Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • Orange Ena
    • By Orange Ena 23rd Mar 13, 10:32 PM
    • 1,239Posts
    • 3,274Thanks
    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 40
    • Orange Ena
    • By Orange Ena 6th May 17, 11:52 PM
    • 1,239 Posts
    • 3,274 Thanks
    Orange Ena
    Hellloooooo. I've had a lovely day off today, no cleaning, no tidying, only 1 quick survey My friend has started a craft group so I went along to support it and her and had a really lovely time meeting new creative people and I actually produced a finished piece of work! V v proud

    Wednesday 3rd May
    * NSD
    * 2 PA surveys
    * 0nepoll surveys
    * VO survey
    * Youg0v survey

    Thursday 4th May
    * NSD
    * 0nepoll surveys
    * VO survey
    * PA survey

    Friday 5th May
    * £5.20 in the c0-op
    * £39 for a facial I'm making the most of these as I think I'll have knock them on the head when I move
    * Opini0n Outp0st surveys and £2.50 redeemed and transferred to my CHEFS account
    * 0nepoll surveys
    * 2 PA surveys

    Today
    * £25 for a craft class and kit
    * £7.43 in L1dl. 39p for rocket! 39p for red peppers!
    * VO survey


    DMIC 1/6
    CHEFS total £90.88

    I'm really pleased with my CHEFS account total. I think I started saving around the 11th March so all being well I'll be having a "free" cruise in 2019

    The estate board is up but I'm not actually on the market properly yet The fella can't do the photos / EPC until Wednesday so I should on the market by next weekend, although I was planning an overnighter in my hometown to look at flats which maybe silly if I get a flurry of viewers for mine Please!!!

    Debt April 2015 - £6895.44 Debt April 2017 - £2500 May - £1455 Sept - £900
    CHEFS challenge (Cruise Holiday Entirely Funded by Surveys) - £327.26
    Every penny is a prisoner
    • enthusiasticsaver
    • By enthusiasticsaver 7th May 17, 9:42 AM
    • 4,674 Posts
    • 8,839 Thanks
    enthusiasticsaver
    Just read your diary from start to finish and what a roller coaster. So many congratulations on getting to grips with budgeting and your savings accounts, reducing your debt, renovating your house and last but not least getting a new job. Well done.

    Is your new job commutable from your current house in case it takes longer than you expect to sell? My daughter moved from Midlands back to the South West at the end of last year for a new and much better job. She had to sell her house in Midlands and buy a flat in the South West as much more expensive. She found a buyer within a few weeks in September 2016 but what with all the legal stuff and Christmas she did not actually complete until February 2017 and that is with a small chain as her buyer was an investor and the flat she bought was empty. She rented a room off a friend in her new home town in the end but she had no pets so it might be worth thinking up a plan if it takes longer.
    4 weeks to go until early retirement in December . Debt free and mortgage free.

    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
    • Orange Ena
    • By Orange Ena 13th May 17, 2:57 PM
    • 1,239 Posts
    • 3,274 Thanks
    Orange Ena
    Just read your diary from start to finish and what a roller coaster. So many congratulations on getting to grips with budgeting and your savings accounts, reducing your debt, renovating your house and last but not least getting a new job. Well done.

    Is your new job commutable from your current house in case it takes longer than you expect to sell? My daughter moved from Midlands back to the South West at the end of last year for a new and much better job. She had to sell her house in Midlands and buy a flat in the South West as much more expensive. She found a buyer within a few weeks in September 2016 but what with all the legal stuff and Christmas she did not actually complete until February 2017 and that is with a small chain as her buyer was an investor and the flat she bought was empty. She rented a room off a friend in her new home town in the end but she had no pets so it might be worth thinking up a plan if it takes longer.
    Originally posted by enthusiasticsaver
    Thanks enthusiastic, that's very kind of you. Yes lots of ups and downs!

