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  • FIRST POST
    • loopybecs
    • By loopybecs 4th Nov 17, 8:07 AM
    • 630Posts
    • 2,337Thanks
    loopybecs
    This Newly Single Mama Is On A Mission!!
    • #1
    • 4th Nov 17, 8:07 AM
    This Newly Single Mama Is On A Mission!! 4th Nov 17 at 8:07 AM
    I said that my last diary would be my last. But I was a different person back then...

    I had created it 12 months ago. I was a mum, with a partner of 7 years. 2 daughters who were just toddlers. A nice 3-bedroom house. And a fair bit of debt to clear.

    Fast-forward to now and I am a single mum to a 4 year old and a 2 year old, and am just about to move into a brand new apartment that I purchased. My ex bought me out of the family home. We used some of the equity to clear the credit card debt. We do however owe my parents a whopping £14.5K that I would like to clear asap!! Plus I am planning on making overpayments on my new mortgage... as I only have me to rely on now I want to be financially secure.

    Me and my ex are on good terms but it's been HARD. We split up over 9 months ago, I am in the family home while he is living with a relative until I move out. I bought a new build as I was told it would be ready to move in in June. I didn't get the keys until 18th October! And I've had to get new flooring, new furniture etc that I couldn't sort out prior to getting the keys because the builders kept moving the date out but I'm getting there and hopefully in a week's time I'll be living there and we can both get on with our lives!!

    So, the debt!! My new mortgage is £88,000. I did the Help To Buy Scheme which was £27,500. And I owe my parents £14,500 which is a joint debt with my ex.

    No other debt thankfully and I would like it to stay that way!

    In the past when trying to clear debt I have been too frugal and as such, I have made the debt worse by going crazy and shopping like mad So I am going to try and have a nice balance between clearing debt, saving, and treating myself. I need a life, otherwise what is the point? But I do not need ANOTHER pair of black high heels so its about being sensible Hopefully it works!

    I work in Accounts part-time (25 hours a week) and I also have a work from home business. Which has taken a back seat this year due to the stress but hopefully I can pick it up once I am in the flat. I do get tax credits too as I have agreed to pay for DD2s nursery fees (£780 a month!!!).

    I will try and keep up this diary as I have enjoyed writing them in the past. I am very easily distracted though so no promises!! xxx
    Last edited by loopybecs; 09-04-2018 at 9:06 AM. Reason: Trying to be more anonymous
    Mortgage: £88,000.00 £86,372.84
    Loan From Parents: £15,300.00 £15,000.00
    Emergency Fund: £250.00/£5,000.00

    New Car Fund: £250.00/£6,000.00
    Single mama to 2 little girlies
Page 3
    • loopybecs
    • By loopybecs 15th Apr 18, 6:12 PM
    • 630 Posts
    • 2,337 Thanks
    loopybecs
    Can't believe the weekend is over already! How quick did that go?!

    I've just got home from the charity football match and it was really good a nice day out & it was great to do something different! I was hoping to get selfies with some of the famous players but that didn't happen never mind! I have selfies already with some of them from a few years ago, like Katie Price & Jake Wood

    Today has been a fairly spendy day but I haven't gone over what my friend transferred yesterday so still a win This week coming up is quite spendy but is all budgeted for, and the following week I don't have much on so it will balance out Plus all my eBay items will end and they're doing really well so far.

    Tonight I have a friend coming over and that's it. So fairly chilled which is good as I'm knackered from the busy day & the rubbish nights sleep
    Mortgage: £88,000.00 £86,372.84
    Loan From Parents: £15,300.00 £15,000.00
    Emergency Fund: £250.00/£5,000.00

    New Car Fund: £250.00/£6,000.00
    Single mama to 2 little girlies
    • loopybecs
    • By loopybecs 16th Apr 18, 1:14 PM
    • 630 Posts
    • 2,337 Thanks
    loopybecs
    Readers... help meeee!!!

    This is an awful thing to admit, but I have only just recently started paying into a pension. The amount I have in my pension pot is pathetic! I know that being almost 31 I should have had this sorted years ago but I was told by various people not to pay into a pension as itís too risky Anyway, Iím now deciding how much to pay in each month but I donít have a lot of money to play with I know Martinís web-site says take your age, half it and use that number as a percentage of your wage, but 15.5% is too much for me to lose each month. I have about 10 years to catch up with though so Iím now thinking should I forget overpaying my mortgage and just throw everything into my pension & savings?

    Thoughts?
    Mortgage: £88,000.00 £86,372.84
    Loan From Parents: £15,300.00 £15,000.00
    Emergency Fund: £250.00/£5,000.00

    New Car Fund: £250.00/£6,000.00
    Single mama to 2 little girlies
    • loopybecs
    • By loopybecs 16th Apr 18, 9:00 PM
    • 630 Posts
    • 2,337 Thanks
    loopybecs
    Feeeeeeling stresssssssed!!!

