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  • FIRST POST
    • Tinkerbelle2000
    • By Tinkerbelle2000 20th Aug 15, 12:59 PM
    • 482Posts
    • 1,526Thanks
    Tinkerbelle2000
    I Need A New Me
    • #1
    • 20th Aug 15, 12:59 PM
    I Need A New Me 20th Aug 15 at 12:59 PM
    Oh here goes. I've been lurking on here for years and made my first post a couple of weeks ago. After some encouragement from some lovely people I am now ready to start my own diary.


    I am in debt to the sum of £10223.85 (approx.). Need totals on credit card statements. In the last couple of months I have managed to pay £1073.56 so I'm hoping my the end of this month I can get sub £10k. I will be getting my last wage from my old employers before starting my new job on 1st September. Total change and I think I can make a really good career from this.


    A bit about me, I'm 40 ish with an OH and a lovely teenage DD. Last year I moved into my OH's house and this has been a big anxiety inducing problem for me. I feel like I'm lost a bit with having no place of my own anymore. After a huge argument the other week I really wanted to move out but I was stuck, no money for a deposit and waiting list a mile long for council houses in our area. I have decided that I want an Emergency Fund and have joined the challenge for this to get £1k but realistically I would like that to be £3k. We have sorted things out now but I don't feel settled and knowing that I have some money behind me for if I'm ever put in that position again will help reduce the anxiety I feel about this.


    Most of my debt is 0% interest. The biggest being a family loan but I plan to make overpayments each month as I know I have spare money to do this. I also have YNAB so I'm going to spend the afternoon getting that as up to date as I possibly can, until I know my new wage.


    Well that's all for now and if you managed to get to the end, thank you for reading. And a big thanks to the lovely ladies who have encouraged me. You know who you are.


    Take care.


    Tink xx
Page 17
    • Tinkerbelle2000
    • By Tinkerbelle2000 18th Oct 16, 11:04 PM
    • 482 Posts
    • 1,526 Thanks
    Tinkerbelle2000
    Hi Tinks


    Well done with the payments to debts.


    Loving your signature ...your obviously very organised
    Originally posted by moneyonmymindsam
    Sam, how did I miss you?? Thanks lovely, I can be organised when I set my mind to it and then I leave it for a few days and have to have a catch up lol.

    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
    • kirtsypoos
    • By kirtsypoos 18th Oct 16, 11:15 PM
    • 1,745 Posts
    • 6,642 Thanks
    kirtsypoos
    Tink,

    That sounds like the perfect compromise for both you and your Mom. Also, if it has been in the family and you are living in it, would you eventually be eligible for Right to Buy? I'm not completely upon how RTB works but it's worth enquiring?

    I completely agree about older people and heating bills, it's appalling.

    Hope all goes well socialising the dogs
    £2025/3000 OH BC(32.50% PAID) £1600/3851 B/C (58.45% PAID)
    £545/1000 Tesco (45.5% PAID) MBNA £3400/3795.64 (10.42% PAID)
    PAID VERY, Barclaycard, Vanquis, Natwest, O/D & MBNA PAID
    LBM 24/07/15 - Debt: £7570/31010.23 (75.58% paid)
    Mortgage - £85,000.00 (O/P £666.48 so far) PAYDBX 16 #006 - £14942.15/£10000
    • doingitanyway
    • By doingitanyway 20th Oct 16, 8:46 PM
    • 1,029 Posts
    • 4,205 Thanks
    doingitanyway
    Hey Tink, The move sounds exciting and I am so pleased you will have a garden. You will be able to meet your DF date sooner too. I'm sure your mum will benefit from having you all with her too Good news for everyone concerned
    JANUARY 2016/SECURED DEBT=23,322/OCTOBER 2016=15,327 or 34.5% PAID
    MORTGAGE FREE 25/07/16
    • RosaBernicia
    • By RosaBernicia 20th Oct 16, 8:55 PM
    • 3,043 Posts
    • 7,567 Thanks
    RosaBernicia
    Sounds like a plan to me too!

    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
    • -taff
    • By -taff 20th Oct 16, 9:07 PM
    • 6,458 Posts
    • 3,731 Thanks
    -taff
    Theyre right that the tenancy can only pass once, and it has already been passed to your mother.
    As above though, your mother should have a RTB and it might be possible for you to buy the house with her, you could look into that, but beware, you'll get a lot of flak if you ask on the HSAB board, because you're essentially depriving another family of a HA/Council house.
    • Purplemumof2
    • By Purplemumof2 20th Oct 16, 9:25 PM
    • 3,928 Posts
    • 11,538 Thanks
    Purplemumof2
    Some of the other boards sound lethal! I'm glad I'm on here where everyone is friendly.

