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  • FIRST POST
    • blubella
    • By blubella 25th Aug 15, 10:25 AM
    • 436Posts
    • 2,423Thanks
    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 Jan 2016 ~ DEBT cards £7192.72 £5018.12

    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
    DFBX2017 ~ #101 £
    2313.79/£7192.72
    DFBX2016 ~ #101 £17128.47/£8750 DFBX2015 ~ #101 £3811.87/£3000

    Success is the good fortune that comes from aspiration, desperation, perspiration & inspiration ~ Evan Esar
Page 8
    • blubella
    • By blubella 31st Oct 16, 5:34 AM
    • 436 Posts
    • 2,423 Thanks
    blubella
    Mrning all..

    Was a slave to the kitchen yesterday..well, that is not completely true... but I couldn't sleep so got up early and started cooking rather than lounging around.

    Used up the remaing half of a pumpkin that was sitting in the fridge, think i just caught it just before it needed to be thrown. Chucked all the squishy bits away. Have frozen lots of mini portions for the next few weeks, no excuses to buy nasty sarnies for lunchtime.

    Made batches of:
    Pumpkin and root veg tagine.
    Pumpkin and coconut thai soup.
    Spanish smokey beans, tomato and chorizo.

    Cracked an egg into the smokey beans and had a few slices of bread for lunch, was absolutley delish!

    Well, at least I have a few go to's..no excuses to purchase lunchtime snacks this week!.

    Think I will get up now and make up some houmous for a healthy snack and cook up some rice to freeze, perfect to go with my tagine or into the soup.

    Happy Monday x
    Light Bulb Moment Aug 2015 ~ £24758.52
    Dec 2015 ~ DEBT Cards £18046.78 Dec 2016 £7900 + Bank of Mum & Dad 4687.60 - PAID Jan 2016 ~ DEBT cards £7192.72 £5018.12

    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
    DFBX2017 ~ #101 £
    2313.79/£7192.72
    DFBX2016 ~ #101 £17128.47/£8750 DFBX2015 ~ #101 £3811.87/£3000

    Success is the good fortune that comes from aspiration, desperation, perspiration & inspiration ~ Evan Esar
    • blubella
    • By blubella 31st Oct 16, 5:22 PM
    • 436 Posts
    • 2,423 Thanks
    blubella
    Cooked up the rice this morning and took a portion to work with the tagine for lunch...did not venture to shop, therefore SFD! yay..

    Have just come home from work and demolished the remainder of the rice...quick egg fried rice...(well, i did purchase 5kg of the stuff)...that should keep me going for the rest of the month!

    Need to think up some healthy, budget recipes now..I ususally start with a recipe and then adapt it using the ingredients that I have..turns out ok 90% of the time !
    Light Bulb Moment Aug 2015 ~ £24758.52
    Dec 2015 ~ DEBT Cards £18046.78 Dec 2016 £7900 + Bank of Mum & Dad 4687.60 - PAID Jan 2016 ~ DEBT cards £7192.72 £5018.12

    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
    DFBX2017 ~ #101 £
    2313.79/£7192.72
    DFBX2016 ~ #101 £17128.47/£8750 DFBX2015 ~ #101 £3811.87/£3000

    Success is the good fortune that comes from aspiration, desperation, perspiration & inspiration ~ Evan Esar
    • blubella
    • By blubella 13th Nov 16, 4:04 AM
    • 436 Posts
    • 2,423 Thanks
    blubella
    Morning folk

    My sleeping habits are absolutely dire..i blame it on the menopause, sometimes I am so exhausted by 9pm that I just have to hit the sack. I'm really hoping to motivate myself this morning and get along to yoga...I used to be so good at attending but finding that work/life balance seems ever difficult at present.

    I will be so glad once my home is straight as I think this will have a definite impact on my work/life balance, it will be great when i get to the stage that it just needs a weekly cleaning upkeep! Having said that, I had had a really good clean of the bathroom yesterday, borrowed the steamer from parents and all the nasty hard water marks have disappeared and it is once again sparkling!! Going to steam clean the cooker, kitchen floor and windows today.

    Dad visited yesterday and completed a few more odd jobs, the kitchen is nearly finished...just needs a windowsill, cooker splashback and tiling, it looks great already...so pleased..