    Think of neighbours smoking so much cannabis that your whole flat stinks of it, plus kids who are either fighting with each other or crying/screaming, plus a cheap hotel website that keeps crashing when I try to book a room

    I'm giving up the hotel booking and will try at work tomorrow. Will be calling environmental health aswell regarding the disgusting habit the upstairs lot do on a daily basis (3 months now, not that I'm counting!). I've had my windows open and plug in air fresheners on since I got home, and as it's still chilly I've had to whack the heating up, so their gross hobby is costing me money! Whoever it is must just sit there all day smoking it. What a massive loser.

    In better news, my eBay bargain dress arrived today and it FITS! Woooop! It's really lovely and I'm still buzzing that I won it nothing like that ever happens to me!

    I did some food shopping earlier and was very MSE I dropped a brand on some items, like cereal and baked beans, and I got some heavily discounted decaf tea bags as I'd run out 60p per 100g! I'm getting better at this food shopping malarkey! Slow progress but it's going in the right direction

    Still don't know what to do about my pension. My mortgage repayments only pay a small amount off the capital each month, and this is not my forever home, so paying more off the mortgage is important. But at the same time I don't want to have to rely on food banks when I'm 70 decisions!
    Mortgage: £88,000.00 £86,372.84
    Loan From Parents: £15,300.00 £15,000.00
    Emergency Fund: £250.00/£5,000.00

    New Car Fund: £250.00/£6,000.00
    Single mama to 2 little girlies
    • loopybecs
    • By loopybecs 17th Apr 18, 4:49 PM
    • 630 Posts
    • 2,337 Thanks
    loopybecs
    Good afternoon diary I always feel happy when Tuesday is coming to an end! I donít know why, but I donít like Tuesdays

    Iíve been playing with figures today and I think paying a bit towards my pension, overpaying the mortgage a bit, saving a bit & paying a bit each month back to my parents is the way forward. Until DD2 is in school in September 2019 Iím just going to have to accept that itís going to be a fairly slow process. After all, I am the only earner here, I donít have a partner bringing in an extra wage to help with the bills, and £650 worth of direct debits plus a £811 nursery bill each month doesnít leave me with a lot! I think reading other peopleís diaries on here sometimes demotivates me as Iím comparing my situation with theirs, which is stupid as everyoneís circumstances are different. Iíve been too hard on myself and I realise that now. The fact Iíve managed to clear the Next account AND save £100 this month is good progress

    Still just under 2 weeks to go until pay day. My bank account still has 4 figures in it, but itís allocated to boring things Oh to be able to blow it all on a Mulberry handbag!!

    Today I booked the hotel room I was trying to book last night. Itís for a Britney Spears concert Iím going to in August Iím a huuuuuge Britney fan! This will be the 3rd time I see her The hotel was cheaper than most airbnb options which was surprising. The cheaper airbnb rooms looked awful lol so I wasnít going to book them! My friend is going to reimburse me for half so £35.00 coming my way at some point. Plus I got £3.67 cashback

    I also had my eyebrows tinted & waxed by another friend (mates rates!) and did more food shopping for stuff I couldnít fit in my basket yesterday (I go between dropping DD1 off at school and going to work, so not much time to get loads). Again, I dropped a brand on some things so it came in a bit cheaper!

    Iíve also been thinking of other ways to save money. Little things that could really make a difference, such as:

    Driving at 60mph instead of 70mph on the dual carriageway to work & back every day. This should save fuel.
    Switching off the bathroom light at night time.
    Stop procrastinating in the shower!
    Switch plugs off at the wall when not in use
    Buy cleaning products and toiletries elsewhere (can definitely get these cheaper than Tesco)
    Batch cook more

    Thereís probably more but those are all I can think of right now. Itís enough to be getting on with! Need to make them all a habit

    Tonight Iíll be bathing the girls, getting them into bed after their story, and then having my very cheap dinner (jacket potato with cheese and beans!). I think my mum is popping round too yay!
    Mortgage: £88,000.00 £86,372.84
    Loan From Parents: £15,300.00 £15,000.00
    Emergency Fund: £250.00/£5,000.00

    New Car Fund: £250.00/£6,000.00
    Single mama to 2 little girlies
    • loopybecs
    • By loopybecs 22nd Apr 18, 8:50 AM
    • 630 Posts
    • 2,337 Thanks
    loopybecs
    Good morning! It's been a few days since I last updated. To be fair I did spend a good 30 minutes typing a post 2 days ago, only for my battery to die just before I clicked 'submit reply' you can imagine my mood when that happened!

    A lot has happened this week so I'll try and split it up.

