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  • FIRST POST
    • 166million
    • By 166million 23rd Nov 11, 1:23 PM
    • 1,112Posts
    • 4,678Thanks
    166million
    Break on through...2012....to 2017
    • #1
    • 23rd Nov 11, 1:23 PM
    Break on through...2012....to 2017 23rd Nov 11 at 1:23 PM
    Here is where I begin:

    [January 2011 total debt: £4576.65]

    November 2011 total debt: £1330.10

    3 days to payday...1.....2.....3.....
    Last edited by 166million; 10-11-2017 at 10:34 PM. Reason: New title
    **Debt Free as of 15:55 on Friday 23rd March 2012**And I am staying that way
    377 166million Sealed Pot Challenge 2018
    My debt free diary http://http://forums.moneysavingexpert.com/showthread.php?t=3630099
    No. 90: Emergency fund £250
Page 5
    • 166million
    • By 166million 6th Aug 15, 10:37 AM
    • 1,112 Posts
    • 4,678 Thanks
    166million
    Grr. Binge strikes again
    **Debt Free as of 15:55 on Friday 23rd March 2012**And I am staying that way
    377 166million Sealed Pot Challenge 2018
    My debt free diary http://http://forums.moneysavingexpert.com/showthread.php?t=3630099
    No. 90: Emergency fund £250
    • 166million
    • By 166million 18th Dec 15, 12:46 PM
    • 1,112 Posts
    • 4,678 Thanks
    166million
    Planning section for 2016

    1. Barclaycard account used for groceries and petrol. To be paid off on the last day of budget month. Keep track of weekly totals and try to do one weekly shop.

    2. Two months of council tax money (Feb/Mar)to be put in savings account split between extra household and pet bills.

    3. Continue saving all ISA money into separate account until April 2016 when I will open Help to Buy ISA.

    4. Use savings pots only on what they are budgeted for.

    5. Withdraw £50 cash per month for general spending. Any change at end of week/ month goes into piggy pots. £30 cash also available for Kung Fu payments.

    6. Expenses goes straight back into the Bills account. Odd pounds/pence can be filtered into savings for car stuff.

    7. Cashback goes straight in to Bills savings account.
    Last edited by 166million; 18-12-2015 at 12:49 PM.
    **Debt Free as of 15:55 on Friday 23rd March 2012**And I am staying that way
    377 166million Sealed Pot Challenge 2018
    My debt free diary http://http://forums.moneysavingexpert.com/showthread.php?t=3630099
    No. 90: Emergency fund £250
    • 166million
    • By 166million 31st Dec 15, 12:31 PM
    • 1,112 Posts
    • 4,678 Thanks
    166million
    OK got 11p for the piggy banks
    Ordered discount tesco card for groceries for the month.
    done my first petrol top up of the year.
    paid off credit card from December
    Need to withdraw some cash.
    I am ready for action
    **Debt Free as of 15:55 on Friday 23rd March 2012**And I am staying that way
    377 166million Sealed Pot Challenge 2018
    My debt free diary http://http://forums.moneysavingexpert.com/showthread.php?t=3630099
    No. 90: Emergency fund £250
    • 166million
    • By 166million 10th Mar 16, 11:32 AM
    • 1,112 Posts
    • 4,678 Thanks
    166million
    Want to open Regular saver and perhaps get a reward credit card to repalce the barclay card.
    **Debt Free as of 15:55 on Friday 23rd March 2012**And I am staying that way
    377 166million Sealed Pot Challenge 2018
    My debt free diary http://http://forums.moneysavingexpert.com/showthread.php?t=3630099
    No. 90: Emergency fund £250
    • 166million
    • By 166million 13th Dec 16, 2:59 PM
    • 1,112 Posts
    • 4,678 Thanks
    166million
    1. Need to lose 35lbs!
    2. Savings
    3. Piggy Banks
    **Debt Free as of 15:55 on Friday 23rd March 2012**And I am staying that way
    377 166million Sealed Pot Challenge 2018
    My debt free diary http://http://forums.moneysavingexpert.com/showthread.php?t=3630099
    No. 90: Emergency fund £250
    • 166million
    • By 166million 10th Nov 17, 10:21 PM
    • 1,112 Posts
    • 4,678 Thanks
    166million
    On to 2018
    Omg have I let things slide I think I need to start up this diary again. I am a bit of a mess and not keeping my eye on the ball

    1. Weight and fitness are a big concern.
    2. Am going through redundancy and struggling with stress and depression
    3. Spent most of my savings pot last year
    4. The house is an absolute tip all the time

    I am in a bit of a slump.

