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  • FIRST POST
    vintage43
    A new start for a newbie
    • #1
    • 6th Nov 11, 7:47 PM
    A new start for a newbie 6th Nov 11 at 7:47 PM
    I have been a lurker on this site for about two years now and decided that after ordering 236 of christmas party clothes from n*xt that I really do have a spending problem. I guess it's kind of like having a drink problem, where I'll be really good for a short while and then do something completely impulsive and waste a shed load of money I can't afford. So the lovely clothes went unopened and I repacked them into the returns bag and will drop them at the post office tomorrow.
    I work full time but have just gone back to work after having quite along time off and now have to have another small op tomorrow which is going to keep me off work for another two weeks, I have run out of sick pay and have a mortgage of over 700 per month, so spending 236 on sparkly clothes is ridiculous!! I have three teenage boys and a dog and am a single parent, I bought the house 3 years ago after being in shared ownership. Ideally I'd like to clear all my debts and get onto the mortgage free board, I know I can do it if I try
    I'm hoping that writing on this daily will give me the motivation to stay focused.
    Today I have had my very first NSD EVER
    I also cleared out the money jar, using a knife so I didn't break it and got 115.61 which I'll pay off the mortgage tomorrow.
    Made stock from the chicken carcass, pulled all the remaining chicken off the bones and put it in the freezer, fed the dog with the left over lunch bits and chicken skin.
    Went through and organised all my birthday cards, gift tags and wrapping paper, I'm a sucker for buying pretty birthday bits and have at least enough to last me all of next year and maybe a bit more.
    I sold a chest of Drawers I was going to skip on E*ay for 43!!!!
    I won't post now probably til Wednesday when I'm home after the op but I am feeling so happy that I have made a start that I can't tell you
    I have put a rough estimate of debts on my signature and am going to concentrate on the overdraft first, then the credit card or should it be the other way around because of the interest?
    I haven't put the loan on yet that I took out for 9000 to update the house over 18 months ago, as I need to check how much it is now, I wasted most of it, can't think what on now which is worrying, all I seem to have to show for it is a new door and windows!!
    Anyway enough waffle, I'm going to cringe my way through the XFactor
    Thanks for taking the time to read



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    Last edited by MSE Helen; 22-11-2011 at 8:17 PM.
    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
Page 11
  • vintage43
    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
    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
    • mum2one
    • By mum2one 6th Jul 12, 5:55 PM
    • 15,144 Posts
    • 57,298 Thanks
    mum2one
    thats brilliant news, whats the lucky man like? xx
    [COLOR=
    15 crafts 2015 =8/15
    Amazon 75
    Christmas - doing well

    Tackling the debt free life one day at a time xx
  • vintage43
    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
    • Own My Own
    • By Own My Own 4th Sep 12, 7:51 AM
    • 5,525 Posts
    • 45,918 Thanks
    Own My Own
    Welcome Back
  • vintage43
    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
    Last edited by vintage43; 04-09-2012 at 6:02 PM.
    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
    Welcome Back
    Originally posted by Own My Own
    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
    • mum2one
    • By mum2one 4th Sep 12, 10:48 PM
    • 15,144 Posts
    • 57,298 Thanks
    mum2one
    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
    [COLOR=
    15 crafts 2015 =8/15
    Amazon 75
    Christmas - doing well

    Tackling the debt free life one day at a time xx
  • vintage43
    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
    Originally posted by mum2one
    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
    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!
    Last edited by vintage43; 05-09-2012 at 4:51 PM.
    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
    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
    Last edited by vintage43; 06-09-2012 at 6:00 PM.
    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
    • mum2one
    • By mum2one 6th Sep 12, 6:27 PM
    • 15,144 Posts
    • 57,298 Thanks
    mum2one
    Hi there, how are you getting on, I hope you and your little one are ok xxx
    Originally posted by vintage43
    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
    [COLOR=
    15 crafts 2015 =8/15
    Amazon 75
    Christmas - doing well

    Tackling the debt free life one day at a time xx
  • vintage43
    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
    Originally posted by mum2one
    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
    • mum2one
    • By mum2one 8th Sep 12, 12:16 AM
    • 15,144 Posts
    • 57,298 Thanks
    mum2one
    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
    [COLOR=
    15 crafts 2015 =8/15
    Amazon 75
    Christmas - doing well

    Tackling the debt free life one day at a time xx
  • vintage43
    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
    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
    • mum2one
    • By mum2one 8th Sep 12, 9:25 PM
    • 15,144 Posts
    • 57,298 Thanks
    mum2one
    could murder the baileys choc now, youve got my mouth water, glad u had a gd day, hope weather as gd 2mor. xx
    [COLOR=
    15 crafts 2015 =8/15
    Amazon 75
    Christmas - doing well

    Tackling the debt free life one day at a time xx
  • optimistic-mummy
    well done on your journey. i have just finished/ caught up with your journey. good luck. i have subscribed. xxx
    200 weeks 25,000.00 / 700
  • vintage43
    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
    Last edited by vintage43; 10-09-2012 at 10:43 AM.
    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
    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
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