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  • FIRST POST
    • LightBulbMoment
    • By LightBulbMoment 9th May 16, 12:07 PM
    • 90Posts
    • 402Thanks
    LightBulbMoment
    My Mega Light Bulb Moment
    • #1
    • 9th May 16, 12:07 PM
    My Mega Light Bulb Moment 9th May 16 at 12:07 PM
    Hi Everybody,

    I have been reading every bodies Diaries now for about three / four weeks and have found them to be an amazing read that has inspired me to join this site and produce my own diary so that I can reduce the amount of debt I have ended up with.

    Having read a lot of your diaries it has given me the kick up the backside firstly to actually sit down and calculate the actual amount I owe.

    Well it is £32,944.00.

    Secondly, I really did not know what the interest rates where on the cards the amounts was on, I know it is shameful. So over the weekend I have looked at each account, established the interest rates on each one and have moved some about as on some of the account I had 0% BT.

    So as a result some of the debt is on 0% which is a far better situation than what I was in last week.

    I have also created an account on the snowballs site and put in all the figures. It has shown me:
    a. which card I need to pay off first or
    b. which card I need to transfer to a 0% card if I receive any more offers.

    So I do feel like I have achieved something over the weekend.

    I have decided that I need goals and aims as I feel this will keep me on the path to reducing this amount and eventually getting shot of it all together.

    My goals for May are:

    1. Keep my weekly shopping to under £70 a week, this is for 4 adults and two dogs. I want to do this as I feel that we do waste a lot of money on food that is going out of date and does not get used. I need to be more organised and make sure everything gets used in a healthy affordable way.

    2. I have so much junk around the house, garage and shed. I am going to list at least five items each day on ebay in May and all the money made will go to pay off the credit card with the highest interest rate.

    3. I am going to aim to do a car boot sale on Sunday if the weather is ok.

    4. Pay £1000 a month that is including all minimum payment on the credit cards.

    I know this is not going to be easy but I really hate being in the position and I just want it sorting out for good.

    The really silly thing is I can honestly say I really do not know what the money was spent on.

    Take care everybody

    Light Bulb Moment
Page 7
    • ramblehan
    • By ramblehan 31st Jul 16, 8:52 PM
    • 342 Posts
    • 683 Thanks
    ramblehan
    Hi LBM. Great car boot result! making me wish we had anything left to sell, but we're pretty empty these days. Did have an ebay success last week with a text book I found in a box - got £100 for it!
    Hope you are good. Are you aiming for another £750 pay off this month?
    Ramble x
    LBM June 2015: £24025.75!
    The big bad three:£22,034 8.8% down 91.2% to go:
    Tax savings: £400/£1800
    'Very little is needed to make a happy life' Marcus Aurelius
    • LightBulbMoment
    • By LightBulbMoment 1st Aug 16, 8:38 AM
    • 90 Posts
    • 402 Thanks
    LightBulbMoment
    Good morning everybody,

    Well I feel really motivated this morning, I dont know if it is because it is the first of the month or not.

    I have already started to list some new stuff on ebay as I noticed they are doing free listing all through August which will come in handy.

    I have also removed all my bottles of perfume so that I am forced into using all those samples that I have collected and put in a draw, as it is my aim to declutter that draw this month by using them all. It makes me laugh really the way I dont have enough storage space for keeping stuff like that in the cupboards and draws. Is anybody else the same.

    Ramblehan - Hi my darling, did you have a good time in the caravan? I used to love caravan holidays when I was a kid, My mum and dad had a touring caravan and we used to go all over in it each year.

    OMG - The text book you found that is amazing. What was it? It would be great if you had a few of them just about in the loft. The car boot sale went really well I was made up when I got home and realised how much I had taken. I have decided to use half of it to start buying some Christmas presents as I really do not want to leave it and start to use my credit card again in December. If I am organised and start getting some each month now I wont do that. My aim for this month is £826 to be paid off. It sounds sill but it just rounds up all the numbers, so will see how it goes.

    It is now three full months since I last used a credit card, which I am so happy about. As the old LBM would have paid some off and spent it again. So I am learning to hold my own each month, pay minimum payments and also make extra payments. It makes me ask the question WHAT DID I DO WITH ALL MY MONEY? before this. The answer is I really do not know.

    Any way must dash, I am going to go and do the meter readings so will see how I have faired with that goal of trying to reduce them both.

