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Teetering on the brink

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Comments

  • EatingBeans
    EatingBeans Posts: 528 Forumite
    500 Posts Photogenic Name Dropper
    Budget restored, I checked through my fridge, freezer and cupboards and came up with a small shopping list and meal plan for the week. I pottered off up the road to fetch the bits I needed and then spent some time in the garden with each of the dogs in turn. 

    I’m still not 100% convinced that little dog has properly come into season yet but being her first season I haven’t got a benchmark for what is usual for her and while she is behaving a bit different and big dog is showing a particularly keen interest, I am taking no chances. 

    Now though, the tiredness has really hit. I did some washing up ready to start cooking and I couldn’t even finish it, let alone cook the roast dinner. dd2 said she might give it a go if she’s up to it, but since it has already gone 5pm, I’m thinking it might just end up being pizza for dinner. As it is, I could just skip the lot and go to bed now. 😕
    End of
    Dec-24
    Sep-25

    Brother

    5,400.00

    7,800.00
    Overdraft owed 1,349.90 0.00
    MBNA CC 10,534.20 11,481.53
    Barclaycard CC 9,667.21 9,662.17
    Fluid CC 0.00 1,046.44
    NatWest CC 12,018.14 11,705.36
    Aqua 0.00 1,127.94

    Total debt

    38,969.45

    42,823.44
    Paid off in the month 211.33
     

    Interested in my diary? Check out...
    https://forums.moneysavingexpert.com/discussion/6580468/teetering-on-the-brink/p1
     
  • Cherryfudge
    Cherryfudge Posts: 13,684 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Well done to your daughter!
    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
  • dawnybabes
    dawnybabes Posts: 3,488 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Congratulations to your daughter x 
    Sealed pot challenge 822

    Jan - £176.66 :j
  • Cherryfudge
    Cherryfudge Posts: 13,684 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Sorry to hear you're in pain. I hope the meds have kicked in and you got some rest if you needed it. How did your OH appointment go?
    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
  • badmemory
    badmemory Posts: 9,978 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    I cannot imagine having to go back to getting a monthly statement in the post & hoping that you hadn't messed up & missed something & got those overdraft charges stuck on there to mess up yet another month.  Thank goodness that never happened to me but I am a little anal.  I do find it easy to see how people landed in a mess just for forgetting one single thing though.  I cannot imagine going back to no online access.
  • EatingBeans
    EatingBeans Posts: 528 Forumite
    500 Posts Photogenic Name Dropper
    badmemory said:
    I cannot imagine having to go back to getting a monthly statement in the post & hoping that you hadn't messed up & missed something & got those overdraft charges stuck on there to mess up yet another month.  Thank goodness that never happened to me but I am a little anal.  I do find it easy to see how people landed in a mess just for forgetting one single thing though.  I cannot imagine going back to no online access.
    Oh I can totally understand how one mistake could snowball into charges upon charges and get people in a real mess. The stress of opening the statement must have been immense! 
    End of
    Dec-24
    Sep-25

    Brother

    5,400.00

    7,800.00
    Overdraft owed 1,349.90 0.00
    MBNA CC 10,534.20 11,481.53
    Barclaycard CC 9,667.21 9,662.17
    Fluid CC 0.00 1,046.44
    NatWest CC 12,018.14 11,705.36
    Aqua 0.00 1,127.94

    Total debt

    38,969.45

    42,823.44
    Paid off in the month 211.33
     

    Interested in my diary? Check out...
    https://forums.moneysavingexpert.com/discussion/6580468/teetering-on-the-brink/p1
     
  • Cherryfudge
    Cherryfudge Posts: 13,684 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Your OH lady sounds great, and clued up. I wonder if they could either move your desk or turn the air con off? WFH would obviously benefit you so I hope that can be arranged.
    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
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