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Teetering on the brink
Comments
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Oh I have checked, repeatedly, via several people, and they all have come back saying umm, ahh, the 24th, but that’s what they said about the annual leave last month and then they didn’t pay me. The whole process of leaving has been a complete disaster from start to finish and not just me but seemingly for lots of people who left through the same Voluntary Leavers Scheme. No matter what they say, the trust in them actually doing what they say has totally gone. I just have to sit and wait it out now.
End ofSep-25Oct-25Brother 7,800.00 7,650.00 Overdraft owed 0.00 0.00 MBNA CC 11,481.53 11,504.06 Barclaycard CC 9,662.17 9,558.10 Fluid CC 1,046.44 1,036.29 NatWest CC 11,705.36 11,693.03 Aqua 1,127.94 1,107.94
Total debt
42,823.44
42,549.42Paid off in the month 211.33 274.02
Interested in my diary? Check out...
https://forums.moneysavingexpert.com/discussion/6580468/teetering-on-the-brink/p13 -
If you are able to get a cheque book, there was an old trick (I was an impoverished student in the 1980s) where you pay by cheque, timing it to arrive on the right date but it will take a couple of days to clear, by which time funds have arrived in your account. I don't know if this would still work now that cheques don't have to be physically handed over.
What a lovely Pets at Home lady. 😇
I'm sorry you're in such pain and I hope it eases soon. This windy weather can't help.
I think a bit of sunshine is good for frugal living. (Cranky40)
The sun's been out and I think I’m solar powered (Onebrokelady)
Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/223 -
An even better thing if you can pay by cheque is to "forget" to sign it so they have to return it to you to sign and then you send it back again - will give you an extra week at least!
2 -
Thanks for the cheque suggestion, I will have to remember that one. I literally cannot recall the last time I wrote a cheque as everything is direct debit. I should be ok though. I went over to my brother’s yesterday to do more on the van and I mentioned to him how much I am relying on work paying me on time. He said he would rather lend me more money than have things start bouncing so I now have a back up plan that will buy me more time if work does not pay me on time. I really don’t want it to come to that but it is a relief to know I have a bit more breathing space should it come to it. Honestly, I don’t know what I would do without him.
Van wise I made lots of progress. I did almost all of the work by myself this time as my brother had his own stuff he needed to do, but he did make me lots of tea and buy me an Indian for dinner bless him. B&Q finally delivered the wood (at 10am rather than in the 4:30-6:30pm window they said they would be there 🤦♀️). Thankfully my brother was expecting me for 10am so he was in! Honestly, I don’t know why they couldn’t just do what they said they would do! Never mind, it has arrived now which is the main thing. Despite feeling like death this morning (the new tablets seem to have given me insomnia 🙄), I am going to head over again today and see if I can finally finish the insulation. Yesterday I finished the first layer which you basically peel and stick to the metal (much more fiddly than it sounds), the next stage is fluffy stuff (a bit like loft insulation but not scratchy), and that needs to fill all the voids. I started it yesterday but today’s job is to finish it. Then I can get on with the wood and get it out of my brother’s living room! 😬 I don’t know how he puts up with me sometimes!
First though, I have promised dd2 that I will take her to college and post something for her in exchange for her looking after the dogs again today. She’s another one I don’t know what I would do without! I have agreed to pay her a few quid for looking after them while I am out because I am gone all day van building (it’s currently in the form of an IOU for when I get paid). I always come home to very happy dogs when dd2’s been looking after them so it is totally worth the cash and she has things she wants to do with friends so it’s a win-win. She deserves the pennies too! Not only did I come back to a cleaned house yesterday, (she even washed the carpet in the living room!), but before I went out I had washed and hung up the dog bed covers and by the time I got back she’d put the covers back on the beds and was half way through bathing the dogs so they could be all clean on their nice fresh beds! Bless her, she’s so thoughtful.End ofSep-25Oct-25Brother 7,800.00 7,650.00 Overdraft owed 0.00 0.00 MBNA CC 11,481.53 11,504.06 Barclaycard CC 9,662.17 9,558.10 Fluid CC 1,046.44 1,036.29 NatWest CC 11,705.36 11,693.03 Aqua 1,127.94 1,107.94
Total debt
42,823.44
42,549.42Paid off in the month 211.33 274.02
Interested in my diary? Check out...
https://forums.moneysavingexpert.com/discussion/6580468/teetering-on-the-brink/p17 -
Very productive things happening, well done.
