Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • Sun Addict
    • By Sun Addict 8th Mar 13, 8:30 AM
    • 4,761Posts
    • 28,382Thanks
    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 2018 £20.70
    December 3 NSD
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
Page 228
    • missymoo81
    • By missymoo81 1st Oct 17, 8:12 AM
    • 5,748 Posts
    • 19,861 Thanks
    missymoo81
    Ahhhh sunaddict. Poor you, you must be so tired, I really hope you don't get the sickness!
    • brizzledfw
    • By brizzledfw 1st Oct 17, 9:44 AM
    • 7,159 Posts
    • 34,775 Thanks
    brizzledfw
    Hope you both feel better soon. You made me laugh about the painting..
    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
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 1st Oct 17, 9:59 AM
    • 2,303 Posts
    • 11,238 Thanks
    HairyHandofDartmoor
    Sorry to hear about Mr SA being unwell and hope you don't catch it.
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 October 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund
    Emergency Fund 1 = £818/Emergency Fund 2 = £203.76
    • Sun Addict
    • By Sun Addict 1st Oct 17, 11:49 AM
    • 4,761 Posts
    • 28,382 Thanks
    Sun Addict
    Mr SA still in bed feeling rough but I'm ok. He's moaning about not being able to paint today but I think it's a blessing in disguise.

    Should be NSD 1/15 today, no plans to go anywhere other than walk the dog.

    So glad I made the decision to break up from work last Friday instead of Tuesday. Going to pack the holiday toiletries tomorrow then if I need to buy anything I can pick it up on Wednesday when I go to have my nails done. Hoping for a nice relaxing day today just pottering and reading my book.
    Virtual Sealed Pot 2018 £20.70
    December 3 NSD
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • beanielou
    • By beanielou 1st Oct 17, 1:08 PM
    • 49,085 Posts
    • 182,355 Thanks
    beanielou
    Glad you seem ok.
    Have a lovely pottering Sunday
    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 1st Oct 17, 1:46 PM
    • 5,632 Posts
    • 18,575 Thanks
    mummytogirls
    Oh no to the sickness SA, really hope you don't get it. There's a lot of it going around where we live xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6936.45 - 04/09/17 - 70.99% paid off
    • Sun Addict
    • By Sun Addict 1st Oct 17, 2:56 PM
    • 4,761 Posts
    • 28,382 Thanks
    Sun Addict
    Mr SA is talking about having roast pork for his dinner tonight so must be feeling better.

    Just took the dog out again, we walked round the local streets, it's so quiet today, like a ghost town, hardly anyone about.

    Made a list of everything in the freezer and a meal plan to take us up to holiday.

    Mr SA's scooter has been booked to be delivered to the hotel Thursday afternoon.

    Weather has been gloomy all day but mild and mostly dry.

    And last but not least NSD 1/15
    Virtual Sealed Pot 2018 £20.70
    December 3 NSD
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • Sun Addict
    • By Sun Addict 1st Oct 17, 6:27 PM
    • 4,761 Posts
    • 28,382 Thanks
    Sun Addict
    Just a quick update to say, after spending all day in bed watching F1 and the Blaze channel, Mr SA is up and drinking beer. So he can't be that bad!

    No work tomorrow - happy days
    Virtual Sealed Pot 2018 £20.70
    December 3 NSD
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • beanielou
    • By beanielou 1st Oct 17, 7:15 PM
    • 49,085 Posts
    • 182,355 Thanks
    beanielou
    Happy days indeed

    Is Mr SA's scooter a Mobility one or did you buy it?
    Apologies if I have asked this before.
    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 2nd Oct 17, 7:47 AM
    • 4,761 Posts
    • 28,382 Thanks
    Sun Addict
    Beanie it's on Motability. Didn't want to buy one outright as he doesn't look after it and it's forever going in for repair which is included in the scheme. For holidays he hires one in resort.

    Mr SA still not 100%. He's feeling sorry for himself and announced "what's happening to me". Told him it's just a bug for goodness sake! To say how poorly he was 4 years ago, and how he miraculously recovered, he's such a wimp with little things like this. Man flu!!

