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  • FIRST POST
    • Sun Addict
    • By Sun Addict 8th Mar 13, 8:30 AM
    • 4,575Posts
    • 26,804Thanks
    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.
    Virtual Sealed Pot £671.22
    November NSD 5/12
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
Page 212
    • brizzledfw
    • By brizzledfw 5th Jul 17, 7:40 AM
    • 7,156 Posts
    • 34,744 Thanks
    brizzledfw
    Just catching up!! Wow!! You're doing brilliantly. Managing steps, to cook out of a non existent kitchen and (vaguely ) keep Mr SA out of mischief safe and fed!! Sounds wonderful. Do share some photos when it's done

    Coffee like that is a wonderful part of summer isn't it. I am shattered today alarm went at 5:15. But waking up now. No caffeine as yet today.. will change that the minute I get into work!!

    Have a good day x
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 200 items before 31.01.18 xx/200 ** LSDs Target 10 for Winter 0x/10 **AFDs xx/15 ** Sales Target '17 £750 £225 so far
    **NSDs Target 10 for Winter xx/10 Trying to be a Frugalista
    • Sun Addict
    • By Sun Addict 5th Jul 17, 8:48 PM
    • 4,575 Posts
    • 26,804 Thanks
    Sun Addict
    Thanks Brizzle

    So today the bath, sink and vanity unit are in and we have water in the bathroom now. The boiler was working long enough for me to wash my hair and have a quick bath. Then DD came home from work, announced there was no hot water, I checked the boiler and the water pressure was too low. Rang the builder, he will sort tomorrow. Had a bit of a spat with DD as she said I see you managed to get a bath as if I'd run all the hot water off!!!!

    The builder ran us to B&Q for bathroom tiles, paint, etc. The bathroom will be half tiled the rest painted. I went for neutral colour tiles, was going to pick a neutral paint, then saw a bright green-blue and decided to go for that, inject some colour.

    Mr SA fed up of building works now - I am too. Can't imagine it ever being finished.
    Virtual Sealed Pot £671.22
    November NSD 5/12
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • beanielou
    • By beanielou 5th Jul 17, 8:56 PM
    • 48,560 Posts
    • 178,860 Thanks
    beanielou
    Great progress today SA
    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***
    • mummytogirls
    • By mummytogirls 6th Jul 17, 7:14 PM
    • 5,561 Posts
    • 18,065 Thanks
    mummytogirls
    Bathroom sounds lovely SA. Hope you got the pressure sorted on the boiler xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6936.45 - 04/09/17 - 70.99% paid off
    • Sun Addict
    • By Sun Addict 6th Jul 17, 8:29 PM
    • 4,575 Posts
    • 26,804 Thanks
    Sun Addict
    Boiler sorted this morning, it was an air lock in the towel rail. DD finally got her bath!

    Today's progress is new flat roof over kitchen extension.

    I think I might ask the builder if he knows a painter who can do the bathroom as I'd hate to get paint on the new suite/tiles. Would be nice to have it done properly.

    I got a £20 gift voucher from work today as a thanks for the London note taking

    Tonight's dinner was microwave meals - beef hotspot for Mr SA and Thai veg curry for me.
    Virtual Sealed Pot £671.22
    November NSD 5/12
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • beanielou
    • By beanielou 6th Jul 17, 8:30 PM
    • 48,560 Posts
    • 178,860 Thanks
    beanielou
    Good idea re painter I think
    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***
    • brizzledfw
    • By brizzledfw 6th Jul 17, 9:22 PM
    • 7,156 Posts
    • 34,744 Thanks
    brizzledfw
    Agree. You look after yourself SA... x
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 200 items before 31.01.18 xx/200 ** LSDs Target 10 for Winter 0x/10 **AFDs xx/15 ** Sales Target '17 £750 £225 so far
    **NSDs Target 10 for Winter xx/10 Trying to be a Frugalista
    • Sun Addict
    • By Sun Addict 7th Jul 17, 8:51 PM
    • 4,575 Posts
    • 26,804 Thanks
    Sun Addict
    I'm on a roll - another £20 voucher from work, also for the note taking in London Saving the vouchers for 11 August when I've got the day off and meeting friends for lunch, bit of a shopping trip beforehand

    Today's progress is lights in bathroom and back door completely bricked up.

    Planning a trip to the launderette tomorrow - living the high life, don't get jealous LOL.

    Mr SA fell over some bricks today, rang me at work to say he'd dislocated his shoulder - he hadn't!
    Virtual Sealed Pot £671.22
    November NSD 5/12
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • Sun Addict
    • By Sun Addict 7th Jul 17, 9:56 PM
    • 4,575 Posts
    • 26,804 Thanks
    Sun Addict
    Must be crazy but have just agreed to friend of DD staying "for one night only" after being thrown out. Hope they realise they will be staying on building site, hope they are well behaved. Hate the thought of someone being out on the streets but then you think what have they done. I thought she mentioned the word "he".

    On the plus side she is now frantically tidying her room.
    Virtual Sealed Pot £671.22
    November NSD 5/12
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • UncannyScot
    • By UncannyScot 8th Jul 17, 1:55 PM
    • 746 Posts
    • 4,489 Thanks
    UncannyScot
    Having been "on the streets" you may have saved their life... regardless of what they may or may not have done, you have provided safety and shelter. I am sure DD wouldn't offer to someone that she felt she couldn't trust either.

    When I was on the streets I endured several attempts to rob me of the little that I had. Thankfully I was and am able to defend myself and I did not lose anything to my attackers (can't say they didn't lose anything though... )
    I was lucky though, after a few months friends put me up and I slowly got myself back together again...

