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  • FIRST POST
    • natsplatnat
    • By natsplatnat 4th Jul 14, 10:31 AM
    • 2,707Posts
    • 2,430Thanks
    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 £175.35, 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 29
    • camz2017
    • By camz2017 5th Jan 18, 12:08 AM
    • 270 Posts
    • 511 Thanks
    camz2017
    I am pretty sure I replied to you, but not seeing it here! I read your diary (well parts of it) from 2008 earlier today. I cannot believe how far you have come since then! Glad to hear you have access to the surveys again now.

    How brilliant you will have no debts by April!!
    Total Debt December 2017: £30931.36. Start: Dec 2017 DFD Target: Jan:2021 DFD More Realistic: Jan 2022
    Paid off 0/100%
    • natsplatnat
    • By natsplatnat 5th Jan 18, 11:34 AM
    • 2,707 Posts
    • 2,430 Thanks
    natsplatnat
    Morning All!
    What a rubbish weather morning!


    camz, really can't believe you subjected yourself to my earlier diary! You must have been looking for something to send you to sleep (as you were here gone midnight!) lol.
    I do look back every now and then and I am glad my serious debt-busting days are over! You might notice from the beginning of this diary that I re-borrowed around another £6900 from my OH whilst repaying the first amount! Despite all my plans things didn't always go to plan! The first few months were the worst in terms of trying to get to grips with money (although little things do always crop up to throw you off track)! The bulk of the years just drifted by with little plans en-route to keep me motivated (and sometimes amused by their failings!). The last push (really since the beginning of this diary) was the easiest to get through! It's all a learning curve!
    Last edited by natsplatnat; 05-01-2018 at 2:19 PM.
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £175.35, 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 Jan 18, 1:49 PM
    • 2,707 Posts
    • 2,430 Thanks
    natsplatnat
    Trying to drink more .... currently sipping on a tea made with liquorice, hibiscus, aloe and nettle! It's actually rather nice!!
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £175.35, 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 Jan 18, 2:00 PM
    • 270 Posts
    • 511 Thanks
    camz2017
    Trying to drink more .... currently sipping on a tea made with liquorice, hibiscus, aloe and nettle! It's actually rather nice!!
    Originally posted by natsplatnat
    Good luck, I carry a brita filter around the house with me and pour pint glasses of water which I sip on as I watch the tele or whatever else.

    I've got a long journey ahead, it's great to see someone else who has got through it.

    & yeah, I had friends over last night, I cooked for like 7 people. Was a really fun night, I charged everyone £3.50 for the food - felt super cheeky but £3.50 each for a full night of food and chat is a bargain... Else that's almost £30 I forked out!! Everyone was fine about it. I popped on here before the girlfriend popped over, she said she would be 15 mins but was an hour, arrived with a full face of make-up ready for getting into bed with me lol. I was exhausted, didn't get to sleep until like 3am as she wanted to talk and do stuff... On the plus side, she made me breakfast this morning, as she cooked I was mentally noting all the oil she was using etc Went through the calories earlier today and it was like 1200 calories

    Keep up the good work!
    Total Debt December 2017: £30931.36. Start: Dec 2017 DFD Target: Jan:2021 DFD More Realistic: Jan 2022
    Paid off 0/100%
    • natsplatnat
    • By natsplatnat 6th Jan 18, 9:17 AM
    • 2,707 Posts
    • 2,430 Thanks
    natsplatnat
    Welcome to the weekend everyone!
    Logging on today as I am at work... Boo!
    This afternoon involves a pop into town - I want/need a proper address book. Will also do a quick food shop. Tonight we are out to dinner with my parents (Dad + step-mum). Will drive there, taxi home and pick up the car tomorrow. Would really like to factor in a quick nap at some point this afternoon, but not sure I can
    Remembered last night that there is an Income Tax change in April this year too!!
    Love the idea of everyone chipping in a small amount for a lovely evening of food and chat!
    I really do need to do some work today - I have spent too much of each day so far this week planning my own financial freedom!!
    Have a great weekend All - catch you laters x
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £175.35, 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 6th Jan 18, 9:48 AM
    • 270 Posts
    • 511 Thanks
    camz2017
    GET TO WORK!!! Less playing around on forums more working.
    Total Debt December 2017: £30931.36. Start: Dec 2017 DFD Target: Jan:2021 DFD More Realistic: Jan 2022
    Paid off 0/100%
    • natsplatnat
    • By natsplatnat 6th Jan 18, 10:05 AM
    • 2,707 Posts
    • 2,430 Thanks
    natsplatnat
    Something just popped into my head (and then I promise I will be back to work!).... in 27 months time I have a BIG birthday! I want to go away somewhere special.... so I will need to start a BIG BIRTHDAY FUND at some point this year!!
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £175.35, 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 Jan 18, 10:24 AM
    • 2,707 Posts
    • 2,430 Thanks
    natsplatnat
    Morning All! It's cold this morning! Brrr.


