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  • FIRST POST
    • Purplemumof2
    • By Purplemumof2 11th Sep 18, 10:02 AM
    • 7,027Posts
    • 27,006Thanks
    Purplemumof2
    Why Walk When You Can Fly
    • #1
    • 11th Sep 18, 10:02 AM
    Why Walk When You Can Fly 11th Sep 18 at 10:02 AM
    Time for a new diary, although not at the end of 2018 yet, my plans put in place at the beginning of the year, haven't quite gone as planned....like most things

    Title of my diary comes from a Mary Chapin Carpenter song of the same name and the lyrics are rather apt to the present moment, it symbolises life and at ahem (42, shhhh!! Don't tell anyone) it resonates with me.

    Debt as it stands:

    MBNA: 5960 0% Sept 2019
    BC: 40
    Lloyds: 10,000 - 0% April 2021
    Lloyds OD: 2750

    Grand Total: 18750.00

    So whilst that looks horrendous, it is manageable.

    Pots:

    General - This is my default pot - will be used as my emergency pot
    DD's Travel - Yearly
    Overdraft - Will make a monthly payment until I hit target
    CC Overpayment - Same as above
    Cars - Again as above but no set target, will be used for all things car related
    Household - Everything house related - may include Quarterly and Yearly bills??

    Good Things:
    • Capital One card has gone along with DS's misdemeanour from last year, this one I was adamant was going this year.
    • We've paid off over 7K off the debt this year. Most of that was because of DH's commission and general saving up but also due to Surveys
    • Car is finally sorted
    • Lounge has been decorated
    • Pots set up
    • DS has finally settled down in school (I hope!)

    Bad Things:
    • The debt has increased - probably by what we already paid off, not sure.

    The good outweighs the bad, which means that things are going the right way.
    Last edited by Purplemumof2; 11-09-2018 at 10:18 AM.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 4800.00 Lloyds: 9100.00 BC: 840.00 Cap One: GONE
    Apr LTW 4/14 - Apr NSD 1/5
    PAYDBX 2019 #041 PD 2369.46/5604.30
    Savings for Christmas 200.23/500
    20p Savers 2019 2 Savers 2019 50p Savers 2019 SPC 12 2019 #003
Page 22
    • Purplemumof2
    • By Purplemumof2 8th Apr 19, 6:52 AM
    • 7,027 Posts
    • 27,006 Thanks
    Purplemumof2
    Thanks for the messages.

    I'm ok and we're not getting a divorce.

    Although we've both threatened it in the past, this argument was different to the others.

    Things were a bit strained over the weekend but things are sorted.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 4800.00 Lloyds: 9100.00 BC: 840.00 Cap One: GONE
    Apr LTW 4/14 - Apr NSD 1/5
    PAYDBX 2019 #041 PD 2369.46/5604.30
    Savings for Christmas 200.23/500
    20p Savers 2019 2 Savers 2019 50p Savers 2019 SPC 12 2019 #003
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 8th Apr 19, 7:09 AM
    • 8,923 Posts
    • 69,643 Thanks
    HairyHandofDartmoor
    Phew that's a relief . Glad you're okay.
    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.
    EMERGENCY FUND 1 = 4,005. EMERGENCY FUND 2 = 1,505.
    Goal - buy 50 worth of Premium Bonds per month = 50
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 8th Apr 19, 10:43 AM
    • 8,923 Posts
    • 69,643 Thanks
    HairyHandofDartmoor
    I do think that debts and children are a massive strain on any relationship. Maybe it would be good to schedule in more date nights or couple time? Me and DH hardly have any time just the two of us due to work, DC, etc, so I always feel it does us good to go out for the occasional meal, or even out for a coffee just the two of us .
    Last edited by HairyHandofDartmoor; 08-04-2019 at 2:16 PM.
    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.
    EMERGENCY FUND 1 = 4,005. EMERGENCY FUND 2 = 1,505.
    Goal - buy 50 worth of Premium Bonds per month = 50
    • monz
    • By monz 8th Apr 19, 1:24 PM
    • 3,560 Posts
    • 12,240 Thanks
    monz
    Hope things are ok!!! <3 xxx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016) mum and dad 4,000/4,000
    car PCP - 2,068.88/11,848.25 mortgage - 81,130 o/s currently - paid 4,182.72 (118.20 overpayment)
    Emergency Fund - 50/500
    • doingitanyway
    • By doingitanyway 8th Apr 19, 5:55 PM
    • 4,229 Posts
    • 25,583 Thanks
    doingitanyway
    Glad you sorted it out with OH.
    Target by end of Aug goal: 500/4000
    Car costs savings: 275
    • jwil
    • By jwil 9th Apr 19, 6:46 PM
    • 10,284 Posts
    • 35,742 Thanks
    jwil
    I'm glad it's all sorted out now. Hope you feel a bit more settled. x
    "If you can dream it, you can do it". Walt Disney
    • debtaghh
    • By debtaghh 11th Apr 19, 12:01 PM
    • 1,582 Posts
    • 6,009 Thanks
    debtaghh
    Just seen your posts, I'm so sorry that you and DH had such a big argument and that divorce was mentioned. Glad to see things are sorted and I hope you're ok xx
    4th January 2019 53,900 ( including Next and Very)



