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  • FIRST POST
    • natsplatnat
    • By natsplatnat 4th Jul 14, 10:31 AM
    • 2,604Posts
    • 2,264Thanks
    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 £84.37, paid £??*
    (2011=£137.30, 12=£66.39, 13=£102.61, 14=£214.97, 15=£159.51 16=£213.05)
    Pro.Ac £10.10 + £126.19 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

Page 27
    • Lemon Tree
    • By Lemon Tree 1st Aug 17, 9:37 PM
    • 9,464 Posts
    • 31,237 Thanks
    Lemon Tree
    hi Nat,
    I'm back haunting these boards and thought ... I know that name. glad to see you're still into plans and doing well.
    • natsplatnat
    • By natsplatnat 8th Aug 17, 1:58 PM
    • 2,604 Posts
    • 2,264 Thanks
    natsplatnat
    Hi LT (and anyone else reading!)


    Yep, still love a good plan!! What's not to like?? lol


    Todays news is.... we (OH and I) are off on holibobs in September! Whoop whoop! Fairly MSE overall - but we do feel like we need it and there is money to cover it which is good. I ruled out several lovely places as I just couldn't justify the cost - but OH has agreed we will set up a holibob pot for next year! love him really!


    We go 4 weeks today, so I am hoping to offset the reduction in food consumption between now and then against the cost... very little alcohol until then too! We are both just a little rounder than we would like... not looking for miracles over the next 28 days, but it is always easier when you have a goal! (goal after that is to drop a dress size by my brothers wedding next May - but not very good with longer term targets).
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £84.37, paid £??*
    (2011=£137.30, 12=£66.39, 13=£102.61, 14=£214.97, 15=£159.51 16=£213.05)
    Pro.Ac £10.10 + £126.19 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • natsplatnat
    • By natsplatnat 8th Aug 17, 5:50 PM
    • 2,604 Posts
    • 2,264 Thanks
    natsplatnat
    Just completed a PA survey which will put me over £20.00 when it clears! YAY! FINALLY!
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £84.37, paid £??*
    (2011=£137.30, 12=£66.39, 13=£102.61, 14=£214.97, 15=£159.51 16=£213.05)
    Pro.Ac £10.10 + £126.19 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • Lemon Tree
    • By Lemon Tree 8th Aug 17, 7:29 PM
    • 9,464 Posts
    • 31,237 Thanks
    Lemon Tree
    enjoy your holiday, they're the staples in many people's lives that mean so much to us mse'ers
    well done on your PA cashout, i'm still waiting to hit the magic £20
    • natsplatnat
    • By natsplatnat 9th Aug 17, 9:04 AM
    • 2,604 Posts
    • 2,264 Thanks
    natsplatnat
    Ah, thanks LT. We didn't have the best start to the year with OH's health - so now its all settled down we need a bit of R&R.


    Just requested £21.50 from PA - that will be squirrelled into the car fund!


    Nothing particularly interesting to report at the moment. It's that section of the month where nothing really happens!
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £84.37, paid £??*
    (2011=£137.30, 12=£66.39, 13=£102.61, 14=£214.97, 15=£159.51 16=£213.05)
    Pro.Ac £10.10 + £126.19 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • natsplatnat
    • By natsplatnat 10th Aug 17, 2:10 PM
    • 2,604 Posts
    • 2,264 Thanks
    natsplatnat
    LESSON LEARNED... best laid plans and all!
    No wonder I create sooo many plans ... it has finally dawned on me the reason may be because I don't gather all the necessary facts in advance and just assume things will be the way I think they will be (which is odd because I always thought I was quite methodical and analytical).


    I was just about to apply for a 0% CC to use to clear my car loan when a little voice in the back of my head said "just check you can clear the loan balance with a CC". So I did ... and the answer is no, I can't.


    I can clear the balance in full at any time with an online payment or send them a cheque.


    This has obviously ruined my plan!!