    It's is commutable although it will be horrible I'm sure. It will be through Birmingham on the M6 but hoping the hours will mean it's a bit easier. I've sort of got a plan to stay over in my hometown the odd night if I really need a rest and I can get someone to feed my cats. I don't really want to leave my cats too much though as I'll miss and worry about them

    I hope your daughter is all sorted now. I'm sure it's very frustrating just waiting for things to happen but worth it in the end when you can move in and relax.
    Debt April 2015 - £6895.44 Debt April 2017 - £2500 May - £1455 Sept - £900
    CHEFS challenge (Cruise Holiday Entirely Funded by Surveys) - £327.26
    Every penny is a prisoner
    • Orange Ena
    • By Orange Ena 13th May 17, 3:08 PM
    • 1,239 Posts
    • 3,274 Thanks
    Orange Ena
    Sunday 7th
    * £3.45 in T3sco

    Monday 8th May
    * £30.34 in M0rrisons but £12 was cleaning products, air freshener, kitchen towels etc
    * £3.09 in T3sco
    * 0nep0ll surveys
    * Youg0v survey
    * VO survey
    * PA survey

    Tuesday 9th May
    * £3.40 in Wilk0
    * £2.30 in T3sco
    * 0nep0ll surveys
    * PA survey

    Wednesday 10th May
    * NSD
    * 0nep0ll survey
    * Opini0n Outp0st surveys and £2.50 redeemed and transferred to my CHEFS account
    * Youg0v survey
    * 2 PA surveys
    * VO survey

    Thursday 11th
    * £22.10 for fuel
    * £4.50 in T3sco
    * Youg0v survey
    * 0nep0ll surveys
    * 4 PA surveys
    * P0pulusLive survey
    * Opini0n Outp0st surveys

    Friday 12th May
    * £2.20 in the butchers
    * £3.99 in the c0-op
    * PA survey
    * 0nep0ll survey

    DMIC 3/12

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


    Just when things were looking up and there was a chink of light at the end of the tunnel, I've been dragged back into the darkness. On Sunday a pipe burst and flooded the downstairs of my house. It was like a high powered hose going off, but luckily I was here. It was the wrong side of the stopcock and it needed to be switched off outside and I was obviously in a panic and I couldn't think straight so I had to ring the fire brigade who could not have been lovelier. They were so helpful, and calming and reassuring, they checked my cats were ok, got all the water out and left me in a better state than when they arrived.

    My home emergency insurance thing sent someone but unfortunately they didn't have the right part so I was without water for 2 days in the end as the repairs got authorised too late on the Monday for the contactor to be sent. So that was a bit hellish. I kept having to nip out for the loo but I bought some big bottles of water eventually for flushing.

    I spent most of Sunday night crying and hardly slept and I couldn't face work on Monday, plus I had the insurance and repair calls to make so I had to take leave, and also leave on the Tuesday to get the water back on and for the insurance assessor to look at the damage. The kitchen has a bit of damage but the worst is in the lounge as all my laminate floor is lifting. Wednesday was my day off and luckily the company that originally fitted my kitchen and lounge were able to come and give me a quote for the repairs so I could send it to the insurance. Wednesday was also the day that the photos were taken for the estate agent so this burst pipe couldn't have happened at a worse time really. But the photos look amazing and all being well, I'll actually be on the market on Monday.

    Then on Thursday I heard from my new job with a conditional offer of appointment. They've confirmed my starting salary is on the lowest salary point for band 2 which is a bit of a blow. I'd read online somewhere that all new nhs starters are usually placed on the lowest point but people with nhs experience who are dropping bands can be put up higher. All my figures for the move have been based on a higher salary so that was obviously very silly of me. I feel at this point I've got nothing to lose so I emailed back asking if there was any negotiation and they haven't said no but have asked for my last payslip so maybe there's hope. Until I move I don't really know what my living costs will be, if I can afford to run a car etc so if I take the job at the lower wage, I'm stuck, probably getting into debt, feeling like I've made the worst choice.

    So this just tipped me over the edge on Thursday and I spent most of my time between patients crying as quietly as I could. It's actually quite frightening how easy it is for me to suck the tears up and plaster on a fake smile and pretend I'm interested in what people are saying.

    I rang to get a gp appointment as I felt I needed to go back on antidepressants, which I've been thinking about for a while, and to my surprise they offered me an appointment after work. She was lovely and she listened and I got a prescription so I'll start them today.

