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  • FIRST POST
    • Sun Addict
    • By Sun Addict 8th Mar 13, 8:30 AM
    • 5,213Posts
    • 32,944Thanks
    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 £153.08
    Jan NSDs 4 Feb AFDs 1
    Weight loss 4/10LBS Emergency Fund £2000/£10,000
    April holiday £0/£900
    Dining room fund £150
Page 272
    • redofromstart
    • By redofromstart 26th Jan 18, 9:23 PM
    • 1,106 Posts
    • 6,765 Thanks
    redofromstart
    I attach my fitbit to my laces for cycling
    • Sun Addict
    • By Sun Addict 26th Jan 18, 9:38 PM
    • 5,213 Posts
    • 32,944 Thanks
    Sun Addict
    Ooh never knew that. It acknowledged it as excercise but not steps.
    Virtual Sealed Pot 2018 £153.08
    Jan NSDs 4 Feb AFDs 1
    Weight loss 4/10LBS Emergency Fund £2000/£10,000
    April holiday £0/£900
    Dining room fund £150
    • 117pauline
    • By 117pauline 26th Jan 18, 10:24 PM
    • 591 Posts
    • 6,856 Thanks
    117pauline
    Hi S.A.

    Sorry I have been mia but I think I am finally getting on top of the bug I've had.

    I so admire your patience and sense of the absurd. So many of the challenges you face are so hard and on going. If i knew you in real life, I might want to have a word in your daughter's ear to encourage her to be more supportive.

    I will PM you about meeting up for a coffee, or tea in my case. I am back to making lists to encourage me back to small steps. I feel like the proverbial wrung out tea towel.

    I will keep my fingers crossed for your weigh in tomorrow.

    Take care honey
    Pauline
    Don't get it perfect - Get it going
    Better Than Before
    • Sun Addict
    • By Sun Addict 27th Jan 18, 7:14 PM
    • 5,213 Posts
    • 32,944 Thanks
    Sun Addict
    Happy Saturday

    Good to hear from you Pauline xx I'm a big lover of lists.

    Lost half a pound at WW, was hoping for more but at least the half a pound I put on last week has gone.

    Mr SA has made me so angry today. While I was at WW he went back to the workwear shop he bought the coat from yesterday and exchanged his coat for one more than twice the price and put the difference on the credit card. I went ballistic and told him he'd just spent the money I wanted to put towards the dining room. I wouldn't mind but the new coat isn't anywhere near as good as the other one, it's too short in the body for him for a start. I told him there's me shopping around all over and trying to stick to a budget, thought I was doing well and he'd ruined it.

    In the end he gave me the £25 extra from his secret stash. At first I felt a bit guilty taking it, but he didn't need the coat and it's certainly not worth £45
    Virtual Sealed Pot 2018 £153.08
    Jan NSDs 4 Feb AFDs 1
    Weight loss 4/10LBS Emergency Fund £2000/£10,000
    April holiday £0/£900
    Dining room fund £150
    • WannabeFree
    • By WannabeFree 27th Jan 18, 7:22 PM
    • 1,079 Posts
    • 8,827 Thanks
    WannabeFree
    Well done on the WW a loss is a loss! I think it's much harder when you're so near your target.

    Naughty MrSA .. Do NOT feel guilty. You have been working so hard to keep everything in budget etc x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • beanielou
    • By beanielou 27th Jan 18, 7:59 PM
    • 50,507 Posts
    • 192,995 Thanks
    beanielou
    YOu were quite right he gave you the money.
    I would have made him go back & change it back.
    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 27th Jan 18, 8:05 PM
    • 8,596 Posts
    • 49,340 Thanks
    please-let-me-be-lucky
    YOu were quite right he gave you the money.
    I would have made him go back & change it back.
    Originally posted by beanielou
    From me too.

    Congratulations on the weightloss Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in 2018 11:60
    Lbs lost 14/107.
    Savings for Florida £77.90/£1000
    • Sun Addict
    • By Sun Addict 27th Jan 18, 9:04 PM
    • 5,213 Posts
    • 32,944 Thanks
    Sun Addict
    Thanks folks xx I was worried I was being mean taking it from him. This is just an example of how he's not on board, it's not a new thing, he's always been the same. It drives me nuts.