    Really annoyed with myself as I thought that this was a perfect plan to save debt interest and earn credit interest.


    I could still do it by taking out a CC which allows transfers to a current account - but they all charge in the region of a 2.9% fee. I may re-visit this but any fee eats into any saving to be made.


    I might look at applying the "stoozing" technique of taking out a 0% CC and using this for my day to day spending, paying the minimum to the card each month and using the money I would be spending to build my pot up and clear the loan. Not sure I have the mental capacity to think about this at the moment though as OH have a joint CC for all spends and I am not sure how I could split out enough from things that are solely mine to make it work!


    Even using my emergency fund I don't have the funds to clear it myself - and that would leave me with no EF.


    Really quite annoyed with myself. I think all I can do is build my little pot up as much as possible and then clear it in full... but this will be much nearer the end of the term of the loan. At least I will be earning some interest on the pot I build.


    Note to self:- GET ALL FACTS TOGETHER WHEN MAKING A PLAN (therefore plan may actually succeed!!)


    I suppose the upside is I closed my PO CC with the view of doing this so my available credit is less.
    Last edited by natsplatnat; 10-08-2017 at 2:19 PM.
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £84.37, paid £??*
    (2011=£137.30, 12=£66.39, 13=£102.61, 14=£214.97, 15=£159.51 16=£213.05)
    Pro.Ac £10.10 + £126.19 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • natsplatnat
    • By natsplatnat 17th Aug 17, 10:03 AM
    • 2,604 Posts
    • 2,264 Thanks
    natsplatnat
    Still musing over the car loan scenario. What doesn't help is OH is adamant I should get a new(er) car. Thought I would indulge his whim last night and look at some cars and figures... even with the supposed equity in my current car, I would be looking at a new loan of approx. £12,000. So that's a no from me then!! I'm sure he'll get it one day!


    Good news is the £21.50 from Pro.Ac is safely in my account and I have just withdrawn the £20.00 from Q.co. I now Have 1 months cars loan money sat there... clearing the loan one month early isn't really saving enough interest - but it would be a little (tiny) saving. On to saving another month!!
    Should hopefully hear about OH's ppi claim in the next 10 days or so. If successful that would be a nice mood booster before holiday!
    I'm sure there is more to report - but my brain feels a little weary today and I cannot remember.
    Hoping the sunshine makes a re-appearance soon... yesterday was nice but its more like November down here today (really, dark, wet and gloomy).
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £84.37, paid £??*
    (2011=£137.30, 12=£66.39, 13=£102.61, 14=£214.97, 15=£159.51 16=£213.05)
    Pro.Ac £10.10 + £126.19 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • natsplatnat
    • By natsplatnat 23rd Aug 17, 8:45 AM
    • 2,604 Posts
    • 2,264 Thanks
    natsplatnat
    Still no news on OH's ppi claim... we'll just keep waiting.


    Renewed both car insurance policies last night. We had a joint policy last year, but this year it was cheaper to split them again, and I should get cashback on both! That will be a nice £71.60 in total! Mine will go into my car fund - OH can have his!


    Waiting for a new CC to arrive - one of those "good for use abroad" ones! Holibobs in 13 days! YAY!
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £84.37, paid £??*
    (2011=£137.30, 12=£66.39, 13=£102.61, 14=£214.97, 15=£159.51 16=£213.05)
    Pro.Ac £10.10 + £126.19 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • natsplatnat
    • By natsplatnat 28th Sep 17, 12:52 PM
    • 2,604 Posts
    • 2,264 Thanks
    natsplatnat
    Hi All!
    Oops, not written for over a month. But everything is good.


    Holiday has been and gone . New CC for use abroad arrived and worked a treat. Everything due has been paid and the surplus allowed re-shuffled for now.
    In even better news, OH got one of his ppi claims upheld and received a cheque just after we got back for just under £6500.00! That got me some serious "good girlfriend points"!! Still waiting for an update on the other one - they wrote to say they needed a bit more time, but haven't heard anything since. Time must almost be up, so will have a look at the dates and where we go from here.


