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  • FIRST POST
    • rising from the ashes
    • By rising from the ashes 9th Oct 11, 9:06 PM
    • 12,236Posts
    • 59,081Thanks
    rising from the ashes
    Risen from the ashes ...
    • #1
    • 9th Oct 11, 9:06 PM
    Risen from the ashes ... 9th Oct 11 at 9:06 PM
    Finally debt free but need to stay here and beat this addiction to spending once and for all...... it's been a struggle but I've finally got here and am determined not to do it again!

    This is the 2nd time I've cleared huge debts and I'm not going to do it for a 3rd time!

    A wee reminder of how things were / have been over the past few years (so I don't forget):

    2004
    • Debt = 17k Loan, credit cards, HP, overdraft
    • Struggling to meet minimum payments
    • Many accounts defaulted
    • Living on the payday loan roundabout for food etc

    2005 - 10
    • Worked 2nd job & put all the money to debts
    • Skint, tired & fed up!

    2011
    • No loans or HP or OD
    • CC paid in full each month
    • All defaults now cleared from credit file (6 years is a LONG time)!
    Last edited by rising from the ashes; 09-10-2011 at 9:30 PM.
    Back on the frugal MSE journey
    Debt free & determined to stay that way!
    1,000 Emergency Fund Challenge #76 375 / 1,000
    Vet Fund: 350.28 / 1,000
Page 58
  • slowlyfading
    Be careful!
    Be who you are and say what you feel because those who mind don't matter and those who matter don't mind - Dr Seuss
    2015 Frugal Challenge Member / Sept NSD - 2/20 / Ultimate Dream Fund - 2,330.98/306,000
    Engaged 14/08/10 // Married 31/03/12 // DS born August 15
    • rising from the ashes
    • By rising from the ashes 5th Dec 12, 11:38 AM
    • 12,236 Posts
    • 59,081 Thanks
    rising from the ashes
    I'm back! (quite relieved!)

    Main roads were OK but a couple of nasty bits ...... got part way & my windscreen was totally horrible & screen wash was frozen - luckily there's always a bottle of water in the car (for the dog) so managed but ohhhh I hate that!

    Managed to get prescription & waited at chemist for it - came away with (as he put it) "something of everything" & will have to go back for the rest - just need to remember

    At B00ts they give you the sticky label which you can stick in your purse and always reminds me I've something outstanding - they don't do that at the wee chemist

    Glad to be back home in the warm!
    Back on the frugal MSE journey
    Debt free & determined to stay that way!
    1,000 Emergency Fund Challenge #76 375 / 1,000
    Vet Fund: 350.28 / 1,000
    • beanielou
    • By beanielou 5th Dec 12, 11:59 AM
    • 41,937 Posts
    • 139,180 Thanks
    beanielou
    Dident know that el.
    Just goes to show you never know.

    Was at the Dr this AM & had a wee bit of a meltdown while there.
    Well maybe thats the place to have it.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs**

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now.
    • beanielou
    • By beanielou 5th Dec 12, 12:00 PM
    • 41,937 Posts
    • 139,180 Thanks
    beanielou
    Sorry rising.
    Glad you got it ok.
    Still havent been to PO.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs**

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now.
    • rising from the ashes
    • By rising from the ashes 5th Dec 12, 12:49 PM
    • 12,236 Posts
    • 59,081 Thanks
    rising from the ashes
    With the help of slowlyfading and beanielou, decided that it's OK to get rid of some of my older receipts - I have a drawer full dating back to around 2004 (all neatly sorted by date)

    I did wonder if I should look through them (guarantees etc) but if I buy something that has one, this is stapled to the instruction book and filed in a separate folder (great for finding then if needed) - so .... *gulp* .... think I'm going to throw them straight out without checking them .

    So ... that's the first one - and it'll on the "to do" list for tomorrow
    Originally posted by rising from the ashes
    All receipts up to and including 2011 are in my now overflowing study bin .

