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  • FIRST POST
    • Bubblesmum
    • By Bubblesmum 19th Jul 17, 11:44 AM
    • 1,074Posts
    • 6,263Thanks
    Bubblesmum
    Dancing through the rain with a smile and good cheer
    • #1
    • 19th Jul 17, 11:44 AM
    Dancing through the rain with a smile and good cheer 19th Jul 17 at 11:44 AM
    The other titlel to this could be Dancing through the rain of debt and chronic illness but I am determined not to be negative.

    I have had a diary before Life begins at 45, this was my first post on 28th July 2014 just shy of three years, and well life didn't begin and has been quite static.

    I had high hopes.....

    This is the 28th Monday I have been off sick due to my disability.

    Rather than totally focusing on my ill health.

    I wanted to begin to focus on positive things, to be proactive and regain some control in my life......... One area to do this is focusing on our budget and debt, especially as SSP is about a quarter of my salary.

    I know that this year is going to be a turning point . I am determined that this will be life affirming.

    I do count myself very privileged my OH and I live in a beautiful bungalow, over looking a water meadow near the Thames (was a little scary this year, when we became Noah's Ark, when the area flooded).

    We have two cats , nice cars, the ability to go on holiday, heat andhave yummy food in our tummies.

    However we have a reasonable amount of debt built up from making improvements on our home and escaping life for R & R.

    We are also both disabled and so we do have many additional costs along the way, if we want to live life in a healthy way. We both qualify for DLA but we may loose this under PIP despite having life time awards due to CP (me) and triple amputee (OH).

    Neither of us have worn our disabilities as who we are, we both have worked full time, in good jobs thanks to our parents refusing special schools in the 1970's and us getting fantastic academic educations.

    Now my disability is impacting my health and I worry about our debt, and how I am going to be able to financially contribute to our lifestyle in the future.

    So, this diary is about debt busting and exploring how I can creatively improve my income from home. (Going out to work is going to be severely restricted going forward).

    Look forward to sharing my world to others .....


    This summer I have become determined to change me just keeping my head above water ... so I think it is time to start a new diary.

    Old friends I hope to see and look forward to new ones....

    Deep breath here goes.....
    Mrs B Debt £1857 @ 13/06/2017, £1790 16/06/2017
Page 1
    • Bubblesmum
    • By Bubblesmum 19th Jul 17, 12:04 PM
    • 1,074 Posts
    • 6,263 Thanks
    Bubblesmum
    • #2
    • 19th Jul 17, 12:04 PM
    Painting a picture on life - my home
    • #2
    • 19th Jul 17, 12:04 PM
    My husband of 11 years, two cats and I live in a beautiful bungalow close to the Thames not far from the Big Smoke.

    We bought it 12 years ago when we got together, merging two established houses into one, we have a relatively small mortgage compared to the value of the property. We have a good interest only mortgage, which although we dream to pay off ourselves, would be comfortably paid off either if we downsized or when it is time to inherit from a close relative.

    If the latter sounds morbid, it is an open conversation with my remaining parent, who wishes to leave his disabled daughter securely off, and while alive he is very generous with supporting my disability needs.

    While enjoying the beauty of my home and garden, we did need to do home improvements and currently have a large loan that ends next spring . Started when I was still working, it has caused, us to struggle to live on one salary at the moment.

    Nearly every physical job in home and garden needs to be done by others s both OH and I have physical disabilities. Mostly we pay for help, from cleaning, gardening and odd jobs. I view this as helping others to earn a decent wage.

    Despite the challenges I know I am blessed....
    Mrs B Debt £1857 @ 13/06/2017, £1790 16/06/2017
    • beanielou
    • By beanielou 19th Jul 17, 12:13 PM
    • 54,991 Posts
    • 219,517 Thanks
    beanielou
    • #3
    • 19th Jul 17, 12:13 PM
    • #3
    • 19th Jul 17, 12:13 PM
    Happy shiny new diary Bubblesmum
    So looking forward to reading about your new adventures and your debt busting xxx
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **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.
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 19th Jul 17, 4:31 PM
    • 8,833 Posts
    • 51,758 Thanks
    please-let-me-be-lucky
    • #4
    • 19th Jul 17, 4:31 PM
    • #4
    • 19th Jul 17, 4:31 PM
    Excited for your fresh start BM Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in 2018 28/60
    Best win so far - holiday to Florida
    • Bubblesmum
    • By Bubblesmum 25th Jul 17, 11:22 AM
    • 1,074 Posts
    • 6,263 Thanks
    Bubblesmum
    • #5
    • 25th Jul 17, 11:22 AM
    Bumpy New Start
    • #5
    • 25th Jul 17, 11:22 AM
    Morning all...

