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    • pennywisepoundstupid
    • By pennywisepoundstupid 4th Jan 16, 11:12 AM
    • 4,358Posts
    • 13,206Thanks
    pennywisepoundstupid
    Alway's believe that something wonderful is about to happen!
    • #1
    • 4th Jan 16, 11:12 AM
    Alway's believe that something wonderful is about to happen! 4th Jan 16 at 11:12 AM
    Happy New Year everyone!


    Well after over 6 months of being away I'm back and raring to go. So new diary time, 2015 was a carp year and I'm glad to see the back of it, so its a new year of looking forward and not dwelling on the past.


    Will update some more later.x.



Page 1
    • DebtFree2012
    • By DebtFree2012 4th Jan 16, 12:16 PM
    • 3,476 Posts
    • 9,584 Thanks
    DebtFree2012
    • #2
    • 4th Jan 16, 12:16 PM
    • #2
    • 4th Jan 16, 12:16 PM
    Welcome back penny lovely to see you. Here's to 2016!
    Debt - CCV £3792
    CCB £1383 (took a hit for a holiday)

    Loan 1 £1787
    Loan 2 £1683
    Total £8601 Was £39302
    • Taffia
    • By Taffia 4th Jan 16, 12:52 PM
    • 1 Posts
    • 5 Thanks
    Taffia
    • #3
    • 4th Jan 16, 12:52 PM
    • #3
    • 4th Jan 16, 12:52 PM
    I've lurked on your diary from this time last year & missed you. Glad to see you back. Hoping you find your balance between debt busting & family fun.
    Take care x
    • pennywisepoundstupid
    • By pennywisepoundstupid 4th Jan 16, 1:11 PM
    • 4,358 Posts
    • 13,206 Thanks
    pennywisepoundstupid
    • #4
    • 4th Jan 16, 1:11 PM
    • #4
    • 4th Jan 16, 1:11 PM
    Welcome back penny lovely to see you. Here's to 2016!
    Originally posted by DebtFree2012
    Hi and thanks for popping by, I hope you are well!


    I hope 2016 will be a fantastic year for you, I need to go and read your diary and find out what I've been missing.


    Take care.x.
    • pennywisepoundstupid
    • By pennywisepoundstupid 4th Jan 16, 1:13 PM
    • 4,358 Posts
    • 13,206 Thanks
    pennywisepoundstupid
    • #5
    • 4th Jan 16, 1:13 PM
    • #5
    • 4th Jan 16, 1:13 PM
    I've lurked on your diary from this time last year & missed you. Glad to see you back. Hoping you find your balance between debt busting & family fun.
    Take care x
    Originally posted by Taffia
    Hi Taffia, lovely to meet you and please don't lurk feel free to join in anytime, I love having cheerleaders .


    Wishing you a Happy New Year.x.
    • pennywisepoundstupid
    • By pennywisepoundstupid 4th Jan 16, 1:35 PM
    • 4,358 Posts
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    pennywisepoundstupid
    • #6
    • 4th Jan 16, 1:35 PM
    • #6
    • 4th Jan 16, 1:35 PM
    Good afternoon diary.


    Apologies now for any rambling.


    I'm not really going to set myself any targets or goals, why? I hear you ask, simple because I always fail and then feel $h!t about myself, I am going to achieve things and when I do I will post my little achievements and maybe raise a glass or 2 of vino, but I will not have a sig full of things that make me feel carp everytime I log on, neither will I have a list of my debts staring me in the face making me feel a failure.


    I'm going to talk about things that make me feel good, the little things I achieve everyday and some days that may be the fact I've got through the day.


    Today is my last day off before I head back to work tomorrow, so I've been busy this morning catching up with the washing and yes I've used the tumble dryer,I used to feel guilty about this but not anymore, yes it costs money to run but I want a tidy dry house without damp wet washing everywhere, I have put some items on the airer but when you have done 3 loads with at least 4 more to go the airer just doesn't cut it.


    I have cooked a chicken this morning and chocolate brownies, so used the oven to its max (brownie points there excuse pun).
    Ironing has been done, animals fed and watered and log baskets filled.