    With a bit of sorting, I managed to free up a whole drawer - put all the cards & wrapping paper into one .... don't think I need to buy Christmas cards for the rest of my life . Emptied drawer now has loads of padded envelopes in (always keep these "just in case" but may have to get rid of some as I have a lot of them too)
    Back on the frugal MSE journey
    Debt free & determined to stay that way!
    1,000 Emergency Fund Challenge #76 375 / 1,000
    Vet Fund: 350.28 / 1,000
    • rising from the ashes
    • By rising from the ashes 5th Dec 12, 12:50 PM
    • 12,236 Posts
    • 59,081 Thanks
    rising from the ashes
    Was at the Dr this AM & had a wee bit of a meltdown while there.
    Well maybe thats the place to have it.
    Originally posted by beanielou
    Awwwww hun (((hugs))) hope you're feeling a bit better having got it off your chest ....

    Sorry rising.
    Glad you got it ok.
    Still havent been to PO.
    Originally posted by beanielou
    No worries at all - concentrate on you ..... lets have a dodgy
    Back on the frugal MSE journey
    Debt free & determined to stay that way!
    1,000 Emergency Fund Challenge #76 375 / 1,000
    Vet Fund: 350.28 / 1,000
  • elantan
    Dident know that el.
    Just goes to show you never know.

    Was at the Dr this AM & had a wee bit of a meltdown while there.
    Well maybe thats the place to have it.
    Originally posted by beanielou
    That's deff one of thebest places to have a meltdown beanie ... Hope something productive came out of it
    march 2011-july2019 8 years and 4 months ... or 100 months and counting
    "what would you do if you knew you couldn't fail.... enjoy the adventure" " to my own self be true"
    • beanielou
    • By beanielou 5th Dec 12, 1:14 PM
    • 41,937 Posts
    • 139,180 Thanks
    beanielou
    Rising~Do you need plug in part or refill or both?
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs**

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now.
    • rising from the ashes
    • By rising from the ashes 5th Dec 12, 1:31 PM
    • 12,236 Posts
    • 59,081 Thanks
    rising from the ashes
    Just the refill .... thanks!
    Back on the frugal MSE journey
    Debt free & determined to stay that way!
    1,000 Emergency Fund Challenge #76 375 / 1,000
    Vet Fund: 350.28 / 1,000
    • rising from the ashes
    • By rising from the ashes 5th Dec 12, 1:33 PM
    • 12,236 Posts
    • 59,081 Thanks
    rising from the ashes
    Online banking's chucked a wobbly .... tried to pay c/card & got an error code & it says it can't confirm the money's been sent.

    Balance has changed on one bit on my account but not the other so no idea if it's gone through or not

    Tried phoning & got cut off just when someone answered & now in a queue.......
    Back on the frugal MSE journey
    Debt free & determined to stay that way!
    1,000 Emergency Fund Challenge #76 375 / 1,000
    Vet Fund: 350.28 / 1,000
  • slowlyfading
    Good luck with the queue on the phone... and well done for sorting out the receipts
    Be who you are and say what you feel because those who mind don't matter and those who matter don't mind - Dr Seuss
    2015 Frugal Challenge Member / Sept NSD - 2/20 / Ultimate Dream Fund - 2,330.98/306,000
    Engaged 14/08/10 // Married 31/03/12 // DS born August 15
    • rising from the ashes
    • By rising from the ashes 5th Dec 12, 2:07 PM
    • 12,236 Posts
    • 59,081 Thanks
    rising from the ashes
    Have given up with bank on the phone .... after holding for ages, spoke to someone who said they needed to transfer me & put me straight back into a queue .... logged out & back in and balances have now updated so - fingers crossed - everything's gone through OK!
    Back on the frugal MSE journey
    Debt free & determined to stay that way!
    1,000 Emergency Fund Challenge #76 375 / 1,000
    Vet Fund: 350.28 / 1,000
    • rising from the ashes
    • By rising from the ashes 5th Dec 12, 2:17 PM
    • 12,236 Posts
    • 59,081 Thanks
    rising from the ashes
    Good news (budgeting wise) ... for a change!

    When I got my new car, the service book was missing & someone made one up and sent it out.

    Since getting it, I've been meaning to phone the garage as it didn't make sense to me - car was registered in March '11 & the pre-service is showing as that date but the 1st service isn't showing as being done until Aug '12 (should by 1 year or xx miles)

    Worried about future issues with the gap & the 5 year warranty - you only get 4 weeks leeway between service dates and I know a few people who've had loads of hassle if outside this.

    I've always assumed the 2nd service was due in March '13 and have been working to this on my budget - but was going to be short as it's a big service (250) - and one of the reasons for just doing the car tax for 6 months (so that would need done again in Aug '13).