    The plan for the car fund is still the same.... slowly build up a pot to pay off as early as I can.
    I have 1 night house sitting in October + 12 nights house sitting confirmed for November, and a week in Jan (that can all go in the car fund too).
    I am possibly off to Oxford this weekend, then in 3 weeks I am off to my sisters for the weekend (well, Sat night - home Sunday). We are going to the cinema, then back to hers for PJ's pizza and wine - sounds perfect.
    So, that's me pretty much up to date. Really tired this week, I think maybe I am harbouring the germs OH and DSS have had for the last week! Hoping they don't make a proper appearance in time for this weekend.
    Love to all, Nats x
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £84.37, paid £??*
    (2011=£137.30, 12=£66.39, 13=£102.61, 14=£214.97, 15=£159.51 16=£213.05)
    Pro.Ac £10.10 + £126.19 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • natsplatnat
    • By natsplatnat 6th Oct 17, 9:51 AM
    • 2,604 Posts
    • 2,264 Thanks
    natsplatnat
    So the germs hit and I had yesterday off work - luckily no deductions from my pay!


    I picked up a couple of Pro.Ac surveys earlier in the week - one offered a bonus of £2.20 which was nice and my balance is now £9.85 - so nearly half way to another checkout.


    First Christmas present bought earlier this week - should arrive today. Discounted and with cashback! Nice!


    Back at work today, but it is my weekend off, so there will be a bit of pottering, some fresh air and not a lot else (hopefully!).


    Catch you all soon xxx
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £84.37, paid £??*
    (2011=£137.30, 12=£66.39, 13=£102.61, 14=£214.97, 15=£159.51 16=£213.05)
    Pro.Ac £10.10 + £126.19 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • natsplatnat
    • By natsplatnat 9th Oct 17, 9:30 AM
    • 2,604 Posts
    • 2,264 Thanks
    natsplatnat
    Morning All!


    Where does the weekend go? Had a lovely, semi-productive couple of days and now it's back to work.
    Logged into one of my accounts yesterday and there was a mystery £10 in there... some kind of vi5a reward. Not a clue - but I have moved it to my car fund! Thank you very much!
    Still no news on OH's other ppi claim - tonights job will be to look at the last letter they sent and see what they are up to.
    Right, that's me up to date. Have a great week all! xxx
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £84.37, paid £??*
    (2011=£137.30, 12=£66.39, 13=£102.61, 14=£214.97, 15=£159.51 16=£213.05)
    Pro.Ac £10.10 + £126.19 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • natsplatnat
    • By natsplatnat 10th Oct 17, 9:31 AM
    • 2,604 Posts
    • 2,264 Thanks
    natsplatnat
    Had a look at OH's ppi letter last night - all quite vague, so will get him to call them tonight or tomorrow.
    Whilst searching for something in a cupboard (think deep one under the stairs!) I came across a box with a load of old lever arch files in... all with OH's older paperwork in. Now this paperwork would have come in quite handy with previous claims.... but I did find paperwork for a old loan that I knew nothing about (and OH had forgotten about), that was paid in full a few years ago, but has a pre-loaded ppi amount on it. I will add that to the list!! Going to have a good trawl through the files tonight and see what is in there!
    Nothing to report on my side. All dull - and 3 weeks to pay day!!
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £84.37, paid £??*
    (2011=£137.30, 12=£66.39, 13=£102.61, 14=£214.97, 15=£159.51 16=£213.05)
    Pro.Ac £10.10 + £126.19 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • natsplatnat
    • By natsplatnat 12th Oct 17, 9:52 AM
    • 2,604 Posts
    • 2,264 Thanks
    natsplatnat
    Zero progress on OH's ppi. Tuesday night I was in from work late and had other stuff to do. Last night was circuit training (and watching The Apprentice), but I did give OH the letter relating to the outstanding claim so he can call them from work today to chase as the 8 week deadline has passed (phone line only open 8am-5pm!)
    Tonight I plan to....
    write a birthday card for a friends little girl
    Look through OH's paperwork
    Pay CC
    Cook dinner
    .... and relax


