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  • FIRST POST
    • Moneyfordreams
    • By Moneyfordreams 5th Nov 15, 11:32 AM
    • 1,631Posts
    • 7,558Thanks
    Moneyfordreams
    In the nick of time
    • #1
    • 5th Nov 15, 11:32 AM
    In the nick of time 5th Nov 15 at 11:32 AM
    Updated December 2019

    2013 I had to re-mortgage to my name only to pay off husbands business debts. It was all traumatic and expensive. Probably >120k loss. We took a lodger, did Airbnb, and eventually sold the big house for a loss in 2018.
    He's on a lower income than me and during times of immense mistrust I took on everything financial. None of it malicious, however the healing took years really. He does wait on me hand and foot these days. In fact not just on me but our girls too, DD1, DD2 and GD.

    Our new house needed a lot of updating. In the first 18months we have spent 30k We still have a kitchen to replace then windows in a year or two.

    OH gets about 200 pcm pensions plus 900 wage, of this 300 is saved this year into share schemes. I'm also saving in S&S ISA . He does like to have 400 pocket money though.. mmmmmm the upside is his wages get paid into my bank account. He does do some shopping and buys his own beer mostly His petrol will be around 60-80 per month.

    I have a fairly good job and have always worked extra hours. The aim was to retire at 55 years and have all of the debts / mortgage paid off. Realistically I will probably work until 58. OH is 11 years older than me so I don't want to leave it too late.

    We trimmed our expenses years ago. We have the occasional slip up and overspend but most of our shopping is at lld1 and Aldi. We like nice things so only buy what we need. I think holidays and short breaks may well be our weakness.

    Sold house March 2018

    NEW HOME page 32 , May 2018

    KEY DATES
    Can access work pension 2025 (55 years)
    Have very small 2k private pension to close 2025
    DH state pension 2025, plus current pension of 200 pcm
    DH shares can be accessed from June 2020 and 2021but aim to cash them 2025
    my state pension 2037
    Official mortgage end 2032

    Mortgage OP
    June 2018 - May 2019= 540.21

    First Direct OPs
    Aug -Dec 19 = 81.76

    Jan 20 8.88

    Long term savings shares/ISA (without interest/growth)
    Me
    Dec 1973 over 2 accounts

    OH SM shares
    June 2018 1200 + 200 = 1400
    July 2018 +200 = 1600
    August +200 = 1800
    September +200 =2000
    October +200 = 2200
    November +200= 2400
    December xmas month off

    Jan 2019 200 = 2600
    Feb 2019 200 =2800
    March 1st 2019 200 = 3000
    March 28th 2019 200 = 3200
    April 26th 2019 200 = 3400
    May 24th 2019 200 = 3600
    June 21st 2019 300 - 3900
    July 19th 2019 +300- 4200
    August 16th 2019 +300= 4500
    September 13th + 300 =4800
    October 11th +300 = 5100
    November 8th + 300 = 5400

    Jan 20 + 300 = 5700
    Last edited by Moneyfordreams; 03-01-2020 at 10:29 AM. Reason: updates
Page 52
    • TallGirl
    • By TallGirl 4th Dec 19, 12:42 PM
    • 4,543 Posts
    • 9,374 Thanks
    TallGirl
    Oh dear just don’t agree to dog sitting as well she’ll have to keep the puppies for 11 weeks before they can be sold I can also see the expenses racking up.

    You’re lucky re the carpets I wish I was ready for that yet really makes such a big impact on a room.
    • Moneyfordreams
    • By Moneyfordreams 6th Dec 19, 4:45 PM
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    • 7,558 Thanks
    Moneyfordreams
    she did ask me to be midwife !!! Thank good we've dodged that bullet for a bit

    The hall stairs and landing now look lovely. I still have to get picture rail and the earlier mentioned electrics sorted out (23 x2 therefore triple cost from standard size )

    I could do with putting an extra coat of paint on each door, 10 sides. We still need to trim around the hearth (18mnths after new hearth fitted) But really this is it for now . We need a new kitchen and appliances next year. I NEED to save for these and pay down debt. I would also love professionals to come in and clean our sofa now we are not a building site. I have laundered the covers once even though it's not recommended. but the sides look in need.

