Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • WelshKitty85
    • By WelshKitty85 22nd Jul 18, 1:03 PM
    • 860Posts
    • 7,117Thanks
    WelshKitty85
    £29,303...Enough is enough!
    • #1
    • 22nd Jul 18, 1:03 PM
    £29,303...Enough is enough! 22nd Jul 18 at 1:03 PM
    So, Iíve had ďlightbulb momentsĒ before, but today Iíve reached breaking point. The realisation that we could lose everything, including a roof over the childrenís heads, has slapped me in the face. From £4844 of debt 18 months ago, we are now at an all time high of £29,303. Yes, we have things to show for it. Weíve bought a new house and immediately spent £12,000 on repair work and decorating (we had budgeted around £7,000 but lots of cracks had literally been papered over). We also have 3 cars on the drive (Iíll come back to this later). But Iíve had the realisation that we could lose it all in a heartbeat as weíre living beyond our means.

    Today is the day that things have to change. Iím off to brew up, cry into my cup of tea, then make a plan. Iíll be back...
    Enough is enough...
    £29,603 (22/7/18) £22,906
Page 8
    • DMP_Tiger
    • By DMP_Tiger 10th Sep 18, 8:44 AM
    • 176 Posts
    • 525 Thanks
    DMP_Tiger
    Good luck! It will be hard at first but once you are in a routine, you will be fine
    August 2018: Secured Debt £70,003 Unsecured Debt (DMP) £34,657 Total £104,660 DFD: March 2031
    November 2018: Secured Debt £68,966 Unsecured Debt (DMP) £34,601 Total £103,567 DFD: March 2031
    • Robin09
    • By Robin09 10th Sep 18, 4:09 PM
    • 128 Posts
    • 617 Thanks
    Robin09
    Hope your day back at work has gone well today for you
    • LexieLou
    • By LexieLou 10th Sep 18, 7:29 PM
    • 638 Posts
    • 1,093 Thanks
    LexieLou
    I like that idea, how long does it take and at what temperature? I normally cook everything for 20 minutes at 180 degrees if there are no instructions.....
    Originally posted by DMP_Tiger
    My brother always tells me to leave some stock from the meat over and drizzle it over the meat in the microwave for 4 mins tops. Cover with cling film and make sure the meat is covered - not saturated to stop it drying out.

    If you have no stock, you could use some of the water you cooked your veg in
    Sept £10 a day £150 / £300, 50% Oct £10 a day / £300 0%
    1% Challenge #53
    £7.54 in sealed pot 10.05.18
    Tesco Vouchers £30.50
    EF #2 £ used, back to zero. EF #1 still in progress
    • WelshKitty85
    • By WelshKitty85 10th Sep 18, 7:59 PM
    • 860 Posts
    • 7,117 Thanks
    WelshKitty85
    Thank you both.

    I'm exhausted! DC woke at 3 this morning . Gave him a feed so he went back down until 6. I think he may have been cold (I was when I got up to see to him) so I have put him in his sleeping bag tonight. I was quite well prepared for this morning - already had the changing bag packed, clothes picked out etc so I got to work early and have gained about 20 mins flexi time . I had a good day (despite the 651 emails waiting for me ) and realised I actually quite like my job. Made use of the batch cooked chow mein tonight (noodles were freshly cooked but chicken and sauce premade) so that was nice and quick when I got home.

