Do you smoke too much, want to cut down, but now actually quit ???? (sorry this is not a "quitting" thread)..

[FAQ]

Come and join me please. I don't want to quit, I just want to cut down (dramatically) , so please don't come and tell me "well just quit" - thank you

I smoke roll-ups now, and as I roll them as I want one my smoking has got totally ott. Unlike a packet - where you can see how many you've got/had I only have the evidence in the ash tray at the end of the day - and it's not good (I think I must be smoking close to 40 some days if not more )

Last night I sat down before I went to bed and pre-rolled 20 and put them in my cigarette tin. I've figured that 1 per hour during the day (if the DS's will let me escape long enough) and then I@ve got a few extra for after they've gone to bed).

It's been tough going so far, the amount of times I've reached over to roll one........then realised I have them ready rolled and that actually it hadn't been long since my last one is quite shocking. However the one per hour is working so far (I'm currently trying to kill time to leave my one for this hour 11-12 as late as possible).

So - do any other smokers (who don't want to quit -but just cut down like to join me?

off to hang out new load of washing then i will have a cuppa and posibly a smoke !!! made ten up this am so will see if i can make do with that for today,im not doing well trying to get to 7

if I didn't have any I'd go crazy - had a few this morning - 4 (5 including my left over from last night). Have to pick DS2 up from school soon, then get DS3 down for his nap and make lunch - so probably won't any more for a while.

im just about to have my third then ill have another after my lunch. so im not going to bad today.

your doing well seashells,i had geared myself up to having one when i had hung out the washing but i havent had it yet so will try and hang on a lot longer if poss.

Ive had 5

But ive been up since 5.15am!

Going to try and only have 2 this afternoon.

Mummy - I saw Footloose in Ipswich im afraid! They are doing a UK tour. It was excellent though - just be warned - you will jump out of your skin at the start!!! We knew it started like that, and DH still managed to jump so much he nearly dropped a whole packet of minstrels!!!

Well done everyone else. I will do better, I have to. Have saved so much money this week by watching how much I smoke.

DH had 2 yesterday and none so far today. He has had 20 all week!!!

oh, and if I have none in, it drives me insane! I send DH out as soon as I get to 5 or 6 left!!!

oh god it's all going to pot again.

Just discovered that

a) exH (despite having 2 weeks to sort it) hasn't managed to arrange transport to pick the DS's up tomorrow, so my childfree time is postponed until next weekend.

b) Despite my extreme budgetting to help towards the last repayment amount on the mortgage (before the bank will let us switch to interst only mortgage) he doesn't think he'll be able to make up the shortfall.......if it's not paid on time the bank won't let him switch, he can't afford the repayments here and his rent (even with me helping towards it) so the house would have to be sold

oh FAQ {hugs}

smoke smoke and smoke some more.....

I think I could have cope with just a) - I knew it was a possibility that it would be postponed until next week, and he's said he'll have them next weekend and the weekend after to get the weekend back in sync.......but the house thing.

Well I thought it was all sorted out, if he'd have told me earlier in the week, or last week, then I may have been able to source some more money to help make up the shortfall, but it'll be too late now. If he doesn't make that payment then the house will have to be sold and I'll have to move into a rented place with the boys (and find the deposit from somewhere for it).

only had 2 today and feeling quite pleased with myself

oh dear FAQ thats a big worry isnt it.I bet you were looking forward to your free time so much,I dont know what to suggest about the mortgage,i dont know your history but is it poss for ex dh to get a loan to help out ?Its a bad time to think about selling at the moment ,you prob wouldnt get a good price for it as things are.Fine for the buyers but not so good for the sellers.I would think you had enough t worry about ,just looking after the children on your own,and running the home.Go and calm yourself down ,have a smoke if it will help and a coffee/tea

He's already got a huge loan so another loan is out of the question.

We should get a decent price for this house, a few others sold recently (and quickly) on this street - and the next one in the last few months or so - a nose ourpropertyprice - reveals they sold for around the asking price.

We're lucky here that we are in prime position for one of the best infant schools, and by FAR the best junior school in the town (living here is guaranteed getting into the infant - as we're next door - and once into the infant you're guaranteed a place at the junior school) so people are still keen to buy here (for now) because of that.