    Take care and have a nice day.

    LBM
    My Light Bulb Moment 6th May 2016 Debt on 6.5.16 £32,944.00
    Debt on 2.8.16 £29,882.00 Paid off 9.29%
    • ramblehan
    • By ramblehan 1st Aug 16, 8:59 PM
    • 342 Posts
    • 683 Thanks
    ramblehan
    Hey LBM, we had a great time thank you. Lots of messing around outdoors, walking and evenings by the fire.
    The book was Practical Greenkeeping"!!!!! (A thrilling read, I'm sure ) know idea where it came from it was just in a box in the loft.. I was basically checking a box of books on money magpie, and most of the books I checked came up as being worth 1p or 2p (haven't bothered to do anything with them as not worth the time - going to give to charity!) Anything that came up more than £1 I checked on ebay and amazon, and this one came up as being for sale on amazon for £250!! There was another one on ebay selling for £150....but seeing as i got it for "free" I didn't feel I could list it for that much so i thought I would chance putting it up for a £100...got someone who offered me £30, I responded with £50, and he said £40, but I said no. Then work up the next day and someone in Germany had bought it for the full price!

    Has made me think about looking for things in charity shops which you could sell on for more money, with the magic of an internet phone to check what things are worth....if I can be bothered - but it does feel like a bit of a challenge!!

    And in answer to your question WHAT DID YOU DO WITH ALL YOUR MONEY? It was gobbled up by thieving pixies. They were round my house too!

    TTFN Ramble x
    LBM June 2015: £24025.75!
    The big bad three:£22,034 8.8% down 91.2% to go:
    Tax savings: £400/£1800
    'Very little is needed to make a happy life' Marcus Aurelius
    • debtaghh
    • By debtaghh 2nd Aug 16, 8:01 AM
    • 431 Posts
    • 1,117 Thanks
    debtaghh
    Just read your whole diary, you are doing so well and have given me some ideas!
    • LightBulbMoment
    • By LightBulbMoment 2nd Aug 16, 12:50 PM
    • 90 Posts
    • 402 Thanks
    LightBulbMoment
    Hi Everybody,

    I hope everybody is well and in good spirit on this sunny summers day! I think not.

    Well I had another two sales on ebay over night so they are wrapped and have been sent to the post office. Ebay fees paid and the remainder which was £24.50 has been paid of the c/c bill.

    I managed to list six things yesterday so I am staying on target with that one, so hoping for some more sales, but will see.

    I have updated my figures this morning and I am now under the 30K mark which is great and I have paid off 9.29% of the debt since starting this diary in May which I am more than happy with. I think the total will start to fall faster now as I have moved all the balances around which did add fees to my balance. However, all the transfers were for twelve months interest free so it really was worth it.

    So I am hoping over the next twelve months to hit them big time and get it down as much as possible.

    I done the gas and electricity readings and updated my account yesterday and we have used less again this month so that is good. And, I dont think I am having to sound like a long playing record as much with please turn off the lights and tv which is an added bonus.

    I made a stew in the Slow Cooker last week with all the veggies that needed to be used up and so chicken that was in the freezer. It was so good. I did go a little over board and the slow cooker was full to the brim. However, everybody in the house had some for dinner and everybody loved it that much they all had it the following evening as well. So, the stew was a hit, it lasted two nights and I used up all the odd bits of veg that in months gone by I would have put in the dustbin. WIN WIN situation.

    Hi Ramble, - I am so glade you had a nice weeks holiday, it really does make a difference when you can get away. I think you come home more positive and ready for the next chapter what ever that may be. I am still amazed at that book, I think it is great well done.

    A few years ago I purchased this little toy at a toy boot sale for 20p as it reminded me of my Nan. It was in a cupboard for years just sat there. When I had a sort out I had a look if it was worth anything and yes it was. I listed it on ebay and a lady in Australia purchased it for a toy museum. It sold for £150. It would be great if things like that came around quite often we would both be debt free in no time at all.

    Yesterday I was doing my accounts and each time I got fed up I started reading your diary. I got to page 4, so today I am going to catch up on it. It is so amazing that you had your little baby, you are so lucky. I know how it feels as I had a really bad time but in the end had two children which I am so thankful for even when they both are being total pains in the neck!

