Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • milann
    • By milann 18th Jan 16, 10:00 PM
    • 1,303Posts
    • 5,675Thanks
    milann
    Milann's life keeps getting in the way.......
    • #1
    • 18th Jan 16, 10:00 PM
    Milann's life keeps getting in the way....... 18th Jan 16 at 10:00 PM
    Been on these forums for some time now...........good intentions of being debt free and at target weight keep coming .....and going......and life just keeps getting in the way!!!

    So it's time for a new diary to help keep me on track and push the excuses behind me and JUST DO IT....

    My debt is down to £2,500 and if I'd have shaped myself I could have had it cleared but I didn't so I need to do that pronto......
    My car was written off in November so I need to do something about getting mobile again, I'm wary of getting a rust bucket as I've had money pits in the past but the cash the insurance company paid out will only get a heap again and I refuse to get finance till I've cleared off the 2 and a half grand.......

    I've gone a bit (lot) mad and really splashed out on a weekend away for combined Christmas and birthday pressie for dh...... never paid so much to for a weekend away before but we're going to a concert. It's not until June so I have to save for that too.

    SO this week I will
    1. Do storecupboard challenge
    2. Keep spending diary
    3. Follow Slimming World plan to get back to target 6LB to go - then I don't need to pay

    Wish me luck on this last leg..............
Page 3
    • milann
    • By milann 15th Jan 17, 7:54 PM
    • 1,303 Posts
    • 5,675 Thanks
    milann
    Not been on here for a while - that thing called life has well and truly got in the way again..............
    MIL had a nasty fall back in September and pneumonia set in - anyway to cut a very long story short she passed away in October. There was an awful lot of running around and extra expenses to pay for (although she had sorted out and paid or her funeral herself) The funeral wasn't until mid November - it was all very sad - but she had had 95 mainly good years , but she is missed.

    Then mid December I had a brand new Grandaughter - she is beauty but I'm looking through those special rose tinted grandma glasses

    We've had a new front door and a new bathroom - both looking good now but encountered problems along the way with leaks, plaster knocked off walls meaning extra phone calls workmen having to come back for extra visits and general bleurrrgh we could have done without - one day something will be straightforward LOL

    So the upshot of all this is I've not paid my cc off in full as I usually do and am in a bit of denial as to what the total might be............so tomorrow I plan to do a bit of getting myself back on plan!!
    • beanielou
    • By beanielou 15th Jan 17, 8:29 PM
    • 45,770 Posts
    • 160,454 Thanks
    beanielou
    Good to see you but sorry to hear your news.
    95 is a good age to see if your quality of life is mostly ok.
    Lovely to have a new grandaughter
    My CC seems to be much the same as yours
    Keep posting
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • milann
    • By milann 21st Jan 17, 9:38 AM
    • 1,303 Posts
    • 5,675 Thanks
    milann
    So it took me a little longer to bring myself to look at the finances but I had to do it today as my payment was due. I've made the payment due but not paid cc in full - I owe £2,377 altogether which I'm annoyed at as I was so close to being debt free. £550 of that is on my cc which will gain interest next month - so need to pay that in full next month. There will also be some added as i have some extra spends on it as have some spendy days at the end of the month for a birthday celebration. The remaining £1800 is interest free until August so I need to pay £250 a month to clear it before then. It is all manageable as long as life doesn't throw any spanners in the works...............
    • beanielou
    • By beanielou 21st Jan 17, 8:10 PM
    • 45,770 Posts
    • 160,454 Thanks
    beanielou
    You can do it
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • milann
    • By milann 16th Feb 17, 7:14 PM
    • 1,303 Posts
    • 5,675 Thanks
    milann
    Had a good few nsd recently �� Feels like a long time since they've been around......
    February is usually a good month for me as I have no birthdays to buy for - don't think I'll be back to paying my complete balance on cc as I'd hoped but the balance after I've paid will be £200 and with reduced spends and short month will be back on track next month and paying in full again. Then will wallop the interest free cc.
    Having a few days at dd over half term so looking forward to granny cuddles - I've been very strict with myself and resisted buying lots of baby clothes to take with me - they have lots and I tend to get carried away with myself. I will get debt free this year - need to get back to basics and just DO without excuses...........
    • beanielou
    • By beanielou 16th Feb 17, 7:26 PM
    • 45,770 Posts
    • 160,454 Thanks
    beanielou
    You can do it
    Enjoy your time with DGD
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • milann
    • By milann 16th Feb 17, 7:40 PM
    • 1,303 Posts
    • 5,675 Thanks
    milann
    Lol just been reading through some old posts and I feel as if I've stood still for a year - still trying to lose weight at sw - although I have set a temporary goal and don't need to pay as long as I'm within target - I'm currently under and will have to set new target soon - I still want to lose at least half a stone. And am still wanting to be debt free - wish I'd never paid my loan early now as I never really caught up with myself......can't go back though. This time next year I don't want to be reading the same old wants .......feeling determined!!!!!!!!!!!!! Feel so close to everything but it keeps getting away
    • milann
    • By milann 16th Feb 17, 7:42 PM
    • 1,303 Posts
    • 5,675 Thanks
    milann
    Thanks Beanie ��
    • milann
    • By milann 20th Mar 17, 9:55 PM
    • 1,303 Posts
    • 5,675 Thanks
    milann
    Yay - I've paid my main cc in full this month - 1st time since Christmas. I feel back on track and in control and will go back to use it just to collect Mr T points and pay in full as I used to. I've had a few unexpected expenses this month so didn't expect to pay in full but really pleased I managed it. £1,750 left on an interest free card so want to get on and get that done and dusted asap. Then I'll be debt free for good...............

    I don't know where time is going seem to be meeting myself coming back most of the time. Had a lovely week at dd's getting lots of granny cuddles at half term. Granddaughter number 1 put her order in for a knitted Red Hiding Hood and a cardigan.... I'm not noted for my knitting speed - but I promised to have them done before I see her the week before Easter LOL LOL LOL

    Life is more normal here as dh is able to drive again, it's been best part of a year and although he adapted well in the end - the smile on his face when his license came said it all.

    Brrrrrrrrrrrrrrrrr - just seen the weather forecast for tomorrow and me not likee............ NEED some sunshine.........pleeeaaaasssssssssssse
    • beanielou
    • By beanielou 20th Mar 17, 10:00 PM
    • 45,770 Posts
    • 160,454 Thanks
    beanielou
    GReat news on one card down
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • milann
    • By milann 20th Mar 17, 10:06 PM
    • 1,303 Posts
    • 5,675 Thanks
    milann
    Beanie Pleased to see you - I will try and get on here more often............
    • beanielou
    • By beanielou 20th Mar 17, 10:13 PM
    • 45,770 Posts
    • 160,454 Thanks
    beanielou
    Beanie Pleased to see you - I will try and get on here more often............
    Originally posted by milann
    That would just be fab
    Only one card to go
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

4,812Posts Today

8,349Users online

Martin's Twitter