IMPORTANT! This is MoneySavingExpert's open forum - anyone can post

Please exercise caution & report any spam, illegal, offensive, racist, libellous post to forumteam@moneysavingexpert.com

  • Be nice to all MoneySavers
  • All the best tips go in the MoneySavingExpert weekly email

    Plus all the new guides, deals & loopholes

  • No spam/referral links
or Login with Facebook
A new start for a newbie
Reply
Views: 14,144
Thread Tools Search this Thread Display Modes
# 201
vintage43
Old 16-04-2012, 9:05 AM
MoneySaving Stalwart
 
Join Date: Nov 2011
Location: Shropshire
Posts: 386
Default

I have realised that I haven't been updating my signature on NSD and have probably got a few more than is showing, I will have to be more vigilant in adding them.
I did a craft fare yesterday, which turned out to be more like a car boot sale so although none of my dolls sold i did sell £107 worth of items, that,s not counting the £14 I spent on two tops and a pair of shoes, the shoes I will put on ebay, they were a boxed new pair of Ecco ballarinas with a price tag of £59.00 and I bought them for £4.00 - bargain!!!
I now need to work out who gets what bills wise from the profits and say goodbye to that lovely wadge of cash!
Today shall be spent adding things to ebay I think.
vintage43
NSD 42/365 2012
- A new start for a newbie
Next - £1033.62 Barclaycard - £5683 Mortgage - £125471 Overdraft - £903Loan £3562 - Total Debts = £10179 Monthly shopping £100 spent so far £12.65
vintage43 is offline
Reply With Quote Report Post
The Following User Says Thank You to vintage43 For This Useful Post: Show me >>
# 202
vintage43
Old 06-07-2012, 8:17 AM
MoneySaving Stalwart
 
Join Date: Nov 2011
Location: Shropshire
Posts: 386
Default

Well I havent been on for a while, life has changed for me since last posting! I am now in a relationship, which I thought would never happen due to my illness, although I am now cured but I thought I'd never have the courage to try again..... Very happy but also very busy, which is why i have been absent for a while. I will catch up soon, I need to relook at finances!!!!
vintage43
NSD 42/365 2012
- A new start for a newbie
Next - £1033.62 Barclaycard - £5683 Mortgage - £125471 Overdraft - £903Loan £3562 - Total Debts = £10179 Monthly shopping £100 spent so far £12.65
vintage43 is offline
Reply With Quote Report Post
# 203
mum2one
Old 06-07-2012, 5:55 PM
Deliciously Dedicated Diehard MoneySaving Devotee
 
Join Date: Feb 2007
Posts: 14,275
Default

thats brilliant news, whats the lucky man like? xx
School Trip fund - £58.35/£??.??[COLOR="Blue"]
Member of 14 crafts in 2014 8/14[/I]
Bed Fund 0/300
DD Xmas £41/£200
mum2one is offline
Reply With Quote Report Post
# 204
vintage43
Old 04-09-2012, 7:48 AM
MoneySaving Stalwart
 
Join Date: Nov 2011
Location: Shropshire
Posts: 386
Default

Horray! it's that time of year again where I concentrate on getting my finances in check, planning a big post tonight, need to update signature and lots of other things
vintage43
NSD 42/365 2012
- A new start for a newbie
Next - £1033.62 Barclaycard - £5683 Mortgage - £125471 Overdraft - £903Loan £3562 - Total Debts = £10179 Monthly shopping £100 spent so far £12.65
vintage43 is offline
Reply With Quote Report Post
The Following User Says Thank You to vintage43 For This Useful Post: Show me >>
# 205
Own My Own
Old 04-09-2012, 7:51 AM
Fantastically Fervent MoneySaving Super Fan
 
Join Date: Mar 2012
Posts: 5,492
Default

Welcome Back
Own My Own is offline
Reply With Quote Report Post
The Following 2 Users Say Thank You to Own My Own For This Useful Post: Show me >>
# 206
vintage43
Old 04-09-2012, 5:56 PM
MoneySaving Stalwart
 
Join Date: Nov 2011
Location: Shropshire
Posts: 386
Default Horray! I'm back!!!

