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    • Drawingaline
    • By Drawingaline 4th Dec 17, 9:37 AM
    • 414Posts
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    Drawingaline
    Drawing a line under the debt. Take two.
    • #1
    • 4th Dec 17, 9:37 AM
    Drawing a line under the debt. Take two. 4th Dec 17 at 9:37 AM
    So, I can't believe that I haven't updated my diary since the end of march. So much has happened in that time I feel a fresh new one is better. Here is the link to my previous one.

    http://forums.moneysavingexpert.com/showthread.php?t=5585379

    So what has happened. Well my husband FINALLY got a job! He was made redundant in April 2016 and started a new role in June 2017. In that time I was holding down two part time jobs so that we could pay the mortgage and bills and in that time I also made a bit of a dent in the debt we owed. The role he got was originally a six month contract through an agency so we were obviously concerned for the future, but within a month he was invited to apply for a full time position and got it. So since the end of September he has been back in a permanent role, and we have no concern that he won't pass his probationary period which is up just after Xmas. The job is also with a very good company, and he gets a discount card for two shops so that is great too. The only downside is that he has to take two trains to get there which is about £300 a month and he is only on what he was on in his previous job, but due to our finances being in much better shape now it is doable.

    I started YNAB in Oct 16 and have used it very carefully for the past year. I adore it and plan to keep it forever

    So what has been happening to the debt. Last time I was here I had cleared our big loan due to wanting to avoid having too much in savings because of a massive mistake by the job centre with my husband's JSA claim. He signed off the week after the interview we had with them and I was planning to xfer the child benefit to his name for his NI to be paid but then he landed the job. We have heard nothing from them at all. I still think they may try to claw back the money that we received that we shouldn't have and of course if that happens we will dispute it as we didn't lie or omit anything, it was a massive error in their part, but we will pay money back if we have to. But nothing, not a word at all

    I had managed to get the debt down from 22k to 17k with aggressive debt payments but in may I received a decent sized inheritance from a family member. Enough to buy a new (to us) car (mine finally died in early September at 17yrs old) clear 10k of debt and do some of the much needed home improvements. The reason I didn't clear all the debts was that we would have been left with nothing at all for the home improvements (and I was bored of having half a kitchen and no bath) and our back fence fell down in July so we have had a lovely new back fence out up, and am getting the back garden landscaped, had a new bathroom put in, finished the kitchen (apart from tiling, need to save for this) plastered the rest of the house, and had some new carpets out in. The relative that left the money was huge on owning your own property and I felt I needed to use some of the money to add value to the house. There is still stuff to do and I am saving for that now.

    So our debt stands at about 8k total. One loan and one interest free credit card. My go going forward is to not add to that and clear the credit card within the time limit.

    This coming year we are planning two big holidays so everything spare is going towards that, I need £3500 by the end of march, I have £1000 towards that already but debt busting will be taking a bit of a backseat while I get all this money together.

    Personally, I have quit one of my jobs. Once we knew my husband was employed full time by the company we looked at the finances and due to some quite serious issues our smallest child is having ongoing at school, we decided it was important that I was home more in the evening. Also the company that took us over a year ago are a shocking company to work for so the decision was an easy one to make and I quit my evening job. I miss it so much, it was a job I adored and I loved most of the people I worked with. But it was right for us as a family. So now I am self employed school hours, mon-fri, which is hard work. I get no time to myself and feel I am constantly playing catch up at home, but it needed to be done. The smallest boy did improve quite a bit after I finished work, but this past week has had a huge backslide again

    Anyway enough about me now, I am off to catch up on the diaries I used to follow to see what everyone has been up to. So pleased to be back
Page 3
    • Drawingaline
    • By Drawingaline 5th Feb 18, 10:35 AM
    • 414 Posts
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    Drawingaline
    So a new week!

    Quick break at work to catch up. Went and saw my mum on Saturday, we have a tentative truce, but I am still so upset by the whole incident. Also spoke to my dad about the possibility of some more money from an inheritance. (He mentioned last year there was more to come) he has decided to keep hold of the last portion (it all went to him, he generously passed some down) but any of us children can access it if we have a massive need, a third we can keep the rest we would pay back. This is fab, my third would almost clear our debt, but it's not 'my' money so at least now I know what my budget looks like for the coming year (the idea some more money might trickle down at some point was weighing on me a bit) but also means that we do have a cushion if anything dire happens.

