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  • FIRST POST
    • NoOneAround
    • By NoOneAround 27th Aug 14, 10:22 PM
    • 1,767Posts
    • 8,640Thanks
    NoOneAround
    Spent 4 years pretending it's all OK
    • #1
    • 27th Aug 14, 10:22 PM
    Spent 4 years pretending it's all OK 27th Aug 14 at 10:22 PM
    Bewildered, confused, terrified that will lose everything we have worked so hard to build up. Over 70 K unsecured debt and 28K owed to family. Have been self employed for 10 years but business gradually gone down hill in recession. partner went back t o work, on good salary 47K but not enough, plus some money still coming in from business/part time jobs. Have 3 years left of independent school fees (yes we could pull child out but it would destroy him - please don't judge), older child about to go to university and we won't be able to provide much support. Talked to debt charity earlier this year and wrote to some creditors but not all - kept thinking things would improve but they haven't yet, so now need to do the rest - wish I had listened and acted fully 6 months ago. Better late than never I guess. Desperately looking for a job but too stressed to produce good applications. Sleep deprivation and now relationship problems. Have a decent house but don't want to downsize as have elderly parents with health issues who will need our support and probably move in with us. Health beginning to suffer. Don't know how we got ourselves into this state - well educated, professionals, feel totally ashamed, so keep up the pretences with everyone that everything is hunky dory. So sad and depressed.
Page 102
    • Puzzcat
    • By Puzzcat 1st Apr 18, 5:01 PM
    • 3,243 Posts
    • 16,422 Thanks
    Puzzcat


    Hi Noah,

    Hope you are getting in some R & R this Bank Holiday weekend..

    Much Love,
    Puzz. x

    Christmas 2018 450 cash/89 vouchers
    I love my dmp started in Nov 13 with SC. Self Managed 2016 54% done
    60062/27144.49 - 12068k UE
    Pot Of Gold - 560.00
    MY DIARY -
    http://forums.moneysavingexpert.com/showthread.php?t=4768685
    • Cumbria lass
    • By Cumbria lass 2nd Apr 18, 9:49 AM
    • 2,196 Posts
    • 13,420 Thanks
    Cumbria lass
    Hope the bank holiday has been good for you NOA.
    CC1 221 /3718
    • NoOneAround
    • By NoOneAround 3rd Apr 18, 9:57 PM
    • 1,767 Posts
    • 8,640 Thanks
    NoOneAround
    Hello everyone, Time flies!
    Thank you for popping in Brizzle, Puzz and Cumbria. Hope you all had a lovely Easter break, and sorry I haven't been keeping up with diaries, RL very busy at the moment.
    Had a nice 2-3 days pottering at home and we all visited mums together for easter
    Now working at part time job but will be done tomorrow hopefully and I will treat myself to some MSE time
    xx
    NOA(h)
    Feb2014 Total unsecured debt 72,520>>01/06/16 68166>01/02/17 66,600=8.18%PAID
    Mortgage Jan14=209,800 Jan15=200,300 Jan17180,700>OCT17 170,200
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes
    Wombling Free Cash May2016 51
    • brizzlegirl
    • By brizzlegirl 3rd Apr 18, 10:33 PM
    • 351 Posts
    • 2,257 Thanks
    brizzlegirl
    Glad youve been able to find the time to potter, hope you get some more. Take it easy xx
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 40% [29%May 25%June 15%July] 2018 Income Goal 88/750 September Goals: AFDs 7/25; Decluttering 08/60; LSDs 02/10; NSDs xx/10 Exercise xx/15 12k steps per day pls Aiming to be a true Frugalista!
    • NoOneAround
    • By NoOneAround 9th Apr 18, 9:21 PM
    • 1,767 Posts
    • 8,640 Thanks
    NoOneAround
    Not doing very well at keeping up here
    Weekend was spent at mum's, housework/shopping with/for her.
    week Taxi-ing for DS, and patio has been jetwashed so looking lovely - just need to add colour with flowers.

    But I did manage to get a bootload of stuff out of house to recycling centre incl.
    old taps and bits of copper pipe, 2 cans of clumpy paint about 20 ink cartridges, bulbs and batteries, 2 large carrier bags of hol(e)y socks and old clothes/towels, cooking bottle of cooking oil that'd gone out of date, old cassette holders and cassettes (who remembers what they are?!! ) broken hangers etc. Collected and piled in corner of spare room and utility room over months - it took me half hour at the recycling centre to put everything where it was meant to go ! but elt better than black bagging it all.
    just need to repeat x50 and I'll be done.