I just feel sick, I thought I'd been here and got through it (just over 2 weeks ago) as the solution had been found, but now he drops it on me that actually the important payment may not be made so the solution will become nul and void.

is there anybody you can go to for advice ? im sure you dont want to move ,especially in view of the fact you have such good schools by you.I dont realy know a lot about mortgages as dh sees to all that side of things and things have changed since we first bought ours.But there is the emotional side for you too ,its your home.

the schools thing isn't too much of an issue, DS1 is already at the Junior school, DS2 has just started the infant, after children in care etc, siblings (at either of the 2 schools) are next on the list with regards to being given places so 99.99% certain that DS3 will get his place in a few years time.

I should be able to find somewhere round this area to rent, I don't get housing benefit but am finding £400 a month out of my IS, CB and CTC to pay towards the mortgage. So long as I can find a deposit and rent for a month or two for somewhere round here then I'll qualify for HB - so wouldn' tneed to put the whole £400 towarrds my rent (unless I wanted to find somewhere really big and flashy).

I would be a lot better off financially, but as you say it's my (and the DS's) home and exH has already agreed that once I'm back at work in a few years time, so long as the mortgage company are happy, he's willing to hand it over to me. (if we manage to keep it for now that is obviously......).

The bank have agreed to switch over to an interst only mortgage, but that depends on the payment for the normal amount being made on the 1st October. If we did that, then we could afford for me to stay here until I'm in that position to take it over fully, then once I was sorted with work etc could switch back to repayment........obviously there's always the risk with that option that I can't afford the repayments and so would have to sell anyhow, but that would be years down the line and I would have time to get used to the idea of moving......

well i hope for your,s and your childrens sake something can be solved so that you can keep your home ,i think i would be devastated.We still have a couple of years to pay and must admit i have thought about if we couldnt afford the payments,Dh is self employed and is an electrician ,so relies on the building trade for his work, and at the moment its not too good for that proffession, good luck see you later.

Hoping you can get something sorted FAQ xxx

Have had..... erm...... 6.

But hey ho, its friday, its nearly the weekend, im gonna chill it a bit!

(Plus im smoking on your behalf FAQ, so at exh for you)

I've had >> 11 from my tin, plus the spare one from last night

dont worry about it FAQ but please please keep coming here for support! We luv ya!

really annoying as I got my gas bill for the last quarter the other day - and it was much lower than I'd expected it to be (nice surprise) and it was taken from their actual reading, electric came this morning - a little lower than I thought it would be (estimated reading, which is higher than what I have as recorded - but I'll leave it as it means the next bill won't be quite as high ), and when I dropped DS2 at school this morning I was told the free school meals form had been processed (only took it into the school on Monday afternoon!) - so I was feeling happy that things were going to be a little easier.....

And then this blow about the house (again)

So there have been some positives today!

Dont know what to suggest my love, how much is the shortfall on the mortgage payment?

well it would appear that HSBC have been wankers (AGAIN) the information they told exH just over 2 weeks ago was a pile of sh*t.

He's been into the bank this afternoon and spoken to someone in RL, rang me and I could hear from his voice he was genuinely upset/angry with them.

Turns out that in order to be considered for interest only mortgage we should have 20% equity in the house.......we don't - we're about £12k short of that.......and even then they may not have agreed to it anyhow because of the credit crunch and so we're going to have to sell.

The only way I can afford to move somewhere half decent is if I don't contribute towards any more of the mortgage payments (which he's agreeable to) and so now it's going to be a race between us/estate agents and the bank to see if we can sell before reposession starts

i have only two left in my tin and i made up ten thgis morning .My grandson has been here for the last two hours using my camera and my computer to do something for his college art work so i havent been able to get on here,then dh wanted me to find invoices from 2006 and its made me stress out !!!!

oh FAQ im so sorry sweetheart.

you really dont need this shit.

Maybe we should just start a new thread of "smokers corner"

Hope ExH can be amicable enough to get the house on the market as soon as possible.

(As an aside, I know scottish law is slightly different, but my aunt left her husband and didnt pay the mortgage on their house, got it on the market and managed to sell it well before mortgage company reposessed, and it took 6mnths for the house to sell.)

he's being very amicable about it, he doesn't want to have to sell it, anymore than I want to move out of it. He was more than happy for me to take it over once I'm finally working - as at the end of the day the DS's would benefit from it. When we first bought a house (not this one) we both agreed it was for the DS's long term benefit - not ours.

I'm just hoping we can get it sold before the mortgage company repossess......it's a good area with excellent schools, and house prices are still ok (for now).

if you make a new thread can you leave a link as to where you have gone ? i wont be here later Faq your boys are lovely handsome lads !now on no 9 !