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  • FIRST POST
    • Sun Addict
    • By Sun Addict 8th Mar 13, 8:30 AM
    • 3,289Posts
    • 16,541Thanks
    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 £295.11
    Weight loss 9.5/14
    Mr SA finally in remission December 2013
Page 164
    • mummytogirls
    • By mummytogirls 10th Oct 16, 6:11 PM
    • 4,555 Posts
    • 11,883 Thanks
    mummytogirls
    Evening SA,

    Sounds like you had a lovely holiday. Ive not been to Lanzarote, might check it out one day.

    I did laugh at Mr SA announcing he doesnt want to go on holiday again... I bet he hasnt been dealing with washing mountain either!!!

    Glad DD and the animals survived without you xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £9104.15 - 15/11/16 - 60.70% paid off
    • Sun Addict
    • By Sun Addict 10th Oct 16, 7:50 PM
    • 3,289 Posts
    • 16,541 Thanks
    Sun Addict
    Evening MTG - too right - he's been sleeping most of the time.

    Back to work today and back to being busy straight from the off. At least the day whizzed by. Also back to the gym - got to be done.

    Finally got round to checking Saurday's lotto ticket and have won £25 Also today has been a NSD

    On a less positive note Mr SA has had a nasty fall tonight in the kitchen. He's quite shook up and has hurt his arm and leg
    Debt free date 31/01/15
    Virtual Sealed Pot £295.11
    Weight loss 9.5/14
    Mr SA finally in remission December 2013
    • beanielou
    • By beanielou 10th Oct 16, 8:22 PM
    • 44,890 Posts
    • 155,586 Thanks
    beanielou
    Yah to lottery win but a big boo to Mr SA's fall
    Passes arnica.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 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 11th Oct 16, 8:37 PM
    • 3,289 Posts
    • 16,541 Thanks
    Sun Addict
    Mr SA still not good, he's extremely exhausted and has already gone to bed. He says last time he felt this bad he was in hospital.

    Went to Zumba after work, small Mr S shop at lunchtime and tonight is alcohol free day number 2 of the week - on a detox after holiday
    Debt free date 31/01/15
    Virtual Sealed Pot £295.11
    Weight loss 9.5/14
    Mr SA finally in remission December 2013
    • Seasidegal58
    • By Seasidegal58 11th Oct 16, 8:47 PM
    • 499 Posts
    • 2,494 Thanks
    Seasidegal58
    Poor Mr SA. I do hope he feels better.
    Finally Debt Free! - July 2016
    Scrimpy Goal - Emergency Fund - £10,000
    Currently: £6027.22 (25/11/2016)

    My debt free diary - " Paid off the £31,000 - BUT still scrimping!"

    NST: December 2016- NSDs: 2/15
    • beanielou
    • By beanielou 11th Oct 16, 9:15 PM
    • 44,890 Posts
    • 155,586 Thanks
    beanielou
    Take care Mr & Mrs SA
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 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 12th Oct 16, 8:52 PM
    • 3,289 Posts
    • 16,541 Thanks
    Sun Addict
    MR SA still shattered. However, so am I as he was snoring so loudly last night I hardly slept. Kept digging him in the back but he carried on. Not great when I have to get up at 5am

    Today should have been another NSD but Mr SA rang me to say we were out of margarine so nipped to Mr T on the way home, picked up marg and a bottle of wine. Although I did pick up £25 Lotto winnings at the same time. So tonight I have caved in and am having a large glass of wine which will hopefully help me sleep through the snoring.

    Circuit training at lunchtime was good but tough, will ache tomorrow I'm sure.
    Debt free date 31/01/15
    Virtual Sealed Pot £295.11
    Weight loss 9.5/14
    Mr SA finally in remission December 2013
    • Seasidegal58
    • By Seasidegal58 12th Oct 16, 9:03 PM
    • 499 Posts
    • 2,494 Thanks
    Seasidegal58
    Yay on the lottery win! Have two glasses of wine tonight and treat yourself!
    Finally Debt Free! - July 2016
    Scrimpy Goal - Emergency Fund - £10,000
    Currently: £6027.22 (25/11/2016)

    My debt free diary - " Paid off the £31,000 - BUT still scrimping!"

    NST: December 2016- NSDs: 2/15
    • beanielou
    • By beanielou 12th Oct 16, 9:25 PM
    • 44,890 Posts
    • 155,586 Thanks
    beanielou
    Sweet dreams
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 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***
    • mummytogirls
    • By mummytogirls 13th Oct 16, 4:04 PM
    • 4,555 Posts
    • 11,883 Thanks
    mummytogirls
    Hope Mr SA is ok now.

    Yay to the win though thats fab!!! xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £9104.15 - 15/11/16 - 60.70% paid off
    • Sun Addict
    • By Sun Addict 13th Oct 16, 7:34 PM
    • 3,289 Posts
    • 16,541 Thanks
    Sun Addict
    Thanks all, I had a half decent night's sleep. Just goes to show that a glass of wine is far better for helping you sleep than supposedly sleep inducing herbal tea.

    Mr SA had diarrhoea and sickness today. Also he tried to do some jobs round the house, fell off the step ladders and hurt his back. He knows he can't do ladders, he's a danger to himself.