    Well you either laugh or you cry,

    Before I could come back on here .....

    Having had a really successful night directing, I came out of the building and went smack on tarmac.... Ouch!

    I am now very crooked, and had hoped to get to London to the osteopath today but he is not in, so have to wait till Friday. Trying to put most of life on hold to aid recovery, and not to make it worst, but some things I am really committed to.

    Here's my diary so far:

    Thursday - spent doing the am Dram accounts in readiness for the auditor... I have yet to finish them but getting there.

    Then SMACK , the lovely leading man picked me up

    Friday 21st - a slow day, more accounts and trip to the village, for library books, banking and cards as well as a coffee with the secretary of the Am Drams back to collapse in a chair, having to acknowledge I am very sore.

    Saturday 22nd - Messy Church in the morning, which went ok and I was feeling good, so we decided to go on a lunch date to a lovely pub we found in the CAMRA guide and I had rhubarb gin - yum, we managed a spot of shopping in a mini C@@P and then I pursuaded OHto stop in to a small nursery for a few plants - success, Happy, having had a lovely afternoon, then disaster again!! The electronic hand break was stuck on and would not shift.

    5 hours later we returned by taxi, well two due to our wheelchairs as the car could not be recovered, on Saturday night, after two attempts with the wrong kind of assistance.

    Sunday 23rd. Really struggling physically but had invited a houseful for a Christian Aid Was Up, OH was a star and it was a bring and chair nibbles - lovely afternoon despite feeling crap, with lots of left overs for us to eat

    Monday 24th - Late start, Admin in the morning, but really struggling to concentrate, fell asleep in the chair after lunch. OH took me to Am Drams

    and now sitting in the summer house, with a back that is but as Beanielou would say plodding on....
    Mrs B Debt £1857 @ 13/06/2017, £1790 16/06/2017
    • mary hinge
    • By mary hinge 27th Jul 17, 1:30 PM
    • 1,525 Posts
    • 7,138 Thanks
    mary hinge
    • #6
    • 27th Jul 17, 1:30 PM
    • #6
    • 27th Jul 17, 1:30 PM
    Happy new diary Bm!

    Sorry to hear about the faulty handbrake, I hope it isn't too difficult to fix!

    Enjoy your summer!

    Mrs H x
    Living in a superhero induced haze
    "You did good Kidda!"
    • October Starter
    • By October Starter 28th Jul 17, 2:36 PM
    • 653 Posts
    • 3,102 Thanks
    October Starter
    • #7
    • 28th Jul 17, 2:36 PM
    • #7
    • 28th Jul 17, 2:36 PM
    Happy new diary BM!!!

    October xx
    Loan: 6100.00 4542.08 ~~ Credit Card: 4231.82 #20 Emergency Fund: £249.96/£1000 25%!
    LBM 1: (20.08.14) -£5000.00 LBM 2: (25.07.17) -£9750.00 October Goals NSDs: 0/10, Ibs Lost: 0/10, Xtr Income: £0/£50
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 28th Jul 17, 7:10 PM
    • 8,833 Posts
    • 51,758 Thanks
    please-let-me-be-lucky
    • #8
    • 28th Jul 17, 7:10 PM
    • #8
    • 28th Jul 17, 7:10 PM
    Sorry about your fall. Hope osteo sorted you out today Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in 2018 28/60
    Best win so far - holiday to Florida
    • beanielou
    • By beanielou 28th Aug 17, 10:02 PM
    • 54,991 Posts
    • 219,517 Thanks
    beanielou
    • #9
    • 28th Aug 17, 10:02 PM
    • #9
    • 28th Aug 17, 10:02 PM
    Hope you are ok & recovering from your falls.
    Take care & keep plodding xxx
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **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.
    • beanielou
    • By beanielou 7th Oct 17, 9:16 PM
    • 54,991 Posts
    • 219,517 Thanks
    beanielou
    Missing you.
    Hope all is well with you.
    Pop in & let us know how you are doing xxx
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **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.
    • Bubblesmum
    • By Bubblesmum 18th Feb 18, 9:27 AM
    • 1,074 Posts
    • 6,263 Thanks
    Bubblesmum
    Where did those months go.... part 1
    Dear Diary, Beanielou and anyone else that reads this !