    Yesterday the insurance authorised the money to be allocated for the repairs, less £350 excess, which my emergency fund will luckily cover so I can get that sorted soon, and at least any house viewers can be reassured that it's all in hand. They have been very efficient which I'm grateful for.

    I had planned a weekend in my hometown so I could flat hunt but as I'm not yet on the market it seems a bit premature, plus I'm so tired after this week's shenanigans I decided to postpone it. I want a weekend of nothingness, no shopping, no cleaning, no surveys. To go back to bed after the cats are fed and to stay in my pyjamas. I even deactivated FB on Thursday so I can have a break from all the notifications, and no one can tag me in anything. It's been great so far. I was tempted to log on last night to see if any colleagues mentioned the nhs cyber attacks but then I realised I don't care if they did or not.

    I hope a weekend of wallowing, reading and resting will get me out of this slump. I feel like such a Debbie downer but things were looking up, and now right at this moment I don't feel that things are going to work out as I hoped. I'm trapped in my job for longer if I don't get the salary I need and that is just so frustrating but I'll still push on with the move either way so at least I can focus on that.

    I know things could be so much worse, I really do know that, but I'm feeling very sorry for myself.
    Debt April 2015 - £6895.44 Debt April 2017 - £2500 May - £1455 Sept - £900
    CHEFS challenge (Cruise Holiday Entirely Funded by Surveys) - £327.26
    Every penny is a prisoner
    • GoingToDoIt
    • By GoingToDoIt 13th May 17, 6:12 PM
    • 448 Posts
    • 3,163 Thanks
    GoingToDoIt

    Hi Ena, so sorry to hear of all of this! I can't find a hugs emoji!!!!
    Have a nice restful weekend. The house situation was awful but has been put back on track by the sounds of things. What an awful experience!
    The job situation is not all lost. Don't lose heart yet. If you're already in the NHS you have a decent arguement to keep the same salary. Just hope it all works out for you. Enjoy a quiet weekend- it's Eurovision tonight, I bet the kitten would love to watch
    Apr 16 Total cc 0% debt £8364/3499 updated 15 Oct 17
    • ChicaBonita
    • By ChicaBonita 13th May 17, 8:24 PM
    • 625 Posts
    • 1,357 Thanks
    ChicaBonita
    Ena so sorry to hear all this, these things are sent to try us!! I hope you've taken this weekend for yourself, you definitely need (and deserve!) the recuperation! I also love that you mention feeding the cats THEN going back to bed - if yours are anything like mine there is no sleeping in the morning until they are properly fed
    House Deposit:£11,300.71/£14,000 = 80.71% Money Made'17 August: £41.04July:
    £4.95
    June: £5.35 May:£30.30April: £51.09March:£28.25Feb: £120.47 Jan:£14.35
    Total Made '16:£284.60
    • doingitanyway
    • By doingitanyway 13th May 17, 10:23 PM
    • 2,098 Posts
    • 9,702 Thanks
    doingitanyway
    So sorry to hear you have been having such a tough time.
    The banding issue looks promising (fingers crossed) as they seem to be taking the request seriously.
    The house situation sounded awful. Poor you! I hope your duvet weekend does you some good and you emerge into a better tomorrow. Hugs, DIA x
    JANUARY 2016/SECURED DEBT=24,822/November 2017=4,525
    MORTGAGE FREE 25/07/16
    • BettyBones
    • By BettyBones 13th May 17, 11:04 PM
    • 158 Posts
    • 312 Thanks
    BettyBones
    Awww.... Ena... that's pants! Have another duvet day tomorrow and hopefully things will look a little brighter with the dawn of a new week on Monday I popped into my Mum's today and borrowed a muffin tray (I know right... check me out attempting to bake!) and if I could send you a cake to cheer you up, I would. Although I haven't actually made any yet, so I'm sending you a big hug instead x
    If you can dream it, you can do it - Walt Disney
    • crazy_cat_lady
    • By crazy_cat_lady 14th May 17, 4:56 AM
    • 3,369 Posts
    • 28,913 Thanks
    crazy_cat_lady
    Ah no - what an absolutely rubbish thing to happen, and it would test the stress levels of anyone. I'm pleased you've just allowed things to happen though and not given yourself a hard time over not going to work, and having days of doing nothing. I really hope that things are on the up for you.
    It's definitely worth asking re your salary. My bestie works for the nhs and she had to drop a band when she changed jobs but she negotiated a higher point on the band (or something) - and she really quickly worked her way up again. So there's definitely scope for it. And as my mam says - shy bairns get no broth.
    Keep being kind to yourself - and give the cats a big cuddle from this crazy cat lady
    NSTSeptember #32 NSD 8/18 RYSAW17 #1 £1313.42 20p Savers #88 £1 a day for Xmas # DFD 6 Nov 15 - paid £28,447
    • Orange Ena
    • By Orange Ena 12th Jun 17, 10:38 PM
    • 1,239 Posts
    • 3,274 Thanks
    Orange Ena
    Thanks ladies, sorry I've been AWOL. I do appreciate your kind thoughts xx

