Nope, not a relaxing Mother’s day Sunday… still reading, learning, trying to figure out, putting figures together etc…
24 hours straight, pretty much - since yesterday’s phone calls to the banks when the computers said “no”
Good to have found this Forum - so it is not just me…Really depressing to see how many people try to get out of similar mess and clutching at straws.
So may IVAs approved only to fail shortly after. Why?
Reading more, looking between the lines, trying to figure it out.
Stares me in the face. Not enough information to make informed decision, a bit pushed I think into financial arrangements based on figures that are too low to live on, happy to see lower repayments and not realising those were still too high with no allowance for any “emergency”.
Emergency… my little baby dog was spayed 3 weeks ago. Not an emergency, 200 on the credit card for the operation. And then.. infection, 2 weeks of antibiotics (injections and tablets), ever day visits to the vet and “Do you have an insurabnce?”. Nope, I did not. Thanks God my vet reacted in a way he did to my apperntly “going white” on my face and.. charged me only for medicine, not for consultations and procedures (draining the wound etc). Lucky? yes.. THIS time. But what if..?
Have to get Pet insurance, looking it up - comes out to 38 per month for my dog and about 20 for the cat. Yup, there are cheaper options but do not cover all possibilities. In that case I would need an insurance AND bit for other emergenices too….Anyway have to allow for possible “excess”. Also, flee treatment, worming, yearly vaccinations - not covered by Pet Insurance. Got to allow for those. Somehow.
Also - cat litter. Do not have a garden. Need cat litter. Need food for cat and dog. And bedding and food for the hedgehog. He lives indoors, does not cost much to kleep but still.
The dog was bored, ate some cables - repairs. Got to allow for those.
Forgot about perscriptions. 3 items per month for me. What about optician? I wear glases. What about dentist?
Housekeeping. What goes into this? Saw 20 per person on Melanie’s blog. Jesussssssssssssssssss - what can you get for 20 per week per person? Maybe with a big family if you buy in bulk. It is just me and my daughter. can not buy in bulk, have to overpay for smaller portions of everything. Not all can be frozen and kept for later.
Washing up liquid - does it come under housekeeping? In those 20 per week? Washing powder, floor cleaner, bleech, shampoo, totpaste… Tampons? Jesusssssssssssssssss Can someone define housekeeping for me?
Have to wear suits to work - dry cleaning. Shoe mending - where to put that?
A friend calls. tells me off for being on here pretty much for 24 hours. She is right. She is always right.
Ignoring the mess all around me - taking the dog for a walk now, long walk. Will be watching out for other dogs - not to attack my one. Have to be careful - do not hhave Pet Insurance.
