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  • FIRST POST
    • pennywisepoundstupid
    • By pennywisepoundstupid 4th Jan 16, 11:12 AM
    • 4,585Posts
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    pennywisepoundstupid
    Alway's believe that something wonderful is about to happen!
    • #1
    • 4th Jan 16, 11:12 AM
    Alway's believe that something wonderful is about to happen! 4th Jan 16 at 11:12 AM
    Happy New Year everyone!


    Well after over 6 months of being away I'm back and raring to go. So new diary time, 2015 was a carp year and I'm glad to see the back of it, so its a new year of looking forward and not dwelling on the past.


    Will update some more later.x.



Page 43
    • mummytogirls
    • By mummytogirls 16th Aug 17, 10:52 AM
    • 5,824 Posts
    • 20,325 Thanks
    mummytogirls
    So glad you had a good chat with DH Pennywise. My DH is being a pain at the moment too so maybe there is something in the air!!! xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6069.37 - 02/01/18 - 73.80% paid off
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 18th Aug 17, 9:53 PM
    • 8,512 Posts
    • 48,312 Thanks
    please-let-me-be-lucky
    Hi pwps!

    Catching up after a week away. Hope DH has continued to behave and the DC have enjoyed camping. Are you away to join them this weekend? Have fun Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in 2018 4/60
    Lbs lost 8.5/107.
    Savings for Florida £51.04/£1000
    • Hiddenidenity
    • By Hiddenidenity 2nd Oct 17, 5:52 PM
    • 4,212 Posts
    • 26,521 Thanks
    Hiddenidenity
    Hope all is okay x
    • pennywisepoundstupid
    • By pennywisepoundstupid 1st Nov 17, 9:22 AM
    • 4,585 Posts
    • 15,070 Thanks
    pennywisepoundstupid
    Prepare for the worst and hope for the best!
    Good morning and sorry for being absent.

    It has been an eventful few weeks as at the end of August I was diagnosed with cancer, luckily it was caught earlyish and I have been in and out of hospital being prodded and poked, had to have surgery and i'm off work slowly getting better. I can't drive and at points been in quite a lot of pain. But the docs are optimistic that they have got it all, so I am looking forward and telling myself that everything is going to be ok.

    So as you can imagine finances have gone slightly out of the window, although no debt has increased and minimums have been paid on everything, I have been unable to make any extra money, but as I am starting to feel better I need to start getting back on top of spending and budgeting.

    The first thing I've done is make a 2 week meal plan and had have a huge order coming from Mr M (can't drive or lift and DH is back at work and I would rather he spent time with me than trailing around a1di on a Saturday morning, so food budget may be slightly more than usual). Ordered big packs of washing powder/toilet rolls and lots of bread/milk to freeze so hopefully we won't run out until next shop. This is coming tonight when DH is about to put everything away, I can sit at the dining table and check everything off.
    Budget has been sorted and lists made, managed to list a couple of bits on £bay yesterday, but I can't do to much as I get tired quickly.

    Hopefully I will get on everyday and keep posting, hope everyone is ok.x.
    Be mindful of your self-talk. It's a conversation with the Universe."
    Debt free and saving for my future
    Long term savings £10,000 Holiday spends £200.02 General savings £152.62
    Clothes challenge £250/£36.63
    • chanie
    • By chanie 1st Nov 17, 9:31 AM
    • 1,828 Posts
    • 9,274 Thanks
    chanie
    Oh, Penny, welcome back, I have missed you!

    I’m so sorry you’ve had a rough few months, but pleased to read that things are positive.
    2018 challenge to save £1000
    Spend less - £142.66
    Live more - £1436.05
    My spending diary - Spend Less, Live More
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
    • pennywisepoundstupid
    • By pennywisepoundstupid 1st Nov 17, 11:14 AM
    • 4,585 Posts
    • 15,070 Thanks
    pennywisepoundstupid
    Oh, Penny, welcome back, I have missed you!

    Iím so sorry youíve had a rough few months, but pleased to read that things are positive.
    Originally posted by chanie
    Thankyou Chanie, it has been rough especially on the children, but we are positive.
    It has made me reflect on life, what's important and those that are important. I have also found out who my real friends are and who have just been coming along for the ride, it has been particularly upsetting at times and there are going to be people that are now not as welcome in my life as before and others that I wouldn't have called close friends that have done so much and been so caring that I will be forever grateful for. It has certainly sorted the chaf from the wheat. x
    Be mindful of your self-talk. It's a conversation with the Universe."
    Debt free and saving for my future
    Long term savings £10,000 Holiday spends £200.02 General savings £152.62
    Clothes challenge £250/£36.63
    • Hiddenidenity
    • By Hiddenidenity 1st Nov 17, 11:17 AM
    • 4,212 Posts
    • 26,521 Thanks
    Hiddenidenity
    So sorry to hear how things have been. I hope everything goes well and its nice to see you back posting.

