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  • FIRST POST
    • Sun Addict
    • By Sun Addict 8th Mar 13, 8:30 AM
    • 4,542Posts
    • 26,567Thanks
    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 222
    • Hiddenidenity
    • By Hiddenidenity 10th Sep 17, 5:32 PM
    • 4,230 Posts
    • 26,358 Thanks
    Hiddenidenity
    Thats some amount of jobs done!

    Hope you get chance to have some time to relax too x
    DFW £1783.71/£7348.71 Rent Arrears £571.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Sun Addict
    • By Sun Addict 10th Sep 17, 7:49 PM
    • 4,542 Posts
    • 26,567 Thanks
    Sun Addict
    Meal plan done, soup made. All my meals pointed.

    The dog has been on the park and also for a walk round the block.

    Relaxation was a lovely soak in the bath with a glass of cava left over from last night.

    Mr SA has texted the painter about the hall and he will do it when it's been plastered.

    Achieved NSD 5/18 today
    Virtual Sealed Pot £671.22
    November NSD 5/12
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • Seasidegal58
    • By Seasidegal58 10th Sep 17, 8:51 PM
    • 1,084 Posts
    • 5,886 Thanks
    Seasidegal58
    Wow! You are really organised! Well done!

    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 11th Sep 17, 9:05 PM
    • 4,542 Posts
    • 26,567 Thanks
    Sun Addict
    Well that's Monday done.

    Small spend in Lidl on the way home from work. Planning a couple of NSDs now.

    Plasterer coming tomorrow to look at what needs doing.

    Had a go at one of the recipes from Jamie O's TV programme tonight - the courgette, lemon and mint linguine - it was really nice. Of course Mr SA wouldn't touch it with a barge pole, he had pie, chips and beans!

    Walked just short of 20k steps today plus 30 minutes session in work gym at lunchtime - cross trainer and weights.
    Virtual Sealed Pot £671.22
    November NSD 5/12
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • Seasidegal58
    • By Seasidegal58 11th Sep 17, 9:31 PM
    • 1,084 Posts
    • 5,886 Thanks
    Seasidegal58
    Your supper sounded lovely. Mind you so did Mr SA's pie, chips and beans!

    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!"
    • brizzledfw
    • By brizzledfw 11th Sep 17, 9:33 PM
    • 7,156 Posts
    • 34,736 Thanks
    brizzledfw
    I agree your dinner sounds great. Love that the house stuff is ticking over too

    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
    • JWPopps
    • By JWPopps 12th Sep 17, 9:03 AM
    • 253 Posts
    • 1,315 Thanks
    JWPopps
    Goodness me, SA, you're going to the gym, you're meal prepping, you're decorating... I'm exhausted even reading about it all haha!!
    Credit Card Debt: £572.37
    Loan Debt: £6,454.65
    Savings: £170



    [B]PAYDBX 2017 - #19 : 57% paid 4715/8280[/
    • Sun Addict
    • By Sun Addict 12th Sep 17, 8:41 PM
    • 4,542 Posts
    • 26,567 Thanks
    Sun Addict
    I feel much happier when I'm organised and on a mission JWP.

    Got another £20 voucher from work today for helping out with an event, doing well had £80 in the last few weeks

    Plasterer came to quote for hall, stairs, landing and DD's room. He reckons it'll be about a week's work - not going to be cheap!! Good news is he can fit us in before we go on holiday. Fortunately the rest of the house is ok plaster wise.

    Made a huge stir fry for my dinner tonight with loads of veg. We've got a chilli plant on the patio so picked two as they are quite small, nearly blew my head off!!! Mr SA had pork steak, roast potatoes and veg which he really enjoyed.

    NSD 6/18 today
    Virtual Sealed Pot £671.22
    November NSD 5/12
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • Hiddenidenity
    • By Hiddenidenity 12th Sep 17, 10:09 PM
    • 4,230 Posts
    • 26,358 Thanks
    Hiddenidenity
    You're doing amazing with the NSD!

    And your cooking sounds good!
    DFW £1783.71/£7348.71 Rent Arrears £571.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Seasidegal58
    • By Seasidegal58 12th Sep 17, 10:23 PM
    • 1,084 Posts
    • 5,886 Thanks
    Seasidegal58
    ..... and the vouchers are coming in handy!

