Uni interview, Carlisle and t'other tales.... To debt or not to debt...

Wednesday, 30 March 2011

Uni interview, Carlisle and t'other tales.... To debt or not to debt...

Well uni interview went OK I think. If I am offered a place do I student loan it or not! Given I have additional debts to repay la famile after the credit card debt I have a big decision to make. If I am offered this place I will be able to do something I have wanted to do for a very long time but it will involve more debt and I will have to rent out the house ( no sign of a sale - no one even viewing the damn thing) and will have to add to the rent to cover the mortgage meaning I need to borrow more/trounce savings. My initially thoughts are maybe try next year............ but the course may be scrapped by next year - I need more information on this point.

Alternatively I could apply for a part time course for next year 2012 start which would take approx two years to complete if the course is still running. I need more information. I also need to find out if I am offered a place. Regardless of whether I go or not I would like to be offered a place for purposes of ego!

I have financial things to sort out first and a new job to start as well as a current job to complete - I have a ridiculous amount of admin to do for this thing. Grrrr stupid IT that relies on your home internet connection.

Don't think they allow people to defer.... would be good if they did then may have a chance to sell the house and be in a better financial position. Ho hum

Weeny girl had a fun time and really enjoyed her 121 time with Biggles. She adores him but is a natural child around him- comfortable enough to be naughty lol She went to soft play and scored for a rainbow coloured alice band for her hair which she will wear with pride to nursery tomorrow.

I get paid tomorrow and will start the frugalling plan anew. With silly interviews and such I have over spent this month. I have also thrown away a receipt for work expenses and it was approx £9!!! This silly behaviour annoys me big time - I deserve a slap for wasting money!

I am now on the hunt for a dust ruffle - valance sheet for a king size bed. Plain - cream, beige, ecru, brown - all shades ( BORING but goes with the rest of the plain stuff till I get busy with the paint brush.. not sure when this will be as I have plenty projects and things I need to do before its a priority!!!)

Paper work is a calling - personal admin as well as work - booooo

No comments:

Why do I Blog!

Well primarily for me its a cathartic get it off my chest / a means to organise thoughts / to take stock. A journal that in 2012 has an interactive ' Dear diary' that is vast.

I don't write to share wisdom. Have very little of that. I don't claim to have an aspirational lifestyle of any kind. I dont write for it to be read even. If it is and my mad mixed up life interests people, makes them laugh, is a bit of a soap opera, whatever then that's great. Blogging - a bit of an affirmation of real life life choices maybe....

Sometimes my blog brings order and reflection to the real world. Sometimes Blogland folks share pearls of wisdom which is very very cool! :-)

I ve gained a great deal from reading other peoples blogs. Different ways of life are always interesting. I don't get involved in giveaways or stuff like that. I think its lovely though. Am pants at choosing gifts and it would give me no end of nightmares.

I read blogs before I blogged. Some people share so much and through reading I have learnt a great deal.Practical and otherwise.The tips are fantastic for frugal stuff. As are the stories of strangers lives. INSPIRATIONAL and all wonderfully different.

I m a bit of a roller coaster girl up and down. The blog keeps me more train like. Also an outlet for the negative stuff. A bit like wind. And by that I mean the gaseous stuff. BETTER OUT THAN IN. My blog is then a load of old fart.....this amuses me greatly.

Thanks Dave!!!

Once upon a time the end was in sight and financial freedom from my little debt of under 5k was nearly within my grasp! December 2012 if not before with the benefits of frugality however our friend Dave had other plans!!!!

I was made redundant from my job with a pish package I took what I could find till a full time position. Finally taking a 10k salary drop.

In 2009 I invested in property buying my house with a 15% deposit. n 2011 after three years of home owning and negative equity to the tune of 12k I have finally sold and now have jack bloody buggery shite. What smarts is that I gave up time with my small child in favour of seeking security for us. If only I had done the opposite....... rented, claimed top up benefits and saved my hard earned cash .... quality of life for me and weeny girl for three years would have been be better and we would have a cash sum in the bank and no debt.

You play frugal, play independent, watch your consumption, don't do frivalous sofas or new cars, no nights out at the pub type debt just what you have to! After a double whammy from the government - house market slump and Local Authority redundancy compounded by rural living what is a single mum supposed to do???? = Suck it up, Keep smiling, and use a brush instead of a hoover.