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  • FIRST POST
    Stepuptotheplate
    Time to step up to the plate..
    • #1
    • 12th Feb 15, 11:24 PM
    Time to step up to the plate.. 12th Feb 15 at 11:24 PM
    Hi all

    This is my first post with this username.. I have RL friends who use MSE and I'm embarrassed for them to know how much debt we have. I've been following several DFDs for a while and have found them so inspiring that I thought having one of my own would keep me to the straight and narrow. Not counting the mortgage, I owe a shade over £26000 but I had my LBM just before Christmas and that's already an improvement. I've done a first draft of an SOA and I'll post that in a bit. I'm lucky that I earn a good wage, and have a business too, which generates a variable amount every month, so I tend not to rely on that income.

    Today's money saving has included switching my gas and electricity for both our properties, (our house and an annex) which should save £1000 a year!! I've also applied for (& been accepted!) for a 0% card. I'm going to wait until I see what the credit limit is before I decide which card to pay off. I'd like to pay the most expensive one off, which is the sensible choice, but it might be enough to clear my lowest card altogether so we'll see.

    I'd appreciate some company.. But for now I'm off to bed. More tomorrow! (And it's payday! )
Page 26
    • abba1772
    • By abba1772 5th Dec 16, 10:28 PM
    • 3,323 Posts
    • 8,122 Thanks
    abba1772
    Took a while there to figure what kind of phone you bought
    HOLIDAY SPENDING MONEY TO BE SAVED BY END OF MAY: £1500 Now £306.61
    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 / £6000
    POAMAYC 2017 £1504.50 / £6000
    • brizzledfw
    • By brizzledfw 5th Dec 16, 10:38 PM
    • 6,632 Posts
    • 31,665 Thanks
    brizzledfw
    Sounding good and fingers crossed for OH. I am currently consulting and so far it's all good...

    Let's hope it's the same for him
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    March '17 Savings Rate Goal: 30% [Feb 25%]
    Declutter 50 items before 31.03.17 08/50 ** LSDs Target 10 for March 04/10 **AFDs 11/20 ** Sales Target '17 £750 £70 so far
    **NSDs Target 10 for March 01/10
    • stepuptothepl8
    • By stepuptothepl8 11th Dec 16, 8:09 AM
    • 725 Posts
    • 3,343 Thanks
    stepuptothepl8
    Thanks Brizzle, fingers crossed here too.

    Went for a run yesterday in preparation for Bath, which is in March. 5.8 very slow miles. Must try and work on pace!! I've also been looking at rucksacks etc for trailwalker, but I've got ages to get that, so no rush.

    In MSE news.. Present shopping is almost finished, and all within budget. Food shopping has gone out of the window for this last couple of weeks. My grandmother died last week and so Mum is staying with us to sort a few things out. Last Wednesday she was emptying the freezer, and was putting bits in the bin, and fell. She's now sporting two black eyes, and massive graze down her face .. And a plaster cast on her broken wrist.
    The funeral is next week, and Mum is going to have to go in big Jackie O sunglasses I think!

    Work is mad, so I'm counting the days til the Christmas break.. I'm off from 22nd to 2nd, which will be fab. Planning lots of walks and runs. And not spending much money!

    It's my birthday today and we're all off out for dinner tonight. I've been very lucky and DH has listened to all my hints; I have a new fitbit
    DD has given me new running gloves and a hat (I might have given those to her to give to me - lol!).
    LBM 1st Feb 2015 £9550 to go
    my diary: time to step up to the plate. SPC#503
    2017 challenges:
    March - Bath Half Marathon DONE!!
    July - trailwalker 100km walk for Oxfam & the Ghurka trust
    • abba1772
    • By abba1772 11th Dec 16, 9:39 PM
    • 3,323 Posts
    • 8,122 Thanks
    abba1772
    Happy birthday

    Really sorry to hear about your grandmother and your poor mum xx
    HOLIDAY SPENDING MONEY TO BE SAVED BY END OF MAY: £1500 Now £306.61
    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 / £6000
    POAMAYC 2017 £1504.50 / £6000
    • stepuptothepl8
    • By stepuptothepl8 14th Dec 16, 6:37 PM
    • 725 Posts
    • 3,343 Thanks
    stepuptothepl8
    Thank you Abba

    Funeral was today. It went as well as these things can, I guess. I did a reading, and just about held it together. Feeling exhausted now, and very glad it's over. Mum is feeling much brighter, and although her bruising is still very visible, it's much better than it was. I'm claiming a NSD for today, which is incredibly rare for me !

    In other MSE news, I've swapped my CC balance over to a 0% offer that came up on BCard. 0% til June 18. Much better than 14%!

    And DH starts a 3 month temporary contract job tomorrow. I'm so relieved; even though it's only a short term contract it will help give him confidence and improve his cv so it's all good.