    Good luck on your move, a good decision I think
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    BC: £8850.00 Overdraft: £2750.00

    15 NSD - 8/15, 10 LSD - 3/10, 15 AFD - 1/15, Lunches to work 9/20

    20p Savers 2016 £2 Savers 2016 50p Savers 2016 SPC 9 2016 #003
    • Tinkerbelle2000
    • By Tinkerbelle2000 20th Oct 16, 10:19 PM
    • 482 Posts
    • 1,526 Thanks
    Tinkerbelle2000
    Thanks for the messages. Unfortunately due to my debt and that I only work part time I have no chance of buying it. I did go to speak to the council with my mum yesterday and we asked what would happen when anything does happen to my mum (this is her biggest worry, not mine). They said that although the tenancy has passed once, they can't advise until something happens but obviously I wouldn't be homeless, they would have to find me somewhere else so I'll cross that bridge when it happens.

    The biggest thing is helping my mum with her heating costs etc and she will finally have the internet and sky (I have the basic package). We have already made a few plans about what I will take with me and what I will sell (keeping my washing machine in her shed in case anything happens to hers). She will also finally have a new bed which she has needed for quite a while as DD already has a double bed there and she wants to take her new one with her so mum can have the one that is already there. There is also a lovely single bed in the room that will be mine that has hardly been used so that can be sold too. Also, I've noticed that I think my tv is on the blink so that will be something I don't have to pay out for in the very near future.

    I'm actually scared to post on any of the other boards lol, I agree some are lethal and it took me long enough to start this thread with MT's encouragement so I just kinda stick round here and my usual diaries that I am subscribed to. You are all a fantastic bunch, have got me through a lot and are always there which I am very grateful for.

    Hope everyone's week is going 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
    • Tinkerbelle2000
    • By Tinkerbelle2000 20th Oct 16, 10:47 PM
    • 482 Posts
    • 1,526 Thanks
    Tinkerbelle2000
    I can't believe I forgot to mention that I had a phone call about my complaint with the gas supplier last night, well not the supplier but the firm they use to install the meters. They basically said they hadn't done anything wrong, that the engineer had took pictures of the meter after fitting it and that they had spoken to him and apparently he hadn't used flux to fit the pipe. This didn't go down at all but she wouldn't budge. I asked for proof of the pictures as I hadn't seen the engineer take any, she replied I can assure you he did as we have them on file. Ok send them to me then. I will have to see if they show up. She is now putting me back to the energy company stating that I am not happy with the reply blah blah blah so I answered her with I think that is the best idea as I didn't put the complaint in with you and I think that they should have contacted me first. I will not let this lie.

    Then today I get a text from DD saying that there had been an incident at school which I would class as abuse to my DD. I'm usually quite relaxed about it and she comes home moaning about this girl quite a lot and I listen, advise but usually stay out of it. Did I today, not a chance. The school didn't even call me about it so I called them actually demanding a meeting with her year head. This isn't like me at all but mess with my DD and I flip. DD then called me on her lunch and I told her I was coming in, she has always asked me not to get involved and don't go in school, but she actually was pleased that I was going in. Apparently my DD found her voice after she was attacked and I think this was a shock to the other girl. Don't want to go into it too much on here but I actually felt drained when we came out of that meeting.

    I can't believe this sort of stuff is happening in her last year of school. Some of it is so childish that you would think they were in year 7.

    To top all that, my flipping cough has really come back now so I guess it is another trip to the docs. There must be a reason, I also get short of breath sometimes even using my inhaler.

    Well tomorrow is another day so we shall see what it brings.

    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
    • -taff
    • By -taff 21st Oct 16, 8:44 AM
    • 6,458 Posts
    • 3,731 Thanks
    -taff
    I did go to speak to the council with my mum yesterday and we asked what would happen when anything does happen to my mum (this is her biggest worry, not mine). They said that although the tenancy has passed once, they can't advise until something happens but obviously I wouldn't be homeless, they would have to find me somewhere else so I'll cross that bridge when it happens.
    Originally posted by Tinkerbelle2000
    Be very careful about that. My ex was in the same position, his mother went into a home, he was given a week to move out, he squatted there for a bit and i think they finally found him a one bed, but it is miles away from where he was. it's very difficult for him to visit her now.
    • kirtsypoos
    • By kirtsypoos 21st Oct 16, 9:15 AM
    • 1,745 Posts
    • 6,642 Thanks
    kirtsypoos
    Hope DD is ok Tink, I don't blame you for getting involved, especially where she is concerned

    I can't believe that about the meter supplier - to be so blase about something that could have been life threatening!