    2 items have sold today so need to get those packed tonight ready to post. I have around £260 put aside into my savings pot now. Looking forward to pay day at the end of the week so my DDs can start going out and my debt total can come down again.
    Enough is enough...
    £29,603 (22/7/18) £22,906
    • Durham andrew
    • By Durham andrew 10th Sep 18, 8:59 PM
    • 28 Posts
    • 34 Thanks
    Durham andrew
    Off topic a little
    How do you put a clam in with an estate agent. We bought a house 5 months ago EA said that seller put a new boiler in and doors and window and an en-suite in the last year. When I did a bit of digging around they where 2 years old. I sill have the listing from the EA
    • zx81
    • By zx81 10th Sep 18, 9:02 PM
    • 19,362 Posts
    • 20,688 Thanks
    zx81
    How do you put a clam in with an estate agent.
    Originally posted by Durham andrew
    Take it round in a bucket?
    • Durham andrew
    • By Durham andrew 10th Sep 18, 9:17 PM
    • 28 Posts
    • 34 Thanks
    Durham andrew
    Ha ha very funny
    • WelshKitty85
    • By WelshKitty85 10th Sep 18, 9:18 PM
    • 860 Posts
    • 7,117 Thanks
    WelshKitty85
    How do you put a clam in with an estate agent. We bought a house 5 months ago EA said that seller put a new boiler in and doors and window and an en-suite in the last year. When I did a bit of digging around they where 2 years old. I sill have the listing from the EA
    Originally posted by Durham andrew
    Ask for their complaints procedure and follow every step of that. If you're not happy with their response you may be able to ask the property Ombudsman service to look at your complaint.
    Enough is enough...
    £29,603 (22/7/18) £22,906
    • LexieLou
    • By LexieLou 11th Sep 18, 2:17 PM
    • 638 Posts
    • 1,093 Thanks
    LexieLou
    Hey WelshKitty

    Fabulous first day back at work, glad it went so well for you

    LL xx
    Sept £10 a day £150 / £300, 50% Oct £10 a day / £300 0%
    1% Challenge #53
    £7.54 in sealed pot 10.05.18
    Tesco Vouchers £30.50
    EF #2 £ used, back to zero. EF #1 still in progress
    • WelshKitty85
    • By WelshKitty85 11th Sep 18, 7:55 PM
    • 860 Posts
    • 7,117 Thanks
    WelshKitty85
    Thank you LexieLou.

    Second day back at work today and the end of my working week thanks to my phased return .

    I'm a bit disappointed with my employers to be honest. If I'd been off sick for a day I'd have a back to work interview but having 10 months maternity leave I'm just expected to carry on and figure out all the changes myself . I found out today I've been given an extra workload (one that I had been asking for for 18 months before my leave) but nobody had told me about it! Still enjoyng the work though and realised today I've been in the post for a year longer than I thought. Time flies...
    Enough is enough...
    £29,603 (22/7/18) £22,906
    • WelshKitty85
    • By WelshKitty85 13th Sep 18, 8:48 PM
    • 860 Posts
    • 7,117 Thanks
    WelshKitty85
    Feeling quite positive today. Wages are pending in my account and are around £85 higher than I budgeted . I knew I was due a pay rise in April but wasn't sure quite how much difference it would make (only just seeing the benefit due to mat leave). Next month should be £20 higher again as I've cancelled a deduction that usually comes out of my wages.

    I've been told today that tax credits will go up by £140 when DC3 starts with the childminder. Added to my pay rise, this means I'll be no worse off paying for childcare - which is a huge relief!

    DH has been getting regular work this month and my spreadsheet shows he's had enough to cover this months outgoings, plus all of next months outgoings, and possibly a bit left over to put into savings. So everything he earns in October can either be carried forward to November or squirrelled away into the savings pots.

    Savings currently stand at £412.97
    Enough is enough...
    £29,603 (22/7/18) £22,906
    • Honeysucklelou2
    • By Honeysucklelou2 14th Sep 18, 6:22 AM
    • 1,179 Posts
    • 5,590 Thanks
    Honeysucklelou2
    It's good that you can do a phased return and allow yourself and your DC time to adjust. When I went back it was straight into normal hours which was a shock to the system! Well done on getting all that cooking done for the freezer - great forward planning.
    paydbx #93 £899.50/£8,000.
    Loan £17k - paid off in Aug 2017. Home improvement loans £3342 March 2017. £2994 in Aug 18
    • WelshKitty85
    • By WelshKitty85 14th Sep 18, 10:27 AM
    • 860 Posts
    • 7,117 Thanks
    WelshKitty85
    Thank you. I was fortunate to be in a position where I had "too much" leave banked and it needs to be used so I've been able to extend my mat leave by 3 weeks and use it for a phased return.