Glad you have a back up plan just in case.
2 -
great that you have such a supportive family.
June 2026, Mortgage free, Emergency fund fully funded & £200/200 cash.:jWeight 12st challenge 11st 2lb
Gift challenge £40k in 2 years. Short term giftchallenge 7 presents and $1300 can by September.
Determined to stop defining myself by my mistakes. [/COLOR]Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.
I’m not perfect but I’m good enough.3 -
What a fabulous family you have! And great to hear the van is coming along so well.
I think a bit of sunshine is good for frugal living. (Cranky40)
The sun's been out and I think I’m solar powered (Onebrokelady)
Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/222 -
Fluffy insulation on van complete. ✅ It wasn’t a difficult job and didn’t take that long but between yesterday and today it nearly saw me off. I came hope, collapsed in bed and slept for 3 hours solid. 😬 Still, that’s that bit done, and on Sunday I can 🤞put the floor down and finally start building.
Still no word on the job I wanted so I don’t think I got it. I was supposed to hear by the end of last Friday. ☹️
Currently just £57.39 left of my overdraft and 9 days to go until the pay out. 🤞End ofSep-25Oct-25Brother 7,800.00 7,650.00 Overdraft owed 0.00 0.00 MBNA CC 11,481.53 11,504.06 Barclaycard CC 9,662.17 9,558.10 Fluid CC 1,046.44 1,036.29 NatWest CC 11,705.36 11,693.03 Aqua 1,127.94 1,107.94
Total debt
42,823.44
42,549.42Paid off in the month 211.33 274.02
Interested in my diary? Check out...
https://forums.moneysavingexpert.com/discussion/6580468/teetering-on-the-brink/p18 -
Today be a garden day. First thing as always has been to go around and litter pick the whole garden as the dogs are forever pinching wrappers and taking them outside to play with them. I had both dogs with me today for the first time since Little Dog went into season which meant close supervision was needed. Little Dog is clearly not in the mood for anything but doesn’t stop Big Dog still trying his luck occasionally! Since gravel shovelling would make supervision difficult I decided a bit of pruning was a better option. It is amazing how fast things grow as this time of year and how much tidier everything looks after a bit of a chop. I even got to finally place the headstone dd2 and I bought for piggle. How fast have those 6months gone! Still lots to do in the garden but I am trying to take it easy after the past couple of days to try not and overdo it.
Still no word on the job front.£43.39 left of the overdraft and 8 days to go until payout day.
End ofSep-25Oct-25Brother 7,800.00 7,650.00 Overdraft owed 0.00 0.00 MBNA CC 11,481.53 11,504.06 Barclaycard CC 9,662.17 9,558.10 Fluid CC 1,046.44 1,036.29 NatWest CC 11,705.36 11,693.03 Aqua 1,127.94 1,107.94
Total debt
42,823.44
42,549.42Paid off in the month 211.33 274.02
Interested in my diary? Check out...
https://forums.moneysavingexpert.com/discussion/6580468/teetering-on-the-brink/p14 -
Well, I finally got the confirmation that I didn’t get the job I wanted. 😞 Apparently they had a really strong group of interviews but the successful candidate was a better fit for that particular team. That said they did ask if they could consider me for other roles as they felt my skills would be really beneficial. I think coming a close second at interviews is my speciality!
End ofSep-25Oct-25Brother 7,800.00 7,650.00 Overdraft owed 0.00 0.00 MBNA CC 11,481.53 11,504.06 Barclaycard CC 9,662.17 9,558.10 Fluid CC 1,046.44 1,036.29 NatWest CC 11,705.36 11,693.03 Aqua 1,127.94 1,107.94
Total debt
42,823.44
42,549.42Paid off in the month 211.33 274.02
Interested in my diary? Check out...
https://forums.moneysavingexpert.com/discussion/6580468/teetering-on-the-brink/p16
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