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  • FIRST POST
    • natsplatnat
    • By natsplatnat 4th Jul 14, 10:31 AM
    • 2,555Posts
    • 2,223Thanks
    natsplatnat
    My Diary v3.0
    • #1
    • 4th Jul 14, 10:31 AM
    My Diary v3.0 4th Jul 14 at 10:31 AM
    Hi All!!

    Well, here it is... "My Diary v3.0"

    My previous diaries (don't panic, there are only 2!) can be found here....

    http://forums.moneysavingexpert.com/showthread.php?t=1303349&highlight=

    http://forums.moneysavingexpert.com/showthread.php?t=2961314


    Today, my signature looks like this...

    LBM ,- Wed 19th Nov 2008 £19,225
    JAN 11: ONLY 170 0X £100 PAYMENTS TO GO *bank of OH @ 0%*
    *A WORK IN PROGRESS!*
    *2014 cashback pending £78.98, PAID £138.35*
    (2011=£137.30, 12=£66.39. 13=£102.61)
    Iceland fund £458.12/ 1000 EBAY £205.50

    And I should be jumping up and down with joy as it shows that I have made my last payment of 170 x £100 to my darling OH (he lent me the money interest free to clear my debts!!).

    But.... actually, that should be But (coz its a big but) here I am starting a new diary on the DFW diary forum.

    And that is because over the duration of my last diary (starting November 2011) I have re-borrowed £6862.26 from my darling OH! To be honest, he is sooo useless with money, that I could tell him tonight that I made my last payment to him today and he wouldn't have a clue whether that was right or not! (But he does know I have re-borrowed this amount.)

    But that is not an option. Bless him, he even said a few months ago that I don't need to pay him back any more. But, this is my debt, I spent the money, and I will repay it... in full!

    So, I am going to continue doing what I have been doing. Repaying £100 a week for the next 69 weeks. By my reckoning that puts my last (and I do mean last) payment as the 30th October 2015!!! GULP!

    I do have a little plan though (from my previous diaries, you will note that I like a plan!). I am currently setting aside money for a trip to Iceland next year for OH's 50th birthday. £10 a week as a definite, an extra £10 a month from the reduction in my car insurance premium, all cashback earned and some account rounding-down. Target for this is £1000 by December. I am pretty much on track for this.

    So, once this is done I am going to keep setting this money aside to bring my debt-free date forward. Minimum £10 a week, starting next year!

    Oh, and I still running several spreadsheets! I honestly could not live without them!

    So, there is my sin confessed - you have got me for a bit longer!

    Feel free to pop in and keep me company! Nats x
    Last edited by natsplatnat; 02-10-2015 at 9:28 AM.
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £46.29, paid £44.49*
    (2011=£137.30, 12=£66.39, 13=£102.61, 14=£214.97, 15=£159.51 16=£213.05)
    Pro.Ac £9.45 + £95.04 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

Page 25
    • natsplatnat
    • By natsplatnat 12th May 17, 11:18 AM
    • 2,555 Posts
    • 2,223 Thanks
    natsplatnat
    Slightly miffed this morning! Just been balancing my accounts against my lovely spreadsheet and noticed that no interest has been paid into one account. Upon further investigation it is because I didn't pay the obligatory £500.00 for the month of April.... well, I did - but one payment went in early so caught the end of March, and the other payment went in late because of a weekend and arrived in May. Pah! I know it's only £4.00 ish but it should be mine!! lol
    I have jiggled some pennies around to make sure as much interest as possible is being earned.
    Just taken the opportunity of a quiet 5 mins in the office to complete a Pro.Ac survery for £2.00 - probably the best survey site I have used over the years.
    One fleabay item now has 2 watchers - fingers crossed it goes!
    That's it from me for now! Have a great weekend all! xxx
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £46.29, paid £44.49*
    (2011=£137.30, 12=£66.39, 13=£102.61, 14=£214.97, 15=£159.51 16=£213.05)
    Pro.Ac £9.45 + £95.04 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • natsplatnat
    • By natsplatnat 13th May 17, 9:45 AM
    • 2,555 Posts
    • 2,223 Thanks
    natsplatnat
    Happy Saturday All!


