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  • FIRST POST
    • natsplatnat
    • By natsplatnat 4th Jul 14, 10:31 AM
    • 2,769Posts
    • 2,451Thanks
    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) 17= to be calculated
    Pro.Ac £23.81 + £126.19 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

Page 31
    • natsplatnat
    • By natsplatnat 26th Jan 18, 5:21 PM
    • 2,769 Posts
    • 2,451 Thanks
    natsplatnat
    My estimation of my new monthly wage was out by £6! lol


    In other news, the only Account I can currently switch to for a 'reward' is the M&S one with £125 in M&S vouchers (as I have / have had Accounts with all the others inside their exemption period)


    I'm off home in a bit! My aim for next week is to spend less time on here and spend more time working! lol
    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) 17= to be calculated
    Pro.Ac £23.81 + £126.19 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • natsplatnat
    • By natsplatnat 29th Jan 18, 9:39 AM
    • 2,769 Posts
    • 2,451 Thanks
    natsplatnat
    Morning All!
    Hope you all had a great weekend? Mine was fun and a good balance between fun and being productive!
    OH managed to get one of the two blinds we bought up... the new ones are much heavier than the old and took a bit longer to fit that planned. Housework ticking over - finally put away the ends of the xmas presents received that had been sitting there in a bag waiting. Saturday night was really good. Screening of our friends film and a few (too many drinks) after. Yesterday was mainly pottering around at home, a bit of paperwork filing, food shopping and then out for dinner in the evening. Meal was pretty MSE... paid £26.76 for a bill of £85.47 thanks to a 50% main meal code and £35 off final bill voucher! Happy days. I also made some potato and leek soup for lunch at work - that is still in the fridge at home
    Back at work this morning - really feel like I could do with still being asleep but I am sure a couple of coffees, some water and tea will perk me up. Have checked my banking and moved bits n pieces around as required. All quite dull now until 4 weeks Wednesday when we get paid again! lol
    Hoping some cashback will become available and I can move that over... well, I need some reason to play with my spreadsheet!
    Here's to a great week for everyone 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) 17= to be calculated
    Pro.Ac £23.81 + £126.19 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • camz2017
    • By camz2017 29th Jan 18, 11:47 AM
    • 342 Posts
    • 588 Thanks
    camz2017
    Hey nats, well done on calculating your new salary... I used a website for that which I must say was more accurate than your £6, mine was £1 off!
    https://www.thesalarycalculator.co.uk/salary.php ENJOY!
    EDIT: I am lazy, if a tool can do something for me, it does just that. I don't believe in making work for myself... haha. I'm like the opposite of you and your spreadsheets, all my money is managed in YNAB another tool. Gimme tools!!! Someone else do the work
    If I ever touch an excel sheet it's made of 4 billion macros so it does everything for me in future.

    I'm back at work also, I was tired until uncle no*ed arrived aka my lovely colleague, now I'm just stressed as he wont shut up, there's no other seats in this office and I have 1000 things to do. Well done on your shop please share your tips for getting super cheap groceries... You know me I never stop eating.

    Have a lovely week
    • natsplatnat
    • By natsplatnat 29th Jan 18, 12:26 PM
    • 2,769 Posts
    • 2,451 Thanks
    natsplatnat
    lol - that is the website I used! Who knows!??

    I LOVE my spreadsheet - I think it is a control thing


    We are having similar days - I have a 'lovely' lady hot-desking in my office whilst we wait for her new desk to arrive ... and she is slowly driving me round the bend! The hot-desk set up is a bit hit n miss, so having spoken to the computer support people about one thing, she now finds that something else doesn't work... why not check everything and call once? Grrr. Also, she hums and right now even her breathing is irritating! Gosh, I sound mean - good job it is lunchtime, food should lighten my mood (even if it isn't homemade soup!)


