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  • FIRST POST
    • Sun Addict
    • By Sun Addict 8th Mar 13, 8:30 AM
    • 4,431Posts
    • 24,745Thanks
    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 £656.24
    October NSD 5/15
    Weight loss 0/7lbs
    Mr SA finally in remission December 2013
Page 230
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 5th Oct 17, 8:03 PM
    • 8,231 Posts
    • 45,617 Thanks
    please-let-me-be-lucky
    Enjoy every second- you deserve it Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in October 5/5
    Lbs lost 18/107.
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 5th Oct 17, 8:37 PM
    • 1,413 Posts
    • 3,774 Thanks
    HairyHandofDartmoor
    Sounds lovely SA, have a good time
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt at highest = £58,766
    Current debt = £16,234, Emergency Fund = £200
    Long Hauler No. 156 Spendaholics Anonymous No. 47
    • beanielou
    • By beanielou 5th Oct 17, 8:38 PM
    • 47,744 Posts
    • 173,255 Thanks
    beanielou
    Quick update while the hotel wifi is working. Fab smooth flight all the way here, not one bump. Flight only 3.5 hours so we were here just in time to catch the hotel lunch. It's very hot, a bit too hot for Mr SA, it's still hot and sunny right now -.time is same as UK for those who've never been here.

    We've been to this hotel before, I think this is our 4th time. It's cheap and cheerful, rooms and balconies are huge and it's in a fab location just minutes from the beach and main strip.

    Mr SA has got his scooter and because we've rented one several times before from this company he gave us a discount.

    Really feels like our second home here - love it
    Originally posted by Sun Addict
    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***
    • Seasidegal58
    • By Seasidegal58 5th Oct 17, 9:00 PM
    • 906 Posts
    • 4,770 Thanks
    Seasidegal58
    All sounding great - and good result on the scooter discount!

    Enjoy!
    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 Oct 17, 7:57 AM
    • 4,431 Posts
    • 24,745 Thanks
    Sun Addict
    Happy Saturday folks

    Had a relaxing day yesterday apart from going from shop to shop looking for a hat for Mr SA. He brought one with him but decided he wanted a straw one. He now only needs a leather bracelet, a man bag and a leather necklace with a Buddha on it. He also had a lilo on his list but decided against it.

    We sat round the hotel pool for a bit and Mr SA managed to get in the pool with the help of the lifeguard. After lunch Mr SA had his siesta and I sat on the balcony reading.

    Today the plan is to go to the harbour where ther's a huge market on Saturdays then investigate the new cocktail bar that's opened at the shopping centre. There's a huge Zara here, everything much cheaper than the UK so will be worth a look.

    Hope everyone is well
    Virtual Sealed Pot £656.24
    October NSD 5/15
    Weight loss 0/7lbs
    Mr SA finally in remission December 2013
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 7th Oct 17, 8:04 AM
    • 8,231 Posts
    • 45,617 Thanks
    please-let-me-be-lucky
    to Mr SA's shopping list. Reminds me of someone I know ....

    Hope you match him item for item in Zara .

    Have a fab day Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in October 5/5
    Lbs lost 18/107.
    • beanielou
    • By beanielou 7th Oct 17, 1:09 PM
    • 47,744 Posts
    • 173,255 Thanks
    beanielou
    Enjoy the cocktails.
    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 7th Oct 17, 3:27 PM
    • 1,413 Posts
    • 3,774 Thanks
    HairyHandofDartmoor
    Happy Saturday folks

    Had a relaxing day yesterday apart from going from shop to shop looking for a hat for Mr SA. He brought one with him but decided he wanted a straw one. He now only needs a leather bracelet, a man bag and a leather necklace with a Buddha on it. He also had a lilo on his list but decided against
    Originally posted by Sun Addict
    I love your holiday posts SA
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt at highest = £58,766
    Current debt = £16,234, Emergency Fund = £200
    Long Hauler No. 156 Spendaholics Anonymous No. 47
    • Hiddenidenity
    • By Hiddenidenity 7th Oct 17, 3:50 PM
    • 5,064 Posts
    • 23,156 Thanks
    Hiddenidenity
    Bit slow you're already there But have an amazing time and make sure you get time to relax too x
    DFW £1388.71/£7348.71 Rent Arrears £511.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Purplebonnie
    • By Purplebonnie 8th Oct 17, 7:56 AM
    • 89 Posts
    • 549 Thanks
    Purplebonnie
    Sounds like you are having a fab time, so lovely to have a bit of warmth. Enjoy
    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 8th Oct 17, 8:23 AM
    • 4,431 Posts
    • 24,745 Thanks
    Sun Addict
    Didn't buy anything from Zara, must have tried on 20 coats. They just don't look right with a sundress and flip flops. Plus it was so hot. Think I'll wait until I get home.

