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  • FIRST POST
    • Uniscots97
    • By Uniscots97 29th Jan 18, 7:31 PM
    • 6,351Posts
    • 23,366Thanks
    Uniscots97
    Back, still in debt, probably depressed (Take 2)
    • #1
    • 29th Jan 18, 7:31 PM
    Back, still in debt, probably depressed (Take 2) 29th Jan 18 at 7:31 PM
    Hi, for those following my previous diary ď Back, still in debt, probably depressed and not a lot going right Ē, Iím not sure what happened to it. It just disappeared overnight. Iíve reported it but read a lot of threads are disappearing.

    So if youíre new to my diary.... hello!! If you read my previous diary welcome back and thank you for trying to find me.

    So today, I was telling my boss about my health. I thought he was going to cry and he asked me to send him an email confirming what I told him.
    CC2 = £9638.39 (£10000 )CC1 = £0 (£9983 ); Reusing shopping bags savings =£3.00 vs spent £0.75 .Wine is like opera. You can enjoy it even if you don't understand it and too much can give you a headache the next day J
Page 1
    • Cumbria lass
    • By Cumbria lass 29th Jan 18, 7:42 PM
    • 1,373 Posts
    • 7,863 Thanks
    Cumbria lass
    • #2
    • 29th Jan 18, 7:42 PM
    • #2
    • 29th Jan 18, 7:42 PM
    Mine has disappeared as well , not sure I trust this site anymore.
    Jan 2018 CC1 £3099 CC2 £220

    Debt Free Nov 2019: earlier if I have my way
    • redofromstart
    • By redofromstart 29th Jan 18, 7:56 PM
    • 1,128 Posts
    • 6,855 Thanks
    redofromstart
    • #3
    • 29th Jan 18, 7:56 PM
    • #3
    • 29th Jan 18, 7:56 PM
    hi uniscots, much sympathy for loss of your diary
    • Uniscots97
    • By Uniscots97 29th Jan 18, 8:25 PM
    • 6,351 Posts
    • 23,366 Thanks
    Uniscots97
    • #4
    • 29th Jan 18, 8:25 PM
    • #4
    • 29th Jan 18, 8:25 PM
    Thank you. I!!!8217;ll post more to catch people up on my story
    CC2 = £9638.39 (£10000 )CC1 = £0 (£9983 ); Reusing shopping bags savings =£3.00 vs spent £0.75 .Wine is like opera. You can enjoy it even if you don't understand it and too much can give you a headache the next day J
    • fay66
    • By fay66 29th Jan 18, 8:51 PM
    • 704 Posts
    • 1,831 Thanks
    fay66
    • #5
    • 29th Jan 18, 8:51 PM
    • #5
    • 29th Jan 18, 8:51 PM
    another one gone, its stupid, its nice to follow a thread , could have at least told you
    Inland revenue £4500=
    Loan £2610/2130
    Pay day loans -1200/1315
    Credit card 1 - 5100/5186 int froze
    CC2 -990
    CC3 - 500/548 cc4 195/234
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 29th Jan 18, 9:07 PM
    • 3,393 Posts
    • 21,437 Thanks
    HairyHandofDartmoor
    • #6
    • 29th Jan 18, 9:07 PM
    • #6
    • 29th Jan 18, 9:07 PM
    Sorry your diary has gone .

