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  • FIRST POST
    • milann
    • By milann 18th Jan 16, 11:00 PM
    • 3,061Posts
    • 18,927Thanks
    milann
    Milann's life keeps getting in the way.......
    • #1
    • 18th Jan 16, 11:00 PM
    Milann's life keeps getting in the way....... 18th Jan 16 at 11:00 PM
    Been on these forums for some time now...........good intentions of being debt free and at target weight keep coming .....and going......and life just keeps getting in the way!!!

    So it's time for a new diary to help keep me on track and push the excuses behind me and JUST DO IT....

    My debt is down to 2,500 and if I'd have shaped myself I could have had it cleared but I didn't so I need to do that pronto......
    My car was written off in November so I need to do something about getting mobile again, I'm wary of getting a rust bucket as I've had money pits in the past but the cash the insurance company paid out will only get a heap again and I refuse to get finance till I've cleared off the 2 and a half grand.......

    I've gone a bit (lot) mad and really splashed out on a weekend away for combined Christmas and birthday pressie for dh...... never paid so much to for a weekend away before but we're going to a concert. It's not until June so I have to save for that too.

    SO this week I will
    1. Do storecupboard challenge
    2. Keep spending diary
    3. Follow Slimming World plan to get back to target 6LB to go - then I don't need to pay

    Wish me luck on this last leg..............
Page 2
    • milann
    • By milann 7th Apr 16, 1:13 PM
    • 3,061 Posts
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    milann
    DON'T BELIEVE HOW STUPID I'VE JUST BEEN...........

    To cut a long story short - dh phoned me to say a man was coming around to collect cash for some work we've just had done on house. I was still in bed so preceded to get bathed and dressed - I was half way through getting dressed as he arrived earlier than i expected so threw my dressing gown on (all decent and modesty protected) went down to give envelope to man as dh asked. I was so eager to get rid of him as I felt a bit awkward - I DIDN'T GET A RECEIPT.............. There were several hundred pounds in envelope for some work we've had done to get rid of damp in house, air bricks and a fan and a protective coating on outer walls. Man seemed honest and did the work well.........and he said he'd e-mail dh with invoice. Like an idiot I said 'yes'....Now I'm worried sick as I know there are a few workmen that give the honest ones a bad name...........I can't believe I did it - I'd NEVER dream of handing cash over in a shop without a receipt SO WHAT WAS I THINKING or not thinking................ really hope this doesn't come back to haunt me............. It just shows how we can let out guard down in our own homes............
    • beanielou
    • By beanielou 7th Apr 16, 4:04 PM
    • 67,453 Posts
    • 305,797 Thanks
    beanielou
    Hopefully all will be well.
    Try not to worry too much.
    Lou~ Debt free Wanabe No 55 DF 03/03/14. MFW. 16 months to mortgage freedom.
    **Credit card debt free 30/06/10~**
    **Weight loss 2 stone 11 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.***
    • milann
    • By milann 13th Apr 16, 3:37 PM
    • 3,061 Posts
    • 18,927 Thanks
    milann
    Well the events of the weekend put my worries about the receipt into perspective.......... and there hasn't been any come back on it yet!!!

    In Morrisons doing a bit of shopping ready for the family to arrive when completely out of the blue dh had a seizure - I've never been so frightened in my life - and i'm used to dealing with the children i work with having them. I never thought all the training I've had on how to deal with them would be needed at home........how 7 minutes (the time span of the seizure) can change your life........

    We went out to the shop at 6.30 pm Friday evening and arrived home just before 4 Saturday morning. An hour and 10 minute wait for an ambulance and then hours in A&E - thankfully he seems ok with no obvious damage but because its the 1st one hes ever had, he has to undergo a range of scans and tests to try and determine the cause but we may never know and i'm thinking positive and hoping he's one of the few who has a 1 off for no obvious reason. He has gone to work but can no longer drive or climb ladders until given the all clear, since this is a good part of his job I'm not sure what the outcome will be.

    I have given up wanting a new car and I pick up a car that will be good enough to get us from a to b next Monday, paid for in the cash put aside from the ppi refund which we were doing up the house with. The car dh has is way too big for me to drive. I have still looked after our granddaughter this week as planned as we need to keep things as normal as possible.

    Adrenaline has kept me going and I think it's just beginning to sink in. I made myself go back to the shop as i kept seeing the events unfold in my mind - I really thought I'd be going home on my own that night - never been so pleased to listen to his snoring!!!!!

