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  • FIRST POST
    • Sun Addict
    • By Sun Addict 8th Mar 13, 8:30 AM
    • 4,725Posts
    • 28,092Thanks
    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 249
    • Sun Addict
    • By Sun Addict 2nd Dec 17, 5:38 PM
    • 4,725 Posts
    • 28,092 Thanks
    Sun Addict
    We were out for 6 hours today! Mr SA now has plenty of new things and is fairly happy although I think there might be more - his list seems to be endless!

    Town was a nightmare and he nearly knocked several people over. To be fair people were just walking in front of him it wasn't his fault. Thankfully he realises it's too busy to go again before Christmas.

    Looking forward to putting my feet up tonight. We've got the pizza and Prosecco for £10 deal from M&S. Then from tomorrow it's back to counting points until the next work Christmas meal.
    Virtual Sealed Pot 2018 £20.70
    December 3 NSD
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • beanielou
    • By beanielou 2nd Dec 17, 5:57 PM
    • 48,999 Posts
    • 181,848 Thanks
    beanielou
    Enjoy your prosseco & pizza.


    I had lovely pizza today.
    Was awsome, a treat from a friend, from a new place open in our villiage.
    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 2nd Dec 17, 6:02 PM
    • 1,173 Posts
    • 6,587 Thanks
    Seasidegal58
    Just caught up with your diary SA. I think if Mr SA was the type to check up on you before his illness then I donít think heíll change now. The main thing is to make sure you have an Ďoutsideí life of your own from time to time and donít let his tantrums grind you down. Hiding the fact that you want a day out to yourself is not good. And it was only a shopping trip as well! Still I know itís easy for me to talk as Iím not living with him! And of course his own life has been curtailed so he focuses even more on you.

    Anyway enjoy putting your feet up tonight with the Prosecco and pizza!
    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!"
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 2nd Dec 17, 6:11 PM
    • 2,196 Posts
    • 10,446 Thanks
    HairyHandofDartmoor
    Shopping at this time of year is always a nightmare . I hope Mr SA is pleased with all his new stuff.

    Enjoy your pizza and Prosecco .
    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 = £181.63
    • Sun Addict
    • By Sun Addict 2nd Dec 17, 8:36 PM
    • 4,725 Posts
    • 28,092 Thanks
    Sun Addict
    Thanks ladies

    SSG - I won't let him stop me doing things, I deserve a life other than work.

    The pizza was lovely, all gone now, the Prosecco continues to be lovely, plenty left at the moment

    Mr SA has just informed me he needs a pair of bootee slippers. If he gets them, this will be the third pair of slippers he's had since November (the first pair he managed to rip within a day!). He said if I can't be bothered to get him some he'll go in town on his own and get them. He's had about £100 spent on him today which I could've done without spending really, and he's still not satisfied It's never ending.
    Virtual Sealed Pot 2018 £20.70
    December 3 NSD
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 2nd Dec 17, 8:38 PM
    • 2,196 Posts
    • 10,446 Thanks
    HairyHandofDartmoor
    Make him go by himself and get them SA, that will test how badly he wants them .
    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 = £181.63
    • beanielou
    • By beanielou 2nd Dec 17, 9:22 PM
    • 48,999 Posts
    • 181,848 Thanks
    beanielou
    Make him go by himself and get them SA, that will test how badly he wants them .
    Originally posted by HairyHandofDartmoor

    But how much will he spend on them
    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***
    • beanielou
    • By beanielou 2nd Dec 17, 9:24 PM
    • 48,999 Posts
    • 181,848 Thanks
    beanielou
    Three pairs in a month is a lot
    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 Dec 17, 7:36 AM
    • 4,725 Posts
    • 28,092 Thanks
    Sun Addict
    Today's to do list:

    Do finances
    Mr M online shop for Thursday
    Descale Tassimo machine
    Take dog on park
    Start reading new book (Christmas one)
    Finish putting baubles on Christmas tree
    Look at what Christmas lights we've got - do they work?
    Look for some old photos of friend in Australia and me (she's asked for these)
    Move heavy bedroom furniture into DD's room when she's gone to work
    Move lighter bedroom furniture downstairs
    Pull up underlay from stairs then hoover them
    Clean bathroom
    Clean kitchen
    Clean living room
    Hoover and mop all floors
    Make soup for work lunches
    Prepare evening meal
    Meal plan for next week
    Take dog for another walk
    De-poop garden (bound to be some lurking!)
    Ironing
    Bath (last on list)

    Rolls sleeves up.....
    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 3rd Dec 17, 2:14 PM
    • 4,725 Posts
    • 28,092 Thanks
    Sun Addict
    Today's to do list:

    Do finances done
    Mr M online shop for Thursday Done
    Descale Tassimo machine Done
    Take dog on park Done
    Start reading new book (Christmas one)read first few pages
    Finish putting baubles on Christmas treeDone
    Look at what Christmas lights we've got - do they work?
    Done and duds thrown away
    Look for some old photos of friend in Australia and me (she's asked for these) Might run out of time today, not top of my list
    Move heavy bedroom furniture into DD's room when she's gone to work Some - will do rest tomorrow night
    Move lighter bedroom furniture downstairs Done
    Pull up underlay from stairs then hoover them Done - was really hard work!
    Clean bathroom
    Clean kitchen
    Clean living room
    Hoover and mop all floors
    Make soup for work lunches
    Prepare evening meal
    Meal plan for next week
    Take dog for another walk
    De-poop garden (bound to be some lurking!)Done
    Ironing
    Bath (last on list)