    The Good

    I am looking much healthier now that I've had a spray tan, my hair done & my nails painted with my favourite colour (pink) and blinged up with crystals! My beauty treatments are always in my budget but I've spread them out more. Now, I get my hair (£30, mates rates again!) and nails (£27-£32) done every other month instead of every 4 weeks. Unless I face bankruptcy one day I'll never stop having them done Spray tans are only if I'm going out somewhere. I didn't need to pay for my hair this time as my friend owed me money for half the hotel room that I booked last week

    It was DD2's parents evening this week and her key worker is very pleased with how she's settling into her new room. Her speech is still a bit behind what it should be, and she also mentioned how she's still in nappies (I'm not concerned as DD1 didn't go to the toilet until she was 3.5 years old and she picked it up straight away), but apart from that she's doing well. She can count to 20, sing along to nursery rhymes and has lots of friends

    I went out for a meal with a colleague and 4 ex-colleagues last night which was lovely! Loved catching up with them. The meal was expensive for what it was but the night came in under budget as we were meant to go out for drinks afterwards and we didn't, so I can't complain! One of the guys told the waitress it was another guy's birthday (it wasn't) so the whole restaurant sang happy birthday to him his face was a picture!

    The weather has been GLORIOUS the last 4 days!!!! And today is set to be the same I love it when it's sunny!! And temperatures have been hot for this time of year, the hottest April since the 1940s apparently!

    I have £400.00 in my savings account! This inevitably means I have a huge shortfall but I'm challenging myself to make it up by selling items, cutting back etc without dipping into the savings. A bit of a weird way of saving I guess but I like a challenge! I sold an item for £16 plus postage the other day and I have more items ending tonight and tomorrow. Total excluding postage so far on those stands at £55.79 plus postage

    The Bad

    My ex has been causing me stress and anxiety this week, through no fault of his own. He is sadly facing redundancy. We work for the same company (not sure if I've mentioned this before) and over the last 6 years his workload has reduced due to depot closures. There are 5 companies in the group and 3 are on the decline as that's just the way the market is going, and his work is based on these 3 companies. His work is taking only half a day to complete, so the directors obviously do not want to pay him a full time manager's salary.

    He has been given a lifeline though. One of the two other companies who are performing well have had a few people leave, so they want him to do one of the jobs. He's been training for about a month, and he hates it. He feels he is too slow at picking things up. He will be slow as its a completely new role and it's difficult, but he is 100% capable and all our colleagues say he is. One massive pro that everyone compliments him on is his accuracy. I told him it's better to be slow & accurate than quick and f**k it up! The guy who is training him is stressed out & under pressure, as he needs more staff, and has just lost his mum bless him, so training is difficult meaning that Ex is struggling to grasp it even more.

    I spoke to our MD about it all and he said Ex needs to tell the general manager of that particular company that he can't progress as quickly as he wants because the training is too brief. He also said he believes Ex is capable for this role, and that he 'needs to pull his socks up'.

    I've had many conversations with him this week, and in a nutshell, he is highly anxious and I'm 99% sure he's also depressed. He doesn't want to do things that he used to love doing, he doesn't socialise, has no motivation to do anything. He just feels sad all the time. He's also not sleeping. It's really awful to see him like this So I've persuaded him to see a doctor tomorrow. Fingers crossed he does and we can actually start getting him back to his old self and nail this new job role!!

    The Ugly

    Due to the above, I spent £10.00 on lottery tickets But it's not all bad! I won £3 which I spent on more tickets, and won £10, so I have my money back I just wanted to win a big number so that Ex didn't have to worry about work

    3 celebrities have died in the last 3 days and the word 'depression' has been used on at least 2 of them. All male. Mental health needs to be discussed so much more, particularly with men. The fact that these deaths may be due to suicide scares me so much I'm doing a 25km trek across London in September for a mental health charity as its a subject close to my heart. Depression & anxiety is no fun.

    Today

    Right, time to get on with the day! I need to get some food in, do a bit of cleaning, but otherwise I might just go and sunbathe I get the girls back at 5pm so free until then.

    I also need to call the place where DD1 wants her party. They said they'd call me back but haven't and I really need to get it booked as the date I want it for is in less than 4 weeks!

    Well done if you made it to the end of this epic post!! It's used 9% of my battery lol, better submit quick before I lose it again!!
    Mortgage: £88,000.00 £86,372.84
    Loan From Parents: £15,300.00 £15,000.00
    Emergency Fund: £250.00/£5,000.00

    New Car Fund: £250.00/£6,000.00
    Single mama to 2 little girlies
    • TallyMac
    • By TallyMac 22nd Apr 18, 2:09 PM
    • 27 Posts
    • 39 Thanks
    TallyMac
    Hi Becs, your diary is great and you sound so motivated! I just had to comment and agree with you about men!!!8217;s mental health. It has not been documented Or spoken about enough but I think attitudes are slowly changing. Thankfully. Well done on all of your hard work, I!!!8217;ve subscribed xx
    • loopybecs
    • By loopybecs 22nd Apr 18, 9:21 PM
    • 630 Posts
    • 2,337 Thanks
    loopybecs
    Thank you Tally! Yes, itís definitely better than it was, but still feels like a long way to go. I managed to spot a male friend suffering a few months ago, and after me nagging him, he went to the doctors and got put on the strongest dose of antidepressants, and had therapy. Now he is like a new person So proud of him. Heís doing the charity event with me.