    At work this morning, which is a bit of a shocker after having 3 weekends off! But it's only until 2 - so could be worse!
    Nothing else moving on fleabay
    Pro.Ac up to £11.31 which is encouraging! I am aiming to get to £20 by the end of May so I can withdraw it!
    Hoping to dig out some old paperwork of OH's at some point over the weekend. I am convinced he can claim mis-selling of PPI on some old store cards and CC's. He doesn't think so - so like with his old loan, I will have a look into it for him! If there's not there's not... but if there is...!!


    House-work and chilling will be the agenda for the rest of the weekend, although may pop out for a walk tomorrow!
    Have a great weekend everyone! Nats xxx
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £46.29, paid £44.49*
    (2011=£137.30, 12=£66.39, 13=£102.61, 14=£214.97, 15=£159.51 16=£213.05)
    Pro.Ac £9.45 + £95.04 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • natsplatnat
    • By natsplatnat 15th May 17, 1:41 PM
    • 2,555 Posts
    • 2,223 Thanks
    natsplatnat
    Had a look through the MSE "Resolver" tool for re-claiming ppi - looks like it will be worth a go. Went through a box of paperwork (that I only found about 5 weeks ago) dating back to around 2003 - nothing of much help in there. Have dug out the file I started a couple of years back when I first intended to re-claim OH's ppi. That has a full list of cards etc that we think had mis-sold ppi on them. Need to go back further in the boxes of paperwork though to find application forms etc.... or it will be a case of requesting them from the relative places).


    Have decided maybe I should keep a little spending diary - I feel that since becoming DF I have become a little more relaxed with my spending and whilst it's not out of control by any means, I think I should have a look at it.
    So, here goes....
    MAY
    Monday 15th - £5.35 (salad items for lunch, will last 3 days!)
    Tuesday 16th - £0.00
    Wednesday 17th - £0.00
    Thursday 18th - £3.00
    Last edited by natsplatnat; 19-05-2017 at 10:26 AM.
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £46.29, paid £44.49*
    (2011=£137.30, 12=£66.39, 13=£102.61, 14=£214.97, 15=£159.51 16=£213.05)
    Pro.Ac £9.45 + £95.04 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • natsplatnat
    • By natsplatnat 19th May 17, 10:40 AM
    • 2,555 Posts
    • 2,223 Thanks
    natsplatnat
    Ok, so one of my habits from when I was on my DF path was to withdraw £30 a week (on a Friday as I used to be paid every Friday) to cover all my 'bits n pieces'. Lunch, the gym class on a Weds, a mid-week drink with OH etc. And I still do it now. So, out of last weeks £30 I have £3.50 left.. so this weeks 'cash in purse' is £33.50. I have £10 to pay on Wed for 2 x circuits classes but that's it. Let's see where it goes! lol
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £46.29, paid £44.49*
    (2011=£137.30, 12=£66.39, 13=£102.61, 14=£214.97, 15=£159.51 16=£213.05)
    Pro.Ac £9.45 + £95.04 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • natsplatnat
    • By natsplatnat 24th May 17, 1:28 PM
    • 2,555 Posts
    • 2,223 Thanks
    natsplatnat
    First pay where a deduction is made for the workplace pension... Deduction = £23.45
    Have been thinking and not sure that boosting payments into this is the right way forward - maybe I need to look into having a private pension? One thing I have never got my head around to be fair so any tips or things to think about are most welcome!!


