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  • FIRST POST
    • blubella
    • By blubella 25th Aug 15, 10:25 AM
    • 409Posts
    • 2,261Thanks
    blubella
    STOPPING robbing Peter to pay Paul...my journey...
    • #1
    • 25th Aug 15, 10:25 AM
    STOPPING robbing Peter to pay Paul...my journey... 25th Aug 15 at 10:25 AM
    Hi All

    I have been a member of this forum for a while and have to admit that for too long I have been burying my head in the sand. Having momentary glimpses of light, feeling inspired, setting targets, budgeting, only to relapse as time moved on. Getting myself further and further in to debt by robbing Peter to pay Paul... In the last year alone I estimate racking up a debt of approx £14,000

    I thought it would be beneficial to keep a diary to help me on my journey to debt freedom...and to stay on the wagon so to say...I am hoping to explore how I got into this mess and the steps forward I need to make to get out of it.

    I hope you will pop in from time to time and support me on my journey with your insight, wisdom and inspiration!

    Here’s to DEBT FREEDOM
    Light Bulb Moment Aug 2015 ~ £24758.52
    Dec 2015 ~ DEBT Cards £18046.78 Dec 2016 £7900 + Bank of Mum & Dad 4687.60 - PAID

    OCT GC ~ £189.45/150 NOV GC ~ £49.52/175
    Make £10 a Day 2016: JAN £299.11/310 FEB £404.19/290 MAR £315.20/310
    DFBX2016 ~ #101 £16368/£8750 DFBX2015 ~ #101 £3811.87/£3000

    Success is the good fortune that comes from aspiration, desperation, perspiration & inspiration ~ Evan Esar
Page 7
    • kindofagilr
    • By kindofagilr 14th Apr 16, 1:14 PM
    • 5,901 Posts
    • 19,689 Thanks
    kindofagilr
    Hey Blubella. I Hope all is ok with you xx
    At LBM DFD was Dec 2024
    £47,166.44
    /£32,401.93 ~ 24/11/2016
    ~31.30% Paid

    POAMAYC 2016 #87 PD £7454.80/£7,000

    Current Target: Tesco 1: £2600.00/£2264.84 ~ 0% APR (till Aug 17) ~ (as of 24/11/16)
    Next Target: Virgin - R: £4095.34/£3666.71 ~ 0% APR (till July 17) ~ (as of 24/11/16)

    Mortgage (Start Date 01/04/09 ~ 30 year term, due to end 01/07/39)
    £104,409/£88,612 (as of 31/10/16) ~ 15.12% Paid

    Survey/Shop and Scan Earning's ~ 2015/£58.50 ~ 2016/£112.50

    My Debt Free Diary (Link)
    • kindofagilr
    • By kindofagilr 2nd Jun 16, 10:56 AM
    • 5,901 Posts
    • 19,689 Thanks
    kindofagilr
    Hey, hope you are ok hun xx
    At LBM DFD was Dec 2024
    £47,166.44
    /£32,401.93 ~ 24/11/2016
    ~31.30% Paid

    POAMAYC 2016 #87 PD £7454.80/£7,000

    Current Target: Tesco 1: £2600.00/£2264.84 ~ 0% APR (till Aug 17) ~ (as of 24/11/16)
    Next Target: Virgin - R: £4095.34/£3666.71 ~ 0% APR (till July 17) ~ (as of 24/11/16)

    Mortgage (Start Date 01/04/09 ~ 30 year term, due to end 01/07/39)
    £104,409/£88,612 (as of 31/10/16) ~ 15.12% Paid

    Survey/Shop and Scan Earning's ~ 2015/£58.50 ~ 2016/£112.50

    My Debt Free Diary (Link)
    • blubella
    • By blubella 27th Jul 16, 5:40 AM
    • 409 Posts
    • 2,261 Thanks
    blubella
    Oh dear...I have been AWOL for sometime but really need to get back to posting before I end up adopting bad habits and returning to the dark side! Thank you kindofagilr for being concerned...I momentarrily lapsed and took my eye off of the ball..

    Story upto date: I have managed to remortgage and increase the mortgage to pay my parents the £4300 owed on my car, it also cost me around £800 for MOT, service, insurance etc and I also paid some lump sums on the DEBT cards. I have approx £12,000 left which I put into a savings account as I felt I could make some interest on the money while the creditcard is on a 0% and I soooo want to complete my kitchen!