    Thought Iíd better come on here because Iíve spent some money Firstly I spent £20 on DD1ís party deposit, but Ex will reimburse me at the end of the month as he is paying for her party (he owes me money so I just told him to pay for the party instead). I also bought 2 summer school dresses for DD1 and 2 dresses for DD2 for nursery. Both were on a multibuy offer though and as long as the weather continues to stay warm, theyíll get used a lot! My mum came with me when I went shopping and she bought me a chocolate cooler thing from Costa bless her (and nicked my Costa rewards card so that I got the points!!) and we drunk them outside in the sun overlooking the lake. It was lush

    Aswell as the clothes I also had to get petrol (I absolutely HATE getting petrol, itís such an UGHHHHH job! ) and some food for tonightís dinner. Dinner was not MSE but it was healthy, quick to cook and a real treat as Iíd not had it in months! Sea bass with some mixed vegetables.

    Canít wait to update the spreadsheet tomorrow at work after all that...

    The flat has been scrubbed, polished and vacuumed, and the towels have been washed so now everything smells amazing. I do love it when itís all clean! If only I washed the bed sheets too

    Ex had a bad day with the girls apparently (and I believe him, as between him dropping them off at 5pm and me putting them to bed at 7pm they were a handful! Especially DD2). Heís decided heís not going to the doctors tomorrow as he thinks heís just feeling sorry for himself. Iím really disappointed but I canít make him. On the plus side he asked me to swap an evening next month. I say Ďon the plus sideí because I know he saw a lot of his family today (it was his dadís surprise birthday party) and Iím fairly sure his BIL asked him to go out one day/evening. I told Exís sister that I was worried about him the other day and explained why, so she said she would get her husband to drag him out so looks like he has done. Itís a start! I know heís got a long way to go but itís nice he has something to look forward to.

    Tomorrow I need to post one of the eBay items that sold today and get packaging for the rest. I also need to write out DD1ís party invitations so that she can take them into school on Tuesday. The sooner thatís done the better as itís only 4 weeks away and people take ages to respond!

    Going to log off now as I have a headache. Iím guessing Iím dehydrated
    Mortgage: £88,000.00 £86,372.84
    Loan From Parents: £15,300.00 £15,000.00
    Emergency Fund: £250.00/£5,000.00

    New Car Fund: £250.00/£6,000.00
    Single mama to 2 little girlies
    • monz
    • By monz 23rd Apr 18, 10:57 AM
    • 3,342 Posts
    • 11,092 Thanks
    monz
    Following your diary, from one single mum to another you can do it xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house pot for bobs after fees : 33
    car PCP - 948.95/11848.25 mum and dad £1,300/£4,000 mortgage - £83,378 o/s currently - paid £934.10 (£19.65 overpayment)
    Christmas - 0/500
    • loopybecs
    • By loopybecs 23rd Apr 18, 7:36 PM
    • 630 Posts
    • 2,337 Thanks
    loopybecs
    Thanks monz!

    Today hasnít been the best of days but it is a Monday! So Iíll try & ignore the rude management accountant who I thought was nice, and the ungrateful ebayer who bought an item from me, and just focus on the positives! Like the new Royal Babyyyy!!! Squeeeee!!!! He looks a beaut and Kate looks fabulous as always! Walking in heels a few hours after giving birth. I couldnít walk at all

    I have £77.79 sitting in my paypal account. Obviously some of it will be needed for eBay listing fees, and some was for postage but so far Iíve only had to post 2 items as I posted one through work and my colleague delivered the other one for me, as the buyer lives a mile away from him Will need to get him a small thank you gift like a chocolate bar I have another item to post tomorrow, and possibly one more as the listing finishes tonight. It has 10 minutes to go in fact, and is at £28.00 plus postage hoping it goes up a tad more as there are 12 people watching it.

    I updated my spreadsheet today at work and the situation is I need to find about £320.00. Ish. By the end of May. Hmmmm, maybe I can ask for a money tree for my birthday?! I have a feeling it will be more as Iíve not budgeted for things like soft play for the kids. Then again if the weatherís nice itíll be parks and running around a field with a football all lovely & free!

    DD1ís invitations have now been written out so I will ask her teacher to put them in the childrenís bookbags tomorrow. Unfortunately we canít invite the whole class so to save children getting upset it needs to be done discreetly. I feel bad but 30 kids, plus DD2, plus a couple of others outside of school = a lot of money!! And the party venue is cheap! £7 per child including food and party bags

    I needed to nip into Tesco after picking DD1 up from school. Big mistake! She cried when there was no free fruit available (so I had to ask the staff who kindly gave her an apple) and then she needed the toilet at the worst possible moment lol. This is why I normally shop alone, so much quicker

    Ex is pretty much the same today as he has been in recent weeks. But I spoke to a colleague today about him as she knows him almost as much as me. This situation will sound weird to you readers but I promise we are all friends She is his ex too. They got together back in 1996, had a baby, who is now one of my girlsí half brothers and 20 years old, and then split in 2000. Both still working there! Anyway she said he went through similar when they split, and also happened to be learning a new job then too. She thinks this is just his way of coping, and feels like he enjoys being a bit miserable, which I didnít agree with really. She said she would get their son to have a chat with him, although thatís a challenge in itself as heís a chip off the old block

