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  • FIRST POST
    • natsplatnat
    • By natsplatnat 4th Jul 14, 10:31 AM
    • 2,652Posts
    • 2,352Thanks
    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 28
    • natsplatnat
    • By natsplatnat 16th Nov 17, 5:41 PM
    • 2,652 Posts
    • 2,352 Thanks
    natsplatnat
    Grrr - soooo annoyed.


    I am away from home house-sitting and I after telling OH about the CC bill, I messaged him with the figure AND reminded him. 3 days after it was due, he (almost cheerfully) tells me via video chat that he hasn't paid it as he has no money!! Not impressed at all! At least I paid my section. I am waiting for him to tell me where his money has gone!!
    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)

    • camz2017
    • By camz2017 17th Nov 17, 12:18 AM
    • 150 Posts
    • 185 Thanks
    camz2017
    To ensure a good credit, anything with your name on it should leave via Direct Debit (even if joint). I personally would get anything Joint paid off, and then focus on your own debts, and own finances. You cannot control someone else, only point them in the right direction.

    Best of luck ps subscribed!
    • natsplatnat
    • By natsplatnat 17th Nov 17, 8:21 AM
    • 2,652 Posts
    • 2,352 Thanks
    natsplatnat
    Hi camz,
    thanks for popping by and subscribing - I forgot to add in my post that I have paid OH's share of the CC bill, so we are all square and he now owes me.
    Luckily, our monthly CC bill is all we have debtwise (well, excluding my car finance which I am working on paying off early) and it is always paid in full each month. It was just annoying that he didn't tell me he hadn't paid it until it was 3 days late! Oh well, lesson learned!
    I am soooo glad it is Friday. Work has been pretty full on this week and I am away from home, missing OH (despite his CC failure!). But we are both out for dinner tonight with my parentals and then we are visiting OH's sisters family tomorrow. Need to be back to the house I am sitting late afternoon. There are fireworks locally tomorrow evening and will need to be out walking with the dog whilst they are going on... if we stay in the poor dog goes mad!
    Sunday, I would really like a very chilled day.... kicking off with a good old fashioned Sunday morning lay-in!
    Surveys have been really slow recently... especially Pro.Ac Nothing added to my car fund lately - the money from house-sitting will be going in there though!
    Catch you all later!
    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 1st Dec 17, 12:16 PM
    • 2,652 Posts
    • 2,352 Thanks
    natsplatnat
    Using my last 1/2 days leave this afternoon to go birthday and festive shopping. Almost wish I was staying at work ... it is cold and very wet out there!
    Catch you all next week! 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 5th Dec 17, 2:16 PM
    • 2,652 Posts
    • 2,352 Thanks
    natsplatnat
    House-sitting money received and moved over to my car loan fund. Over 2 months worth of payments in there now. I will clear it sooner, I will!


    Festive shopping under way - really struggling more than usual to get into it this year. On the upside we appear have less people than any previous year to buy for.
    Pro.Ac still soooo slow - not a single survey for weeks now! Grrr.
    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)

    • camz2017
    • By camz2017 5th Dec 17, 2:17 PM
    • 150 Posts
    • 185 Thanks
    camz2017
    Hope you got everything you needed. Happy new week

    Iíve headed up to ikea, I finish for Christmas on Friday and Iím trying to avoid the office until then. Drove to my client site this morning and came back home midday. Just bought a £5 lamp in ikea as my bedroom has no ceiling lights and just lamps and itís like being in a cave. Went to B&M for some 100 watt crazy bright bulbs.
    • camz2017
    • By camz2017 5th Dec 17, 2:19 PM
    • 150 Posts
    • 185 Thanks
    camz2017
    Imagine how good it will feel when you own the car!

    Festive shopping wise just get it all online - thatís what I do

    I can only get into buying stuff for myself hahahaa. Just kidding
    • natsplatnat
    • By natsplatnat 8th Dec 17, 2:12 PM
    • 2,652 Posts
    • 2,352 Thanks
    natsplatnat
    Well, the present buying is progressing... looking back at shopping history I usually fall into buying presents for people in a certain order (not sure why, it just seems to be that way). This year, the order is completely different (for some unknown reason) and I am a bit worried I am kidding myself and there's more to do than I think.... time for a list over the weekend me thinks!
    Saying that, I did manage to buy myself a new dress; must have picked the only one that wasn't reduced!! Doh!!
    House-sitting this evening, then work tomorrow followed by a hair appointment. Out in the evening for a 'Christmas party' held by one of OH's suppliers. Should only be the cost of a few drinks and another couple are driving us there and back saving on a taxi! Looks like I will be heading back into town on Sunday for more present inspiration.
    Managed to write a bunch of cards last night so will need to get them posted next week along with some small gifts and a parcel to America.
    Somehow the house looks like a complete tip.. again!! I have no idea how it happens as we are both out the house for most of the day...but OH and DSS do have an inability to put stuff back where it came from. I'm hoping OH may do some tidying tonight whilst I am away... but I won't be holding my breath! He has been instructed to put the washing on though - which he will do!
    OH has received his ppi refund money from the loan ppi I complained about (not a massive amount, but better than nothing!) He will be transferring almost all of it to me to re-pay last months CC I paid for him... and the rest will go toward this months I'm sure! I have also submitted a plevin complaint on CC ppi that had been declined - should know about that by mid-Jan. OH doesn't know about this; thought it would be a nice surprise if it does pay out!! *good girlfriend points to be earned*
    So, that is me up to date again. No sign of snow down here... it's cold with a biting wind, but there is barely a cloud in the sky!
    Have a great weekend All! 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 12th Dec 17, 3:55 PM
    • 2,652 Posts
    • 2,352 Thanks
    natsplatnat
    Just updated all my spreadsheets (slow day at work) ... can now see everything right the way through to the end of Dec 2018 = 1 content 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)

    • camz2017
    • By camz2017 13th Dec 17, 12:31 AM
    • 150 Posts
    • 185 Thanks
    camz2017
    Well done - keep it up
    Total Debt December 2017: £30931.36. Start: Dec 2017 DFD Target: Dec 2020
    Paid off 0/100%
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