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  • FIRST POST
    • Sun Addict
    • By Sun Addict 27th Jan 18, 9:50 PM
    • 6,127Posts
    • 41,381Thanks
    Sun Addict
    Things can only get better
    • #1
    • 27th Jan 18, 9:50 PM
    Things can only get better 27th Jan 18 at 9:50 PM
    Unbelievably my very long running diary of 5 years seems to have been deleted Not happy about this to say the least

    Not sure what to do about it. Need my diary to keep me sane and on track.

    Had to swiftly come up with a new title, had been meaning to start a new diary but not this way.

    Anyway, in brief for those who don't know, my life changed drastically 5 years ago when my OH got Lymphoma in his brain, nearly lost his life but miraculously survived, although he has permanent brain damage and is disabled. So we lost his wage and I'm now the sole breadwinner. At its highest debt was around 5k but paid off thankfully.

    I try to keep as normal a life as I can.

    Still really angry my old diary has gone
    Virtual Sealed Pot 2018 404.08
    Debt 2180
    Weight loss 0/6LBS
    Emergency Fund 4000/10,000
Page 37
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 10th May 18, 9:49 PM
    • 4,870 Posts
    • 34,515 Thanks
    HairyHandofDartmoor
    Sorry about Mr SA's fall . I hope he's okay.

    I would have been steaming mad about the returning the cushions fiasco .
    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.
    "Tough times never last, but tough people do" - Robert H Schuller
    • Cherryfudge
    • By Cherryfudge 11th May 18, 12:07 AM
    • 1,947 Posts
    • 11,027 Thanks
    Cherryfudge
    Hope Mr SA is okay. Could you get him checked over to put your mind at rest?

    I wonder why they even thought substitute cushions and placemats were acceptable? They are so much a matter of taste.
    Last edited by Cherryfudge; 11-05-2018 at 12:09 AM.
    MFW #30 Paid off 2,481.24/3770 as of 4/8/18
    • Sun Addict
    • By Sun Addict 11th May 18, 8:41 PM
    • 6,127 Posts
    • 41,381 Thanks
    Sun Addict
    He seems ok today but will keep an eye on him. At least I know the signs.

    Still not had a NSD. Mr SA phoned me at work to say he wanted a radio for his scooter (!!!!!!). Got him one for 4.99 from Argos which he dissed at first because it was cheap!!! It does the job. Anyway he's decided he likes it now thankfully.

    Then remembered it's DGS birthday in a couple of weeks so bought him a Noah's Ark and animals from Mothercare who had 25% off some toys. I'm sure he'll love it.

    Got my confirmation of new salary through today and will be 4,800 a year better off (before tax, NIC and pension of course). Still can't believe it's happened so fast.

    Happy Friday
    Virtual Sealed Pot 2018 404.08
    Debt 2180
    Weight loss 0/6LBS
    Emergency Fund 4000/10,000
    • beanielou
    • By beanielou 11th May 18, 8:52 PM
    • 56,830 Posts
    • 231,398 Thanks
    beanielou
    A radio for his scooter

    Good wee wise there
    Have a great weekend xx
    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. MFW 2018. No 144
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 11th May 18, 8:53 PM
    • 4,870 Posts
    • 34,515 Thanks
    HairyHandofDartmoor
    Glad Mr SA seems ok.

    That's brilliant about your new salary .
    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.
    "Tough times never last, but tough people do" - Robert H Schuller
    • milann
    • By milann 11th May 18, 8:58 PM
    • 1,895 Posts
    • 8,997 Thanks
    milann
    It must be so worrying when Mr S has his turns.

    I've got images of him singing along when he's scooting around.

    Exciting times ahead with your new job and wages.
    • *Robin*
    • By *Robin* 12th May 18, 7:45 AM
    • 3,266 Posts
    • 13,432 Thanks
    *Robin*
    Congratulations on your new job, Sun.A! That is such good news - am delighted for you.
    • Cherryfudge
    • By Cherryfudge 12th May 18, 9:25 AM
    • 1,947 Posts
    • 11,027 Thanks
    Cherryfudge
    4800 more a year is great news!
    MFW #30 Paid off 2,481.24/3770 as of 4/8/18
    • beanielou
    • By beanielou 12th May 18, 10:32 AM
    • 56,830 Posts
    • 231,398 Thanks
    beanielou
    Have a lovely Saturday.
    Sun is shining here
    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. MFW 2018. No 144
    • mummytogirls
    • By mummytogirls 12th May 18, 4:49 PM
    • 6,306 Posts
    • 23,573 Thanks
    mummytogirls
    Just had to scroll back a couple of days to find out whats been going on SA! Massively pleased for you on the new job, well done you, so deserved xx
    Mummytogirls x

    23164.32 - 12/12/10
    5419.83 - 08/04/18 - 76.61% paid off
    • brizzlegirl
    • By brizzlegirl 13th May 18, 8:56 AM
    • 351 Posts
    • 2,254 Thanks
    brizzlegirl
    Haha..thought you meant a radio so he could call you as I know from your diary he likes that ... Was thinking walkie talkies.... but its so he can listen to tunes..brilliant. Well as it may get broken think 5 is a steal...

