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  • FIRST POST
    • Sun Addict
    • By Sun Addict 8th Mar 13, 8:30 AM
    • 4,965Posts
    • 30,828Thanks
    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 £94.62
    Jan NSDs 4 Jan AFDs 6
    Weight loss 3/10LBS Emergency Fund £1685.31/£10,000
    April holiday £803.90/£803.90
Page 264
    • Seasidegal58
    • By Seasidegal58 5th Jan 18, 8:29 PM
    • 1,401 Posts
    • 8,142 Thanks
    Seasidegal58
    Thatís a pretty toxic cocktail that DD had to cope with, especially as you say she was very sensitive as a child and has had treatment for severe PMS. I do hope that she finds a way out of her troubles.

    And totally agree with what Milann has posted.

    Have a more positive weekend and good luck with the wardrobe!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    Surveys: PA: £15.78/£20; One Poll: £15.40/£40: Opinium: £10.50/£25; Panelbase: £5/£10; You Gov: 1625/5000 points (£50)
    • beanielou
    • By beanielou 5th Jan 18, 8:41 PM
    • 49,477 Posts
    • 186,040 Thanks
    beanielou
    I'm not surprised you get down from time to time - think what you have coped with and how your life has changed these past few years - many would have crumbled. Has time off work over Christmas given you too ong to think maybe?

    Have a good weekend do and enjoy your grandkids.
    Originally posted by milann
    Agree 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***
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 5th Jan 18, 9:20 PM
    • 2,832 Posts
    • 16,407 Thanks
    HairyHandofDartmoor
    I hope you feel less down soon SA. Think of all the things you've avhieved and accomplished over the years. I agree that maybe you've had too much thinking time over the holidays.

    Enjoy your weekend and treat yourself to a sneaky day off soon
    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. Then save up for repairs to the house.
    Emergency Fund 1 = £818/Emergency Fund 2 = £110.76/Loss of Income Fund £0
    • Sun Addict
    • By Sun Addict 5th Jan 18, 9:28 PM
    • 4,965 Posts
    • 30,828 Thanks
    Sun Addict
    I'll be fine soon, it's when I start thinking, no good ever comes of it. It was when I went back to work the thoughts started, plus the DD situation, I was fine while I was off. I need to focus on things I can do something about and not dwell on things I can't.

    And reset

    In other news, I've had to order Mr SA a pair of skeleton cycling gloves from Amazon as this is the latest thing on his list. Wouldn't mind if he went cycling. Wonder what the next thing will be?
    Virtual Sealed Pot 2018 £94.62
    Jan NSDs 4 Jan AFDs 6
    Weight loss 3/10LBS Emergency Fund £1685.31/£10,000
    April holiday £803.90/£803.90
    • beanielou
    • By beanielou 5th Jan 18, 9:30 PM
    • 49,477 Posts
    • 186,040 Thanks
    beanielou
    What on earth are skeleton cycling gloves?
    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 5th Jan 18, 9:32 PM
    • 2,832 Posts
    • 16,407 Thanks
    HairyHandofDartmoor
    Just what I was wondering .
    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. Then save up for repairs to the house.
    Emergency Fund 1 = £818/Emergency Fund 2 = £110.76/Loss of Income Fund £0
    • Sun Addict
    • By Sun Addict 5th Jan 18, 9:34 PM
    • 4,965 Posts
    • 30,828 Thanks
    Sun Addict
    Cycling gloves with a Skelton pattern on the back. I don't know where he gets his ideas from - too much time on his hands.

    Forgot to mention I had a letter from DWP yesterday kindly informing me that my retirement date has been put back to 2027. Bless 'em.
    Virtual Sealed Pot 2018 £94.62
    Jan NSDs 4 Jan AFDs 6
    Weight loss 3/10LBS Emergency Fund £1685.31/£10,000
    April holiday £803.90/£803.90
    • Seasidegal58
    • By Seasidegal58 5th Jan 18, 9:36 PM
    • 1,401 Posts
    • 8,142 Thanks
    Seasidegal58
    I had to google the Gloves - OMG

    And on the retirement date!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    Surveys: PA: £15.78/£20; One Poll: £15.40/£40: Opinium: £10.50/£25; Panelbase: £5/£10; You Gov: 1625/5000 points (£50)
    • mummytogirls
    • By mummytogirls 5th Jan 18, 9:40 PM
    • 5,793 Posts
    • 20,169 Thanks
    mummytogirls
    Gosh SA, don't want to dwell too much but can't not send you some hugs, youve had such a lot to contend with over the past 20 years.

    Anyway onto Mr SA and his antics.. I hope he isn't going to be requesting a bike next .

    How nice of the DWP !!! xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6069.37 - 02/01/18 - 73.80% paid off
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 5th Jan 18, 9:42 PM
    • 2,832 Posts
    • 16,407 Thanks
    HairyHandofDartmoor
    2027? Will you be 67 then? I can't retire until I'm 67 which is 14 years away . I want my free bus pass .
    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. Then save up for repairs to the house.
    Emergency Fund 1 = £818/Emergency Fund 2 = £110.76/Loss of Income Fund £0
    • tunathe cat
    • By tunathe cat 6th Jan 18, 5:30 AM
    • 334 Posts
    • 1,296 Thanks
    tunathe cat
    hugs xxxxxxxxxxxxxx
    • Sun Addict
    • By Sun Addict 6th Jan 18, 7:11 AM
    • 4,965 Posts
    • 30,828 Thanks
    Sun Addict
    I'll be 66 and 5 months HH - no doubt they'll sneak the age up again though before then.