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

    I'm just going to post all my daily activities to catch me up. Ignore it, it's just so I've got a record in one place!

    Saturday 13th May
    * NSD

    Sunday 14th May
    * NSD
    * Youg0v survey

    Monday 15th
    * £8.55 in T3sco
    * 0nep0ll surveys
    * PA survey
    * Youg0v survey

    Tuesday 16th May
    * £14.95 in T3sco, for lunch and a box of Kr1spy Kr3m3s as a thank you
    * £30 for fuel
    * 0nep0ll surveys

    Wednesday 17th May
    * £9.16 in L1dl
    * PA survey
    * 0nep0ll surveys
    * Youg0v survey

    Thursday 18th May
    * NSD
    * PA survey
    * 0nep0ll surveys
    * P0pulusLive survey

    Friday 19th May
    * £9.49! in the c0-op
    * £11 in Chimichangas for a meal, friend bought my dessert as I drove
    * 0nep0ll surveys

    Saturday 20th May
    * £25.01 received from TCB, I used to count this as I earned it but sometimes I don't get it or its a different amount so I'm only adding it to my figures once the cold hard cash is in my account!
    * £10.14 in T3sco
    * £37.25 for a huge bag of cat food for little cat
    * 0nep0ll survey
    * 2 Youg0v surveys
    * PA survey
    * VO survey
    * Opini0n Outp0st survey

    Sunday 21st May
    * NSD

    Monday 22nd May
    * NSD
    * 0nep0ll survey
    * Youg0v survey
    * Opini0n Outp0st surveys and £2.50 redeemed and transferred to my CHEFS account
    * VO survey

    Tuesday 23rd May
    * £30 for fuel
    * £13.50 + £3.69 in T3sco
    * 0nep0ll surveys
    * Youg0v survey

    Wednesday 24th May
    * £20.32 received from PA
    * £5.50 for the toll road
    * £4.90 car park
    * £3.50 for breakfast in M0rrisons
    * £1.45 in T3sco
    * 0nep0ll surveys
    * Opini0n Outp0st survey and £2.50 redeemed and transferred to my CHEFS account
    * Youg0v survey
    * 2 PA surveys

    Thursday 25th May
    * £6.21 in T3sco
    * £20 for fuel
    * 0nep0ll surveys
    * 2 PA surveys plus 25p bonus

    Friday 26th May
    * £3.10 in the co-op
    * PA survey
    * Youg0v survey
    * VO survey

    Saturday 27th May
    * £41.04 in M0rrisons
    * £4.70 in T3sco
    * £5.60 in B00ts
    * Opini0n Outp0st surveys
    * VO survey

    Sunday 28th May
    * NSD
    * PA bonus 9p

    Monday 29th May
    * NSD
    * PA survey
    * 0nep0ll survey

    Tuesday 30th May
    * £10.31 in M0rrisons
    * £6 in P0undw0rld
    * £2.77 in H0me Barg@ins
    * Youg0v survey
    * 0nep0ll surveys
    * VO survey
    * PA surveys

    Wednesday 31st May
    * NSD
    * PA surveys
    * 0nep0ll surveys
    * Opini0n Outp0st surveys


