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Showing posts from 2012

Budget living woes

Hi all, I sold the carrier that I should never have bought, and also sold some live role play costume that I'm not using any more. The funds just vanished into the current account and seemingly didn't touch the sides. This month would have been horribly sparse without that extra coming in. I really am freaking out about how we are going to manage on the DMP budget for another 6 years.  DD1's bargain birthday went pretty well, the only traumas were the sort that overwrought 6 yr olds cause and nothing to do with any debt / lack of money issues. We are incredibly lucky that my Dad is able to help us financially, and last week he bailed us out again when our car broke a spring and needed £250ish of repairs. I am equally mortified that age 37 I am still needing his help and pathetically grateful that he can help out when we need him to. DMP wise we are waiting to hear from creditors who CCCS will have contacted re the new lower payment offers since we lost our child tax

Back from outer space

Hello again, it's been a while! Brief update DD2 "Lexie" born 15/3/11  she's amazing and a total joy, apart from the not sleeping thing but hey ho! DH left his job when she was 3 weeks old, he had a breakdown and just quit with no warning. Needless to say that was a bit stressful, and didn't exactly help with the being in debt situation. Fast forward to now DH is a SAHD who works one day a week I'm back at work full time but compressed into 4 days, so I do 4 ten or eleven hour shifts in a week. We are on a DMP (debt management plan) with CCCS and if our income stays the same we will have paid it off in 4 yrs and 10 months. The budget is really strict and leaves no money for "treats", we are only one month in and already I'm pretty depressed about having to scrape by. I remain credit card and store card free and have paid off Next Marks and Spencer Monsoon  debts which were about £1200 in total I am still an addict however a