    I've been keeping on with the 'kondoing' and have decluttered over 460 items in just a few months ....My bedroom is now my focus.. trying to make a really relaxing space..I have created a little meditation corner. I am planning on repainting it in the New Year. Dad put up some pictures for me and it's starting to look and feel lovely! Amazing what a bit of reorganisation and decluttering can do.
    Light Bulb Moment Aug 2015 ~ £24758.52
    Dec 2015 ~ DEBT Cards £18046.78 Dec 2016 £7900 + Bank of Mum & Dad 4687.60 - PAID Jan 2016 ~ DEBT cards £7192.72 £5018.12

    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
    DFBX2017 ~ #101 £
    2313.79/£7192.72
    DFBX2016 ~ #101 £17128.47/£8750 DFBX2015 ~ #101 £3811.87/£3000

    Success is the good fortune that comes from aspiration, desperation, perspiration & inspiration ~ Evan Esar
    • kindofagilr
    • By kindofagilr 10th Jan 17, 12:50 PM
    • 6,018 Posts
    • 20,195 Thanks
    kindofagilr
    Hey hun

    How are you?? did yuo have a nice christmas and new year?

    I am on a massive declutter at the min, it's exhillarating getting rid of stuff isn't it xx
    At LBM DFD was Dec 2024
    £47,166.44
    /£43,542.59 ~ 29/06/2017
    ~7.68% Paid

    POAMAYC 2017 #87 PD £5739.91/£10,000

    POAMAYC 2016 #87 PD £7454.80/£7000


    Mortgage (Start Date 01/04/09 ~ 30 year term, due to end 01/07/39)
    £104,409/£86,824 (as of 31/05/17) ~ 16.84% Paid

    Holiday 2018 Fund = £17.18 ~ 02/07/17
    Lost Weight 3/48 Lbs ~ 29/06/17

    My Debt Free Diary (Link)
    • GirlupNorth
    • By GirlupNorth 10th Jan 17, 3:22 PM
    • 33 Posts
    • 56 Thanks
    GirlupNorth
    Hi
    Hi,

    I also live alone and am currently looking for a lodger! bit scared as haven't shared for a while, and only looking for a vegetarian. But it would only be for 6 months and at £400 I would make around £2000 after extras for bills etc...so trying to think about that. Just hoping I find someone lovely who is out and about a lot
    Loan: £6000 due to be paid off in January 2019...
    • blubella
    • By blubella 15th Jan 17, 9:36 AM
    • 436 Posts
    • 2,423 Thanks
    blubella
    Morning All

    I had a really quiet Christmas, visiting parents and cousin...was really nice having some time off of work and relaxing, it's been a while. Well, I was supposed to be away for Xmas but split up with BF a few months before and could not face 17 days away on my own...could not face going away with him either (even as friends) haha. Looking at it positively I did save a few pennies which I put towards my debt.

    How was your Christmas and NY kindofagilr, I bet you had a really lovely time with the littlies?

    My Dad visited yesterday and did some tiling in the kitchen, so close to finishing..and I am now considering moving! 20 years it's taken me to get the house decorated and now I am contemplating a move lol

    Well i cleared a whooping amout of DEBT last year...£17,128.47!! ...am so pleased .. started the NY with a new balance to work towards £7192.72..I am going to make another payment today which will take me to just under £6000.., it's all going in the right direction which is great and makes me happy!

    GirlupNorth you should deffo consider a lodger...it's helping me so much having the extra £ each month. I have a Mon-Fri let and this works out perfectly for me.. I get on really well with my lodger and I have time for myself each week too. I was a bit fussy and wasn't prepared to let to the wrong person and I'm glad i took a few months to find someone.

    ...and last but not least..not forgetting INOD..it's so nice to feel that someone is listening to my ramblings, so thank you for checking in

    Happy New Year to you all..xxx

    Last edited by blubella; 15-01-2017 at 9:40 AM.
    Light Bulb Moment Aug 2015 ~ £24758.52
    Dec 2015 ~ DEBT Cards £18046.78 Dec 2016 £7900 + Bank of Mum & Dad 4687.60 - PAID Jan 2016 ~ DEBT cards £7192.72 £5018.12

    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
    DFBX2017 ~ #101 £
    2313.79/£7192.72
    DFBX2016 ~ #101 £17128.47/£8750 DFBX2015 ~ #101 £3811.87/£3000

