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  • FIRST POST
    • Sun Addict
    • By Sun Addict 8th Mar 13, 8:30 AM
    • 4,734Posts
    • 28,202Thanks
    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 248
    • fay66
    • By fay66 30th Nov 17, 12:01 AM
    • 665 Posts
    • 1,581 Thanks
    fay66
    aw bless x
    Inland revenue £4500=
    Loan £2610
    Pay day loans - 135+600+300+300
    Credit card 1 - 5186
    CC2 -1038
    CC3 - 548 cc4 234
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 30th Nov 17, 1:45 AM
    • 8,400 Posts
    • 47,242 Thanks
    please-let-me-be-lucky
    Any reason in particular that Mr SA felt the need to search your bag??!! Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in December 1/5
    Lbs lost 10/107.
    • Sun Addict
    • By Sun Addict 30th Nov 17, 5:59 PM
    • 4,734 Posts
    • 28,202 Thanks
    Sun Addict
    Hello Little Miss Winner and Fay

    Lucky - no idea as I don't think he had an inkling until he found the receipt. Maybe he regularly searches my bag.

    After all that almost forgot it was payday today. Not that there's anything left after the bills and credit card have been paid. Should've been saving something this month but due to overspending it's had to be diverted. I think I'll say I'll start the savings properly January payday. Have put a third of April holiday money away as the balance has to be paid at the end of January.

    Had my eyebrows waxed and tinted after work and thought stuff it and had my nails done as well. The gel polish lasts just over two weeks so will see me through the meals out coming up. I've gone for black glitter which will match everything.

    Mr SA still keeping a low profile, it's quite nice actually! I've told him it's the work meal tomorrow but he may have forgotten, hopefully he won't kick off about that. Tough anyway I'm going and that's that, it's not as if I stay out drinking with them, I go straight home after the meal.
    Virtual Sealed Pot 2018 £20.70
    December 3 NSD
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 30th Nov 17, 7:30 PM
    • 2,268 Posts
    • 10,900 Thanks
    HairyHandofDartmoor
    Sneaky Mr SA searching your bag .

    Have a great time at the work Christmas meal, you will look very glamorous with your eyebrows and nails done .
    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
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 30th Nov 17, 8:10 PM
    • 8,400 Posts
    • 47,242 Thanks
    please-let-me-be-lucky
    Mr Lucky thinks Iíll leave him because I deserve someone without all his issues. Wonder if it was something along those lines that made Mr SA check up on you. Pre head injury Mr Lucky probably would have been pilfering my purse .

    Nails sound lovely Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in December 1/5
    Lbs lost 10/107.
    • milann
    • By milann 30th Nov 17, 8:22 PM
    • 1,418 Posts
    • 6,203 Thanks
    milann
    Phew.......I've caught up - been reading your diary over the last few days on and off between deep cleaning my kitchen.
    SA what a journey the last few years have been for you - I'm full of admiration for you - and for Mr SA for keeping going in his own way but mainly for you - caring, earning and keeping going through broken ankles, house renovating, decorating and just everyday life as it is now. How life can change in a split second - shows we need to make the most of it - that's why you deserve your trips out. Enjoy them.
    Will pop by more often.
    • beanielou
    • By beanielou 30th Nov 17, 8:37 PM
    • 49,047 Posts
    • 182,127 Thanks
    beanielou
    Have a lovely day tomorrow
    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 30th Nov 17, 8:38 PM
    • 4,734 Posts
    • 28,202 Thanks
    Sun Addict
    Thanks ladies.

    Milann thanks for reading my very long and very eventful diary. It certainly ended up being a whole lot more interesting than I anticipated! Like you say, you never know what's around the corner, good job really. I bet your kitchen looks fab now!

    Lucky - I think he might have spotted the Christmas cards I'd bought in my bag then found the train receipt. No excuse though he shouldn't go through my things. I've neither the time, energy or inclination to cheat on him and have told him this many many times!
    Virtual Sealed Pot 2018 £20.70
    December 3 NSD
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • Verbatim
    • By Verbatim 30th Nov 17, 10:19 PM
    • 4,518 Posts
    • 13,262 Thanks
    Verbatim
    Stay out for a drink or three after the meal! Have a lovely time.
    I wouldn't make a separate meal for Mr SA every night. Especially if he's done nothing in the house or to prep his dinner. Please note it isn't "helping you": he lives there too!
    Don't let him take the p***
    CCs @0% £24k Dec 05 £19,621.41 Au £13400 S 12600 Oct £11,981 £9481 £7500 Nov £7250 D £7100 Jan 6950 F £5800 Mar£5400 May £4830 June £4660 July £4460 Aug £3200, S £900, £0 18/9/07 DFW Nerd 042
    • milann
    • By milann 30th Nov 17, 11:13 PM
    • 1,418 Posts
    • 6,203 Thanks
    milann
    Kitchen will look a lot better when I've finished - having to pace myself at the moment.... Just the fridge freezer, 1 drawer and cooker hood to do. I could have deep cleaned a couple of complete houses the amount of time it's taken me to do my kitchen.....