    Decluttered
    121. a tea towel which doesn't absorb any water. Despite matching my kitchen decor, it does not match my expectations of an effective tea towel so out it goes. And in the bin rather than to the charity shop......I won't inflict that disappointment on anyone else.
    122. 26 magazines, all unread
    123. 3 puzzle books
    Debt April 2015 - £6895.44 Debt April 2017 - £2500 May - £1455 Sept - £900
    CHEFS challenge (Cruise Holiday Entirely Funded by Surveys) - £327.26
    Every penny is a prisoner
    • Orange Ena
    • By Orange Ena 12th Jun 17, 10:40 PM
    • 1,239 Posts
    • 3,274 Thanks
    Orange Ena
    May stats

    PA - £32.03....................total YTD £134.39
    Youg0v - 700pts/£7.00..................total YTD £34
    SB - 0.....................total YTD 1107SB
    Pinec0ne - 0....................total YTD £6
    P0pulusLive - £4..................total YTD £37
    VO - £8.50..................total YTD £33.75
    TCB - £25.01................total YTD £26.75
    i-S@y - 0..................total YTD 465pts
    Inb0x£s - 51p..................total YTD £2.31
    Other income - £1.50...................total YTD £54.34
    Roadkill - 0..................total YTD 13p
    0nep0ll - £10.15...................total YTD £45.10
    Opini0n Outp0st - £12.25.......................total YTD £55.95

    April total - £100.95
    Year to date - £434.72


    Other totals:

    • Nati0nwide sweeps - 0..................total YTD 0
    • FD sweeps - 0.................total YTD 0
    • NSD's - 12...............total YTD 57
    • Books read - 0....................total YTD 0
    • DVD's watched - 0....................total YTD 0

    DMIC 6/31
    CHEFS account £121.20
    Debt April 2015 - £6895.44 Debt April 2017 - £2500 May - £1455 Sept - £900
    CHEFS challenge (Cruise Holiday Entirely Funded by Surveys) - £327.26
    Every penny is a prisoner
    • Orange Ena
    • By Orange Ena 12th Jun 17, 10:55 PM
    • 1,239 Posts
    • 3,274 Thanks
    Orange Ena
    Nearly up to date........

    Thursday 1st June
    * NSD
    * PA surveys
    * 0nep0ll surveys
    * P0pulusLive survey
    * Opini0n Outp0st surveys and £2.50 redeemed and transferred to my CHEFS account

    Friday 2nd June
    * £9.36 in the c0-op
    * £33.95 for fuel, should have been £35.50 but had a 5p off per litre voucher
    * £38.70 for tickets
    * PA survey 35p bonus
    * 0nep0ll surveys

    Saturday 3rd June
    * £10 for a craft class
    * £22.20 for craft stuff
    * £27.30 in H0bbycraft for more craft stuff
    * £6.29 in T3sco
    * PA survey
    * VO survey
    * Youg0v survey

    Sunday 4th June
    * NSD
    * Youg0v survey
    * PA surveys
    * i-S@y survey

    Monday 5th June
    * £4.30 cash for the car park
    * £19.95 for tickets
    * Youg0v surveys
    * PA survey

    Tuesday 6th June
    * £30.75 in T3sco, including a father's day pressie
    * PA surveys!
    * 0nep0ll survey
    * Opini0n Outp0st survey

    Wednesday 7th June
    * £12.32 in L1dl
    * Youg0v survey
    * PA surveys

    Thursday 8th June
    * NSD
    * PA surveys
    * 0nep0ll surveys
    * Opini0n Outp0st survey
    * P0pulusLive survey

    Friday 9th June
    * £22.25 received from PA
    * £10 for fuel
    * £7.74 in the c0-op
    * PA surveys
    * 2 VO surveys

    Saturday 10th June
    * £25 for fuel
    * £54.64 in M0rrisons, including a dvd, washing powder, cleaning stuff, cat food, hardly any food for me really
    * Youg0v survey
    * PA surveys

    Sunday 11th June
    * NSD
    * PA surveys

    Today
    * £4.30 in C0sta
    * Youg0v survey
    * PA survey bonus 30p and £20.05 requested
    * Opini0n Outp0st survey
    Debt April 2015 - £6895.44 Debt April 2017 - £2500 May - £1455 Sept - £900
    CHEFS challenge (Cruise Holiday Entirely Funded by Surveys) - £327.26
    Every penny is a prisoner
    • Orange Ena
    • By Orange Ena 12th Jun 17, 11:31 PM
    • 1,239 Posts
    • 3,274 Thanks
    Orange Ena
    Righhhhtttt, 3.2.1. back in the room

    I've taken a bit of an extended break from everything, social media and here. But I've still be doing surveys. The one constant in my life is my beloved surveys

    Everything has been a bit !!!! really. Job. House. Life. I know I'm really lucky, and it's nothing terrible, but I'm miserable with it all.