    Most categories in ynab are bare and I am having to shift a bit around to cover food spending. This month our food bill has been HIGH! A change in supermarket (even with discount) always incurs extra spending for the first month I think as we get used to it, I need to set up online shopping as going into the store is not helping. Also that wonderful subject food tech has reared its ugly head, the girl is making flapjacks today (luckily all ingredients in stock as she mentioned it last night at 8pm ) and the boy is doing carrot cake tomorrow, so will possibly need to dash out and grab something for that.

    I stupidly haven't made my sandwiches for today, and I will need to eat (trouble with a physical job, I can't skip a meal) so will have to rob a category to cover that

    I get paid around the 11th, so just one more week to limp through, and food money is available from the 13th, but will probably order the shopping for next Monday, and them enter it in ynab for the Tuesday, use the buffer to cover it. I often have to do this depending on delivery slots etc.

    I paid for the boys passport renewal online but I have the forms filled out for post office check and send for the little twos as theirs are new ones and wanted the added security. I am off to the vicars tonight to get them all countersigned, then hopefully in the post sometime this week! Hoping the boys is back within a week so I can give the school his passport number (he is going abroad with them in may half term) and also need to order the European health card things too.

    I need a list I think! Anyway break over, radio back on, and back to it.
    • Mumoffourkids
    • By Mumoffourkids 5th Feb 18, 11:01 AM
    • 592 Posts
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    Mumoffourkids
    Arrgghhh, food tech. I know how you feel about that one. Dd2 has it on a Monday as well. All her homework is on an app and she kept checking all weekend to see what stuff she had to bring in, but nothing was on there. Cue daughter panicking. So I said go and see your teacher first thing this morning, find out what you need, text me and I'll bring it in. No text yet so I am assuming she doesn't need anything. The school does have a very good policy that if it is certain ingredients that you don't need a lot of or they are basic supplies like flour, I pay £10 a year and the school provides them. Good policy but doesn't stop my daughter from panicking because she thinks she is going to get in trouble for not bringing anything in!
    Total debt Dec 2017 £23090.83
    Mar 2018 £6247.86 72.94% paid
    Emergency fund £472.50/£600
    Total Savings £1704.02
    • FiscalPickle
    • By FiscalPickle 5th Feb 18, 5:08 PM
    • 103 Posts
    • 248 Thanks
    FiscalPickle

    I stupidly haven't made my sandwiches for today, and I will need to eat (trouble with a physical job, I can't skip a meal) so will have to rob a category to cover that
    Originally posted by Drawingaline
    This is very familiar, I keep doing this at least once a week. Around 11am I realise my lunch is in the home fridge, or I forgot completely. It's very annoying!
    DFD - 26/10/19
    In the process of shedding £20k and 35lbs
    • Drawingaline
    • By Drawingaline 5th Feb 18, 9:16 PM
    • 414 Posts
    • 1,404 Thanks
    Drawingaline
    Mumoffourkids, the girls flapjacks turned into pat crumble as apparently there was no time for them to cool before cutting. We had it with custard and it was very nice.

    I tried checking for the boys ingredients but nothing posted, sent him a text to find out, but he said the teacher wasn't in. He isn't the kind to panicking, my daughter sounds like yours, she once did some re homework at 11 on a Sunday because it said it needed to be in on the Monday and she didn't have re until the Thursday. Obviously the teacher just got the date wrong, but we had floods of tears and stress!

    Saw the vicar tonight, so all passports ready for posting. Need to find time to get to town and do them. We go swimming on Thursday so will go in early I think, just means we don't eat until late, and definitely no money left anywhere in the budget for eating out!

    I have finally done my online food order for next Monday morning. Involved ringing up and finding out how to add the discount card, but all sorted. Taken the chance to stock up on cupboard items and freezer, it's the sandwich stuff and fridge items that always run out too soon.

    Spoke to my mil, her train is booked for next week, so my childcare is sorted for some of half term. I may try and shift some jobs about so I can get at least an afternoon off to spend with her. I need to speak to my sister about having the little two on the Monday's, but since the incident with my mother the smallest is very reluctant to leave me and the house. Hoping he should be ok at my sister's for a few hours. I take the big two with me on some jobs in the holidays, they like to earn a bit of extra cash (last summer the girl earnt £80!) And as long as the clients don't mind it means we can get through the jobs quicker too.

