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  • FIRST POST
    • Orange Ena
    • By Orange Ena 23rd Mar 13, 10:32 PM
    • 1,060Posts
    • 2,599Thanks
    Orange Ena
    Batten down the hatches.....
    • #1
    • 23rd Mar 13, 10:32 PM
    Batten down the hatches..... 23rd Mar 13 at 10:32 PM
    Hello, I'm new! I've been lurking for a while but its time for me join in all the fun!!

    In July 2012, I realised how much money I wasted. Not only frivolous things, but on household bills. Why pay more when I can get the same service for less?!

    Since that point I have made quite a few changes, cut back on all the "painless" things I can and tried to keep my spending under control. I know I could do a lot better so in my attempt to do that, I thought I would start a diary to track progress, have a ramble and feel motivated to finally become debt free.

    Last July, when I totalled up all my debts, it was around £5300 but then I thought it would be a good idea to add my holiday to my credit card Maybe my lightbulb had only flickered

    As of today, my debts are as follows:

    Overdraft - £1050 (mostly live in this)
    JD Williams - £260.66
    Nationwide credit card - £457.08
    Mint credit card - £3417.88
    TOTAL - £5185.62

    So I'm a bit better off than I was in July 2012

    I have got a plan and rightly or wrongly the order I've typed it in is it! I've £250 in an ISA and in March and April, I am aiming to save £800 and then pay off the overdraft in one fell swoop. I've tried the old spending a bit less and when I went on holiday in November, I did get it down to £450 but then since I've been back I've got distracted with clearing other debts its gone back up. I read somewhere that if I get the bank to reduce my overdraft, they would credit check me and I really could do without that (that's another story!). I don't think I've ever lived in credit. I've had a overdraft since I was at university and I've been happily unhappily living in it ever since. I'm 36 this year and if my plan works, I'll be living in the black by my birthday . Of course my other debts will still be there........

    The big Mint card is the last thing to tackle as most of it is on a 0% until September. When I've cleared the other smaller debts, I'm hoping to get a longer term 0% credit card and balance transfer it.

    My next job is to collate all the bits of paper where I have kept track of what I've saved by cancelling direct debits, and reducing bills by shopping around. I'm pretty sure its around £150 a month but it will be nice to see it written on here. I also want to collate all my other income streams such as cashback, surveys, tesco and nectar points and my nutella jar of change.

    Right, best get on. Lots to do...
    Last edited by Orange Ena; 12-08-2015 at 7:24 PM.
Page 32
    • doingitanyway
    • By doingitanyway 18th Sep 16, 12:51 PM
    • 1,037 Posts
    • 4,225 Thanks
    doingitanyway
    beautiful expensive floor lamp......to the tip! I bought it about 3 years ago with a tax rebate I had and it was a gorgeous statement lamp and that statement was.......you've wasted £140 as I'll mock you with my poor design and wobbly legs
    Originally posted by Orange Ena
    Funny Orange Ena. Funny
    JANUARY 2016/SECURED DEBT=23,322/OCTOBER 2016=15,327 or 34.5% PAID
    MORTGAGE FREE 25/07/16
    • Orange Ena
    • By Orange Ena 18th Sep 16, 11:30 PM
    • 1,060 Posts
    • 2,599 Thanks
    Orange Ena
    Funny Orange Ena. Funny
    Originally posted by doingitanyway


    Another weekend gone far too fast Good news, the man who came to quote to fix my floorboards is going to come Tuesday night to do them. I can't wait until they're done so I can then arrange for my carpet to be fitted and get all my stuff back into my room. Been in a bit of limbo the last few weeks

    Friday 16th September
    * £2.10 in the c0-op
    * £19.70 for a dental check-up
    * £16.04 in M0rrisons
    * 0nep0ll surveys
    * PA survey

    Saturday
    * £9.34 in H0me Barg@ins, a few essentials and 2 small stocking fillers for Christmas (all wrapped )
    * £30 for fuel
    * Youg0v survey

    Today
    * NSD
    * P0pulusLive survey
    * Youg0v survey
    * 4 items listed on eb@y and if they sell for the asking price it'll be £16.75 less fees


    I had quite a good day at work on Friday which was a surprise! But then I realised it was because I only had to do a little bit of my job In the morning I do a non-clinical job (and I saw my boss who gave me some lovely feedback about it which is always nice) and then I finished early as I was at the dentist so I only did my proper job for 2 hours. Hmmm. And I happened to mention to my boss that I'd got the dentist and had taken leave and she told me to claim it back. Wahey, Brucie bonus If everyday was like that I wouldn't want to leave......