    Life has improved financially with an increase in earnings, switching to full time hours and a lodger moving in...this is the problem, as I have started to spend a bit more here and there...

    BF is skint as he pays his ex £1000 a month and continues to live at his parents during the week and mine at weekends (he refuses to sort his financial agreement out with his ex at this stage)...he has no budgeting skills whatsoever which is a bit of a concern. He says he is not materialistic but appears to spend money like water on what he wants to buy, that confuses me...surely that is materialism? I'm sure he thinks I am stingy but I am starting to notice that our weekends have become more expensive and as he does this bloody fasting all week, then completely binges at the weekend!

    I guess as I have been there once...no more than once and am still dealing with the aftermath, I just don't want to end up on my a**e again, so felt it time to get back to my diary and some money making ways to keep me on track.

    I will be back...
    Last edited by blubella; 04-08-2016 at 6:36 AM.
    Light Bulb Moment Aug 2015 ~ £24758.52
    Dec 2015 ~ DEBT Cards £18046.78 Dec 2016 £7900 + Bank of Mum & Dad 4687.60 - PAID

    OCT GC ~ £189.45/150 NOV GC ~ £49.52/175
    Make £10 a Day 2016: JAN £299.11/310 FEB £404.19/290 MAR £315.20/310
    DFBX2016 ~ #101 £16368/£8750 DFBX2015 ~ #101 £3811.87/£3000

    Success is the good fortune that comes from aspiration, desperation, perspiration & inspiration ~ Evan Esar
    • blubella
    • By blubella 4th Aug 16, 6:34 AM
    • 409 Posts
    • 2,261 Thanks
    blubella
    Trying to execute good habits in regard to YNAB, it is quite time consuming but really useful if eveything has been meticulously entered and is all correct. It's those little errors and trying to balance everything that get me completely frustrated . I can't keep count of the times I have re-started from scratch!

    An extra payment has gone on DEBT card which apparently shouldn't have gone out..was a little concerned as in the process of switching accounts and was advised to make a payment at the bank to avoid missing a payment! Hey ho...two payments..which will mean I have to budget even harder until the end of the month.

    Off to a festival in 2 weeks, other halfs kids coming so we are going to try and budget and take as much as we can ourselves..always a concern the extortionate prices for a tray of noodles!
    Light Bulb Moment Aug 2015 ~ £24758.52
    Dec 2015 ~ DEBT Cards £18046.78 Dec 2016 £7900 + Bank of Mum & Dad 4687.60 - PAID

    OCT GC ~ £189.45/150 NOV GC ~ £49.52/175
    Make £10 a Day 2016: JAN £299.11/310 FEB £404.19/290 MAR £315.20/310
    DFBX2016 ~ #101 £16368/£8750 DFBX2015 ~ #101 £3811.87/£3000

    Success is the good fortune that comes from aspiration, desperation, perspiration & inspiration ~ Evan Esar
    • kindofagilr
    • By kindofagilr 5th Aug 16, 8:01 AM
    • 5,901 Posts
    • 19,689 Thanks
    kindofagilr
    Great to see you back

    And well done on the extra earnings and the lodger

    It's a shame the BF seems to be not interested in sorting his money out I hope he changes his mindset soon?

    The festival sounds good though xx
    At LBM DFD was Dec 2024
    £47,166.44
    /£32,401.93 ~ 24/11/2016
    ~31.30% Paid

    POAMAYC 2016 #87 PD £7454.80/£7,000

    Current Target: Tesco 1: £2600.00/£2264.84 ~ 0% APR (till Aug 17) ~ (as of 24/11/16)
    Next Target: Virgin - R: £4095.34/£3666.71 ~ 0% APR (till July 17) ~ (as of 24/11/16)

    Mortgage (Start Date 01/04/09 ~ 30 year term, due to end 01/07/39)
    £104,409/£88,612 (as of 31/10/16) ~ 15.12% Paid

    Survey/Shop and Scan Earning's ~ 2015/£58.50 ~ 2016/£112.50

    My Debt Free Diary (Link)
    • blubella
    • By blubella 7th Aug 16, 6:20 AM
    • 409 Posts
    • 2,261 Thanks
    blubella
    Wow, what a beautiful day yesterday, the sun shining, not a cloud in the sky. We decided to chill at home rather than go off camping...