    I have a couple of bills to pay and and ebay item to wrap, then I need to go and pick children up from school and take to the opticians, whilst in town I need to stock up on honey and chillis for Chinese fakeaway, also will get a couple of loaves of bread for the freezer.


    Survey - I'm still going strong with these but have cut back on a couple of sites that I feel have gone off the boil.


    Ebay - seriously fallen out of love with it and I have been screwed over by a few buyers recently, everything seems to be in there favour and the fees have just got stupid.


    Children - Costing a fortune now they are hitting those teenage years, just things like clothes and shoes, the cost of school shoes once they get into adult sizes are just scary, then there is uniform, trips etc etc etc.


    Hubby - still amazing, hard working, untidy and lovely.


    So all in all i'm still winging my way through life.x.
    • DebtFree2012
    • By DebtFree2012 4th Jan 16, 2:29 PM
    • 3,476 Posts
    • 9,584 Thanks
    DebtFree2012
    • #7
    • 4th Jan 16, 2:29 PM
    • #7
    • 4th Jan 16, 2:29 PM
    and what a fabulous life you have, too .
    Debt - CCV £3792
    CCB £1383 (took a hit for a holiday)

    Loan 1 £1787
    Loan 2 £1683
    Total £8601 Was £39302
    • pennywisepoundstupid
    • By pennywisepoundstupid 4th Jan 16, 2:37 PM
    • 4,358 Posts
    • 13,206 Thanks
    pennywisepoundstupid
    • #8
    • 4th Jan 16, 2:37 PM
    • #8
    • 4th Jan 16, 2:37 PM
    and what a fabulous life you have, too .
    Originally posted by DebtFree2012


    Thankyou, hun.x.
    Be mindful of your self-talk. It's a conversation with the Universe."
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 4th Jan 16, 6:06 PM
    • 8,333 Posts
    • 46,649 Thanks
    please-let-me-be-lucky
    • #9
    • 4th Jan 16, 6:06 PM
    • #9
    • 4th Jan 16, 6:06 PM
    I have subscribed to your new diary and have my cheerleader's outfit ready to help celebrate your achievements!! (It's not a pretty sight though - too many sweet mince pies ).

    Hope 2016 is good to you Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in November 2/5
    Lbs lost 14.5/107.
    • mummytogirls
    • By mummytogirls 4th Jan 16, 6:15 PM
    • 5,621 Posts
    • 17,920 Thanks
    mummytogirls
    Welcome back Pennywise, loving the new ways you are setting for yourself xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6936.45 - 04/09/17 - 70.99% paid off
    • pennywisepoundstupid
    • By pennywisepoundstupid 4th Jan 16, 6:42 PM
    • 4,358 Posts
    • 13,206 Thanks
    pennywisepoundstupid
    I have subscribed to your new diary and have my cheerleader's outfit ready to help celebrate your achievements!! (It's not a pretty sight though - too many sweet mince pies ).

    Hope 2016 is good to you Xx
    Originally posted by please-let-me-be-lucky


    PLMBL good to hear from you and Happy New Year, hope you and your boys are all ok.
    Last edited by pennywisepoundstupid; 04-01-2016 at 6:50 PM.
    Be mindful of your self-talk. It's a conversation with the Universe."
    • pennywisepoundstupid
    • By pennywisepoundstupid 4th Jan 16, 6:51 PM
    • 4,358 Posts
    • 13,206 Thanks
    pennywisepoundstupid
    Welcome back Pennywise, loving the new ways you are setting for yourself xx
    Originally posted by mummytogirls

    Happy New Year mummy, thanks for dropping by.
    Be mindful of your self-talk. It's a conversation with the Universe."
    • scubaangel
    • By scubaangel 4th Jan 16, 8:11 PM
    • 6,377 Posts
    • 10,343 Thanks
    scubaangel
    Welcome back PWPS, hope the excessive damp weather hasn't affected you too much this holiday season!
    It’s not worth doing something unless someone, somewhere, would much rather you weren’t doing it.
    Sir Terry Pratchett
    Find my diary here

    http://forums.moneysavingexpert.com/showthread.php?t=5135113
    • Eager_Elephant
    • By Eager_Elephant 4th Jan 16, 9:30 PM
    • 4,132 Posts
    • 22,412 Thanks
    Eager_Elephant
    Glad you have returned PWPS


    I missed my survey buddy - I have not done any real surveys since the spring and really missed being able to use them at Xmas - I am getting back into them now and will do as many as I can.
    I dropped a few last year as well but still have about 10 on the go.