    Current debt- 52,457
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 11th Apr 19, 5:28 PM
    • 8,923 Posts
    • 69,643 Thanks
    HairyHandofDartmoor
    I hope things are going well on the job search and finance front Purplemum. Are DS and DD enjoying their Easter holiday from school?
    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.
    EMERGENCY FUND 1 = 4,005. EMERGENCY FUND 2 = 1,505.
    Goal - buy 50 worth of Premium Bonds per month = 50
    • Purplemumof2
    • By Purplemumof2 15th Apr 19, 10:11 AM
    • 7,027 Posts
    • 27,006 Thanks
    Purplemumof2
    Hi everyone,

    Thanks for all your kind messages

    Well last week couldn't have gone any worse even if it tried. I'm sure the debt gods are against us!

    Last week resulted in having to use what little of the EF I had accumulated, but still need to move money about.

    The boiler has finally given up (it is the original one that was installed in the house when it was built 35 years ago! ) BG were useless and we ended up getting someone else to look at it, it is kaput and we need a new one BG are coming today to look at it, so we have a second opinion but are being charged 60 excess to look at it.

    So no hot water, no heating...DH and I used the showers at the gym and the kids used next door neighbours shower.

    Not to mention the mirrored bifold wardrobe door in DD's room fell off....seems that the previous owners did a botch repair to it. Thankfully it didn't injure her or break and we managed to get someone out to fix it...again the EF was used.

    On the upside....I have sold a few bits via FB marketplace and I'm hoping some more will go.

    I've also brought my lunch with me too and plan to do so the rest of the week

    DH has finally cottoned on about the Pots and what they are there for and that they aren't a waste of time (his words last time I tried to discuss it)
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 4800.00 Lloyds: 9100.00 BC: 840.00 Cap One: GONE
    Apr LTW 4/14 - Apr NSD 1/5
    PAYDBX 2019 #041 PD 2369.46/5604.30
    Savings for Christmas 200.23/500
    20p Savers 2019 2 Savers 2019 50p Savers 2019 SPC 12 2019 #003
    • Purplemumof2
    • By Purplemumof2 15th Apr 19, 2:31 PM
    • 7,027 Posts
    • 27,006 Thanks
    Purplemumof2
    Update

    After a little prod by my agency bloke last week, hinting to the company that he 'believes' that I am looking elsewhere. The Contracts Manager here wants to have a private chat tomorrow when he is on site....told my agency bloke that I would let him know what happens, after much toing and froing via email, they have no plans to sack me, so I'm hoping it is good news

    Also BG man has arrived and has told DH he is going to change a part and it should work.

    Also someone else wants to buy some of my junk but couldn't get that the item is too big to post and that is why I put collection only...honestly some people don't read properly!!! I've told them to let me know when they want to collect.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 4800.00 Lloyds: 9100.00 BC: 840.00 Cap One: GONE
    Apr LTW 4/14 - Apr NSD 1/5
    PAYDBX 2019 #041 PD 2369.46/5604.30
    Savings for Christmas 200.23/500
    20p Savers 2019 2 Savers 2019 50p Savers 2019 SPC 12 2019 #003
    • hugglemonster
    • By hugglemonster 15th Apr 19, 3:58 PM
    • 583 Posts
    • 2,678 Thanks
    hugglemonster
    Ooh hoping the BG man can repair the boiler and you don't need to get a new one yet!

    Fingers crossed for the chat at work tomorrow.

    H x
    Debt:Overdraft 2 2400 now 2200 Credit card 2200 now 1990 Car - Purchased 11,518.40 now 5557.56 Barclays loan 3000 now 2403.11
    PAID - Computer 646.52, Overdraft 1 2200 Dad 300
    Emergency fund: 0 General savings: 0 Debt paid 2019 7.33% current debt 12,150.67
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 15th Apr 19, 5:45 PM
    • 8,923 Posts
    • 69,643 Thanks
    HairyHandofDartmoor
    Well I guess that is what emergency funds are for . Hopefully the new part will fix the boiler anyway .

    It's good if DH has finally realised why you need pots for emergencies etc though .

    I hope your employer offer you a permanent job .
    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.
    EMERGENCY FUND 1 = 4,005. EMERGENCY FUND 2 = 1,505.
    Goal - buy 50 worth of Premium Bonds per month = 50
    • pennywisepoundstupid
    • By pennywisepoundstupid 16th Apr 19, 7:44 AM
    • 5,064 Posts
    • 18,377 Thanks
    pennywisepoundstupid
    Fingers crossed the boiler can be fixed and I hope your chat goes well today.
    Be mindful of your self-talk. It's a conversation with the Universe."
    Debt free and saving for my future
    • Purplemumof2
    • By Purplemumof2 16th Apr 19, 7:54 AM
    • 7,027 Posts
    • 27,006 Thanks
    Purplemumof2
    Morning,

    BG man changed the part and the boiler roared in to life BG man coming back today to change the pump as it is leaking water and that should help things even more. He said that the independent one we saw on Sunday, was doing the whole "you need a new boiler" scam to make money, when in fact it was just two parts that needed changing.