    Neither did we have a cocktail. We ended up with a sangria and beer in a bar we like, then we had lunch there too. Really going all inclusive was a waste of money, there's just too many nice places to eat/drink here. Mr SA has spotted a real ale/burger restaurant. They brew their own ale.

    Can't believe how well I'm sleeping, not waking up until 7am! Must be a combination of being outdoors all day and red wine
    Virtual Sealed Pot £656.24
    October NSD 5/15
    Weight loss 0/7lbs
    Mr SA finally in remission December 2013
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 8th Oct 17, 3:18 PM
    • 1,413 Posts
    • 3,774 Thanks
    HairyHandofDartmoor
    And because you're feeling relaxed because you're on holiday
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt at highest = £58,766
    Current debt = £16,234, Emergency Fund = £200
    Long Hauler No. 156 Spendaholics Anonymous No. 47
    • beanielou
    • By beanielou 8th Oct 17, 7:23 PM
    • 47,744 Posts
    • 173,255 Thanks
    beanielou
    Glad you are sleeping so well
    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 Oct 17, 7:23 AM
    • 4,431 Posts
    • 24,745 Thanks
    Sun Addict
    Hola

    Still pitch black here. Just having a coffee, Mr SA still fast asleep, snoring. Wifi in hotel is rubbish, despite paying €20 for the week, this is about the only time of day you can get on it and then only for a short time.

    Mr SA lost a filling last night and the fuss he's making about it you'd think all his teeth had fallen out!! He bought a skull leather pendant yesterday as he couldn't find a Buddha. Now it's the hunt for a bracelet!

    Missing the dog and cat but have phoned DD and they are fine. DD is clearing her room and has bought herself a desk - black - I hate black furniture it just gets covered in dust!

    Nothing else to report, weather still hot and sunny. Going to enjoy our last three days here as we won't be back until April.
    Virtual Sealed Pot £656.24
    October NSD 5/15
    Weight loss 0/7lbs
    Mr SA finally in remission December 2013
    • beanielou
    • By beanielou 9th Oct 17, 7:29 AM
    • 47,744 Posts
    • 173,255 Thanks
    beanielou
    Not much difference between a skull and a Buddha
    Enjoy the time you have left.
    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***
    • *Robin*
    • By *Robin* 9th Oct 17, 10:29 AM
    • 3,185 Posts
    • 12,704 Thanks
    *Robin*
    Not much difference between a skull and a Buddha
    Originally posted by beanielou
    ?!!

    Make the most of the sunshine, Sun.A - it's subsiding into autumnal gloom back at home..
    • Seasidegal58
    • By Seasidegal58 9th Oct 17, 11:09 AM
    • 906 Posts
    • 4,770 Thanks
    Seasidegal58
    Holiday sounding great SA! Love to you and Keith Richards!

    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 9th Oct 17, 7:13 PM
    • 47,744 Posts
    • 173,255 Thanks
    beanielou
    ?!!

    Make the most of the sunshine, Sun.A - it's subsiding into autumnal gloom back at home..
    Originally posted by *Robin*
    Mr SA originally wanted a budddha necklace but settled for a skull one!
    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 9th Oct 17, 7:23 PM
    • 1,413 Posts
    • 3,774 Thanks
    HairyHandofDartmoor
    Not much difference between a skull and a Buddha
    Enjoy the time you have left.
    Originally posted by beanielou
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt at highest = £58,766
    Current debt = £16,234, Emergency Fund = £200
    Long Hauler No. 156 Spendaholics Anonymous No. 47
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 9th Oct 17, 7:24 PM
    • 1,413 Posts
    • 3,774 Thanks
    HairyHandofDartmoor
    Holiday sounding great SA! Love to you and Keith Richards!

    SSG x
    Originally posted by Seasidegal58
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt at highest = £58,766
    Current debt = £16,234, Emergency Fund = £200
    Long Hauler No. 156 Spendaholics Anonymous No. 47
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