    So love our little wild camping expeditions. Finding a beautiful spot on Dartmoor or the Brecons, camp fire, barbecue and lying out under the stars. Mind you, they have not all been that idylic...fog so thick you can't see 10m in front, sharing a spot with the cows....and i am a mahoosive cow phobe. Would have been perfect this weekend but we opted to save a few pennies and lounge at home after getting a few provisions.

    Having said that..I had a really productive day (with a little lounging, nose in a book, glass of wine)..Four loads of washing completed, cut in all the paintwork on the garage, just need to purchase a roller to complete it now.

    Also, trimmed the hedge and cut the grass and a bit of weeding. The veg patch looks amazing, although something has gone badly wrong with all of my tomatoes..so annoying...have had to pull all of the plants and have saved as many of the unaffected tomatoes as possible. Green tomato chutney it is!! Never tried it before, doesn't sound particularly appetising but I will save judgement..promise.

    Went to freezer the other night, thought i'd get a shift on with the sloe gin so defrosted the sloes ....ooops BF's Dad had substituted sloes with blackcurrants!! I think i'm going to attempt a cordial! Wish me luck.

    Have a good day, hope the sun is going to shine today! One can hope...
    Light Bulb Moment Aug 2015 ~ £24758.52
    Dec 2015 ~ DEBT Cards £18046.78 Dec 2016 £7900 + Bank of Mum & Dad 4687.60 - PAID

    OCT GC ~ £189.45/150 NOV GC ~ £49.52/175
    Make £10 a Day 2016: JAN £299.11/310 FEB £404.19/290 MAR £315.20/310
    DFBX2016 ~ #101 £16368/£8750 DFBX2015 ~ #101 £3811.87/£3000

    Success is the good fortune that comes from aspiration, desperation, perspiration & inspiration ~ Evan Esar
    • blubella
    • By blubella 8th Aug 16, 6:27 AM
    • 409 Posts
    • 2,261 Thanks
    blubella
    Another great day yesterday...remember waking up thinking it was Monday morning and BF had overslept for his shift...such a nice surprise when I realised it was still the weekend....yay . I think slowing down a bit has actually helped me relax a bit more..I can't ususally stand to sit still, feel I should always be doing something or going somewhere to make the most of my free time...

    Was a little more windy yesterday with lovely bursts of sunshine.. managed to complete the garage painting job (apart from neighbours side..) Also made four large jars of green tomato chutney yay...hope they are nice...need to wait a good few months to find out...the last batch of plum chutney was delish, when it finally mellowed..which was about 6 months down the line!!

    I need to conquer jam making now....that was a complete disaster last year..I burnt it and it set like concrete in the jar...ooops BF sait it would be good for flavouring food, I think he was just being nice!

    So, off we go...another week, so wish I could spend it at home. Trying to have a really good spring clean while lodger is on hols for 3 weeks. I think I need to do some ironing and try and get down to some ebaying again..

    Have a good day all..x
    Light Bulb Moment Aug 2015 ~ £24758.52
    Dec 2015 ~ DEBT Cards £18046.78 Dec 2016 £7900 + Bank of Mum & Dad 4687.60 - PAID

    OCT GC ~ £189.45/150 NOV GC ~ £49.52/175
    Make £10 a Day 2016: JAN £299.11/310 FEB £404.19/290 MAR £315.20/310
    DFBX2016 ~ #101 £16368/£8750 DFBX2015 ~ #101 £3811.87/£3000

    Success is the good fortune that comes from aspiration, desperation, perspiration & inspiration ~ Evan Esar
    • blubella
    • By blubella 10th Aug 16, 5:20 AM
    • 409 Posts
    • 2,261 Thanks
    blubella
    Popped to Morrimans last night to grab a few things and and ended up bagging loads of bargains for the festi next week. ...we have kind of agreed a meal plan!

    Spent £2.27 in total on festi food and that includes two lots of pasta!! Seriously 2p for a bag of rolls, 9p for a seeded loaf, 2p for chapattis...15p for apple pie ...I did not stop there, my freezer is full to the brim! Deffo have the carbs covered.. which will hopefully keep the boys nice and full and not wanting to buy expensive festi food..!!

    Made a batch of blackcurrant cordial before work yesterday...just call me Delia hehe...I really think I should get up and go for a run this morning...just gearing myself up for the 20 mins solid run trying to motivate myself..

