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Debt mutual support thread number 7 ....... Spring is coming - let the sun shine into your finances and your life

545 replies

TalkinPeace · 25/02/2015 19:25

This thread follows on from the last six threads in the series, the most recent of which is here.
www.mumsnet.com/Talk/legal_money_matters/2258202-Debt-mutual-support-thread-number-6-start-the-new-year-with-a-clear-purpose-and-keep-moving-forwards-even-by-tiny-steps?

We live in a society that makes it horribly easy to get into debt but makes it incredibly hard to admit you have a problem and even harder to get out of debt.
The posters on threads, new and experienced, are here to help people get to where they want to be.

I am not in debt, any more.
Here is a link to some spreadsheets that might help
www.mumsnet.com/Talk/legal_money_matters/1987219-SPREADSHEETS-for-Debt-Control-Budgeting-Mortgages-etc

and lots of people use this
YouNeedABudget

The important things to remember are

  • yesterday is as past as the Crimean War
( we will not judge how you got into debt, but we will support you on the way out )
  • this is an anonymous forum
( we will not tell your employer, family or friends of the reality of your numbers and we are here day and night )
  • this thread is about supporting people through the huge mindset changes needed to come out of debt
( feel free to offload all of the feelings that drive you to want to spend, that make it hard to save and that generally make life crap at times, including getting those closest to you to recognise the changes needed )

Join in, bare your soul and come out the other end.
Its worth it.
You are worth it
The long term results for you, your partner, your children, and your friends and family are worth it.

OP posts:
Unescorted · 08/03/2015 19:09

Baddz we have a friend slightly older who had a stroke last year who has made a remarkable recovery. Not 100% but people can and do come back from them - our friend is a very determined person which helped. It sounds as if your BIL is of the same mindset.

Fairy the stress is awful. I am the same as you - I need my space. Somewhere I can just be me without having to deal with everybody else as well. My family think it takes hours to do the supermarket shopping - in reality I just take a book somewhere and read for a bit having sped around at breakneck speed. My other escape is going for a run - long and slow Wink. They think I am a much better runner than I am. Grin I feel a bit bad about lying to them but it is easier for me than dealing with their uncertainties, frustrations and worries. It is great to have a place that I am me - not skint me, ranty me, worried me, stressed me, mummy me or wifey me.

Baddz · 08/03/2015 19:23

Thank you
It's good to hear positive stories
I just hope his word finding ability comes back :(

Fairylea · 09/03/2015 14:08

Baddz lots of hugs for you. What a stressful time Flowers

Lying that's amazing re 30k down! Well done...!

Jonty I have been using my emergency bath supplies and have made full use of my chocolate supply :) definitely comes in handy!

Unescorted I LOVE the fact you take "hours" to do the food shop and hide somewhere for some peace!! That is so me..I love it!

Thank you tip also Cake ... I have to keep reminding myself ds will start school in the next couple of years and things will be easier. Sigh.

Hmm well dh and I thrashed things out again (verbally discussed I mean) and we have come round to a mutual understanding... I think. I also put it to him that dd is now in high school and as much as he doesn't think things like having the "right" clothes and shoes are important, they bloody well are especially with all this friendship trouble / bullying going on. So he's decided to cough up £30 of his own spending money he had put to one side to buy something to give to her to buy some new converse or shoes as her boots are getting really very tatty and it's important to feel she fits in. I hate saying that sort of stuff because in an ideal world of course none of that would matter but pre teenagers these days are just brutal. I liked the fact it was his idea to give her the money. It shows he was listening to me. She is over the moon of course (if he hadn't dipped into his own little pot then we would have used money from the house account which we normally do but it would have been something from shoe zone or whatever, which is fine but it was nice to be able to buy something she really wanted).

I'm struggling with dd. I thought the toddler years were hard - and they are - but this is a different ball game. Yesterday she was in tears feeling stressed about school today and whether this girl is going to be horrible to her.. I kept saying try and stick with your own little group of friends and don't pay any attention etc. I've also told her if she wants me to I am more than willing to talk to the teacher etc but she doesn't want me to at the moment. So we will have to see how it goes.