    Weekend summary...
    Bought some black ankle boots on Saturday - not marked as being in the Sale... went through the till at £8.40!! Picked up some socks and a pair of black leggings. Total bill £20.90, had a £20.00 gift card = 90p spend.
    OH under the weather (again) so didn't make dinner Sat night. My Dad picked me up & paid for dinner so my only expenditure was a taxi home ... that was £17.00 though!!
    Yesterday I popped home to see OH and dragged him out for some fresh air. Did a spot of food shopping to keep him going for a couple of days as he's not feeling great bless him. I grabbed some fresh pasta from the fridge at home that OH didn't want. That's still in my fridge for tonight, there's not much so will add loads of veg and a tomato based sauce - didn't really eat yesterday (which is VERY unlike me!)
    £20.42 in my purse.. that should last me until Friday!
    Nothing else to report! Need to think ahead as I have quite a few birthdays between now and the end of February - and a wedding to attend on Valentines Day!!
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £175.35, 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 Jan 18, 4:19 PM
    • 2,707 Posts
    • 2,430 Thanks
    natsplatnat
    Looks like we may be paid on the 26th instead of the 29th this month, which is nice as it means I can tweak my spreadsheet again!
    Last night of house-sitting tonight. Will need to go there after work tomorrow and walk the dog, but then it's back home! YAY! I think OH needs a bit of TLC as he is still poorly. Money for house-sitting should appear within a week or so!


    Nothing else to report at the moment. Need to pick up something cheap for dinner to go with the veg that is left in the fridge and that is about as exciting as my life gets at the moment!!
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £175.35, 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 Jan 18, 10:50 AM
    • 2,707 Posts
    • 2,430 Thanks
    natsplatnat
    Pro.Ac balance slowly creeping up ... now at £11.96!


    Home tonight YAY! I always treat house-sitting as a bit of a mini holiday... okay, I'm still at work, but I'm right by the sea, have a dog to walk and as it's someone elses house, there's very little that actually needs doing - just tidy up after myself! I can read, watch what I want on the TV and just generally please myself. The novelty wears off though and I am now ready to go home!


    Nothing money-wise to report other than I picked up some reduced salmon steaks last night, 2 for £2.42! One for dinner last night with steamed veg the other cooked and ready to have with some salad for lunch!


    Happy Wednesday everyone!
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £175.35, 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 10th Jan 18, 8:12 PM
    • 270 Posts
    • 511 Thanks
    camz2017
    What is this “house sitting” anyway? Is it literally being in someone’s house whilst they’re away?

    I eat like 2 salmon fillets at once - I don’t think I could resist and save them for 2 meals!!

    Wish I lived close to the sea super jealous!

    Seems you’re doing great as always
    Total Debt December 2017: £30931.36. Start: Dec 2017 DFD Target: Jan:2021 DFD More Realistic: Jan 2022
    Paid off 0/100%
    • natsplatnat
    • By natsplatnat 11th Jan 18, 8:28 AM
    • 2,707 Posts
    • 2,430 Thanks
    natsplatnat
    House-sitting ... yep, just that. My boss has a dog so when they go away, I look after the house and the dog for them. Get to please myself in a 5 bed house with a hot-tub for however long they are away. It's not exactly stressful lol... walk dog twice a day, feed him 3 times and then that's it! They have a cleaner in once a week so I just tidy / clean up behind myself and thats it.... oh, and I get paid for it!! The summer time is the best - long walks on the beach and sunbathing in the garden! Bliss!
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £175.35, 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 11th Jan 18, 2:32 PM
    • 2,707 Posts
    • 2,430 Thanks
    natsplatnat
    To prevent another CC disaster like last month, I have just paid the CC in full and will get OH's half off him over the weekend. Have temporarily dipped into my car loan fund, but I'm not worried as it wasn't for my half and it will be back in there in a matter of days.
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £175.35, 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 Jan 18, 10:08 AM
    • 2,707 Posts
    • 2,430 Thanks
    natsplatnat
    Happy Friday Peeps!