    In a snapshot - I got myself a job. In the early days I was so happy, I remember driving to work with a smile on my face. It was a small charity and I thought it was going to be great all round..... but did I when I got the job there was a little niggle at the back of my mind about the CEO and that evening although I celebrated well I didnít feel care free.

    Turns out that niggle was justified, and although I am still there I leave on the 27th.

    Mixture of three things - 1. the job role not being right for me ( interview was focused on mentoring, coaching and employment) where as I have been on boarding - marketing mostly.

    2. The is a new big lottery project and I am not sure whether it was really well though5 out and actually workable.

    3. The CEO is a micromanager and as a manager I have nicknamed him Mr !!!! - when not managing he is ok, heart in right place etc... but someone at a party you would perhaps roll your eyebrows at, three piece suits, this week he wore tight jeans biker jacket and a scarf - heís 54. He likes finer things in life, when he made us lunch and did sausage and mash he bought a £25 potatoes masher ( out of own pocket) for one meal

    We are on an old nursery, office is a 1970s bungalow, often cold, the established project is horticulture courses for lose with learning disabilities.

    When he is in a mood (often) staff have to wear tin hats.

    Although not my line manager, we are a team of 7 so no where to hide.

    My line manager, nice young woman, weíve worked well together apparantl6 I am her work Mum . She had been mumbling that my probation would be extended because I was not getting outcomes... now that made me as.

    My role is 17.5 hours and the list of stuff to achieve would fill full time hours and more, I have raised this. No money in pot. Also raised concerns part of project not viable, after having external feedback from experts - not popular. I reflected what they wanted me to do, including 25, 5 minute cold calling phone calls each week. How I fittitted into th3 team. Everyone else works full time and works far longer hours than paid/contracted.

    So Last week, having spent many anxious hours considering what to do, I handed my resignation in while still in th3 probationary period.

    Relief all ro7nd I feel, and surprise surprise they ar3 r3configuring my role.

    End of part 1
    Mrs B Debt £1857 @ 13/06/2017, £1790 16/06/2017
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 18th Feb 18, 10:22 AM
    • 8,833 Posts
    • 51,758 Thanks
    please-let-me-be-lucky
    Sounds like youíve done the right thing BM.

    Onwards and upwards Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in 2018 28/60
    Best win so far - holiday to Florida
    • Bubblesmum
    • By Bubblesmum 18th Feb 18, 1:16 PM
    • 1,074 Posts
    • 6,263 Thanks
    Bubblesmum
    Sounds like youíve done the right thing BM.

    Onwards and upwards Xx
    Originally posted by please-let-me-be-lucky
    Ta, I think I have and yesterday I applied for my old job back, the one I left a few years ago... hereís hoping
    Mrs B Debt £1857 @ 13/06/2017, £1790 16/06/2017
    • Bubblesmum
    • By Bubblesmum 18th Feb 18, 1:28 PM
    • 1,074 Posts
    • 6,263 Thanks
    Bubblesmum
    Sunday 18th February

    My Duracell batteries are empty. The alarm went off at 7.30am in order I could do both morning services. Itís 10.11 Iím in bed having had a shower, so Iíve missed the first service. I have to be at the second as Iím on projector duty.

    I am trying to give myself a pep talk... you can do it...

    My anxiety levels are reasonably high.

    Today I have got to do:

    1. Projector for 11.15 family service
    2. Wash up get together for Christmas Day at the Greeno
    3. Bake a cake to take to 2 so I donít spend anything

    Tomorrow

    1. Work
    2. Lent Group at church
    3. Promised a cake

    Tuesday

    1. Work
    2. Amateur dramatics committee meeting
    3. Prepare accounts and paperwork for 2

    Wednesday

    1. Pilates 1:1
    2. I Daniel Blake is the film @ church film club

    Thursday

    1. Work

    Friday

    1. London to have back done at osteopath etc

    Saturday

    1. Prepare for lunch with friends on Sunday.


    An hour later .........

    So I have made it to church to do projector.

    Really struggling with patience this morning and I know itís because of fatigue and anxiety.