    Take care x
    • pennywisepoundstupid
    • By pennywisepoundstupid 1st Nov 17, 11:22 AM
    • 4,585 Posts
    • 15,070 Thanks
    pennywisepoundstupid
    So sorry to hear how things have been. I hope everything goes well and its nice to see you back posting.

    Take care x
    Originally posted by Hiddenidenity
    Hi HI, thankyou for posting, I'm glad to be back and i'm feeling focused again.
    I hope things are ok with you, sorry I havn't had chance to catch up with your diary yet, but I will get across.xx
    Be mindful of your self-talk. It's a conversation with the Universe."
    Debt free and saving for my future
    Long term savings £10,000 Holiday spends £200.02 General savings £152.62
    Clothes challenge £250/£36.63
    • chanie
    • By chanie 1st Nov 17, 12:55 PM
    • 1,828 Posts
    • 9,274 Thanks
    chanie
    Good for you!

    Whilst illness is horrible, when you come out the other side, it can give you a new perspective. Don’t dwell on your past relationships, but look forward to the future.
    2018 challenge to save £1000
    Spend less - £142.66
    Live more - £1436.05
    My spending diary - Spend Less, Live More
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
    • lcc86
    • By lcc86 1st Nov 17, 3:41 PM
    • 943 Posts
    • 2,676 Thanks
    lcc86
    Hi PWPS,


    Sorry to hear about your diagnosis, I'm glad you're back at home and recuperating. Hope recovery continues to go well!
    1/12/14 total £9,140 DFD 30/01/17
    http://forums.moneysavingexpert.com/showthread.php?t=5124473 - my original diary
    25/08/17 £802 owed 21/12/17 cleared and determined to stay debt free this time
    £762/£1000 EF £718 saved for household jobs
    • pennywisepoundstupid
    • By pennywisepoundstupid 1st Nov 17, 5:46 PM
    • 4,585 Posts
    • 15,070 Thanks
    pennywisepoundstupid
    Hi PWPS,


    Sorry to hear about your diagnosis, I'm glad you're back at home and recuperating. Hope recovery continues to go well!
    Originally posted by lcc86
    Thankyou xx
    Be mindful of your self-talk. It's a conversation with the Universe."
    Debt free and saving for my future
    Long term savings £10,000 Holiday spends £200.02 General savings £152.62
    Clothes challenge £250/£36.63
    • pennywisepoundstupid
    • By pennywisepoundstupid 1st Nov 17, 5:53 PM
    • 4,585 Posts
    • 15,070 Thanks
    pennywisepoundstupid
    Going to try and list my achievements however small as a way of keeping me motivated and remind i'm still recovering from a major operation and also Rome wasn't built in a day.

    Todays goals .

    Small overpayment to debt £2.25.
    Washed up and wiped kitchen surfaces.
    put one load of washing in, can't manage to lift it out so will ask DH to put in TD for me.
    caught up on a few surveys.
    put some clothes away.
    Lit woodburner (DS chopped sticks and brought in wood).
    Used a £5 voucher ff my Mr M shop.

    These seem such basic things but to me these are huge achievements, feeling tired this evening as I slept badly last night, have a hospital appointment Friday which is on my mind.
    Last edited by pennywisepoundstupid; 01-11-2017 at 6:15 PM.
    Be mindful of your self-talk. It's a conversation with the Universe."
    Debt free and saving for my future
    Long term savings £10,000 Holiday spends £200.02 General savings £152.62
    Clothes challenge £250/£36.63
    • mummytogirls
    • By mummytogirls 1st Nov 17, 8:00 PM
    • 5,824 Posts
    • 20,325 Thanks
    mummytogirls
    OMG Pennywise, can't believe what I am reading. So sorry to hear what you have been going through , so glad your on the other side of it now.

    I always think things like this make you have a different outlook on life xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6069.37 - 02/01/18 - 73.80% paid off
    • pennywisepoundstupid
    • By pennywisepoundstupid 1st Nov 17, 8:41 PM
    • 4,585 Posts
    • 15,070 Thanks
    pennywisepoundstupid
    OMG Pennywise, can't believe what I am reading. So sorry to hear what you have been going through , so glad your on the other side of it now.