    You are a lovely person SA and you are doing a very good thing (DD too ;D )
    BUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
    It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
    R.I.P. T.P.
    • Sun Addict
    • By Sun Addict 8th Jul 17, 8:29 PM
    • 4,575 Posts
    • 26,804 Thanks
    Sun Addict
    Lovely words Uncanny Scot. So pleased you got yourself sorted.

    Not entirely sure the mystery person had been thrown out - they arrived in a car rather similar to the one DD's mystery date turned up in a few weeks ago. He also left this morning so obviously had somewhere to go. Wonder if it was a ruse to get boyfriend to stay. I'd rather she told me the truth, I wouldn't mind if she had her bloke to stay, she is 30 after all. On the plus side she washed the pots that had been stacking up in her room and changed the bed linen in preparation.

    Been to the launderette today, had 4 machines on the go. Piled Mr SA's scooter up with bags of clothes. Weighed a tonne! Took the dog with us and sat outside Costa while we waited. Got everything dry, most of it ironed

    Mr SA broke my Saturday night wine glass He is so careless, didn't even apologise just said get another one.
    Virtual Sealed Pot £671.22
    November NSD 5/12
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • beanielou
    • By beanielou 9th Jul 17, 2:47 PM
    • 48,560 Posts
    • 178,860 Thanks
    beanielou
    My bad.
    Am laughing at the story of the mystery lodger.
    Boo to the wine glass though
    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***
    • Sun Addict
    • By Sun Addict 9th Jul 17, 7:51 PM
    • 4,575 Posts
    • 26,804 Thanks
    Sun Addict
    Unbelievably have been to the launderette again today. Washing basket more or less empty now though. Killed four birds with one stone as was also a good walk for dog, an Aldi shop and meant I'd clocked up 10,000 steps before lunchtime. Couldn't believe it when we got home and Mr SA was asking about lunch.

    DGD's 3rd birthday today. They got back from Wells Friday straight to hospital with her as she'd come down with bad tummy bug. After spending all night at hospital, she's now ok. Tomorrow they are at hospital with DGS as he has a lump on his head that won't go. Been there, done that, oh the joys of small children!

    Stumbled across letter reminding me Mr SA has brain scan this Tuesday!! I'd not realised it was so soon.

    Hope everyone has had a good weekend.
    Virtual Sealed Pot £671.22
    November NSD 5/12
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • Sun Addict
    • By Sun Addict 10th Jul 17, 8:53 PM
    • 4,575 Posts
    • 26,804 Thanks
    Sun Addict
    Today's progress is kitchen ceiling now plastered and bathroom is partly tiled. No sign of kitchen fitter though. Really fed up of the mess now.

    DGS's lump is a cyst on a bone which will be left for now maybe removed later.
    Virtual Sealed Pot £671.22
    November NSD 5/12
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 10th Jul 17, 9:21 PM
    • 8,351 Posts
    • 46,846 Thanks
    please-let-me-be-lucky
    Poor DGS, doesn't sound nice .

    Hope kitchen gets sorted soon Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in November 2/5
    Lbs lost 14.5/107.
    • beanielou
    • By beanielou 10th Jul 17, 9:57 PM
    • 48,560 Posts
    • 178,860 Thanks
    beanielou
    Boo to the kitchen fitter
    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***
    • Sun Addict
    • By Sun Addict 12th Jul 17, 8:31 PM
    • 4,575 Posts
    • 26,804 Thanks
    Sun Addict
    Mr SA had his 6 monthly MRI brain scan last night. He was very wobbly when he came out and had to sit down for a while. Took him for a pub meal on the way home which he enjoyed. Very expensive night though with taxi fares and food.

    We now have a kitchen fitter, the kitchen is being delivered next Wednesday and will be fitted by the weekend. Feel more positive now I've got an end to the hell date

    Shower is now up and running but the shower screen is about 3 inches too short and the shower just hits the side of the bath and goes on the floor. Have complained and the plumber is meant to be putting right. I'm rather annoyed as I particularly asked for a bigger shower screen for this reason.

    I feel like I'm moaning at times but I'm paying good money for this, having remortgaged for the next 7 years, and it needs to be right.

    Mr SA had a nasty fall this morning and has hurt both knees which are swollen and bruised.

    I was starting to think maybe we shouldn't have booked the August holiday to Ibiza as the money would be better spent on the house, especially as we're going to Lanzarote in October. However, I am so stressed by the building work I think I need to get away ASAP.
    Virtual Sealed Pot £671.22
    November NSD 5/12
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • beanielou
    • By beanielou 12th Jul 17, 8:45 PM
    • 48,560 Posts
    • 178,860 Thanks
    beanielou
    Boo to OH falling.
    Must be the day for it as i had a spectacular one today

    Boo to shower screen
    As you say not good enough.
    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***
    • UncannyScot
    • By UncannyScot 12th Jul 17, 8:52 PM
    • 746 Posts
    • 4,489 Thanks
    UncannyScot
    Poor Mr SA hope he heals up quickly.

    Poor show on the shower screen fitting, very shoddy that...
    BUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
    It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
    R.I.P. T.P.
    • amber03
    • By amber03 12th Jul 17, 9:13 PM
    • 784 Posts
    • 4,586 Thanks
    amber03
    We had building work done last year, everything went smoothly but I was so glad when it had ended. For me it was getting rid of the skip that was on the drive it took about ten phone calls and six weeks after the building work had finished for it to be removed. Just the sight of it could bring me to tears. It will be worth it in the end but just like me you won't be in a hurry to have anymore work done on the house.��
    Debtfree and and staying that way.
    £1000 Emergency fund No.112 £106.25


    WOMBLER 2017 NO. 5 £7.20
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