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  • FIRST POST
    • moneyonmymindsam
    • By moneyonmymindsam 8th Feb 15, 10:31 PM
    • 1,060Posts
    • 3,007Thanks
    moneyonmymindsam
    In the Lowest Hour
    • #1
    • 8th Feb 15, 10:31 PM
    In the Lowest Hour 8th Feb 15 at 10:31 PM
    In the Lowest Hour..I wonder if I can get any lower.


    Money ...


    I'm so reliant
    I'm so dependant
    I'm such a fool


    Sam Smith could have written that for me ..


    Where do I start?? ..yes that's right by making a coffee ...and having a long hard look at everything ....


    I know where I am but the denial and longing not to be in my current situation kicks in ...


    Am I motivated ...not in the slightest ...


    SOA going to make me feel sick ..pig sick ...


    My mission is to log in everyday and get sorted ...anything has got to be better than this, I loathe myself and my situation that has got to change.
Page 40
    • RosaBernicia
    • By RosaBernicia 30th Sep 16, 8:27 PM
    • 3,043 Posts
    • 7,567 Thanks
    RosaBernicia
    That's beginning to sound like an escape fund

    Do look after yourself Sam xo
    Proud to be dealing have dealt with my debts - DEBT FREE May 2016
    DFW Diary - Balancing not just the budget
    http://forums.moneysavingexpert.com/showthread.php?t=4398229
    • moneyonmymindsam
    • By moneyonmymindsam 5th Oct 16, 11:27 PM
    • 1,060 Posts
    • 3,007 Thanks
    moneyonmymindsam
    Up to eyes again lately - no change there then. All is ok. Got my eye test tomorrow so will see what the news is there. Hope everyone is good Sam x
    2016 Savings pot £3500 Health pot £100 In Credit on CC £40 Eating Out Vouchers £50




    • abba1772
    • By abba1772 6th Oct 16, 9:04 AM
    • 2,990 Posts
    • 6,942 Thanks
    abba1772
    Good luck for the eye test tomorrow xx
    BARCLAYCARD TO BE PAID OFF BY XMAS Sept 16: £2299 Now £223.68

    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £7315.70 / £6000
    • Tinkerbelle2000
    • By Tinkerbelle2000 6th Oct 16, 12:54 PM
    • 482 Posts
    • 1,526 Thanks
    Tinkerbelle2000
    Hope the eye test goes well and you have 20/20 vision and have no need to pay anything out.

    Tink xx
    LBM 11/08/15 - Total Debt Owing:- £10338.89 01/11/16 - £13996.57 01/12/16 - £13062.92
    DEBT 1 = £1143.93 DEBT 2 = £1073.00 DEBT 3 = £253.38
    DEBT 4 = £725.02 DEBT 5 = £166.10 DEBT 6 £1120.00
    DEBT 7 = £1324.59 DEBT 8 = £6325 DEBT 9 £2656.92
    • moneyonmymindsam
    • By moneyonmymindsam 8th Oct 16, 11:38 PM
    • 1,060 Posts
    • 3,007 Thanks
    moneyonmymindsam
    Ok at Eye test
    but so tired of working double my contract

    Been a rubbish week - Have a lot more work commitments this week but after that I'm in refusal mode. Need to get committed to saying no.


    All washing done and home clean ( well cleaner than it was )


    All accounts looking good...


    Health pot at £395


    Savings at £3,000


    Need to work out what's in the bank for the rest of the month as 19 days til pay day
    2016 Savings pot £3500 Health pot £100 In Credit on CC £40 Eating Out Vouchers £50




    • abba1772
    • By abba1772 9th Oct 16, 10:09 AM
    • 2,990 Posts
    • 6,942 Thanks
    abba1772
    Defo agree about saying no more let someone else pick up the slack your only one person xx
    BARCLAYCARD TO BE PAID OFF BY XMAS Sept 16: £2299 Now £223.68

    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £7315.70 / £6000
    • moneyonmymindsam
    • By moneyonmymindsam 9th Oct 16, 10:11 PM
    • 1,060 Posts
    • 3,007 Thanks
    moneyonmymindsam
    Decided to use all my annual leave to have Fridays off for the rest of the year (!!) cant imagine boss will be pleased but I could ask couldn't I. Need to change my life so that might be a good start. I will update you on the outcome!