Well I appear to have reduced my debt even without trying too hard, by a whopping £3110 in the last 5 months.
The down side is that I now have two missed payments and the impact of having to go part time at work is just starting to hit home, all my personal reserves of cash are now dried up! I need more income and less outgoings, I suppose that is why we are all here though. This site does really motivate me.
My list of money saving personal challenges for today are;
  1. Use food from the freezer and not buy any food today Yey, we had rice and burgers out of the freezer, egg fried rice which was left over from a takeaway and then fried with Garlic, mushrooms and onions, lush!
  2. Make a packed lunch for my only remaining son living at home -Done and all eaten with no complaints
  3. Take a packed lunch to workYep, and make a cheese and cauliflower soup using the frozen bits of a stilton and some frozen veg for tomorrow
  4. haggle about the parking ticket I got as I have a council parking passWritten the letter, will post tomorrow
  5. check my credit expert siteNow this was so scary, not been on it for months, two outstanding bills and no way of paying them this month, I'll need to look at that more thoroughly tomorrow
  6. dry washing outsideAll done!
I kind of hope to do a little list of either big or little challenges each day, this motivated me when I was on the 10 positive steps challenge when I was really ill. I am now not ill but still need that kick up the bum that seeing things checked off a list will do for you
I also need to find some more of the great threads people post on here to follow.
On a personal note, my relationship is going really well, I am lucky enough to have found a really kind man who I happen to really fancy, so all boxes are ticked!
I haven't done so much craft stuff as I haven't had the time, but do aim to pick it up again!
It's so nice to be back here, can't wait to see how everyone has been doing xxxx
vintage43
NSD 42/365 2012
- A new start for a newbie
Next - £1033.62 Barclaycard - £5683 Mortgage - £125471 Overdraft - £903Loan £3562 - Total Debts = £10179 Monthly shopping £100 spent so far £12.65

Last edited by vintage43; 04-09-2012 at 6:02 PM.
vintage43 is offline
Reply With Quote Report Post
The Following User Says Thank You to vintage43 For This Useful Post: Show me >>
# 207
vintage43
Old 04-09-2012, 6:03 PM
MoneySaving Stalwart
 
Join Date: Nov 2011
Location: Shropshire
Posts: 386
Default

Quote:
Originally Posted by Own My Own View Post
Welcome Back
Thank you, it's great to be back, now lets get down to business!
vintage43
NSD 42/365 2012
- A new start for a newbie
Next - £1033.62 Barclaycard - £5683 Mortgage - £125471 Overdraft - £903Loan £3562 - Total Debts = £10179 Monthly shopping £100 spent so far £12.65
vintage43 is offline
Reply With Quote Report Post
The Following 2 Users Say Thank You to vintage43 For This Useful Post: Show me >>
# 208
mum2one
Old 04-09-2012, 10:48 PM
Deliciously Dedicated Diehard MoneySaving Devotee
 
Join Date: Feb 2007
Posts: 14,275
Default

that is a brill amount to pay back and glad the relationship going well, as long as your happy, thats all that matters.

It sounds like your getting all the planning in, love the sound of the rice dish. xx
School Trip fund - £58.35/£??.??[COLOR="Blue"]
Member of 14 crafts in 2014 8/14[/I]
Bed Fund 0/300
DD Xmas £41/£200
mum2one is offline
Reply With Quote Report Post
The Following User Says Thank You to mum2one For This Useful Post: Show me >>
# 209
vintage43
Old 05-09-2012, 7:15 AM
MoneySaving Stalwart
 
Join Date: Nov 2011
Location: Shropshire
Posts: 386
Default

Quote:
Originally Posted by mum2one View Post
that is a brill amount to pay back and glad the relationship going well, as long as your happy, thats all that matters.