    I've accepted more money has been spent/promised this month than I had hoped. GDs carpet will be 90. We're gifting the 100 to DD2, to fund her driving lessons and test (not her xmas night out with nails and tan ) then it will be token gifts for all 3 girls in our lives making gifts a bit more balanced. (DD1 had her MOT/service to cover her xmas an birthday)

    Slight windfall though, OH gets paid 4 weekly (13 pay days). We don't pay into savings from his salary in December, That 300 reallocated to him,DD2 and logs. Working out the household bills, going forward, the next water and council tax is due after his next pay date . I don't want to spend this. It just makes things look healthier

    DD1 has said we do not need to go to GDs 6th birthday party next weekend as we are both on nights. We will see her on her birthday midweek. It's a relief really. more likely she wants to keep peace as GDs dad will be there.

    Last night was my 1st night of the December marathon. Todays sleep was rubbish as next door appear to be drilling hammering and decorating... We cannot complain can we. They had tolerated our disruption well.

    nearly forgot... road tax came. 0 ... glad not to give those gov.uk any more than I have to
    Mortgage restart June 2018 119950
    Re mortgage August 19 110470, HSBC 3000cc, Hfx 6500, NW 5150 M&S 1100,
    CC 16150 Mortgage 107900
    plus car 6000 , it's coming down
    • Moneyfordreams
    • By Moneyfordreams 9th Dec 19, 2:54 PM
    • 1,631 Posts
    • 7,558 Thanks
    Moneyfordreams
    Night shifts completed until Thursday

    it's almost time to make our home festive. I say almost as I want OH to get the decs out of the loft. I also want a real tree in the front room again. I will have to shuffle furniture to make it fit. I moved a console table into the alcove a couple of months ago which looks nice, therefore I will have to swap the sofa from the bay to the chair to make room. The chair is too close to the radiator for a real tree Our neighbourhood is lit up at night and twinkling. I want to get in on the act

    OH has fitted GDs carpet this am. He's a bit overwhelmed. The bed DD1 wanted him to assemble for GD is a not only a cabin bed, it has a wardrobe and draws. The pieces list from A-Z and he says it has 1500 screws ( I hope he's exaggerating ) . He has warned DD1 he will likely need tomorrow too to complete it. He's holding out well... he didn't sound a bit cross when I spoke to him

    Its GDs birthday on Wednesday. I wanted to get one or two little cheaper gifts likely from poundland. We are paying for the carpet much to her distaste (boring.... she will be 6 ! ) I did grab a lego from Lid1 a few weeks ago. … She's got a larger lego set for Xmas.. .she won't be at all impressed. I will grab her a ream of paper for drawing. She's exhausted my supply. DD1 has gone overboard... She thinks she's sorted her debts as they are interest free or delayed payments. I have reminded when her 6 month period ends she will still have them. Unfortunately she's not getting the message. I think she's still holding out for miracle puppies in a few months to take the load off her. I need to grab her a little something extra too.

    I received my D3benhams order this am after placing it 7pm Saturday. Bras for DD2 ( 20% off)
    I'm waiting for OH trainers to arrive. I would imagine if I'm careful I can get away with 100 spend.
    Mortgage restart June 2018 119950
    Re mortgage August 19 110470, HSBC 3000cc, Hfx 6500, NW 5150 M&S 1100,
    CC 16150 Mortgage 107900
    plus car 6000 , it's coming down
    • Moneyfordreams
    • By Moneyfordreams 10th Dec 19, 9:45 AM
    • 1,631 Posts
    • 7,558 Thanks
    Moneyfordreams
    We watched Elizabeth is Missing last night on catchup ( BBC) oh my word , Glenda Jackson is amazing as a woman who has dementia and is searching for her friend. Its very emotive for me. I've woke up crying again this morning .