    Oh, the listing for that item has just finished... £49.16 plus postage!!! What a jump from £28 a few minutes ago!!
    Mortgage: £88,000.00 £86,372.84
    Loan From Parents: £15,300.00 £15,000.00
    Emergency Fund: £250.00/£5,000.00

    New Car Fund: £250.00/£6,000.00
    Single mama to 2 little girlies
    • pollyanna24
    • By pollyanna24 24th Apr 18, 3:26 PM
    • 3,868 Posts
    • 4,728 Thanks
    pollyanna24
    I just thought I would post a reply to you. Love the diary. You sound exactly like me, cept I'm 37 now and my kids are a few years older. But I remember your stage so well when my ex upped and left 7 years ago leaving me with a 2yr old and a 2month old. Eek!!

    Even the bits about loving Britney and hating putting petrol in. Haha, thought your posts were from me a few years ago that I had forgotten writing!

    But then I spotted your height in one of your posts and realised it was definitely not me!

    Good luck with your journey. I would subscribe, but can never figure out how to do it.

    PS. The girls will get easier. I feel I can enjoy my two a lot more now they are 7 and 9, and wish I could freeze their ages for a bit. I've been saying this for a few years now, so hopefully you won't have long for the tantrums to ease out.
    Pink Sproglettes born 2008 and 2010
    House Worth (approx) - £400,000
    Mortgages (3rd Nov 2017) - £180,813.85
    Equity - £219,186.15
    • loopybecs
    • By loopybecs 24th Apr 18, 7:13 PM
    • 630 Posts
    • 2,337 Thanks
    loopybecs
    Thanks pollyanna! I am on the old version of this forum still so no idea how you subscribe on the new version!
    Iíve got 4 years until my girls are 7 and 9 really do hope it gets easier as DD2 had the mother of all tantrums tonight. Literally never seen her act like that before Why? Because I gave her A BATH!!! The evil mother I am Fully expecting one of the neighbours to call social services as anyone would think I was murdering her! DD1 has been challenging tonight aswell. So no smiley face on her sticker chart

    The last of the eBay items were posted out today Unfortunately the item that sold last night was going to someone in Spain with zero feedback. Luckily a friend I have in Kent wanted it for the same price, plus another item I have thatís similar, so I posted it to her instead sheís paying me tomorrow. The eBay selling fees will be credited in 24 hours apparently!

    DD1ís party invitations were delivered today hoping the parents get back to me soon as if some kids canít make it Iíd like to invite others, as I could only invite a third of the class.

    I have increased my pension contributions at work from 3% to 8%, to start next month My pension pot is poor right now as Iíve not long started it (only thanks to auto enrolment I have one now!) so although Iím not exactly rolling in money, I feel this is important, and I have been working for 14 years without paying hardly anything so I have to play catch up! I want to be able to spoil my future grandchildren, and go on cruises, and do all those expensive things the older generation do

    Iíve also joined our death in service scheme and in the event that I die whilst employed by the company, a lump sum (unsure how much yet) will go to my ex. Peace of mind knowing that he will be financially ok looking after the girls, and with my life insurance too theyíll have a mortgage-free 2 bed apartment. I need to sort a Will out next really.

    Iím going to ask my MD this week if he is willing to support me financially while I study ACCA. Iím fully expecting him to say no, but if you donít ask you donít get! He wants me to do full time and hasnít offered me more money per hour, so if he says yes to this, then Iíll work full-time for him. If he says no then Iíll be updating my CV and will start job hunting. If Iím going back full time it needs to be worth while, and right now it isnít. DD1 would have to go to a childminder and Iím not going to put her through that if thereís no benefit. I would really love to be fully qualified in the next 4-5 years, it would bring me so many more opportunities and the salary would be twice as much as what Iím on now, maybe more. Right now, I canít progress any further without doing the course, so I really need to do it. It will be very difficult but I know Iím self-disciplined and will give it the time it needs. Better to start now than later I have a friend who completed his ACCA last year and I know heíll help me if I ask him. M at work is doing his CIMA but heíd also be able to help me I think as there will be similarities. Plus the temporary MA teaches a few accountancy courses so Iím sure she could help, at a cost (and Iíd forgive her for her rudeness yesterday ).

    Dinner tonight was a delicious salmon fillet with baby potatoes and leftover mixed veg. I need to go back to more MSE meals! Salmon is my favourite though and I couldnít resist when I was shopping yesterday Tomorrow night Iím going out for dinner but itíll be free for me so from Thursday Iíll try eating cheaper meals. Lunch is normally beans on toast (25p for the tin of (reduced salt & sugar) beans, and 2 slices of wholemeal bread with some light Flora so not expensive at all) and breakfast is Weetabix (supermarket brand) most of the time. Snacks are my biggest challenge as Iím a massive chocoholic and would happily stuff my face with 12 Mars bars every day I buy fruit but other than that I struggle with healthy snacks. Rice cakes bore me. I used to buy them Nakd bars but £2.75 for 4 little bars is wayyyy too pricey. The other option is to eat more during meal times so I snack less