    Brought some euro millions tickets for Tuesday as well you never know


    Spendy day spent 11 on two scarfs and another £1 on a note book.
    2016 Savings pot £3500 Health pot £100 In Credit on CC £40 Eating Out Vouchers £50




    • RosaBernicia
    • By RosaBernicia 9th Oct 16, 10:51 PM
    • 3,043 Posts
    • 7,567 Thanks
    RosaBernicia
    Go for it - it's sounding like you need a bit of space and that would be ideal. Just promise us and you that you won't end up working them anyway.


    Rosa xx
    Proud to be dealing have dealt with my debts - DEBT FREE May 2016
    DFW Diary - Balancing not just the budget
    http://forums.moneysavingexpert.com/showthread.php?t=4398229
    • monz
    • By monz 10th Oct 16, 10:23 AM
    • 1,936 Posts
    • 4,066 Thanks
    monz
    oh enjoy you deserve it!!!x
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida 2017 saving £2,698.95 (shd be £2,778.93/£80 short)
    Gym 0/15 Dec
    house deposit £3,500.02/10,000
    Xmas 2017 - 8/365 No.35
    • abba1772
    • By abba1772 10th Oct 16, 12:51 PM
    • 2,990 Posts
    • 6,942 Thanks
    abba1772
    Fingers crossed you get the Fridays off xx
    BARCLAYCARD TO BE PAID OFF BY XMAS Sept 16: £2299 Now £223.68

    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £7315.70 / £6000
    • Tinkerbelle2000
    • By Tinkerbelle2000 10th Oct 16, 1:39 PM
    • 482 Posts
    • 1,526 Thanks
    Tinkerbelle2000
    Decided to use all my annual leave to have Fridays off for the rest of the year (!!) cant imagine boss will be pleased but I could ask couldn't I. Need to change my life so that might be a good start. I will update you on the outcome! .
    Originally posted by moneyonmymindsam
    Sounds intriguing Sam, do you have some ideas of what you want to change (apart from work).

    Tink xx
    LBM 11/08/15 - Total Debt Owing:- £10338.89 01/11/16 - £13996.57 01/12/16 - £13062.92
    DEBT 1 = £1143.93 DEBT 2 = £1073.00 DEBT 3 = £253.38
    DEBT 4 = £725.02 DEBT 5 = £166.10 DEBT 6 £1120.00
    DEBT 7 = £1324.59 DEBT 8 = £6325 DEBT 9 £2656.92
    • moneyonmymindsam
    • By moneyonmymindsam 12th Oct 16, 8:52 PM
    • 1,060 Posts
    • 3,007 Thanks
    moneyonmymindsam
    Ok I got some of the Fridays yay
    Just got to stop working to have some thinking time.


    Didn't win the Euro's as would have PM'd you all for bank info to share :P


    Roll on payday.
    2016 Savings pot £3500 Health pot £100 In Credit on CC £40 Eating Out Vouchers £50




    • monz
    • By monz 13th Oct 16, 9:31 AM
    • 1,936 Posts
    • 4,066 Thanks
    monz
    Congrats on getting some Fridays. Make sure you use up all your days x
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida 2017 saving £2,698.95 (shd be £2,778.93/£80 short)
    Gym 0/15 Dec
    house deposit £3,500.02/10,000
    Xmas 2017 - 8/365 No.35
    • moneyonmymindsam
    • By moneyonmymindsam 15th Oct 16, 11:08 AM
    • 1,060 Posts
    • 3,007 Thanks
    moneyonmymindsam
    Morning it 11am and still in bed like a lazy trout as always unwell. I know I need to get up and get cleaning.. I did have a moment of severe madness ad thought I could either shove it all under the bed or get a bin liner and put it in there.. honestly. So how can I motivate myself ...first a cup of coffee then some music ...




    I must go shopping today - need a few bits like TR's Washing Powder, Teabags.


    I only have a small amount of washing to do which is great for me.
    I need to start in the kitchen and work my way round the flat ..sadly there is much to do.


    Realised this morning I am a total commitment phobe when it comes to relationships - so poor plus one for puting up with me.
    2016 Savings pot £3500 Health pot £100 In Credit on CC £40 Eating Out Vouchers £50




    • moneyonmymindsam
    • By moneyonmymindsam 16th Oct 16, 1:28 PM
    • 1,060 Posts
    • 3,007 Thanks
    moneyonmymindsam
    Big clear out and cleaning done - So this Friday when I am off my focus should really be resting or painting ( ) I 'm not sure which at this time..