    Hope youre all Ok now and Mr SA is recovering well

    Great news about the salary increase...not to be sniffed at. Youre definitely worth it
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 40% [29%May 25%June 15%July] 2018 Income Goal 88/750 September Goals: AFDs 7/25; Decluttering 08/60; LSDs 02/10; NSDs xx/10 Exercise xx/15 12k steps per day pls Aiming to be a true Frugalista!
    • Cumbria lass
    • By Cumbria lass 13th May 18, 9:02 AM
    • 2,187 Posts
    • 13,355 Thanks
    Cumbria lass
    Hope Mr S A is on the mend and enjoying his tunes on his radio as he motors along.

    The garden will be in full bloom now I expect with all the sun last weekend, hope you get time to enjoy it.

    Bet you can't wait to start your new role , new beginnings and all that.

    Enjoy rest of weekend.
    CC1 221 /3718
    • beanielou
    • By beanielou 13th May 18, 11:54 AM
    • 56,830 Posts
    • 231,398 Thanks
    beanielou
    Have a lovely Sunday
    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. MFW 2018. No 144
    • Sun Addict
    • By Sun Addict 13th May 18, 7:04 PM
    • 6,127 Posts
    • 41,381 Thanks
    Sun Addict
    What a busy weekend!

    Yesterday it was Mr M delivery, followed by WW (lost the holiday half a pound) then DS and family came. The grandkids ran riot round the house, even putting my make up on at one stage! DGD is only 3 but posed like a model when I took her photo. DGS moves so fast any photos of him were a blur!

    Today took the dog to the V.E.T. for a flea/worm check. She was really good. Mr SA insisted on coming with us as he knows there's a Costa near the vets and last time he came with us was the time he ran me over distracted by said Costa. I made sure I walked behind the scooter this time. Had a quick whizz round B&M, bought some rattan effect planters 4.99 each. Will match rattan sofa outside.

    When we got home we put the new dining table and chairs together - just had to put the legs on.

    Then cleaned the house.

    Now relaxing with a pink gin and tonic while the dinner is cooking.

    Back to work tomorrow for a rest
    Virtual Sealed Pot 2018 404.08
    Debt 2180
    Weight loss 0/6LBS
    Emergency Fund 4000/10,000
    • RhiBi
    • By RhiBi 13th May 18, 7:30 PM
    • 605 Posts
    • 1,760 Thanks
    RhiBi
    Sounds a busy, but enjoyable weekend. Glad you got home in one piece!!
    Virtual Sealed Pot 2018 #7 297/350

    1 debt vs 100 days 323.72/1000
    • joeyjimbles
    • By joeyjimbles 13th May 18, 8:56 PM
    • 1,638 Posts
    • 8,868 Thanks
    joeyjimbles
    Fingers crossed that Mr SA is ok for the foreseeable and it was just a blip. And fantastic about the new colleagues being welcoming and of course the salary increase - make sure some of that money is for you.
    • Sun Addict
    • By Sun Addict 13th May 18, 9:22 PM
    • 6,127 Posts
    • 41,381 Thanks
    Sun Addict
    The plan is to save the extra cash. I really need to save hard for retirement in 8 years. On the other hand, if anything happened to Mr SA, I need to know I could afford the mortgage. Ironically, if anything happened to me Mr SA would be a fairly wealthy man with the life insurance and my death in service payout. If he snuffed it I would be skint.

    Mr SA has been OK the past couple of days and I realise the bad things are just part of his brain injury. He has trouble with the message from his brain to his bowel/bladder that he needs the loo. This has been confirmed with the OT, it's a common thing with brain injuries.

    So it's my final week in my current job. Will miss my colleagues but we'll meet up and they're only a building away. Really looking forward to my new job. I'm so used to drastic changes in my life that it will be a doddle and the extra money will be more than welcome
    Virtual Sealed Pot 2018 404.08
    Debt 2180
    Weight loss 0/6LBS
    Emergency Fund 4000/10,000
    • Debsnewbudget
    • By Debsnewbudget 14th May 18, 2:37 AM
    • 268 Posts
    • 2,499 Thanks
    Debsnewbudget
    Just a thought SA but can you do AVC's through your pension scheme? For every you put in you get an additional 20% from the govt. I saved like mad in them for the last few years and have just been able to take the whole sum out as cash
    Might be worth checking out as its free money and would be a good home for your extra salary.
    Congratulations on the promotion as well
    • beanielou
    • By beanielou 14th May 18, 8:14 AM
    • 56,830 Posts
    • 231,398 Thanks
    beanielou
    Happy last week
    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. MFW 2018. No 144
    • enthusiasticsaver
    • By enthusiasticsaver 14th May 18, 8:21 AM
    • 7,073 Posts
    • 15,322 Thanks
    enthusiasticsaver
    I would suggest if you are long term saving for retirement SA then you look into AVCs or overpaying into your occupational pension. It is the most tax efficient way of saving and would help with your retirement planning. Maybe a percentage into mortgage/shirt term savings and some extra towards pension. Do you know details of your pension scheme?
    Debt free and mortgage free and early retiree. Living the dream

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages and Endowments, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com
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