    I had some terrible news today, my best work friend is going to hand her notice in I knew it was on the cards but it's earlier than she thought it would be cause she can't stand it either! I only see her a couple of times a month in work but I shall miss her. I do see her out of work so that's good. Spurring me on to get out too

    More decluttering and sorting out:
    39. chest of drawers, I tried to sell it for a fiver but had no takers so I dragged it outside with a "free" sign on it, went up to the loo, looked out the window and someone was just loading it in their car
    40. loads of scrapbook papers and a few other random craft things, some will be given away and I'll try and sell some at my craft group

    Ive got to laugh because a while ago my colleague was telling me she'd spent one Sunday afternoon decluttering her house. One afternoon!!! Is that even possible? I've been decluttering for years

    Have a great money saving and money making week y'all
    Ll0yds CC £3180.05 £2779 / H@lifax CC - £1490 £0
    Nati0nwide CC - £558 £0 / Barcl@ycard CC - £890.80 £0
    Debt Apr 15 £6895.44 / Jul 15 £6330.30 / 5th Jan 16 £5217.26 / 4th Feb £4340 / 5th Apr £3505
    Every penny is a prisoner
    • Orange Ena
    • By Orange Ena 21st Sep 16, 12:00 AM
    • 1,060 Posts
    • 2,599 Thanks
    Orange Ena
    Only a quickie tonight, had a bit of dramarama earlier

    Monday 19th September
    * £21.73 in T3sco
    * 0nep0ll surveys
    * i-S@y survey

    Today
    * £12.45 to my friend for a ticket to a show
    * £120 for my floorboards to be fixed
    * Youg0v survey
    * VO survey

    I had the guy come and sort my floorboards out and oh boy, I bet he wish he hadn't! Unfortunately the pipes were too close to the floorboards so he caught it with his cutter thing and water went everywhere! All up my newly decorated walls, on my bed, everywhere! Bless him, he was so apologetic, but it was one of those things. I was really quite calm because all I could think was, it's ok, I've got an emergency fund Obviously I didn't really want to use it but I didn't panic as much as I might have done a few years or even months ago. Luckily, I have a Home Emergency thing with my home insurance (which runs out on Saturday!!) so I called and a plumber came within an hour and a half to fix the pipe and all is well again. I only called the house insurance last night to cancel the renewal as I can get it cheaper online and with cashback but it's made me think maybe I should just stick with this company and see if they'll do it a bit cheaper!

    Night
    Ll0yds CC £3180.05 £2779 / H@lifax CC - £1490 £0
    Nati0nwide CC - £558 £0 / Barcl@ycard CC - £890.80 £0
    Debt Apr 15 £6895.44 / Jul 15 £6330.30 / 5th Jan 16 £5217.26 / 4th Feb £4340 / 5th Apr £3505
    Every penny is a prisoner
    • doingitanyway
    • By doingitanyway 21st Sep 16, 8:34 AM
    • 1,037 Posts
    • 4,225 Thanks
    doingitanyway
    That is terrible. However, it was great you could call a number and have it all sorted. What was the home emergency thing? If they are good maybe try and renegotiate rather than leaving? Did the floorboards man give a discount too for ruining your flat!!

    What was he doing to the floorboards?
    Do they look great now?

    Too many questions??
    JANUARY 2016/SECURED DEBT=23,322/OCTOBER 2016=15,327 or 34.5% PAID
    MORTGAGE FREE 25/07/16
    • crazy_cat_lady
    • By crazy_cat_lady 22nd Sep 16, 8:00 PM
    • 3,003 Posts
    • 20,456 Thanks
    crazy_cat_lady
    I would have thought that should be a claim on your floorboard guy's insurance rather than your home insurance to be honest...
    NST Dec #15 NSD 2/16 DFD 6 Nov 15 - paid £28,447 Wombling '16 #28 (£634.37)
    • Orange Ena
    • By Orange Ena 6th Oct 16, 10:33 PM
    • 1,060 Posts
    • 2,599 Thanks
    Orange Ena
    That is terrible. However, it was great you could call a number and have it all sorted. What was the home emergency thing? If they are good maybe try and renegotiate rather than leaving? Did the floorboards man give a discount too for ruining your flat!!

    What was he doing to the floorboards?
    Do they look great now?

    Too many questions??
    Originally posted by doingitanyway
    Hi DIA. It's Home Emergency Assistance with Nati0nwide. I'm not sure if they all do it but it's only an extra £20 ish and you're covered up to £500 for these emergencies. I ended up buying a new policy in the end just for peace of mind. Haha he did offer to knock a little money off but it all got sorted and they are all fixed now. Can't complain. Plus I wanted him to come back to fix something else and I thought he might decline if he thought I was not paying fair.