    You never know about the future re: RTB - if your mum has been there forever she should get a large discount and once you have made headway into your debts it could be a good option. If you'd even be interested in buying it of course
    £2025/3000 OH BC(32.50% PAID) £1600/3851 B/C (58.45% PAID)
    £545/1000 Tesco (45.5% PAID) MBNA £3400/3795.64 (10.42% PAID)
    PAID VERY, Barclaycard, Vanquis, Natwest, O/D & MBNA PAID
    LBM 24/07/15 - Debt: £7570/31010.23 (75.58% paid)
    Mortgage - £85,000.00 (O/P £666.48 so far) PAYDBX 16 #006 - £14942.15/£10000
    • Tinkerbelle2000
    • By Tinkerbelle2000 22nd Oct 16, 7:46 PM
    • 482 Posts
    • 1,526 Thanks
    Tinkerbelle2000
    Hi Kirsty. Mum has only been there about 10 years but my nan and grandad were there for about 50 years before that. I'll have to see what the future brings when I'm debt free.

    Its day one of the dog socialising tomorrow. I really hope this goes well. I know Mr D will be fine, he is very submissive but Miss B is a crazy one. Fingers crossed.

    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
    • doingitanyway
    • By doingitanyway 22nd Oct 16, 9:46 PM
    • 1,029 Posts
    • 4,205 Thanks
    doingitanyway
    Good luck with the dogs getting on. I'm sure you'll be happy in your new home I think you are right to remain open to whatever the future brings regarding the house.
    Have a lovely weekend
    JANUARY 2016/SECURED DEBT=23,322/OCTOBER 2016=15,327 or 34.5% PAID
    MORTGAGE FREE 25/07/16
    • Tinkerbelle2000
    • By Tinkerbelle2000 22nd Oct 16, 10:07 PM
    • 482 Posts
    • 1,526 Thanks
    Tinkerbelle2000
    Good luck with the dogs getting on. I'm sure you'll be happy in your new home I think you are right to remain open to whatever the future brings regarding the house.
    Have a lovely weekend
    Originally posted by doingitanyway
    Thanks DIA, just having a chilling weekend and making lots of plans on the basis the dogs get on lol.

    Have a lovely weekend to.

    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
    • doingitanyway
    • By doingitanyway 23rd Oct 16, 10:21 AM
    • 1,029 Posts
    • 4,205 Thanks
    doingitanyway
    Hi Tink,

    Wondering if it would be easier to divide the journal into sections in advance...

    I’m thinking of dividing up the book in advance so each month contains

    a monthly log allow 1 page
    a daily log covering (three on one page) 10 pages
    an expenses page for each month 1 page

    Not monthly related

    future log for the whole year divided into months (4 pages)
    collections (books, films…) allow 6 pages
    use pink highlighter for personal items and green highlighter for work tasks
    Index (3 pages)

    As an expert bullet journal person can you see any flaws with this plan?

    Thanks Tink!
    DIA xx
    JANUARY 2016/SECURED DEBT=23,322/OCTOBER 2016=15,327 or 34.5% PAID
    MORTGAGE FREE 25/07/16
    • Tinkerbelle2000
    • By Tinkerbelle2000 23rd Oct 16, 12:00 PM
    • 482 Posts
    • 1,526 Thanks
    Tinkerbelle2000
    Morning DIA. That sounds pretty much the same as mine although I do have an unplanned expenses in as well so I can see each month where I make mistakes or if something triggers my reason to buy.

    I have been in a notebook for about 5 months now and although I love it I would like to be able to move pages about so as a treat to myself I have just purchased an A5 ring binder from W1sh and have found loads of free printables like calendars, lists etc. I did have an old one but DD nabbed it when she started planning. I thought I would wait though to see if I stick with it.

    You can always buy some of those cheap page flags to mark off different sections or just to show your current month. I also put a paperclip on certain pages so I can flick to them straight away.

