May Making Money Go Frugally Further

[Wolfcub]

New thread

thehodgeofthehedge everyone's welcome here you're most welcome too.

I'm sure fluffy will be on soon with lots of advice.

What are you spending on?

Necessities or luxuries?
Can you reduce your bills/standing orders? Check your utilities
Have you any direct debits that are no longer being used but still being charged?
Is your bank account in best bank for your needs?
For saving pay yourself first is recommended

I use ynab for my budgeting Cheeky referral link

lonely can you move it to another 0%, I'm guessing probably not.

Nsd so far.

Major fail though. I’m sitting in on an interview in 10 mins. And have just eaten the garlickyest chicken salad ever. Aaah. Have brushed teeth twice. Hopefully I don’t eeek too much!!! Haha!!

Welcome Hodge.

Not an NSD after all. There was an ice cream van at the park and it's such a lovely day I treated us to a 99 each (not the dts!).

It might be worth trying the job Centre lonely as they may be able to help you with some (free) training to improve your skills? I guess you would be eligible for JSA too as long as you can show you are actively seeking work. I have never been to one so may be talking rubbish though.

I’m still pondering my work/training options. Is anyone here CIPD qualified? I was talking to the tutor at our local college earlier and I should be able to start at level 5 due to previous work experience/qualifications. I’ve decided the masters in HR with the OU is a bit much for what i’m likely to professionally achieve. Still trying to decide between HR and AAT level 2.

Lonely You could try a charity like christians against poverty.

Hodge Have you done a spending diary?.

NSD. 😇

Welcome Hodge

Lonely I really feel for you. You are such a hard worker and so resourceful and practical, there ought to be good jobs that reward that! It’s awful having such a burden of worry hanging over you. I’ve never been in that position with personal debt but I had it once with a major work issue that went on for 2 years (one where I couldn’t win and it was a constant anxiety) and it was really draining. I hope things look up for you soon.

Snuggly don’t feel guilty, we all get snappy at times! DS is also going through a disobedient phase, it’s very tedious but inevitable I reckon. Grrr.

No improvement here re. The bad back - in fact, after a couple of hours of being able to walk around slowly it’s much worse again. I was sobbing and yelping earlier when I was stranded by pain - I literally couldn’t move, even with help. I think I scared the DCs . I couldn’t get through to the GP at booking time today so I’ll have to try again tomorrow. I’m so worried and miserable - I just can’t look after the children at all, and can barely even look after myself really. DH can’t keep taking time off so I’ve no idea how we’ll manage if this drags on. Which I’m suspecting it will.

I am also sad because I can’t hold and cuddle my beautiful DD and she is so bewildered. She keeps crawling up to me all smiley and hopeful and then bursts into tears when I don’t pick her up.

I’m a bit of a wreck at the moment.

seacow I hope your back improves soon. So frustrating and really not what you need

I'm really sorry to hear it's so difficult Christmas. I went through a phase like this after years of grind with ds, and my dh had to take 3 months off to care for ds, because we just had no option. If you all need to just down-tools for a bit, then it's probably doable if you have the savings to manage it, and if your dh's boss will allow it. You have pretty compelling personal circumstances that are easy to explain. Take care there.

Seacow that's so annoying I hope you can get to speak to a gp tomorrow.

£25 fuel. It was £1.29 a litre so it's going up again

Lamb kebabs for dinner. Yum!

£6 on fruit

Do you have a walk in centre sea - pun not intended

Lonely what about trying step change. Talk in peace debt thread is meant to be good too.
Can you make this month's payment and maintain it of your can't get another 0%. How long will that take you to pay off and is it do able.
Be careful of IVA/ bankruptcy. Would you have to sell your house of you did that?
Are you to the bone with all bills? Best deals and all that. I'm sure you will be. Is there any way you can up the selling - bike events/ car boot/ eBay shop.
I'm sure you have thought of all of this and don't want to patronise you.