    Now I've finally made the decision to change things after years of moaning, I'm getting very impatient to still be waiting for action. Boring myself and others no doubt with all my moans.

    Job
    There's no extra money for this job, lowest point band 2, take it or leave it. I want to take it, desperately, but I can't until I'm living in my hometown. I can't afford to commute for long, it's probably going to be £200+ for petrol, plus buying a car after my lease car goes back, plus my current mortgage. When I'll only probably be taking home £1100 pm, it's just not doable. I don't want to get to be 7k in debt again with very little scope for paying it off.

    House
    Been on the market 4 weeks. 5 viewers, good feedback but no offers. I can't afford to go too low as I need as much as I can get as my hometown is more expensive. But I'm not getting offers anyway. I'm sick to death of keeping it clean I really need to sell soon as I've seen a flat I like in a lovely area, great price and reasonable lease costs, but I can't proceed until I sell mine.

    So I've asked the new job if they can wait until I move, not till I've sold, till I've definitely moved, which could be months. I can't commit to the job on the basis of having an offer as anything could happen then I'm absolutely stuffed. But I can commute from my hometown to my current job as I'll have the car, the money and more time as it's better hours. It's a long shot but if they can't budge on the pay, which I understand, I can't afford to commute for x amount of months. Still waiting to hear but I suspect it'll be a big fat no, which I'm ok with. I want to take it but I want to not be in debt more. I've sort of resigned to the fact that I will still be in my current job a few more months but at least I'll be able to move, when the time comes, on the strength of my current wage, plus I'll be able to save a bit more.

    Waiting waiting waiting for other people to make decisions on what will happen in my life. Unless I'm blind, there's nothing else I can do but wait. Well, maybe keep the house clean and carry on with the surveys, obvs

    I'm trying to forget about all of this and other stuff going on so that I can get out of my mood and enjoy my big birthday weekend! I don't want any bad news this week, I only want good news and good things and good times with friends and family.

    I've got a really nice weekend planned. Lunch with friends Friday, back to my hometown and chill on Friday night. Lunch, bowling and laser quest on Saturday with a meal at night then afternoon tea on Sunday. Nothing wild, but I'm really looking forward to it. Shame I'm a bit skint, been quite spendy but if I have to borrow a little from savings, then that's fine. You only turn 40 once
    Debt April 2015 - £6895.44 Debt April 2017 - £2500 May - £1455 Sept - £900
    CHEFS challenge (Cruise Holiday Entirely Funded by Surveys) - £327.26
    Every penny is a prisoner
    • lcc86
    • By lcc86 13th Jun 17, 8:21 AM
    • 903 Posts
    • 2,380 Thanks
    lcc86
    Hi Ena, sorry to hear that the job hunt is frustrating you, it must be so difficult. I hope something changes for you soon! I don't know if this is an option but is there anyone you could stay with in your home town while you sell your place? Just trying to think of ways you could take the job before selling (although I know its far from ideal).
    1/12/14 total £9,140 DFD 30/01/17
    http://forums.moneysavingexpert.com/showthread.php?t=5124473 - my original DFD

    25/08/17 new total £802 back in debt but determined clear it by February 2018! 17/11/17 - £110 2017 365 day challenge £597 saved for emergency fund
    • doingitanyway
    • By doingitanyway 13th Jun 17, 7:03 PM
    • 2,098 Posts
    • 9,702 Thanks
    doingitanyway
    Thanks for updating. I had been wondering if you were absent due to the new job. You are doing great. You just need to keep on keeping on and it will all come right. It will.
    JANUARY 2016/SECURED DEBT=24,822/November 2017=4,525
    MORTGAGE FREE 25/07/16
    • Orange Ena
    • By Orange Ena 25th Jun 17, 10:02 PM
    • 1,239 Posts
    • 3,274 Thanks
    Orange Ena
    Hi Ena, sorry to hear that the job hunt is frustrating you, it must be so difficult. I hope something changes for you soon! I don't know if this is an option but is there anyone you could stay with in your home town while you sell your place? Just trying to think of ways you could take the job before selling (although I know its far from ideal).
    Originally posted by lcc86
    Thanks lcc. It certainly is frustrating at the moment. Now I've made the decision to move and change my job, I just want it to happen. I'm normally quite good at waiting but I think I've waited long enough to change my life

