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  • FIRST POST
    • Sun Addict
    • By Sun Addict 8th Mar 13, 8:30 AM
    • 4,761Posts
    • 28,366Thanks
    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 250
    • beanielou
    • By beanielou 3rd Dec 17, 9:40 PM
    • 49,085 Posts
    • 182,338 Thanks
    beanielou
    So glad that you two have each other xx
    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***
    • fay66
    • By fay66 3rd Dec 17, 9:50 PM
    • 671 Posts
    • 1,611 Thanks
    fay66
    Oh dear SA,, your a busy lady , at least you have some wind down time x
    Inland revenue £4500=
    Loan £2610
    Pay day loans - 135+600+300+300
    Credit card 1 - 5186
    CC2 -1038
    CC3 - 548 cc4 234
    • Seasidegal58
    • By Seasidegal58 3rd Dec 17, 10:07 PM
    • 1,191 Posts
    • 6,703 Thanks
    Seasidegal58
    Im so sorry youíre feeling alone SA - it must be so difficult for you at times and itís great that you and lucky can support one another.

    I think we tend to be rather lighthearted on here about Mr SA sometimes - mAinly to try and cheer you up a bit as you do so much and are an absolute rock. Itís easy to forget sometimes that he is disabled and his cantankerousness stems from that. I certainly donít know if I could cope like you do under the circumstances. You have my undying admiration.

    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!"
    • Little Miss Winner
    • By Little Miss Winner 4th Dec 17, 8:28 AM
    • 3,966 Posts
    • 135,920 Thanks
    Little Miss Winner

    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
    that tickled me. Bless you... (both) xx
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 4th Dec 17, 9:10 AM
    • 2,302 Posts
    • 11,211 Thanks
    HairyHandofDartmoor
    Im so sorry youíre feeling alone SA - it must be so difficult for you at times and itís great that you and lucky can support one another.

    I think we tend to be rather lighthearted on here about Mr SA sometimes - mAinly to try and cheer you up a bit as you do so much and are an absolute rock. Itís easy to forget sometimes that he is disabled and his cantankerousness stems from that. I certainly donít know if I could cope like you do under the circumstances. You have my undying admiration.

    SSG x
    Originally posted by Seasidegal58
    I can't say anything better than this but I agree 100% with SSG.
    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
    • fay66
    • By fay66 4th Dec 17, 12:00 PM
    • 671 Posts
    • 1,611 Thanks
    fay66
    Hey SA we are all here, and if you catch ET regular pop in for a coffee and a chat x
    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 4th Dec 17, 7:30 PM
    • 4,761 Posts
    • 28,366 Thanks
    Sun Addict
    Thanks folks

    He asked me to make sure he was awake before I left for work this morning as the episode scared him. He seemed ok but rang me at work to ask what day it was.

    We've moved all the furniture from our room into DD's room. OMG the mess! Will be so glad when this week is over, really fed up of the mess now.

    So it's back to sleeping on the mattress tonight. Mr SA will have to move it in the morning, not sure how but he's refused to sleep on the sofa which would've been easier in the long run.

    Went to the gym at lunchtime and today has been NSD 2.
    Virtual Sealed Pot 2018 £20.70
    December 3 NSD
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • beanielou
    • By beanielou 4th Dec 17, 7:42 PM
    • 49,085 Posts
    • 182,338 Thanks
    beanielou
    So carpet fitter the morra?
    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***
    • fay66
    • By fay66 4th Dec 17, 8:04 PM
    • 671 Posts
    • 1,611 Thanks
    fay66
    I know how you feel SA , Ive had to empty my double room, and wardrobes ready for the lodger , my stuff was piled high, finally sorted but took a few days
    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 4th Dec 17, 9:04 PM
    • 4,761 Posts
    • 28,366 Thanks
    Sun Addict
    Carpets being fitted on stairs, hall and our room tomorrow, then DD's room Wednesday. Not heard anything from them since they rang to confirm the dates so assuming it's all systems go.

    DD is going to sleep on the sofa tomorrow night so her bed can go in our room. Pity Mr SA isn't so sensible, one night wouldn't hurt, he just won't put himself out.

    Mr SA has just reminded me yet again about the bootee slippers. He's not going to forget them is he?
    Virtual Sealed Pot 2018 £20.70
    December 3 NSD
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • amber03
    • By amber03 4th Dec 17, 9:08 PM
    • 798 Posts
    • 4,729 Thanks
    amber03
    Your house will be smelling of new carpet for the next week or so, love that smell.xx
    Debtfree and and staying that way.
    £1000 Emergency fund No.112 £310
    • beanielou
    • By beanielou 4th Dec 17, 9:12 PM
    • 49,085 Posts
    • 182,338 Thanks
    beanielou
    Almost crying with laughter at the bootee slippers.
    Sorry SA. Really I am.
    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 4th Dec 17, 9:13 PM
    • 49,085 Posts
    • 182,338 Thanks
    beanielou
    https://www.google.co.uk/search?q=tartan+bootie+slippers+mens&rlz=1C1GGRV_e nGB751GB751&tbm=isch&source=iu&ictx=1&fir=D5LD6lqb 2nZNlM%253A%252Coxhir-HvrVCMCM%252C_&usg=__lQA2vk2BTTxjLpa2xypy8HK7U2Y%3 D&sa=X&ved=0ahUKEwix6cXyovHXAhWBCcAKHTrDBhQQ9QEI2Q IwBQ#imgrc=D5LD6lqb2nZNlM:
    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 4th Dec 17, 9:31 PM
    • 2,302 Posts
    • 11,211 Thanks
    HairyHandofDartmoor
    The bootee slippers you're going to have to buy them to get some peace and quiet
    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 4th Dec 17, 9:44 PM
    • 49,085 Posts
    • 182,338 Thanks
    beanielou
    We can all chip in a quid
    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***
    • JWPopps
    • By JWPopps 5th Dec 17, 9:47 AM
    • 265 Posts
    • 1,416 Thanks
    JWPopps
    Hey, SA, while you're on maybe *I* could do with some bootee slippers...
    Credit Card Debt: £720
    Loan Debt: £6,100
    Savings: £30



    [B]PAYDBX 2017 - #19 : 80% paid 6624/8280[/
    • beanielou
    • By beanielou 5th Dec 17, 11:00 AM
    • 49,085 Posts
    • 182,338 Thanks
    beanielou
    Mine have a hole in them.
    I DO need new ones.
    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 5th Dec 17, 7:48 PM
    • 4,761 Posts
    • 28,366 Thanks
    Sun Addict
    They'll be from Primark or not at all

    Now for the bad news - no carpets Fitter rang in sick They can do DD's room tomorrow but the rest will have to wait until next Wednesday. Beyond fed up

    Plus the cat knocked the bedroom TV over last night and broke it

    Plus our IT systems were down at work all day today, not just locally, it was national Everyone started clearing cupboards and drawers for something to do, filled the bins and upset the cleaner.

    And Mr SA still asked me when I'm going to get him the bootee slippers.

    I give up!
    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 5th Dec 17, 7:54 PM
    • 8,407 Posts
    • 47,295 Thanks
    please-let-me-be-lucky
    Aw Hun, your day sounds about as fun as mine. Boo to no carpets and I suppose that means all the furniture has to come back out of DDís room, including her own, and then back again .

    Crack open the wine!! Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in December 1/5
    Lbs lost 10/107.
    • WannabeFree
    • By WannabeFree 5th Dec 17, 7:58 PM
    • 453 Posts
    • 3,077 Thanks
    WannabeFree
    Sounds like a horrid day I hope you have some wine!

    x
    ďOnce you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.Ē
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