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  • FIRST POST
    • Lucy5781
    • By Lucy5781 28th Sep 12, 11:29 AM
    • 523Posts
    • 3,183Thanks
    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
    • 523 Posts
    • 3,183 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
    • 523 Posts
    • 3,183 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 Portland 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
    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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