    My brother and sister in law have offered to put me up for a bit but they have an aggressive cat and I have 2 and they wouldn't get on, plus they may have to find somewhere else to live as the landlady needs her house back. I could leave my cats here and get someone to feed them but I'd miss them so much and I really don't think that is an option. If I knew it was for a few weeks I could possibly do it but if the house sale fell through, I'd be stuck. Thanks for the suggestions though.

    Hope you're getting on OK
    Debt April 2015 - £6895.44 Debt April 2017 - £2500 May - £1455 Sept - £900
    CHEFS challenge (Cruise Holiday Entirely Funded by Surveys) - £327.26
    Every penny is a prisoner
    • Orange Ena
    • By Orange Ena 25th Jun 17, 10:10 PM
    • 1,239 Posts
    • 3,274 Thanks
    Orange Ena
    Thanks for updating. I had been wondering if you were absent due to the new job. You are doing great. You just need to keep on keeping on and it will all come right. It will.
    Originally posted by doingitanyway
    Thanks for dropping by DIA

    I really hope so, thank you, I'm not giving up yet. Everytime I think of collapsing into a blubbering wreck, I roar a bit and get annoyed with myself and get myself ready for battle. I will get through it, I will get the life I want and it will be all the more sweeter x
    Debt April 2015 - £6895.44 Debt April 2017 - £2500 May - £1455 Sept - £900
    CHEFS challenge (Cruise Holiday Entirely Funded by Surveys) - £327.26
    Every penny is a prisoner
    • doingitanyway
    • By doingitanyway 25th Jun 17, 10:23 PM
    • 2,098 Posts
    • 9,702 Thanks
    doingitanyway
    Keep roaring
    JANUARY 2016/SECURED DEBT=24,822/November 2017=4,525
    MORTGAGE FREE 25/07/16
    • Orange Ena
    • By Orange Ena 25th Jun 17, 10:52 PM
    • 1,239 Posts
    • 3,274 Thanks
    Orange Ena
    Another break from things but the money saving and making continues

    I had a brilliant weekend last weekend.....turning 40 wasn't so bad. I did a survey late on Friday night and when it asked for my age, I thought to myself that it was going to be the last time I could put 39! I'm now in a new age category so hopefully the surveys won't dry up

    I met up with friends, saw family, ate far too much and giggled a lot. I've got lots of photos so I'll be framing some and making a scrapbook album as a memory.

    Anyway, back down to it now.......

    Tuesday 13th June
    * £16.50 in T3sco, lunch and a present
    * VO survey!
    * PA survey
    * Opini0n Outp0st survey

    Wednesday 14th June
    * £20.60 for a dental check-up
    * £60 for my hair cut and colour
    *! £17.64 in M0rrisons
    * £22 for a new top
    * PA surveys
    * 0nep0ll surveys
    * Opini0n Outp0st survey and £2.50 redeemed and transferred to my CHEFS account
    * VO surveys and a £15 Am@zon voucher redeemed!!

    Thursday 15th June
    * NSD
    * 0nep0ll surveys
    * PA surveys

    Friday 16th June
    * £56.14 for a vet appointment for poorly cat
    * £7 for lunch out with friends, should have been £10 but I didn't realise till I checked my online banking as he didn't give me a receipt. He did wish me a happy birthday though so perhaps it was a discount Not complaining
    * 0nep0ll surveys
    * PA surveys and £20.05 received from PA

    Saturday 17th June
    * £30.51 at the vets
    * £30 for fuel
    * £15 for lunch in Frankie and Benny's
    * £8.91 in T3sco
    * £24.95 for dinner
    * £3.90 in T3sco