    I cant believe how brilliant morrisons were - they even made us fresh sandwiches to take to the hospital with us.

    But as I say 'life keeps getting in the way'.....................
    • beanielou
    • By beanielou 13th Apr 16, 7:59 PM
    • 67,453 Posts
    • 305,797 Thanks
    beanielou
    Blimey.So sorry to hear that.
    Take care of you too xx
    Lou~ Debt free Wanabe No 55 DF 03/03/14. MFW. 16 months to mortgage freedom.
    **Credit card debt free 30/06/10~**
    **Weight loss 2 stone 11 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.***
    • in need of direction
    • By in need of direction 15th Apr 16, 7:24 AM
    • 6,117 Posts
    • 38,279 Thanks
    in need of direction
    This could be ok. Just keep some pressure on for scans etc to be progressed. How lovely of the shop staff.
    Mortgage at 01.01.14 119,481.83 today 64761.98 target 65,000 by 05/04/19 Offset fund today 946.16 target 1000 by 31/12/19
    Emergency fund 4266/5.5k & 200/200 cash.
    Weight 24/02/19 14st 7lb now 13st 7lb
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • milann
    • By milann 25th Apr 16, 3:26 PM
    • 3,061 Posts
    • 18,927 Thanks
    milann
    Thanks Beanie ans Need of Direction. It's been a busy couple of weeks to say the least....
    I had gdd as planned then my son drove us to Kent to take her back. It was just what we both needed to keep our minds from wondering - a 2 year old full of giggles and hugs a plenty for Grandma and Grandad. It's a long journey to take her back - Kent coast from Manchester but it was lovely to see the sea....... had some lovely walks to put the world to rights.

    Back to work last week and I had to fill the forms in to re-apply for my job as cutting from 15 temporary staff to 9...... and I was last member of staff to start but 1 so hoping its not last in first out - anyway its completed and handed in and they are interviewing at the end of this week......fingers crossed`- what will be will be!!

    DH has been seen by GP with bloods and chest x-rays taken to check for underlying conditions that might cause a seizure and could be overlooked. Then we went to see a consultant at Salford Royal hospital which specializes with conditions that effect the brain. He was lovely but we were no further on as still needed a MRI scan. Anyway had that yesterday so just waiting for the results............. He is fine and at work. Need positive vibes for a letter to discharge us and he is one of the folk who have an unexplained seizure. I'll be watching for the post like a hawk..........

    Just to complete my week I have been up since 3 this morning throwing up for England. I haven't been in work and won't be tomorrow. Had flat lemonade since 7 this morningto keep hydrated and so far its stayed just where its meant to be - I've slept on and off all day and feel like I've done a couple of rounds with Mohamed Ali. I could have really done without time off before the interviews at the end of the week.

    Spend wise has been a bit pricey - I chickened out of driving to the hospital as its quite a way from here and involves motorways - which I don't do. But the trams gothere at a tenner a trip, plus I've been picking bits up at the local shops as we need them to save time. I'm still getting my head around the idea of leaving him on his own in the house in case it happens again............but all things considered I think we are coping ok as it's early days yet.
    • milann
    • By milann 25th Apr 16, 3:40 PM
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    • 18,927 Thanks
    milann
    Oh I've been to the dentist too, to have crowns put on - got a bruised face to prove I was there... that was over 220.......TEETH nothing but trouble but would be lost without them..........
    • milann
    • By milann 26th Apr 16, 1:32 PM
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    milann
    I think I needed these days off work to get my head in order and do a bit of quiet contemplation - so maybe the grotty tummy was natures way of making me slow down!!

    My interview is at 11 on Thursday - on the plus side it's only 6 months since I had m last interview so I've an idea how the questioning might go. The child I work with has presented problems to various staff with her challenging behavior but we seem to get along ok and she responds well to boundaries I've put in place. On the negative side - I've had a couple of days off with this tummy bug and had to have time off for a hospital appointment with dh.

    I've had a look at my finances this morning - loan is paid off but I've not managed to pay my cc in full this month - balance of 400 at the start of the month - so plan is minimum spends and use store cupboard goodies. I know I need to buy train tickets soon for the trip to Edinburgh in June about 110. Within the next 2 months I will get back to paying cc in full every month again - just in case I'm out of job from August and worse case senario is dh is unable to work - he only gets statutory sick pay if he is off - just need to make sure we're in the best situation we can be should that happen.

