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  • FIRST POST
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 6th Nov 14, 4:53 PM
    • 9,235Posts
    • 55,937Thanks
    please-let-me-be-lucky
    Three choices in life; Give up, Give in or Give all you've got!!
    • #1
    • 6th Nov 14, 4:53 PM
    Three choices in life; Give up, Give in or Give all you've got!! 6th Nov 14 at 4:53 PM
    This is my 2nd diary on MSE. My first diary, "When I asked for luck I didn't mean the bad variety!!" has to be closed as it's reached over 5000 posts!! It can be found here;

    http://forums.moneysavingexpert.com/showthread.php?t=3911061

    In 2011 my Husband had a motorcycle accident resulting in a severe brain injury, memory problems and Epilepsy. Unfortunately he is getting worse not better and I am now his full time Carer, which can be challenging, but I'm ever grateful he is still here! I also have 2 boys aged 10 and almost 5, a part time job and I'm currently a Beaver Leader but I've just given notice to leave at Christmas (as much as it pains me!) as I just can't manage that too. The last 3.5 years have been hard going for lots of reasons, but worth it. Every day may not be good, but there's something good in every day!!

    At the time of the accident we owed over £23,700 on credit cards and we currently owe just over £3000. Hopefully this diary will see us getting debt free forever! I hope you'll join me.

    Lucky Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in 2018 40/60
    Best win so far - holiday to Florida
Page 225
    • Buffythedebtslayer
    • By Buffythedebtslayer 14th Apr 18, 6:13 PM
    • 15,356 Posts
    • 51,474 Thanks
    Buffythedebtslayer
    Lucky, you only live once, you know you will figure out the spends for the holiday, you manage it all really well - I know you don't believe it but you do.
    so hang on there. It will be ok

    Also Benbenandme has some links in her diary about surveys and stuff - might be some there you don't have?

    Take care XXX
    Pound a Day challenge, Sealed Pot Challenge 12 - 008
    • WannabeFree
    • By WannabeFree 14th Apr 18, 6:42 PM
    • 2,043 Posts
    • 18,614 Thanks
    WannabeFree
    Glad you're feeling a bit better Lucky.

    I know you're worried about the holiday and spending but try and take some time to yourself. As long as you can be fed and have a bed then you will have a lovely time. My mum always said to us growing up we'd be skint at home so might as well be skint somewhere nice

    I'm sure you'll all have an amazing time

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 14th Apr 18, 6:42 PM
    • 9,235 Posts
    • 55,937 Thanks
    please-let-me-be-lucky
    Can I join in with the fat and skint group
    Originally posted by Knit Witch
    The more the merrier .

    Lucky, you only live once, you know you will figure out the spends for the holiday, you manage it all really well - I know you don't believe it but you do.
    so hang on there. It will be ok

    Also Benbenandme has some links in her diary about surveys and stuff - might be some there you don't have?

    Take care XXX
    Originally posted by Buffythedebtslayer
    Thanks Buffles, will check it out.

    Mum and her partner are at the Grand National. I asked them to put a fiver on for me and they picked the winner . I think that means I’m £50 up .

    Still hate the race though Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in 2018 40/60
    Best win so far - holiday to Florida
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 14th Apr 18, 6:44 PM
    • 9,235 Posts
    • 55,937 Thanks
    please-let-me-be-lucky
    Glad you're feeling a bit better Lucky.

    I know you're worried about the holiday and spending but try and take some time to yourself. As long as you can be fed and have a bed then you will have a lovely time. My mum always said to us growing up we'd be skint at home so might as well be skint somewhere nice

    I'm sure you'll all have an amazing time

    x
    Originally posted by WannabeFree
    I love this, thank you Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in 2018 40/60
    Best win so far - holiday to Florida
    • beanielou
    • By beanielou 14th Apr 18, 8:46 PM
    • 58,927 Posts
    • 244,727 Thanks
    beanielou
    Good news on the 50 quid
    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.***
    • Sun Addict
    • By Sun Addict 15th Apr 18, 3:05 PM
    • 6,429 Posts
    • 44,854 Thanks
    Sun Addict
    Great news on the win - I didn't even have a go on the work sweepstakes this year.
    Virtual Sealed Pot 2010 £21.63
    Debt £1880
    Weight loss 0/6LBS
    Emergency Fund £4000/£10,000
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 15th Apr 18, 6:41 PM
    • 9,235 Posts
    • 55,937 Thanks
    please-let-me-be-lucky
    DH’s Best Mate has had a bike crash this afternoon. Thankfully no head injury but has a broken jaw, face, collar bone, ribs and leg Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in 2018 40/60
    Best win so far - holiday to Florida
    • pennywisepoundstupid
    • By pennywisepoundstupid 15th Apr 18, 6:44 PM
    • 4,915 Posts
    • 17,191 Thanks
    pennywisepoundstupid
    So sorry to hear about DH's mate, very scary news. xx
    Be mindful of your self-talk. It's a conversation with the Universe."
    Debt free and saving for my future
    • beanielou
    • By beanielou 15th Apr 18, 7:01 PM
    • 58,927 Posts
    • 244,727 Thanks
    beanielou
    Blimey, thats not good
    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.***
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 21st Apr 18, 11:00 PM
    • 9,235 Posts
    • 55,937 Thanks
    please-let-me-be-lucky
    Can’t believe it’s been almost a week since I posted .