What's really upset me is I looked up some of these "nasty" girls on instagram and Facebook (dd doesn't have either) and bearing in mind they are all year 7 (12 years old) I was really shocked. All their profiles are completely open, full of very over sexualised posey selfies and lots of comments of "hot babe" and all that everywhere :( .. l despair at the fact none of these girls parents seem to give a flying fuck to be honest. If I can look them up so easily so can they! I would be livid if dd had some of the photos they do. Completely inappropriate.

I feel bloody old.

I mean at the very least surely they need to be using privacy settings?! Grrrr. I was absolutely raging.

I also keep wondering if I'm doing the right thing keeping dd off social media or not. Given the above I think I am right. But then part of me wonders if I am isolating her more and making her more of a target by not allowing it....? It's a minefield. I have no clue what I'm doing. .

And then of course if I did let her on instagram under a very private account I had access too as well I wonder if she'd be bullied even more perhaps by these girls. I have no idea. Very stressed with it all.

Money wise.... well yes I am into the overdraft but I am hopeful I should be able to near enough clear it by next week. And looking at the cc I've paid off £400 since we got it. So I should be proud of that. Just still in a constant state of panic about money. It's like I'm just constantly wading through muddy water and trying to breathe.

JontyDoggle37 · 09/03/2015 16:42

Fairy the fact you've managed to pay £400 off the credit card with everything else that's going on is nothing short of miraculous, well done!

TalkinPeace · 09/03/2015 17:08

Fairy
£400 off the card is FANTASTIC. Well done.

Ah yes, teenage girls.

Personally I'd let her have FB and the like, on condition you are on her family / close friends list so can see all her posts.
Re the public FB accounts - have a word with pastoral at the school as they will be able to do an assembly that will get those girls to lock their accounts down PDQ

If she has a mobile, she's probably already got snapchat and gmail, and if the school use Twitter to send out messages then that can be useful even if its so acinine I want to scream when I have to read it

OP posts:
midnightmoomoo · 09/03/2015 19:30

baddz Flowers

fairy my DS1 is in year 7 and he doesn't have Facebook etc yet, and we have very strict parental controls on the iPad. He hasn't started on about it yet but maybe it's because he's a boy. I agree with tip about giving the school the heads up about the open accounts, those girls are extremely vulnerable and it wouldn't hurt to let school know. The main issue we have is not letting DS play 16/18 games on his Xbox......he doesn't see that it's not us being the bad guys, it's other kids parents being weak/lazy/stupid but we've told him no, and we're not giving in! There's always something isn't there?

Baddz · 09/03/2015 19:34

Bil has been in a chair today!
And eaten a jacket potato!
:)
My ds1 is in year 7 and has a very basic £10 payg Nokia phone for emergencies. He has had it for 18 months and I have only ever put money on it once!
He has an iPad and we have cable TV but there are parental controls on both.
He has a TV and blu ray player in his room but it can only play DVDs, and obv we monitor those too.
You do have to be vigilant.

Fairylea · 09/03/2015 20:18

Great news Baddz :) :)

Thank you everyone for the support and encouragement.

It's so difficult re teens isn't it. Dd doesn't have a smartphone. Just a very basic cheap mobile with no Internet access so I know she's not on twitter or whatever else. She does have a tablet but I check it regularly (she isn't aware that I do) and I have used the parental controls for this. One of our rules is that she also has to use it downstairs in the living room with us and because of our seating arrangements this means dh and I can always peek over and see what she's doing. She's not allowed to take it up to her room. Sometimes I feel a bit harsh but I'm trying to protect her. In lots of ways she's still a young 12. She's not as worldly as her friends I don't think! :) maybe I'm wrong. As she gets older and becomes more savvy I will give her more control. It's a learning curve for both of us.

I was wondering about reporting those girls to the school re instagram. It's interesting you think I should. I'll drop them a line tomorrow. It's weird because so much of school at their age doesn't relate to real life - in computing they should be covering stuff like cyber bullying and privacy on social media!!

Dd has come home from school today feeling a bit more positive. Fingers crossed it lasts.....!

TalkinPeace · 09/03/2015 20:30

Fairylea
There are several standard privacy assemblies that schools do.
There are ways that they are allowed to scare the wits out of the kids about privacy
and it kinda sorts itself

OP posts:
KinkyDorito · 10/03/2015 08:20

We are continually doing online safety at our school for all age groups, not just avoiding predators, but being careful about what you send out there. There are some excellent videos on YouTube. I would definitely inform the school. This sort of thing is a huge problem now and something that we deal with all of the time.