    Feeling much better today and I'll be back at work tomorrow although the atmosphere will be charged...........I'm just going to keep my head down and get on with the job without getting dragged into the emotions that go along with 15 staff having interviews - it's going to be awful when we find out who is going......I really think the management have a pretty good idea who is staying and going with a few to make the final decisions about at interview level - there will be 5 interviewers - personally I suspect they have been watching staff for some time..... but maybe I'm just an old cynic.....
    • beanielou
    • By beanielou 26th Apr 16, 6:40 PM
    • 67,453 Posts
    • 305,797 Thanks
    beanielou
    No I dont think you are an old cynic at all.
    Hope all goes well
    Lou~ Debt free Wanabe No 55 DF 03/03/14. MFW. 16 months to mortgage freedom.
    **Credit card debt free 30/06/10~**
    **Weight loss 2 stone 11 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.***
    • milann
    • By milann 15th May 16, 10:55 PM
    • 3,061 Posts
    • 18,927 Thanks
    milann
    Well I still have a job - the interview was fine - but then we had to wait until after the weekend to find out whether or not we had a job. The 3 people who have lost jobs are fairly bitter and I've overheard several conversations about 'people' only being here 5 minutes and getting full time jobs when they've been at the school years.........but that's life and I've got a thick skin!!! It would have been good to have kept everyone but with cut backs it wasn't possible and I can't help that I've only been there 6 months...

    Dh has had his scan results back and nothing has shown, thankfully and he is absolutely fine in himself but it's a bit like walking on eggshells as he is getting his head around not driving - not helped by me hating driving. We'll get through.

    We should be going to Cornwall next month to the caravan but there is no way we can get there so we are going to stay with my daughter for a few days at her new house on the Kent coast - we can get there on the train and although they'll be at work we can explore around there as we've only spent a few days there and it's a part of the world we don't know at all - plus I get granny cuddles from 'a big girl' who is '2 and a HALF' the 'half' making all the difference when you are only 2 going on twenty and chatting for England LOL

    Feeling a bit MEH - I think the events of the last month have caught up with me so I've just treated myself to some much needed items of under clothing from good old M&S - all my old ones have become discoloured, mis-shapen and the fasteners bent and digging into me - so hoping they will perk me up in more ways than 1

    I have been putting off buying said under garments as I've been paying loans and cc off - BUT when I make my payment after payday - I WILL BE DEBT FREE........... so it's my little treat to me.... This month will still be a bit tight as this months cc bill was double what I usually pay - but to be DEBT FREE will be worth it - I'll continue using my cc and paying off in full every month as I collect the points from Mr T's bank and exchange for days or meals out

    I want to build up a bit of cash to do some work in the house - we have used what we had put aside for the house to get my car.... but we have since sold dh car and had a little cash present from MIL but there was still quite a short fall - but at least I didn't get the loan I was thinking about.

    Onwards and Upwards.............off to catch up with some diaries
    • beanielou
    • By beanielou 15th May 16, 11:40 PM
    • 67,453 Posts
    • 305,797 Thanks
    beanielou
    Great news on job.
    I hate driving too.
    Is it 6 months for your DH not to drive?
    Lou~ Debt free Wanabe No 55 DF 03/03/14. MFW. 16 months to mortgage freedom.
    **Credit card debt free 30/06/10~**
    **Weight loss 2 stone 11 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.***
    • milann
    • By milann 17th May 16, 9:27 PM
    • 3,061 Posts
    • 18,927 Thanks
    milann
    A year seizure free till he can drive again. He is finding it frustrating but we have fantastic transport links nearby - buses, trams and mainline train station all within a half hour walk away and Manchester airport a half hour bus ride - just need passports and lottery win if we want to use that I'm happy to drive locally as long as it doesn't involve a motorway. It's all doable but to be honest I think we are both coming to terms with the shock of it happening and him not just jumping in the car to nip here and there. But I can live with that I just can't get the picture of it happening out of my head - just happy to still have him with me - LOL I'm getting all soppy now........ Scary thought is if it'd happened a few minutes earlier he'd have been in the car driving..........doesn't bear thinking about. He can see the reason behind the ruling and is quite accepting that its for the best - just takes some getting used to.

    Been and picked up my M&S order this evening - really pleased - feeling much perkier.

    Not done too well food wise today - krispy creme doughnuts in the staff room today - I wanted to know what the fuss was about them as I refuse to pay the silly price they charge for them - enjoyed them but not worth paying the extra money for. Chocolate digestives jumped into my mouth too... 4 of them.........