    Success is the good fortune that comes from aspiration, desperation, perspiration & inspiration ~ Evan Esar
    • brizzledfw
    • By brizzledfw 15th Jan 17, 10:36 AM
    • 6,914 Posts
    • 33,268 Thanks
    brizzledfw
    Lovely to read your diary properly, I had only lurked before...but have now subscribed

    You're doing brilliantly on changing things and habits gradually but consistently. Well done. We also find lodgers a great way of making money without too much hassle. Meal planning and taking care with every spend is also key. (..and getting rid of 'takers' rather than 'givers' is also important..I am referring to the BF here )

    I also find I am SO much better at attempting to be frugal when I regularly post on here..so recommend that too

    Very best wishes

    Brizzle x
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    July '17 Savings Rate Goal: 33% [June 30%]
    Declutter 100 items before 31.07.17 02/100 ** LSDs Target 10 for July 02/10 **AFDs 18/25 ** Sales Target '17 £750 £140 so far
    **NSDs Target 5 for July 03/05 Trying to be a Frugalista
    • kindofagilr
    • By kindofagilr 11th Mar 17, 9:15 AM
    • 6,018 Posts
    • 20,195 Thanks
    kindofagilr
    Morning All

    I had a really quiet Christmas, visiting parents and cousin...was really nice having some time off of work and relaxing, it's been a while. Well, I was supposed to be away for Xmas but split up with BF a few months before and could not face 17 days away on my own...could not face going away with him either (even as friends) haha. Looking at it positively I did save a few pennies which I put towards my debt.

    How was your Christmas and NY kindofagilr, I bet you had a really lovely time with the littlies?

    My Dad visited yesterday and did some tiling in the kitchen, so close to finishing..and I am now considering moving! 20 years it's taken me to get the house decorated and now I am contemplating a move lol

    Well i cleared a whooping amout of DEBT last year...£17,128.47!! ...am so pleased .. started the NY with a new balance to work towards £7192.72..I am going to make another payment today which will take me to just under £6000.., it's all going in the right direction which is great and makes me happy!

    GirlupNorth you should deffo consider a lodger...it's helping me so much having the extra £ each month. I have a Mon-Fri let and this works out perfectly for me.. I get on really well with my lodger and I have time for myself each week too. I was a bit fussy and wasn't prepared to let to the wrong person and I'm glad i took a few months to find someone.

    ...and last but not least..not forgetting INOD..it's so nice to feel that someone is listening to my ramblings, so thank you for checking in

    Happy New Year to you all..xxx

    Originally posted by blubella
    Hey Blubella

    Sorry to hear that you and your BF split up

    But well done on that phenomenal amount you have repaid!!! that's amazing!!!

    Are you still thinking of moving?

    My Christmas and New Year was great thanks the kids loved it, can't believe we are nearly halfway through March already!!!

    Hope all is well with you xx
    At LBM DFD was Dec 2024
    £47,166.44
    /£43,542.59 ~ 29/06/2017
    ~7.68% Paid

    POAMAYC 2017 #87 PD £5739.91/£10,000

    POAMAYC 2016 #87 PD £7454.80/£7000


    Mortgage (Start Date 01/04/09 ~ 30 year term, due to end 01/07/39)
    £104,409/£86,824 (as of 31/05/17) ~ 16.84% Paid

    Holiday 2018 Fund = £17.18 ~ 02/07/17
    Lost Weight 3/48 Lbs ~ 29/06/17

    My Debt Free Diary (Link)
    • blubella
    • By blubella 7th Jun 17, 6:26 AM
    • 436 Posts
    • 2,423 Thanks
    blubella
    Been hiding for a few months now and dating since March (woohoo) well, not so woohoo when it comes to debt busting!

    Naughtily..I have booked a flight to New Zealand for November, my best friend is celebrating a biggie and has been pestering me for years. There's also a little chink of hope that my son will be there... He has to leave Canada as his visa is up; he can't get residency so is moving on.

    I have been saving like mad using £300 of lodgers money paid in to a high interest account which matures in July, have so far saved £3300 so anything left will go to debt! It also means that I can start bumping up the debt payments after July.

    So where has the year gone? I have decided to put the move on hold and have been considering an extension. Unfortunately, that is out of the question until the debt is paid. Will reconsider in the New Year..but there's so much more involved than i thought.