Can dp up his work?
I know nothing about benefits sorry.
Could you do cleaning nearby. Or sewing for people? There is always a cry out for good cleaners / people who can alter/make things

Lonely sorry to hear money's so tricky at the moment. Child minding might be an option given the experience you have, and then you'd still be at home for your family. People will pay well for a really trustworthy person.

I'm feeling quite jolly today. I've been working on my vitamin D, just by going out in shorts and I feel a lot better for it.

Sorry to hear you're in so much pain Sea. Hope you can get some treatment ASAP.

Will catch up later. But just wanted to say NSD! That’s my first for a while! Wooooohooooo

Since leaving work I’ve picked up Ds done two loads of washing have made dinner sterilised bottles washed up.

Nursery told me Ds had 3 “loose nappies” and was sick today. Sigh. But they’re not overly worried as he seems happy in himself. They think teething. I think teething.

Thanks for new thread wolf.

Have totally slipped off the frugal wagon this month. I have not meal planned for about two weeks and have been relying on Tesco deliveries as have felt too unwell to go to Aldi or Lidl. I couldn't live with doing all my shopping in one place long term as I find it so restrictive. Hoping to feel well enough tomorrow to go to B&M as I need to stock up on cleaning stuff.

Seacow that sounds awful with your back. My DSIL has had similar and ended up with anti inflammatory injections from the GP as she couldn't move.

Lonely you are so talented and can turn your hand to anything there must be a job out there for you. Hope something turns up soon for you.

Welcome to the new people.

lonely agree check out talkinpeace’s debt management thread. Some great tips there.

I rang NHS 111 and because of another symptom I have they have which might mean a spinal problem they said I need to go to A&E. My sister is driving down to stay with the kids, we can’t leave for a while because she’s more than an hour away. My mind is going into overdrive about worst case scenarios, I just hope it is only a slipped disc after all 😬🙁

DH is still reading bedtime stories so he doesn’t even know about this plan yet. I am stranded on the sofa. Goodness knows how I’ll actually get to A&E.

Sea, deep breath. If they thought it was very bad they would send an ambulance. It's better to be checked out and a&e will have all of the kit needed.

Ah sea think of it this way, at least it's being sorted. Had you waited to try and get a doctors appointment you might not have had any relief for another 18 hours at least! You can't manage like this. So pleased your sister is coming to help out with the dc

Here's a friend I made today

Sea good you are getting checked out. Any tingling numbness or loss of bladder or bowel function need checking out. My tip is to take very small slow movements to get to vertical. Wait a little bit to stabilise in vertical until you start moving and make sure your weight is spread right through your toes and your toes well connected to the ground. If you struggle down the stairs though you may be best going down on your bum very steadily. Use someone to help you around but don’t let them pull you, use them to stabilise yourself. Anyway that’s my top tips but I can appreciate you are probably in agony and very miserable

lifes right, they’d send an ambulance if they thought it was really serious. Hopefully your inching towards relief.

I hope you get there safely seacow but if you can't manage to get into the car and they think you need to be seen then they might need to send an ambulance for you.

sea ouch... Hopefully it is not the worst case scenario. I know it is hard not to.
Lonely what type of job are you looking for?
Hello new peeps.

Lonely do you have another card that might have a deal coming up that you can transfer the balance to. I am in a similar position with a card and payment have gone up over £100 a month but having just shifted some debt I can’t shift anymore at the moment. Is there any where you can trim to help ease the squeeze?

I’m having a shocking week. It’s been a major marriage milestone, ds is struggling with sats and I’m an emotional wreck. I don’t think I’ve cried as much since this shit started. I’ve asked for land registry deeds and online house valuation today (in advance of getting an estate agent round). My boss witnessed my death benefit transfer form and I was so pissed that h didn’t l ave me a letter today in response to mine that I’ve actually taken his number off ds’s phone and sent a text. I may live to regret this.
Holiday company couldn’t reach a solution so I have cancel the whole holiday. I am massively annoyed about this as I’ve looked forward to the break for a year and I can’t afford something equivalent for ds and I although I will keep looking. They can’t repay me by card so it will be a slow cheque payment which could take seven days to eat here - I am frustrated by this