Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • Sun Addict
    • By Sun Addict 8th Mar 13, 8:30 AM
    • 3,821Posts
    • 19,777Thanks
    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.
    Debt free date 31/01/15
    Virtual Sealed Pot 262.12
    Weight loss 1/5lbs
    May AFD 0/8 NSD 0/8
    Mr SA finally in remission December 2013
Page 204
    • Sun Addict
    • By Sun Addict 28th May 17, 8:59 PM
    • 3,821 Posts
    • 19,777 Thanks
    Sun Addict
    Weather has been lovely here today, finally got to sit in the sun

    Not an entirely relaxing day, have done some weeding and painting of garden furniture. Was aiming for a NSD day today but Mr SA announced he had run out of razors, plus he was determined to have cheeseburger and chips for lunch and we didn't have burgers or bread rolls

    If anyone remembers last summer Mr SA wanted a camping chair for heavier people, cost a fair bit more than normal one, but bought one anyway - well he's broken it. This is now the third garden chair he's trashed in less than a year, he plonks himself down in them, falling into them and subjecting them to more than his 18 stone weight by doing this. So frustrating, don't think there's an answer to that problem really.

    2 more days off work
    Last edited by Sun Addict; Yesterday at 9:07 PM.
    Debt free date 31/01/15
    Virtual Sealed Pot 262.12
    Weight loss 1/5lbs
    May AFD 0/8 NSD 0/8
    Mr SA finally in remission December 2013
    • beanielou
    • By beanielou 28th May 17, 10:32 PM
    • 46,082 Posts
    • 162,802 Thanks
    beanielou
    Laughing at the image of Mr SA.
    To be fair I sometimes do it myself
    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***
    • UncannyScot
    • By UncannyScot 28th May 17, 10:37 PM
    • 139 Posts
    • 415 Thanks
    UncannyScot
    I do hope Mr SA is OK and hasn't hurt anything (or spilt any of that good ale he likes ;D )

    ALDI have some really nice camping chairs with attached side tables just now, can't remember how much they are though...
    It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
    R.I.P. T.P.
    • Sun Addict
    • By Sun Addict 29th May 17, 7:29 AM
    • 3,821 Posts
    • 19,777 Thanks
    Sun Addict
    Thanks Uncanny Scot - he's trashed so many camping chairs hence the extra strong one but not lasted any longer. Our local charity shop sell the ordinary ones for 5 so that will be the next purchase, no point paying a lot. He used to be a roofer and run up and down ladders all day but since he became disabled he's put on 4 stone - the result of a good appetite, no exercise and a love of beer! He didn't spill any beer by the way
    Debt free date 31/01/15
    Virtual Sealed Pot 262.12
    Weight loss 1/5lbs
    May AFD 0/8 NSD 0/8
    Mr SA finally in remission December 2013
    • UncannyScot
    • By UncannyScot 29th May 17, 1:04 PM
    • 139 Posts
    • 415 Thanks
    UncannyScot
    He didn't spill any beer by the way
    Originally posted by Sun Addict
    That is class lol
    Glad he is ok
    It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
    R.I.P. T.P.
    • mummytogirls
    • By mummytogirls 29th May 17, 1:24 PM
    • 5,063 Posts
    • 14,452 Thanks
    mummytogirls
    Glad you finally got some sun SA. Oh dear to the chair, might aswell just buy the cheaper ones like you say xx
    Mummytogirls x

    23164.32 - 12/12/10
    8020.30 - 16/04/17 - 65.38% paid off
    • Bubblesmum
    • By Bubblesmum 29th May 17, 1:29 PM
    • 1,010 Posts
    • 5,767 Thanks
    Bubblesmum
    oooh on Martins email... will go and search....
    Mrs B Debt 1876 @ 5/01/2017
    • Hiddenidenity
    • By Hiddenidenity 29th May 17, 4:37 PM
    • 2,979 Posts
    • 11,112 Thanks
    Hiddenidenity
    Glad Mr SA is okay.

    Hope you're doing okay too.

    DFW 328.71/7348.71
    You have brains in your head. You have feet in your shoes. You can steer yourself any direction you choose.
    Rent Arrears 31.28 /3381.28
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

2,820Posts Today

7,893Users online

Martin's Twitter