    The girls are now in bed (yay to peace & quiet!) so Iím going to chill out before going to sleep myself wonít be long, I was up 6 times last night
    Mortgage: £88,000.00 £86,372.84
    Loan From Parents: £15,300.00 £15,000.00
    Emergency Fund: £250.00/£5,000.00

    New Car Fund: £250.00/£6,000.00
    Single mama to 2 little girlies
    • pollyanna24
    • By pollyanna24 25th Apr 18, 1:13 PM
    • 3,868 Posts
    • 4,728 Thanks
    pollyanna24
    It will get better I promise. Although this morning, I felt like the worst mother as my 7 year old has a really red cheek. She was sent home from school yesterday (thank the lord for my Mum as I work over an hour away in London), but there is nothing wrong with her besides a red cheek. It appears she was playing with cream a few days ago and looks like an allergic reaction. I told her to go to school, but if it got worse, to get the school to ring me, but to leave it a couple of hours, so they wouldn't try and drag me back from my journey to work. My bad!

    I really decided to post again just to point out more similarities. I wanted to do the ACCA, but I can't justify it. I don't know if it will go anywhere. At the moment, I am in a steady job, but who knows for how long. I can't afford to study on a whim. Plus, there's the starting at the bottom at the age of almost 40. Eek.
    Pink Sproglettes born 2008 and 2010
    House Worth (approx) - £400,000
    Mortgages (3rd Nov 2017) - £180,813.85
    Equity - £219,186.15
    • pollyanna24
    • By pollyanna24 25th Apr 18, 1:18 PM
    • 3,868 Posts
    • 4,728 Thanks
    pollyanna24
    Oh yeah, and I also meant to comment on the tax credits situation. When me and my ex split, we had an overpayment of about £5K (not really our fault, but hey ho).

    I rang up and cried down the phone. Am now paying off my half of the debt over 10 years. That was the longest they would let me pay it off in, but as long as they get their money, guess they're happy.
    Pink Sproglettes born 2008 and 2010
    House Worth (approx) - £400,000
    Mortgages (3rd Nov 2017) - £180,813.85
    Equity - £219,186.15
    • loopybecs
    • By loopybecs 25th Apr 18, 5:55 PM
    • 630 Posts
    • 2,337 Thanks
    loopybecs
    Thatís a relief about the tax credits situation. My renewal pack came the other day, so when I get my P60 next week Iíll be filling it in straight away and sending it off. And Iíll be a nervous wreck until I know the outcome! Even though the last guy said it looked like I was owed money from them

    Iíve been looking into the costs of doing ACCA today. Unfortunately I can not find my AAT Level 4 certificate (but can find level 3!) so I might have to pay for a copy if ACCA need it for the exemptions. My M.D. isnít in until next week so I canít discuss it with him yet like I hoped but thatís ok, it gives me more time to prepare. Iíve also done half of my CV so that I can start applying for new jobs. Hope to finish it off by the weekend

    Payroll have screwed up my increase in pension contributions by activating it now rather than next month like I requested (I asked to see my pay slip early as I wasnít sure if my tax code had changed). Itís not a big deal really...obviously it means Iíve got even less to play with now, but Iíll be thankful when Iím 60 lol. I need to find £325 to make everything balance by the end of May according to my spreadsheet. Realistically itíll be more than that

    Got lots of little jobs done today like paying for a school trip for DD1 & shredding some old paperwork I found in my kitchen drawer. I also popped in to see my parents after the school run as itís my maternal grandmotherís anniversary today. 13 years, the big C my mum seemed in good spirits though. Think she was pleased to see me & DD1 Dad was helping me with my CV while I was there as he has a fancy template that apparently all employers like to see?!

    Iím going out for a meal tonight which Iím very excited about even the awful weather isnít dampening my mood!! Itís at my favourite restaurant. Best get ready as I currently look like a drowned rat
    Mortgage: £88,000.00 £86,372.84
    Loan From Parents: £15,300.00 £15,000.00
    Emergency Fund: £250.00/£5,000.00

    New Car Fund: £250.00/£6,000.00
    Single mama to 2 little girlies
    • loopybecs
    • By loopybecs 26th Apr 18, 1:02 PM
    • 630 Posts
    • 2,337 Thanks
    loopybecs
    Well the meal didnít disappoint! It was soooo so nice the service was slow but it didnít really bother me as I was too busy chatting away. So grateful that it didnít cost me a penny!

    Iíve banked 16.25 hours at work. Normally Iíd take it off in lieu, but I have 16 days holiday to take by the end of August, so it would make more sense to be paid for it. And letís face it, I could do with the money! A rough calculation says my net pay would increase by £140.00. Spoke to M about it but he said he needs authorisation from a director first. Both directors are out of the office visiting my boss (who had a stroke 2.5 months ago) at the hospital so Iíve e-mailed the M.D. asking him. Hoping he says yes but knowing him heíll say no!!!