    I always think things like this make you have a different outlook on life xx
    Originally posted by mummytogirls
    Thanks mtg, life has changed, I have changed and I have at least 10 yrs of being on a drug that i'm not sure I want to take (side effects) yet I want to decrease my chances of it coming back and I owe it to my children and myself to give it a chance, I keep telling myself I have too many memories to make and to much to do to allow side effects to control my life.
    Be mindful of your self-talk. It's a conversation with the Universe."
    Debt free and saving for my future
    Long term savings £10,000 Holiday spends £200.02 General savings £152.62
    Clothes challenge £250/£36.63
    • mummytogirls
    • By mummytogirls 1st Nov 17, 8:43 PM
    • 5,824 Posts
    • 20,325 Thanks
    mummytogirls
    You are absolute right Pennywise. You can at least try it and if it doesnt work out with the side effects at least youve tried it xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6069.37 - 02/01/18 - 73.80% paid off
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 1st Nov 17, 8:51 PM
    • 8,512 Posts
    • 48,312 Thanks
    please-let-me-be-lucky
    So sorry to hear of your diagnosis and operation etc, but super pleased to hear things are looking up now.

    Take care of you Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in 2018 4/60
    Lbs lost 8.5/107.
    Savings for Florida £51.04/£1000
    • pennywisepoundstupid
    • By pennywisepoundstupid 1st Nov 17, 8:53 PM
    • 4,585 Posts
    • 15,070 Thanks
    pennywisepoundstupid
    So sorry to hear of your diagnosis and operation etc, but super pleased to hear things are looking up now.

    Take care of you Xx
    Originally posted by please-let-me-be-lucky
    Thankyou PLMBL xx
    Be mindful of your self-talk. It's a conversation with the Universe."
    Debt free and saving for my future
    Long term savings £10,000 Holiday spends £200.02 General savings £152.62
    Clothes challenge £250/£36.63
    • Eager_Elephant
    • By Eager_Elephant 2nd Nov 17, 7:22 AM
    • 4,169 Posts
    • 23,510 Thanks
    Eager_Elephant
    ((((PWPS)))) - so sorry to read about your ill health, great news that you are coming up the other side now.

    It's nice to see the whole family are helping with everything, but so sorry to read that some friends have turned out not to be.
    Ninja Saving Turtle No. 24 for January
    NSD - 11/18
    (up to 17/01/18)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • pennywisepoundstupid
    • By pennywisepoundstupid 2nd Nov 17, 9:37 AM
    • 4,585 Posts
    • 15,070 Thanks
    pennywisepoundstupid
    ((((PWPS)))) - so sorry to read about your ill health, great news that you are coming up the other side now.

    It's nice to see the whole family are helping with everything, but so sorry to read that some friends have turned out not to be.
    Originally posted by Eager_Elephant
    Thanks EE, My family have been fantastic, My DH has been amazing and looked after me so well and been so patient. He really deserves a medal because I have been quite grumpy and snappy at times when I was in a lot of pain .
    Be mindful of your self-talk. It's a conversation with the Universe."
    Debt free and saving for my future
    Long term savings £10,000 Holiday spends £200.02 General savings £152.62
    Clothes challenge £250/£36.63
    • pennywisepoundstupid
    • By pennywisepoundstupid 2nd Nov 17, 9:48 AM
    • 4,585 Posts
    • 15,070 Thanks
    pennywisepoundstupid
    Its a beautiful sunny day here today and i'm quite excited as my friend is coming to pick me up and taking me out for coffee and cake this afternoon, I never realised how much not being able to drive and have my freedom would effect me and at times its been bl**dy frustrating. Also made me think about old age and not wanting to live in the middle of nowhere.

    Todays plans -
    Put a wash on (child will need to hang it out, can't stretch or lift yet).
    Wrap ebay parcel.
    Enjoy afternoon out.
    surveys
    Pay £7.50 overpayment to debt(£bay sale).
    check banking.

    Mr M shop arrived last night, had to ring up and complain as there was some meat missing, so £3.50 refunded. Total came to £153.41, this was for a 2 week meal plan 3 meals a day, toiletries and cleaning bits. I do think I might be able to eek it out a bit longer than 2 weeks though, fingers crossed. I have also hidden lots of treats, breakfast cereal and crisps, otherwise the locust children will swoop and eat everything in 3 days .

    Better finish my tea and get showered and dressed.
    Be mindful of your self-talk. It's a conversation with the Universe."
    Debt free and saving for my future
    Long term savings £10,000 Holiday spends £200.02 General savings £152.62
    Clothes challenge £250/£36.63
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