Broke my ebay cherry as a seller!

Am finally with the programme adb have made £28 already - am liking this muchly!  I wait with baited breath to see what follows.....

Will car boot if they do not sell with a few other things but hopefully....

B and I got a bit sad about the selling of the baby equipment but we know its a shot inthe dark and I cannot afford to store or move them with me on the off chance. Its all good stuff- some thingswhen I had money I didn't scrimp on,  thinking they would get much use and at least a second outing oh well.

We are ok and waiting and seeing how the long distance and the move thing works out.

One of the days activities - the one we will be going to!!!

Saturday 29th Event in Market Place 6pm - 8pm ( cut and pasted)
Best Witch Competition in Market Place
Toffee Apples, Roast Chestnuts, Roast Sand-Witches! Hot Dogs (or Cats!!) Hot Doughnuts.
Ghost Walks for families and later for adults.... - "click for details" ( this is pricey so will not indulge)
Ghost Bus - Saturday to do tours around the town pick up next to Market Place 5.30pm - 6pm, 6.30pm, 7pm, 7.30pm. (Times and fares to be confirmed)
Craft Fair all day in Northumberland Hall between 10.30am and 5.30pm

Barter Books - Saturday 4.30pm to 5.30pm Spooky Stories for under 10yr's. Tickets only, (free!) available from Barter Books Tel. 01665 604888 website

Not a bad journey to drop off Weeny when I pass this every day just the rest of the A1 that stinks!

Mid October!

Spent the day after swimming sorting through cupboards - we have the enviro clothes pile, the car boot pile and the eBay pile.  I have also looked out gold to sell.

I have given Weeny's cot to a friend I could have sold it but it meant alot to me so I gave it to someone who would appreciate it.

I have £15 in survey  vouchers put to one side.  Hopefully these  combined with the selling endeavours should cover Christmas for weeny girl. I shall not be purchasing anything other than for weeny for Christmas. I shall not be sending cards or presents to anyone. Tough boobies! Others should understand that there will be no coffers left over after moving and I will not do unnecessary debt.


Putting hopes and dreams to rest and its ok..... Not just the financial ones but the personal also. Clearing out stuff like cots today was not as bad as I thought it would be. Time is up for me. Weeny is my only focus now.


Halloween!!!!!!!!!!!!!!!!!!!!!!!!!!!!

We looked out our ghosty stuff. Alnwick has some activities on over Halloween weekend - spooky bus rides on an old dreadnought bus around the town, t(he castle and town can be rather spooky), stories in Barter Books - a massive second hand book shop in the old disused station and a competition for best witch and wizard in the market square. We had a trial run to day with the outfits which inspired weeny to watch Shrek 3 ( has lots of witches in it) and Harry Potter 1.  She wanted to sleep in her witch outfit.. ahhhhh bless.  All the activities we are doing are free btw which is ace.


We had curry - homemade and left enough to freeze for mummy's lunch next week. The thermostat is showing 16.5 degrees,Heating is set for 15 which I think is a little high.  Only when it drops below 13 degrees do I feel can I justify heating. Both of us manage fine with blankets and cardies at the moment.

We also harvested our paltry carrot crop  - rubbish but fun to exhume!!

Biggles doing a 22 mile walk with some military buddies  dressed as a woman,  all for charity. He will spend the weekend very very inebriated. Been a bit distant from B recently. Am finding it difficult to see a future... maybe this will pass.  I just do not  see a time when we can be together or when I will have the funds to be able to visit him. He will be away for minimum of two years then who knows where. I need to make my debt a priority then look at ways to become more financially secure for weeny..... I don't see how 'we' him and I fit into each others life plan anymore long term. Sigh hopefully this will pass. Weeny adores him. She will miss him terribly when he goes to London and I really don't know how I would handle it with her if he was not going to be part of our lives anymore.

Not making decisions just struggling with 'us' at the moment, what that means given me being absolutely totally 100% broke for the foreseeable future.  He knows something is up - I turned down the walk today( civvies allowed)  and also  have made excuses about him staying over when he normally would have. Needed some thinking time.


Que ser whatsits eh!

So they came back with 86k. I am taking it an drunning. Will still accrue debt to the tune of approx 2k. It may get worse and I cannot take that risk. At least I can leave with my credit rating intact and the possibility of another mortgage in the  future..... probably not but hey whats wrong with housing association????


Well some of them.....

I am downabout the loss of money and time with weeny girl. I coudl have opted for part time work and mothered her full time rather than three hours a day which is the approx amount of time I spend with her each work day.