    Waiting for the gym to get back to me so I can see what the reduced package the physio suggested is all about.

    Need to up my walking again - car and new job means I'm not walking anywhere what i used to.
    • milann
    • By milann 24th May 16, 5:12 PM
    • 3,061 Posts
    • 18,927 Thanks
    milann
    Getting back on track and paid the total of this months cc off in full - that'll mean no interest
    I still have 700 on it to go on next months bill - just under 500 of that is my car insurance. If it hadn't been for the insurance I would have had enough cash to be debt free - but I've had some big items to pay and have paid my loan in full so I'm really happy with the way everything is going - next month should see me getting back to my normal spends and hopefully nothing unexpected to fork out...........

    Just been thinking back 10 years when I had over 20,000 in debt - don't know the full amount that dh didn't know about and I was in hospital in and out of ICU. Over a year off work and a whisker away from losing my job - I was forced to re-think my habits!!!!! Scary days that I never want to return to. I did it juggling cards to 0% and cutting back paying off bits of extra as and when I could. I know some folk give themselves targets to reach but I always seemed to set myself up to fail when I did that and the best way for me was just to go in the right direction even if by pennies.
    Roll on next month when I can pay my cc in full and have enough in my bank to cover the following month so I could pay it if needed there and then (I collect the points for days out and pay each month in full so as no interest) That's when I'll class myself DEBT FREE
    Got some nice things to look forward to over the next couple of months - a week at dd's and then a luxury weekend in Scotland to see Elton John. Train tickets all paid for but still got to pay for hotel - but it's all doable - feels so good to be able to say that.
    • beanielou
    • By beanielou 24th May 16, 6:03 PM
    • 67,453 Posts
    • 305,797 Thanks
    beanielou
    All sounding great~~ so chuffed for you
    Lou~ Debt free Wanabe No 55 DF 03/03/14. MFW. 16 months to mortgage freedom.
    **Credit card debt free 30/06/10~**
    **Weight loss 2 stone 11 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.***
    • milann
    • By milann 28th May 16, 11:16 AM
    • 3,061 Posts
    • 18,927 Thanks
    milann
    Granny cuddles waiting as we go to my dds for a couple of days. Hopefully the sun will shine and train journey be hassle free
    • beanielou
    • By beanielou 28th May 16, 11:36 AM
    • 67,453 Posts
    • 305,797 Thanks
    beanielou
    Enjoy.
    Lou~ Debt free Wanabe No 55 DF 03/03/14. MFW. 16 months to mortgage freedom.
    **Credit card debt free 30/06/10~**
    **Weight loss 2 stone 11 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.***
    • milann
    • By milann 22nd Jun 16, 4:03 PM
    • 3,061 Posts
    • 18,927 Thanks
    milann
    Life is mad - just don't know where time is going.............
    I'm ferrying dh about and I don't mind for 1 minute as he has looked after me for years but I can't believe how much time it eats into.

    I managed to pay my cc in full last month but only paid half of this month as there were a lot of holiday spends on it.........I have an expensive weekend coming up - going to see Elton John and really looking forward to it. So next months card will probably be paid over 2 halves then BACK TO PAYING IT EVERY MONTH - no messing.

    I bought a 12 week countdown to Slimming World at my old group as I really missed it - mainly the lovely folks who I saw there (lol how sad is that!!!) so I'm going for it - I've lowered my target weight by half a stone which is what I've always really wanted but never believed I could do.......we'll see!! I've also started going to the gym with a referral from the physio - 6 months at virtually half price. 1st weigh in tomorrow - feeling good

    I pulled a piece of wallpaper from my hall which was only held on with the paint around the edge and the whole length came off in my hand - wish I'd have left it now.........looks a right mess!! So operation do the house up is going to start over the summer holidays.........need to sort the bathroom and hall which are both BIG jobs that we can't do ourselves....gonna be pricey too me thinks. Then I'll emulsion the bedroom and living areas. When that is all done it'll need new carpets.... not sure what possessed me to get light beige carpets last time but they've done 10 years (more than I expected as they were the cheapest of the cheap).... It also works out cheaper to get the hall and living room done together as its a long narrow room and the carpet fitter worked out he could do the stairs with the offcuts and a little bit extra.

    I got dh to drill the bottom of those pot money boxes a friend bought me and I'd thrown loose change into - I was amazed there was 130 on it - made me smile

    Off for a half hour at the gym before I pick dh up
    • milann
    • By milann 11th Aug 16, 5:11 PM
    • 3,061 Posts
    • 18,927 Thanks
    milann
    OK - so here I am again - ANNOYED with myself.............

