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  • FIRST POST
    • Mooloo
    • By Mooloo 1st Jan 19, 2:36 PM
    • 10,543Posts
    • 54,198Thanks
    Mooloo
    I will cut my coat according to my cloth. Mooloo 2019
    • #1
    • 1st Jan 19, 2:36 PM
    I will cut my coat according to my cloth. Mooloo 2019 1st Jan 19 at 2:36 PM
    As I am a Seamstress, and this year is about my sorting out my life and changing my direction, finally loosing the family debts etc perhaps the title is the most apt I can come up with this year.
    Here is to 2019 and a frugal year to change my direction so that I can rebuild my dreams in the next year.
    When I die I will know that I have lived, loved, mattered and made a difference, even if in a small way.
Page 1
    • jackieblack
    • By jackieblack 1st Jan 19, 2:48 PM
    • 8,647 Posts
    • 13,908 Thanks
    jackieblack
    • #2
    • 1st Jan 19, 2:48 PM
    • #2
    • 1st Jan 19, 2:48 PM
    I have subscribed and will, once again, be following with interest
    2.22kWp Solar PV system installed Oct 2010, Fronius IG20 Inverter,
    south facing (-5 deg), 30 degree pitch, no shading

    Quidquid Latine dictum sit altum videtur

    MFW #4
    (2018 £866.89 OPd)
    2019
    Jan £105.26, Feb £103.31,Mar £135.77, Apr £104.51, May £50

    • pollyanna 26
    • By pollyanna 26 1st Jan 19, 3:10 PM
    • 2,804 Posts
    • 26,126 Thanks
    pollyanna 26
    • #3
    • 1st Jan 19, 3:10 PM
    • #3
    • 1st Jan 19, 3:10 PM
    Happy new thread Mooloo with a very fitting title as you plan the coming year . Here in the North we say cut your cloth according to your measure . As an experienced seamstress you will know the reason for measuring at least twice before cutting out .



    Using that advice it would be useful to give yourself a day or so before reacting to any requests from family on the spur of the moment and think things through first .


    I hope you manage to sort something about the HGV course loan . It does seem out of order that you can be landed with loan repayments if the wrong information has been given re the location of the health assessment . I imagine EE will be able to give you good advice it's worth reading the terms and conditions of the loan agreement you signed when you get home to check the small print .


    I hope you manage to get a little enjoyment from the rest of your holiday . I've had a few thoughts re your mum so will either post later or tomorrow . Meanwhile I'll subscribe and lets hope despite the challenges re the shop etc the year ahead will be kinder .


    pollyx
    • ognum
    • By ognum 1st Jan 19, 3:19 PM
    • 4,716 Posts
    • 7,693 Thanks
    ognum
    • #4
    • 1st Jan 19, 3:19 PM
    • #4
    • 1st Jan 19, 3:19 PM
    Good to see your new thread, hope it brings positivity this year.
    • Tescodealqueen
    • By Tescodealqueen 1st Jan 19, 3:22 PM
    • 698 Posts
    • 3,995 Thanks
    Tescodealqueen
    • #5
    • 1st Jan 19, 3:22 PM
    • #5
    • 1st Jan 19, 3:22 PM
    Subscribed and hope that you can find a way to get to your dream life
    • Little Miss Winner
    • By Little Miss Winner 1st Jan 19, 3:40 PM
    • 4,027 Posts
    • 136,176 Thanks
    Little Miss Winner
    • #6
    • 1st Jan 19, 3:40 PM
    • #6
    • 1st Jan 19, 3:40 PM
    Subscribed. Happy New Year Mooloo, and all others posters xx
    • candygirl
    • By candygirl 1st Jan 19, 3:50 PM
    • 27,367 Posts
    • 116,390 Thanks
    candygirl
    • #7
    • 1st Jan 19, 3:50 PM
    • #7
    • 1st Jan 19, 3:50 PM
    Happy New Year MOOLOO.Onwards n upwards hun xx
    "You can't stop the waves, but you can learn to surf"

    (Kabat-Zinn 2004)
    • Mooloo
    • By Mooloo 1st Jan 19, 4:55 PM
    • 10,543 Posts
    • 54,198 Thanks
    Mooloo
    • #8
    • 1st Jan 19, 4:55 PM
    • #8
    • 1st Jan 19, 4:55 PM
    Looking at my SOA.
    Eek.
    I can't do anything about it here, as I don't have access to my savings out here. But I will be using it all to pay off the credit card that I have to pay interest on first. The charges for the toll roads and the hire car test transaction will go on and hopefully come off in the next few days.
    When that is all settled then I will clear that card completely.
    The sum total of the debts are an eye watering £13,040.72
    The sum total that I raised when I cashed in my pension and added my savings was £8,000 so I will still have £5,040.72 of debt. I should also be able to clear all but £120 on a second card so the £5,000 left will be all on one card. At the moment that is currently on 0% transfer. So I will be throwing all my spare cash at that. If I pay the same amount each month £200 that I pay ( with some of that coming from Biggest), I should be cleared in 24 months ( and probably less if I work hard).
    I had a payment from DS of £100 today, a surprise payment for the HGV going out tomorrow. I have to confess I am amazed.