    Time for a G&T to celebrate!
    LBM 1st Feb 2015 £9550 to go
    my diary: time to step up to the plate. SPC#503
    2017 challenges:
    March - Bath Half Marathon DONE!!
    July - trailwalker 100km walk for Oxfam & the Ghurka trust
    • stepuptothepl8
    • By stepuptothepl8 27th Dec 16, 12:10 PM
    • 725 Posts
    • 3,343 Thanks
    stepuptothepl8
    Happy Christmas everyone! I've succumbed to a horrible cold, and have been ill since Christmas Eve. Which is unfortunate, as I was supposed to be singing at midnight mass..
    Christmas Day was lovely, just the three of us. DD loved her phone; we had hidden it on the tree and so she unwrapped all of the rest, and then we said 'oh look, there's one on the tree..' She guessed pretty much straight away what it was, and burst into tears, she was so happy. Love her so much.
    We went round to a neighbours house in the evening and played board games. Yesterday and today though, I've been in bed. DH and DD have gone off to see his family today, so I'm resting. Haven't been this ill for ages. I knew I'd be poorly as soon as I stopped, if that makes sense.
    The turkey was very disappointing, so I'll be penning a letter to Mr S to see if we can get some vouchers or something. Loads of food left, as I haven't been eating, but most of it can go in the freezer.
    My plans for January are to do a financial review, and update the snowball. I also want to start back with running; I would have gone out yesterday but I'm feeling so weak at the moment that it's not a good idea. Bath half in March to prepare for!

    Hope everyone is enjoying/coping with (delete as appropriate) the family time. This time of year isn't everyone's favourite.. I have an active dislike of NYE, although I do love Christmas (when I'm not ill!)

    Other plans for 2017:
    * continue with writing my appreciations every day
    * back on my clean eating
    * be one of those awkward mums at school to get DD the support she is supposed to get
    * declutter the house; decorate the sitting room

    A work in progress! I may well add to this over the next day or two
    LBM 1st Feb 2015 £9550 to go
    my diary: time to step up to the plate. SPC#503
    2017 challenges:
    March - Bath Half Marathon DONE!!
    July - trailwalker 100km walk for Oxfam & the Ghurka trust
    • abba1772
    • By abba1772 30th Dec 16, 9:26 AM
    • 3,323 Posts
    • 8,122 Thanks
    abba1772
    Sorry to hear you were poorly hope you're feeling better now xx
    HOLIDAY SPENDING MONEY TO BE SAVED BY END OF MAY: £1500 Now £306.61
    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 / £6000
    POAMAYC 2017 £1504.50 / £6000
    • stepuptothepl8
    • By stepuptothepl8 14th Jan 17, 7:16 PM
    • 725 Posts
    • 3,343 Thanks
    stepuptothepl8
    Thank you Abba, it's taken until now to shake it

    December was a spendy month.. So time to take a deep breath and start things off again. On the plus side, I still have my emergency fund, which has gone up, thanks to Christmas money from DM and MIL. On the minus side.. Actually there isn't really a minus side all accounts are up to date, and I transferred the balance on my outstanding CC to one of the others for a 0% offer. OPs continue to be made, and I've also started the penny a day savings thing, although I've started at the other end, so at £3.65 end, if that makes sense!

    Training for the half marathon is NOT going well though.. I'm finding making the time really difficult. Did a 5.5 mile run today, and struggled with most of it. It was frosty so my pace was shortened because it was so slippy, and my legs were so cold!! I'll be doing a 10k walk tomorrow in training for trailwalker. Fingers crossed the forecast (rain!) is wrong!!
    LBM 1st Feb 2015 £9550 to go
    my diary: time to step up to the plate. SPC#503
    2017 challenges:
    March - Bath Half Marathon DONE!!
    July - trailwalker 100km walk for Oxfam & the Ghurka trust
    • abba1772
    • By abba1772 16th Jan 17, 7:58 AM
    • 3,323 Posts
    • 8,122 Thanks
    abba1772
    How did you get on with your walk xx
    HOLIDAY SPENDING MONEY TO BE SAVED BY END OF MAY: £1500 Now £306.61
    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 / £6000
    POAMAYC 2017 £1504.50 / £6000
    • brizzledfw
    • By brizzledfw 22nd Jan 17, 8:49 AM
    • 6,632 Posts
    • 31,665 Thanks
    brizzledfw
    Hos it going? Hope you finally shook off the cold/illness? I found it hard to get rid of it this year too, am rarely ill ever, and not for that long. It got very boring after a while.

