Teetering on the brink

EatingBeans

ok it’s now that hot I’ve just taken to getting in and out of the shower fully dressed! 🥵

Stay safe everyone!

Humdinger1

So thrilled for you @EatingBeans! How are you splitting it between debt and unavoidable living expenses? Love Humdinger xx

Newstartforme

So glad your payment arrived in time EB , you truly deserve for things to be a little easier . Good luck with job hunting also. Do you think if you pay the debt down somewhat you may get offers and get some onto interest free again? That would help going forward . Hope you are all coping in the heat xx

EatingBeans

I’d like to say the money has all been nicely sorted and I now have a full grip on where I now stand but honestly, I would be lying. It has just been too hot to properly think! Just shy of £15k has already been split across the credit cards. 3 months worth of direct debit bills has been moved to the corresponding current accounts to match with (in theory), no input needed from me other than to monitor. The rest is currently a bit of a grey area. I still have £2200 payment to another credit card planned in but I need to find the right debit card to actually make the payment.

I have bought some stuff for the van and the new tents I had promised the girls so we can get out and enjoy the summer. I have a million other things I would like to buy (like getting in a plumber and electrician to sort the toilets and lights but I feel like I’ve already spent way too much so that can wait until I get a job (or the toilet stops flushing completely!). 🤣 The only other thing I still plan the buy out of the money is a service for the van and an mot for the car. As soon as dd1 leaves in September the car will be sold so hopefully I will recoup that money soon enough but both are in very dire need of a bit of tlc atm so a necessary expense.

This weekend is a mad dash to try and make the van functional for camping at the very least. I am at least at the stage of making the carcasses for the bed and cupboards so it is getting there. It does require quite a bit of brain power though as it being such a small van it is a squeeze to fit everything in. One thing I did realise today is the dogs have more room than I do! lol! I am quite sure my brother thinks I have lot the plot in this regard but I would much rather give them extra room and squeeze myself in than think they were too cramped. If it really becomes unbearable then I can always make alterations for next year but right now I just want to get is on the road asap!

There has been a bit of a lull in jobs I can apply for but I still have two uni applications in progress, one of which I have an interview for next week. 🤞

ellenvan

Hopefully you get the van finished soon and can enjoy a summer of camping.

Cheap holidays and nice to do while you are not working.

Have you thought about any self employment you could do between jobs? Or as a side hustle if you get a job soon.

EatingBeans

Busy, busy day working on the van today. Perfect conditions for me to power on without setting my face off or melting from the heat so I went full speed. LOTS achieved! 😁 I now have the dog crate, toilet and fridge all in position, all framed out and the base of the seat all built enough to sit on. Whilst there is still lots to do to make it so that I can go away and sleep in it, I have at least reached the stage where I can seal the floor, finally fix it down and lay the lino, then it will be ‘done’ enough to throw everything in and go off camping! It will still be rough around the edges and with a long outstanding to-do list, but at least I will be able to go out with the dogs and dd2 in between finishing it off. Plus my brother will get a break from me taking over his relaxing weekends every week! 🤣 You never know, I might even get the final bit of plywood out of his living room at some point! 😬 It’s a good job he loves me. 😊

As it stands the self employment bit is on pause until dd1 leaves in September and I have more space in the house. That said, I still have a mountain of items to sell through decluttering so that is still the current plan to try and earn some extra pennies. After today though, tomorrow is rest day. I am properly shattered.

Cherryfudge

It sounds as though it's really coming along fast now!

EatingBeans

haha, I have just received a notification that Fluid are increasing my credit card limit. 🤦‍♀️ I mean sure, I have no job and even the previous limit stretched me beyond breaking point about what is sensible to be able to borrow even when I was working, but hey, it will improve my credit score by reducing my debt utilisation rate so knock yourself out! 🤣 Now if one of my cards can instead look at it and decide to offer a zero percent deal instead, that might actually be useful. 🤞

Cherryfudge

Crazy, huh? But depending on interest rates, could you transfer from another card onto Fluid?

ellenvan

Hopefully you may get some interest free offers now.

Also have room to adjust any debt left to lowest interest rate cards.