    Nats x
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £46.29, paid £44.49*
    (2011=£137.30, 12=£66.39, 13=£102.61, 14=£214.97, 15=£159.51 16=£213.05)
    Pro.Ac £9.45 + £95.04 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • natsplatnat
    • By natsplatnat 26th May 17, 1:54 PM
    • 2,555 Posts
    • 2,223 Thanks
    natsplatnat
    Ok, so re-cap on my weekly spend....
    It went a bit wrong - so I 'borrowed' £10 from this weeks £30 to cover the 2 classes I needed to book.
    So, £20 to get me through the next week. Should be do-able although we are visiting relatives from Sat pm to Mon pm.
    Have a great weekend All! Take time to enjoy the lovely weather with the people you love x
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £46.29, paid £44.49*
    (2011=£137.30, 12=£66.39, 13=£102.61, 14=£214.97, 15=£159.51 16=£213.05)
    Pro.Ac £9.45 + £95.04 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • natsplatnat
    • By natsplatnat 30th May 17, 8:36 AM
    • 2,555 Posts
    • 2,223 Thanks
    natsplatnat
    Nothing like starting your bank holiday weekend by getting a call from OH to say he has managed to block the pin on the CC!! 3 phone calls to the card co. and many different cash points I think it is all fixed - just need to check mine (as the primary card holder it blocked mine too!).
    Great news on the fleabay front - 2 items sold so they will be posted today. £40 withdrawn... £20 me and £20 for the household account (leaving some in Ppal for selling fees etc).
    Have withdrawn £4.84 from Q.co and my balance in Pro.Ac is £15.69 (getting there s l o w l y!)
    Have a total of 12 days house-sitting end the end of this month into July, which will go to the SLF to repay myself YAY!
    Right, I am off to do a round up on my accounts - hope everyone has a lovely 4 day working week! x
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £46.29, paid £44.49*
    (2011=£137.30, 12=£66.39, 13=£102.61, 14=£214.97, 15=£159.51 16=£213.05)
    Pro.Ac £9.45 + £95.04 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • natsplatnat
    • By natsplatnat 2nd Jun 17, 11:39 AM
    • 2,555 Posts
    • 2,223 Thanks
    natsplatnat
    Erm.... just bought a pair of shoes!!! oops!


    Well, they were on G.pon and I just fell in love - but I did get 8% cashback through TCB. Not so bad ... and they were only £14.97 inc postage so I am not going to feel bad about it!
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £46.29, paid £44.49*
    (2011=£137.30, 12=£66.39, 13=£102.61, 14=£214.97, 15=£159.51 16=£213.05)
    Pro.Ac £9.45 + £95.04 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • natsplatnat
    • By natsplatnat 2nd Jun 17, 12:47 PM
    • 2,555 Posts
    • 2,223 Thanks
    natsplatnat
    WHOOP! Just need my last few survey submissions to be approved and then I can withdraw £20.19 (min) from Pro.Ac! Straight into repaying my SLF!! = Happy Nat xxx
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £46.29, paid £44.49*
    (2011=£137.30, 12=£66.39, 13=£102.61, 14=£214.97, 15=£159.51 16=£213.05)
    Pro.Ac £9.45 + £95.04 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • kdalwayskint
    • By kdalwayskint 5th Jun 17, 9:23 PM
    • 470 Posts
    • 1,619 Thanks
    kdalwayskint
    Hi Nats
    Hope all well, I popped in to say hi, realised the last time I came in was to wish you a happy Christmas!
    Usual drama here, son is not currently working and same situation with the on off girlfriend!
    Lovely little grandson, born 17th March, St Patrick's day which pleased all the Irish family
    Spent a small fortune setting my son and on off girlfriend up in a flat for my son to come back home within a week!
    Slowly building my little savings pot back up, but didn't touch anything in my car fund so that is good
    I'll try and pop in more often my lovely.
    Catch you soon
    Saving for Christmas 2017 # ~ £196.37/£365
    Emergency Fund #55 £100.89/£1000
    Car Fund £430.26 ~ Bank of Mum £3400/£5000
    DFW Nerd #1155
    LBM 25/2/09 Debt at highest £8,037.35 now £0 Credit Card £1396.78
    • natsplatnat
    • By natsplatnat 9th Jun 17, 5:09 PM
    • 2,555 Posts
    • 2,223 Thanks
    natsplatnat
    £21.24 balance on Pro.Ac - but only £19.89 available... Grrr, this is sooo frustrating! lol


    Hi KD - time definitely runs away!! Sounds like you've had a pretty mad start to the year - hopefully it will start to calm down now.
    I've just been rattling away here - nothing particularly interesting to be honest, so you haven't missed much!