    X
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    March '17 Savings Rate Goal: 30% [Feb 25%]
    Declutter 50 items before 31.03.17 08/50 ** LSDs Target 10 for March 04/10 **AFDs 11/20 ** Sales Target '17 £750 £70 so far
    **NSDs Target 10 for March 01/10
    • stepuptothepl8
    • By stepuptothepl8 18th Mar 17, 7:05 AM
    • 725 Posts
    • 3,343 Thanks
    stepuptothepl8
    Hello!! It's been a while..
    Not too much to report. The debt total is coming down more slowly now, as I'm trying to build up an EF in case DH's contract isn't extended.
    I completed the Bath Half!! It was a little bit hillier than I'd anticipated, so no PB time, but I'm doing it again next year so it can't have been too awful!
    I've got an interview on Monday for an internal promotion.. Fingers crossed! It'll help financially of course, but it's the job I'm doing now really, just it'll be official!! So the weekend will be mostly spent thinking of good answers to competency based questions

    I'll post more regularly, promise. I need to be kept on track!! xx
    LBM 1st Feb 2015 £9550 to go
    my diary: time to step up to the plate. SPC#503
    2017 challenges:
    March - Bath Half Marathon DONE!!
    July - trailwalker 100km walk for Oxfam & the Ghurka trust
    • brizzledfw
    • By brizzledfw 18th Mar 17, 8:49 AM
    • 6,632 Posts
    • 31,665 Thanks
    brizzledfw
    Well done on the Half...glad the weather was warm for you all and hear you and lots of music to cheer you on your way!


    Fingers crossed for contract extensions and promotions xx
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    March '17 Savings Rate Goal: 30% [Feb 25%]
    Declutter 50 items before 31.03.17 08/50 ** LSDs Target 10 for March 04/10 **AFDs 11/20 ** Sales Target '17 £750 £70 so far
    **NSDs Target 10 for March 01/10
    • stepuptothepl8
    • By stepuptothepl8 18th Mar 17, 2:17 PM
    • 725 Posts
    • 3,343 Thanks
    stepuptothepl8
    Thank you there was so much support round the course, it was fantastic! And thank you for the fingers crossed! xx
    LBM 1st Feb 2015 £9550 to go
    my diary: time to step up to the plate. SPC#503
    2017 challenges:
    March - Bath Half Marathon DONE!!
    July - trailwalker 100km walk for Oxfam & the Ghurka trust
    • abba1772
    • By abba1772 18th Mar 17, 5:51 PM
    • 3,323 Posts
    • 8,122 Thanks
    abba1772
    Good luck for your interview I'm sure you'll ace it xx
    HOLIDAY SPENDING MONEY TO BE SAVED BY END OF MAY: £1500 Now £306.61
    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 / £6000
    POAMAYC 2017 £1504.50 / £6000
    • stepuptothepl8
    • By stepuptothepl8 20th Mar 17, 8:53 PM
    • 725 Posts
    • 3,343 Thanks
    stepuptothepl8
    Thank you Abba and Brizzle, your fingers crossed must have worked, I got the job!! Probably a phased pay rise, bit now and a bit more in 6 months. But it all sounds very promising!! Having a G&T to celebrate
    LBM 1st Feb 2015 £9550 to go
    my diary: time to step up to the plate. SPC#503
    2017 challenges:
    March - Bath Half Marathon DONE!!
    July - trailwalker 100km walk for Oxfam & the Ghurka trust
    • zippygeorgeandben
    • By zippygeorgeandben 20th Mar 17, 9:06 PM
    • 441 Posts
    • 469 Thanks
    zippygeorgeandben
    I'll be the first to say congratulations!!!
    End of Sep 2016 End of Feb 2017 £8236.57 £7123.52 (Tesco 4.8%) £6185.75 £4965.75 (Zopa 4.0%) £5344.50 £3200 (VirginMoney 0% until 07/17) Total debt £19.766.82 £15,289.27 Bronze Pay £1344.50 off CC by Sep 2017 SMASHED! Silver Pay £1844.50 by Sep 2017 EASY! Gold Pay £2344.50 by Sep 2017 DONE! Platinum Pay £2844.50 by Sep 2017
    • stepuptothepl8
    • By stepuptothepl8 20th Mar 17, 9:19 PM
    • 725 Posts
    • 3,343 Thanks
    stepuptothepl8
    Hi!! And thank you!!
    LBM 1st Feb 2015 £9550 to go
    my diary: time to step up to the plate. SPC#503
    2017 challenges:
    March - Bath Half Marathon DONE!!
    July - trailwalker 100km walk for Oxfam & the Ghurka trust
    • abba1772
    • By abba1772 21st Mar 17, 12:44 PM
    • 3,323 Posts
    • 8,122 Thanks
    abba1772
    Woo hoo congrats on the new job that's fantastic news xx
    HOLIDAY SPENDING MONEY TO BE SAVED BY END OF MAY: £1500 Now £306.61
    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 / £6000
    POAMAYC 2017 £1504.50 / £6000
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