    Have a good day peeps x
    Light Bulb Moment Aug 2015 ~ £24758.52
    Dec 2015 ~ DEBT Cards £18046.78 Dec 2016 £7900 + Bank of Mum & Dad 4687.60 - PAID

    OCT GC ~ £189.45/150 NOV GC ~ £49.52/175
    Make £10 a Day 2016: JAN £299.11/310 FEB £404.19/290 MAR £315.20/310
    DFBX2016 ~ #101 £16368/£8750 DFBX2015 ~ #101 £3811.87/£3000

    Success is the good fortune that comes from aspiration, desperation, perspiration & inspiration ~ Evan Esar
    • blubella
    • By blubella 17th Aug 16, 7:01 AM
    • 409 Posts
    • 2,261 Thanks
    blubella
    Just been inputting my receipts on to YNAB...i can't believe it...everything tallies ...i hope i haven't spoken to soon...?! Well, i thought I was overdrawn but according to my sums I have £50 until the end of the month!

    The festival is drawing closer and it's supposed to rain from Thurs-Sun...fab.. ...can see me coming home early, especially if it's cold and wet. British summertime...
    Light Bulb Moment Aug 2015 ~ £24758.52
    Dec 2015 ~ DEBT Cards £18046.78 Dec 2016 £7900 + Bank of Mum & Dad 4687.60 - PAID

    OCT GC ~ £189.45/150 NOV GC ~ £49.52/175
    Make £10 a Day 2016: JAN £299.11/310 FEB £404.19/290 MAR £315.20/310
    DFBX2016 ~ #101 £16368/£8750 DFBX2015 ~ #101 £3811.87/£3000

    Success is the good fortune that comes from aspiration, desperation, perspiration & inspiration ~ Evan Esar
    • blubella
    • By blubella 19th Sep 16, 6:30 AM
    • 409 Posts
    • 2,261 Thanks
    blubella
    Son has been visiting from abroad for last 2 weeks and boy have I overspent....going to have to really budget next month to pay it all off. Paid for his flight in February when I increased hours and pay. It's been over 2 years since his granny has seen him so has been a lovely surprise. Thankfully I have submitted my expenses for the month and lodger will return so hopefully get rid of overspend in full when the bill arrives...

    Have been having second thoughts about remortgage money...previously decided to put into account to try and make interest, but i'm now having second thoughts. I am concerned that it will get frittered away while it is there and that I will end up deeper in debt that when i started! All the banks are currently reducing their interest rates, so I have decided to use what I have to pay off as much as possible off of the DEBT cards. Have three cards, 2 with debt but 0% and a third card for 'emergencies' . I am planning on keeping £2000 locked away as a safety net. I'm guessing I will be left owing around £7,000 ...seems never ending ...but the goal is to clear within 2 years!

    Going to try and get back to selling on the bay this week, make a few more pennies to throw at the debt...have had a great summer of wild camping, a few festivals, trip to Amsterdam and have a holiday at Christmas to save for...back to soup making!
    Last edited by blubella; 19-09-2016 at 6:55 PM.
    Light Bulb Moment Aug 2015 ~ £24758.52
    Dec 2015 ~ DEBT Cards £18046.78 Dec 2016 £7900 + Bank of Mum & Dad 4687.60 - PAID

    OCT GC ~ £189.45/150 NOV GC ~ £49.52/175
    Make £10 a Day 2016: JAN £299.11/310 FEB £404.19/290 MAR £315.20/310
    DFBX2016 ~ #101 £16368/£8750 DFBX2015 ~ #101 £3811.87/£3000

    Success is the good fortune that comes from aspiration, desperation, perspiration & inspiration ~ Evan Esar
    • blubella
    • By blubella 20th Sep 16, 2:08 PM
    • 409 Posts
    • 2,261 Thanks
    blubella
    Just completed a 5 hour round trip to Gatwick and back...have spent such a lot on fuel this month.. i'm counting the days until payday! I'm on a drive to have a few SFD's until then. I have the rest of the day off of work so going to get some cooking done and having a big clean up and declutter before the lodger re-appears!

    Going to dig into the depths of the cupboards and use up some staples.