    So, what have all you lovely people been up to? I have had one camping trip so far but loking forward to lots of holidays in Cornwall as my parents are moving.

    Have a good day x
    Light Bulb Moment Aug 2015 ~ £24758.52
    Dec 2015 ~ DEBT Cards £18046.78 Dec 2016 £7900 + Bank of Mum & Dad 4687.60 - PAID Jan 2016 ~ DEBT cards £7192.72 £5018.12

    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
    DFBX2017 ~ #101 £
    2313.79/£7192.72
    DFBX2016 ~ #101 £17128.47/£8750 DFBX2015 ~ #101 £3811.87/£3000

    Success is the good fortune that comes from aspiration, desperation, perspiration & inspiration ~ Evan Esar
    • blubella
    • By blubella 28th Jun 17, 4:26 AM
    • 436 Posts
    • 2,423 Thanks
    blubella
    Wide awake, it's so muggy and haven't been sleeping well again.

    Have decided to try and check in a bit more frequently to keep me accountable..I have gone a bit wayward and off track with the budgeting TBH, and haven't recorded my spending for a couple of months..have just reset my YNAB balance and am going to start again. I will try and upload my receipts daily to make it manageable.

    Had to fork out £310 for a boiler repair last week...there was a power surge and my boiler was wrecked in the process ..not a happy bunny. Thankfully the plumber is lovely and is allowing me to pay in two installments.

    Have lots going out this month but want to try and up the DEBT card payments. I have increased my debt due to having some dental work that needed doing, all on a 0% card but need to budget more than ever now.

    I also have to admit that I have been out a lot with friends due to the unbelievably nice weather..a sandwich or meal here and there soon mounts up..even when it's only £10 each time.! Went for a lovely canal walk on Sunday with a friend..walked abot 10 miles, and didn't take my purse so no spending which was good..going to aim for at least 10 SFD's from now until 26th July.

    So, I have been thinking of ways that I can cut back as there are a few birthdays this month..cancelled the gym membership and have been going through the cupboards to try and use up my supplies...can't believe how much food is actually in the cupboards and freezer!! I'm sure I can make plenty of meals with a bit of planning and creativity!

    I spent £22 in Morimans today after my £5 voucher was applied...picked up a few reduced items and really tried to stick to the list!! Made some brocolli and stilton soup using up some of the frozen brocolli..it's actually bearable in the soup but I won't buy it again..nothing really beats fresh does it?

    So the meal plan for the week so far is: tuna pasta bake, prawn paella, cauliflower cheese, patatas bravas, red pepper and tomato soup, couscous salad, houmous, mango fromage frais, overnight oats, dahl.

    Right, going to sign off and try and get some more sleeps..night night x
    Last edited by blubella; 28-06-2017 at 7:30 AM.
    Light Bulb Moment Aug 2015 ~ £24758.52
    Dec 2015 ~ DEBT Cards £18046.78 Dec 2016 £7900 + Bank of Mum & Dad 4687.60 - PAID Jan 2016 ~ DEBT cards £7192.72 £5018.12

    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
    DFBX2017 ~ #101 £
    2313.79/£7192.72
    DFBX2016 ~ #101 £17128.47/£8750 DFBX2015 ~ #101 £3811.87/£3000

    Success is the good fortune that comes from aspiration, desperation, perspiration & inspiration ~ Evan Esar
    • blubella
    • By blubella 29th Jun 17, 9:37 PM
    • 436 Posts
    • 2,423 Thanks
    blubella
    £130 paid off of debt and 1NSD..ok..could do better..will aim for anosther NSD tomorrow..I am sure I can make the 10!
    Light Bulb Moment Aug 2015 ~ £24758.52
    Dec 2015 ~ DEBT Cards £18046.78 Dec 2016 £7900 + Bank of Mum & Dad 4687.60 - PAID Jan 2016 ~ DEBT cards £7192.72 £5018.12

    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
    DFBX2017 ~ #101 £
    2313.79/£7192.72
    DFBX2016 ~ #101 £17128.47/£8750 DFBX2015 ~ #101 £3811.87/£3000

    Success is the good fortune that comes from aspiration, desperation, perspiration & inspiration ~ Evan Esar
    • blubella
    • By blubella 1st Jul 17, 5:59 AM
    • 436 Posts
    • 2,423 Thanks
    blubella
    The weekend is finally here..I have really struggled over the past week with lack of sleep, sometimes only 4.5hrs. I think it's had a bit of an impact upon work... as I haven't really been that motivated, been so desparate for the week to end .