    My essential spends will be my first target. I will need to cut the overspending down and one place that I know will be possible is cancelling my sky TV. The new TV has free play or something like that. I don't know exactly how much I will save as my Sky is a tv, telephone and internet package. But it should be reduced by about £20 I would guess.
    I will try to re visit the grocery challenges, and cut my food spending. Making more of an effort to cook from scratch and batch cook. Although I gave away my chest freezer just before Christmas to someone in need. So I will not be able to stock pile.
    What I really would like to do is clear the money in 12 months.
    Then I can put the money away into savings again afterwards.
    But I will need to be strong and remember the No's etc from my previous thread.
    I reckon I can have my dreams back on track by my 60th Birthday.still giving me 7 years in the workplace.
    I will not be able to cut car costs, as I hardly drive it anyway, but I still need to get to Mum every week.
    I may have to give up my personal mobile phone account and just use the business one. But not until I know how to save everything first. But that would save me £27 ish a month.
    I also have a sewing magazine subscription that to be honest I really don't need, as I could probably write the contents of them myself!
    So that's about £19.99 a quarter.

    I think I feel more in control now I have done my SOA and I have a mission plan to stay within my means and debt bust.

    With the business I have a few harder challenges to get through.
    I still have my shop contract until the end of August. So I will still have to work at it, but I want to put more effort into cutting my costs, increasing my profit and leaving the shop with my next stage of the business/work life in place.
    It is going to be a busy time.
    When I die I will know that I have lived, loved, mattered and made a difference, even if in a small way.
    • Red-Squirrel
    • By Red-Squirrel 1st Jan 19, 6:29 PM
    • 4,073 Posts
    • 11,003 Thanks
    Red-Squirrel
    • #9
    • 1st Jan 19, 6:29 PM
    • #9
    • 1st Jan 19, 6:29 PM
    Hi, not sure if youíre aware but there is a diary section in the debt free wannabe board that might be a better place for this? Iím sure a board guide would be happy to move it?
    • Mooloo
    • By Mooloo 1st Jan 19, 7:01 PM
    • 10,543 Posts
    • 54,198 Thanks
    Mooloo
    Hi, not sure if youíre aware but there is a diary section in the debt free wannabe board that might be a better place for this? Iím sure a board guide would be happy to move it?
    Originally posted by Red-Squirrel
    Yes I am aware. The reason I am in the Family, relationship section is because in 2007 when I started it was about my relationship with my family. The costs it has encurred.
    I still believe that my situation is family and relationship based.
    Maybe next year it will just be a debt free one. But I still believe that this will still be family dependent
    When I die I will know that I have lived, loved, mattered and made a difference, even if in a small way.
    • beanielou
    • By beanielou 1st Jan 19, 7:49 PM
    • 63,232 Posts
    • 278,061 Thanks
    beanielou
    Happy shiny new diary
    Wishing health & happiness to you in 2019 & more financial security xx
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
    • JIL
    • By JIL 1st Jan 19, 9:28 PM
    • 3,958 Posts
    • 22,746 Thanks
    JIL
    I hope it's a multi coloured dream coat, as I think you deserve it.
    Wishing you all the very best for the new year.
    • Eager_Elephant
    • By Eager_Elephant 2nd Jan 19, 6:15 AM
    • 4,577 Posts
    • 27,150 Thanks
    Eager_Elephant
    Have subscribed - here's to a fab 2019!!!!
    • Mooloo
    • By Mooloo 2nd Jan 19, 8:37 AM
    • 10,543 Posts
    • 54,198 Thanks
    Mooloo
    I am just waiting for Ryanair to pay my expenses from the summer. The information says 10 working days. But I don't know how many of the last 12 days were classed as working days.! When I do get it, it will go towards the bills anyway.
    Funds are low because I have not been working and cannot pay myself at the moment. But at least DS paid me the money for the HagV yesterday.
    I must remember to record it on the spreadsheet when I get home tomorrow.
    I am glad we have finally come to the end of this holiday. I have seen more of the bedroom than I have of Portugal.
    I will have to remember that next year when we are planning Christmas!
    I think an apartment holiday where I can cook would be better for Mum, something with a sitting room and bedroom, and a balcony to get fresh air.
    Certainly no hills, or walking around! Maybe she will accept it if we bring her wheelchair out of storage! Because I think she needs it again.