    All this stuff needs doing still and Mr SA is pestering me to help him put some lights round a tree!
    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 3rd Dec 17, 2:49 PM
    • 4,725 Posts
    • 28,092 Thanks
    Sun Addict
    The week ahead

    Monday
    Gym at lunchtime
    Put rest of heavy furniture, bed base and headboard in DD's room

    Tuesday
    Carpets being fitted on stairs, hall and our room
    Move furniture out of DD's room into ours - clear DD's room

    Wednesday
    Gym at lunchtime
    Carpet being fitted in DD's room
    Move DD's furniture back into her room

    Thursday
    Day off work to sort out our room and DD's room, get them back to normal
    DD's wardrobe and desk to be put up - hoping Mr SA and DD will do this between them without any involvement from me!
    Mr M online shop coming

    Friday
    Day off work
    Potter round town in the morning
    Meet retired work friends for lunch (Mr SA knows about this)

    Saturday
    WeightWatchers
    Looking after grandkids while DS and GF go Christmas shopping
    Collapse in a heap in front of TV

    It was 4 years ago today Mr SA first got the all clear. It's gone by so fast! He had a frightening moment this morning when he woke up confused and didn't know where he was. He was worried he'd had a seizure as he said his mind was completely blank and he couldn't think at all. This isn't unusual for him to be honest so I'm not particularly concerned about a seizure, I think it's the brain damage, he's got a considerable part of his brain missing where the tumour was and this is why he has a shunt to stop fluid collecting in the space and causing seizures.

    Hope everyone has had a good day so far.

    Off to finish that to do list now!
    Virtual Sealed Pot 2018 £20.70
    December 3 NSD
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • WannabeFree
    • By WannabeFree 3rd Dec 17, 3:31 PM
    • 406 Posts
    • 2,710 Thanks
    WannabeFree
    That's some huge to do list and a busy week ahead! Make sure there's you time fit in there too.

    Hope Mr SA is okay x
    ďOnce you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.Ē
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 3rd Dec 17, 3:46 PM
    • 2,196 Posts
    • 10,446 Thanks
    HairyHandofDartmoor
    Oh my goodness what a long to do list! You make me feel lazy . I hope you're going to rest this evening

    I expect you're right about Mr SA .
    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 = £181.63
    • beanielou
    • By beanielou 3rd Dec 17, 4:16 PM
    • 48,999 Posts
    • 181,848 Thanks
    beanielou
    Lies in a darkened room at the thought of your list.
    Can DD not help move her own furniture?
    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 Dec 17, 5:25 PM
    • 4,725 Posts
    • 28,092 Thanks
    Sun Addict
    She'll do the bulk of it Beanie but she doesn't get home from work until 9pm and we don't really want her stuff in our room another night or the furniture shifting to be going on that late.

    Have done almost everything on my list. The photos for the friend in Oz will have to wait, I don't know what she wants them for. I think she's a bit homesick at the moment.

    Just need to put my soup ingredients in the soup maker, do the ironing and have a bath. I honestly don't know where today has gone. I was up at the crack of dawn.

    No real goals for December other than damage limitation regarding budget and weight loss. Should be ok if I don't go mad. Went way over budget in November and ended up using what had been earmarked for savings to pay off cc. I start the month really well but events seem to take over and I start going free range.

    Next week is only a 3 day working week, the carpets will finally be down and we can get straight again plus I've got Prosecco left over from last night - happy days

    Almost forgot today is NSD 1 of December
    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 3rd Dec 17, 8:45 PM
    • 4,725 Posts
    • 28,092 Thanks
    Sun Addict
    Mr SA has asked me to make sure he's awake before I leave for work tomorrow morning as he's still frightened about the blank episode.

    Then he reminded me that he still wants the bootee slippers and when am I picking them up. Not gone that blank then.
    Virtual Sealed Pot 2018 £20.70
    December 3 NSD
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • mummytogirls
    • By mummytogirls 3rd Dec 17, 8:49 PM
    • 5,610 Posts
    • 18,418 Thanks
    mummytogirls
    Wow that was some to do list SA!!!

    Awww bless Mr SA asking you to make sure he's awake in the morning , had to laugh at his slipper request mind!!! xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6936.45 - 04/09/17 - 70.99% paid off
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 3rd Dec 17, 9:12 PM
    • 8,400 Posts
    • 47,236 Thanks
    please-let-me-be-lucky
    Mr SA has asked me to make sure he's awake before I leave for work tomorrow morning as he's still frightened about the blank episode.

    Then he reminded me that he still wants the bootee slippers and when am I picking them up. Not gone that blank then.
    Originally posted by Sun Addict
    Mr Lucky does stuff like that. Canít remember anything I need him to, but if thereís anything important to him - like remembering when a programe he wants to watch is on for example - suddenly his memory works better (it doesnít, but you know what I mean ). 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 3rd Dec 17, 9:21 PM
    • 4,725 Posts
    • 28,092 Thanks
    Sun Addict
    Thanks Lucky, I'm so glad someone else knows how it is with brain injuries, sometimes I feel so alone xx
    Virtual Sealed Pot 2018 £20.70
    December 3 NSD
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 3rd Dec 17, 9:38 PM
    • 8,400 Posts
    • 47,236 Thanks
    please-let-me-be-lucky
    Here whenever you need me Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in December 1/5
    Lbs lost 10/107.
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