    I still have four drawers of things to sort but am a bit exhausted so happy for it to sit in the drawers for now.


    Each drawer is similar stuff so shouldn't be too hard when I get round to it. ignorance is bliss as they say.


    Happy weekend - still need to go to shops for stocks washing powder and TR's but that could wait as I have enough for now.


    Yay me its been a good weekend so am going to enjoy what's left of it unless the drawers get the better of me..

    Got my winter boots and coat sorted and a top to wear to events for work but a very spendy weekend as I'm £134 pound lighter in the bank.


    Dentist tomorrow so will be shedding more pounds there.

    Sam x
    Last edited by moneyonmymindsam; 16-10-2016 at 1:31 PM.
    2016 Savings pot £3500 Health pot £100 In Credit on CC £40 Eating Out Vouchers £50




    • moneyonmymindsam
    • By moneyonmymindsam 23rd Oct 16, 6:00 PM
    • 1,060 Posts
    • 3,007 Thanks
    moneyonmymindsam
    Evening all -

    Not achieved much today as so tired, Its been a stressful weekend, all I need at the minute but Hey Ho!

    Much cleaning and clearing to do this weekend!

    Sorted out my clothes wardrobe (again) and got my big shop in.

    Bedroom just needs a hoover now but then the Kitchen is left ( and that's in a shocking state)

    Seen some curtains online so might get those even though that's a bit spendy.

    Got my jeans and Jumpers for winter (some will be xmas presents)

    Ate up the left overs so very MSE there and got a few bits for xmas - Plus one done and will make the rest of the xmas list later. Think I need two dressing gowns for family and then i'm about there, Minus the choc's etc which i will get nearer xmas time..

    My work is still terrible - worked all my holiday day off so waste of a day taking that one its going to be a rough patch at work again.

    Will put some music on to provoke positive energy and get the rest of the cleaning done.

    Savings - will not go so well this month so will need to re-budget there.

    Sam x
    Last edited by moneyonmymindsam; 23-10-2016 at 6:03 PM.
    2016 Savings pot £3500 Health pot £100 In Credit on CC £40 Eating Out Vouchers £50




    • Tinkerbelle2000
    • By Tinkerbelle2000 23rd Oct 16, 9:17 PM
    • 482 Posts
    • 1,526 Thanks
    Tinkerbelle2000
    Hi Sam, at least you've got most of your Christmas shopping completed. That's a major achievement in my books. I've started my list and DD bought two of mine yesterday lol. One was a freebie when she bought three bits of make up lol.

    Hope the kitchen cleaning went ok.

    Tink xx
    LBM 11/08/15 - Total Debt Owing:- £10338.89 01/11/16 - £13996.57 01/12/16 - £13062.92
    DEBT 1 = £1143.93 DEBT 2 = £1073.00 DEBT 3 = £253.38
    DEBT 4 = £725.02 DEBT 5 = £166.10 DEBT 6 £1120.00
    DEBT 7 = £1324.59 DEBT 8 = £6325 DEBT 9 £2656.92
    • monz
    • By monz 24th Oct 16, 10:11 AM
    • 1,936 Posts
    • 4,066 Thanks
    monz
    Hope you feeling better soon <3 x
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida 2017 saving £2,698.95 (shd be £2,778.93/£80 short)
    Gym 0/15 Dec
    house deposit £3,500.02/10,000
    Xmas 2017 - 8/365 No.35
    • abba1772
    • By abba1772 24th Oct 16, 12:27 PM
    • 2,990 Posts
    • 6,942 Thanks
    abba1772
    What kind of work do you do that you have to work on your holiday xx
    BARCLAYCARD TO BE PAID OFF BY XMAS Sept 16: £2299 Now £223.68

    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £7315.70 / £6000
    • moneyonmymindsam
    • By moneyonmymindsam 24th Oct 16, 7:12 PM
    • 1,060 Posts
    • 3,007 Thanks
    moneyonmymindsam
    I know , I should give up the Job as = no life


    Nothing much to report other than my flat is very clean


    Recording all my spends this week starting today


    1 NSD - Monday
    2016 Savings pot £3500 Health pot £100 In Credit on CC £40 Eating Out Vouchers £50




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