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  • FIRST POST
    • Sun Addict
    • By Sun Addict 8th Mar 13, 7:30 AM
    • 3,628Posts
    • 18,549Thanks
    Sun Addict
    Looking for the silver lining
    • #1
    • 8th Mar 13, 7:30 AM
    Looking for the silver lining 8th Mar 13 at 7:30 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 £164.24
    Weight loss 1/5lbs
    March AFD 3/12 NSD 3/8
    Mr SA finally in remission December 2013
Page 194
    • Bubblesmum
    • By Bubblesmum 20th Mar 17, 2:35 PM
    • 894 Posts
    • 5,297 Thanks
    Bubblesmum
    Did you ever find out about the mystery admirer then?
    From Nosey Nellie !in Scotland
    Originally posted by beanielou
    another Nosey Nellie in Surrey
    Mrs B Debt £1876 @ 5/01/2017
    • brizzledfw
    • By brizzledfw 20th Mar 17, 7:08 PM
    • 6,633 Posts
    • 31,673 Thanks
    brizzledfw
    Agree 200% xx
    Originally posted by beanielou
    Beautifully put bubbles..and seconded beanie
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    March '17 Savings Rate Goal: 30% [Feb 25%]
    Declutter 50 items before 31.03.17 08/50 ** LSDs Target 10 for March 04/10 **AFDs 11/20 ** Sales Target '17 £750 £70 so far
    **NSDs Target 10 for March 01/10
    • brizzledfw
    • By brizzledfw 20th Mar 17, 7:09 PM
    • 6,633 Posts
    • 31,673 Thanks
    brizzledfw
    Just about to start when Breathe Becomes Air!!

    I miss my old life too.
    I did not appreciate how lucky I was.
    Originally posted by beanielou
    Its a wonderful book..I loved it (and wept buckets too..)
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    March '17 Savings Rate Goal: 30% [Feb 25%]
    Declutter 50 items before 31.03.17 08/50 ** LSDs Target 10 for March 04/10 **AFDs 11/20 ** Sales Target '17 £750 £70 so far
    **NSDs Target 10 for March 01/10
    • Sun Addict
    • By Sun Addict 21st Mar 17, 7:11 PM
    • 3,628 Posts
    • 18,549 Thanks
    Sun Addict
    Dear Nosey Nellies - no I never found out about DD's secret admirer. He's not very proactive as nothing has happened since. So looks like I don't need to buy a hat after all. Will I ever get rid of her! One positive, she's a live in house and pet sitter when we go on holiday.

    Finally heard from the builder today, not looking good, he's just taken on a big barn conversion and doesn't think he'll be able to fit us in He will let me know for sure when he's spoken to the client. Bit disappointed as he seemed alright and Mr SA liked him. Plan B is friend's hubby is a builder and she said contact her if I get let down.
    Debt free date 31/01/15
    Virtual Sealed Pot £164.24
    Weight loss 1/5lbs
    March AFD 3/12 NSD 3/8
    Mr SA finally in remission December 2013
    • mummytogirls
    • By mummytogirls 23rd Mar 17, 7:09 PM
    • 4,894 Posts
    • 13,575 Thanks
    mummytogirls
    Oh booooo to the builder SA, hope he can manage to fit you in but you don't want him rushing your job. Hope all ok with you guys, not long until jolly hollies now xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £8453.84 - 02/02/17 - 63.50% paid off
    • Sun Addict
    • By Sun Addict 25th Mar 17, 6:24 AM
    • 3,628 Posts
    • 18,549 Thanks
    Sun Addict
    Yes I'm disappointed MTG and a bit miffed he didn't let me know before, he admitted he'd been avoiding contacting me. At least the re-mortgage is all in place now.

    It's been a really busy week, I've gone a bit free range with everything, spent too much, not kept an eye on finances, not really been sticking to budgets or counting my WW points.

    Another busy day today, Mr M delivery soon, then going to WW, straight on to hairdressers, then DS and family coming this afternoon. Got to crack on and get my cleaning done this morning. Must look at finances this weekend and get back on track.

    Watching Shop Well for Less on Thursday, where the man of the household spent a fortune on a car and tools, Mr SA declared "I think I should be spending more money and running up a credit card bill, everyone else does it". The thing is he wasn't joking
    This is what he'd be like if he could get out and about more, he'd be a nightmare, he loves spending.

    To be honest he's been really annoying me this week. He does absolutely nothing around the house other than leave crumbs and coffee stains and tread in mud everywhere. As soon as I get in from work he's asking about his dinner. My ankle/foot is still swollen and sore and I'm limited as to what I can do. So when I get home I'm cleaning, ironing, cooking, trying to fit in exercises and anything else that needs to be done. All in a limited amount of time as I need to go to bed at 9pm to be up at 5am. Then he has the cheek to say I don't pay enough attention to him! Moan, moan, moan

    Thank goodness only 2 more working days. I am so ready for this holiday.