    Just watching the news and the awful shootings in Las Vegas
    Virtual Sealed Pot 2018 £20.70
    December 3 NSD
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • JWPopps
    • By JWPopps 2nd Oct 17, 11:41 AM
    • 266 Posts
    • 1,416 Thanks
    JWPopps
    I know, the news is horrible isn't it? Oh I'm sorry Mr SA is ill, although yes I think it probably is a blessing in disguise if it means no more paint on your coat!!
    Credit Card Debt: £720
    Loan Debt: £6,100
    Savings: £30



    [B]PAYDBX 2017 - #19 : 80% paid 6624/8280[/
    • Sun Addict
    • By Sun Addict 2nd Oct 17, 1:04 PM
    • 4,761 Posts
    • 28,382 Thanks
    Sun Addict
    The skip arrived this morning and we more or less filled it in 30 minutes! Left enough room for DD's junk but will probably need another one after holiday. I don't know where all the rubbish comes from! Mr SA won't let me put a growbag of grass in there as he's saving it!!!!

    In the process of tidying up the garden ready for winter so no painting today.

    Packed my holiday toiletries, will need a few bits but will get them on Wednesday.

    So today should be NSD 2/15 That will be it for a while though.
    Virtual Sealed Pot 2018 £20.70
    December 3 NSD
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • mummytogirls
    • By mummytogirls 2nd Oct 17, 9:40 PM
    • 5,632 Posts
    • 18,575 Thanks
    mummytogirls
    Sounds like youve had a busy day SA, you can chill in a few days on hols

    Hope Mr SA is feeling ok xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6936.45 - 04/09/17 - 70.99% paid off
    • Sun Addict
    • By Sun Addict 2nd Oct 17, 9:48 PM
    • 4,761 Posts
    • 28,382 Thanks
    Sun Addict
    Normally in bed at this time on a Monday. No work tomorrow so making the most of it. Flagging a bit though.

    Mr SA a lot better, he's had scampi and chips tonight, although has been asleep all afternoon.

    Got a small Mr M shop coming tomorrow, mainly food for DD and the fur babies.

    Two days until holiday, 30 degrees there right now
    Virtual Sealed Pot 2018 £20.70
    December 3 NSD
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • Purplebonnie
    • By Purplebonnie 3rd Oct 17, 8:23 AM
    • 89 Posts
    • 577 Thanks
    Purplebonnie
    The next two days will be the longest waiting for your holiday! I am green with envy, the sunshine will be lovely. Enjoy your day off
    September 2017 Total Debt £37188.89 / DFD 01/05/22
    October 2017 Debt £36149.48 / DFD 01/04/22
    Extra Payments : 0.1% = £37.19 Total paid 0.3%
    MBNA - £5350.73

    October Food Budget : £200/£114.94 Extra Income £100 /£81.06
    SFD : 8/31 Weight Loss (Goal 8lbs) :
    • Sun Addict
    • By Sun Addict 3rd Oct 17, 10:59 AM
    • 4,761 Posts
    • 28,382 Thanks
    Sun Addict
    There's always a last minute stressful thing - this time it's the chemist not got Mr SA's meds ready, can find no trace of them!!!!! Asked when I ordered them - it's a repeat prescription, was ordered 4 years ago!!!! Trying to ring doctors to find out what's happened but I'm forever number 5 in the queue - grr

    Mr SA wants to paint today, say no more
    Virtual Sealed Pot 2018 £20.70
    December 3 NSD
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • beanielou
    • By beanielou 3rd Oct 17, 11:07 AM
    • 49,085 Posts
    • 182,355 Thanks
    beanielou
    No to painting
    Boo to missing repeat.
    Hope they sort it out.
    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 3rd Oct 17, 1:49 PM
    • 4,761 Posts
    • 28,382 Thanks
    Sun Addict
    Very helpful Dr's receptionist has put it through as urgent, got to ring back at 4pm.

    Who knew I could paint Done a very good job if I do say so myself. And no splashes! Only part of a wall to do now then it's just the woodwork. Tempted to finish it tomorrow.

    I keep a bottle of distilled water with a drop of zoflora in for ironing. I took a swig of it by mistake thought it was my water bottle Can't get the taste out of my mouth.
    Virtual Sealed Pot 2018 £20.70
    December 3 NSD
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • beanielou
    • By beanielou 3rd Oct 17, 2:33 PM
    • 49,085 Posts
    • 182,355 Thanks
    beanielou
    Yes for helpful receptionists.
    EEk to the wrong water bottle.
    Hope the taste goes away soon.
    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***
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 3rd Oct 17, 5:33 PM
    • 2,303 Posts
    • 11,238 Thanks
    HairyHandofDartmoor
    At least Mr SA won't be able to paint while you're on holiday

    Hope you get the meds sorted today, that kind of thing always seems to happen just before you go away !
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 October 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund
    Emergency Fund 1 = £818/Emergency Fund 2 = £203.76
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

2,747Posts Today

7,816Users online

Martin's Twitter