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  • FIRST POST
    • Sun Addict
    • By Sun Addict 8th Mar 13, 8:30 AM
    • 4,761Posts
    • 28,344Thanks
    Sun Addict
    Looking for the silver lining
    • #1
    • 8th Mar 13, 8:30 AM
    Looking for the silver lining 8th Mar 13 at 8:30 AM
    Well I'm back! After clearing my debt in 2010 and staying debt free for a couple of years I'm now back to square one. Mainly due to OH's work being so erratic (he is a sub contractor in the building trade). He has weeks at a time with no work and when he does get work the pays not great - but anything is better than nothing. My wages cover the bills and food thankfully but nothing else.

    Anyway a combination of OH not bringing much in and not budgeting properly has led to me building up credit card debt again (thankfully at 0%) of £5368.95

    I have realised that the only way to stay on top of things is to stick to a budget. What we were doing before is spending the money before we had it on a credit card and then clearing it at the end of the month. But OH can be at work one day and laid off the next so we didn't always have the money to cover what we'd spent and this is where we have been going wrong and how the debt has built up again by me having to transfer it to a 0% card.

    What's happening now is I'm trying to stay on top of things by having a "pot" of money in my monthly budget and sticking to that. Once I have cracked this then it should be easy to stay out of debt when it's paid off.

    At the end of the month whatever OH has earned is split as follows:

    50% is for petrol, OH's work expenses/mobile phone, and anything else we need that month

    25% is for holidays (I know we shouldn't be having holidays whilst in debt but they keep us smiling through the uncertainty)

    25% is for paying off the debt and when this is paid off this will become savings.

    So far I've stuck to this for two months. It's hard at times but this is the only way to do it. Should OH not bring anything in one month then I'm afraid we'll have to dip into what little savings we have in our emergency fund. BUT NO MORE ADDING TO THE DEBT!!!

    Currently the debt is split between two cards:

    Barclaycard £1800 0% until September 2013 -so this must be paid off first

    Halifax £3568.95 0% until 2015 - so a bit more breathing space on this one but still want it paid off asap.

    I'm doing the grocery challenge and the virtual sealed pot and doing well with this. The VSP will pay for Christmas.

    Decided to do a new diary as it helped so much last time - so here I go again on my second debt-free journey. Determined this will be the last time.
    Virtual Sealed Pot 2018 £20.70
    December 3 NSD
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
Page 252
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 7th Dec 17, 5:54 AM
    • 2,300 Posts
    • 11,192 Thanks
    HairyHandofDartmoor
    You Tube shows you how how to do anything and everything. It is a fount of wisdom.

    Hope you have a good day at work today SA.
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 October 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund
    Emergency Fund 1 = £818/Emergency Fund 2 = £203.76
    • Sun Addict
    • By Sun Addict 7th Dec 17, 8:15 PM
    • 4,761 Posts
    • 28,344 Thanks
    Sun Addict
    Thanks for the info folks.

    Mr SA only phoned me once today so imagined he was busy doing DD's furniture. Imagine my disappointment when I got home to find wardrobe parts all over and the only thing put together was 3 small drawers. Apparently he doesn't want DD to help him he's waiting for me to be off at the weekend.

    My reply to that was most definitely not fit for publishing

    Not a happy bunny
    Virtual Sealed Pot 2018 £20.70
    December 3 NSD
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 7th Dec 17, 8:16 PM
    • 2,300 Posts
    • 11,192 Thanks
    HairyHandofDartmoor
    Aaaggghhhhh
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 October 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund
    Emergency Fund 1 = £818/Emergency Fund 2 = £203.76
    • beanielou
    • By beanielou 7th Dec 17, 9:23 PM
    • 49,085 Posts
    • 182,309 Thanks
    beanielou
    Thanks for the info folks.

    Mr SA only phoned me once today so imagined he was busy doing DD's furniture. Imagine my disappointment when I got home to find wardrobe parts all over and the only thing put together was 3 small drawers. Apparently he doesn't want DD to help him he's waiting for me to be off at the weekend.

    My reply to that was most definitely not fit for publishing

    Not a happy bunny
    Originally posted by Sun Addict
    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. *** It is ok to be me.*** ***Keep plodding***
    • Sun Addict
    • By Sun Addict 7th Dec 17, 9:40 PM
    • 4,761 Posts
    • 28,344 Thanks
    Sun Addict
    Have spoken to DD and she confirmed Mr SA didn't want her to help. I've told her to help him despite what he says because there is no way I'm spending my weekend putting furniture together, especially after looking after the grandkids on Saturday.

    I honestly believe we'll never get straight. It's driving me mad, I can't cope with clutter. Everything feels out of control

    The penny has just dropped that if I'm meeting friends tomorrow I'll need to write out Christmas cards!!! No idea where my cards are!

    Storm Caroline hit on the walk home and I got soaked in the hail storm
    Virtual Sealed Pot 2018 £20.70
    December 3 NSD
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • beanielou
    • By beanielou 7th Dec 17, 9:50 PM
    • 49,085 Posts
    • 182,309 Thanks
    beanielou
    Boo to getting wet
    I went to a lunch today with no cards.
    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. *** It is ok to be me.*** ***Keep plodding***
    • Little Miss Winner
    • By Little Miss Winner 7th Dec 17, 11:35 PM
    • 3,966 Posts
    • 135,920 Thanks
    Little Miss Winner
    On a separate note, I need to paint a cream bedside chest white to save money buying a new one (plus this one is too good quality to scrap). I think it's MDF - is this easy to do and how?

