Changing bank accounts went in to town at lunch to open a new building society account i can pay direct debits from but i don't get a atm card i have to go in and draw cash out from the branch itself with my payment book that be weird and take some getting use to will stop impulse buying i guess ,

I will have to set up all direct debits again this is because of a joint bank account and a £3000 overdraft that my ex wife ran up,i bank with the same bank and because of what i earn and wages going i from both jobs every month i think they will confiscate all my money to claw back this £3ooo, this would make life for me unlivable and would put in serious trouble with my mortgage and car loan.

Due to the fact that my wife wont pay a penny TO CLEAR THIS DEBT OFF so every month for the past six months i have been paying the bank charges and interest charges and every month she has paid nothing , basically i have had enough the bank don't seem to care and wont freeze the account they wont put half in my name and half in hers so i can pay my half back they want it all or nothing so i am getting wages diverted in to this new account and they cant touch my cash right or wrong i have been advised to do this by cccs http://www.cccs.co.uk/ i am stopping payments on credit cards and all other unsecured loans i have my mortgage sorted, my credit rating will dive but with the cash i pay for child maintenance £300 a month spousal maintenance of £85 a month and £2500 solicitor bill that i am paying back at £75 a month.

I have very little choice every body has got there finger in the pie some want a whole fcuking slice i have to control my finances if i don't ,then my debts will just escalate the first thing i was advised was to open a new bank account today i did just that.

Now the hard bit starts once my unsecured creditors find out that they are all going to get a quid a month i think i be on top of everybody contact list I think my postman will be doing over time and i think my mobile will go to constantly ringing hope i can battle the storm and get out the other side in less two years all maintenance stops and my house gets sold and i get half the profits THEN I WILL PAY EVERYONE OFF hope it flies bye.

All these photos are of dining room we have not decorated this room we are planing on knocking through the wall were the book case is in to the kitchen so we have a large kitchen dinner similar in size to what we had when we was renting the house at Rodley .

We need to buy units to go in to each of the alcove's , also we need the computer sorting out getting it off the floor after a while your knees start to hurt and tend to lean over which is no good for the back.

I have put the wireless router near the porch at the front of the house this is where the phone line comes in i have run the earth net cable under the carpet to the back dining room so there is no no visible wires ,well hardly so far so good Sky broadband seems to be ok.
would like to borrow a laptop to check the wireless router out and see what coverage we get through the house,i might invest in a net book or a cheap second hand laptop if it was decent enough download speeds .

Back on line at home we have finally got our Sky broadband connection sorted out ,not before time .
got the pan rack up too,still ain't got a cooker yet but we cant have everything straight away can we .

finally got the grass cut to the front and the rear of the house Helen is now suffering with her recurring back pains she has been working really hard painting walls and ceilings she doesn't stop plus she has been doing extra hours on her hospital shift.Her son Ste who lives with us as been laid off which is going to make life had going his board money will sadly be missed so far he has paid us up to date so no immediate worries.
Need to start budgeting money know for the next couple of years we have to be careful both gas and electric are on metres we need to make sure they are always topped up and that no matter what we always have gas and electric.But still in love with Helen have no regrets still smiling still miss her when she is not with me got a trip planned for Scotland in November and going to wedding on the isle of White next year plenty of things to forward to plenty of things that will take us nearer to January 2011 when i stop paying maintenance money every month of £386 a month

My solicitor charges £195 an hour plus £19.99 per letter he sends out or his firm sends out how do they expect anyone to pay a bill of three thousand pounds i earn less than £13 a hour.

You don't have to be a mathematician to work it out i have to work 60 hours to pay him four hours work i owe him for just over 15 hours work if he works a forty hour week he earns £7800 a week that's £405,600 a year plus costs of letters they send out his wife works with him as a solicitor as well i bet they don't worry about the price of gas and the rising cost of petrol.

The minimum they expect me to pay is a hundred pounds a month three hundred pounds and two hundred pounds was mentioned i will be hard pressed to manage a hundred pounds a month

I was back in court Monday over the divorce before Judge Lord ,Lord being his name .Helen came with me again like she had done previously the month before , the valuation of the house the court had asked for had been completed and it had been valued at 110k giving 35k profit if the house was sold for that price , we previous had an evaluation to sell the property by a local estate agent who knows the market at 125k which my ex wife didn't revel to the court.

After three hours of backwards and forward all parties had agreed a settlement, that i would pay child maintenance of £300 a month which is what i was paying anyway and that i would also pay spousal maintenance of £86 a month this amount covers the cost of the monthly mortgage repayments that is until until my son is eighteen which will be in January 30th 2011,so in effect she is living rent free for the next two years .

I am looking at it as a bar of chocolate that has twenty four pieces and every month i eat a piece and then there is one less.

After the two years or twenty four months the house is then is to be sold i will legally not be responsible for paying her anything and the profits from the sale split 50-50 , my wife didn't seem over the moon about this settlement and i had already offered her the same deal out of court two months ago and she refused to get to here as cost me over £2500 in legal fees my wife is receiving legal aid she could afford to drag it out i couldn't to take it to the next round would have cost me another £3000.

I came out of court and had a parking ticket such is life still rollin bye just . Helen was magnificent throughout the day AS ALWAYS SHE IS and supported me the whole way through i cant thank her enough , she had words with my ex wife and had ago with her said boyfriend, she makes everything worth while she makes me happier than i have ever been and she is worth more to me than anything, happiness makes us live longer and if it doesn't at least it makes the journey more worth while

Helen started painting the other bedroom yesterday are also going to take up the carpets and paint the floor in the other upstairs rooms and landings.
Sky are booked in for next Friday to activate the phone line then we can sort out are broadband connection and get back on line at long last.
Still have not got a cooker sorted out the one we are after may fall through we will give it another few weeks then decide what to do , we need a decent cooker we are very limited to what we can cook although to day we are cooking lamb and veggies in the slow cooker. Everything else is slowly being sorted i am back in court Monday due to the divorce proceedings and the valuation of the house we jointly own is being completed today and depending on the findings will impact on Mondays hearing. My wife wants a low valuation i need a high one to enable a forced sale although i think it wont be sold until my son is eighteen in two years time.

No work yesterday due to the snow so had a chance of a sleep in it was quite sunny and bright.We had to take Ellie our westie to the vets she was limping no major damage had occurred and the vet just gave her an injection and some tablets at a cost of £40 will have to get some pet insurance in place.Helen bought her a new coat for going out in the cold she is getting her coat cut today and will be all clipped and trimmed up plus she bought her a new collar and matching lead.

Friday went to my old house to see my son Guy it was his 16th birthday all the best have a good one.Also went over to Shipley to get more bedding from Laura Ashley .

Went to Ikea Saturday after work bought a mirror and a light fitting for the bedroom bought some hooks from B&Q for the doors also bought some things for the kitchen a new swing bin and plate drainer , pan and sweeping brush.

Worked until eight o clock again on Sunday we come out with just pence short of four hundred pounds for a weekend shift between us which most of goes on the house and things we need at the moment we want a radiator fitting in two of the bedrooms or for now just one in ours.