    Menu for next few days:
    Quorn and veg egg fried rice
    Parsnip soup
    Jacket potato and dirty beans
    Lamb tagine and giant couscous
    Pasta and pesto

    Now I have put it into writing i'd better commit!!
    Light Bulb Moment Aug 2015 ~ £24758.52
    Dec 2015 ~ DEBT Cards £18046.78 Dec 2016 £7900 + Bank of Mum & Dad 4687.60 - PAID

    OCT GC ~ £189.45/150 NOV GC ~ £49.52/175
    Make £10 a Day 2016: JAN £299.11/310 FEB £404.19/290 MAR £315.20/310
    DFBX2016 ~ #101 £16368/£8750 DFBX2015 ~ #101 £3811.87/£3000

    Success is the good fortune that comes from aspiration, desperation, perspiration & inspiration ~ Evan Esar
    • blubella
    • By blubella 20th Sep 16, 10:45 PM
    • 409 Posts
    • 2,261 Thanks
    blubella
    Quite a successful afternoon clearing some clutter and having a good old clean...didn't quite stretch to clearing all the junk from my bedroom but at least the lodger returned to a clean room and freshly laundered bedding.

    Made some parsnip and carrot soup and some dirty beans for a few lunches over the next few days. Spent about an hour shredding confidential paperwork...shredder kept jamming but got most of it completed and then got brutal and chucked some stuff away!

    Decided to have a weekend without bf...really looking forward to having some time on my own...yay! This may become a regular occurrence...shouldn't really say that should I!
    Light Bulb Moment Aug 2015 ~ £24758.52
    Dec 2015 ~ DEBT Cards £18046.78 Dec 2016 £7900 + Bank of Mum & Dad 4687.60 - PAID

    OCT GC ~ £189.45/150 NOV GC ~ £49.52/175
    Make £10 a Day 2016: JAN £299.11/310 FEB £404.19/290 MAR £315.20/310
    DFBX2016 ~ #101 £16368/£8750 DFBX2015 ~ #101 £3811.87/£3000

    Success is the good fortune that comes from aspiration, desperation, perspiration & inspiration ~ Evan Esar
    • enthusiasticsaver
    • By enthusiasticsaver 21st Sep 16, 12:32 PM
    • 2,568 Posts
    • 4,377 Thanks
    enthusiasticsaver
    Just read your diary and sounded like you were really getting to grips with reducing your debt.

    A word of caution. Consolidating debt, which is what you have done by remortgaging is rarely a good idea in particular if the debt was on 0% which in your case it was. If you continually consolidate unsecured on to a secured basis you are effectively delaying dealing with the spending issues. Now in your case I understand you have incurred debt through dropping a day after the bullying issues at work but moving it to your mortgage is not paying it off but just delaying paying it again. Please think hard before doing it again as it risks your home should you lose your job or be unable to pay your mortgage for any reason. Please take this in the spirit it is offered. I used to counsel people in debt and the golden rule is DO NOT CONSOLIDATE UNSECURED DEBT in particular without addressing the cause of the overspends which in your case appears to be holidays without saving for them and your BF who does not appear to have much financial sense.

    Otherwise well done on getting a payrise, taking in a lodger and stopping smoking. All good positive moves.
    Debt and mortgage free and saving for early retirement
    • blubella
    • By blubella 21st Sep 16, 4:31 PM
    • 409 Posts
    • 2,261 Thanks
    blubella
    Thanks enthusiasticsaver for the word of caution. It was not a decision I took lightly and I thought thoroughly before taking it; but I was unable to remortgage without consolidating.

    I am now in a position where I pay £10 more on my mortgage, my DEBT payments are manageable and I am overpaying my mortgage by £190 to get it down to pre-consolidation debt. It should take years off of my term!

    If I lose my job then I would still be in the same position of potentially losing my home but overall I am happy with my decision.
    Last edited by blubella; 21-09-2016 at 4:45 PM.
    Light Bulb Moment Aug 2015 ~ £24758.52
    Dec 2015 ~ DEBT Cards £18046.78 Dec 2016 £7900 + Bank of Mum & Dad 4687.60 - PAID

    OCT GC ~ £189.45/150 NOV GC ~ £49.52/175
    Make £10 a Day 2016: JAN £299.11/310 FEB £404.19/290 MAR £315.20/310
    DFBX2016 ~ #101 £16368/£8750 DFBX2015 ~ #101 £3811.87/£3000