    Hope all well in MSE land
    NOA
    xx
    Feb2014 Total unsecured debt 72,520>>01/06/16 68166>01/02/17 66,600=8.18%PAID
    Mortgage Jan14=209,800 Jan15=200,300 Jan17180,700>OCT17 170,200
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes
    Wombling Free Cash May2016 51
    • NoOneAround
    • By NoOneAround 9th Apr 18, 9:27 PM
    • 1,767 Posts
    • 8,640 Thanks
    NoOneAround
    Glad youve been able to find the time to potter, hope you get some more. Take it easy xx
    Originally posted by brizzlegirl
    Thanks Brizzle
    Have taken to taking very non-green non-MSE big baths every night - my guilty pleasure

    Do need a magic cure for big dark circles under eyes if you have one poor sleep and meds not doing much for youthful glowing good looks

    xx
    Feb2014 Total unsecured debt 72,520>>01/06/16 68166>01/02/17 66,600=8.18%PAID
    Mortgage Jan14=209,800 Jan15=200,300 Jan17180,700>OCT17 170,200
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes
    Wombling Free Cash May2016 51
    • Cumbria lass
    • By Cumbria lass 10th Apr 18, 7:53 AM
    • 2,196 Posts
    • 13,420 Thanks
    Cumbria lass
    Great feeling clearing out clutter and recycling stuff out of the house.

    The weather is miserable again today here , after yesterday .

    Not sure of anything that makes your eyes look better other than more sleep.
    CC1 221 /3718
    • redofromstart
    • By redofromstart 10th Apr 18, 8:50 AM
    • 1,945 Posts
    • 11,945 Thanks
    redofromstart
    Thanks Brizzle
    Have taken to taking very non-green non-MSE big baths every night - my guilty pleasure

    Do need a magic cure for big dark circles under eyes if you have one poor sleep and meds not doing much for youthful glowing good looks

    xx
    Originally posted by NoOneAround
    Me too on the baths. Its the only way I can keep on functioning.

    The black circle thing, I read somewhere years ago that it doesn't matter what you use as long as it stops your fingers dragging on the skin. Its the circular movements that are dispersing the fluid build up so anything that is suitable for use around the eyes will help.
    • NoOneAround
    • By NoOneAround 18th Apr 18, 10:13 AM
    • 1,767 Posts
    • 8,640 Thanks
    NoOneAround
    Hi Everyone,
    I find myself feeling guilty again about not keeping up here, however i have been keeping busy in real life and have got quite a few long over due things moving.
    Have been at home this week and SE work has quietened down, haven't had many enquiries recently so pipeline looking very this - first time in two years I think - a relief on the one hand, some cause for anxiety on the other, We are ok at the moment, but I haven't overpaid mortgage yet, as a bit jittery about the SE - we OK til July at the moment.

    Some big Tasks done trying to catch up on neglected house and garden
    1) Driveway looking a lot better and tidier - outlay over 2.2K, a bit more to do but not urgent
    2) Sewage disposal system emptied/serviced 200
    3) MOT/service for my car booked in for end of week - more cost
    4) A few more bags of decluttering sorted ready to go to CS
    5) Lots of washing done this week - dried outside
    6) Got more involved with new charity volunteer work -taken up quite a bit of time
    7) Caught up with admin for the other volunteer role this week - feels good to be on top
    8) All usual dentist/hair appts for DS in hols, plus lots of driving lessons - he's almost there hopefully by half term..haven't dared look into insurance though as he is under 18.
    9) had to buy new waterproofs for him for 3 day field trip as outgrown his old ones - 50
    10) got 2 new dresses 1 smart 1 casual for me at half price in debs sale - on old TCB vouchers that have been sitting for ages so no cost
    11) 2 bags of paper recycling left office, but desk high again.
    12) Haven't managed to clean greenhouse Ig I know you have...
    13) nothing planted as so busy with everything else.
    14) waiting for car glass replacement on DD's car this morning - no point claiming on insurance as quote is less than excess -
    15) I can't remember what else- mind is racing !!!
    16) Beautiful day today so need to make sure I get out for a bit.

    Love to all in MSE land
    NOA
    x
    Last edited by NoOneAround; 18-04-2018 at 10:17 AM.
    Feb2014 Total unsecured debt 72,520>>01/06/16 68166>01/02/17 66,600=8.18%PAID
    Mortgage Jan14=209,800 Jan15=200,300 Jan17180,700>OCT17 170,200
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes
    Wombling Free Cash May2016 51
    • Bigskies
    • By Bigskies 22nd Apr 18, 8:44 AM
    • 109 Posts
    • 360 Thanks
    Bigskies
    My son is also learning to drive and I am dreading the whole car/insurance thing too! A friend has said that comprehensive insurance for teens is cheaper than third party,but even with a black box fitted I think you are looking at 1500 plus for the first year, which is horrific!
    Jan 2018 68,274 May 1 2018 59,537
    Percentage of total debt paid 12.79%
    2018 target 10k So far: 8737
    Monthly target 833 January 1129 Feb 1278 Mar 1176 Apr 5152
    POAYDBX18 #124 8737/10,000
    • Treadingonplaymobil
    • By Treadingonplaymobil 22nd Apr 18, 9:54 AM
    • 1,710 Posts
    • 17,603 Thanks
    Treadingonplaymobil
    Wow, that's a super productive list! Well done.