    I am definitely ready to go home now.
    When I die I will know that I have lived, loved, mattered and made a difference, even if in a small way.
    • Mooloo
    • By Mooloo 2nd Jan 19, 9:00 AM
    • 10,543 Posts
    • 54,198 Thanks
    Mooloo
    Good gracious! Biggest has also paid me £300 towards her debt. So that's gone straight off of the credit card.
    I might get the debts paid off in 12 months if she manages to pay the same each month going forward.
    Maybe things are looking up after all!
    When I die I will know that I have lived, loved, mattered and made a difference, even if in a small way.
    • Savvy_Sue
    • By Savvy_Sue 2nd Jan 19, 10:23 AM
    • 39,808 Posts
    • 37,047 Thanks
    Savvy_Sue
    Might I suggest that rather than expressing surprise to the offspring that they have paid anything, you acknowledge that they have done what was agreed ...

    By all means express surprise here - we're all surprised! - but make it an assumption to them that they'll pay their debts.
    Still knitting!
    Completed: 1 adult cardigan, 3 baby jumpers, 3 shawls, 1 sweat band, 3 pairs baby bootees,
    1 Wise Man Knitivity figure + 1 sheep, 2 pairs socks, 2 hats, 2 balaclavas for seamen, 1 balaclava for myself, multiple poppies, 3 peony flowers, 4 butterflies ...
    Current projects: ready to decrease / decreasing on all parts of the mohair cardigan pattern! but moved onto wrist warmers for friends at Christmas ...
    • candygirl
    • By candygirl 2nd Jan 19, 10:27 AM
    • 27,367 Posts
    • 116,390 Thanks
    candygirl
    Might I suggest that rather than expressing surprise to the offspring that they have paid anything, you acknowledge that they have done what was agreed ...

    By all means express surprise here - we're all surprised! - but make it an assumption to them that they'll pay their debts.
    Originally posted by Savvy_Sue
    Good advice !
    "You can't stop the waves, but you can learn to surf"

    (Kabat-Zinn 2004)
    • pollyanna 26
    • By pollyanna 26 2nd Jan 19, 11:35 AM
    • 2,804 Posts
    • 26,126 Thanks
    pollyanna 26
    Your plan for the year ahead sounds good . I agree with Savvy Sue and would acknowledge the payments from Biggest and your son with the firm expectation that this is what they must do each month until their debt to you is cleared .


    No mention of any future plans of yours to build up savings etc once your finances are on an even keel . Keep in mind you've had to cash in a pension pot to pay off part of their debts to you . If your son is receiving any form of means tested benefit he will be getting credits towards a basic pension . Biggest will get similar through work or her husbands work .


    As long as they are aware the bank of mum is no more things should be less stressful . It was worth you having to get your point over that you can no longer bail anyone out financially .


    You've actually said the things I was thinking about your mum . I had to accept when I was nearing 50 that due to the arthritis x2 and fibro a lot of the things I used to do had to be managed differently . My eldest dd has lived in various parts of the UK with her work . A number of times a year we would spend a week together either in the Scottish Highlands , Yorkshire etc depending on where she lived at the time .


    We share a lot of interests have always been quite athletic and loved being outdoors . It began to dawn on me that whether it was the cobbled streets in York , the slopes in Edinburgh Zoo , walking through Bronte Country I was struggling to keep up and as my youngest daughters physical health worsened so was she .


    A big part of the problem was the actual travel first to her home and then to different destinations . I ended up telling my dd I couldn't be up with the lark every morning as I used to, have a very early breakfast and be out and about all day . She did come to accept some compromise was needed and things became easier .


    Your idea of an apartment next time is good with more flexibility . It's a shame you haven't been able to let your hair down a bit this time but if things go well paying down the debt you may be able to have a trip with dgd later in the year . You'll be able to swim with her and get out and about .


    I'm another who thinks your mum doesn't need an outside cleaner . Being able to potter around keeps her feeling a degree of control over her life . I know it's necessary in some circumstances and there are good as well ad bad cleaners but privacy and a sense of coping are very important . It sounds as though your company on Wednesday matters to her and is part of her routine .
    pollyx
    • beanielou
    • By beanielou 2nd Jan 19, 2:42 PM
    • 63,232 Posts
    • 278,061 Thanks
    beanielou
    Great news on the debts being repaid.
    Long may it continue
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
    • Mooloo
    • By Mooloo 2nd Jan 19, 9:19 PM
    • 10,543 Posts
    • 54,198 Thanks
    Mooloo
    Time for bed . We are all packed etc.
    I am going to be so glad to get home.
    When I die I will know that I have lived, loved, mattered and made a difference, even if in a small way.
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