    Anyway the smallest won't sleep without me so off to lie down with him. And then make my lunch for tomorrow.
    • Drawingaline
    • By Drawingaline 7th Feb 18, 10:31 AM
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    Drawingaline
    So yesterday the mirror glass fell out of one of my wing mirrors! No idea how, I had it when I reversed out of a driveway, 5mins later went to overtake and it was gone. Stopped off at the garage, all ordered and am going in today after work to get it fixed. Around £30 apparently, so not too bad and I have £150 in car maintenance, glad I didn't need new tyres at the weekend!

    Was at the post office depot at 7am to pay custom charges in a parcel my hubby ordered. Not impressed, but as he can't drive he can't get there, but he kept on about when was I going,I swear he thinks I sit at home all day and don't actually go to work! He now owes me £12.

    Ordered the present for my son's birthday this weekend, should come today, no one will be ins o will have to no doubt, make another trip to pick it up unless a neighbour takes it in. It MAY go through the letterbox depending on how it is packaged.

    This weekend looks super cold. Don't think we will be up to walking around a wildlife park. Am going to have to rethink our activities for one of the days I think.

    Money wise, not much to report. My online shop coming on Monday is HUGE but have stocked up on so much stuff so should work out on in the end. Also I have £350 saved for this weekend, I don't think we will spend that so will roll any left over money into doing something for
    Hubby's birthday in April. Possibly Legoland, but I still hate the idea of £200 for entrance somewhere,too many kids but we are close enough (about 45min drive) so not much on travel and we haven't really done days out like that for a long time.

    I have my lunch today, so no last minute rushing to the shop, and have all the passport forms so hopefully will get to town after having the car fixed so can send them all off. Have the money all set aside for this too.
    • rexelpink
    • By rexelpink 7th Feb 18, 6:17 PM
    • 213 Posts
    • 493 Thanks
    rexelpink
    Hi drawing, sounds like you have been busy! I think you might live near me, we are about 45 mins from legoland too! (Of course you could be 45 mins the other direction!)
    Staring debt - June 2013 - £21,000
    Current debt - February 2018 - £11,378.60

    Emergency fund £500 / 100%

    Debt free one day at a time
    • Mumoffourkids
    • By Mumoffourkids 7th Feb 18, 7:31 PM
    • 592 Posts
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    Mumoffourkids
    The flapjacks sounded lovely. My daughter didn't have food tech on Monday after all, so slot of panicking about nothing. Instead she made some brownies at home. She has decided she wants to be a chef when she grows up so I have given her the responsibility of baking all the cakes at home now. I live baking but rarely have time!

    Oh and I grew up near Legoland. I remember it being Windsor Safari park before it was Legoland!
    Total debt Dec 2017 £23090.83
    Mar 2018 £6247.86 72.94% paid
    Emergency fund £472.50/£600
    Total Savings £1704.02
    • Drawingaline
    • By Drawingaline 7th Feb 18, 9:23 PM
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    Drawingaline
    Rexelpink we are to the west of Legoland, and mo4k I too am old enough to remember Windsor Safari park I went as a Guide back in the late '80's, I remember a fantastic 'toboggan' run, great fun trying to beat each others times it's incredibly overpriced now, I used to be able to get money off with my evening job, (used the coperate tickets to take my sister to Alton towers last year for her 40th). My husband has a similar package with his job, however it seems to just be discounted Merlin passes, they are super cheap, but needing six still has it at around £550, and I just really cannot justify that cost.

    I am planning a family weekend to Alton towers though. The premier inn we stayed in for my sisters do was pretty close, but just off the M6, so handy for travel both ways.

    The mirror cost £22.95, took two mins to fix so all good. Passport applications all winging their way off to be checked, hoping they will come back quickly. Total cost for three children's passports, including special delivery and photos £198.94
    • Mumoffourkids
    • By Mumoffourkids 8th Feb 18, 5:50 AM
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    Mumoffourkids
    I know it is so over priced. I have been once where I had loads of tickets/ vouchers etc so only cost for two of the kids in the end. The kids enjoyed themselves but I wouldnít pay full price!