UrsulaBrangwen · 10/03/2015 17:29

Very pleased for you Baddz

Is it only Tuesday?

NSD today but did spend £8 at M&S cafe yesterday evening having cake and tea with my mum and SIL to celebrate the fact that SIL is booked in for a c-section tomorrow (she's 38 weeks but has a low lying placenta). I'm SO excited - it's a long awaited IVF baby and we're all so thrilled that the time has finally come.

Glad to hear that things are better with DH Fairy - I second the points made about contacting the schools about girls making themselves look vulnerable. I'm a teacher too and it will be taken seriously.

Baddz · 10/03/2015 17:32

Thank you.He should be transferred today.
Fairy...meant to say bloody well done on paying off £400 :)
Yes it is only Tuesday sadly :(
It's my first dental appt a week today....ouch (both physically and financially!)

Snowie2 · 10/03/2015 19:12

Hi all ! Just a quick update - paid e1850 to my credit card to pay off the balance & closing fee. Ill ring in a couple of days & close properly. Am about to cut up card too. The amount represents 2/3s of our total holiday savings so wasn't easy to save up ! Had to do it this way as I kept maxing the card every time I paid into it.

Proud !Grin. Only about 40k to go...

Lyinginwait888 · 10/03/2015 19:25

Well done snowie! I hope your Dh recognises how hard you've worked to achieve this.

KinkyDorito · 12/03/2015 19:11

Marking place Smile.

KinkyDorito · 12/03/2015 19:12

Well done on payment snowie. I'm here for the long-haul too.

How's BIL Baddz?

Snowie2 · 12/03/2015 22:24

Thanks kinky & lying - I rang today & closed it. They asked why I wanted to close it I just said "I don't want a credit card anymore" Smile

Right next task to save a 500 permanent cushion and not spend it every month...

andsmile · 13/03/2015 09:14

Sorry been absent from thread. It's now halfway through an expensive month but not helped by me. I feel very sad today.

Ive seen other have had a few up's and downs not read all yet.

But Flowers for badzz

andsmile · 13/03/2015 09:14

fairy - I have cherry bakewells today Wink a sympton of my week Sad

Baddz · 13/03/2015 11:49

Hi everyone.
Bil is improving.
He is now back at the stroke unit.
It's been a rough few days...
Grocery budget has gone mad, have had to spend money on hospital parking, coffees etc...it all adds up.
Mum and mil are getting a bunch of flowers from the co op im afraid :)
Dh gets his "bonus" at the end if this month so am hoping that will pay off both overdrafts. And pay for the balance of the holiday.
Hopefully.

TalkinPeace · 13/03/2015 16:38

I bought fig rolls while out shopping.
I do not normally impulse buy biscuits, but DD did not believe such things exist and they were only £1.17 Smile

Am utterly tired and in the middle of a cashflow hiccup both at work and at home - cannot pay my expenses because no money in company account, leaving no money in my account.
Cannot dip into DH company account because clocking up expenses for work that will be paid in a month.
Could dip into savings but I've deliberately locked them all away because I'm married to a fritterer

OP posts:
Baddz · 13/03/2015 18:19

Tip...Fig rolls are the worst biscuit ever. They don't deserve the name of biscuit!

TalkinPeace · 13/03/2015 20:31

shall have to agree to disagree as I love Garibaldi squashed fly biscuits too!

OP posts:
Unescorted · 13/03/2015 20:57

Snowie we are coming to the end of paying off all our debt (except mortgage). It has taken 6 1/2 years, but in June we will be debt free.

Baddaz that is really good news.

Tip Fig rolls rock - only biscuits that I know will only be eaten by me.

I got a proper pay rise yesterday... so pleased as it has been promised for ages.

Baddz · 15/03/2015 08:37

Should have my overdraft paid off by the end of the month (£300)
But my dental work will have to go on the cc Hmm
Holiday will be paid for too.
I have managed to kit out myself (dress) and both dc (trousers, shirts, ties) for the wedding in May for £80! Am quite chuffed.
They can wear their school shoes and ds1 can use the trousers for school Smile
I also have a wedding June so the dress will do for that too.