    I've not mentioned my mum for a while, through guilt or shame for not being more involved . She was diagnosed with vascular dementia 21/2 years ago and needed full time care. prior to that we were all muddling through. She went from a normal elderly grandma and managing chronic diseases such as heart failure and asthma, to searching for her mum and babies in about 4 months. Because of her rapid decline her life expectancy was only weeks. Anyhow she's been living with a sister who I have no contact with. My sister is quite controlling and we fell out when my dad died 14 years ago. I have many siblings, and there are lots of difficult relationships among us all. My other sister who lives in the middle east sends messages and pictures, but I haven't seen her for 18 months. I know she is looked after well by the sister who is looking after her. I cannot bring myself to go over her doorstep. Middle east sister is due home next week I really hope we can figure something out then, although she was home in the summer we only manged a video call. She not missing me as she somewhere in the 1950s..

    Anyhow, she's never far from my thoughts. She never wanted to live with my sister when she was lucid. She knew it would split the family in 2. This really was the better option form a NH. I wanted to use her savings to pay for a night carer as an employee, and some daytime care... then even equity release. But she's still here so her care must be good which is reassuring.

    The house renovations have certainly kept me busy. Next year I am hoping to start my MSc. That will definitely diverts my attentions. I have my interview for it next week

    Bit of a brain dump there x
    Mortgage restart June 2018 119950
    Re mortgage August 19 110470, HSBC 3000cc, Hfx 6500, NW 5150 M&S 1100,
    CC 16150 Mortgage 107900
    plus car 6000 , it's coming down
    • Moneyfordreams
    • By Moneyfordreams 11th Dec 19, 3:42 PM
    • 1,631 Posts
    • 7,558 Thanks
    Moneyfordreams
    I did a bit more Christmas shopping yesterday. A new outfit for GD and for me I treated myself to a dress from River !sland. 36 , to wear for the interview and the big day. GD is a big 6 today. U+I went to her nativity yesterday and there has been a 2nd performance today. She's on her way now for her present

    I succumbed to OT tonight as other staff are sick. January's pay will be fabulous
    Mortgage restart June 2018 119950
    Re mortgage August 19 110470, HSBC 3000cc, Hfx 6500, NW 5150 M&S 1100,
    CC 16150 Mortgage 107900
    plus car 6000 , it's coming down
    • newgirly
    • By newgirly 12th Dec 19, 8:45 AM
    • 7,008 Posts
    • 48,050 Thanks
    newgirly
    Sorry to hear about the situation with your mum, it must be upsetting for you. It sounds like she is lucky to be cared for by your sister and you are happy with the care she is getting which is the main thing. But don't beat yourself up as it very clear from your diary now that you spend all of your time working hard, then coming home to do renovations, as well as taking care of everyone else in the family in the small amounts of free time you do have. I couldnt do what you do you must be exhausted!

    Take care of yourself
    MFW 38

    2020 start bal:73,119, current bal: 73,119 target 18,000, opd
    • Moneyfordreams
    • By Moneyfordreams 12th Dec 19, 5:54 PM
    • 1,631 Posts
    • 7,558 Thanks
    Moneyfordreams
    Thanks NG, Mum guilt replaced working mother guilt. I was the offspring who was local for both parents an have been involved all of my adult life. I comfort my self that the sister she lives with only came back to the area aged 40. I felt quite emotional last week but put it down to the normal hormone fluctuations... This week though I think It's December January will be different.

    Work has been so busy. My role is quite specialised, however I can slide over to the general side when needed. With no one in in my team the other night the Qs were very long. I worked my socks off last night and did make a difference I've got to do it all again until the early hours of Monday. I'm taking a couple of hours back then, to prepare for my interview.