    Looking forward to cheering you on in 2016.
    Ninja Saving Turtle No. 15 for November
    NSD - 1/15
    (up to 01/11/17)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • choogirl
    • By choogirl 5th Jan 16, 7:43 AM
    • 1,274 Posts
    • 2,190 Thanks
    choogirl
    Welcome back Pennywise x

    I love the positivity and are in total agreement about using the tumble dryer instead of having wet washing hanging around.

    Looking forward to your next update x
    • chanie
    • By chanie 5th Jan 16, 8:01 AM
    • 1,681 Posts
    • 8,320 Thanks
    chanie
    Hi Pennywise,

    Good luck with your challenge. Like you, I don't generally set myself goals, but want to focus on good living. You sound really positive and I can't wait to read about what you are up to.
    2017 challenge to save £800
    Savings on purchases £807.18
    My spending diary - Spend Less, Live More
    http://forums.moneysavingexpert.com/showthread.php?t=4327401ht
    • pennywisepoundstupid
    • By pennywisepoundstupid 5th Jan 16, 4:29 PM
    • 4,358 Posts
    • 13,206 Thanks
    pennywisepoundstupid
    Welcome back PWPS, hope the excessive damp weather hasn't affected you too much this holiday season!
    Originally posted by scubaangel


    Hi scuba, hope your well and Happy New year.


    It has been rather on the damp side hasn't it, we have been lucky as we live on a bit of a hill, but when I look down the land it's flooded, we were also lucky that are house was not flooded although we know people who have and have lost so much.


    Lovely Lancashire it is not at the minute.
    Be mindful of your self-talk. It's a conversation with the Universe."
    • pennywisepoundstupid
    • By pennywisepoundstupid 5th Jan 16, 4:31 PM
    • 4,358 Posts
    • 13,206 Thanks
    pennywisepoundstupid
    Glad you have returned PWPS


    I missed my survey buddy - I have not done any real surveys since the spring and really missed being able to use them at Xmas - I am getting back into them now and will do as many as I can.
    I dropped a few last year as well but still have about 10 on the go.

    Looking forward to cheering you on in 2016.
    Originally posted by Eager_Elephant

    Hi EE, good to hear from you, hope life is good for you at the minute, have you had any flooding?


    PWPS.x.
    Be mindful of your self-talk. It's a conversation with the Universe."
    • pennywisepoundstupid
    • By pennywisepoundstupid 5th Jan 16, 4:32 PM
    • 4,358 Posts
    • 13,206 Thanks
    pennywisepoundstupid
    Welcome back Pennywise x

    I love the positivity and are in total agreement about using the tumble dryer instead of having wet washing hanging around.

    Looking forward to your next update x
    Originally posted by choogirl
    Hi Choo, how's life treating you, good I hope?


    Thanks for popping by.


    PWPS.x.
    Be mindful of your self-talk. It's a conversation with the Universe."
    • pennywisepoundstupid
    • By pennywisepoundstupid 5th Jan 16, 4:34 PM
    • 4,358 Posts
    • 13,206 Thanks
    pennywisepoundstupid
    Hi Pennywise,

    Good luck with your challenge. Like you, I don't generally set myself goals, but want to focus on good living. You sound really positive and I can't wait to read about what you are up to.
    Originally posted by chanie
    Hi chanie, thankyou for posting. I'm focusing on being happy and enjoying life.


    Take care.x.
    Be mindful of your self-talk. It's a conversation with the Universe."
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