    This has happened to lots of people recently and is due to hackers/spammers attacking MSE. Hopefully the tech people can stop it happening eventually.
    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. Then save up for repairs to the house.
    Emergency Fund 1 = £818/Emergency Fund 2 = £0/Loss of Income Fund £0
    • beanielou
    • By beanielou 29th Jan 18, 9:39 PM
    • 50,632 Posts
    • 193,835 Thanks
    beanielou
    • #7
    • 29th Jan 18, 9:39 PM
    • #7
    • 29th Jan 18, 9:39 PM
    Sorry to hear about your diary
    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***
    • maddiemay
    • By maddiemay 29th Jan 18, 9:59 PM
    • 3,310 Posts
    • 30,362 Thanks
    maddiemay
    • #8
    • 29th Jan 18, 9:59 PM
    • #8
    • 29th Jan 18, 9:59 PM
    The deletion of threads is so annoying for everyone who has lost all their posts, pleased that you have started a new diary.
    • Uniscots97
    • By Uniscots97 29th Jan 18, 10:26 PM
    • 6,351 Posts
    • 23,366 Thanks
    Uniscots97
    • #9
    • 29th Jan 18, 10:26 PM
    • #9
    • 29th Jan 18, 10:26 PM
    Ok, potted history of my previous diary:

    - OH and I having problems
    - debt around 38k, 1 cc almost paid off (worst apr(
    - lots of problems at work which I got union involved with
    - now a lump on my neck, waiting on a referral

    - making as many little payments to cc as I can. The one in the signiwas nearly 4K this time last year
    - selling (or will be) house to move into smaller house so can be mortgage free/closer to family/ better schools/ closer to work etc
    - want to be debt free ASAP but reality is I may be mortgage free before being debt free!!!

    Hopefully that all makes sense. The lump on my throat is scaring (sp?) me. Just want it sorted.
    CC2 = £9638.39 (£10000 )CC1 = £0 (£9983 ); Reusing shopping bags savings =£3.00 vs spent £0.75 .Wine is like opera. You can enjoy it even if you don't understand it and too much can give you a headache the next day J
    • beanielou
    • By beanielou 29th Jan 18, 11:05 PM
    • 50,632 Posts
    • 193,835 Thanks
    beanielou
    Hope your referral comes through very soon.
    Take care.
    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***
    • Uniscots97
    • By Uniscots97 30th Jan 18, 10:26 AM
    • 6,351 Posts
    • 23,366 Thanks
    Uniscots97
    Got a reply back about my previous diary, apparently spammers and must have been removed.

    My throat is a bit scratchy today, trying not to think about it. My Mum has given me some money to pay off my little cc. Once thatís paid off should I keep the cc in case of emergencies but reduce the credit limit? At the moment itís 10k. I then need to decide which other cc to start paying off, all the rest have the same standard rate although did a 0% balance transfer to one of them a while ago.
    CC2 = £9638.39 (£10000 )CC1 = £0 (£9983 ); Reusing shopping bags savings =£3.00 vs spent £0.75 .Wine is like opera. You can enjoy it even if you don't understand it and too much can give you a headache the next day J
    • Uniscots97
    • By Uniscots97 30th Jan 18, 5:42 PM
    • 6,351 Posts
    • 23,366 Thanks
    Uniscots97
    Managed to LO some new clothes (next size) in the sale in Primark for £1, perfect for nursery
    CC2 = £9638.39 (£10000 )CC1 = £0 (£9983 ); Reusing shopping bags savings =£3.00 vs spent £0.75 .Wine is like opera. You can enjoy it even if you don't understand it and too much can give you a headache the next day J
    • Uniscots97
    • By Uniscots97 31st Jan 18, 6:21 AM
    • 6,351 Posts
    • 23,366 Thanks
    Uniscots97
    Just updated my cc with another small payment, less than £46 to go on that cc
    CC2 = £9638.39 (£10000 )CC1 = £0 (£9983 ); Reusing shopping bags savings =£3.00 vs spent £0.75 .Wine is like opera. You can enjoy it even if you don't understand it and too much can give you a headache the next day J
    • Lilith1980
    • By Lilith1980 31st Jan 18, 6:24 AM
    • 1,615 Posts
    • 4,222 Thanks
    Lilith1980
    I didn't see your previous diary, but I'm sorry it got deleted. I'm sorry to hear about your health worries at the moment. Know that you have support here, and keep us posted

    You sound like you're making good progress with your CCs. My aim is to keep chipping away too.
    My debt-free diary
    • CapricornLass
    • By CapricornLass 31st Jan 18, 8:48 AM
    • 112 Posts
    • 328 Thanks
    CapricornLass
    Hi, Uniscots, sorry to hear about your previous diary ( but it explains why I couldn't find it when I went looking for it)

    Hope your throat is a bit better but if it isn't, perhaps a little bit of honey might help to soothe it, if you have any in.