It sounds like your getting all the planning in, love the sound of the rice dish. xx
Hi there, how are you getting on, I hope you and your little one are ok xxx
vintage43
NSD 42/365 2012
- A new start for a newbie
Next - £1033.62 Barclaycard - £5683 Mortgage - £125471 Overdraft - £903Loan £3562 - Total Debts = £10179 Monthly shopping £100 spent so far £12.65
vintage43 is offline
Reply With Quote Report Post
The Following User Says Thank You to vintage43 For This Useful Post: Show me >>
# 210
vintage43
Old 05-09-2012, 7:25 AM
MoneySaving Stalwart
 
Join Date: Nov 2011
Location: Shropshire
Posts: 386
Default Today's mission

Well today is the new revised Child Tax Credit day so there are things to be done on a bill paying front, but first the list;
  • Pay Btpaid, £36
  • Pay CCPaid £200
  • Pay Next, GRRRR! (Why do I do it)Paid £108
  • Work out how much I have for petrol for next weekWell there is £97 left in my £1000 overdraft so i guess its going to have to come out of that!!!
  • Make 2 x packed lunchesEpic fail, took soup in for lunch then got caught in court so had a sandwich from a vending machine £2.90 OOOPS!
  • Have a NSDFail - See above!
  • Remind Mr G to de flea Polly Dog ( how romantic)Forgot this so will have a roll over for tomorrow
  • Check Facebook sales, I have found this really useful for making small sales really quickly.Sold a Slendertone for £45, so may have a bottle of wine tonight for a fiver then bank the rest

Have a great day all!
vintage43
NSD 42/365 2012
- A new start for a newbie
Next - £1033.62 Barclaycard - £5683 Mortgage - £125471 Overdraft - £903Loan £3562 - Total Debts = £10179 Monthly shopping £100 spent so far £12.65

Last edited by vintage43; 05-09-2012 at 4:51 PM.
vintage43 is offline
Reply With Quote Report Post
The Following User Says Thank You to vintage43 For This Useful Post: Show me >>
# 211
vintage43
Old 06-09-2012, 7:16 AM
MoneySaving Stalwart
 
Join Date: Nov 2011
Location: Shropshire
Posts: 386
Default

Today, I have woken up a bit tired, had a really busy couple of days in work but today is a nice gentle reading day!
plan for the day
  • Get petrolYep £47.52
  • finish a work write upDone
  • Make packed lunches for 2 - son3 wants more in his as hes still really hungry when he gets out of collegeAll done and happier boy!
  • Check bankscary
  • HAVE A NSDAlmost, two drinks from the garage!
  • Make chilli from the freezer for teaDone!
  • No wine tonightYes, but I didnt buy it!
  • start planning bedroom decoration, I've had the paint for ages, just need to strip the wallpaper.

Have a great day everyone x
vintage43
NSD 42/365 2012
- A new start for a newbie
Next - £1033.62 Barclaycard - £5683 Mortgage - £125471 Overdraft - £903Loan £3562 - Total Debts = £10179 Monthly shopping £100 spent so far £12.65

Last edited by vintage43; 06-09-2012 at 6:00 PM.
vintage43 is offline
Reply With Quote Report Post
The Following User Says Thank You to vintage43 For This Useful Post: Show me >>
# 212
mum2one
Old 06-09-2012, 6:27 PM
Deliciously Dedicated Diehard MoneySaving Devotee
 
Join Date: Feb 2007
Posts: 14,275
Default

Quote:
Originally Posted by vintage43 View Post
Hi there, how are you getting on, I hope you and your little one are ok xxx
Finally taken the plunge and letting CCCS deal with my debts so thats going through at the moment, DD ok at mo, settled back into school, so thats ok at mo, and she had her hot air balloon trip (3rd time lucky) over summer, her bday present, she was so happy, wants to go up again! xx
School Trip fund - £58.35/£??.??[COLOR="Blue"]
Member of 14 crafts in 2014 8/14[/I]
Bed Fund 0/300
DD Xmas £41/£200
mum2one is offline
Reply With Quote Report Post
The Following User Says Thank You to mum2one For This Useful Post: Show me >>
# 213
vintage43
Old 07-09-2012, 9:02 PM
MoneySaving Stalwart
 