    Another NSD yesterday making 2/10...i...think it's going to be a spend day soon though as I need some fresh veggies and eggs; I may be able to stretch that until Monday especially as I won't be here Sun/Mon. My friend and I are going wild camping on Dartmoor over the weekend... I have visions of the summer slipping away, so want to make the most of it.

    Need a to do list for the weekend, hope the weather holds out as lots to do in the garden.
    • Take bag of decluttered items to charity shop
    • Make cauliflower cheese
    • Go for a run
    • Weed raised beds
    • Empty dumpy bag in to green bin
    • Mow lawn
    • Move scrap wood shed to back garden
    • List freecycle items
    • Clean bedroom
    • Hoover and mop kitchen
    • Declutter living room of paperwork
    Better get out of bed and get going ...have a great weekend x
    Light Bulb Moment Aug 2015 ~ £24758.52
    Dec 2015 ~ DEBT Cards £18046.78 Dec 2016 £7900 + Bank of Mum & Dad 4687.60 - PAID Jan 2016 ~ DEBT cards £7192.72 £5018.12

    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
    DFBX2017 ~ #101 £
    2313.79/£7192.72
    DFBX2016 ~ #101 £17128.47/£8750 DFBX2015 ~ #101 £3811.87/£3000

    Success is the good fortune that comes from aspiration, desperation, perspiration & inspiration ~ Evan Esar
    • blubella
    • By blubella 6th Jul 17, 8:22 PM
    • 436 Posts
    • 2,423 Thanks
    blubella
    Didn't get too much off of the to do list over the weekend.
    • Take bag of decluttered items to charity shop
    • Make cauliflower cheese
    • Go for a run
    • Weed raised beds
    • Empty dumpy bag in to green bin
    • Mow lawn
    • Move scrap wood shed to back garden
    • List freecycle items
    • Clean bedroom
    • Hoover and mop kitchen
    • Declutter living room of paperwork
    Went camping on Dartmoor, was lovely but friend overspent on food instead of sticking to the list which means I owe her half.


    Son messaged me saying he is thinking of returning home, not sure what I am going to do? Not enough room for him and lodger as I only have 2 bedrooms, bit of a worry really as I have come to depend on the extra pennies.



    Another NSD on Mon/Tues 4/10
    Light Bulb Moment Aug 2015 ~ £24758.52
    Dec 2015 ~ DEBT Cards £18046.78 Dec 2016 £7900 + Bank of Mum & Dad 4687.60 - PAID Jan 2016 ~ DEBT cards £7192.72 £5018.12

    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
    DFBX2017 ~ #101 £
    2313.79/£7192.72
    DFBX2016 ~ #101 £17128.47/£8750 DFBX2015 ~ #101 £3811.87/£3000

    Success is the good fortune that comes from aspiration, desperation, perspiration & inspiration ~ Evan Esar
    • blubella
    • By blubella 8th Jul 17, 6:33 AM
    • 436 Posts
    • 2,423 Thanks
    blubella
    I have £222.97 to last me until payday..if I can be super frugal I may actually have something to pay the debt down!

    Been reading a blog which suggests having one month of the year using all the storecupboard staples and freezer meals and just purchasing fruit/veg/milk etc...i'm wondering if I can manage that until the end of the month? It may be doable..?

    Have to find some money in the budget for Mum's birthday and fuel to get to work..but planning a weekend at home to get some of those garden jobs cmpleted!
    Light Bulb Moment Aug 2015 ~ £24758.52
    Dec 2015 ~ DEBT Cards £18046.78 Dec 2016 £7900 + Bank of Mum & Dad 4687.60 - PAID Jan 2016 ~ DEBT cards £7192.72 £5018.12

    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
    DFBX2017 ~ #101 £
    2313.79/£7192.72
    DFBX2016 ~ #101 £17128.47/£8750 DFBX2015 ~ #101 £3811.87/£3000

    Success is the good fortune that comes from aspiration, desperation, perspiration & inspiration ~ Evan Esar
    • blubella
    • By blubella 9th Jul 17, 7:05 AM
    • 436 Posts
    • 2,423 Thanks
    blubella
    Got a few more things off of the to do list, going to try and cut the hedges today..the green bin is almost full now. Planted up some flowers into pots yesterday that have been waiting for ages and gave the vegetables a good feed.