    Debtaghh- Thank you so much for stopping by and reading my total waffle. I am going to go and have a look if you have started a diary as I love reading what other people are up too. It seems to motivate me to up what I am doing, which is great. I think I am at the point now were I am getting quite a buzz at that figure going down and knowing that I am in control of it and not the shopping and spending money that I did not have being in control of me.

    Any way I feel like I have wrote War and Peace today and need to go and do some work. Oh, also I have made £500 more than usual in July for extra jobs that I have done, which is also fantastic news.

    Take care everybody

    LBM
    Last edited by LightBulbMoment; 02-08-2016 at 12:54 PM.
    My Light Bulb Moment 6th May 2016 Debt on 6.5.16 £32,944.00
    Debt on 2.8.16 £29,882.00 Paid off 9.29%
    • LightBulbMoment
    • By LightBulbMoment 5th Aug 16, 9:53 AM
    • 90 Posts
    • 402 Thanks
    LightBulbMoment
    Hi Everybody

    I cannot believe it is Friday again.

    Well, I have had a really busy week were work is concerned which is good but have not had any time to do anything else.

    I have decided that I am only going to do a very small shop this week for the basics such as bread, milk, fruit and veg as the freezer is full to the brim. So I am going to plan all meals around that and just do a very small top up shop. This should save me about £50 this week I think.

    I have started to use all the samples, small bottles of shampoo, conditioner, shower gels, perfumes and lotions and potions in my draw. Think I have used about ten up to now, as I really need the space and they have been there a good while now and I never think of using them. So I have decided during August I am not opening anything new just using all the little sample sized items so that I can have my draw back.

    Any way must dash as I have a lot to do today from a work point of view, which means I will be earning a lot of money

    Take care and have a good weekend

    LBM
    My Light Bulb Moment 6th May 2016 Debt on 6.5.16 £32,944.00
    Debt on 2.8.16 £29,882.00 Paid off 9.29%
    • PurpleFairy26
    • By PurpleFairy26 5th Aug 16, 5:43 PM
    • 1,334 Posts
    • 8,654 Thanks
    PurpleFairy26
    Wow lbm look at your new signature, it's come down so well in a relative short time

    Thanks for the fleabay tips, I finally got round to listing 15 and did a mixture of 7 day auction, 30 day auction and fixed price. So far half have sold and I'm thrilled with the once I got for all of them so thanks for your advice. PF.
    CC1 paid off April '16. Debt on 0% card deal ends March '18, so DF date is also March '18, because we'll be saving the rest
    • LightBulbMoment
    • By LightBulbMoment 8th Aug 16, 10:18 PM
    • 90 Posts
    • 402 Thanks
    LightBulbMoment
    Hi Everybody

    I hope everybody has had a nice weekend. Mine was really busy catching up with lots of jobs at home.

    I have been really busy with work today and done a twelve hour day, which will pay really well so it will come in handy.

    PurpleFairy26 - Thanks for stopping by. I am made up with my total figures coming down I just hope I can keep it up. It is great news about your ebay sales. It really is worth doing if you can find the time. I have been so busy with work this last few weeks I have not really had time to list very much new items. But I am not stressing over it as the jobs I am doing are paying really well at the moment so that really does have to be my priority.

    I put £20 worth of petrol into the car on Friday so I am going to make that last all week again. I also went and done a really fast food shop and bought some fresh bits and bobs which came to £12.50. So we are going to have a use up what is in the freezer and cupboards week this week.

    Any way take care everybody

    LBM
    My Light Bulb Moment 6th May 2016 Debt on 6.5.16 £32,944.00
    Debt on 2.8.16 £29,882.00 Paid off 9.29%
    • louby40
    • By louby40 9th Aug 16, 9:33 AM
    • 548 Posts
    • 1,281 Thanks
    louby40
    LBM

    wow, you are doing so well! I did a lot of eBay sales at the beginning of July but because of my holiday it's slowed down.

    I don't think I have much else to see tbh, I may have some winter boots and clothes that I could put on in the autumn. I have got a box of books and DVDs that went to music magpie yesterday, it wasn't much but has gone straight to my cc.

    Maybe I need to go up the loft and see what's up there!
    • LightBulbMoment
    • By LightBulbMoment 11th Aug 16, 11:10 AM
    • 90 Posts
    • 402 Thanks
    LightBulbMoment
    Hi Everybody

    I cannot believe the weather we are having it is like October not August.