    Thatís good news about the mirror but passports are so expensive. I think I might try and take the kids abroad next year when I am debt free but I think all of them will need new passports so Iíll have to factor that cost in as well!
    Total debt Dec 2017 £23090.83
    Mar 2018 £6247.86 72.94% paid
    Emergency fund £472.50/£600
    Total Savings £1704.02
    • rexelpink
    • By rexelpink 8th Feb 18, 7:09 AM
    • 213 Posts
    • 493 Thanks
    rexelpink
    Ouch for the passport costs! I haven!!!8217;t got any for the DC because we havent been abroad for years. Its one of the things I plan to do when the debt is paid!

    Weve got Merlin passes, living so near to 3 major theme parks they work out a lot cheaper, but we do go a lot.
    Im not sure if we are east or west?!? I have no sense of direction (just follow the satnav lol!) theres a major airport on our doorstep!

    I did go to Windsor safari park, I remember being younger and it seemed there were lots of news reports about the animals escaping! Im pretty sure the toboggan run is now a giant water raft slide at legoland, so sort of still there!
    Staring debt - June 2013 - £21,000
    Current debt - February 2018 - £11,378.60

    Emergency fund £500 / 100%

    Debt free one day at a time
    • Drawingaline
    • By Drawingaline 8th Feb 18, 2:22 PM
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    Drawingaline
    With the little two getting bigger maybe Merlin passes might work now? When I used to go to Legoland with a friend and her son she would go free as his carer (he was on DLA). We get DLA for my 9yr old so am going to look into that. It also means that you can queue jump a bit because they struggle with queuing. It would bring the price down a bit for us.
    • rexelpink
    • By rexelpink 8th Feb 18, 6:15 PM
    • 213 Posts
    • 493 Thanks
    rexelpink
    If you would use them they definitely save money. Mind you it does take discipline to take lunch and snacks and avoid the gift shops!
    Staring debt - June 2013 - £21,000
    Current debt - February 2018 - £11,378.60

    Emergency fund £500 / 100%

    Debt free one day at a time
    • rexelpink
    • By rexelpink 8th Feb 18, 6:17 PM
    • 213 Posts
    • 493 Thanks
    rexelpink
    Pressed send too soon!
    The carers pass and I queue passes are done by clinicians diagnosis letter not DLA so those are the documents they need to see. DLA is not taken into account x
    Staring debt - June 2013 - £21,000
    Current debt - February 2018 - £11,378.60

    Emergency fund £500 / 100%

    Debt free one day at a time
    • Drawingaline
    • By Drawingaline 8th Feb 18, 7:25 PM
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    Drawingaline
    Interesting, could of sworn she took her DLA award letter with her. We have an autism diagnosis letter so it might work. Annoying though if you have no diagnosis. I have a friend who has an undiagnosed child (he has some quite severe symptoms and they recently found a gene abnormalities I think, but it is super rare and has taken until he is, 7?) Seems unfair that he wouldn't qualify. Like I said I will look into it and ask my friend.

    Quiet night lined up, busy day tomorrow, three jobs, then home to clean my house. I also have a huge basket of ironing for a client,I tend to do it the night before as I can only really hang it in the conservatory, which is minging atm. And super cold so the clothes would get damp. But it is due back Monday and no idea what time we will be back from our weekend away so may attempt some tomorrow night. If I can get some done I can hang it on the landing. I hate ironing, but atm it brings in an extra £30 a month which I have set aside for the boys free running classes. So worth it.

    Payday should be Sunday/Monday and my mil arrives Monday afternoon, my husband is an only child so she adores the fact that she has four grandchildren, and is incredibly generous with her money while she is here. She will also gladly be my childcare too. She had my husband while she was a teen (just!) So she is a good 10years younger than my folks and also in much better health than my mum, and she is just so so lovely. I am so lucky with her, when I hear the horror stories some people have with in laws I do feel a little bit smug. She was a single mum for much of my husband's life and money was very very tight, so now she has a little bit more she is very nice with sharing it about. I normally have a little lost of things the kids need before she arrives. So hopefully she will supply some new underwear and socks for the boys and buy the stuff for pancakes. Also thinking of a trip to the cinema, I will get the vouchers through hubby's work scheme of course, but taking all four kids is still expensive.

    Inset day tomorrow for all the boys, have told the girl she needs to get herself up and sorted as hubby is working from home and I am having a lie in need to be at first job for 9, so will get up at 8.15 rather than 6.30. Bliss!

