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Teetering on the brink

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Comments

  • dawnybabes
    dawnybabes Posts: 3,680
    Part of the Furniture 1,000 Posts Name Dropper
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    I’m sure there’s a template letter on here you can just use, will take 5 mins to set off.

    Sealed pot challenge 822

    Jan - £176.66 :j
  • MFWannabe
    MFWannabe Posts: 2,582
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
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    edited 17 September at 9:10AM

    https://www.moneysavingexpert.com/reclaim/council-tax-bands-change/

    @EatingBeans
    This article is really helpful

    You really should challenge it 👍


    MFW 2026 #50

    Mortgage:

    04/04/26: £33,500 

    07/03/26: £34,418.15

    16/01/26: £56,794.25
    02/01/26: £60,223.17

    12/08/25: Mortgage: £62,500.00
    12/06/25: Mortgage: £65,000.00
    07/03/25: Mortgage: £67,000.00
    18/01/25: Mortgage: £68,500.14
    27/12/24: Mortgage: £69,278.38 

    Savings: £20,000




  • Cherryfudge
    Cherryfudge Posts: 15,723
    Part of the Furniture 10,000 Posts Name Dropper
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    I'm just catching up after a few days of not enough Internet access, and it's so good that you got the helpful app then the progress with the doctor. Your planning seems realistic and should be a major help. Just to say that when I worked nights I would have four nights on and ten nights off (no days) so I had quality recovery time. If for some reason your pattern of days didn't work out (though I think it sounds right for you), there's also the one day on, two off and two worked together option.

    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 21/3/22
  • EatingBeans
    EatingBeans Posts: 849
    500 Posts First Anniversary Photogenic Name Dropper
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    Van loaded. Finally goodbye breakfast with dd1. 😢 I know she is almost 20yrs old and definitely ready to fly the nest but this process still feels so strange. What do you mean she wont live here? She’s my child, how can she not live here? 😭


    End of
    Sep-25
    Oct-25
    Brother 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

    42,549.42
    Paid off in the month 211.33 274.02

    Interested in my diary? Check out...
    https://forums.moneysavingexpert.com/discussion/6580468/teetering-on-the-brink/p1
  • Dakota_Rose
    Dakota_Rose Posts: 861
    500 Posts Name Dropper Photogenic
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    Tough day 😞 - but how exciting for her too. I still remember my moving to uni day and it was a looong time ago now.

    I hope today isn’t too tough for you and you manage the driving okay.

    PBs £3050 (including £1k EF & £1k Christmas fund)
    21/26 books for 2026

    Take the time to find the joy in each day

  • daisy_1571
    daisy_1571 Posts: 3,367
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
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    Such a mixed feelings day. For you it's a big goodbye, for her its a big hello. She will be nervous, excited, sad to be leaving home, hope you both get a lovely cheerful cuddle then you can have a big cry once you are on your way home 😥 xxxx

    22: 3🏅 4⭐ 23: 5🏅 6 ⭐ 24 1🏅 2⭐ 25 🏅 🥈2⭐ 26 🥈 Never save something for a special occasion. Every day is a special occasion. The diff between what you were yesterday and what you'll be tomorrow is what you do today Well organised clutter is still clutter - Joshua Becker If youre not already using a thing you won't start using it more by shoving it in a cupboard- AJMoney The barrier standing between you & what youre truly capable of isnt lack of info, ideas or techniques. The secret is 'do it'
  • kayannie
    kayannie Posts: 705
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
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    I still remember taking DD1 to uni 120 miles from home & the feeling of loss when I left her there. Then did it all over again with DD2, only 120 miles away in the opposite direction!

    Good luck to your daughter, and I hope you cope OK today.

    KA

  • Cherryfudge
    Cherryfudge Posts: 15,723
    Part of the Furniture 10,000 Posts Name Dropper
    Forumite

    Sending hugs.

    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 21/3/22
  • ellenvan
    ellenvan Posts: 534
    500 Posts Fourth Anniversary Name Dropper Photogenic
    Forumite

    Hop you managed the uni drop off okay.

    I remember our youngest couldn't wait for us to leave.

    I held it together until back in hotel. Then had a good holiday to break things up before coming home.

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