    Any way I am still working my little socks off at the moment as I have took another couple of extra jobs on this month, so I need to put in alot of hours. However, I will benefit in the next few weeks when I get paid.

    As a result of working so much I have not been able to list anything on ebay, but I really am not fretting over it as the work I am doing is all good paying projects so I will be rewarded come the end of the day. As soon as work slows down I will start listing items again on ebay and try and get shot of more stuff that is not wanted any more.

    I am also hoping to do another car boot sale during August but will have to see on the weather.

    Hi louby40 - Thank you so much for dropping by. Go and get in that loft and see what you can find I am sure there will be some treasures hanging about. I have not finished with our garage yet and cannot think about the loft at the moment as it is full to the brim with stuff. What the stuff is I really do not know. I was thinking of having a look at Music Mag because we have alot of books, CD's and DVD's about that nobody touches any more and they need to go as they are taking up space that we could use. When I get a minute I am going to go and have a look at that.

    I am also still using all the samples and not opening anything new in August to release the space in a very large draw. It is going really well. However, some of the stuff is really nice and old LBM would have ordered it on line by now but I am resisting doing that which is good.

    AND, I STILL HAVE NOT USED MY CREDIT CARD

    Any way must dash as a lot of work to do today.

    Take care

    LBM
    My Light Bulb Moment 6th May 2016 Debt on 6.5.16 £32,944.00
    Debt on 2.8.16 £29,882.00 Paid off 9.29%
    • louby40
    • By louby40 11th Aug 16, 3:54 PM
    • 548 Posts
    • 1,281 Thanks
    louby40
    Music Magpie is ok, most of my DVds were only worth 50p but nobody watches them anymore and it doesn't cost anything to scan them, box them up and use their free collection service so it's a no brainier. It goes straight into your bank account too!
    • LightBulbMoment
    • By LightBulbMoment 17th Aug 16, 9:20 AM
    • 90 Posts
    • 402 Thanks
    LightBulbMoment
    Hi Everybody

    I cannot believe it is another lovely day again today.

    Well, I am still working so hard but all the jobs I have will all be finished early next week so it will leave me some time to start doing ebay and music magpie.

    Kept up to date with my shopping bill. But next week I am going to have a really good go at using stuff in the freezer and cupboards because they really are so full. So that needs to be sorted out.

    Petrol still on budget which is great.

    Also my DS has paid all the money back that was outstanding which is great. I never thought that I would say that but after he was paid last month he paid the outstanding amount into my bank account. So Happy Days!

    louby40 - Thank you so much for dropping by again. Next week I am going to have a look at Music Magpie as we have three cupboards full of DVD's that nobody looks at. I think I am going to start sorting through them as we need the space in the house. So thank you for the help with it.

    Any way must dash as I have so much to do today.

    Take care

    LBM
    My Light Bulb Moment 6th May 2016 Debt on 6.5.16 £32,944.00
    Debt on 2.8.16 £29,882.00 Paid off 9.29%
    • ramblehan
    • By ramblehan 17th Aug 16, 10:56 AM
    • 342 Posts
    • 683 Thanks
    ramblehan
    Hey LBM -just waving hello. Sounds like things are still going great and good on your DS!
    My only recommendation with anything like music magpie is they offer you more than a tiny amount, do some checking on other sites like amazon and ebay as it may be worth even more if sold on those sites. That's how I discovered a book which I sold for £100 - one of those sites offered me £2.50 for it - but that was so different to the 1p that they offered me for something else, that I hunted around and was very glad I did!!
    LBM June 2015: £24025.75!
    The big bad three:£22,034 8.8% down 91.2% to go:
    Tax savings: £400/£1800
    'Very little is needed to make a happy life' Marcus Aurelius
    • LightBulbMoment
    • By LightBulbMoment 18th Aug 16, 8:31 AM
    • 90 Posts
    • 402 Thanks
    LightBulbMoment
    Hi Ramblehan,

    Thank you for dropping by. I still cannot believe you sold an old book for £100. I always do my research before selling anything, I really think you need to do this before selling anything. But thanks for looking out for me.

    This morning I have sorted through a couple of bags in the garage they were full of clothes. I have taken out some stuff for to list on ebay, put some stuff in a bag for the next car boot sale and I have three full black bin bags of clothes. I am going to visit a client this morning so I am going to drive pass one of those cash for clothes places. I am going to brave taking the three bags as the clothes are not worth anything. I am a little scared as I have never been to one of those before. I know I wont get much but anything is better than nothing and the garage is three full bin bags lighter as well!

