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  • FIRST POST
    • blubella
    • By blubella 25th Aug 15, 9:25 AM
    • 424Posts
    • 2,398Thanks
    blubella
    STOPPING robbing Peter to pay Paul...my journey...
    • #1
    • 25th Aug 15, 9:25 AM
    STOPPING robbing Peter to pay Paul...my journey... 25th Aug 15 at 9:25 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 £5993

    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 £
    1338.91/£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, 4:34 AM
    • 424 Posts
    • 2,398 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 £5993

    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 £
    1338.91/£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, 4:22 PM
    • 424 Posts
    • 2,398 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 £5993

    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 £
    1338.91/£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, 3:04 AM
    • 424 Posts
    • 2,398 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 £5993

    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 £
    1338.91/£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, 11:50 AM
    • 5,997 Posts
    • 20,044 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
    /£38,397.15 ~ 25/03/2017
    ~18.59% Paid

    POAMAYC 2017 #87 PD £3248.38/£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/£87,587 (as of 28/02/17) ~ 16.11% Paid

    My Debt Free Diary (Link)
    • GirlupNorth
    • By GirlupNorth 10th Jan 17, 2:22 PM
    • 33 Posts
    • 54 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, 8:36 AM
    • 424 Posts
    • 2,398 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 8:40 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 £5993

    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 £
    1338.91/£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, 9:36 AM
    • 6,637 Posts
    • 31,676 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
    March '17 Savings Rate Goal: 30% [Feb 25%]
    Declutter 50 items before 31.03.17 12/50 ** LSDs Target 10 for March 04/10 **AFDs 14/20 ** Sales Target '17 £750 £70 so far
    **NSDs Target 10 for March 02/10
    • kindofagilr
    • By kindofagilr 11th Mar 17, 8:15 AM
    • 5,997 Posts
    • 20,044 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
    /£38,397.15 ~ 25/03/2017
    ~18.59% Paid

    POAMAYC 2017 #87 PD £3248.38/£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/£87,587 (as of 28/02/17) ~ 16.11% Paid

    My Debt Free Diary (Link)
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