    Ive been really grateful for the batch cooking this week, it's been a relief o just thrown a lasagne into the oven and not have to worry about cooking from scratch.
    Enough is enough...
    £29,603 (22/7/18) £22,906
    • WelshKitty85
    • By WelshKitty85 14th Sep 18, 10:29 AM
    • 860 Posts
    • 7,117 Thanks
    WelshKitty85
    I've just made a £20 overpayment to my loan
    Enough is enough...
    £29,603 (22/7/18) £22,906
    • DMP_Tiger
    • By DMP_Tiger 14th Sep 18, 1:35 PM
    • 176 Posts
    • 525 Thanks
    DMP_Tiger
    I've just made a £20 overpayment to my loan
    Originally posted by WelshKitty85
    Yay!! Well done!
    August 2018: Secured Debt £70,003 Unsecured Debt (DMP) £34,657 Total £104,660 DFD: March 2031
    November 2018: Secured Debt £68,966 Unsecured Debt (DMP) £34,601 Total £103,567 DFD: March 2031
    • WelshKitty85
    • By WelshKitty85 15th Sep 18, 11:11 AM
    • 860 Posts
    • 7,117 Thanks
    WelshKitty85
    I have to make a confession...

    I've been on a bit of a shopping spree . Everything I bought was needed - 2 dresses for work, 3 winter jumpers, flat boots for the winter, winter pjs for the kiddies, matching tshirts for DC2 & DC3 (ok these weren't needed but sooo cute and will be put away for Christmas, as will the PJs). It came to a grand total of £83, which I think is reasonable for what I got, and the extra in my wages covers it. I've also got a few bits lying around to sell so need to get on with the decluttering to bring some extra pennies back in.

    I also bought a new high chair for DC3 but only £9.99 and I should be able to sell his old one for at least £10 - I just hate it as it has loads of little places for bits of food to get stuck and it's horrible to clean.

    Oh, and whilst confessing...we also had a takeaway last night . It would have been completely worth the £20 it cost had DC3 not thrown up straight into my tray of chips . Poor little man has a bug and has been ill in the night too, but I was devastated! Thankfully he was nowhere near the pizza and we have half left over to be reheated today.

    Now those spends are out of my system I'm back on the money saving wagon - I promise!
    Enough is enough...
    £29,603 (22/7/18) £22,906
    • WelshKitty85
    • By WelshKitty85 15th Sep 18, 8:36 PM
    • 860 Posts
    • 7,117 Thanks
    WelshKitty85
    The old high chair sold for £12 and has been collected already
    Enough is enough...
    £29,603 (22/7/18) £22,906
    • Igamogam
    • By Igamogam 16th Sep 18, 3:42 PM
    • 5,593 Posts
    • 45,948 Thanks
    Igamogam
    The old high chair sold for £12 and has been collected already
    Originally posted by WelshKitty85
    Thats a win then
    Be the change you want to see -with apologies to Gandhi
    In gardens, beauty is a by-product. The main business is sex and death. ~Sam Llewelyn
    'On the internet no one knows you are a cat'
    • WelshKitty85
    • By WelshKitty85 16th Sep 18, 8:13 PM
    • 860 Posts
    • 7,117 Thanks
    WelshKitty85
    I forgot to buy a chicken for todays roast dinner when I did the weekly shop .

    So today's plan was to nip to t3sco for a chicken and pick up the 2 for £7 chocolates for Christmas and bread for DHs packed lunch too. However, DH & DC2 had gone out to a car show, DC1 was with grandparents, and I was home with DC3 who has been an absolute horror since being ill. So, whilst he finally went down for a nap I decided to sit down and enjoy a cup of tea in peace instead. Dug some gammon out of the freezer, which was actually a really nice change from chicken, and have raided the cupboards to sort a packed lunch for DH tomorrow. Oh, and there's probably no chance that the chocs would have lasted until Christmas anyway .
    Enough is enough...
    £29,603 (22/7/18) £22,906
    • WelshKitty85
    • By WelshKitty85 16th Sep 18, 8:15 PM
    • 860 Posts
    • 7,117 Thanks
    WelshKitty85
    Almost forgot...I've also made a further £10 loan overpayment
    Enough is enough...
    £29,603 (22/7/18) £22,906
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

98Posts Today

2,163Users online

Martin's Twitter
  • Watching Theresa May... seriously would anyone in their right mind truly want her job right now!

  • RT @thecheekypostie: @MartinSLewis Thanks to this, I have just skim read it. To those in Scotland - on page 548, Dounreay is mentioned by n?

  • Today's twitter poll: The 585 page draft agreement of the withdrawal of the UK from the EU has been published. A? https://t.co/8YLkPyzqYM

  • Follow Martin