    Hope you're well! X

    I would have thought that should be a claim on your floorboard guy's insurance rather than your home insurance to be honest...
    Originally posted by crazy_cat_lady
    Thanks CCL, luckily it's not classed as a claim on my insurance so it's all good. Does make me think I should ask if workmen in my home do have insurance though!
    Ll0yds CC £3180.05 £2779 / H@lifax CC - £1490 £0
    Nati0nwide CC - £558 £0 / Barcl@ycard CC - £890.80 £0
    Debt Apr 15 £6895.44 / Jul 15 £6330.30 / 5th Jan 16 £5217.26 / 4th Feb £4340 / 5th Apr £3505
    Every penny is a prisoner
    • Orange Ena
    • By Orange Ena 6th Oct 16, 11:13 PM
    • 1,060 Posts
    • 2,599 Thanks
    Orange Ena
    Well it's been a while! OK I confess, I've been with Brad Pitt 'comforting' him. He seems ok now so back to mse for me. He begged me to stay longer but I was like, mate, got to get back to posting

    Hmmmm actually that's a lie! I've not been well and it's taken all my energy to get through work. I really don't want to take unnecessary sick days when I'm going to be applying for new jobs next year!

    Wednesday 21st September
    * £39.49 in M0rrisons including a iTun3s voucher, some beers and a few groceries
    * 0nep0ll surveys
    * PA survey

    Thursday 22nd September

    * £23.62 on some dry food for my cat and kitten. My older cat doesn't seem to lose weight despite eating very little so I've had a good chat with a vet nurse who specialises in nutrition and she's advised this stuff. I'm going to try the kitten on it too so that he doesn't develop a weight problem. I've got loads of food in the cupboard so as I wean them off it, I'll donate any left to the cat rescue
    * £123.73 for my house insurance, I haven't renewed but I have used the same company that my current policy is with. Hopefully I'll still qualify for the £30 Am@zon voucher and the £36.75 cashback has tracked.
    * 0nep0ll surveys
    * Youg0v survey
    * PA survey

    Friday 23rd September
    * £5.50 in Tesco
    * £15 for fuel
    * 25p charity donation, all the change I had
    * 0nep0ll surveys
    * Youg0v survey

    Saturday 24th
    * £22.58 in M0rrisons
    * 5p roadkill found
    * £6.02 received for selling some unwanted craft supplies
    * PA survey

    Sunday 25th September
    * NSD
    * One item sold on eb@y, should get around £15 after fees but I feel a bit suspicious of the buyer so I'll keep the money in payp@l until they've received the item

    Monday 26th
    * £7.20 in T3sco
    * £30 for fuel
    * i-S@y survey
    * £4.24 sweep into my FD savings account
    * £1.37 sweep into my overpayments account

    Tuesday 27th September
    * £1.74 for the eb@y item to be sent
    * £6.54 in T3sco
    * £7.29 in the pet shop on some cat toys. I played with the kitten for about 2 minutes with his new rope feather toy, went for a shower and when I got back he'd bitten through the elastic

    Wednesday 28th September
    * £1.55 for lunch
    * £13.87 on a few groceries
    * 0nep0ll surveys
    * Youg0v survey
    * Finished my book, Sunshine over Wildflower Cottage

    Thursday 29th September
    * £11.05 in M0rrisons
    * 2 PA surveys
    * 0nep0ll surveys

    Friday 30th September
    * £35 for petrol
    * £7 in Tesco on treats for the weekend at my brother and sister in laws
    * 0nep0ll surveys
    * 5p roadkill found
    * Youg0v survey

    Saturday 1st October
    * £67.10 in Sainsbobs, got some lunch, plus a blanket, pyjamas, slippers, 3 tshirts, 12 decorative door knobs and a picture frame
    * £8.50 for dinner with friends
    * Youg0v survey

    Sunday 2nd October
    * £29.65 for 3 roast dinners in the pub, a thank you to my brother and SIL for letting me stay
    * £14.66 in T3sco for a few bits
    * 2 VO surveys

    Monday 3rd October
    * £2.87 in Boots
    * £41.49 on a gift experience for my SIL's birthday, it's a big one otherwise I wouldn't normally spend this much, via TCB which has tracked for £4.09
    * 0nep0ll survey
    * Youg0v survey

    Tuesday 4th October
    * £14.85 in T3sco, birthday cards, chocolates for a pressie and lunch
    * £30 for fuel
    * 0nep0ll surveys
    * 84p sweep into my FD savings account
    * £1.59 sweep into my overpayments account

    Wednesday 5th October
    * £5.73 in the PO
    * £5 for a book from work, it's £7.99 on Am@zon
    * £17.88 transferred from payp@l to my overpayments account, from the eb@y item
    * Youg0v survey
    * 0nep0ll surveys
    * i-S@y survey and a £5 Am@zon voucher redeemed
    * VO survey