    Positive things:
    1. Have asked for help from GP and arranged counselling
    2. Still have job until February so time to sort things out
    3. Still have a inkling of desire to do something and sort my shiz out.
    4. Starting volunteering at the end of the month
    5. Have been ill but am starting to feel better
    6. No debt
    7. Thinking of booking in for a reflexology session for which I can claim the cost back from my cash plan.

    Will try and keep up with any progress I make. Small things may help

    I have started the Emergncy fund challenge on here so that's something to work towards I am hoping the work situation won't affect my saving too much *fingers crossed*
    Last edited by 166million; 11-11-2017 at 12:24 AM.
    **Debt Free as of 15:55 on Friday 23rd March 2012**And I am staying that way
    377 166million Sealed Pot Challenge 2018
    My debt free diary http://http://forums.moneysavingexpert.com/showthread.php?t=3630099
    No. 90: Emergency fund £250
    • 166million
    • By 166million 10th Nov 17, 11:59 PM
    • 1,112 Posts
    • 4,678 Thanks
    166million
    Jobs for tomorrow:
    1. Sort out all laundry put away clean, get dirty ready for cleaning
    2. Clean up kitchen
    3. Empty bins
    4. Take medications properly at the right times
    5. Do a food shopping list
    6. Have a bath
    7. Weigh myself if feeling up to it.
    8. Check job search sites
    9. Sort out exercise plan
    10. Do some work on applications/ elearning
    Might be able to do the elearning even if I can't do anything else because typing the "a" word above sent a wave of panic across my chest
    11. Cook a proper meal

    I'll add more if it comes up but this might be more than I can cope with for one day anyway.
    Last edited by 166million; 11-11-2017 at 12:08 AM.
    **Debt Free as of 15:55 on Friday 23rd March 2012**And I am staying that way
    377 166million Sealed Pot Challenge 2018
    My debt free diary http://http://forums.moneysavingexpert.com/showthread.php?t=3630099
    No. 90: Emergency fund £250
    • Chrystal
    • By Chrystal 11th Nov 17, 12:26 AM
    • 126 Posts
    • 834 Thanks
    Chrystal
    Just popping in to cheer you on and hoping you start to feel better soon.

    I'm sure you'll get lots of encouragement and great advice from the lovely people on this thread.

    Keep your chin up and keep posting. X
    GC. Oct.17 = £261.18/ £300 = + £38.82 NSDs 20/31
    GC. Sept.17 = £354.89/£300 = - £54.39

    • 166million
    • By 166million 11th Nov 17, 10:47 PM
    • 1,112 Posts
    • 4,678 Thanks
    166million
    Jobs for tomorrow:
    1. Sort out all laundry put away clean, get dirty ready for cleaning
    2. Clean up kitchen
    3. Empty bins
    4. Take medications properly at the right times
    5. Do a food shopping list
    6. Have a bath
    7. Weigh myself if feeling up to it.
    8. Check job search sites
    9. Sort out exercise plan
    10. Do some work on applications/ elearning
    Might be able to do the elearning even if I can't do anything else because typing the "a" word above sent a wave of panic across my chest
    11. Cook a proper meal

    I'll add more if it comes up but this might be more than I can cope with for one day anyway.
    Originally posted by 166million
    Got to do all this tomorrow anyway. Have started some things but not completed.
    Although took the rubbish out so maybe that won't need doing again, but probably will.
    And I have weighed myself so no point in doing that again tomorrow.

    Need to add
    - Do the food shop
    - get work clothes ready for morning

    Hope I can do better tomorrow
    **Debt Free as of 15:55 on Friday 23rd March 2012**And I am staying that way
    377 166million Sealed Pot Challenge 2018
    My debt free diary http://http://forums.moneysavingexpert.com/showthread.php?t=3630099
    No. 90: Emergency fund £250
    • 166million
    • By 166million 12th Nov 17, 9:56 PM
    • 1,112 Posts
    • 4,678 Thanks
    166million
    Most of the jobs have been done - or mostly done.