    My G.on shoes arrived and I love them... OH isn't too sure about them - but I don't care! lol


    Working this weekend and then getting my hair cut - a little apprehensive to be honest as my usual hairdresser has left and I have had to book with someone else! We shall see.... I will be giving very exact details as to how I want it done!!


    Have a great weekend all - catch you next week! Nats x
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £46.29, paid £44.49*
    (2011=£137.30, 12=£66.39, 13=£102.61, 14=£214.97, 15=£159.51 16=£213.05)
    Pro.Ac £9.45 + £95.04 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • kdalwayskint
    • By kdalwayskint 11th Jun 17, 8:36 PM
    • 470 Posts
    • 1,619 Thanks
    kdalwayskint
    Hi Nats

    I'm the same with having my hair cut, these days there are only two people I will let cut my hair, my regular hairdresser and my aunt, she owns a salon in Kent so it's a bit far to have it done with her too often!

    Things have definitely been difficult with my son and grandson, things seem to be calm at the moment!

    Well done to you on clearing your student loan by the way

    Catch you again soon
    Saving for Christmas 2017 # ~ £196.37/£365
    Emergency Fund #55 £100.89/£1000
    Car Fund £430.26 ~ Bank of Mum £3400/£5000
    DFW Nerd #1155
    LBM 25/2/09 Debt at highest £8,037.35 now £0 Credit Card £1396.78
    • natsplatnat
    • By natsplatnat 13th Jun 17, 2:40 PM
    • 2,555 Posts
    • 2,223 Thanks
    natsplatnat
    Well, hair is cut... it's not bad - but she seemed to have an adversion to cutting the back (at the top of my neck) really short. 3 time she asked and I said "no, shorter please!" I would have thought after a chat about how quickly my hair grows she would have got the gist! I hope she doesn't think I am going back sooner! lol. But it's a lot better than a) it was; and b) what it could have been. She will get another go when it next needs doing!


    Pro.Ac is up to £21.69 in total and still not at £20.00 approved for withdrawal. Grrr - I am soooo impatient. I have to keep updating my spreadsheet though which is a bit of a bonus!


    Got my dates wrong and I am house-sitting this weekend instead of next! Not a problem and will be a few pounds in the pot. Will probably get paid after I do a bigger stint for the same person in a fortnight. I reckon around £120 in total! I do it as a favour really, but the money is always nice (of course it is!) I was talking to my friend in America who does some house-sitting out there and she can get paid $30+ per night depending on the number of pets / children / both there are!! I was like WOW!


    I haven't been great at tracking where my actual cash goes - but I know enough to realise I am not as strict with myself as I once was - although, I can now afford not to be. So I am not going to beat myself up about it. It all goes in my wonderful spreadsheet so I can see what is happening! Will keep an eye on those little bits n pieces becoming bigger and more frequent though!


    Nats x
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £46.29, paid £44.49*
    (2011=£137.30, 12=£66.39, 13=£102.61, 14=£214.97, 15=£159.51 16=£213.05)
    Pro.Ac £9.45 + £95.04 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • natsplatnat
    • By natsplatnat 15th Jun 17, 8:02 AM
    • 2,555 Posts
    • 2,223 Thanks
    natsplatnat
    Morning All!