    Today
    * £10.75 in Sainsbobs
    * 2 PA surveys
    * 0nep0ll surveys

    That's it, all caught up. I feel like I've been really spendy although mostly budgeted for. I haven't had an NSD since the 25th September which is terrible so I need to get back into that. Always room for improvement on this debt freedom quest
    Ll0yds CC £3180.05 £2779 / H@lifax CC - £1490 £0
    Nati0nwide CC - £558 £0 / Barcl@ycard CC - £890.80 £0
    Debt Apr 15 £6895.44 / Jul 15 £6330.30 / 5th Jan 16 £5217.26 / 4th Feb £4340 / 5th Apr £3505
    Every penny is a prisoner
    • Orange Ena
    • By Orange Ena 6th Oct 16, 11:19 PM
    • 1,060 Posts
    • 2,599 Thanks
    Orange Ena
    September stats, bit late

    PA - £8.58....................total YTD £208.46
    Youg0v - 600pts/£6...................total YTD 3975pts/£39.75
    SB - 446....................total YTD 20407
    Pinec0ne - £3................total YTD £39
    P0pulusLive - £10..................total YTD £113
    VO - £4...................total YTD £118.75
    TCB - £36.75................total YTD £88.38
    i-S@y - 695pts (enough for a £5 Am@zon voucher)................total YTD 6200pts
    Inb0x£s - 81p..................total YTD £9.45
    Other income - £21.52....................total YTD £737.09
    Roadkill - 17p..................total YTD 36p
    0nep0ll - £11.15...................total YTD £22.45


    September total - £106.98

    Total YTD - £1479.20


    Other totals:

    • Nati0nwide sweeps - £6.22..................total YTD £71.24
    • FD sweeps - £8.87..................total YTD £68.36
    • NSD's - 9...............total YTD 78
    • Books read - 1....................total YTD 3
    • DVD's watched - 0....................total YTD 8


    In September, I was aiming for
    • 12 NSD's FAIL, had 9
    • 1 book read PASS
    • 3 DVD's watched FAIL, watched 0
    • £60 extra income PASS

    October targets
    • 11 NSD's
    • 1 book read
    • 3 DVD's watched
    • £65 extra income
    Ll0yds CC £3180.05 £2779 / H@lifax CC - £1490 £0
    Nati0nwide CC - £558 £0 / Barcl@ycard CC - £890.80 £0
    Debt Apr 15 £6895.44 / Jul 15 £6330.30 / 5th Jan 16 £5217.26 / 4th Feb £4340 / 5th Apr £3505
    Every penny is a prisoner
    • Orange Ena
    • By Orange Ena 14th Oct 16, 11:58 PM
    • 1,060 Posts
    • 2,599 Thanks
    Orange Ena
    Evening! Another weekend is here

    Friday 7th October
    * £15.30 in T3sco on groceries and nibbles
    * 2 PA surveys
    * 0nep0ll surveys
    * Pinec0ne survey

    Saturday 8th October
    * 109SB!earned and 13SB from the September bonus
    * £45 for the bedroom carpet to be fitted, love it, especially the smell
    * £46.47 in Dun3lm for a new bed sheet and 2 new towels to replace ones that were ruined when the floorboard man needed something to mop up the mess
    * £19.86 on groceries, I only went in for milk really but the other stuff we keep me going a few days
    * £6.17 in H0me Barg@ins on household essentials

    Sunday 9th October
    * NSD
    * 2 items listed on Fr33gle

    Monday 10th October
    * NSD
    * 0nep0ll surveys
    * £6 requested from Pinec0ne and will be transferred to my overpayments account once received

    Tuesday 11th
    * £30 for fuel
    * £8.85 in T3sco for lunch and a box of chocolates for my friend to cheer her up
    * £29.55 in M0rrisons for a few groceries and 4 bags of cat litter as it was on offer
    * 0nep0ll surveys
    * 160SB earned

    Wednesday 12th October
    * NSD
    * 0nep0ll surveys
    * 2 PA surveys

    Thursday 13th
    * NSD
    * 0nep0ll surveys
    * 3 items relisted on eb@y
    * 96SB earned

    Today
    * £6.99 for lunch and some weekend chocolates
    * Youg0v survey
    * 2 PA surveys
    * 0nep0ll surveys
    * £10 pending in TCB for a referral I made nearly 4 years ago!