    Not much else going on today really. I need to go to Tesco after picking DD1 up from school... hopefully thereíll be some free fruit for her to choose from this time so that she doesnít stand there crying & make me hunt for some My pregnant friend is coming round tonight for a catch up and to pick up some wax melts Iíve had in my flat since I moved in that were originally for her Iíve seen her a couple of times but kept forgetting to give her them!

    I must do some washing today too as Iím going to be washing all the bed sheets this weekend, as I have my friend who lives 160 miles away staying over on Saturday night canít wait!!! Another friend of ours will be popping over too so Iíll get some pizzas & garlic bread. Other friend is going to bring salad. I have 2 bottles of wine that was gifted to me so we can drink those Really looking forward to having a nice girls night in

    Time for me to go back to work
    Mortgage: £88,000.00 £86,372.84
    Loan From Parents: £15,300.00 £15,000.00
    Emergency Fund: £250.00/£5,000.00

    New Car Fund: £250.00/£6,000.00
    Single mama to 2 little girlies
    • loopybecs
    • By loopybecs 26th Apr 18, 9:06 PM
    • 630 Posts
    • 2,337 Thanks
    loopybecs
    My pregnant friend cancelled so I've spent the evening doing MSE things Readers, and Martin, you'll be so proud!!

    Firstly I put 5 items on eBay. 4 dresses and a leather jacket (I didn't think it was real leather, I was actually shocked when I read the label ). I've put them on a 10 day listing so they finish on a Sunday night, which is meant to be the most successful time. I'm hoping to get more up before they finish, I have a storage cupboard full of stuff!!

    Then I researched cheaper life insurance quotes as mine seems really high. My monthly payment is £49.71 with Royal London, and I'm wondering if my mortgage broker gets a commission from them as he was very keen on me going with them. It includes income protection but that's only £6.82 of the cost. I got something in the post from Legal & General yesterday so I've checked their website, and to get their lowest cover (which would pay off my mortgage and have some change) would cost me £6 a month!!!! No income protection but I can add that if I want to and it would still be much cheaper than what I pay now. I've e-mailed Royal London about cancelling and asked how much notice I need to give.

    The final MSE task was switching my energy supplier. I'm with British Gas and pay £53.45 a month - £9.71 for electricity & £43.74 for gas (I like having the heating on way more than I should ). Martin's e-mail prompted me to register with his MSE Energy Club, and once I put all the information in, it said my estimated monthly saving if I switched to Bulb would be £16. Plus I'd get £25 3 months after switching So I've started the switching process! I've never heard of Bulb but their customer reviews looked positive. There were cheaper options but there wasn't enough feedback on those so I didn't feel confident.

    That's enough money saving tasks for today I think

    Tesco was a much easier shop today. DD1 got her beloved apple, no toilet stops were needed, and I managed to get some discounted things that were already on my list 4 people have replied to her party invitations already, so just another 9 to go She keeps asking me every day how many days it is until her birthday. She doesn't like that it's my birthday first! DD2 apparently had a lovely day in nursery and was very happy & chatty when I saw her. She is looking more & more grown up every day

    I've done some laundry and was meant to clean the bathroom but I couldn't be bothered! I'll do it tomorrow. I'm going to write some birthday present ideas for my mum (she insists I do, and if I don't, she will buy me stuff anyway and I might not like it lol) and then will probably go to sleep
    Mortgage: £88,000.00 £86,372.84
    Loan From Parents: £15,300.00 £15,000.00
    Emergency Fund: £250.00/£5,000.00

    New Car Fund: £250.00/£6,000.00
    Single mama to 2 little girlies
    • loopybecs
    • By loopybecs 27th Apr 18, 4:21 PM
    • 630 Posts
    • 2,337 Thanks
    loopybecs
    Wow, what a miserable & depressing day! A week ago it was 25 degrees, sunny & gorgeous. Today it is 7 degrees, windy & thereís been so much rain Really hope the spring weather returns as I honestly lived it last weekend!!

    Itís been a bit of a sad day today, much like the weather. Our technical director updated us with our managerís condition and itís really not good. Today marks 11 weeks since the stroke happened and he still canít use his left side, his right side is weak, he can not swallow, he can only say Ďyesí and Ďnoí and he has inevitably lost a lot of weight. I cried when I was told He wasnít just a boss, he was also a father figure. I was 19 when we met and heís done so much for me & my career. Sure, there were times when we rubbed each other up the wrong way (he thought I was too chatty, & I thought he was too strict on some of our policies) but most of the time we worked well together. I am heartbroken that heís still so poorly

    Itís made me think about life in general. This man is a chartered accountant, and has worked so hard all of his life. He turned 70 in December but didnít look or act his age, and loved coming to work despite the commute and stress. He was going to retire next year as thatís when his wife will retire (sheís quite a bit younger than him). And now look. All that hard work, all that money... and he canít enjoy it He might not get better. He certainly wonít get back to Ďnormalí. So whatís the answer? Well, for me I plan to graft & work my booty off in my 30s and 40s. Maybe a bit into my 50s but then I want to slow down. Health issues crop up as we get older and working hard when youíre approaching 60 can be a recipe for disaster. My boss had a triple heart bypass 4 years ago (he was only going in for a shoulder operation!), so he shouldíve at least went part-time after that. Maybe if he had he wouldnít be so ill now? Who knows.

