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  • FIRST POST
    • Lucy5781
    • By Lucy5781 28th Sep 12, 11:29 AM
    • 548Posts
    • 3,373Thanks
    Lucy5781
    My Proper DFW Diary
    • #1
    • 28th Sep 12, 11:29 AM
    My Proper DFW Diary 28th Sep 12 at 11:29 AM
    Hi all,

    I've had a couple of threads in the main section before, one of which has become a bit diary-like so, I decided to put a proper one in here.

    Background on my debts, going back to 2009 can be found in these threads:
    http://forums.moneysavingexpert.com/showthread.php?t=1406057
    http://forums.moneysavingexpert.com/showthread.php?t=3566567

    Things should start really changing from the beginning of November now

    Wishing you all lots of luck
    Lxx
    Credit Card & Overdraft Debts Jan 2012: 16,000+ Credit Card & Overdraft Debts Sep 2013: 13,023
    DRO Completed: 30/09/2014

    My Diary - http://forums.moneysavingexpert.com/showthread.php?t=4202761
Page 6
    • Lucy5781
    • By Lucy5781 8th Apr 18, 6:54 PM
    • 548 Posts
    • 3,373 Thanks
    Lucy5781
    Oh the other change is DH transferred departments at work and secured a 6k pay rise whilst maintaining his paternity leave etc.

    So he's no longer having to work nights to keep us afloat. Though we actually do alright on our budget and have done for several months now.
    Credit Card & Overdraft Debts Jan 2012: 16,000+ Credit Card & Overdraft Debts Sep 2013: 13,023
    DRO Completed: 30/09/2014

    My Diary - http://forums.moneysavingexpert.com/showthread.php?t=4202761
    • Lucy5781
    • By Lucy5781 8th Aug 18, 2:22 PM
    • 548 Posts
    • 3,373 Thanks
    Lucy5781
    Baby girl arrived on her due date, via section as I reacted badly to the induction and she was bordering on being distressed, she had a bowl movement too. All fine though.

    DH was off sick, planned, for corrective surgery on his ankle for about eight weeks from DD being five weeks old. He's now back to work.

    We now get some child tax credits as well as additional child benefit due to second child though ironically I'll have to let them know when I receive monies from mum's estate. House finally went on the market five months after she died, despite us having it clear after about six weeks. Expecting a response from HMRC shortly for Probate to be granted, at which point her liquid assets should be available for interim distribution.

    Quite shocking to have gone from 16k debt to about to inherit about ten times in six years... And it being due to losing my mum.

    I'm about to start some counselling for it soon too.

    After reviewing possible penalty issues, we aim to put a chunk of it towards our mortgage. Then there's a kitchen/ bathroom/ conservatory re do planned.

    Aiming for at least one nice holiday for the family.

    Honestly sometimes it's little things like being able to get my hair done, having some friends to soft play for DS's birthday next month etc
    Last edited by Lucy5781; 01-11-2018 at 10:19 PM.
    Credit Card & Overdraft Debts Jan 2012: 16,000+ Credit Card & Overdraft Debts Sep 2013: 13,023
    DRO Completed: 30/09/2014

    My Diary - http://forums.moneysavingexpert.com/showthread.php?t=4202761
    • Lucy5781
    • By Lucy5781 31st Aug 18, 3:13 PM
    • 548 Posts
    • 3,373 Thanks
    Lucy5781
    Four days after I wrote my last post my father in law was taken into hospital via ambulance with severe pancreatitis, after over two weeks in an induced coma, he sadly passed away in the early hours of yesterday morning.

    We're beyond shocked. My husband and I have now lost a parent each in barely more than six months.

    It is no small blessing that both of them had complete wills reducing the bulk of the problems associated with death on this level.

    My mother's probate is halfway through a ten working day period of being approved so that should finally begin full resolution in just over a week.

    My poor husband is now feeling exactly what I've been telling him for the last six months, the person I want to talk to about everything, is the one I've lost...
    Credit Card & Overdraft Debts Jan 2012: 16,000+ Credit Card & Overdraft Debts Sep 2013: 13,023
    DRO Completed: 30/09/2014

    My Diary - http://forums.moneysavingexpert.com/showthread.php?t=4202761
    • Lucy5781
    • By Lucy5781 1st Nov 18, 10:16 PM
    • 548 Posts
    • 3,373 Thanks
    Lucy5781
    So, interim distribution of mum's liquid assets happened earlier this month.
    Warned my bank as it's only a basic account originally opened to parachute prior to my DRO five years ago.
    That was fine, until I made an Amazon order that was paying to about six different merchants so my card got blocked.
    Called them at 4pm on a Sunday and they still got it sorted in barely 20mins. Was pleased with that.

    Paid back MiL for loan for car. The second hand seven seater we bought immediately prior to having DD drank fuel. Like full on alcoholic drinking problem. DH's enhanced mileage barely covered half the costs.

    So we got the ex demonstrator Dacia Logan MCV the day after it became eligible to sell. '18 reg with 19 miles on the clock as no one had ever test driven it. MiL gave us the cash up front knowing my funds were due imminently and I paid her back less than a fortnight later.

    FiL was barely three weeks away from turning 65 when he died, turned out he actually had about four life insurance policies linked to their multiple property mortgages which he had effectively written off due to being so close to turning 65. They're paying out over 600k to my MiL which is extremely fortunate as she is disabled, retired and never expected her husband to pre decease her.

    I also cleared the credit card and overdraft DH had incurred over the lat six months keeping us afloat without my mum's occasional help, the poor, thirsty car choice and his lack of Saturday job for eight weeks over the summer.

    I've put aside enough to pay for DS to stay at preschool until he's eligible for 15hrs in January 2020. Due to his birthday being Sep 2016 he's got ages to wait, but being two already, he can go to the local pre school if we pay for it. DH earns too much for DS to get any funding as a two year old.

    And I spoke to HMRC about the Child Tax Credit and my inheritance. They'd only be concerned if I was earning interest on a legacy pay out. I'm not. It's just in my cash minder, basic bank account. The weekly payment has dropped by almost half due to DH now earning a bit more anyway but I just add that to the pre school funding account.

    Right now I'm just appreciating not worrying about being down to my last 20 on top of mourning the loss of two of our parents.
    Last edited by Lucy5781; 01-11-2018 at 10:21 PM.
    Credit Card & Overdraft Debts Jan 2012: 16,000+ Credit Card & Overdraft Debts Sep 2013: 13,023
    DRO Completed: 30/09/2014

    My Diary - http://forums.moneysavingexpert.com/showthread.php?t=4202761
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