    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 13th Sep 17, 8:49 PM
    • 4,542 Posts
    • 26,567 Thanks
    Sun Addict
    Halfway through the week already!

    Spend day today as paid for my Christmas meal with work £20 plus bread, bananas and cat food.

    Gym at lunchtime again

    Managed to get washing dry outside, hung it up in the covered area in the garden.

    Tonight's dinner was quorn chilli with homemade potato wedges for me, using up a bag of quorn mince been n the freezer for ages, two portions left over to freeze. Mr SA had beef chilli and chips - he would have chips with everything if he could!
    Virtual Sealed Pot £671.22
    November NSD 5/12
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • Seasidegal58
    • By Seasidegal58 14th Sep 17, 1:09 PM
    • 1,084 Posts
    • 5,886 Thanks
    Seasidegal58
    Tonight's dinner was quorn chilli with homemade potato wedges for me, using up a bag of quorn mince been n the freezer for ages, two portions left over to freeze. Mr SA had beef chilli and chips - he would have chips with everything if he could!
    Originally posted by Sun Addict

    Sounds really tasty! You've given me an idea - I've got a bag of soya mince languishing in my freezer! Cottage pie anyone?!

    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 14th Sep 17, 7:45 PM
    • 4,542 Posts
    • 26,567 Thanks
    Sun Addict
    NSD 7/18 today. Never achieved more than 8 in a month so pleased with this.

    Mr SA rang me at work today to say we'd run out of milk!! Told him to get on his scooter and fetch some. He then rang to say he'd picked up the wrong sort!! I wouldn't mind but I don't have milk! Funnily enough he managed to pick up 4 cans of beer with the milk, not the wrong sort of beer!

    On the way to work gym at lunchtime, I was going down the concrete spiral staircase when my knee just gave way and I fell down the stairs Fortunately I was holding onto the rail so just shocked no damage done, but dread to think what would've happened if I wasn't.

    Tonight's dinner is smoked haddock, leek and potato gratin and veg for me. Mr SA has chicken, potatoes and veg.

    Friday tomorrow
    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 14th Sep 17, 8:11 PM
    • 4,542 Posts
    • 26,567 Thanks
    Sun Addict
    Just realised the NSD sounded like a contradiction with Mr SA buying milk and beer. He's not included in the NSDs, I give him £10 a week so he's got cash for a paper or whatever he wants to buy in the week.
    Virtual Sealed Pot £671.22
    November NSD 5/12
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • beanielou
    • By beanielou 14th Sep 17, 8:27 PM
    • 48,510 Posts
    • 178,523 Thanks
    beanielou
    Eeek to your knee.
    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 14th Sep 17, 8:33 PM
    • 4,542 Posts
    • 26,567 Thanks
    Sun Addict
    It makes a change for me to have a fall and not Mr SA. Hopefully it was a one-off and not a downward spiral into old age and things "going"!!
    Virtual Sealed Pot £671.22
    November NSD 5/12
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • Hiddenidenity
    • By Hiddenidenity 14th Sep 17, 8:42 PM
    • 4,230 Posts
    • 26,358 Thanks
    Hiddenidenity
    Oh no be careful!

    Make sure you find time to take it easy some time too x
    DFW £1783.71/£7348.71 Rent Arrears £571.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 14th Sep 17, 9:28 PM
    • 8,340 Posts
    • 46,741 Thanks
    please-let-me-be-lucky
    Sorry to hear about your fall, hope you are ok Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in November 2/5
    Lbs lost 14.5/107.
    • mummytogirls
    • By mummytogirls 15th Sep 17, 6:54 PM
    • 5,544 Posts
    • 17,958 Thanks
    mummytogirls
    Oohhhh SA, the fall sounds nasty, Im glad you're ok.

    Have a lovely weekend xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6936.45 - 04/09/17 - 70.99% paid off
    • beanielou
    • By beanielou 15th Sep 17, 8:04 PM
    • 48,510 Posts
    • 178,523 Thanks
    beanielou
    Take care & have a lovely weekend
    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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