    More decluttering:
    41. pillows x 4
    42. old mattress topper
    43. duvet and cover
    44. canvas bag
    45. sewing machine
    46. plank of wood
    47. table top from Ike@

    After nearly 4 years of nagging my dad to use TCB, he's finally done it! Never thought it would happen He's switched to Plusn3t via TCB with a referral from me so he should get £50 cashback plus £50 for a Plusn3t offer and I'll get something too, plus this £10 from TCB which is pending! So proud of him

    My bedroom is looking so lovely now it's all finished and its nice to actually spend time in there! Its never looked very nice, it was full of clutter, half decorated walls, filthy carpet, mismatched furniture.......and now its like a swish boutique hotel room There's bit of stuff that I want and need to keep in my newly converted wardrobe otherwise the surfaces and floor are clear of clutter and I'm chuffed. Now to sort the rest of the house again and not just keep moving crap between rooms
    Ll0yds CC £3180.05 £2779 / H@lifax CC - £1490 £0
    Nati0nwide CC - £558 £0 / Barcl@ycard CC - £890.80 £0
    Debt Apr 15 £6895.44 / Jul 15 £6330.30 / 5th Jan 16 £5217.26 / 4th Feb £4340 / 5th Apr £3505
    Every penny is a prisoner
    • Orange Ena
    • By Orange Ena 15th Oct 16, 9:45 PM
    • 1,060 Posts
    • 2,599 Thanks
    Orange Ena
    Hiiiiiii.

    Today
    * £33.59 in M0rrisons
    * Youg0v survey
    * £5 refund from the carpet fitter who charged me for a door strip that he didn't fit. I did query it as it looked like the old one had been put back down

    I'd thought I'd do a little summary of my savings accounts which have been building up since I've been budgeting better

    Nati0nwide Savings - £1626 in total across *ahem 14 accounts
    Overpayments - £486
    Fuel - £23
    Birthdays / Christmas - £112
    SHTF Emergency fund - £120
    Hair / beauty / medical - £62
    Clothes - £30
    Cat 1 - £100
    Cat 2 - £80
    Line rental - £32
    Car fund - £350
    Spa days - £70
    Boiler service / glasses / professional fee - £91
    House improvements - £60
    House insurance - £10

    Halif@x Emergency Savings - £151

    FD Savings - £950

    Grand total - £2727

    My actual emergency fund is £1707 which is my overpayments + SHTF EF + Halif@x + FD savings. If I ignore my savings for fuel, birthdays and Christmas, and hair which will be needed soon, I could get my hands on £2530 if i really needed it which is nearly my total CC debt!! I'm amazed how it's all added up, squirreling bits here and there. It's even more incredible that 18 months ago, I was at this point of the month, half way to payday, skint, and using my CC's. And now I have money! Proper money in my accounts! It's all allocated as you can see so unfortunately I can't go on a spending spree I have overspent a bit this month so things will be tight but I still have grocery money in my FD current account and will need to add some more to my fuel account as I have another trip back to my home town next weekend, otherwise my savings accounts should remain untouched.

    Anyway, the reason I've worked all this out is the desperate need to know and reassure myself that I can get my house finished, that I do have the money to do it. I don't want to wipe my savings out but I'm really not sure how much longer I can do my job. I need to leave before I have a breakdown. I've been a bit up and down lately but right now I feel frustrated and angry at my situation and ready to get this done with. And I can't cry or flake now, so I need to use this anger and push on.

    All year it's been in my mind that I would apply for the Christmas supermarket job again as I managed ok fitting it all in last time and the money was really helpful. But now I just can't face doing it. The thought of giving up my weekends and Christmas break has hit me and so I've decided not to bother And I think my time is better spent getting my house fully decluttered, ready to sell and relaxing before the inevitable stress. The money would have been great but I am still earning via surveys and selling stuff so that will have to do. So why do I feel guilty though for not trying to get that job? Aargh. Torturing myself again!

    For ages I've been saying I can't put my house on the market until at least January when my supermarket job finishes and the house is finished. Well now that's not happening, I'm struggling to resist using these savings to get the house finished and on the market before Christmas. I feel like I still need more savings and less CC debt before I can do anything but is there ever a right time? All I know is that I can't carry on for much longer in that job so the quicker my house is finished and on the market, the quicker I can move and get a new job.
    Last edited by Orange Ena; 15-10-2016 at 10:07 PM.
    Ll0yds CC £3180.05 £2779 / H@lifax CC - £1490 £0
    Nati0nwide CC - £558 £0 / Barcl@ycard CC - £890.80 £0
    Debt Apr 15 £6895.44 / Jul 15 £6330.30 / 5th Jan 16 £5217.26 / 4th Feb £4340 / 5th Apr £3505
    Every penny is a prisoner
    • Orange Ena
    • By Orange Ena 15th Oct 16, 9:58 PM
    • 1,060 Posts
    • 2,599 Thanks
    Orange Ena
    For weeks I've been thinking about what order to do things in and I couldn't get it straight in my mind. Do I move first, then change jobs, rent? There are so many issues to think about with lots of dead ends...........

