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  • FIRST POST
    • puddle_duck1
    • By puddle_duck1 28th Jan 18, 4:47 PM
    • 22Posts
    • 36Thanks
    puddle_duck1
    Puddleduck's Adventures
    • #1
    • 28th Jan 18, 4:47 PM
    Puddleduck's Adventures 28th Jan 18 at 4:47 PM
    Well hello there.

    Little background to my story.

    We have not been in debt for about 10 years. We saved and had a nice life.
    We decided to sell our home and buy an older house in a more rural area, this is where the problems started!

    All our savings and now our massive debt has all been to renovate this house. SO much more than anticipated!! In fact if we had known there was so much work here we probably wouldn't have bought this house.
    The house is finished and it's lovely, everything is new ( house was gutted and inside rebuilt). So we don't have to worry about anymore building work for (hopefully) a long time. I will go into the amount of debt in the next post later on. This house is a lot bigger and we can't really justify buying nice things whilst the debt is so big. So it still doesn't feel like a welcoming family home.

    So just to end, this renovation has crippled us and we are both in the mind set to sort it out quickly as we both in our 40s. I'm here to keep strong and to be influenced by you lovely people.

    More to follow later on this evening.

    Puddle
Page 2
    • Summer12
    • By Summer12 23rd Feb 18, 6:25 PM
    • 79 Posts
    • 37 Thanks
    Summer12
    Totally relate!
    Hi Puddleduck

    Love the name btw! I can totally relate to your story. We too bought a larger older house last July and started some renovations and as you say things just totally snowballed. Every little job resulted in new problems being found. Leaks under floor boards, no earth wires, take one tile off the whole wall comes apart. It feels like we are living in the money pit! Iím in awe of your food budget, how do you do it? We are a family of 3 (daughter is 9yrs). Iíve just spent £61 in Tesco that realistically will last 4 days! Which puts our food budget at £488 per month no wonder we are struggling to keep up at the moment with it all. Any tips greatly appreciated.
    • puddle_duck1
    • By puddle_duck1 24th Feb 18, 7:35 AM
    • 22 Posts
    • 36 Thanks
    puddle_duck1
    Good morning

    Wishing. . . . . I extended my maternity break to a career break for 3 years, my employers kept my job open for me and employed someone temp to cover (nhs). I loved having the time with my little one (she's 5 now) I went back to work when she started full time school (it's full time from 3 here in Wales). I work everyday but school hours so I get to take her to school, work in between, and pick her up at home time. I moan as I feel I have no time for other things but I I do I just need to be organised. It certainly helped with the money side. We leant to live off one wage, DH did the odd overtime to cover the special occasions. Our debt now is from house renevations not spending on silly things. It's a lovely time enjoy it!

    Hi Summer, Thanks for popping in. I don't think the groceries is correct really. We still had a full freezer and cupboards from Xmas. Also DH picks up things and he does give me the amount but we may have missed some. I think having my shopping delivered has helped as I just order what I need. This is just food mind not cleaning stuff or washing. We also are not big eaters. How is your house coming along?

    Well I'm so glad it's the weekend. I managed the ironing yesterday (straight off the line and ironed....so much easier to iron) I'm testing a stain remover at the moment and I'm not impressed). I also changed the beds and cleaned the bathroom. I hate having to do it over the weekend. Going to put the sheets and quilt covers in the machine this morning. Daughter loves putting the mop over the kitchen so she did that and made a mess (things we do to keep them happy).

    OK just finishing off my 2nd cup of tea and sort out what we are doing today.

    Take care
    Puddle
    • puddle_duck1
    • By puddle_duck1 26th Feb 18, 5:37 PM
    • 22 Posts
    • 36 Thanks
    puddle_duck1
    Hi Diary

    Bit spendy but always is after pay day.
    Needed Cat litter, cat biscuits/meat which will last all month. Also had a delivery of logs for the fires (we have one open fire and one log burner).

    Routine back again now little one is back in school. Dreading the bad cold front that's on its way.

    Bit lazy after work today, reading this book (gift from friend for kindness week) and I'm hooked!!
    Little one has eaten so all I need to do is food for myself and husband when he gets home, do bedtime and then back to my book.

    Speak later

    Puddle
    • puddle_duck1
    • By puddle_duck1 3rd Mar 18, 4:00 PM
    • 22 Posts
    • 36 Thanks
    puddle_duck1
    Bit of a manic week.

    Had two day's of school closed due to snow which has resulted in a day unpaid (no leave left) for me and a leave day for husband.

    Little one has been such a good girl lately (she is always good mind) so bought her some new gel pens, pencil case and paper this morning. This will keep her happy for ages.

    Feeling lucky tonight so going to BINGO tonight with a friend. It's a nice time out and the only gambling I do....apart from the lottery.....OK I'm a gambler lol (joke)

    We should be able to knock a load off the overdraft again this month. Apart from car tax which was paid last week I don't think there's any big bills until next month.