    Thanks
    Originally posted by Sun Addict
    Really easy - i paint everything insight every time i decorate

    Lightly sand all over (especially the top - clean with sugar soap after sanding - a good couple of coats of primer.
    Then choose your colour. I usually go for Ronseal Wood colour - its lovely - like a satin / or eggshell.

    Just done my fire surround from an Antique pine - to Grey - looks amazing
    • WannabeFree
    • By WannabeFree 8th Dec 17, 9:27 AM
    • 443 Posts
    • 3,054 Thanks
    WannabeFree
    Hope you have a good day today

    Have no words for Mr SA x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • JWPopps
    • By JWPopps 8th Dec 17, 11:39 AM
    • 265 Posts
    • 1,416 Thanks
    JWPopps
    Well surely meeting friends is a good excuse not to be forced into helping Mr SA!

    Enjoy it - I'm going to the Christmas Markets tomorrow with a friend and I'm really excited about it!
    Credit Card Debt: £720
    Loan Debt: £6,100
    Savings: £30



    [B]PAYDBX 2017 - #19 : 80% paid 6624/8280[/
    • Sun Addict
    • By Sun Addict 8th Dec 17, 4:34 PM
    • 4,761 Posts
    • 28,344 Thanks
    Sun Addict
    Thanks for the tip Little Miss Winner, will try that.

    Had a lovely morning shopping - got the Soap & Glory - plus a lovely lunch with friends.

    Got home - Mr SA and DD have spent all day putting together the wardrobe and desk. Desk is fine but the wardrobe collapsed after they put it up and is in several pieces Looking at the reviews for it on the Argos website people have said it's easy to put up. Anyway I've messaged them via FB, see what they say.
    Virtual Sealed Pot 2018 £20.70
    December 3 NSD
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • beanielou
    • By beanielou 8th Dec 17, 5:31 PM
    • 49,085 Posts
    • 182,309 Thanks
    beanielou
    Glad that you enjoyed your luch
    Eeek to the wardrope.
    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. *** It is ok to be me.*** ***Keep plodding***
    • Sun Addict
    • By Sun Addict 8th Dec 17, 6:09 PM
    • 4,761 Posts
    • 28,344 Thanks
    Sun Addict
    Argos are going to replace the wardrobe. I've chosen a different one just in case the same thing happens. Can't fault their customer service. They'll pick the old one up and drop off new one on Wednesday.

    You'll all be pleased to hear Mr SA has finally got his bootees. I went in loads of shops without success, Primark didn't have his size but glad they didn't as got him a pair of Muk Luks for just £2 more from TK Maxx. He's happy with them anyway. Let's see how long they last!
    Virtual Sealed Pot 2018 £20.70
    December 3 NSD
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 8th Dec 17, 6:18 PM
    • 2,300 Posts
    • 11,192 Thanks
    HairyHandofDartmoor
    to the collapsing wardrobe, but I'm glad you didn't have to put it together. What are they like!

    I'm glad you enjoyed your shopping trip and Mr SA has his bootee slippers .
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 October 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund
    Emergency Fund 1 = £818/Emergency Fund 2 = £203.76
    • Sun Addict
    • By Sun Addict 8th Dec 17, 6:23 PM
    • 4,761 Posts
    • 28,344 Thanks
    Sun Addict
    Unfortunately he's not going to let me get out of helping him with the new wardrobe. I wouldn't mind but I'm not noted for my flat pack furniture assembly skills. Oh well.
    Virtual Sealed Pot 2018 £20.70
    December 3 NSD
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • beanielou
    • By beanielou 8th Dec 17, 6:40 PM
    • 49,085 Posts
    • 182,309 Thanks
    beanielou
    Bootees, bootees, bootees
    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. *** It is ok to be me.*** ***Keep plodding***
    • Seasidegal58
    • By Seasidegal58 8th Dec 17, 8:28 PM
    • 1,191 Posts
    • 6,694 Thanks
    Seasidegal58
    Thank goodness you’ve got his bootees SA! Do they go with the jewellery he bought whilst you were on holiday?

    The wardrobe saga must have been maddening! but hats off to Argos for replacing quickly. Hope you get straight soon.
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    My debt free diary - " Paid off the £31,000 - BUT still scrimping!"
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 8th Dec 17, 8:48 PM
    • 8,407 Posts
    • 47,291 Thanks
    please-let-me-be-lucky
    Sorry to hear about the wardrobe saga. Yay to Argos though.

    Hope you had a lovely lunch, and that the bootie slippers last longer than the last ones!! Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in December 1/5
    Lbs lost 10/107.
    • Sun Addict
    • By Sun Addict 8th Dec 17, 9:25 PM
    • 4,761 Posts
    • 28,344 Thanks
    Sun Addict
    As the bootees have been crossed off his list, Amazon Prime TV is the next thing

    Have just explained to him that you have to pay monthly for it and we already pay for Virgin when we mostly watch Freeview!

    I blame the advert breaks, they're lethal for someone like him.
    Virtual Sealed Pot 2018 £20.70
    December 3 NSD
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 8th Dec 17, 9:40 PM
    • 2,300 Posts
    • 11,192 Thanks
    HairyHandofDartmoor
    We got rid of Virgin tv and have Netflix now, a third of the price and better .
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 October 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund
    Emergency Fund 1 = £818/Emergency Fund 2 = £203.76
    • Sun Addict
    • By Sun Addict 8th Dec 17, 9:55 PM
    • 4,761 Posts
    • 28,344 Thanks
    Sun Addict
    To be honest DD pays a chunk of the Virgin TV, although she also has Netflix. If it was left to me I'd get rid of it as I don't watch much TV, I prefer the radio. What do you do about broadband Hairy?
    Virtual Sealed Pot 2018 £20.70
    December 3 NSD
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
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