    Oh, and my saving wasn't on the grocery shop - that was on the meal out (for 4 people)! Food wise we eat well but definitely don't save that much! I always use any vouchers I get (as long as they are for things I need). I try and meal plan, but OH can be a bit like "no, I don't fancy that tonight!" Really? Its food! Eat it! I do try and grab those infamous yellow stickered items where possible - most go in the freezer for a later date! Try and buy seasonal fruit and veg. There's an article on the site about a guy who 'wombles' A5da receipts for money off... not sure scouring a car park for litter is really up your street though!
    Last edited by natsplatnat; 29-01-2018 at 12:43 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) 17= to be calculated
    Pro.Ac £23.81 + £126.19 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • camz2017
    • By camz2017 29th Jan 18, 1:53 PM
    • 342 Posts
    • 588 Thanks
    camz2017
    I had a girl who used to ring IT for absolutely anything also, she worked in admin, we used to do mean things to her like unplug the ethernet from her laptop dock or disconnect the power brick under her desk. Every single time without fail she would call IT, it was hilarious. Once she was moaning about how her PC kept crashing as she tried to print these really important docs, so we went the printer and removed the paper before she got there. There was also a ink refill tray so popped that open too on the back. Everyone else knew how to load paper but she had to ring IT lol.

    You don't sound mean to me lol - I've got far worse thoughts to some people in the office.

    hahaha I'm totally that guy who says I don't fancy that. Food isn't just food, some food is categorically better than other foods, I know you disagree but oreos and chocolate (inc chocolate desert) beats everything else in the world.

    What's this scouring car parks for litter lol? Am I expecting to find free pasties dropped around the ASDA car park or something?
    • natsplatnat
    • By natsplatnat 29th Jan 18, 2:04 PM
    • 2,769 Posts
    • 2,451 Thanks
    natsplatnat
    https://www.moneysavingexpert.com/news/shopping/2018/01/womble-pays-67p-for-a-41-shop


    read this!!
    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) 17= to be calculated
    Pro.Ac £23.81 + £126.19 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • natsplatnat
    • By natsplatnat 30th Jan 18, 9:57 AM
    • 2,769 Posts
    • 2,451 Thanks
    natsplatnat
    Morning!


    Today is going well so far (ssh, don't tell everyone!)


    The sun is shining.
    I remembered to bring my soup into work!
    I have withdrawn £5.80 from Q.co - on its way to my car fund!


    Sometimes it is the simple things right?
    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) 17= to be calculated
    Pro.Ac £23.81 + £126.19 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • camz2017
    • By camz2017 30th Jan 18, 11:36 AM
    • 342 Posts
    • 588 Thanks
    camz2017
    Thanks nats, better get my litter picker purchased then Now I know what you get upto on a Tuesday night at ASDA.

    Well done on remembering your soup - great job I remembered my oreos, grapes, protein bar, chocolate and protein shake. Most of my sports bag was filled with food lol.
    • natsplatnat
    • By natsplatnat 31st Jan 18, 9:18 AM
    • 2,769 Posts
    • 2,451 Thanks
    natsplatnat
    Yuck! What a contrast in weather between today and yesterday!
    I remembered my soup again!.... but I have left my phone at home! YAY - go me! lol
    Dinner last night was 'Diet cola chicken'!! Had seen loads of people mention it in their diaries so found the recipe and gave it a go - I was really surprised at how nice it was! We love food, but do tend to find ourselves rotating the same meals time and time again! New plan is to try something new on a Tuesday, OH's turn next week!


    Off to look into how I can make the most out of a spin class - even if I don't like it, I may as well get as much out of it as possible.
    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) 17= to be calculated
    Pro.Ac £23.81 + £126.19 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • natsplatnat
    • By natsplatnat 31st Jan 18, 5:01 PM
    • 2,769 Posts
    • 2,451 Thanks
    natsplatnat
    Pro.Ac is building nicely - over £14 in there now! I will get to £20 and a free pay out in Feb.... I will!