    At first I thought I could find a new job in my home town and rent a flat or something, after selling my house. But my mortgage has only just been fixed for 5 years so if I sell it, I'd have to pay a £3k ERC, which would be ok if my house was worth half a million but it's probably only worth about £100k so £3k is quite a chunk which I can't afford to lose. And then even if I did do that, when I rang a few letting agents, they all said that I'd struggle to rent anywhere with having 2 cats and they had no landlords on their books at that time willing to let someone rent with pets. Demand is outstripping supply. So then I thought I could maybe just commute to my new job from my current house for a while but it's just a bit too far down the M6. Plus I'd have to hand my lease car back, pay a fee for ending my lease early, and buy a car which I'd have to get a loan for as I'd need something a bit more reliable than a banger. I think I'd also struggle to qualify for a mortgage with having a new job (I'd be affordability checked again Nati0nwide confirmed) at what is likely to be a lower wage. So after all that I realised that I can't be job led in this, I need to be house led.

    I need to buy a house or flat on the strength of my current wage, and on the same day I sell my current house so I'm not stung for ERC's. While I can't commute from my current house to my home town, I can commute from my home town to my current work as it's a bit nearer, although I'm sure it will be hellish on the motorway. Hopefully I'll be able to find a new job quickly so I wouldn't have to commute for too long.

    In my current job, we're booked 3 months in advance so it's hard to get a last minute day off. I do have a day off every other week but I'm already worrying about how I'm going to attend job interviews. And at some point I'm going to have to get used to a lower wage so my plan is to move, extend the mortgage term to make it cheaper and more manageable in the short term (overpay if possible), drop a Monday so that gives me some flexibility to attend interviews plus it'll make the commute and current job more bearable if i'm doing less of it!!

    It has taken me weeks to get to this solution, trying to make sense of it, but I think it's the only way. I haven't been able to write it down until now cause it's just been too hard and complicated to get it out of my head and translate it . And it probably makes no sense to anyone reading it but it is straight in my mind now which is a huge relief. Feels so much clearer what I need to do now

    To summarise:
    1. Finish house off with savings / possibly borrow on a 0% CC if really needed
    2. Put house on the market
    3. Buy a new place in my home town
    4. Move
    5. Drop a Monday as soon as I've moved
    6. Look for a new job
    7. Quit current hated job once new job materialises
    8. Live happily ever after

    The end.

    Or maybe just the beginning

    Ll0yds CC £3180.05 £2779 / H@lifax CC - £1490 £0
    Nati0nwide CC - £558 £0 / Barcl@ycard CC - £890.80 £0
    Debt Apr 15 £6895.44 / Jul 15 £6330.30 / 5th Jan 16 £5217.26 / 4th Feb £4340 / 5th Apr £3505
    Every penny is a prisoner
    • crazy_cat_lady
    • By crazy_cat_lady 16th Oct 16, 10:29 AM
    • 3,003 Posts
    • 20,456 Thanks
    crazy_cat_lady
    Sounds like a real plan Ena. Glad you've got it all sorted out. I have everything crossed that things go well for you.
    NST Dec #15 NSD 2/16 DFD 6 Nov 15 - paid £28,447 Wombling '16 #28 (£634.37)
    • lcc86
    • By lcc86 16th Oct 16, 5:06 PM
    • 747 Posts
    • 1,240 Thanks
    lcc86
    Good luck Orange Ena, sometimes you have to follow your heart. Life is too short to stay in a job that makes you miserable, I've been there myself!
    1/12/14 total £9,140 Today £233 97.4% paid
    • BettyBones
    • By BettyBones 16th Oct 16, 9:06 PM
    • 74 Posts
    • 140 Thanks
    BettyBones
    Hi Ena, sounds like a great plan to me. As LCC says, life is way to short to stay in a job that makes you miserable. Now you have a robust plan in place, go for it! xx
    • doingitanyway
    • By doingitanyway 17th Oct 16, 7:42 PM
    • 1,037 Posts
    • 4,225 Thanks
    doingitanyway
    It must feel nice to have a plan to work to. All your effort has paid off. Well done Orange Ena
    JANUARY 2016/SECURED DEBT=23,322/OCTOBER 2016=15,327 or 34.5% PAID
    MORTGAGE FREE 25/07/16
    • AspiringButAnxious
    • By AspiringButAnxious 19th Oct 16, 12:59 PM
    • 609 Posts
    • 2,285 Thanks
    AspiringButAnxious
    Well done on all the decluttering! My own efforts have slowed down considerably and mostly involve moving stuff into the loft for a car boot sale "one day"...