    Have been worrying about phoning as it's now ages since I was sent this - but it was around the time I fell ill ....

    Anyway .... finally got around to phoning and ..... the service book I've been sent is wrong (I know that should be a frown, but it's a good wrong)

    The pre-inspection service was done July '11 and 1st service Aug '12 (within 4 week date) - even better is that the next service isn't due until Aug ' 13 which gives me more time to save up

    I'm a bit confused as the car was def registered in March '11 - but hey-ho ... if that's what they say and they'll do me a new book

    Presuming the MOT will still be due in the March date tho' .... bit confused - will need to check this when I go!

    So ..... slight change of plan with the tax as I'll just do the 12 months in Feb (so it's not beside the service) .... and can relax a bit as will def have enough saved for the service by Aug!
    Back on the frugal MSE journey
    Debt free & determined to stay that way!
    1,000 Emergency Fund Challenge #76 375 / 1,000
    Vet Fund: 350.28 / 1,000
  • slowlyfading
    That's good news and gives you a little more breathing space
    Be who you are and say what you feel because those who mind don't matter and those who matter don't mind - Dr Seuss
    2015 Frugal Challenge Member / Sept NSD - 2/20 / Ultimate Dream Fund - 2,330.98/306,000
    Engaged 14/08/10 // Married 31/03/12 // DS born August 15
    • rising from the ashes
    • By rising from the ashes 5th Dec 12, 4:39 PM
    • 12,236 Posts
    • 59,081 Thanks
    rising from the ashes
    I know honestly I'm so pleased / relieved as I wasn't going to have enough to cover it

    The other pots in the same fund would've been there to help out but nearly everything house wise renews in May so there wouldn't have been a huge amount to play with.
    Back on the frugal MSE journey
    Debt free & determined to stay that way!
    1,000 Emergency Fund Challenge #76 375 / 1,000
    Vet Fund: 350.28 / 1,000
    • beanielou
    • By beanielou 5th Dec 12, 9:32 PM
    • 41,937 Posts
    • 139,180 Thanks
    beanielou
    Rising~sorry but difusser thingy is not as full as I thought.
    Evaperation I guess but will try to post it tomorrow.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs**

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now.
    • rising from the ashes
    • By rising from the ashes 6th Dec 12, 7:53 AM
    • 12,236 Posts
    • 59,081 Thanks
    rising from the ashes
    Rising~sorry but difusser thingy is not as full as I thought.
    Evaperation I guess but will try to post it tomorrow.
    Originally posted by beanielou
    Only if you're going out anyway hun & much appreciated.

    I think they do evaporate as I'm sure there was a bit left in the one I had - but it was empty . I think you're maybe supposed to unscrew them & put the proper cap back on if not using them.
    Back on the frugal MSE journey
    Debt free & determined to stay that way!
    1,000 Emergency Fund Challenge #76 375 / 1,000
    Vet Fund: 350.28 / 1,000
  • skint_spice
    Just popping in - hope lurkers are welcome - about the car.... Some big dealers preregister cars so might buy batch in the March but then not service till someone buys them. Glad it gives you a bit more time to save anyway
    Make 500 by decluttering in 2015 60/500


    Original MF date June 2029 current date June 2026
    • rising from the ashes
    • By rising from the ashes 6th Dec 12, 8:33 AM
    • 12,236 Posts
    • 59,081 Thanks
    rising from the ashes
    Hi skint_spice - lurkers always welcome!

    Honestly, I'm so chuffed that the service isn't due until August - funny how something like that can cheer you up no end

    I think you may well be right that it was pre-reg - I know dealers often have quarterly sales targets to reach .... maybe they were a few short!

    Trick's going to be remembering that the MOT's due at a different time - I've never had them not tie up before!
    Back on the frugal MSE journey
    Debt free & determined to stay that way!
    1,000 Emergency Fund Challenge #76 375 / 1,000
    Vet Fund: 350.28 / 1,000
  • slowlyfading
    Morning!
    Be who you are and say what you feel because those who mind don't matter and those who matter don't mind - Dr Seuss
    2015 Frugal Challenge Member / Sept NSD - 2/20 / Ultimate Dream Fund - 2,330.98/306,000
    Engaged 14/08/10 // Married 31/03/12 // DS born August 15
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