    Have read and digest loads of articles on spinning today (another busy day in the office ) and I think tonight I am just going to lose myself in the music and try and empty my brain / stop my brain from wandering. Just wish there wasn't a great big digital clock at the front of the room that tells us how long we have been going for! lol
    Left over chilli + jacket potatoes for dinner! That thought will help get me through spin!!
    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) 17= to be calculated
    Pro.Ac £23.81 + £126.19 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • natsplatnat
    • By natsplatnat 1st Feb 18, 12:29 PM
    • 2,769 Posts
    • 2,451 Thanks
    natsplatnat
    Mornings!
    Just withdrawn £4.74 fro TCB - on its way to my car fund!
    Spin/circuits last night was ok - still can't say I enjoy the spin element of the class, but I am ploughing on
    Diner wasn't chilli + jacket potatoes as OH forgot to buy potatoes! Managed to steer him away from a takeaway by suggesting that we should have chilli + rice instead as it is all already in the house and won't cost us around £20.00!!
    Heard back from OH's Plevin complaint - they are paying out £1045 (after tax deductions) WHOOP! That leaves just one in the system that I need to look back at our paperwork for. There are more to go, but are a bit more involved!!
    I think that's me up to date for now. 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) 17= to be calculated
    Pro.Ac £23.81 + £126.19 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • natsplatnat
    • By natsplatnat 1st Feb 18, 3:35 PM
    • 2,769 Posts
    • 2,451 Thanks
    natsplatnat
    Just been gifted a bottle of "artisan water from Norway"! Really? Artisan water? lol The bottle itself is quite nice though! (it wasn't bought from Norway - it was bought in T3sc0!!)
    There must be something in the air today as about half an hour ago I was also given a bar of Lindt Lindor chocolate! Much better than water if you ask me!
    Currently sipping on a mug of lemon and ginger tea... Not my favourite but it's boosting my fluid intake!
    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) 17= to be calculated
    Pro.Ac £23.81 + £126.19 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • camz2017
    • By camz2017 2nd Feb 18, 12:42 AM
    • 342 Posts
    • 588 Thanks
    camz2017
    Hey nats, I need to get some of these surveys done! I love chilli and rice I think it's nice your OH is on board with the money savings and agrees etc.
    You are doing amazingly well re these complaints, I wish I had something to complain about.

    If someone got me a bottle of water as a gift they would get a weird luck haha, how do you keep a straight face on that one?

    Spin class, grr, I still hate spin lol... It's the one class I really don't get on with. You need a pad for your seats!
    • natsplatnat
    • By natsplatnat 2nd Feb 18, 8:45 AM
    • 2,769 Posts
    • 2,451 Thanks
    natsplatnat
    Morning All!
    Camz, I also wish I had something to complain about - 8% interest added year on year.... couldn't have got that anywhere else! I know that's not the point, but still!
    OH on board with money savings? Lets just say he is a lot better than he ever has been.
    So, it's Friday!! I do miss weekly pay - In the past, I would have been happily playing with my spreadsheet at this time on a Friday morning. I might spend a bit of time today looking to see if I can squeeze my car loan end date forward a bit!


    Working tomorrow, then should really pop round to see my parents! Might even pop my head into my brothers and wind up my niece and nephew for a bit!
    I have OH's birthday, the wedding and my Mums b'day looming, so I had better head out on Sunday and get some cards/ gifts etc. I had something lovely in mind for OH's b'day - but as the weather looks like it will be really cold and he is still a bit under the weather we have agreed to do it in a couple of months! He doesn't know what it is!! Possibly early May!
    Other than that, I might try and squeeze in a trip to the gym or a run. There's housework to do and both cars are in dire need for a really good wash. I will not be doing that though if it is freezing!
    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) 17= to be calculated
    Pro.Ac £23.81 + £126.19 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • natsplatnat
    • By natsplatnat 2nd Feb 18, 10:57 AM
    • 2,769 Posts
    • 2,451 Thanks
    natsplatnat
    Just logging house-sitting stints for the year...
    6-14th April (10 days)
    22 June - 1st July (10 days)
    possible week in September
    probable 5 days in November
    If all the dates happen then that should net me around £450.00 The money from April will go to the car fund (if it is still there) - the rest will go into 'general savings / emergency / holiday pot'.
    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) 17= to be calculated
    Pro.Ac £23.81 + £126.19 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • camz2017
    • By camz2017 2nd Feb 18, 11:11 PM
    • 342 Posts
    • 588 Thanks
    camz2017
    Can you send me your coca cola chicken recipe please? I weirdly really wanna try it. I might hate it as I have a strong dislike for diet coke but we will see... There is a milk chicken recipe by Jamie Oliver which I wanna try also, I drink way too much milk so might as well fuel the addiction a bit more.
    • natsplatnat
    • By natsplatnat 3rd Feb 18, 8:30 AM
    • 2,769 Posts
    • 2,451 Thanks
    natsplatnat
    Morning camz,

    here is the link to the recipe ...
    https://www.slimmingworld.co.uk/recipes/diet-cola-chicken.aspx