    I did my big Christmas shop yesterday. OHs place of work. He gets 10% staff discount that we rarely use as I shop in Ald1 or l1dl. A couple of times a year he gets double discount. I went in twice as I only use small trolley my 1st 20% off was 32 and then 18... amazing :

    DD2 didn't pass her driving test today she's quite upbeat... her instructor believes she's been wronged, parallel parking? over a drive and she didn't recognise the kerb. Saved me a fortune as last night for the 1st time she asked if she could go on our car insurance
    Last edited by Moneyfordreams; 12-12-2019 at 5:56 PM.
    Mortgage restart June 2018 119950
    Re mortgage August 19 110470, HSBC 3000cc, Hfx 6500, NW 5150 M&S 1100,
    CC 16150 Mortgage 107900
    plus car 6000 , it's coming down
    • newgirly
    • By newgirly 13th Dec 19, 7:36 AM
    • 7,008 Posts
    • 48,050 Thanks
    newgirly
    Good luck for the interview
    MFW 38

    2020 start bal:73,119, current bal: 73,119 target 18,000, opd
    • Moneyfordreams
    • By Moneyfordreams 13th Dec 19, 4:58 PM
    • 1,631 Posts
    • 7,558 Thanks
    Moneyfordreams
    thanks . I've only done a bit of study. Was told it was only to see how many heads we have got, but still, I don't want to be caught out. The overtime the other night wasn't the best idea have had. Tonight I will have a colleague with me to share the load. hopefully I will get an hour or 2s work in.

    When I got home this am OH wanted to got Xmas tree shopping. We went a bit further than norm to a nice garden centre rather than market gardens. We picked one really quickly for a change. They didn't have a stand. OH is now chiselling away at the trunk trying to make it fit into an old stand. This is were we have an annual row... He gets fed up, I get fed up. I'm trying to ignore him sighing.
    Mortgage restart June 2018 119950
    Re mortgage August 19 110470, HSBC 3000cc, Hfx 6500, NW 5150 M&S 1100,
    CC 16150 Mortgage 107900
    plus car 6000 , it's coming down
    • Moneyfordreams
    • By Moneyfordreams 16th Dec 19, 5:00 PM
    • 1,631 Posts
    • 7,558 Thanks
    Moneyfordreams
    My days off have arrived at last.
    house is blinged up for Christmas
    Interview was more of a meeting. Start date mid January.
    I'm short on school qualifications. I will have to do Maths and English during the next 3 years too my previous degree or masters L7? modules not enough. some kind of module rather than gcse thank goodness
    DD2 wants me to pick her up so she doesn't walk 10 minutes from the station
    OH trainers have gone missing from Debnh@ms order
    said will send new pair
    I have a make your own xmas jumper kit from land a couple of years ago. GD needs a xmas jumper for Wednesday

    We didn't attend Gds birthday party as (ex)bF was going. plus we were both on nights. DD1 was so stressed Saturday that OH got up early (he wasn't working last night) to help make food. They made so much that DD1 ended up taking leftovers to the next town's homeless shelter. Then GDs daddy (ex)bf, didn't turn up GGRRR. I can't wait for him to get a girlfriend and stay out of DD1 world..

    We were going to go out this pm, but decided to stay in and save money. DD1 2nd hand washer we bought her in January has broken. She on her way back with extra washing
    Mortgage restart June 2018 119950
    Re mortgage August 19 110470, HSBC 3000cc, Hfx 6500, NW 5150 M&S 1100,
    CC 16150 Mortgage 107900
    plus car 6000 , it's coming down
    • newgirly
    • By newgirly 17th Dec 19, 8:27 AM
    • 7,008 Posts
    • 48,050 Thanks
    newgirly
    Congratulation mfds
    MFW 38