    Good luck with your plans — they sound good, especially the last one! Don't blame you for not wanting to do the supermarket Xmas job; I'm still scarred from working in a supermarket over a decade later...
    Rainy day fund — 3.16/500 Emergency fund target — 500/1000 Nest egg — circa £40
    Loan — 3081/15,487 = 19.8% Fun fund: £0.05 Credit card balance — £900
    • Orange Ena
    • By Orange Ena 31st Oct 16, 10:12 PM
    • 1,060 Posts
    • 2,599 Thanks
    Orange Ena
    Ah thanks very much for your good wishes ladies

    --------------------------------------------

    I've been missing again, I was feeling a bit rundown and had a bit of a cold but feeling ok now. Can't believe it's been 2 weeks since I posted though! Still logging everything

    Sunday 16th October
    * NSD
    * 1 eb@y item sold for £1.99 so I think I'll get £1.23 after fees, better than a poke in the eye

    Monday 17th October
    * NSD
    * Youg0v survey
    * 0nep0ll surveys

    Tuesday 18th
    * £22 for fuel
    * £6.15 in C0sta for lunch with my friend
    * £21.73 in T3sco

    Wednesday 19th
    * NSD, apart from £2.85 for an eb@y parcel but paid myself back from payp@l
    * 0nep0ll surveys
    * Listed 7 items on Shp0ck
    * Listed 2 bundles on Fr33gle

    Thursday 20th
    * NSD
    * 0nep0ll surveys
    * P0pulusLive survey
    * £2 received for an item sold on Shp0ck
    * i-S@y survey
    * VO survey

    Friday 21st
    * £6.95 for lunch and weekend snacks
    * £30 for fuel

    Saturday 22nd
    * £2 received for a Shp0ck item
    * £20 received from a friend for a little job
    * £5.78 in T3sco
    * £15.90 on a round of drinks at a party for family which I didn't mind. I drank free tap water though

    Sunday 23rd
    * £8.31 in T3sco
    * Youg0v survey
    * Watched a DVD, In the Line of Fire, will be sold / donated

    Monday 24th
    * NSD!
    * Youg0v survey
    * 0nep0ll surveys
    * 2 PA surveys
    * i-S@y survey
    * £1.68 sweep into my FD savings account
    * £1.23 withdrawn from payp@l and transferred to my overpayments account

    Tuesday 25th October
    * £5.60 for lunch and snacks for work
    * £15 for fuel
    * 0nep0ll surveys

    Wednesday 26th
    * £1 for lunch in T3sco
    * £1.60 for car park
    * £5 in Th0rntons
    * £4.40 in Prim@rk for wrapping paper and stationery
    * £15.85 in M&S for food. I got a few bits, a couple of yellow sticker items and the 2 dine for £10 thing, which separately would have been £20.50. I won't drink the wine so that's a Christmas pressie sorted
    * PA survey
    * 0nep0ll surveys
    * Youg0v survey
    * Pinec0ne survey
    * i-S@y survey

    Thursday 27th
    * £4.95 for breakfast in M0rrisons!
    * £40.09 in M0rrisons
    * £3.99 on a new top in a charity shop
    * £40.48 for kitten to be neutered!
    * £39 for a facial!
    * 0nep0ll surveys

    Friday 28th
    * £6 for 3 duster brushes for my vacuum
    * £29.81 for a 7.5kg bag of food for my older cat, they had text me offering 20% off so I bought enough for about 5 or 6 months
    * £2.39 on weekend food treats
    * 0nep0ll surveys
    * 2 VO surveys
    * Youg0v survey
    * £5.54 sweep into my FD savings account
    * £1.67 sweep into my overpayments account

    Saturday 29th
    * £4.76 in H0me Barg@ins
    * £3 in P0undw0rld
    * £22 in Asd@ for a top and cardigan

    Sunday 30th
    * £17.53 in M0rrisons
    * £25.45 in H0bbycraft, went a bit mad
    * Wombled 40 More points from a receipt found

    Today
    * NSD
    * 0nep0ll surveys
    * Youg0v survey
    * 3 VO surveys and a £15 Am@zon voucher requested
    * i-S@y survey and a £5 Am@zon voucher requested
    * PA survey
    * £20.21 received from PA and transferred to my overpayments account
    * £2.66 sweep into my FD savings account
    * £1.06 sweep into my overpayments account


    I've still been decluttering on and off;
    48. dressing gown
    49. few old beauty products
    50. bookcase
    51. posters
    52. curling tongs
    53. basket
    54. bath mat
    55. shells
    56. picture
    57. 2 alarm clocks
    58. bra
    59. picture frame
    60. photo stands
    61. coat hangers
    62. old tins
    63. loofah and pumice stone
    64. glasses holder
    65. wash bag

