Had a fright this morning. Our computer ‘lost’ 100′s and 100′s of photographs. Every folder was empty. I was gutted – felt sick – we’ve not printed them out. Restarted the computer…….and there they were! So all being copied this morning to an old spare hard drive. My DH has like an Aladdins cave in his garage. Whatever I need he can find in there! You see, priorities. My heritage is far more important than a stroppy individual hassling me for money.
 Email from Reviva – court date booked – gulp.
Lloyds TSB Credit Card – I spoke to a human bean yesterday! At last. Have blocked all calls for 2 weeks. And logged that I’m having to go bankrupt. So, hopefully a bit of p & q from them.
The mortgage company have agreed much reduced payments for the next 3 months and then to go back up and to discuss how to clear the arrears. Although charges were a bit excessive. First £35 for bounced payment. Fair enough. Well, not fair enough, goes back to the arguement that there’s no way it costs £35 for an item to be returned. But that’s a whole different issue! So, phone and explain the situation. They offer to send out an I & E. Yes please, then charge £35. Then within a week we get another £35. I phoned and had a moan. I mean really. They offer to send the I & E on the Thursday. I receive it on the Saturday. Get it back in the post on Monday, and they slap the charge on Tuesday. Bit too free and easy with the charges methinks. So, thumbs up for Birmingham Midshires for agreeing reduced payments, and thumbs down for the excessive charges.
Our bank account has been fun. They were on DH’s IVA proposal. Although we’ve moved most things to our Cashminder accounts, there’s a couple of odd payments that we didn’t catch in time. So half an hour has been spent in the bank while they make various phone calls to allow us access to our money!
Have been budgeting in earnest recently. I have about 20 baggies where I put each allowance in and then we live off of them. It’s taking a bit of getting used to, but so far, so good.
 So that’s where I am. Good days and bad days. Todays a good day – after the photo scare - and I plan to spend the afternoon watching the footy on Sky. Will be the last chance as Sky’s being cancelled on Monday. Think about it. We pay £55.00 a month for Sky; Sky Plus; and Sky Sports. That’s over £600 a year. Which could fund a week away. I shall miss UK Living; Sky 1 and Hallmark channel, but not enough to warrant £600 a year.