    Firstly when I explained all the above to OH this morning. He was silent ( typically he says he has not a clue what to say) 10 minutes later he asked how I was feeling - the same as 10 minutes ago.

    Then I pick up two messages - and I think well ok. I felt annoyed itís two people who could have taken on the sad task of telling a family member that my Aunt has died after a tragic accident. Instead itís me and Iíve done it despite the person being abroad.

    Then my OH driving me to church spots a friend and makes a ďfunny commentĒ about what he looks like. Except for me itís not funny itís actually taking the Micky and I think itís horrible.

    I have given up moaning for lent. Several pounds need to go in the pot for the diocesan lent appeal for homelessness

    2 hours later

    Well I neatly toppled over in front of the rector, thatís how unsteady on feet I am today

    Come home, washing is on, and I should be thankful but thatís not a priority today.

    I have made a banana loaf, using bananas from the freezer and store cupboard goodies.

    Went out to composter and heard water feature so7nding poorly. oH has gone and fixed it. Then trampled mud in across th3 newly cleaned cream carpet .

    I am shattered and so cross with OH, and feel so alone.
    Mrs B Debt £1857 @ 13/06/2017, £1790 16/06/2017
    • maddiemay
    • By maddiemay 18th Feb 18, 2:12 PM
    • 3,498 Posts
    • 32,043 Thanks
    maddiemay
    De-lurking to say it is good to see your diary again, but so sorry that life is so tough for you ATM, not sure if gentle virtual hugs are appropriate, but if not and anyway healing caring thoughts coming your way. You have such a busy week ahead, I hope that you can slot in some rest and relaxation/meditation.
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 18th Feb 18, 2:15 PM
    • 8,833 Posts
    • 51,758 Thanks
    please-let-me-be-lucky
    Sorry to hear all that BM. Sending gentle hugs your way Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in 2018 28/60
    Best win so far - holiday to Florida
    • beanielou
    • By beanielou 18th Feb 18, 8:10 PM
    • 54,991 Posts
    • 219,517 Thanks
    beanielou
    Job sounded dire so you are well out of that.
    Sorry that you are not having the best of weekend's
    Take care of you xxx
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **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.
    • Sun Addict
    • By Sun Addict 18th Feb 18, 8:32 PM
    • 5,832 Posts
    • 38,529 Thanks
    Sun Addict
    BM didn't realise you had a new diary - wondered where you'd gone.

    Sorry to read things are a bit meh at the moment, hoping this is short-lived.

    Have re-subscribed.
    Virtual Sealed Pot 2018 £296.07
    Debt £2400
    June 4 NSDs 4 AFDs
    Weight loss 0.5/6LBS
    Emergency Fund £2000/£10,000
    • Bubblesmum
    • By Bubblesmum 19th Feb 18, 9:51 PM
    • 1,074 Posts
    • 6,263 Thanks
    Bubblesmum
    Monday 19th February


    Thank you for all your lovely messages .... typed this morning ...

    Laying in bed - fatigue levels still high but need to. Be in work in just over an hour.

    Yesterday - well I made it. Christmas Day wash up meeting done and I hope more volunteers for this Christmas.

    Home and collapsed on sofa, to watch casualty on the drama channel ( old ones) and then the new Endeavour.

    Tea was a yellow stickered meal from the garage Mr M & Mr S - not bad and better than a takeaway/roast at pub as both had no spoons left to cook.

    Had truce with OH before we went out. Trouble is we are so chalk and cheese we rub each other up the wrong way at times. Plus yesterday my peri menopausal hormones seemed to be raging.

    This morning my eyes are itching with tiredness and I have less spoons than yesterday but I cannot duck out of work. Counting down the days now 5 to go.

    So I made it to work..... but not the lent study group, I have sofa surfed since I got in binging on casualties old and new

    Now in bed with hot chocolate and nearly lights out.

    NSD and ate from the freezer / store cupboard today

    Will have to wait until Wednesday for a financial review
    Mrs B Debt £1857 @ 13/06/2017, £1790 16/06/2017
    • savingholmes
    • By savingholmes 19th Feb 18, 11:03 PM
    • 8,955 Posts
    • 17,015 Thanks
    savingholmes
    Hi Bubblesmum - sounds like you are coping well in trying circumstances. Sounds like you are a very giving person too and do a lot for others. Look after yourself too.
    Today is a new day £93/310 £10 a day Mar Challenge DFD August 2021
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