    I really do need to sit down and do some sort of spread sheet. I did a basic one last month but it's not really good enough.

    Bought a money box that can only open with a can opener today for 79p. Took £32 out of my other money box and put it in that one so I can't touch it. Leaving £10is of change in the one I can open (just incase). This money is going to be for our holiday in June. Husband thinks it's a silly idea but hay ho I don't.

    That plant I bought the other week........cat seems to find it tasty!! Grr!

    I'm very tempted to go for a run but we still have a lot of snow around. I'm getting frustrated.

    Will let you know later how much I win in BINGO
    • puddle_duck1
    • By puddle_duck1 4th Mar 18, 7:31 AM
    • 22 Posts
    • 36 Thanks
    puddle_duck1
    Well I did win. . . . . All of £18 (was £37ish but had to share) so it paid for the night at least.

    Puddle
    • juliejim
    • By juliejim 4th Mar 18, 10:00 AM
    • 7,534 Posts
    • 151,234 Thanks
    juliejim
    A win is a win lol!
    NST #10 Steps 7K 2/30 10K 2/12 5 a day 3/30 NSD 0/20
    MBNA £5500
    • puddle_duck1
    • By puddle_duck1 8th Mar 18, 10:16 AM
    • 22 Posts
    • 36 Thanks
    puddle_duck1
    Husband needed new glasses and that came to £235!!! This is when a savings pot is needed.

    Apart from that we should see the overdraft come down again this month.

    Lovely weather today. Washing is on the line.
    • puddle_duck1
    • By puddle_duck1 7th Apr 18, 12:55 PM
    • 22 Posts
    • 36 Thanks
    puddle_duck1
    I purposely haven't updated my diary as last month was pants!! Beyond our control really, lots of annual bills went out. Our overdraft went by £200ish. We had lots of family birthdays etc.

    I have still been very MSE and this month looks a lot better.....hopefully!

    I read other diaries almost daily so we have by no means given up.

    Going to check on loan statements and report back later.

    I'm very behind with housework.......always the same when it's half term. I'm working but get home at 3pm then only do minimal housework as I feel guilty that someone else has been looking after the little one. I have a couple of days off next week (still half term) so we will try to do family stuff.

    I'm so glad Spring is on its way. Went for a country walk he other day. Got very dirty but loved it! Free!
    • puddle_duck1
    • By puddle_duck1 7th Apr 18, 1:07 PM
    • 22 Posts
    • 36 Thanks
    puddle_duck1
    OK I last updated our debt end of Jan. We have since payed £2670 off that. That's 2 months so it's not all bad.

    We will get there. Our wages are good so we just need to get even better.

    I might try to do lists on here:-

    *Sort freezer and make a list of what is there (we have 2 and they are full to burst)
    *Ironing (must do today)
    *Put wash load in (washing machine went to the menders a couple of days ago so I'm a little behind)

    That's my list for today. If I manage anything else today I will be pleased.
    • puddle_duck1
    • By puddle_duck1 13th Apr 18, 7:52 AM
    • 22 Posts
    • 36 Thanks
    puddle_duck1
    I really want to update on here daily!!

    I come on here daily to read diaries but I find I have nothing to say on my diary. My fave's at the moment is Playmobil (so busy and so organised), Wannabe (again so organised and her kids sound fab) and mumblingtaff (fellow taffy and I remember her from before).

    Not doing to bad this month, I did buy a new pair of running trainers £58 but they were needed and I see that as a investment in my health. DH needed a new pair of trousers and picked up 2 pairs for £30. It's been a cheap week as little one has been doing swim school all week so apart from the money for that, which came out of last month, we haven't really spent anything else, for half term that's good.

    Apart from the swimming we haven't got much planned.

    Catch you later
    Puddle
    • puddle_duck1
    • By puddle_duck1 15th Apr 18, 7:04 PM
    • 22 Posts
    • 36 Thanks
    puddle_duck1
    OK well half term is hard, money wise. We had a coffee and cake in a garden centre today. Wow cost a small fortune!

    Back to school/work tomorrow. May have to buy little one new trainers soon but will wait until payday which is next Monday.

    I've been doing some yoga lately and I have to say I feel so much taller and stronger for it. Going to put little one to bed now and try and do 20 min's before DH gets home from work. Also I coloured my hair a shade lighter and put on a tanning mousteriser and have a spring in my step!!

    Puddle
    • puddle_duck1
    • By puddle_duck1 17th Apr 18, 4:07 PM
    • 22 Posts
    • 36 Thanks
    puddle_duck1
    Yo yo!

    Money issues are getting to us at the moment. We don't like this debt, we are not used to this debt. It's making us have sleepless nights! All the debt is from the house renovation and as nice as the house is, it still doesn't feel like our forever home. I know the debt is going down quickly but we are not living!! We can't afford to buy nice comfortable furniture so house is bare (we do have settees but they are old and worn). OK enough feeling sorry for myself.

    Lots to do but I plan on coming back in later tonight

    Lots of love
    Puddle
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