    Pro.Ac up to £22.69 and still not cleared £20.00 to cash out! Booo!
    This weekend is looking like being a scorcher - always good to hear when you are house-sitting by the beach!! ;O)


    Circuit training last night was brutal - it was sooo hot, it was like being in a sauna!
    That's me up to date now! xxx
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £46.29, paid £44.49*
    (2011=£137.30, 12=£66.39, 13=£102.61, 14=£214.97, 15=£159.51 16=£213.05)
    Pro.Ac £9.45 + £95.04 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • natsplatnat
    • By natsplatnat 16th Jun 17, 11:19 AM
    • 2,555 Posts
    • 2,223 Thanks
    natsplatnat
    Pro.Ac up to £23.69 and still not cleared £20.00! Oh well, I suppose the good news is the more I build up the more will pay out... eventually! lol


    A fleabay item sold last night - so that is all packaged up ready to go today. Sold for £15.99 inc postage. So not too bad. I have withdrawn £20.00 from Ppal as I always leave some from each sale in there to cover fees etc and there was a bit too much spare for my liking. Postage will come out of the £20 and then the rest split half to house account, half to my SLF, so I reckon about £8.50 each! YAY!
    One other item went unsold. I have listed it 3 times now - so may just leave it a bit and try once more. If it still doesn't sell it can go in the bootfair box.
    There's is just one item active at the moment and that ends tonight. We shall see!
    House-sitting from this evening until Mon evening. Right by the beach so I intend to make the most of this supposed heatwave at the weekend!


    Off out for breakfast on Sunday for Fathers Day. Nice to get everyone together in the morning, but leave the rest of the day free to enjoy the sunshine!


    Ok, so I think that is me up to date. Have a great weekend everyone, love to all Dads xxx
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £46.29, paid £44.49*
    (2011=£137.30, 12=£66.39, 13=£102.61, 14=£214.97, 15=£159.51 16=£213.05)
    Pro.Ac £9.45 + £95.04 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • natsplatnat
    • By natsplatnat 17th Jun 17, 11:19 AM
    • 2,555 Posts
    • 2,223 Thanks
    natsplatnat
    Just thinking ahead .... would paying my car loan off with a credit card count as a purchase?
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £46.29, paid £44.49*
    (2011=£137.30, 12=£66.39, 13=£102.61, 14=£214.97, 15=£159.51 16=£213.05)
    Pro.Ac £9.45 + £95.04 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • natsplatnat
    • By natsplatnat 19th Jun 17, 7:52 AM
    • 2,555 Posts
    • 2,223 Thanks
    natsplatnat
    Ok, so..... Pro.Ac now has £20.49 cleared, so I could withdraw FOC. But - whilst I have been waiting for the balance to clear I have racked up another £6.95... my dilemma is therefore do I withdraw the £20.49 and build the £6.95 up to another £20.00, or do I wait for more of the £6.95 to clear - what to do, what to do? lol


    It is mucho scorchio today - keep cool everyone! x
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £46.29, paid £44.49*
    (2011=£137.30, 12=£66.39, 13=£102.61, 14=£214.97, 15=£159.51 16=£213.05)
    Pro.Ac £9.45 + £95.04 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • natsplatnat
    • By natsplatnat 19th Jun 17, 2:58 PM
    • 2,555 Posts
    • 2,223 Thanks
    natsplatnat
    Ok, so I have withdrawn the £20.49 from Pro.Ac.


    Thy have changed their ruling on free payments over £20.00 by P.Pal - there is now a fee for all P.Pal withdrawals...but they have this system with 'Circle' now. Not too chuffed about signing up to a money moving app but to be fair the money has already appeared in Circle and I have withdrawn to my account (1-4 days from now).


    So, that leaves me £8.95 toward my next checkout so nearly halfway there already!
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £46.29, paid £44.49*
    (2011=£137.30, 12=£66.39, 13=£102.61, 14=£214.97, 15=£159.51 16=£213.05)
    Pro.Ac £9.45 + £95.04 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • natsplatnat
    • By natsplatnat 22nd Jun 17, 8:52 AM
    • 2,555 Posts
    • 2,223 Thanks
    natsplatnat
    Oooh, £1.10 withdrawn from Q.co! WHOOP WHOOP!
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £46.29, paid £44.49*
    (2011=£137.30, 12=£66.39, 13=£102.61, 14=£214.97, 15=£159.51 16=£213.05)
    Pro.Ac £9.45 + £95.04 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

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