    Success is the good fortune that comes from aspiration, desperation, perspiration & inspiration ~ Evan Esar
    • enthusiasticsaver
    • By enthusiasticsaver 21st Sep 16, 9:12 PM
    • 2,568 Posts
    • 4,377 Thanks
    enthusiasticsaver
    OK it is great that this has helped you. The only reason I mentioned it is that often people in debt consolidate without changing their spending habits and a year or so later end up with the credit card debt again plus a loan or a bigger mortgage making the problem much bigger. If you are overpaying on the mortgage though now and the debt is coming down you seem on top of it. Hopefully no more robbing Peter to pay Paul. Good luck.
    Debt and mortgage free and saving for early retirement
    • blubella
    • By blubella 23rd Sep 16, 5:22 AM
    • 409 Posts
    • 2,261 Thanks
    blubella
    Morning folks..

    Only one more day of work until the weekend..yay!

    Have recently joined a thread to help motivate me to declutter all my junk...have been getting really frustrated at the little clusters of 'stuff' here and there.. things have slowly started to pile up and suddenly I have a mountain of 'stuff' accumulating in various spots..some hidden and others completely out there for the world to see!

    Now i'm not OCD about everything being spotless and tidy but it would be so nice if everything had a place and I didn't spend half of my time rummaging around to find what I need..

    I have lots of 'stuff' lurking under my bed, out of sight and all that ...old photo's, craft items, mobile phones, empty boxes and enough fabric to softly furnish 10 houses...ok that may be a slight exageration...but you get my drift!

    Having read the kondo book some months ago (everyone has..haven't they..?) I commenced my decluttering journey with good intentions of having a completely (well, maybe not completely!) minimalist house. Tackling my underwear/ accessories drawer and then the wardrobe. Wow, what a difference it has made to finding things quickly and i'm pleased to say that it has stayed tidy... Sadly i didn't start the wardrobe shelves...two words 'complete chaos'?!

    So this weekend my task is to list some items on the bay to try and make some monies to pay towards the DEBT cards! I have a pile of unwanted neglected clothes sitting on my sidebard...anything not listed will go to the charity shop... in 2 days I have already decluttered 61 items by binning, charitying or recycling... I am now the proud owner of a completely clear drawer in my dressing table !! (There weren't 61 items in the drawer...honest!!)

    Have only just scratched the surface..really looking forward to having a weekend to myself and getting stuck in!
    Last edited by blubella; 25-09-2016 at 7:24 AM.
    Light Bulb Moment Aug 2015 ~ £24758.52
    Dec 2015 ~ DEBT Cards £18046.78 Dec 2016 £7900 + Bank of Mum & Dad 4687.60 - PAID

    OCT GC ~ £189.45/150 NOV GC ~ £49.52/175
    Make £10 a Day 2016: JAN £299.11/310 FEB £404.19/290 MAR £315.20/310
    DFBX2016 ~ #101 £16368/£8750 DFBX2015 ~ #101 £3811.87/£3000

    Success is the good fortune that comes from aspiration, desperation, perspiration & inspiration ~ Evan Esar
    • blubella
    • By blubella 24th Sep 16, 6:27 PM
    • 409 Posts
    • 2,261 Thanks
    blubella
    Dad has been over and has been helping me to build a shelf under the kitchen sink and drill various things to wall to help with the organisation

    Doing pretty well..cupboard under sink has been pulled out and various bits chucked, cleaned, re-organised and placed into plastic boxes...looks fab, dead tidy!

    Just started on the cupboard under the stairs...I can walk into it now x
    Light Bulb Moment Aug 2015 ~ £24758.52
    Dec 2015 ~ DEBT Cards £18046.78 Dec 2016 £7900 + Bank of Mum & Dad 4687.60 - PAID

    OCT GC ~ £189.45/150 NOV GC ~ £49.52/175
    Make £10 a Day 2016: JAN £299.11/310 FEB £404.19/290 MAR £315.20/310
    DFBX2016 ~ #101 £16368/£8750 DFBX2015 ~ #101 £3811.87/£3000

    Success is the good fortune that comes from aspiration, desperation, perspiration & inspiration ~ Evan Esar
    • blubella
    • By blubella 4th Oct 16, 4:10 AM
    • 409 Posts
    • 2,261 Thanks
    blubella
    Had a good weekend of cooking and clearing, always hate returning to work on a Monday morning ...booo

    Started my grocery challenge on the 26th with a budget of £150 for the month..so far so god, have spent around £35.00 in 9 days and that's including the wine...yay

    BF turned up with a tonne of apples so started the weekend well with apple, carrot and ginger juice. Had a large homegrown squash sitting around so made all sorts of yummy fare - gratin, raviolli, tagine..and still have a 1/4 left!