    I still have loads of things to sort and get rid of but I'm trying not to get overwhelmed with it. Just chip chip away! I've had 5 days off work and due to feeling a bit crap, I decided to just chill out and do very little. I had a few things to do Thursday and Friday but when I woke up on Saturday, I felt like I wanted to be a bit creative. Over the weekend I made 2 felt Christmas trees and a really pretty (lol modest) felt flower wreath. And I really enjoyed it It's been a while since I made anything so it was well overdue even though I looked around my house this morning and saw a total mess and then felt guilty for not doing a thing, not a damn thing I spent the day cleaning and doing all the stuff I should have done over the weekend

    I really must meal plan more, I just never seem to get organised with it but I know it's an area where I could improve. One thing I have been doing though in the last couple of weeks is having overnight oats and it's delicious! And I was never a porridge fan! It's so easy to make and take to work and really filling and although I haven't worked it out, I guess it's quite cheap per portion. Win win

    I've been making a few plans for some days out.......I haven't been away for 2 years and I've not really done much in the way of socialising so I'm looking forward to getting out more. I'm having a shopping day with my friend at a discount outlet village and we may stay over I'm also planning a day out, possible night away with my brother and sister in law to the Emmerd@le Studio Tour. The tickets would be their Christmas pressie plus I get to go too! Love Emmerd@le so I really want to go. I'm debt busting as much as I can but I feel like I need a few things to look forward to before I leave my job then can't afford to do anything

    Talking of which, I need to contact plumbers this week to get quotes for updating my bathroom. The house needing finishing is stopping me putting it on the market, and I can't get the hall, stairs and landing decorated until the bathroom is done so I know what I need to do, it's just doing it. I didn't want to contact anyone last week incase they wanted to come on my days off when I knew I wanted to be lazing around in my pyjamas
    • Orange Ena
    • By Orange Ena 31st Oct 16, 10:16 PM
    • 1,060 Posts
    • 2,599 Thanks
    Orange Ena
    Seeing as its the last day of the month, its time for the October stats

    PA - £12.28....................total YTD £220.74
    Youg0v - 500pts/£5...................total YTD 4475pts/£44.75
    SB - 378....................total YTD 20785
    Pinec0ne - £6................total YTD £45
    P0pulusLive - £3..................total YTD £116
    VO - £9...................total YTD £127.75
    TCB - £14.09................total YTD £102.47
    i-S@y - 530pts................total YTD 6730pts
    Inb0x£s - 70p..................total YTD £10.15
    Other income - £43.11....................total YTD £780.20
    Roadkill - 0..................total YTD 36p
    0nep0ll - £9.90...................total YTD £32.35


    October total - £103.08

    Total YTD - £1582.28


    Other totals:

    • Nati0nwide sweeps - £4.32..................total YTD £75.56
    • FD sweeps - £10.72..................total YTD £79.08
    • NSD's - 10...............total YTD 88
    • Books read - 0....................total YTD 3
    • DVD's watched - 1....................total YTD 9


    In October, I was aiming for
    • 11 NSD's FAIL, had 10
    • 1 book read FAIL
    • 3 DVD's watched FAIL, watched 1
    • £65 extra income PASS

    November targets
    • 10 NSD's
    • 1 book read
    • 2 DVD's watched
    • £65 extra income

    Happy Halloween / hiding in the dark avoiding trick or treaters cause you ate all the treats
    Ll0yds CC £3180.05 £2779 / H@lifax CC - £1490 £0
    Nati0nwide CC - £558 £0 / Barcl@ycard CC - £890.80 £0
    Debt Apr 15 £6895.44 / Jul 15 £6330.30 / 5th Jan 16 £5217.26 / 4th Feb £4340 / 5th Apr £3505
    Every penny is a prisoner
    • lcc86
    • By lcc86 1st Nov 16, 7:34 AM
    • 747 Posts
    • 1,240 Thanks
    lcc86
    Overnight oats are great value and super filling too! I've never been a porridge fan but love overnight oats lol
    1/12/14 total £9,140 Today £233 97.4% paid
    • doingitanyway
    • By doingitanyway 1st Nov 16, 4:07 PM
    • 1,037 Posts
    • 4,225 Thanks
    doingitanyway
    I'm glad you discovered overnight oats. Breakfast is so important to keeping on track throughout the day.

    My days off this week were spent just resting, but sometimes we need to do that so don't feel bad.

    Your decluttering is excellent.

    Enjoy the rest of the week
    JANUARY 2016/SECURED DEBT=23,322/OCTOBER 2016=15,327 or 34.5% PAID
    MORTGAGE FREE 25/07/16
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