and so living together is no longer an option. 

So, now I find myself sick of renting and desperately wanting a place of my own. Most of the £13120 has fallen off my credit report and the rest falls off in March 2025 (I still have to pay it, but my credit report will look much healthier. 

Plans moving forward include paying off the debt, saving for a deposit and buying a house. 

Feels like I have a mountain to climb. 

twiggy86

Wow - it really sounds like you've been through an awful lot and that you've also successfully tackles a few mountains. Hope you have faith in yourself that you can conquer this one too x

MissShoes

So glad you’re back, your previous diary was a real fave of mine. Your progress is amazing, you’ve come so far. A new home of your own will be an amazing goal.

Moneyonmymind1979

Ah MissShoes, you recognise me! Hello!
I'll sure I'll be oversharing again over the coming weeks and months. X

Moneyonmymind1979

Morning. 
Looking after my sister's dog. She buys him posh food and hasn't sent enough for him and so it's costing me money to feed him. I'm not going to look after him again. I don't think it is appreciated. 

Money is very tight at the moment. My business partner and I have started some day work, where we employ other people. All of our money (plus some) has gone on paying wages. We're owed £25000 from various places and it hasn't come in yet. 

I've borrowed £2000 from my partner to cover the PAYE tax for the day staff and so when my money comes I'll have to give it him back. 

I don't live with my partner and the last two days we have fallen out. We never argue, but when we do it's always about his daughter. My daughter was on DofE for a few days and so I stayed at his house. His daughter made me feel unwelcome. She was moaning about the dog and telling me she was living in that house until she was 40. Her boyfriend came round and I was chatting with him. She sat on the settee and played on her phone. Almost annoyed that we were chatting. 

I asked OH to take me home and he refused and so I spent the weekend sat on his settee in one of his lounges. He said I made no effort to feel at home. I don't think it's my place to make myself feel welcome. 

I find her difficult and I probably could let more things slide, but I struggle with some of her actions.
Every word out of her mouth is a lie and in the past her lies have impacted on me. She told her grandparents that I was bullying her and on a trip to visit them abroad I got evicted from their home, after being squared up to by my OH's dad. She stood in the doorway laughing.

Enjoy your day. I'm going to try and clear out the house. 

Moneyonmymind1979

Morning. 
I've been up since 4am. DS is having a trial shift (he's taking a gap year our of uni) and so he needed a lift at 5.30am. It's running some events activities. 
He stays with his dad as his friends are near there. His dad stayed in bed and didn't offer him a lift. DS told me that his dad said that he hoped it would be really hard work as he needs to learn how to 'graft' His dad is one of the laziest people I know. I had to drive back to collect him, to then drive near my house to drop him off. 

Both DS and DD are having driving lessons at the minute. It costs me £104 a week. That's a huge sum isn't it? I teach 3.5 hours extra a week in the evenings and this gives me £87.50, which covers most of the cost. I also get money from other tutors who use our space and so this offsets the rest. 

OH has booked us a holiday, like a really unaffordable holiday. I told him that I can't afford it and he's told me to pay what I can towards it. I'll have to have a think about how I proceed with that one. He's in a totally different financial situation to me and very much on a different day out. 

I mindedd my business partner's dog for a week last week. It's not fully toilet trained and was hard work. She didn't even get.me a box of chocolates. I'm not being a mug now for anybody. People take advantage of me. I don't even eat chocolate, but that's not the point. 

I used to sell on EBay and buy from auctions and at one point I had a unit. I could make £3000 a month selling. All my stock is now sat in the room that shall not be named. DD and my niece have set themselves up in the living room and have sold nearly £100 in 24 hours of my stock. This keeps them busy and teaches them about earning money. 

I'm hoping that I can finally clear out all of the stock. I could do with listing some things, but I've got some sort of block on it. I think it's because it takes me back to a time when I was most unhappy.

Have a good day. I might try to fit in a nap at some point. 

Sunshine_girl2

Nice to see you back posting , hope things get better for you. 

foxandflowers

Hey

I've bookmarked to follow along. Very impressed that you've cleared 75% of your debt - I hope I get there one day. x

MFWannabe

Moneyonmymind1979 said:

Morning. 
I've been up since 4am. DS is having a trial shift (he's taking a gap year our of uni) and so he needed a lift at 5.30am. It's running some events activities. 
He stays with his dad as his friends are near there. His dad stayed in bed and didn't offer him a lift. DS told me that his dad said that he hoped it would be really hard work as he needs to learn how to 'graft' His dad is one of the laziest people I know. I had to drive back to collect him, to then drive near my house to drop him off. 

Both DS and DD are having driving lessons at the minute. It costs me £104 a week. That's a huge sum isn't it? I teach 3.5 hours extra a week in the evenings and this gives me £87.50, which covers most of the cost. I also get money from other tutors who use our space and so this offsets the rest. 

OH has booked us a holiday, like a really unaffordable holiday. I told him that I can't afford it and he's told me to pay what I can towards it. I'll have to have a think about how I proceed with that one. He's in a totally different financial situation to me and very much on a different day out. 

I mindedd my business partner's dog for a week last week. It's not fully toilet trained and was hard work. She didn't even get.me a box of chocolates. I'm not being a mug now for anybody. People take advantage of me. I don't even eat chocolate, but that's not the point. 

I used to sell on EBay and buy from auctions and at one point I had a unit. I could make £3000 a month selling. All my stock is now sat in the room that shall not be named. DD and my niece have set themselves up in the living room and have sold nearly £100 in 24 hours of my stock. This keeps them busy and teaches them about earning money. 

I'm hoping that I can finally clear out all of the stock. I could do with listing some things, but I've got some sort of block on it. I think it's because it takes me back to a time when I was most unhappy.

Have a good day. I might try to fit in a nap at some point. 

Ref the dog sitting do you do it for free
?! If so I would charge from now on; they’re using you cos you’re free; kennels or dog sitter are not cheap so check how much these are and charge accordingly x 

birdsfoottrefoil

Following! Hope it goes well and well done on what’s been cleared so far! 

Moneyonmymind1979

Evening. 
@Foxandflowers - Thank you for being impressed. No secret, I've just worked myself to death. 

@MFWannabe - dogs are minded for free. They drop them off because they get looked after brilliantly and obviously it saves a few hundred pounds. 

My mum (who is less kind) said that me giving all the time doesn't make people like me more, It makes them use me. Me and my mum don't agree on much, but I do agree with her on this. 

Had a day in the house trying to sort out the cupboard that shall not be named. DD is sleeping out at her cousins and so I could have gone to OH's house, but instead I'm going to go to the pub with my brother in law. I don't want to sit with his daughter and listen to her nonsense. 
DS had a brilliant day at work and so hopefully he'll give my wallet a rest for a few days. 
On Sunday I had a bit of trouble with the police. We were driving home and OH, my DS and me were in the car. Another car overtook us and he then threw a young woman out of his car. I reversed back and she was begging me for a lift home. I told her to get in and the next thing I knew her boyfriend was on the bonnet and screaming for us to give her back. 
It was all very shocking. I had no choice but to eject her from the car. If I hadn't then OH and DS could have ended up being injured. 
I phoned the police and they put a call out for the car. I felt guilty. I got a phone call three hours later saying that they had found them both and removed her from the vehicle. She was OK thankfully, but denied ever meeting me. I knew enough about the pair of them for that to be a lie. I hope the police knocked on her door and spoke to her parents. 

Nothing to do with money saving, but why do we put up with things that are less than acceptable? 
It's taken me to 45 to develop a zero tolerance approach. I'm going to instil those values in my two before they get themselves in that sort of mess.