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  • FIRST POST
    • natsplatnat
    • By natsplatnat 4th Jul 14, 10:31 AM
    • 2,542Posts
    • 2,219Thanks
    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 13.31 + 79.92 paid
    SAVINGS TO CLEAR STUDENT LOAN 0.00 (528.56 paid off)

Page 25
    • natsplatnat
    • By natsplatnat 12th May 17, 11:18 AM
    • 2,542 Posts
    • 2,219 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 13.31 + 79.92 paid
    SAVINGS TO CLEAR STUDENT LOAN 0.00 (528.56 paid off)

    • natsplatnat
    • By natsplatnat 13th May 17, 9:45 AM
    • 2,542 Posts
    • 2,219 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 13.31 + 79.92 paid
    SAVINGS TO CLEAR STUDENT LOAN 0.00 (528.56 paid off)

    • natsplatnat
    • By natsplatnat 15th May 17, 1:41 PM
    • 2,542 Posts
    • 2,219 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 13.31 + 79.92 paid
    SAVINGS TO CLEAR STUDENT LOAN 0.00 (528.56 paid off)

    • natsplatnat
    • By natsplatnat 19th May 17, 10:40 AM
    • 2,542 Posts
    • 2,219 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 13.31 + 79.92 paid
    SAVINGS TO CLEAR STUDENT LOAN 0.00 (528.56 paid off)

    • natsplatnat
    • By natsplatnat 24th May 17, 1:28 PM
    • 2,542 Posts
    • 2,219 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 13.31 + 79.92 paid
    SAVINGS TO CLEAR STUDENT LOAN 0.00 (528.56 paid off)

    • natsplatnat
    • By natsplatnat 26th May 17, 1:54 PM
    • 2,542 Posts
    • 2,219 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 13.31 + 79.92 paid
    SAVINGS TO CLEAR STUDENT LOAN 0.00 (528.56 paid off)

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