Investing in Us: Holidays, Health, and the Road to £150k

debtfreewannabe321

I've already shared my concerns with the school and it was flagged to safeguarding before he started. I wasn't letting him go down there without that. I was married to that man, I know how controlling and manipulative he is ☹️. @KajiKita @Bargainhunter30 it wasn't flagged to SS though so that would be the next step. But as I don't know what's going on down there and DD really had nothing to report after her visit I don't want to make DS2 life any harder as I think he's already struggling. Just not sure what to do. 
@Greying_Pilgrim thank you too 💖

debtfreewannabe321

Afternoon all, 
I have had a long day at work. Yesterday was easy in comparison as it was my short day. I am feeling really tired this afternoon. I had just about got my energy to a good place where I was not yawning at all during the day whilst I was on holiday. And now I am back at work, two days in and I am yawning by lunch thankfully it is my day off tomorrow. 

Day off from the gym today too, I don't want to exhaust my energy to where it was before christmas. I also have ready made lasagna from m&s (YS ones) that we took out of the freezer earlier, I will make a salad to go with them but that is a nice easy dinner. I have been having awful tummy ache for a couple of days, and I have just found the likely culprit...my soya milk. It takes me months to get through one as I have about 10 drops in my tea each time and so DP smelt it for me as my sense of smell is not great and he was like ummm yes, don't drink that. We threw it down the sink and it was all lumpy 🤢 eww and didn't smell good. I have opened a new one and put half in a jar and frozen it and left half out.

I have been good today and said no to someone. I am not very good at that. I was asked to do a round trip to the airport to drop someone I don't know, for £100 (my friend asked me on behalf of them). I said no sorry not worth my time. It's a 6 hour round trip! Usually I would say yes then be chuntering about it for ages after doing it so well done me. I know it is a hundred quid but it would also be most of my day on Sunday given over to that. 

I spoke to work about the time off I need and it's all sorted and they will send me start times etc when they have organised inductions and stuff. The new lady and I start the same day although I won't be there because i'll be at the hospital. I have stopped apologising for it and realised, it is what it is, it's beyond my control that these things just happened to all be booked that one week. I over-apologise so often and so much 🙈 I need to stop doing that, It is like I fear being told off or something and so go way overboard over-explaining myself to people when they probably don't care.

Not a NSD but it was a LSD, spent £1.35 on a bag of crisps. Had a craving, and gave in. *shrugs shoulders* sometimes you just have to go with it. I broke my fast early today too. I have realised my ideal eating window is 11-7 rather than 12-8 so I have changed it today to that. On that note I best get the lasagna in the oven then so it's eaten before that 7pm cut off point  

debtfreewannabe321

Oh, and I forgot to say, I've had an email from work. I have to repay £400+ from my wages next month because they've overpaid me ☹️☹️☹️ ugh!!. So now my next pay pack will be tiny. We're hoping DP one has his new wages in and makes up for the loss of mine. So another tight month in February is what I'm foreseeing....by March (February paydays) we should be both on new wages and can start to save, pay for holiday, etc etc. and we will be in a better place financially. We have got a mini trip to Paris in February though so spending money may have to be put on CC..we will do a budget and see what's available later on in the month. So annoying. 

beanielou

Can they not take it back in instalments? 

redofromstart

I would ask if they could take it back in equal instalments for the rest of the tax year as it is their error and you spent it in good faith. 

daisy_1571

agreed, they shouldn't leave you short, it should be deducted in installment unless you want it all back in a oner of course

Dxx

Bargainhunter30

Yes agree, tell them you can't afford to pay it all back at once and they will take it over several months. So frustrating 

KajiKita

I’ve had that, but mine was £1200 overpaid! 😳
I did pay it back in one go, but only because I had it in savings (still gutting though).
I agree with everyone else - ask them to set up staged repayments. 

KK

debtfreewannabe321

Morning all, 

£1200 @kajikita 🙈😱 ouch! What they want from me is nearly half my wage though as I work part time however, DP will be getting his new wage this pay day so he can make up for what I lose so we will just take it as one hit so it's done and dusted. Annoying as it is. We won't be any worse off. That way February's payday is like our new year then and we can get on with savings/ holidays and a new shower room  

My day off today! Thankfully as feeling quite tired already, unsure how I will cope with full time but willing to try. I have in my mind a 60 month countdown, like a loan. I will attempt to get through 60 months of full time work so we have enough income to pay down the mortgage to an amount I feel comfortable with (ability to pay on one wage). That way it will give me a focus, it will also give me a huge goal to work towards and I feel more spurred on to do things with a goal in mind. I wasn't made for full-time, being chained to a desk type-work-life, so I will be on countdown from the minute I start.  

This morning I have cashed out £10+ from surveys, and filled out some surveys (for free) for a friend who's doing a dissertation. I had to pretend to be a physiotherapist *AI chat enters the room* I cheated as I didn't have the first clue about what the questions were asking me because I am not a physio I have to sign my contract now and send that back, also have a look at what was required for the banking switch payout, I think I need to move a few DDs over to it and deposit £1000 within a certain timeframe, and admin for today is done then. Then I will get myself dressed (been wrapped up in a dressing gown all morning lol) and go to the gym, do a short workout and get in the sauna. I don't have much else planned for today, feeling like it might be a wrap up warm, watch a movie, with some healthy snacks kinda day. DD is back to school now after a failed attempt yesterday, a pipe had burst and there was no heating so all were sent home. Same thing to the school around the corner and also one part of the college 😱 lots of frozen pipes! Tis very cold but snow nearly all gone now, although we are expected another lot tonight, we'll see though. We didn't really get very much snow the first time round and yet two schools closed and one area in college closed off. We're not designed for extremes of anything in this country are we. 
Right will finish that admin before I forget.

daisy_1571

Great plan to have a 60 month countdown.   I did this when I knew I was leaving, I had a spreadsheet with all the days, a counter of days left to work.  I used to play about with it, putting all my holiday days in so the counter would look a lot smaller 😅 then putting them all back to how it was otherwise I wouldn't then get the fun of seeing it reduce by a day every day.  It helped me summon the strength to stay longer on some days when I just wanted to log out and go home as I knew that if I could make up another day's flexi that would be a day I could knock off the spreadsheet and a whole day  I woukdn't have to come in 

I suppose the other thing is although at the moment you are banking on 60 full time months, you never know what will happen within those 60 months.   You could go part time again, compress your hours, get another job paying more so again part time might be an option, come into money (somehow  😆) and be independently wealthy (remember your virtual pals here 😀)

Dxx