    I also painted an old wooden chair which looks lovely 'a la shabby chic' , will have a go at the other one today..have friend popping for lunch...and my very own home grown courgette will make an appearance in the salad!
    • Take bag of decluttered items to charity shop
    • Make cauliflower cheese
    • Go for a run (knee is hurting so may hold off)
    • Weed raised beds
    • Empty dumpy bag in to green bin (started but may have to carry over for when green bin is emptied!)
    • Mow lawn
    • Move scrap wood shed to back garden (listed on freecycle..want rid)
    • List freecycle items
    • Clean bedroom
    • Hoover and mop kitchen
    • Declutter living room of paperwork
    Was feeling a bit down and sorry for myself yesterday and all because of some flippant comment made by BF. Don't know why I let things get to me..but it makes me re-evaluate..

    Today I have woken up full of positivity and thinking about ways to earn extra cash...think I am going to try to upcycle some clothing.. I am a self confessed fabric horder, and have sewing experience from my YTS days..so I am thinking of putting my skills to use..this has been my thoughts many times but my motivation wanes. I have a book of ideas and I really want to get rid of this debt asap..so I am going to have a play around today.
    Light Bulb Moment Aug 2015 ~ £24758.52
    Dec 2015 ~ DEBT Cards £18046.78 Dec 2016 £7900 + Bank of Mum & Dad 4687.60 - PAID Jan 2016 ~ DEBT cards £7192.72 £5018.12

    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
    DFBX2017 ~ #101 £
    2313.79/£7192.72
    DFBX2016 ~ #101 £17128.47/£8750 DFBX2015 ~ #101 £3811.87/£3000

    Success is the good fortune that comes from aspiration, desperation, perspiration & inspiration ~ Evan Esar
    • blubella
    • By blubella 21st Jul 17, 1:50 PM
    • 436 Posts
    • 2,423 Thanks
    blubella
    Not so good news yesterday..lodger has given notice..I will be £365 worse off next month. Also, looks like DS is returning home after all, although I think he intends to find a place of his own to live with friends eventually, but it will put the squeeze on.

    So, I have lost count of my NSD's which judging by YNAB they must be few and far between.. I have just had a bit of a reality check.. I have spent £85 eating out over the month and £165.77 since my last pay day on groceries for one!! I am really disappointed in myself and pretty disgusted..no wonder the muffin is rising again !

    I need to work much harder next month and plan on not going out to eat with friends...just been reading some die hard frugallers blogs, i'm in for a tough ride..
    Light Bulb Moment Aug 2015 ~ £24758.52
    Dec 2015 ~ DEBT Cards £18046.78 Dec 2016 £7900 + Bank of Mum & Dad 4687.60 - PAID Jan 2016 ~ DEBT cards £7192.72 £5018.12

    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
    DFBX2017 ~ #101 £
    2313.79/£7192.72
    DFBX2016 ~ #101 £17128.47/£8750 DFBX2015 ~ #101 £3811.87/£3000

    Success is the good fortune that comes from aspiration, desperation, perspiration & inspiration ~ Evan Esar
    • blubella
    • By blubella 21st Jul 17, 7:40 PM
    • 436 Posts
    • 2,423 Thanks
    blubella
    I've spent the afternoon emptying the freezer and checking store cupboard contents in anticipation of a meal plan. Just used some veggie meatballs, homemade caper and tomato sauce with spaghetti for lunch..yum

    Have lots on the meal plan for the next week...going to try not to spend until the weekend, will be hard but there is little money left this month. Going to make overnight oats and use up the frozen fruit. I made some bean burgers, stuffed peppers, chicken cashew curry sometime ago, so it will all make an appearance on the menu in the next week! Also planning on making a sausage and bean stew in the slow cooker...Will use up some chicken sausages, peppers, onions and butter beans!

    Have two birthdays to factor in, will need to consider this in the long-term plan..pretty sure I will be a little overdrawn this month..
    Last edited by blubella; 21-07-2017 at 8:05 PM.
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