    Have a lovely time when you go out. You deserve it.
    • fay66
    • By fay66 30th Nov 17, 11:52 PM
    • 665 Posts
    • 1,581 Thanks
    fay66
    You go girl SA and enjoy your works due ...x helmet on the ready
    Inland revenue £4500=
    Loan £2610
    Pay day loans - 135+600+300+300
    Credit card 1 - 5186
    CC2 -1038
    CC3 - 548 cc4 234
    • pennywisepoundstupid
    • By pennywisepoundstupid 1st Dec 17, 7:57 AM
    • 4,437 Posts
    • 13,861 Thanks
    pennywisepoundstupid
    I hope you have a lovely evening and make sure you have a few vino's you deserve it.x
    Be mindful of your self-talk. It's a conversation with the Universe."

    Debt free and saving for my future
    • Sun Addict
    • By Sun Addict 1st Dec 17, 8:20 PM
    • 4,734 Posts
    • 28,202 Thanks
    Sun Addict
    Had a fab time, the meal was lovely. Felt a bit like Cinderella catching the bus home while everyone else went for more drinks but to be honest I'd had enough and the buses start being few and far between after 6pm. Didn't fancy standing at the bus stop freezing. Can't believe the bus broke down on the way home and we all had to get off and get on another one!

    Anyway happy December everyone
    Virtual Sealed Pot 2018 £20.70
    December 3 NSD
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • UncannyScot
    • By UncannyScot 1st Dec 17, 8:25 PM
    • 890 Posts
    • 5,179 Thanks
    UncannyScot
    Not a proper works night oot without some bit of adventure lol

    Glad you had a lovely time missus
    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.
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 1st Dec 17, 8:26 PM
    • 2,268 Posts
    • 10,900 Thanks
    HairyHandofDartmoor
    Glad you enjoyed it SA even with a bus misadventure thrown in
    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
    • beanielou
    • By beanielou 1st Dec 17, 8:28 PM
    • 49,047 Posts
    • 182,127 Thanks
    beanielou
    Glad that you had a lovely time
    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***
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 1st Dec 17, 9:05 PM
    • 8,400 Posts
    • 47,242 Thanks
    please-let-me-be-lucky
    So pleased you enjoyed it Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in December 1/5
    Lbs lost 10/107.
    • fay66
    • By fay66 1st Dec 17, 9:49 PM
    • 665 Posts
    • 1,581 Thanks
    fay66
    blooming heck sa, youll be checked over for lipstick smudges, with the bus being late lol
    Inland revenue £4500=
    Loan £2610
    Pay day loans - 135+600+300+300
    Credit card 1 - 5186
    CC2 -1038
    CC3 - 548 cc4 234
    • Sun Addict
    • By Sun Addict 2nd Dec 17, 7:10 AM
    • 4,734 Posts
    • 28,202 Thanks
    Sun Addict
    I was home just after 5pm Fay which was earlier then he expected me

    Trying to motivate Mr SA to get up early so we can get into town before the crowds hit. Not having much luck with it at the moment. Will have to walk there and back as he'll need to take his scooter, don't fancy pushing him in the wheelchair. So really should be setting off soon .....

    Today will be taken up with town then tomorrow we need to move all our bedroom furniture into DD's room ready for the carpet on Tuesday. Plus the Christmas decorations will be going up this weekend too. Mr SA made a half hearted start yesterday.

    Have a great weekend everyone
    Virtual Sealed Pot 2018 £20.70
    December 3 NSD
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • mummytogirls
    • By mummytogirls 2nd Dec 17, 4:39 PM
    • 5,621 Posts
    • 18,469 Thanks
    mummytogirls
    Hope youve enjoyed your day out SA xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6936.45 - 04/09/17 - 70.99% paid off
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