    Oh, I've also got an emergency page in it for DD just in case, and I also have a password sheet but it is in code lol so no one can understand it but me.

    I think you have really done your homework and as far as I can see no flaws at all.

    I'm really chuffed that I might have helped at least one person. Are you hooked on youtube yet lol. Some are too pretty for me although I do use different coloured pens for different things sometimes.

    Hope that helps.

    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
    • doingitanyway
    • By doingitanyway 23rd Oct 16, 12:18 PM
    • 1,029 Posts
    • 4,205 Thanks
    doingitanyway
    Aww, bless you Tink for your full and prompt reply and yes it does help!

    I am hooked on the youtube videos of bullet journals but they seem to go too far to me. Students, who have a lot of time on their hands and can turn their journals into works of art but I need to save time, not spend even more. Although, gosh, they are so pretty…

    I like your idea about listing unplanned expenses and the triggers for them

    I might create another collectables page called EMERGENCIES …Good thinking Tink.

    I’ve spent the morning emptying my bag of note book, diary and countless notes, post-its, recipes and other MESS. I even had an old kitchen sponge in my bag as a reminder to buy a new one. Boy do I need this new system

    Thanks for all your help and have a good Sunday

    DIA xx
    JANUARY 2016/SECURED DEBT=23,322/OCTOBER 2016=15,327 or 34.5% PAID
    MORTGAGE FREE 25/07/16
    • Tinkerbelle2000
    • By Tinkerbelle2000 23rd Oct 16, 9:23 PM
    • 482 Posts
    • 1,526 Thanks
    Tinkerbelle2000
    No problem at all DIA, me and DD have had a lovely day planning.

    It did get a bit stressful when I couldn't get the printer to do her free printables properly but we got there in the end. She has a more fussy one with stickers etc. I even print free ones of those on A4 sticker paper I found in our local pound shop. She then spends the next couple of hours cutting them up lol.

    I've started my Christmas lists today, cards and presents. I must admit at least I got all the washing done in between watching scary films. She is halloween mad so this will be it now until the end of the month.

    I've also printed my spreadsheets off and stuck those into my planner so that I have a sort of track of where I am when I am out and about and I don't have my laptop with me.

    Unfortunately we didn't get to walk the dogs today, I've not felt well enough and my cough kept me awake a lot so I've had an easy day.

    Hope everyone has had a good weekend.

    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 23rd Oct 16, 9:56 PM
    • 1,060 Posts
    • 3,011 Thanks
    moneyonmymindsam
    Hi Tinks, sorry to hear about the cough Hope you get shot of it soon.


    I really should make my list too and cross off who i've got for already.


    Sam xxx
    2016 Savings pot £3500 Health pot £100 In Credit on CC £40 Eating Out Vouchers £50




    • bellevie
    • By bellevie 24th Oct 16, 5:23 PM
    • 438 Posts
    • 1,678 Thanks
    bellevie
    Hiya Tink,

    Sounds like a good plan, if nothing else like you say to support your mum as she gets older & save for your own future. It also for now free's up your flat for another family in need.

    Be aware, when the inevitable happens, they may agree that they have a duty to house you but their only duty will be to offer you a suitable property, so perhaps if DD has grown up and moved out, a 1 bed flat somewhere.

    That said, by the times this comes around you will probably have your deposit saved and be well on the way to buying your own forever home anyway!

    I hope your dogs do get on. Meeting on neutral ground is a good idea, your mums dog may just show her dominance, and as long as Mr D is submissive they stand a good chance.

    Mr T previously has never taken heed of any dominant dogs, though this weekend he was really told of by a little bully. He did for once in his life take notice and stopped trying to make friends
    2016 Savings target....
    Sept 2016 - 43%....better get a move on
    • RosaBernicia
    • By RosaBernicia 24th Oct 16, 7:35 PM
    • 3,043 Posts
    • 7,567 Thanks
    RosaBernicia
    Tink and DIA, if you are including things like emergency info in your journal you might be interested to look at the FlyLady version, which is called a Control Journal. It has cleaning routines and other life admin reminders in.

    I used one when I was doing full on FlyLady but I've gone a bit more electronic since then and I'm not sure I'd go back to the full paper version - for example if I were listing books I would do it in a spreadsheet so that it can be changed easily and saved online to access from anywhere. I do have one that outlines the value of things in the house for estimating insurance and if I were to start a detailed one I'd probably put them together.

    I am putting off looking at bullet journals til the new year but will investigate then


    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
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