    2020 start bal:73,119, current bal: 73,119 target 18,000, opd
    • Moneyfordreams
    • By Moneyfordreams 17th Dec 19, 9:30 AM
    • 1,631 Posts
    • 7,558 Thanks
    Moneyfordreams
    Thanks it will be loads of work, but it feels more real now. I'll have to go back to working a 5 day week most likely, one being for study 80/20 rule. When the team changes happen, which won't likely be for months, I will probably stop working nights which will mean a bit less pay. I will embrace it …. It will be the push to pay down these cards while I can.
    Mortgage restart June 2018 119950
    Re mortgage August 19 110470, HSBC 3000cc, Hfx 6500, NW 5150 M&S 1100,
    CC 16150 Mortgage 107900
    plus car 6000 , it's coming down
    • Moneyfordreams
    • By Moneyfordreams 19th Dec 19, 7:40 AM
    • 1,631 Posts
    • 7,558 Thanks
    Moneyfordreams
    My days off have been marred with a stinking cold. I was going to visit my older brother yesterday, but seen as he's been in hospital twice with heart failure I cancelled my visit.

    I hoping I don't get much worse. I'm due on nights from tonight until Monday. I haven't had sick time for almost 2 years and this is likely to be a busy weekend. Sleep was shocking last night 4 hours. I was up at 5 to start the day. (gravity helps with the stuffiness ) I'm also hoping by 3pm I'll be tucked back up in bed to get a pre work nap

    Payday tomorrow. OT is include Were as usually we would get a top up shop, we need THE Christmas shop. I did half of it last week. Will get more we have run out of laundry detergent otherwise I would leave it. I'm going to bite the bullet

    Both girls have had extra cash off me in the last few months, however I feel mean with their little present piles. I'm still waiting for an online order to pad things out a little.
    Mortgage restart June 2018 119950
    Re mortgage August 19 110470, HSBC 3000cc, Hfx 6500, NW 5150 M&S 1100,
    CC 16150 Mortgage 107900
    plus car 6000 , it's coming down
    • newgirly
    • By newgirly 19th Dec 19, 7:47 AM
    • 7,008 Posts
    • 48,050 Thanks
    newgirly
    Hope the cold clears up quickly so you can cope at work mfds x
    MFW 38

    2020 start bal:73,119, current bal: 73,119 target 18,000, opd
    • Moneyfordreams
    • By Moneyfordreams 19th Dec 19, 1:31 PM
    • 1,631 Posts
    • 7,558 Thanks
    Moneyfordreams
    thank you NG, I'm wrapped in a blanket drinking peppermint tea after my morning shopping. I managed a few good half price items in Aldi... that rarely happens in our local store whole chicken 1.35, 2 Cod loin 50%, and bread and rolls. I'm having to cook the chicken as there is no room in the freezer !!!
    Mortgage restart June 2018 119950
    Re mortgage August 19 110470, HSBC 3000cc, Hfx 6500, NW 5150 M&S 1100,
    CC 16150 Mortgage 107900
    plus car 6000 , it's coming down
    • jodles16
    • By jodles16 19th Dec 19, 5:28 PM
    • 1,472 Posts
    • 4,448 Thanks
    jodles16
    Well done on the job! Sounds like you have been super busy, no wonder ou have gotten poorly you poor thing! I hope the nights flyby and you are all better for Christmas!!


    Jodles
    MFW2020 #115 250/3000 J-250
    1% challenge- /1525
    Save 1k in 2020- /3000

    Joining in UberFrugalMonthChallenge set up by the Frugalwoods!
    • Moneyfordreams
    • By Moneyfordreams 22nd Dec 19, 2:45 PM
    • 1,631 Posts
    • 7,558 Thanks
    Moneyfordreams
    HI Jodles ,
    My night shifts usually fly by but feeling under the weather has made me miserable... I actually felt my old self about 4am and cheerful... thankfully. So I will go to work tonight feeling positive not martyr-ish 8pm til 4am, only 8 hrs not 11

    A parcel from @sos missing. tomorrow will be 7 days so I can chase it then only token gifts in but I don't want to spend more replacing them. I want to sit on my happy little pots of cash and stare at them in full without them dwindling