    OH cooked dinner on Monday- it was lovely.... a tomatoey, tuna pasta bake (think it was a Sainsbury recipe). I'm not a huge fan of tuna pasta bakes (warm tinned fish just doesn't really do it for me) but it was lovely - just as well really as OH made enough to feed about 8 people, so we had dinner Monday and I have had some for lunch every day since (with plenty left for tomorrow).
    That's all folks!
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £84.37, paid £??*
    (2011=£137.30, 12=£66.39, 13=£102.61, 14=£214.97, 15=£159.51 16=£213.05)
    Pro.Ac £10.10 + £126.19 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • natsplatnat
    • By natsplatnat 13th Oct 17, 8:58 AM
    • 2,604 Posts
    • 2,264 Thanks
    natsplatnat
    Oh, I miss weekly pay! Been online this morning - all accounts as they should be.
    So, last night was quite productive...
    write a birthday card for a friends little girl DONE
    Look through OH's paperwork DONE
    Pay CC DONE
    Cook dinner DONE
    .... and relax DONE


    OH managed to call about his outstanding ppi claim yesterday - apparently they are just snowed under because of all the new claims coming through since the deadline was announced and the Plevin ruling. They haven't kept to the rule of giving a final response in 8 weeks, so we could go to the Ombudsman, but I think we'll give it a couple of weeks and see what happens!
    I'll log on to The Resolver today and make a start on OH's loan with the front-loaded ppi. "If you don't ask, the answer will always be no!" I found some other accounts of OH's that also had ppi... some are for a bank we have already successfully claimed from, but the account numbers don't match! Will do a bit of digging on these first. I also managed to locate the account where the CC agreed to lower his interest rate in exchange for adding "accident and sickness cover". Now, I am pretty sure that this is not allowed either, so will be investigating that in the coming weeks! Blimey, I'm gonna be busy!!
    Right, I must get on with some work. I am in tomorrow, then off to see my sister Sat overnight. It's not gonna break the bank and it will be great to see her!
    Have a lovely weekend all - hoping the warm weather makes an appearance as promised by the weather forecasters!
    xxx
    Last edited by natsplatnat; 16-10-2017 at 3:31 PM.
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £84.37, paid £??*
    (2011=£137.30, 12=£66.39, 13=£102.61, 14=£214.97, 15=£159.51 16=£213.05)
    Pro.Ac £10.10 + £126.19 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • natsplatnat
    • By natsplatnat 16th Oct 17, 3:31 PM
    • 2,604 Posts
    • 2,264 Thanks
    natsplatnat
    £1.35 withdrawn from TCB.


    On other news - we may soon be the owners (more like keepers) of 2 x cats.
    (where is the eye rolling emoji??)
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £84.37, paid £??*
    (2011=£137.30, 12=£66.39, 13=£102.61, 14=£214.97, 15=£159.51 16=£213.05)
    Pro.Ac £10.10 + £126.19 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • natsplatnat
    • By natsplatnat 20th Oct 17, 8:42 AM
    • 2,604 Posts
    • 2,264 Thanks
    natsplatnat
    Morning All!


    Well, we now have 2 felines in our family! 2 totally black, 4 month old females.... names to still be agreed on.


    Money wise there's not a lot to report - oh, except I am getting a tax rebate! A whole £10.80!!!!
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £84.37, paid £??*
    (2011=£137.30, 12=£66.39, 13=£102.61, 14=£214.97, 15=£159.51 16=£213.05)
    Pro.Ac £10.10 + £126.19 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

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