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  • FIRST POST
    • Sun Addict
    • By Sun Addict 8th Mar 13, 8:30 AM
    • 4,612Posts
    • 26,306Thanks
    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 4/12
    Weight loss 1/7lbs
    Mr SA finally in remission December 2013
Page 221
    • Sun Addict
    • By Sun Addict 6th Sep 17, 7:47 PM
    • 4,612 Posts
    • 26,306 Thanks
    Sun Addict
    No SSG - after DD's room it's ours, then the hall and stairs, living room and dining room. It never ends! Got some money left in the renovation pot though so all covered money wise.

    NSD 3/18 today. Doing really well on the September Scrimping challenge, keeping me motivated. Walked to work and back plus gym at lunchtime.

    If Mr SA knew I was doing the challenge he'd try his hardest to sabotage it, he hates anything that involves not spending.
    Virtual Sealed Pot £671.22
    November NSD 4/12
    Weight loss 1/7lbs
    Mr SA finally in remission December 2013
    • Seasidegal58
    • By Seasidegal58 6th Sep 17, 9:47 PM
    • 1,074 Posts
    • 5,754 Thanks
    Seasidegal58
    Your place will look like a palace when you have finished! Won't it be lovely!

    Do you think Mr SA has turned to spending for something to fill his time since he's not working?

    SSG x
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    My debt free diary - " Paid off the £31,000 - BUT still scrimping!"
    • Sun Addict
    • By Sun Addict 7th Sep 17, 7:36 PM
    • 4,612 Posts
    • 26,306 Thanks
    Sun Addict
    No SSG he's always been the same. He was worse when he was working that's how we got into debt, he's always been a big fan of bunging it on the credit card.

    Tempted by Mr M sending me £10 of £100 spend, added more to my weekly shop than I usually would, especially as I get 10% staff discount courtesy of DD. However, for £83 have got loads and next week's bill should a lot cheaper. One thing I added was a veg box for £5 which is absolutely brilliant - onions, potatoes, swede, leeks, courgettes, cabbage and cauliflower - all really fresh and great quality, would get one again. Hark at me getting excited about a box of veg - rock 'n roll

    Holiday tickets arrived today

    Friday tomorrow
    Virtual Sealed Pot £671.22
    November NSD 4/12
    Weight loss 1/7lbs
    Mr SA finally in remission December 2013
    • mummytogirls
    • By mummytogirls 7th Sep 17, 8:47 PM
    • 5,618 Posts
    • 17,910 Thanks
    mummytogirls
    Not heard of Mr M's doing veg boxes SA.

    The weekend is in touching distance xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6936.45 - 04/09/17 - 70.99% paid off
    • redofromstart
    • By redofromstart 7th Sep 17, 8:58 PM
    • 510 Posts
    • 2,702 Thanks
    redofromstart
    I hadn't either but had a quick look online, winter seasonal veg box. Looks good SA.
    • Seasidegal58
    • By Seasidegal58 7th Sep 17, 9:11 PM
    • 1,074 Posts
    • 5,754 Thanks
    Seasidegal58
    That veg box sounds really brill and such good value! Lots of nice ingredients for your soups SA!

    SSG x.
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    My debt free diary - " Paid off the £31,000 - BUT still scrimping!"
    • beanielou
    • By beanielou 7th Sep 17, 9:18 PM
    • 48,483 Posts
    • 178,332 Thanks
    beanielou
    Envious of the veg box.
    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 8th Sep 17, 3:29 PM
    • 7,156 Posts
    • 34,729 Thanks
    brizzledfw
    yep that sounds good Our one is organic but twice the price.

    Glad alls good in the SA household..a little room for another on the next holiday??
    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
    • beanielou
    • By beanielou 8th Sep 17, 6:51 PM
    • 48,483 Posts
    • 178,332 Thanks
    beanielou
    yep that sounds good Our one is organic but twice the price.

    Glad alls good in the SA household..a little room for another on the next holiday??
    Originally posted by brizzledfw
    Pushes brizzled out of the way
    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 8th Sep 17, 7:16 PM
    • 4,612 Posts
    • 26,306 Thanks
    Sun Addict
    I used to have the organic veg boxes delivered, they used to leave them outside in a black plastic sack sweating all day. Then there was the excess of beetroot - so stopped having them. Anyway I'm still admiring this box

    NSD 4/18 today Don't usually manage this many in an average month so well chuffed.