    DD2 appears to be going overboard with gifts. I'm just worried I'll have to loan her money again when she runs out

    Being in work mode all week and in a head cold fog, I need to see what I need to buy to get through. I think we have it all.... maybe we need wine and a dessert. I'm the only one who likes xmas pud but we are always too full to eat it
    Mortgage restart June 2018 119950
    Re mortgage August 19 110470, HSBC 3000cc, Hfx 6500, NW 5150 M&S 1100,
    CC 16150 Mortgage 107900
    plus car 6000 , it's coming down
    • Moneyfordreams
    • By Moneyfordreams 24th Dec 19, 9:05 AM
    • 1,631 Posts
    • 7,558 Thanks
    Moneyfordreams
    This cold seems to have revisited this morning. I'm hoping being upright will help shift the stuffiness. I have a sticky eye too urrrrggggh

    Anyhow, OH been and bought more food I went and bought more presents I got mum some jaegar tights and a nice scarf from TKm, DD2 a brush hair styler. DD1 a carry on suitcase. DD1 has a dozen work trips this year overnighters and her previous case we bought for her when she was about 17. so 8 years ago.

    All the present joy and warmth was sucked out of me when she asked me to loan her money for a dress to a ball !! I know.... 2020 I WILL be saying no . I feel that we have finished our shopping, I have paid all the ccs and utilities that are not on DD. for me it will be top up shops and petrol in January.

    We have 2 older sets of lights on the dining room tree, one set has blown the main bulb. None to be had at the shops my OH went to this am so I will move the others around later.

    My sister and niece are supposed to be visiting for a cuppa this afternoon. GD is due shortly for us to watch her while DD1 is making peoples hair pretty. . ooo I may walk to co-op to get a jar of mincemeat to make pies

    HAPPY CHRISTMAS EVERYONE

    Oh , Aso$ parcel did not arrive. They said give it to the end of xmas eve!!! anyhow I wont keep it. When Dbenhams didn't arrive they got onto herms and sent an immediate replacement. The 32 will go towards my overspend yesterday
    Last edited by Moneyfordreams; 24-12-2019 at 9:46 AM.
    Mortgage restart June 2018 119950
    Re mortgage August 19 110470, HSBC 3000cc, Hfx 6500, NW 5150 M&S 1100,
    CC 16150 Mortgage 107900
    plus car 6000 , it's coming down
    • brizzlegirl
    • By brizzlegirl 25th Dec 19, 12:17 AM
    • 944 Posts
    • 6,347 Thanks
    brizzlegirl
    Grrr to kids wanting loans!!

    Well done on a great year of being MSE and have a fantastic 2020

    Brizzle x
    DFW - pay it ALL off in 2020 MFW..aim for Dec 2023 2020 Savings Rate - Goal 40% 2019 Savings Rate - Goal 40% 25% December 66% November 21% August Jan Goals: AFDs 05/25 Decluttering 06/60 LSDs 01/10 NSDs 01/05 Jan Exercise RT xxk xx/15 12k steps per day pls Aiming to be a true Frugalista!
    • brizzlegirl
    • By brizzlegirl 25th Dec 19, 12:23 AM
    • 944 Posts
    • 6,347 Thanks
    brizzlegirl
    And just read about your mum... just catching up, sorry. It’s hard but am sure you’ve made the right decision and, as you’ say, she seems to be in a good place.

    Hope 2020 is a good year for you and all the family
    DFW - pay it ALL off in 2020 MFW..aim for Dec 2023 2020 Savings Rate - Goal 40% 2019 Savings Rate - Goal 40% 25% December 66% November 21% August Jan Goals: AFDs 05/25 Decluttering 06/60 LSDs 01/10 NSDs 01/05 Jan Exercise RT xxk xx/15 12k steps per day pls Aiming to be a true Frugalista!
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