    It has therefore saved us money, a new boiler was in the region of 2500 but we will have only spent 120 on the excesses for the parts to be changed...ok not great BUT it's better than forking out for a new boiler.

    Plus we had hot water and heating last night

    This has spurred me on to build up the EF side of the pots even more.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 4800.00 Lloyds: 9100.00 BC: 840.00 Cap One: GONE
    Apr LTW 4/14 - Apr NSD 1/5
    PAYDBX 2019 #041 PD 2369.46/5604.30
    Savings for Christmas 200.23/500
    20p Savers 2019 2 Savers 2019 50p Savers 2019 SPC 12 2019 #003
    • Purplemumof2
    • By Purplemumof2 16th Apr 19, 7:56 AM
    • 7,027 Posts
    • 27,006 Thanks
    Purplemumof2
    Ooh hoping the BG man can repair the boiler and you don't need to get a new one yet!

    Fingers crossed for the chat at work tomorrow.

    H x
    Originally posted by hugglemonster
    Thank you x

    Well I guess that is what emergency funds are for . Hopefully the new part will fix the boiler anyway .

    It's good if DH has finally realised why you need pots for emergencies etc though .

    I hope your employer offer you a permanent job .
    Originally posted by HairyHandofDartmoor
    I think DH had wife filter on when I tried to tell him the first time around

    Fingers crossed the boiler can be fixed and I hope your chat goes well today.
    Originally posted by pennywisepoundstupid
    Thank you x
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 4800.00 Lloyds: 9100.00 BC: 840.00 Cap One: GONE
    Apr LTW 4/14 - Apr NSD 1/5
    PAYDBX 2019 #041 PD 2369.46/5604.30
    Savings for Christmas 200.23/500
    20p Savers 2019 2 Savers 2019 50p Savers 2019 SPC 12 2019 #003
    • jwil
    • By jwil 16th Apr 19, 9:46 AM
    • 10,284 Posts
    • 35,742 Thanks
    jwil
    Great news about the boiler repair

    Hope you get some good news today.
    "If you can dream it, you can do it". Walt Disney
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 16th Apr 19, 9:13 PM
    • 8,923 Posts
    • 69,643 Thanks
    HairyHandofDartmoor
    Great news about the boiler repair .
    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.
    EMERGENCY FUND 1 = 4,005. EMERGENCY FUND 2 = 1,505.
    Goal - buy 50 worth of Premium Bonds per month = 50
    • Purplemumof2
    • By Purplemumof2 23rd Apr 19, 12:58 PM
    • 7,027 Posts
    • 27,006 Thanks
    Purplemumof2
    Hi,

    Hope that everyone had a great Easter and if you don't celebrate it, I hope that you enjoyed the long weekend.

    So last post, I mentioned about the pump being changed...well, this didn't quite go to plan. The BG man split the hot water cylinder when he changed it, so we had heating but no hot water, then to cap it all....the plug in family bathroom stuck and when DH went to fix it, the basin ended up coming away from the wall slightly.

    We now have hot water though as the BG man came out on Thursday to fit a new cylinder in. The sink still remains the same...for the time being.

    April has not been our month, just hope that May is kinder.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 4800.00 Lloyds: 9100.00 BC: 840.00 Cap One: GONE
    Apr LTW 4/14 - Apr NSD 1/5
    PAYDBX 2019 #041 PD 2369.46/5604.30
    Savings for Christmas 200.23/500
    20p Savers 2019 2 Savers 2019 50p Savers 2019 SPC 12 2019 #003
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 23rd Apr 19, 1:20 PM
    • 8,923 Posts
    • 69,643 Thanks
    HairyHandofDartmoor
    Oh dear, sorry about your plumbing problems. It's horrible having no hot water .

    Hopefully tbings wil go better for you in May. We have another bank holiday in two weeks .
    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.
    EMERGENCY FUND 1 = 4,005. EMERGENCY FUND 2 = 1,505.
    Goal - buy 50 worth of Premium Bonds per month = 50
    • Purplemumof2
    • By Purplemumof2 24th Apr 19, 12:49 PM
    • 7,027 Posts
    • 27,006 Thanks
    Purplemumof2
    After a little prod by my agency bloke last week, hinting to the company that he 'believes' that I am looking elsewhere. The Contracts Manager here wants to have a private chat tomorrow when he is on site....told my agency bloke that I would let him know what happens, after much toing and froing via email, they have no plans to sack me, so I'm hoping it is good news
    Originally posted by Purplemumof2
    Almost forgot about this update.

    The private chat, didn't go as expected. They basically paid me for the week I was holiday and that was it.

    So I still no where near to a permanent job than I was before
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 4800.00 Lloyds: 9100.00 BC: 840.00 Cap One: GONE
    Apr LTW 4/14 - Apr NSD 1/5
    PAYDBX 2019 #041 PD 2369.46/5604.30
    Savings for Christmas 200.23/500
    20p Savers 2019 2 Savers 2019 50p Savers 2019 SPC 12 2019 #003
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