    What I liked most was that it didn't taste of cola at all - it just sweetens the dish without the calories! I did add some extra chilli flakes to give it a little kick - I also think a bit of BBQ seasoning could be nice; I'll try that next time! I think it would also work with turkey or pork!


    At work this morning - would sooo rather still be asleep. Only been here 29 mins and I'm ready to go home already! Even worse, we have run out of coffee and tea just isn't doing it for me this morning!
    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) 17= to be calculated
    Pro.Ac £23.81 + £126.19 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • natsplatnat
    • By natsplatnat 5th Feb 18, 10:31 AM
    • 2,769 Posts
    • 2,451 Thanks
    natsplatnat
    Morning All!


    YAY to snow - BOO to people driving like they have never seen the stuff before!


    As always the weekend went too fast! Managed to catch most of the Rugby though which was good. What a cracking game France v Ireland!


    Shopping was successful, more of less. Birthday card for a friend, wedding card and wedding gift purchased! OH insisted on coming with me so didn't manage to get his card.... and I forgot to get my mums, but I've got ages yet for that!
    Visited the parentals - always nice to catch up with them. Saw my brother too so that was a bonus. Skipped on my niece and nephew though.
    Most of the housework got done. The gym / run didn't happen though! Oh well.
    Today is shaping up to be an ar5e of a day! And it's only Monday.
    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) 17= to be calculated
    Pro.Ac £23.81 + £126.19 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • natsplatnat
    • By natsplatnat 5th Feb 18, 2:20 PM
    • 2,769 Posts
    • 2,451 Thanks
    natsplatnat
    Broken sleep last night has left me more grumpy than usual for a Monday! The world is not being kind to me today! Grumpy customers galore and some of my staff being less intelligent than usual! However, I am trying to cheer myself up by monitoring several 'snow trackers'!! By the looks of it we are not due any more until tomorrow evening! Bring it on!
    Longest snow journey home from work stands at 2.5 hours to travel 10 miles and that was a few years ago now... the main issue being that to get home I have to go up a hill - there are several to choose from but none are fun in snow. The worst thing is that no-one else seems capable of 'driving to the conditions' and everything quickly grinds to a halt!!
    The plan for tonight is to go through the CC bill with a nice glass of chilled white wine, eat chicken curry which OH will cook and then collapse into bed. Seriously need some Zzzz tonight to prevent me committing murder tomorrow!!!
    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) 17= to be calculated
    Pro.Ac £23.81 + £126.19 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • camz2017
    • By camz2017 5th Feb 18, 6:04 PM
    • 342 Posts
    • 588 Thanks
    camz2017
    We barely had any snow here in London. I hope you had a better turn out.
    I feel like both our diaries have turned into the me and you show, haha, not complaining particularly.

    I had the same problem I must have woken up 5+ times last night after laying there for over an hour initially trying to doze off. I woke up feeling literally half zombie.

    Just got the tube home, left work an hour early as I just was not productive. My mood was so foul... I had a big bagpack on and I was deliberately pushing it into some short girls face and moving to annoy her by slapping my bag against her head whenever I turned... I had my earphones in but at one point she was like "excuse me" like 3 times over and I just pretended to not hear her and leant back to p*ss her off some more. She kept prodding me in the back which made me laugh more inside... The tube was packed there was no escape!! Not sure what you call that but it made me feel better lol, mischief maybe. Sometimes you just gotta do what it takes to give yourself a smile eh I believe being moody gets it all out eventually.

    Me in snow = a death waiting to happen. My first strategy is to drive like there is no snow which usually results in almost death, followed by the next strategy of going into a higher gear (my car manual says it helps) and stalling persistently annoying all around.
    Last edited by camz2017; 05-02-2018 at 6:08 PM.
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