    BF Dad dug up some truffles which we had with the squash and ricotta raviolli with a truffle butter sauce..delish.. and I even attempted a tarte tatin and used up some puff pastry from freezer.

    Just started a food inventry to try and help with meal planning..BF thought this was funny! Does anyone else use them?

    Well, i'm going to try and get a little more sleep before work! x
    Light Bulb Moment Aug 2015 ~ £24758.52
    Dec 2015 ~ DEBT Cards £18046.78 Dec 2016 £7900 + Bank of Mum & Dad 4687.60 - PAID

    OCT GC ~ £189.45/150 NOV GC ~ £49.52/175
    Make £10 a Day 2016: JAN £299.11/310 FEB £404.19/290 MAR £315.20/310
    DFBX2016 ~ #101 £16368/£8750 DFBX2015 ~ #101 £3811.87/£3000

    Success is the good fortune that comes from aspiration, desperation, perspiration & inspiration ~ Evan Esar
    • blubella
    • By blubella 12th Oct 16, 7:00 PM
    • 409 Posts
    • 2,261 Thanks
    blubella
    Brrrrrr...the nights and mornings are a tad on the nippy side now and I must admit that I have resorted to turning the heating on for a few blasts of warmth..think i may dig out an extra duvet for those chilly nights. Menopausal symptoms definitely do not help!

    I am very proud to announce that have decluttered 251 items in the few weeks that I have been on my decluttering mission...I still a way to go but it's a start huh?! My lodger has also gone home for a week to declutter her own house.. there must be something in the air.

    Had a SFD today and have really reduced my grocery spends this month, around £80 at the mo...was up this morning making soup from roasted peppers and a can of tomatoes...was a lovely lunch and and have enough for tomorrow too. Have started to use up the freezer contents before buying more food. Tis working quite well x
    Light Bulb Moment Aug 2015 ~ £24758.52
    Dec 2015 ~ DEBT Cards £18046.78 Dec 2016 £7900 + Bank of Mum & Dad 4687.60 - PAID

    OCT GC ~ £189.45/150 NOV GC ~ £49.52/175
    Make £10 a Day 2016: JAN £299.11/310 FEB £404.19/290 MAR £315.20/310
    DFBX2016 ~ #101 £16368/£8750 DFBX2015 ~ #101 £3811.87/£3000

    Success is the good fortune that comes from aspiration, desperation, perspiration & inspiration ~ Evan Esar
    • blubella
    • By blubella 30th Oct 16, 4:31 AM
    • 409 Posts
    • 2,261 Thanks
    blubella
    Went over the budget on my grocery challenge last month by almost 40 quid ...determined to do better this month.

    After much thought and deliberation I decided to end my relatinship with BF yesterday...I couldn't see any signs of him resolving the situation with ex and taking steps to move on; I was getting so frustrated by it all...it's nearly 3 years! I guess it has been on the cards for sometime if I am honest.

    I was so worried that his poor budgeting and lack of income (due to giving most of it to ex) would impact upon my debt..and tbh it has. Overspending at weekends due to catering for the two of us has inscreased my outgoings significantly and I was getting worried about starting on that slippery slope...still digging myself out of the hole.

    Anyway, today I am going to start afresh..it's a new month as far as my budget is concerned. I have paid £1760 off of my debt, closed the account and burnt the card! Life is too short as my Dad keeps reminding me.. and I can't deal with someone who is being taken advantage of and is unable to say NO!
    Last edited by blubella; 30-10-2016 at 9:05 AM.
    Light Bulb Moment Aug 2015 ~ £24758.52
    Dec 2015 ~ DEBT Cards £18046.78 Dec 2016 £7900 + Bank of Mum & Dad 4687.60 - PAID

    OCT GC ~ £189.45/150 NOV GC ~ £49.52/175
    Make £10 a Day 2016: JAN £299.11/310 FEB £404.19/290 MAR £315.20/310
    DFBX2016 ~ #101 £16368/£8750 DFBX2015 ~ #101 £3811.87/£3000

    Success is the good fortune that comes from aspiration, desperation, perspiration & inspiration ~ Evan Esar
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