    Always horrible waiting to see whether enough SE work comes in. I have it constantly in the back of my mind, even if not exactly 'worry', it's always there.
    67,031.92 is a frightening number indeed... The debt free diary of one family and their enormous debt
    LBM debt on 12th Feb 2017: 38,608 unsecured debt/20,000 parental loan/173,282 mortgage = 231,890
    debt on 1st Sept 2018: 12,221.27 unsecured debt/19,940 parental loan/191,003.72 mortgage = 223,165
    • NoOneAround
    • By NoOneAround 6th May 18, 10:23 PM
    • 1,767 Posts
    • 8,640 Thanks
    NoOneAround
    Wow, that's a super productive list! Well done.

    Always horrible waiting to see whether enough SE work comes in. I have it constantly in the back of my mind, even if not exactly 'worry', it's always there.
    Originally posted by Treadingonplaymobil
    Hi TOPM, Thanks
    It's a sort of sinking feeling in your stomach every time it comes to mind Not much movement sad to say since i was last on.
    Hope all well with you, am I now so far behind with everyone's diaries I don't know how I'll catch up. Am working full time at part time jobs now pretty much till end of June - Good for money but not for time....

    NOA
    x
    Feb2014 Total unsecured debt 72,520>>01/06/16 68166>01/02/17 66,600=8.18%PAID
    Mortgage Jan14=209,800 Jan15=200,300 Jan17180,700>OCT17 170,200
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes
    Wombling Free Cash May2016 51
    • NoOneAround
    • By NoOneAround 6th May 18, 10:29 PM
    • 1,767 Posts
    • 8,640 Thanks
    NoOneAround
    My son is also learning to drive and I am dreading the whole car/insurance thing too! A friend has said that comprehensive insurance for teens is cheaper than third party,but even with a black box fitted I think you are looking at 1500 plus for the first year, which is horrific!
    Originally posted by Bigskies
    Hello Bigskies Thanks for popping in and posting, I haven't dared check yet but there has been much going on - plus with SE work on quiet side I'm holding fire until we have some work lined up. You are right re comprehensive - it didn't make much difference for my daughter comp vs 3rd party. Someone has also told me to be careful and read small print on the black box policies otherwise you end up paying horrendous additional charges.
    Test is lined up for half term week, Hows your son doing - we went for an intensive course in holidays but he wasn't quite ready for test by the end as no additional practice outside of lessons.
    Good Luck to your DS
    NOA
    x
    Feb2014 Total unsecured debt 72,520>>01/06/16 68166>01/02/17 66,600=8.18%PAID
    Mortgage Jan14=209,800 Jan15=200,300 Jan17180,700>OCT17 170,200
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes
    Wombling Free Cash May2016 51
    • NoOneAround
    • By NoOneAround 6th May 18, 10:38 PM
    • 1,767 Posts
    • 8,640 Thanks
    NoOneAround
    Hi Everyone, Just popping in to say hello briefly, time is sparse these days as am taking on all work I get offered in part time jobs, plus have an additional volunteering role coordinating a local national charity group - pretty draining on time. Too tired in the evenings to stay up late these days, if I do I can't get up in the mornings.

    Hope everyone enjoying the lovely sunshine, I been to see mum so been indoors much of the time or driving
    At home tomorrow , but will need to do VAT return - very last minute and need to organise clothes for 4 days at work. Can't find anything I like at he moment - need to get some more work clothes.
    doesn't help that the only thing my feet are comfy in is winter boots, not exactly ideal for summer heat wave.
    Waffling mindlessly now so will disappear off to bed.
    Just wanted to say am missing MSE friends
    NOA
    x
    Feb2014 Total unsecured debt 72,520>>01/06/16 68166>01/02/17 66,600=8.18%PAID
    Mortgage Jan14=209,800 Jan15=200,300 Jan17180,700>OCT17 170,200
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes
    Wombling Free Cash May2016 51
    • redofromstart
    • By redofromstart 7th May 18, 8:17 AM
    • 1,945 Posts
    • 11,945 Thanks
    redofromstart
    Good to see you posting NOA, you do sound busy.
    • brizzlegirl
    • By brizzlegirl 7th May 18, 8:49 AM
    • 351 Posts
    • 2,257 Thanks
    brizzlegirl
    Thanks for posting NOA...letting us know how you are doing. Particularly like the winter boots idea... in this weather that must be a challenge. I am missing my flip flops which finally died over winter in a big way. Must get some more but trying to curb spends today and do some filing instead (where is the roll eye emoji?!)