    Made a fab quorn lasagne tonight, made 6 portions so will freeze the rest for future reference.

    DD has finally cleared some of her stuff from the spare room/gym. Get the feeling she's just moved them into her room and not put them away though.
    Virtual Sealed Pot 2018 £153.08
    Jan NSDs 4 Feb AFDs 1
    Weight loss 4/10LBS Emergency Fund £2000/£10,000
    April holiday £0/£900
    Dining room fund £150
    • beanielou
    • By beanielou 27th Jan 18, 9:06 PM
    • 50,507 Posts
    • 192,995 Thanks
    beanielou
    Well as long as its in her room that's ok
    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***
    • MSE Andrea
    • By MSE Andrea 9th Feb 18, 9:04 AM
    • 8,923 Posts
    • 21,508 Thanks
    MSE Andrea
    Bump bump lovely bump
    Could you do with a Money Makeover?


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    • please-let-me-be-lucky
    • By please-let-me-be-lucky 9th Feb 18, 9:10 AM
    • 8,596 Posts
    • 49,340 Thanks
    please-let-me-be-lucky
    Yay SA it’s back!! All hail Andrea Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in 2018 11:60
    Lbs lost 14/107.
    Savings for Florida £77.90/£1000
    • fermi
    • By fermi 9th Feb 18, 9:11 AM
    • 39,409 Posts
    • 47,448 Thanks
    fermi
    Sun addict's new diary can be found here:

    -> Things can only get better <-

    Since this one is quite long, I won't automatically merge them, but I will if this is what Sun Addict would prefer.
    I'm a Board Guide on the Debt-Free Wannabe, Bankruptcy, Credit Cards and Loans boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Board guides are not moderators. If you spot an inappropriate or illegal post then please report it to forumteam@moneysavingexpert.com

    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 9th Feb 18, 9:26 AM
    • 3,375 Posts
    • 21,342 Thanks
    HairyHandofDartmoor
    Your diary is back SA hurrah
    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 = £0/Loss of Income Fund £0
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 9th Feb 18, 9:27 AM
    • 3,375 Posts
    • 21,342 Thanks
    HairyHandofDartmoor
    Bump bump lovely bump
    Originally posted by MSE Andrea
    Thanks for restoring all the diaries
    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 = £0/Loss of Income Fund £0
    • Purplemumof2
    • By Purplemumof2 9th Feb 18, 9:39 AM
    • 5,804 Posts
    • 21,546 Thanks
    Purplemumof2
    So pleased your diary is back SA xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £6750.00 Cap 1: £456.79 BC: £8800.00
    AFD 3/14 NSD 3/14 LTW 6/14
    POAMAYC 2018 #041 PD £1194.42/£4000
    Savings for Christmas £60.84/£365
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • UncannyScot
    • By UncannyScot 9th Feb 18, 10:57 AM
    • 1,150 Posts
    • 7,008 Thanks
    UncannyScot
    Huzzah!
    This is fantastic!
    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.
    • enthusiasticsaver
    • By enthusiasticsaver 9th Feb 18, 11:37 AM
    • 5,663 Posts
    • 11,196 Thanks
    enthusiasticsaver
    It is back!!! Hurrah. Let me know if you want your old and new diaries merged SA.
    Debt free and mortgage free and early retiree. Living the dream

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com
    • beanielou
    • By beanielou 9th Feb 18, 3:35 PM
    • 50,507 Posts
    • 192,995 Thanks
    beanielou
    Bump bump lovely bump
    Originally posted by MSE Andrea
    A million thank you for all your hard work behind the scenes Andrea.
    Much apprecied by myself & all of SA's followers & most importantly by SA.
    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 Feb 18, 7:27 PM
    • 5,213 Posts
    • 32,944 Thanks
    Sun Addict
    Thank you Andrea for restoring my diary

    Fermi and ES - don't worry about merging my diaries, I'll stick with the new one - was meaning to anyway.

    Thank goodness 5 years of memories didn't disappear.

    Brilliant work
    Virtual Sealed Pot 2018 £153.08
    Jan NSDs 4 Feb AFDs 1
    Weight loss 4/10LBS Emergency Fund £2000/£10,000
    April holiday £0/£900
    Dining room fund £150
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