    Life is about balance. You need to plan for the future, but you also need to enjoy the now. Otherwise whatís the point? Tomorrow isnít guaranteed but itís likely we will all wake up in the morning and do Saturday like we normally do. So Iím going to save a bit & spend a bit

    Right, something positive now before I lose all my readers I have somehow only spent £129 on groceries, cleaning products and nappies this month Normally itís around £200! The only thing I can think of is there have been 4 evenings this month when I went out for dinner (2 being the hen do, and then 2 evening meals in the last week) so I didnít eat at home. Also Iíve been eating cheaper meals, like jacket potatoes with cheese & beans, and Iíve dropped a brand on whatever I can Hoping I can do a similar spend next month! I have dinner plans on 5th May for my birthday with some friends, and I think the 6th wonít be an eat at home day too, but thatís it so far.

    Birthday list was sent to my mum this morning as instructed Then my dad texts me with ďwhat sort of laptop do you want?Ē My list included money towards a laptop but now Iím worried theyíre going to buy me one! I certainly wouldnít expect such a big gift from them and told them money towards it is more than lovely! I only want a basic one anyway so I can get MS Office and play with spreadsheets at home lol, what a geek...

    I transferred my Paypal monies into my current account today so itís looking a bit healthier! I already have 1 bid on the jacket Iím selling but the dresses have no watchers or anything so I donít think theyíre going to do well. To be honest I expected just as much but itís a shame because I spent so much money on them. Lesson learnt!

    Tonight I have the girls so wonít be doing a lot once theyíre in bed. Iím feeling pretty tired though (crying makes me tired lol) so I might get an early night At least then Iíll be feeling refreshed for when my friend comes down to stay!!
    Mortgage: £88,000.00 £86,372.84
    Loan From Parents: £15,300.00 £15,000.00
    Emergency Fund: £250.00/£5,000.00

    New Car Fund: £250.00/£6,000.00
    Single mama to 2 little girlies
    • Honeysucklelou2
    • By Honeysucklelou2 28th Apr 18, 5:57 AM
    • 1,079 Posts
    • 5,008 Thanks
    Honeysucklelou2
    Sorry to read about your boss. My dad is almost 70 and still works full time and there are others of the same age in the company who are still working long hours. Seems that there are more and more like him.
    paydbx #93 £804.50/£8,000.
    Loan £17k - paid off in Aug 2017. Home improvement loans £3342 March 2017. £2994 in Aug 18
    • Cumbria lass
    • By Cumbria lass 28th Apr 18, 8:10 AM
    • 2,192 Posts
    • 13,404 Thanks
    Cumbria lass
    Just delurking to say I really enjoy your diary ,even though I don't comment on it . I have DGC a similar age to your 2 children . I think you are doing really well .

    Working at 70 is ok for some , but you hear about so many people who don't get to enjoy their retirement. Have a good weekend . It's really cold here as well.
    CC1 £221 /£3718
    • loopybecs
    • By loopybecs 28th Apr 18, 11:40 AM
    • 630 Posts
    • 2,337 Thanks
    loopybecs
    Thank you both. My exís mortgage currently ends when heís 69, so at this rate heíll be just the same and working full-time at 70. Luckily his house is in a really lovely area and a minuteís walk from the best school in the town we live in, so he may sell it and buy something cheaper nearer the time. Thatís a long way off yet though!

    I put some old stock relating to the side job I did on eBay a few weeks ago on Buy It Now and it sold this morning A nice surprise as there wasnít many people watching it or anything so I certainly wasnít expecting it to sell for the full asking price! I have already been out to post it so thatís all taken care of and I have £30 in my PayPal account The only thing Iím worried about is the buyer has zero feedback. Hoping that no problems occur, Iím always wary!

    My friend has just messaged to say sheís about to set off really looking forward to seeing her! I still need to buy the pizzas & garlic bread - I was going to go to the supermarket this morning via the Post Office, but halfway through the journey I realised I had left my bathroom and bedroom windows open. My flat is ground floor and thereís only a fence separating us from a park that is featured in the local police Facebook page almost every week - this week it was about a 10 year old girl whoíd been sexually assaulted by a teenager So I just bought a few bits on my shopping list at the shop where the PO is (bread, milk & bleach) and will get the rest later, probably after Iíve dropped the girls off at their dadís. Itís raining and food shopping with DD2 always ends up with us both feeling stressed, so Iíll avoid!

    Currently cleaning the bathroom while the girls do some colouring will get their lunch soon and then I can start cleaning the kitchen and dust the furniture. The bed sheets have already been washed everyone knows how happy this makes me
    Mortgage: £88,000.00 £86,372.84
    Loan From Parents: £15,300.00 £15,000.00
    Emergency Fund: £250.00/£5,000.00

    New Car Fund: £250.00/£6,000.00
    Single mama to 2 little girlies
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