    My VAT return was also a late one. Due tomorrow tho I think so should be all sorted and up to date then.

    Have a lovely weekend...am sure your garden is luscious x
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 40% [29%May 25%June 15%July] 2018 Income Goal 88/750 September Goals: AFDs 7/25; Decluttering 08/60; LSDs 02/10; NSDs xx/10 Exercise xx/15 12k steps per day pls Aiming to be a true Frugalista!
    • NoOneAround
    • By NoOneAround 26th May 18, 10:53 PM
    • 1,767 Posts
    • 8,640 Thanks
    NoOneAround
    Hi everyone
    Thanks for popping by Brizzle and Redo
    I hadn't realised it has been 3 weeks. I have been working full time at my school job, long days. Exhausted but surviving, but its half term this week and I decided to not do any days at my other part time job this week, so have a week to catch up with all the things I haven't done at home. Mum has gone to saty with sibling for a few days so I will have some actual time at home when I'm not at working, - will try to make a dent in garden jobs and some decluttering. Half hoping I will be able to do a bit of painting/decorating, but I got up this morning to a fragile back that keeps twinging so was extra careful. Did make time for a leisurely walking at local NT place, it was beautiful, calm and a sunny 23 degrees, just perfect.
    Pretty tired so will crash out soon, can't seem to stay up late anymore. Will try and think of where to start with updating and read some diaries over tea breaks this week
    Love
    NOA
    x
    Feb2014 Total unsecured debt 72,520>>01/06/16 68166>01/02/17 66,600=8.18%PAID
    Mortgage Jan14=209,800 Jan15=200,300 Jan17180,700>OCT17 170,200
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes
    Wombling Free Cash May2016 51
    • redofromstart
    • By redofromstart 27th May 18, 8:38 AM
    • 1,945 Posts
    • 11,945 Thanks
    redofromstart
    Happy holidays NOA, hope you have a rest as well as a productive week off.
    • brizzlegirl
    • By brizzlegirl 27th May 18, 8:42 AM
    • 351 Posts
    • 2,257 Thanks
    brizzlegirl
    Have a good weekend NOA and well done for not taking on too many extra hours. You need to look after yourself x
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 40% [29%May 25%June 15%July] 2018 Income Goal 88/750 September Goals: AFDs 7/25; Decluttering 08/60; LSDs 02/10; NSDs xx/10 Exercise xx/15 12k steps per day pls Aiming to be a true Frugalista!
    • NoOneAround
    • By NoOneAround 28th May 18, 10:57 PM
    • 1,767 Posts
    • 8,640 Thanks
    NoOneAround
    Thanks Brizzle, ReDo

    I've had three blissful days of pottering. Not got very much done but oh well, never mind, it has been nice just to pretend to try and do things. As well as work full time at school (SE has been very quiet) we've tried to get on top of things at home.

    Garden is still wild, but we the royal we have got a few big jobs done.
    1) Grass is under control (DH and DS between them; me supervising
    2) smaller hedges have all been done
    3) dead tree trunk felled, chainsaw brandished to various trees and shrubs to prune etc
    4) Strimming done all around edges.
    5) With their help I have re potted 4 large shrubs - gives structure to patio. DH dug up a foot tall fir tree self seeded, into a large pot - may well do for a christmas tree in a couple of year if it survives!
    for first time in 4 years bought and planted up some plants into two big urn planters - should fill out and look lovely in the next 1-2 weeks.
    At lease both DH and DS are doing the bits I want them to do in order that I want them to

    6) I have cleared out and shredded two archive boxes of old SE work files.
    7) Sorted out a couple of carrier bags of clothes for recycling/CS
    8) Caught up with voluntary work admin.
    9) Sorted out new hose for dyson - been waiting for several weeks - back to full suction again.
    10) AM very behind with budgeting - have lost track somewhat so need to go through bag full of receipts - I think food budget has gone to pot
    Have also had to spend on clothes and shoes, again lost track of much much (not expensive items but quite a few for all of family).
    More expense to come as car service due this week.

    Health - been surviving, have just had to accept that can only do so much and learn not to worry about it.
    Family - DS continues to thrive at school, DD on the last part of her MA - dissertation to do by September, so no big holiday planned,
    Social - getting out with my garden centre friend every couple of weeks, but haven't managed to maintain with other friends.
    Flagging now so off to bed

    NOA
    x
    Feb2014 Total unsecured debt 72,520>>01/06/16 68166>01/02/17 66,600=8.18%PAID
    Mortgage Jan14=209,800 Jan15=200,300 Jan17180,700>OCT17 170,200
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes
    Wombling Free Cash May2016 51
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