Join Date: Nov 2011
Location: Shropshire
Posts: 386
Default

Quote:
Originally Posted by mum2one View Post
Finally taken the plunge and letting CCCS deal with my debts so thats going through at the moment, DD ok at mo, settled back into school, so thats ok at mo, and she had her hot air balloon trip (3rd time lucky) over summer, her bday present, she was so happy, wants to go up again! xx
Well you have to do what you have to do, it must be a weight off your mind, oh I would love a ride in a hot air Balloon, lucky lucky girl!
We spent today at Ludlow Food Festival - I sat and just relaxed while watching the otherhalf sing his little heart out, he'll be doing the same again tomorrow and Sunday so I'll be really chilled out by Monday! A little sunburnt though, for got to do the back of my neck x
vintage43
NSD 42/365 2012
- A new start for a newbie
Next - £1033.62 Barclaycard - £5683 Mortgage - £125471 Overdraft - £903Loan £3562 - Total Debts = £10179 Monthly shopping £100 spent so far £12.65
vintage43 is offline
Reply With Quote Report Post
The Following User Says Thank You to vintage43 For This Useful Post: Show me >>
# 214
mum2one
Old 08-09-2012, 12:16 AM
Deliciously Dedicated Diehard MoneySaving Devotee
 
Join Date: Feb 2007
Posts: 14,275
Default

Ludlow food festival sounds fab, good chance to relax as well.

We got the ballon flight for £85 each, I pd for DD, and mum paid for dads, as bday prezzies for them both, last time dad went we paid £150.

Thou at mo Virgin have an offer on throu topcashback £99 per person, good value as there normally £250 each.

I couldn't do it, but DD loved it she wants to go again.... dad would go at a drop of a hat! xx
School Trip fund - £58.35/£??.??[COLOR="Blue"]
Member of 14 crafts in 2014 8/14[/I]
Bed Fund 0/300
DD Xmas £41/£200
mum2one is offline
Reply With Quote Report Post
# 215
vintage43
Old 08-09-2012, 8:46 AM
MoneySaving Stalwart
 
Join Date: Nov 2011
Location: Shropshire
Posts: 386
Default

Well today is another day spent lazily watching Mr R sing all day at Ludlow Food Festival, relaxing as anything, trying not to spend too much money but oh the food! Hopefully get some bargains tomorrow when it closes down for trading x
vintage43
NSD 42/365 2012
- A new start for a newbie
Next - £1033.62 Barclaycard - £5683 Mortgage - £125471 Overdraft - £903Loan £3562 - Total Debts = £10179 Monthly shopping £100 spent so far £12.65
vintage43 is offline
Reply With Quote Report Post
The Following User Says Thank You to vintage43 For This Useful Post: Show me >>
# 216
vintage43
Old 08-09-2012, 7:29 PM
MoneySaving Stalwart
 
Join Date: Nov 2011
Location: Shropshire
Posts: 386
Default

Just a quick slip up with the pennies, a Christmas pressie of Chilli Vodka for someone and some Baileys choc, scrummy, eaten already, but may buy Three bars for a fiver tomorrow as I think with a bow around them would also make really good pressies
vintage43
NSD 42/365 2012
- A new start for a newbie
Next - £1033.62 Barclaycard - £5683 Mortgage - £125471 Overdraft - £903Loan £3562 - Total Debts = £10179 Monthly shopping £100 spent so far £12.65
vintage43 is offline
Reply With Quote Report Post
The Following User Says Thank You to vintage43 For This Useful Post: Show me >>
# 217
mum2one
Old 08-09-2012, 9:25 PM
Deliciously Dedicated Diehard MoneySaving Devotee
 
Join Date: Feb 2007
Posts: 14,275
Default

could murder the baileys choc now, youve got my mouth water, glad u had a gd day, hope weather as gd 2mor. xx
School Trip fund - £58.35/£??.??[COLOR="Blue"]
Member of 14 crafts in 2014 8/14[/I]
Bed Fund 0/300
DD Xmas £41/£200
mum2one is offline
Reply With Quote Report Post
The Following User Says Thank You to mum2one For This Useful Post: Show me >>
# 218
optimistic-mummy
Old 09-09-2012, 8:46 PM
Serious MoneySaving Fan
 
Join Date: Feb 2012
Location: at my house
Posts: 1,136
Default

well done on your journey. i have just finished/ caught up with your journey. good luck. i have subscribed. xxx
£10 a day challenge - £2000 for 2014 (25/09/14-31/12/14) £135
feed the family for £4 a day october £0 / £124
total debt sept 14 £1340 oct 14 £1185/19/10/14 £1700
savings total £0
£10,000 + by dec 2015
optimistic-mummy is offline
Reply With Quote Report Post
The Following 2 Users Say Thank You to optimistic-mummy For This Useful Post: Show me >>
# 219
vintage43
Old 10-09-2012, 7:27 AM
MoneySaving Stalwart
 