    Regards the credit card - its a wonderful feeling when you manage to clear it, isn't it? If you are quite clear in your mind what constitues an emegency, then I would certainly hang onto the card.With the others, it really depends on what amounts are on each card. Have you had a look at the snowballing techniques (think its in the cards and loans section). That may help you decide how best to tackle them.

    Take care!
    Sealed Pot Challenge no 265.
    • Uniscots97
    • By Uniscots97 31st Jan 18, 11:06 AM
    • 6,351 Posts
    • 23,366 Thanks
    Uniscots97
    I didn't see your previous diary, but I'm sorry it got deleted. I'm sorry to hear about your health worries at the moment. Know that you have support here, and keep us posted

    You sound like you're making good progress with your CCs. My aim is to keep chipping away too.
    Originally posted by Lilith1980

    Thanks Lilith, going to subscribe to your diary. Itís good to see how other people are making progress with their debt. I was gutted losing my diary but mine this time around hadnít been going long, Iíve heard of others losing diaries that had been going years.
    CC2 = £9638.39 (£10000 )CC1 = £0 (£9983 ); Reusing shopping bags savings =£3.00 vs spent £0.75 .Wine is like opera. You can enjoy it even if you don't understand it and too much can give you a headache the next day J
    • Uniscots97
    • By Uniscots97 31st Jan 18, 8:29 PM
    • 6,351 Posts
    • 23,366 Thanks
    Uniscots97
    Thank you for the tip about the honey CapricornLass. My throat is feeling a little better. There!!!8217;s so many bugs going round my work. The referral letter was sent at the end of last week, I called the GP to see what was going on. But they couldn!!!8217;t tell me what the waiting list is at the hospital. I was googling again (I know I shouldn!!!8217;t) and it said if you have a vitamin B12 deficiency you!!!8217;re more likely to suffer from bad reflux, which I do and I take tablets for it. So started taking vitamins again see if that helps everything. It can!!!8217;t do any harm.

    Money wise I paid the money in that my Mum gave me and I!!!8217;m looking forward to making that last payment on my smallest cc. Going to go back to my snowballs and see what it recommends I do with which one to pay off next.
    CC2 = £9638.39 (£10000 )CC1 = £0 (£9983 ); Reusing shopping bags savings =£3.00 vs spent £0.75 .Wine is like opera. You can enjoy it even if you don't understand it and too much can give you a headache the next day J
    • beanielou
    • By beanielou 31st Jan 18, 9:30 PM
    • 50,632 Posts
    • 193,835 Thanks
    beanielou
    What are all the numbers in your post?
    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***
    • Uniscots97
    • By Uniscots97 31st Jan 18, 9:44 PM
    • 6,351 Posts
    • 23,366 Thanks
    Uniscots97
    Oh I don!!!8217;t know it looked fine when I posted it. I!!!8217;ll go edit it.
    CC2 = £9638.39 (£10000 )CC1 = £0 (£9983 ); Reusing shopping bags savings =£3.00 vs spent £0.75 .Wine is like opera. You can enjoy it even if you don't understand it and too much can give you a headache the next day J
    • Uniscots97
    • By Uniscots97 31st Jan 18, 9:45 PM
    • 6,351 Posts
    • 23,366 Thanks
    Uniscots97
    Its apostrophes thats causing it the !!!8220;!!!8216;!!!8220; in words!
    CC2 = £9638.39 (£10000 )CC1 = £0 (£9983 ); Reusing shopping bags savings =£3.00 vs spent £0.75 .Wine is like opera. You can enjoy it even if you don't understand it and too much can give you a headache the next day J
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