I have put most of my goals away accepting that they are not I to be. Not as if I wanted to clinb everest like.....house owning of some sort, re training, more than one weeny, financial investment and security etc etc

I can do nothing till I clear the extra debt I shall accrue from selling and moving, solicitors, short fall etc etc. 

We are swimming tomorrow morning then I have a plumber making an appearance to remove taps and sillicone the bath - no more weeny girl overflows or splashes and the downstairs ceiling should hold till I sell.


I have a survey of the house on 24th = am hoping it does not show any faults or bring the price down at all.

I have completed my social housing applications and hope these turn up something soon. renting privately is not great and expensive. I may enquire about any empty houses on the college agricultural site estate.

Am clearing out clutter tomorrow as well - what is to be sold, booted, ebayed etc, enviroclothes.....  Shoudl have quite a bit to get rid of.


Eeek

Have extended the mortgage till I am 75... sigh. reduced mortgage payments by 80 so that helps a bit. Will change estate agents and remarket on 13th December. Maybe buyers will stick around.

Who knows.............. in the meantime its frugal frugal. I already feed and clothe us both for 160 pcm.

I think bugger it - will work term time when I move into social housing. Oneday willhappen at least then I can look after weeny girl properly rather than chuck her out to daycare. Thats the annoying bit - the lost time all for nothing, no security no investment, no option of starting again.

heating - have not had th eheating on so far and plan to keep going as long as possible. blankets it is!!1

coming to terms with the fact I am in the financial mire and shall never recover.

Doing my sums - looking at rentals, social housing etc etc  Reason being .. I have had an offer eon the house. 84k.  The estate agent is aware the least I can take without being left with debt is 86763.90. This means I will still have to pay for my moving costs/solicitors. Hey when you are out of pocket by 15k then its small fry.

I cannot take 84k. I wil lthen owe the best part of 3k on top of my other debts.

I wait with baited breath - I can do £86  just. adding to my deficit by 763.90. Estate agent are shite - they know my limits and are encouraging me to take the 85k ( increased by 1kby vendors)

I shall never have another property - no deposit. All gone. I will not be able to return to uni to retrain - no money. I will not be able to consider term time working - minimal mothering.

Great eh ! Applying for housing associations and the council just in case they decide to take the 86k


Debt - great!  I thought you were supposed to  have something to show for your excesses. If I did it would be a sweeter taste left after the bitter pill.

Well the second time viewers had an offer accepted on another ouse so they didn't come for their viewing.
My house sale has dropped to 80k to try to stimulate some interest. This is 18k under what I paid. I need at least 88k to pay estate agent and mortgage. I would then still have to pay for a solicitor. I would be free but would have nothing.

I am not hopeful of anything happening anytime soon. The nights are drawing in. Christmas is only two pay checks away for folk who are paid at the end of the month.

I need to contact the mortgage company to ask them to allow me to start making interest only payments again.   They are sending a form.

Even then who knows how long I can manage for?? Any unexpected  bills and I am buggered,

I hate my job. It is rapidly becomming clear that we are under stafffed and the tasks we have been given is ridiculous. Compared to to other colleges we have a ridiculous amount of work to do with a tiny team.

I hate the hours away from weeny girl - I have missed her babyhood, toddlerhood. This is time lost I shall never get back and everyday more slips away from me. She begins proper school next September.

The payoff for working and missing this was investing money in a house becomming more finanically secure before I could reduce my hours to term time. I am on reflection upset and angry very angry about this. Its losing the time with her  that I am really angry at.  I could have stayed in rented accomodation  and had more time with her.  More time with my daughter. My only daughter.

My petrol costs are crippling. I spend more on petrol than I do on food.

No money, no security and I have lost the most precious time of all.

I feel as if I am waiting to sink. My disposeable income after everything is £6. Some bills - car insurance, utilities all increased, petrol has increased. I pay more council tax now that I am working full time again. I owe more money to friends and on a credit card than I have ever done before - 5k approx. No interest on any of it at the moment. I have 17 months to pay the credit card. I can reduce B 's repayment but would prefer not to.

I need to focus on what I can do however the motivation to tart the house up for it to be sold at a much lower price - making a significant loss - is nil. I have no money to replace carpets, do DIY.

My windscreen has a crack in it and this is another £60 to replace. ( Excess).

Biggles moves to London for work in  8 1/2 weeks.  Will really miss him. Its great just knowing for example that there is someone there for  weeny if my car breaks down.  He can usually help but London is a bit far away. Will see him most weekends but thats not the same.