    -Food shop tomorrow. Budget of £34
    -Need to take some shirts to dry cleaner
    -Back to work after a few days off so will have lots to catch up on there.
    -Diet needs to get back on track so will be making planned dinner tomorrow
    Last edited by 166million; 12-11-2017 at 9:58 PM.
    **Debt Free as of 15:55 on Friday 23rd March 2012**And I am staying that way
    377 166million Sealed Pot Challenge 2018
    My debt free diary http://http://forums.moneysavingexpert.com/showthread.php?t=3630099
    No. 90: Emergency fund £250
    • 166million
    • By 166million 13th Nov 17, 2:14 PM
    • 1,112 Posts
    • 4,678 Thanks
    166million
    Just want to give up
    couldn't go back to work, still feeling rough.
    I need to go back whatever happens it's making me more depressed staying away.
    Last edited by 166million; 13-11-2017 at 2:31 PM.
    **Debt Free as of 15:55 on Friday 23rd March 2012**And I am staying that way
    377 166million Sealed Pot Challenge 2018
    My debt free diary http://http://forums.moneysavingexpert.com/showthread.php?t=3630099
    No. 90: Emergency fund £250
    • 166million
    • By 166million 22nd Nov 17, 4:44 PM
    • 1,112 Posts
    • 4,678 Thanks
    166million
    Aha I'm back

    Need to start thinking about reducing my outgoings in the new year, maybe cancel window cleaner although that's not a massive amount, trying to prepare myself for potential earnings loss after February.
    Any tips would be great if anyones reading.....should I cancel Sky etc now on the chance that I may not have a job come March?
    Last edited by 166million; 22-11-2017 at 4:51 PM.
    **Debt Free as of 15:55 on Friday 23rd March 2012**And I am staying that way
    377 166million Sealed Pot Challenge 2018
    My debt free diary http://http://forums.moneysavingexpert.com/showthread.php?t=3630099
    No. 90: Emergency fund £250
    • 166million
    • By 166million 29th Nov 17, 7:59 PM
    • 1,112 Posts
    • 4,678 Thanks
    166million
    Jobs for tomorrow :
    -take rubbish and recycling out
    - do post office , put cash in pot
    - do some work on application
    - do some elearning
    **Debt Free as of 15:55 on Friday 23rd March 2012**And I am staying that way
    377 166million Sealed Pot Challenge 2018
    My debt free diary http://http://forums.moneysavingexpert.com/showthread.php?t=3630099
    No. 90: Emergency fund £250
    • 166million
    • By 166million 4th Dec 17, 4:51 PM
    • 1,112 Posts
    • 4,678 Thanks
    166million
    It's all so up in the air. Am saving as much as possible, just feel I can't plan for the future at the moment as I don't know what's happening. In 5 and a half weeks I will have an answer. I hope its the one I want
    **Debt Free as of 15:55 on Friday 23rd March 2012**And I am staying that way
    377 166million Sealed Pot Challenge 2018
    My debt free diary http://http://forums.moneysavingexpert.com/showthread.php?t=3630099
    No. 90: Emergency fund £250
    • 166million
    • By 166million 7th Dec 17, 1:40 PM
    • 1,112 Posts
    • 4,678 Thanks
    166million
    Have plans for money for next year.
    Have got LISA set up and have recently got a 5% current account
    Don't know what my job is going to be though.

    Application needs to be in by 5pm today
    Its the final countdown....
    **Debt Free as of 15:55 on Friday 23rd March 2012**And I am staying that way
    377 166million Sealed Pot Challenge 2018
    My debt free diary http://http://forums.moneysavingexpert.com/showthread.php?t=3630099
    No. 90: Emergency fund £250
    • 166million
    • By 166million 10th Dec 17, 12:54 PM
    • 1,112 Posts
    • 4,678 Thanks
    166million
    Wow I am much better
    I love my life
    Am snuggled up watching crap film and eating chocolate
    **Debt Free as of 15:55 on Friday 23rd March 2012**And I am staying that way
    377 166million Sealed Pot Challenge 2018
    My debt free diary http://http://forums.moneysavingexpert.com/showthread.php?t=3630099
    No. 90: Emergency fund £250
    • 166million
    • By 166million 11th Dec 17, 10:25 AM
    • 1,112 Posts
    • 4,678 Thanks
    166million
    I'm so bored! It's taking ages for transactions to show up on my current accounts and credit cards.
    Also waiting for payday, in 9 days.

    Bored Bored Bored
    **Debt Free as of 15:55 on Friday 23rd March 2012**And I am staying that way
    377 166million Sealed Pot Challenge 2018
    My debt free diary http://http://forums.moneysavingexpert.com/showthread.php?t=3630099
    No. 90: Emergency fund £250
    • 166million
    • By 166million 12th Dec 17, 10:32 AM
    • 1,112 Posts
    • 4,678 Thanks
    166million
    Yay I got a refund of the car insurance installment paid by accident!
    This month is looking less bleak. payday in 8 days
    Have spent too much on Christmas presents though.
    **Debt Free as of 15:55 on Friday 23rd March 2012**And I am staying that way
    377 166million Sealed Pot Challenge 2018
    My debt free diary http://http://forums.moneysavingexpert.com/showthread.php?t=3630099
    No. 90: Emergency fund £250
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