    Didn't go to WW tonight as got home from work late due to having to take meeting notes at the last minute. Must go next week, although according to my scales I've stayed the same, they're pretty accurate.

    Thank goodness it's Friday tomorrow!
    Debt free date 31/01/15
    Virtual Sealed Pot £295.11
    Weight loss 9.5/14
    Mr SA finally in remission December 2013
    • Seasidegal58
    • By Seasidegal58 13th Oct 16, 8:50 PM
    • 499 Posts
    • 2,494 Thanks
    Seasidegal58
    Sorry that Mr SA is poorly again but good to hear you got some well deserved sleep. At least the scales have stayed the same and not gone up!
    Finally Debt Free! - July 2016
    Scrimpy Goal - Emergency Fund - £10,000
    Currently: £6027.22 (25/11/2016)

    My debt free diary - " Paid off the £31,000 - BUT still scrimping!"

    NST: December 2016- NSDs: 2/15
    • Sun Addict
    • By Sun Addict 14th Oct 16, 9:38 PM
    • 3,289 Posts
    • 16,541 Thanks
    Sun Addict
    Friday

    Mr SA still not well. Not stopped him eating his evening meal though.

    Went to spinning at lunchtime, was good, still aching a bit from circuits.

    Work was manic, only two of us in today on our team.

    Hairdressers tomorrow - 8am appointment - what on earth made me think that was a good idea on a Saturday!
    Debt free date 31/01/15
    Virtual Sealed Pot £295.11
    Weight loss 9.5/14
    Mr SA finally in remission December 2013
    • Seasidegal58
    • By Seasidegal58 15th Oct 16, 9:58 PM
    • 499 Posts
    • 2,494 Thanks
    Seasidegal58
    Good that he is eating ok. You can cheer him up with your new glamorous hair!
    Finally Debt Free! - July 2016
    Scrimpy Goal - Emergency Fund - £10,000
    Currently: £6027.22 (25/11/2016)

    My debt free diary - " Paid off the £31,000 - BUT still scrimping!"

    NST: December 2016- NSDs: 2/15
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 16th Oct 16, 7:35 AM
    • 7,624 Posts
    • 41,429 Thanks
    please-let-me-be-lucky
    Just catching up, sorry to hear Mr SA has been poorly. Was going to say he sounded depressed, but the addition of sickness and the runs makes me think otherwise. Hope he's a little better today.

    Happy new hair!! Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in December - 0/5
    • beanielou
    • By beanielou 16th Oct 16, 10:28 AM
    • 44,890 Posts
    • 155,586 Thanks
    beanielou
    Hope Mr Sa is on the mend.
    Happy new hair indeed.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 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 16th Oct 16, 5:47 PM
    • 3,289 Posts
    • 16,541 Thanks
    Sun Addict
    Remind me never to book such an early hair appointment again at the weekend (yawn). It was horrendous getting up at 6am on a Saturday and having to get ready to go out.

    Mr SA a lot better now thankfully. He was eating curry last night so must be ok.

    This weekend has flown by and I don't seem to have got that much done We packed away the garden furniture today. Mr SA has been reluctant to do this job as I'm sure he thinks summer will come back. There are so many jobs that he could chip away at during the week and save me doing them but he won't do anything without someone prompting him which is really annoying. Even if I write it on his whiteboard he ignores it. This is where I miss the carer coming in as he used to motivate him to do things. Even the online shop has to be delivered when I'm there now as he says it hurts his back bringing it in and putting it away.

    Had a quick sort of finances today, everything looking ok, credit card has rolled over, still need to have a look at if I'm on track to clear it on payday, will do this later. VSP now holds £679.24.
    Debt free date 31/01/15
    Virtual Sealed Pot £295.11
    Weight loss 9.5/14
    Mr SA finally in remission December 2013
    • Sun Addict
    • By Sun Addict 17th Oct 16, 8:23 PM
    • 3,289 Posts
    • 16,541 Thanks
    Sun Addict
    Bought a Breville health fryer from Argos which arrived today. Cooked Mr SA some chips in it and he loved them. I've pointed out to him that it's not just for his chips! Not really had much time to look at what it does properly yet but it looks good so far.

    Gym this lunchtime and an alcohol free day so no doubt no sleep for me through Mr SA's snoring tonight.
    Debt free date 31/01/15
    Virtual Sealed Pot £295.11
    Weight loss 9.5/14
    Mr SA finally in remission December 2013
    • beanielou
    • By beanielou 17th Oct 16, 8:42 PM
    • 44,890 Posts
    • 155,586 Thanks
    beanielou
    Have heard fab reports on health/air fryers.
    Lucky you.
    A wee bit too pricy for me.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 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***
    • mummytogirls
    • By mummytogirls 17th Oct 16, 8:43 PM
    • 4,555 Posts
    • 11,883 Thanks
    mummytogirls
    So glad Mr SA is feeling better SA. Not heard of these health fryers before... must have a look at them x
    Mummytogirls x

    £23164.32 - 12/12/10
    £9104.15 - 15/11/16 - 60.70% paid off
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