    Gym at lunchtime today

    Going to brave the scales at WW tomorrow, can't keep putting it off

    Mr SA has made a start on stripping the bedroom, he's done one wall. Between us we should get it done this weekend. DD hasn't done her room, didn't think she would - her room can go to the back of the queue if she can't be bothered.
    Virtual Sealed Pot £671.22
    November NSD 4/12
    Weight loss 1/7lbs
    Mr SA finally in remission December 2013
    • beanielou
    • By beanielou 8th Sep 17, 7:21 PM
    • 48,483 Posts
    • 178,332 Thanks
    beanielou
    Quite right re DD's room.
    Did you ever discover more about the mystery man?
    Asks nosey nellie.
    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 8th Sep 17, 8:03 PM
    • 4,612 Posts
    • 26,306 Thanks
    Sun Addict
    No - I reckon he's someone she met through this gaming thing she's obsessed with, it's all she ever does. No such luck it would be someone who would take her off our hands.
    Virtual Sealed Pot £671.22
    November NSD 4/12
    Weight loss 1/7lbs
    Mr SA finally in remission December 2013
    • Seasidegal58
    • By Seasidegal58 8th Sep 17, 8:15 PM
    • 1,074 Posts
    • 5,754 Thanks
    Seasidegal58
    It's good that Mr SA has found something to occupy himself with.

    Well done as well with the NSDs!

    SSG x
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    My debt free diary - " Paid off the £31,000 - BUT still scrimping!"
    • mummytogirls
    • By mummytogirls 8th Sep 17, 8:15 PM
    • 5,618 Posts
    • 17,910 Thanks
    mummytogirls
    Sounds like you've had a productive day SA.

    Totally agree re DD's bedroom xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6936.45 - 04/09/17 - 70.99% paid off
    • Sun Addict
    • By Sun Addict 10th Sep 17, 7:54 AM
    • 4,612 Posts
    • 26,306 Thanks
    Sun Addict
    Good morning folks

    Ended up not going to WW - needed to go to Aldi first thing then get on with wallpaper stripping (that's my excuse and I'm sticking to it!).

    Bedroom almost stripped, will finish off today. Ordered some paint from Wilko as too heavy to carry, wish I'd thought on to order all the paint we need to do the rest of the house while I was paying £4 delivery, never mind.

    Spent more than planned in Aldi, although got all my fruit for the week, Mr SA's meat and an Autumn planter for the patio which is lovely. This means I've already spent just over half my grocery budget for the month and there's still 20 days left - but do-able as have some good stocks in now.

    I'm going to sit and do a proper meal plan for next week with all my meals pointed for the week as really need to lose the holiday weight before the next one. Really don't want to have to start paying at WW need to be within my goal weight and I'm right on the edge right now.

    Also need to look at finances today to make sure they're on track.

    Hope everyone has a fab Sunday
    Virtual Sealed Pot £671.22
    November NSD 4/12
    Weight loss 1/7lbs
    Mr SA finally in remission December 2013
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 10th Sep 17, 7:59 AM
    • 8,333 Posts
    • 46,633 Thanks
    please-let-me-be-lucky
    Happy Sunday. Try to fit in a bit of relaxation time too Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in November 2/5
    Lbs lost 14.5/107.
    • Sun Addict
    • By Sun Addict 10th Sep 17, 10:46 AM
    • 4,612 Posts
    • 26,306 Thanks
    Sun Addict
    Thanks Lucky - managed a very long read of my book with a coffee this morning courtesy of Mr SA and the dog not getting up until late and the cat sitting on my knee preventing me from moving

    Finances done, everything reconciled. CC cleared only £46.49 balance to pay off this week so balance is now £0. Shaved off an oddment from one account into VSP which now stands at £602.90.

    Today will be a NSD despite Mr SA asking if we could go to the shops after taking the dog on the park. The answer was NO
    Virtual Sealed Pot £671.22
    November NSD 4/12
    Weight loss 1/7lbs
    Mr SA finally in remission December 2013
    • mummytogirls
    • By mummytogirls 10th Sep 17, 10:49 AM
    • 5,618 Posts
    • 17,910 Thanks
    mummytogirls
    Have a lovely Sunday SA xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6936.45 - 04/09/17 - 70.99% paid off
    • Sun Addict
    • By Sun Addict 10th Sep 17, 2:47 PM
    • 4,612 Posts
    • 26,306 Thanks
    Sun Addict
    Finished stripping the bedroom. Luckily we can get away with not having it plastered, the walls are ok. Unbelievably DD has almost done hers too. I thought it would spur her on thinking she was going to the back of the queue.

    Mr SA has relented, despite protests that it doesn't need it, to having the hall plastered. He's going to ring the plasterer tomorrow. Unfortunately the walls in the hall are awful. I want the painter to paint the hall too as it's too difficult (and dangerous!) for us.

    Have cleaned the whole house as didn't get time yesterday. Just got to do the meal plan and make my soup for next week now.
    Virtual Sealed Pot £671.22
    November NSD 4/12
    Weight loss 1/7lbs
    Mr SA finally in remission December 2013
    • beanielou
    • By beanielou 10th Sep 17, 5:14 PM
    • 48,483 Posts
    • 178,332 Thanks
    beanielou
    I wish I had half of your energy.Or even a quarter.
    Good werk
    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***
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