Join Date: Nov 2011
Location: Shropshire
Posts: 386
Default

Well it's back to reality this morning, youngest son in the shower getting ready for college as the rest us us are bursting for the bathroom, the weekend felt like a holiday, the hardest thing I had to do was rattle along with a tambourine and sing some harmonies. We go a thank you from the chef's table ( the posh bit) for the singing in the form of an all expenses paid afternoon tea, oh it was scrummy. Managed to reign myself in budget with, I bought 3 bars of Fluffle Choc as Xmas gifts, a bottle of Chilli Vodka for my little sis ( Mr R tasted it then lost his taste buds for about 3 hours, very very hot but apparently makes wonderful Bloody Mary's) and a set of three chocolate baileys type drink for my other little sis so only spent £29.50 all weekend!

Todays list of things to do -
  • Make a shopping list Oh Im a bit hacked off with this one, stuck to the list no problem, thought that I'd chance my arm on the self serve with two coupons for a pound each off the Observer paper which were at the bottom of a recipe card I picked up at the food festival, it only worked, so go £2 off the shop but should have picked up a few more cards!!!
  • Look at whats in the freezer
  • read some more and relax Just off to do it!
  • post some shoes on our local sale Facebook pageOOps! Ive already charity shopped them
  • Help Mr R wrap his ebay sales
  • Budget for the week as sons travel pass has not yet arrivedTelephone call while I was out, travel pass has been approved so it will arrive in the next few days and we got a bursery grant so dont have to make any payments, which will save us £178 per term!
  • Spend some time with older son who is having some problems at the moment, see if we can help or support
  • Pour out the tea I made about 20 mins ago, Eek!

Have a great day everyone xx
vintage43
NSD 42/365 2012
- A new start for a newbie
Next - £1033.62 Barclaycard - £5683 Mortgage - £125471 Overdraft - £903Loan £3562 - Total Debts = £10179 Monthly shopping £100 spent so far £12.65

Last edited by vintage43; 10-09-2012 at 10:43 AM.
vintage43 is offline
Reply With Quote Report Post
The Following User Says Thank You to vintage43 For This Useful Post: Show me >>
# 220
vintage43
Old 10-09-2012, 10:20 AM
MoneySaving Stalwart
 
Join Date: Nov 2011
Location: Shropshire
Posts: 386
Default

EEEK! Just had two unexpected bills, one for swift cover, I owe them £52 and one from Tax Credits, I need to repay an overpayment of 219.62 _ think I can manage the £0.62. GULP!
vintage43
NSD 42/365 2012
- A new start for a newbie
Next - £1033.62 Barclaycard - £5683 Mortgage - £125471 Overdraft - £903Loan £3562 - Total Debts = £10179 Monthly shopping £100 spent so far £12.65
vintage43 is offline
Reply With Quote Report Post
The Following User Says Thank You to vintage43 For This Useful Post: Show me >>
Reply

Bookmarks
 
 




Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

 Forum Jump  

Contact Us - MoneySavingExpert.com - Archive - Privacy Statement - Top

Powered by vBulletin® Copyright ©2000 - 2014, Jelsoft Enterprises Ltd.

All times are GMT. The time now is 9:05 AM.

 Forum Jump  

Free MoneySaving Email

Top deals: Week of 29 October 2014

Get all this & more in MoneySavingExpert's weekly email full of guides, vouchers and Deals

GET THIS FREE WEEKLY EMAIL Full of deals, guides & it's spam free

Latest News & Blogs

Martin's Twitter Feed

profile

Cheap Travel Money

Find the best online rate for holiday cash with MSE's TravelMoneyMax.

Find the best online rate for your holiday cash with MoneySavingExpert's TravelMoneyMax.

TuneChecker Top Albums

  • VARIOUS ARTISTSBBC RADIO 1'S LIVE LOUNGE 2014
  • TAYLOR SWIFT1989 (DELUXE)
  • ED SHEERANX (DELUXE EDITION)

MSE's Twitter Feed

profile
Always remember anyone can post on the MSE forums, so it can be very different from our opinion.
We use Skimlinks and other affiliated links in some of our boards, for some of our users.