    I didn't get around to paying my cc off as I'd planned last time I'd posted neither did I this month....... LIFE GOT IN THE WAY.......again!!!!!

    We had a fantastic time in Edinburgh when we went to see Elton John in June - I knew it was going to an expensive time - what I hadn't counted on was the room I'd booked back in February hadn't been processed and I hadn't realised until the night before we went - my fault - I'd skimmed over an e-mail and mis-read 'needs confirmation' for 'confirmation...........I managed to get in the same hotel BUT it cost an extra 150.
    Then I realised neither of us had any photo ID so 180 for our passports.....after that burst under the floorboards which insurance wouldn't pay out for as it was classed as wear and tear......I could go on wittering about decorating, carpet etc but the upshot is my cc card which I'd been paying off religiously wasn't being paid in full and was incurring over 20 a month interest.

    So I had an interest free offer from an old cc and I have done a balance transfer of 1,700 - I will set up a dd and make overpayments to get it done as quickly as possible - the 40 transfer fee is going to work out cheaper than paying the interest and I'll go on using my Mr T cc card monthly fr the points and pay in full to stop interest.

    In one respect I'm annoyed but feel as if I am back in control - and will pay off - the payments will still be 100 less a month than the loan I paid off earlier this year - I think I was too ambitious paying so much off and didn't leave myself enough for the unexpected.

    SW is going ok - still a bit of a see-saw and going slowly but heading in right direction.

    Can't believe I've been off school a couple of weeks already - I've not stopped - I have been painting my bedroom and altering curtains - it worked out cheaper to buy ready made curtains that were too big and re-size than to but material and make from scratch!! it's coming together nicely...........just waiting for carpet to arrive next week......

    I WILL get myself debt free - I was so close and will get there - I will!!!!
    • milann
    • By milann 25th Sep 16, 8:45 PM
    • 3,061 Posts
    • 18,927 Thanks
    milann
    Been back at school virtually a month and had a massive scare when I opened my wageslip - they had messed up big time and all I got was a 160 tax rebate.........after a mild panic of wondering if I'd mis-read my contract and was no longer paid for the holidays realised it was a mistake. Thankfully it was in my account the same afternoon and I had apologies and promise of work picking up any charges I might incur. Now I know why I don't arrange for any payments to go out until 3 days after payday - just in case of c@ck-ups!!!!!!

    Feeling a bit cheesed off as had lots of things go wrong in the house and everywhere is a mess - burst pipe in the foundations, toilet overflowing and then general damp making paper fall off in the hall - since we had cavity wall insulation. The up shot is we basically need a new bathroom and we have half stripped the hall - its not worth decorating the hall until the bathroom is done. We've been waiting on the plumber since July and he keeps putting us off..... Went in B&Q today to see how quickly they could do it and even they have a 3 month wait!!!!! We ordered a new front door in August and the cheeky (putting it mildly)company 'think' we may have asbestos in the porch above the door and although they have already charged us 70 for a surveyor to measure up want to charge another 150 to send another surveyor to discover what the unidentified material is - none of the neighbours have asbestos and all the houses are peas in a pod - I strongly suspect they are trying to scam us. If it was a charge to remove said unidentified material I'd have no problem but surely the 1st surveyor should have sorted this.........so now we have to find another door from somewhere else and have paid 70 out for nothing..... 1 step forward 2 steps back!!!!!!!

    I've paid my monthly spend cc off in full and made minimum plus 100 off the 0% . I'll have it paid within it's 0% period.

    I treated myself to a new notepad and have started a spending diary today - gone a bit mad of late treating myself and dh during this period whilst he is unable to drive. Fingers crossed he will be fit to drive in December when he can re apply for his license as it has really changed our lives - especially his.....but I'm just happy he hasn't had any underlying illness causing the seizure.

    Enough of the whinging - I'm off to make a cuppa and watch Victoria
    • beanielou
    • By beanielou 25th Sep 16, 9:50 PM
    • 67,453 Posts
    • 305,797 Thanks
    beanielou
    Good to see you.
    Boo to all the house stuff.
    Here's hoping for DH & driving.
    Lou~ Debt free Wanabe No 55 DF 03/03/14. MFW. 16 months to mortgage freedom.
    **Credit card debt free 30/06/10~**
    **Weight loss 2 stone 11 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.***
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