    Anyway must stop waffling on, I am trying to read a book
    • Drawingaline
    • By Drawingaline 9th Feb 18, 9:29 PM
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    Drawingaline
    Didn't really get a lie in as heard the patter of little feet going downstairs at 7am! Anyway it meant o got a coffee in before work. Hubby got up and was logged in for 8am and I left at 8.45. had my normal job, then was filling in for the boss, wasn't an ideal job, there were 5dogs, all lovely and friendly, but one didn't stop barking at me for the whole hour and a half I was there not threatening, just a 'i don't know who you are' type thing. Was quite draining, but prompted me to get through it as quickly as possible. Then my last job as normal came home and cleaned my house. Have started to do it weekly on a Friday, getting the big two to help, lots of muttering and moaning, but tough I also cracked on with the ironing, finished around half so less to do when we get back on Sunday. Also the little two had headline AGAIN, so deloused them in the bath, glad I had the stuff in, it's been a never ending cycle for the past three months

    Anyway off for our weekend of fun tomorrow, have wrapped the wierd one presents for Sunday and am quite excited now
    • Mumoffourkids
    • By Mumoffourkids 10th Feb 18, 7:07 AM
    • 592 Posts
    • 2,864 Thanks
    Mumoffourkids
    Have a lovely weekend away.
    Total debt Dec 2017 £23090.83
    Mar 2018 £6247.86 72.94% paid
    Emergency fund £472.50/£600
    Total Savings £1704.02
    • rexelpink
    • By rexelpink 10th Feb 18, 7:59 AM
    • 213 Posts
    • 493 Thanks
    rexelpink
    Enjoy your weekend away, how the little one has a good birthday x
    Staring debt - June 2013 - £21,000
    Current debt - February 2018 - £11,378.60

    Emergency fund £500 / 100%

    Debt free one day at a time
    • Drawingaline
    • By Drawingaline 10th Feb 18, 4:58 PM
    • 414 Posts
    • 1,404 Thanks
    Drawingaline
    Well we are all booked into our premier Inn. Been to the great western railway museum, enjoyed by all, wandered around an outlet place, totally not our thing AT ALL no where to eat (again with a larger family, we need a bigger table) ended up driving mcd's and them went to toys r us as the birthday boy had some birthday money to spend. Meal booked for 5.30, then may chill with a drink for a bit, but weather is vile and no plans or go out again.
    • Drawingaline
    • By Drawingaline 13th Feb 18, 7:28 AM
    • 414 Posts
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    Drawingaline
    So back to it. Weekend was fun, but the weather wasn't great, don't think we will go away in Feb again

    Yesterday was payday, but my boss rang me as she was waiting on 4 of my clients still to pay so atm I am £229 down, I have filled the loan category and put my £100 into entertainment, but the mortgage needs another £200 in it. Luckily it isn't due until nearer the end of the month, and I am buffered for the rest of the direct debits so have money to pull from, but am somewhat annoyed about it. Also the extra £29 was to go off the loan to balance their retest charge which will go on when the payment goes out on the 15th. I know I will get the money, but am thinking my boss should be buffered really
    My mil is down so have childcare for tomorrow. She has bought the rubbish weather, have been toying with the idea of going to IKEA, but don't actually have the money for the unit we need in the conservatory until the 26th and we also need to sort the room out before we get it, won't be until the beginning of march when we have a clear weekend.

    Right I am actually at a job atm, the only one today, need to crack on and finish up, then off to lidl then home for a well deserved coffee.
    • Drawingaline
    • By Drawingaline 15th Feb 18, 7:59 PM
    • 414 Posts
    • 1,404 Thanks
    Drawingaline
    So I wrote a nice long post last night and it disappeared, first time it's ever happened, I got in a strop and put my phone away

    So boss paid me the extra £229 on Monday night, so her little emails and texts to clients seemed to work so mortgage all ready to go later in the month, and £31.31 sent to the loan. The first loan payment went out today so now my loan balance is £11,000.75 but there is an interest charge due. Depending on how big the charge is I MAY attempt to get it below 11k. But I have a meal out tomorrow night and want to do something with the kids on Saturday and have a spa day booked with my sister on Sunday. And £73 spends until 11th march next lot of money is around 25th when hubby gets paid, money for April's direct debits, and march's 'pots' and want to keep some back for the IKEA unit so we can start sorting the conservatory, then probably around £350 off the loan.

    Long day at work tomorrow, but then a nice weekend before the battle of school happens again
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