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  • FIRST POST
    • Dorastar
    • By Dorastar 2nd Aug 17, 5:03 PM
    • 2,009Posts
    • 16,344Thanks
    Dorastar
    Starting over 2017
    • #1
    • 2nd Aug 17, 5:03 PM
    Starting over 2017 2nd Aug 17 at 5:03 PM
    Just as the title suggests really, starting over after the ugliest of years ever. Family illness, my own illness and now losing my job means it's time to start over.
    Need to do my SoA so that's the plan over the next few days and then tackle everything head on, interest only mortgage, negative equity, credit card, bank loan, Tesco loan and get a new job/career. It ain't gonna be pretty but we will get there. Wish us luck
Page 22
    • beanielou
    • By beanielou 22nd May 19, 7:44 PM
    • 63,636 Posts
    • 281,953 Thanks
    beanielou
    Great news.
    Very pleased for you
    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.***
    • Honeysucklelou2
    • By Honeysucklelou2 22nd May 19, 9:14 PM
    • 1,674 Posts
    • 8,497 Thanks
    Honeysucklelou2
    Fantastic news, at least it can make you feel settled for the new academic year and not having to find another school.
    paydbx2019 #93 793.95/10,100 .
    School trips 12691269..
    EF 310
    • Dorastar
    • By Dorastar 22nd May 19, 9:17 PM
    • 2,009 Posts
    • 16,344 Thanks
    Dorastar
    Yes, hate the unsettled feeling especially when everyone is talking about what they'll be up to & booking Christmas night out!
    Mr T 11026 Bank 524 Mortgage 160,000
    Emergency Fund 1000 Blanket squares 33/60
    3monthfund 5660.75/4737
    • Dorastar
    • By Dorastar 30th May 19, 2:33 PM
    • 2,009 Posts
    • 16,344 Thanks
    Dorastar
    Shuffled some more money around and done some planning ahead for the next few months. Trying to use up as little of the savings to get us through the bills over summer as one contract will end in July and the new one won't start till September, doubt I will get anything over summer. Been looking up student finance stuff too as the teen plans to go next September, so complicated to understand, with the added complication that my wages have been up and down the last few years.

    Enjoyed lots of lazing around and family time this week and have another week off next week when they're all back so I can really knuckle down to some school work and finally get all the household papers sorted. Want to see if we'd be better off re-arranging the Tesco loan with the bank at a much cheaper rate but not sure we'll be accepted because I'm on a temp contract.
    Mr T 11026 Bank 524 Mortgage 160,000
    Emergency Fund 1000 Blanket squares 33/60
    3monthfund 5660.75/4737
    • beanielou
    • By beanielou 30th May 19, 7:28 PM
    • 63,636 Posts
    • 281,953 Thanks
    beanielou
    Worth a try with the loan.
    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.***
    • Dorastar
    • By Dorastar 31st May 19, 1:36 PM
    • 2,009 Posts
    • 16,344 Thanks
    Dorastar
    Had a look at the figures and it should be possible to re-arrange it from when I get paid in September, don't want to change it before then if I can avoid it as it means we'd owe a lot more in the months when I'm going to be on less or no pay if that makes sense. Plus the overall total will have gone down a bit by September. If they can't do it then at least we will have some sat in the three month pot still and can re-build it in case there is another job break next summer. So complicated but at least we have cleared a lot of the debts, so all good.

    Back to frugal eating next week too as we've had too many takeaways and eaten out way too much recently, which is bad for our budget and our waistlines!
    Mr T 11026 Bank 524 Mortgage 160,000
    Emergency Fund 1000 Blanket squares 33/60
    3monthfund 5660.75/4737
    • Dorastar
    • By Dorastar 1st Jun 19, 2:49 PM
    • 2,009 Posts
    • 16,344 Thanks
    Dorastar
    Busy night last night as husband ended up in A&E, turned out it was kidney stones which are incredibly painful. Hopefully this is a wake up call for him and us diet-wise as it's a big factor in reducing them in future. Not achieved much today apart from a bit of emergency food shopping to make sure we had food in that the kids could easily cook in case I had to stay at hospital with him. 18 for prescription and 9 for carpark (he was there from 4.30am - 3.30pm!) Ready for a serious nap now but off to visit my parents so a slow and careful drive over fairly soon.
    Mr T 11026 Bank 524 Mortgage 160,000
    Emergency Fund 1000 Blanket squares 33/60
    3monthfund 5660.75/4737
    • Dorastar
    • By Dorastar 7th Jun 19, 4:26 PM
    • 2,009 Posts
    • 16,344 Thanks
    Dorastar
    Tried to pay off bank loan but if we keep it as it is and pay it off as planned we get 60 cashback, so decided to do just that as we'd gain nothing by repaying early. Also managed to negotiate phone/TV/broadband down a bit for same package so that's a bit more we can hang on to each month.

    Had the decorating and fixing work done in the house and it looks loads better, just got to a quick clean and put the furniture back in place now. After a week of having everything 'away' elsewhere around the house and in the garage am reluctant to clutter the place up again. Already decluttered about 50 books and seeing if we can cut right back on ornaments next.

    Need to do a list of foods, menu plan and shop tomorrow especially as in-laws are coming for their birthday teas on Sunday.
    Last edited by Dorastar; 07-06-2019 at 4:39 PM.
    Mr T 11026 Bank 524 Mortgage 160,000
    Emergency Fund 1000 Blanket squares 33/60
    3monthfund 5660.75/4737
    • Dorastar
    • By Dorastar 15th Jun 19, 7:47 AM
    • 2,009 Posts
    • 16,344 Thanks
    Dorastar
    Busy times at work so not been money saving much, have lost bank internet code thing so got to nip and get a statement to check what's gone out this week, as we've had a lot of car spends recently - MOT, tyres, car tax, insurance so we might be a bit down this month but at least pay day is next Friday. Other half has been doing the weekly shop so we appear to have been stocking up on tinned food and the freezer is full so we should be able to get away with a minimal food shop later today.
    Mr T 11026 Bank 524 Mortgage 160,000
    Emergency Fund 1000 Blanket squares 33/60
    3monthfund 5660.75/4737
    • Dorastar
    • By Dorastar 15th Jun 19, 11:54 AM
    • 2,009 Posts
    • 16,344 Thanks
    Dorastar
    Checked and we just have enough to squeeze through this week as long as we don't do any lavish, fed up of hubby and his PS4 and Paypal purchases though as they aren't budgeted for and have made things a lot tighter than they need to be. Hate that we have nothing to show for our hard earned money.
    Mr T 11026 Bank 524 Mortgage 160,000
    Emergency Fund 1000 Blanket squares 33/60
    3monthfund 5660.75/4737
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