    Sunday 18th June
    * NSD
    * PA survey
    * Youg0v survey
    * Opini0n Outp0st survey

    Monday 19th June
    * £25.67 in M0rrisons
    * 0nep0ll surveys
    * PA surveys
    * VO surveys

    Tuesday 20th June
    * £79 to my friend for a spa night away, been saving £10 a month so this was covered
    * PA surveys
    * 0nep0ll surveys
    * Opini0n Outp0st survey

    Wednesday 21st June
    * NSD
    * PA surveys
    * Opini0n Outp0st survey
    * 0nep0ll surveys
    * Youg0v survey

    Thursday 22nd June
    * £2.78 at the vets
    * PA surveys
    * 0nep0ll surveys

    Friday 23rd June
    * £5.49 in the C0-op
    * £4.50 in T3sco
    * 0nep0ll surveys
    * Youg0v survey

    Saturday 24th June
    * £19 for a pretty necklace
    * £4 for 2 hanging plaques, reduced in a sale, for Christmas presents
    * £10 for a chest of drawers in a charity shop, I'll probably give this to me dad as he's been wanting to paint something for a project and then to try and sell it on. But then it looks better quality than the drawers in my spare room so I might do a swapsie and give him those instead
    * £4.70 in C0sta, met an old colleague I haven't seen in about 14 years!
    * £12 for fuel
    * £6.10 in T3sco
    * £5 cash for a face to face interview plus follow up online survey
    * PA surveys
    * VO survey

    Today
    * £33.45 for some craft stuff
    * £5.47 getting some photos printed on Sn@pfish, half price offer and via TCB with 21p tracking
    * £4.23 at H0lland and Barr3tt, using a voucher I had and the buy one half price thing, plus via TCB with 42p tracking
    * Opini0n Outp0st survey
    * PA surveys

    DMIC (Daily Mortgage Interest Challenge - making more than £4.06 a day) 11/25
    CHEFS account 191.06

    There was a knock at the door yesterday evening and someone from Ips0s M0ri was looking for participants for an interview and a follow up survey. She looked hot and tired and I'm sure knocking endless doors is hard work, and as my house was reasonably tidy following viewers the day before I invited her in. We did the interview and she gave me details for the survey that I need to do online and then presented me with a fiver for my time......result! Straight in my CHEFS account

    It's payday tomorrow which is good as I've been a tad spendy. Too much craft stuff, some frittering but definitely need to rein it in a bit. I did have birthday money which has lessened the blow and I have really treated myself. Partly because I haven't really been very frivolous for ages and partly to cheer myself up I've also got a free facial with my usual lady *twas a birthday pressie* so the money I've saved for that will be transferred to my emergency fund. And a couple of friends clubbed together for a spa day so I'll probably save that for later in the year. They want to go too so we'll sort dates. My other spa night away is in August so I don't want too much indulgence in one go, oh no!

    My CHEFS account (Cruise Holiday Entirely Funded by Surveys) is nearly at £200 which is amazing considering I started mid March. I really think I'll be able to do it

    I've had 7 viewers for the house now but no offers But some good news is that my new job is willing to wait for me for a bit, not a year, but a reasonable amount of time. They understand my predicament and I am so grateful that all is not lost. Just need the house sold.....that's the key to everything

    Back to work tomorrow unfortunately. I'm only working the morning then I have my appraisal which I've done zero prep for I usually wing it on the day so nothing changes and I care even less this year funnily enough.
    Debt April 2015 - £6895.44 Debt April 2017 - £2500 May - £1455 Sept - £900
    CHEFS challenge (Cruise Holiday Entirely Funded by Surveys) - £327.26
    Every penny is a prisoner
    • Orange Ena
    • By Orange Ena 25th Jun 17, 10:55 PM
    • 1,239 Posts
    • 3,274 Thanks
    Orange Ena
    Keep roaring
    Originally posted by doingitanyway
    Rraarrrrrr
    Debt April 2015 - £6895.44 Debt April 2017 - £2500 May - £1455 Sept - £900
    CHEFS challenge (Cruise Holiday Entirely Funded by Surveys) - £327.26
    Every penny is a prisoner
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

130Posts Today

1,727Users online

Martin's Twitter