    Hope everyone has a fab weekend - weather forecast sounds good
    Debt free date 31/01/15
    Virtual Sealed Pot £164.24
    Weight loss 1/5lbs
    March AFD 3/12 NSD 3/8
    Mr SA finally in remission December 2013
    • Moneywhizz
    • By Moneywhizz 25th Mar 17, 7:08 AM
    • 114 Posts
    • 412 Thanks
    Moneywhizz
    I read your diary but have never posted. Just can't help saying that it seems that you certainly have a difficult time with Mr SA. He seems to think you are his personal slave. I know he has been ill and is limited in his movement but I am sure there are some small things he could do to help you rather than adding to your workload. He comes across as very selfish and demanding and maybe it's time to change the way things are done around your house. You need to take care of yourself and have some time to relax. Hope you have a great holiday.
    • mummytogirls
    • By mummytogirls 25th Mar 17, 10:41 AM
    • 4,894 Posts
    • 13,575 Thanks
    mummytogirls
    Morning SA,

    Sounds like you've got a busy day ahead. Your bit about going free range really struck a chord with me... I've never realised but when I'm off on one with the money spending my calorie counting goes out the window!!!

    Men are such attention seekers aren't they!! My DH is the same, he reckons I don't pay him enough attention... rolls eyes ha xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £8453.84 - 02/02/17 - 63.50% paid off
    • Sun Addict
    • By Sun Addict 25th Mar 17, 3:55 PM
    • 3,628 Posts
    • 18,549 Thanks
    Sun Addict
    Thanks both.

    Moneywhizz you are right, he's become very selfish since his illness. I think he became used to having all the attention focused on him. I asked him if he would do odd housework jobs, nothing too taxing, that would help me out but he refused saying he wants to do men's jobs not women's - which is very sexist I think.

    Despite going free range with spending and WW points, have lost half a pound and after plucking up the courage to look at CC balance, it wasn't as bad as I thought and I've now cleared it.

    Every time we go on holiday I always end up buying last minute stuff I don't really need so maybe it's time to factor in a pre holiday spend budget. For instance on Monday I spent £40 on trousers and top to travel in. I always buy a new outfit to travel in, I don't know why, it's not like we'll get upgraded to First Class on a Thomas Cook flight is it. However I do need some new work trousers so they will come in after the holiday.

    Hair is done, cut and colour £50 which I think is very reasonable. DS and family were there when I got home, grandkids had decimated the house, so waste of time cleaning up this morning. It was chaos, the dog stole both of the baby's gingerbread men and there was soil from a plant all over the floor. DS bought me his usual bottle of Blossom Hill wine for Mother's Day - this is a standing joke in our family, he has bought me this every year since he was old enough to buy alcohol. He said he'd gone for white this year as a change from red. He had also bought a low alcohol one! Asked him what he was trying to say!
    Debt free date 31/01/15
    Virtual Sealed Pot £164.24
    Weight loss 1/5lbs
    March AFD 3/12 NSD 3/8
    Mr SA finally in remission December 2013
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 25th Mar 17, 8:22 PM
    • 7,804 Posts
    • 42,720 Thanks
    please-let-me-be-lucky
    Sorry to hear Mr SA is being awkward/annoying. Mr Lucky does the washing up and hoovering whenever possible, says it helps him feel less useless. Perhaps you could convince Mr SA to see it that way??

    Enjoy your wine Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in March - 0/5
    • JWPopps
    • By JWPopps 26th Mar 17, 6:36 PM
    • 142 Posts
    • 711 Thanks
    JWPopps
    Oh gosh, SA, you've had a right old time recently!

    I'm so sorry things can be difficult with Mr SA... I've never lived with my partner (in fact I actively avoid the possibility of living with my boyfriends!) but I know for a fact I wouldn't be able to cope with someone expecting me to run around after them when I'd already been at work all day. I can't abide those sexist attitudes of what is 'women's work' and what is 'men's work' - if you both live in the house then it is both of your responsibility! Maybe it would be different if you weren't working a different job all day as well.

    I really hope you have a fabulous holiday, you work very hard and you have been a total trooper about your ankle so you deserve it!!!
    CC 1 £780 / CC 2 £0.00 /
    Overdraft £0 / Loan £7,500
    Savings: £70/£1000

    PAYDBX 2017 - #19 : 23% paid 1932.17/8280
    • Sun Addict
    • By Sun Addict 26th Mar 17, 6:49 PM
    • 3,628 Posts
    • 18,549 Thanks
    Sun Addict
    Have had a nice relaxing day today and a bonus NSD which will be the last one of March. Lovely sunny day so sat in the garden and Mr SA and I drank the low alcohol wine which was quite nice actually. DD bought me a bottle of prosecco which I'm saving for Tuesday when I break up from work.

    Bought one of those water measuring bottles from WW yesterday it's fab but I am going to the loo like nobody's business! Drinking loads more water though which is good.

    Don't even have that Smonday feeling tonight, just two working days to go. Wanted to finish early Tuesday but have been drafted in last minute to take minutes of a meeting so will have to write them up before I finish. Hey ho.
    Debt free date 31/01/15
    Virtual Sealed Pot £164.24
    Weight loss 1/5lbs
    March AFD 3/12 NSD 3/8
    Mr SA finally in remission December 2013
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