    Up early today - I seemed to think it would be a good idea to have a Mr M delivery between 6.30 and 7.30 - not here yet. WW has got a new class starting at 8.30 so going to get it over and done with.

    Mr SA is still full of cold and has been coughing all night.

    The gloves he reckons are just what he needs for driving his scooter. So were the last pair!
    Virtual Sealed Pot 2018 £94.62
    Jan NSDs 4 Jan AFDs 6
    Weight loss 3/10LBS Emergency Fund £1685.31/£10,000
    April holiday £803.90/£803.90
    • *Robin*
    • By *Robin* 6th Jan 18, 8:00 AM
    • 3,235 Posts
    • 13,053 Thanks
    *Robin*
    'Morning Sun.A,

    I've been caught in The Great Tory Pension Grab as well; complete joke in my case as it's been so long since I was fit to work in paid employment, but already have more than enough NI contributions for the maximum state pension..
    Anyway, an interesting wrinkle [until the Suited Vultures notice this anomaly] is that we still get free prescriptions from age 60! ..Whoopie, eh?
    • Sun Addict
    • By Sun Addict 6th Jan 18, 3:47 PM
    • 4,965 Posts
    • 30,828 Thanks
    Sun Addict
    I've had one of those days today. Bought the Mail for the WW booklet, got it home only to find some @&£@ had swapped it for the Sun supplements - it was the last Mail in the shop too

    Talking of WW have put on 2.5lbs which means I'm now 6lbs over goal so had to pay. Need to lose 1lb this week to be free again. On the plus side I won £5 of products on the raffle. There was hardly anyone at the early class and none of the people I usually sit with were there, so I think I'll go back to the later one next week.

    Took the dog on the park this morning, it was like a mud bath after all the rain and ended up having to put the dog in the bath when we got home.

    Grandkids have just gone, GS has done nothing but create havoc and scream. GD is as good as gold though. It's so peaceful now and the cat has come out of hiding.

    Mr SA has just informed me he's thinking about getting some walking poles
    Virtual Sealed Pot 2018 £94.62
    Jan NSDs 4 Jan AFDs 6
    Weight loss 3/10LBS Emergency Fund £1685.31/£10,000
    April holiday £803.90/£803.90
    • UncannyScot
    • By UncannyScot 6th Jan 18, 5:03 PM
    • 986 Posts
    • 6,247 Thanks
    UncannyScot
    GoOotside (you know who I mean ) have good basic walking poles for (if you have their card) £5 each atm in their sale... have actually just got a pair

    Walking poles are a MUST for a decent walk / hike and me and my hiking mates swear by them... as in why the **** didn't we get these years ago

    That said, I am guessing it's another of his wee notions, aye?
    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.
    • Sun Addict
    • By Sun Addict 6th Jan 18, 5:14 PM
    • 4,965 Posts
    • 30,828 Thanks
    Sun Addict
    Yes it's another one of his wee notions US. He can barely walk a few steps without falling over. It was a bike a few weeks ago. I just wait until he moves on to the next thing and forgets the last one. I blame it on TV adverts putting ideas in his head.
    Virtual Sealed Pot 2018 £94.62
    Jan NSDs 4 Jan AFDs 6
    Weight loss 3/10LBS Emergency Fund £1685.31/£10,000
    April holiday £803.90/£803.90
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 6th Jan 18, 5:48 PM
    • 2,832 Posts
    • 16,407 Thanks
    HairyHandofDartmoor
    TV ads are a curse for putting ideas in people's heads . You've had an annoying day with the paper, the muddy dog and noisy GS .

    Make sure you relax with a nice glass of wine tonight .
    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. Then save up for repairs to the house.
    Emergency Fund 1 = £818/Emergency Fund 2 = £110.76/Loss of Income Fund £0
    • Eager_Elephant
    • By Eager_Elephant 6th Jan 18, 6:01 PM
    • 4,164 Posts
    • 23,473 Thanks
    Eager_Elephant
    I've had one of those days today. Bought the Mail for the WW booklet, got it home only to find some @&£@ had swapped it for the Sun supplements - it was the last Mail in the shop too

    :
    Originally posted by Sun Addict
    If you don't have any one close by with the WW supplement I could post you mine as I wont be using it or I could scan it across if easier.
    Ninja Saving Turtle No. 24 for January
    NSD - 11/18
    (up to 17/01/18)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • mummytogirls
    • By mummytogirls 6th Jan 18, 6:14 PM
    • 5,793 Posts
    • 20,169 Thanks
    mummytogirls
    Boooo to your gain at WW SA, you should definitely have that 1lb off by next week.

    Cant believe someone would swap over the supplements FGS! Some people!!

    to the walking poles x
    Mummytogirls x

    £23164.32 - 12/12/10
    £6069.37 - 02/01/18 - 73.80% paid off
    • Sun Addict
    • By Sun Addict 6th Jan 18, 7:21 PM
    • 4,965 Posts
    • 30,828 Thanks
    Sun Addict
    Thanks EE - I've emailed the Mail so I'm hoping they might send me one. I was going to cut my losses and go out for another paper from a different shop but then I thought I have loads of WW cook books plus the magazine and would it really be worth it.
    Virtual Sealed Pot 2018 £94.62
    Jan NSDs 4 Jan AFDs 6
    Weight loss 3/10LBS Emergency Fund £1685.31/£10,000
    April holiday £803.90/£803.90
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