    Well, it feels like I may finally be succumbing to the lurgy that OH has had on and off since before Christmas.... just in time for my weekend off work, great! Hopefully it wont come to anything much!

    House-sitting money paid and moved into the car fund! Whoop!


    Things to do this weekend....
    General housework
    Put xmas decs back in the loft
    Buy, write and post 2 x wedding acceptance cards and 2 x birthday cards
    Return OH's slippers
    Sort out OH's pre-paid prescription


    Not too much really.


    Off to see my mum and S-Dad after work tonight - they came back from their Christmas holiday last weekend, but have both been under the weather, so I have avoided them! I've got to see them though as I have their Christmas presents to give them!!


    Laters x
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £175.35, 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 Jan 18, 2:07 PM
    • 2,707 Posts
    • 2,430 Thanks
    natsplatnat
    Oh, I forgot to mention that one of OH's ppi complaints was dismissed, but they awarded a commission based refund (Plevin). Now, by their own admission they have very little info for the CC and have 'assumed' the value due based on what they do know. Added to my 'to do list' for the weekend is to see if there are any more Statements to prove a higher CC balance (therefore higher ppi) to send them to revise their offer.
    The other CC company I put in for Plevin refund on should have replied by the 8th Jan. Nothing yet. tut tut tut
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £175.35, 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 Jan 18, 5:33 PM
    • 2,707 Posts
    • 2,430 Thanks
    natsplatnat
    Last post before I log off for the weekend - just withdrew £2.30 from TCB!! YAY!


    Have a great weekend everyone.... hope you have fun without spending too much! x
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £175.35, 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 15th Jan 18, 9:37 AM
    • 2,707 Posts
    • 2,430 Thanks
    natsplatnat
    Soooo, not a lot done over the weekend at all. Been trying to shake this lurgy that has reached me. In short on Saturday all I managed was to return an Amazon item, pop a couple of bits to the tip, buy 2 birthday cards and some thank you cards, and go out for a curry. Sunday was even less productive with a quick food shop + went to the local retail park to buy 2 x blinds (we managed to break one in the bedroom during the week).
    So, this week I really do need to get back on the ppi bandwagon for OH.
    On Friday I put in my pay / holiday split request... that came back approved, so I have just adjusted my spreadsheet accordingly!
    My aim for today is to just get through the working day, get home and sleep. Zzzz Zzzz. The lousy weather isn't making me feel any more cheerful either.
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £175.35, 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 15th Jan 18, 2:59 PM
    • 270 Posts
    • 511 Thanks
    camz2017
    Aww hope you feel better soon

    Have a hot chocolate and a few tablets. Get plenty of rest!! I think you’ve done quite a bit over the weekend considering. More than me I think!!
    Total Debt December 2017: £30931.36. Start: Dec 2017 DFD Target: Jan:2021 DFD More Realistic: Jan 2022
    Paid off 0/100%
    • natsplatnat
    • By natsplatnat 15th Jan 18, 4:53 PM
    • 2,707 Posts
    • 2,430 Thanks
    natsplatnat
    Cheers camz!
    Had some day nurse this morning.... took away the ill feeling and replaced it with a lovely shakey / low blood pressure feeling - not sure which was worse to be honest lol.
    Low blood pressure / blood sugar levels always make me feel nauseous but I know eating will make me feel better. Which is fine until I am genuinely "sick" and then I wanna eat to get rid of the sick feeling but can't because it doesn't stay down! lol
    Can't wait to go to sleep tonight!
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £175.35, 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 15th Jan 18, 11:59 PM
    • 270 Posts
    • 511 Thanks
    camz2017
    Wow that sounds awful. Tablets have like zero effect on me, like I never feel worse but rarely feel better as well. Blood pressure issues can make you faint and stuff apparently, so do keep yourself in check!!

    Sleep well
    Total Debt December 2017: £30931.36. Start: Dec 2017 DFD Target: Jan:2021 DFD More Realistic: Jan 2022
    Paid off 0/100%
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