    DH’s mate has had a few operations already, with more on the way but he’s actually been very lucky and will eventually recover with (hopefully) no major lasting damage.

    Boys went back to school on Monday, much to their disgust, and the week has been a blur of school runs, swimming, karate, D&D club, hospital visits, gardening, washing and ironing! So not very exciting!!

    Mr L has overall been ok, but has been quite selfish in wanting to do what HE wants to do, so he isn’t really in my good books at the minute.

    But there’s only 16 days til Florida Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in 2018 40/60
    Best win so far - holiday to Florida
    • Sun Addict
    • By Sun Addict 22nd Apr 18, 4:27 PM
    • 6,429 Posts
    • 44,854 Thanks
    Sun Addict
    How awful re DH's friend Pleased he'll recover though. Bikes are so dangerous, I know a few who've lost their lives young due to bike crashes.

    Not long until Florida
    Virtual Sealed Pot 2010 £21.63
    Debt £1880
    Weight loss 0/6LBS
    Emergency Fund £4000/£10,000
    • beanielou
    • By beanielou 22nd Apr 18, 8:22 PM
    • 58,927 Posts
    • 244,727 Thanks
    beanielou
    Wow, 16 days to Florida
    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.***
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 23rd Apr 18, 9:07 PM
    • 6,509 Posts
    • 47,332 Thanks
    HairyHandofDartmoor
    Awful about the crash, I find bikes really scary
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    EMERGENCY FUND = £17
    "Tough times never last, but tough people do" - Robert H Schuller
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 24th Apr 18, 5:24 PM
    • 9,235 Posts
    • 55,937 Thanks
    please-let-me-be-lucky
    So a good few months ago, DH and I had a conversation;

    DH - “There’s a triathlon I want to do end of April”
    Me - “Really? That’s a lot of hard work training and Paramedic mate isn’t doing that anymore with you (injury). It’s the week before Florida too, and I’d really rather you didn’t just incase something goes wrong and it jeopardises the holiday”.
    DH - “Ok, I won’t do it”.

    And a more recent conversation;
    DH - “I’ve signed up to that triathlon I told you about”.
    Me - “£&@!!?/&”.

    And the last couple of weeks have been all about the training etc, stuff all other plans. Now, the best bit. Had an email to say he was to be there to stat at 6.15am on Sunday .
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in 2018 40/60
    Best win so far - holiday to Florida
    • Knit Witch
    • By Knit Witch 24th Apr 18, 5:28 PM
    • 3,610 Posts
    • 32,933 Thanks
    Knit Witch
    aaaaaaaaaaaaaaargh on your behalf!
    Must use my stash up!
    • Chrystal
    • By Chrystal 24th Apr 18, 5:44 PM
    • 550 Posts
    • 3,660 Thanks
    Chrystal
    Could you try telling him that if he's not well enough to go to Florida, you're going without him and he'll have to go into respite care while you're away?

    Revitalise is good, and you may be able to get some help with costs (might be worth thinking about for other times too)
    I Believe.....
    That it isn't always enough, to be forgiven by others.
    Sometimes, you have to learn to forgive yourself.
    • beanielou
    • By beanielou 24th Apr 18, 7:19 PM
    • 58,927 Posts
    • 244,727 Thanks
    beanielou
    You could not make it up
    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.***
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 24th Apr 18, 9:12 PM
    • 6,509 Posts
    • 47,332 Thanks
    HairyHandofDartmoor
    Oh crikey Lucky how annoying. I hope it doesn't jeopardise Florida for you.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    EMERGENCY FUND = £17
    "Tough times never last, but tough people do" - Robert H Schuller
    • Buffythedebtslayer
    • By Buffythedebtslayer 24th Apr 18, 9:59 PM
    • 15,356 Posts
    • 51,474 Thanks
    Buffythedebtslayer
    Hey Lucky, popped into see how you are doing. Hope you haven't locked OH in a cupboard as logical as it would be you'd get in a lot of trouble!

    I don't really know what else to say to be honest. Grrrrrrrrrr is about the best I can do.
    Pound a Day challenge, Sealed Pot Challenge 12 - 008
    • brizzlegirl
    • By brizzlegirl 25th Apr 18, 7:02 AM
    • 448 Posts
    • 2,994 Thanks
    brizzlegirl
    Just popping in! Sorry for radio silence! You couldn!!!8217;t make it up. Always something hey? Stay calm and breathe.. xx
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 40% [29%May 25%June 15%July 32% Sept & Oct 0% Nov ] 2018 Income Goal £125/£750 December Goals: AFDs 03/25; Decluttering 15/60; LSDs 03/10; NSDs 01/10 Exercise 01/15 12k steps per day pls Aiming to be a true Frugalista!
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