    Any way have a nice day everybody.

    LBM

    Quick Update: I took the three bags of junk clothes to the cash for clothes place and I got £13.50 for them. I am ok with that as they were mostly junk that I could not sell on ebay or a car boot sale so £13.50 for them was better than nothing.
    Last edited by LightBulbMoment; 18-08-2016 at 11:12 AM.
    My Light Bulb Moment 6th May 2016 Debt on 6.5.16 £32,944.00
    Debt on 2.8.16 £29,882.00 Paid off 9.29%
    • ramblehan
    • By ramblehan 18th Aug 16, 11:22 AM
    • 342 Posts
    • 683 Thanks
    ramblehan
    £13.50 - that's great!
    LBM June 2015: £24025.75!
    The big bad three:£22,034 8.8% down 91.2% to go:
    Tax savings: £400/£1800
    'Very little is needed to make a happy life' Marcus Aurelius
    • louby40
    • By louby40 18th Aug 16, 1:18 PM
    • 548 Posts
    • 1,281 Thanks
    louby40
    I did it last year and got about £8! I didn't realise there were rules and they didn't accept school uniform. But it was £8! A bottle of wine and some nibbles.
    • LightBulbMoment
    • By LightBulbMoment 19th Aug 16, 10:56 AM
    • 90 Posts
    • 402 Thanks
    LightBulbMoment
    Hi Everybody

    What a difference a day makes the weather is just horrible. But it is not going to put me off getting all my stuff sorted today.

    Aims for today:

    Finish this job I am two thirds of the way through.
    Take some cheques to the bank.
    Make a meal plan for next week.
    Food shopping which is going to be a small shop as I really need to use some of the stuff out of the freezer.
    Sort out a lot of stuff to list on ebay.
    Tidy my bedroom.

    I dont need petrol this week as I have over half a tank as I have not used the car that much over the past week. I have tried to walk or if somebody else has been going in the same direction jump in with them. So that is £20 saved this week.

    Also, I forgot to say yesterday as I was in a rush when I took the old junk clothes to the cash for clothes place I had to park quite a way down the road. I got out the car and started to unload the three bags from the back seat off the car. When I looked down to pick up the bags on the floor was a bundle of notes by the back door of the car. I picked them up and put them into my pocket. When I got home I had a look and guess what there was £50 ! Back of the net.

    So I am not withdrawing any money out of the bank as I do not need petrol and was only going to do a small shop this week so between the £50 and the £13,50 from the clothes that will do me this week as I have not got anything planned apart from the gym which I have paid my membership.

    Oh also I decided to cancel my DD gym membership which is £15 a month as she now has a boyfriend and the gym has took a back seat. So another £15 saved each month as I am not paying for it if it is not getting used.

    Hi Ramble, thanks for dropping by I am going to go and catch up with your diary on my coffee break to see what you have been getting up to.

    Hi Louby thanks for dropping by. What are you like! To be honest I hated going to that cash for clothes place as they looked at each piece of clothing and decided if they would accept it or not. I just thought it was horrible considering the amount of money they give you for the clothes. But, I would have taken them to the charity shop and received nothing so I should not moan.

    Take care everybody

    LBM
    My Light Bulb Moment 6th May 2016 Debt on 6.5.16 £32,944.00
    Debt on 2.8.16 £29,882.00 Paid off 9.29%
    • louby40
    • By louby40 19th Aug 16, 3:42 PM
    • 548 Posts
    • 1,281 Thanks
    louby40
    LBM

    It made me feel quite uncomfortable to be honest taking my clothes to the clothes place. The woman was Polish I think and she stood talking to another woman (in Polish) with a cigarette in her mouth as she sorted through my clothes. It wasn't a nice experience.

    Lucky you finding £50! Spend it wisely
    • ramblehan
    • By ramblehan 1st Oct 16, 9:39 PM
    • 342 Posts
    • 683 Thanks
    ramblehan
    Hey LBM. How are you doing?
    X Ramble
    LBM June 2015: £24025.75!
    The big bad three:£22,034 8.8% down 91.2% to go:
    Tax savings: £400/£1800
    'Very little is needed to make a happy life' Marcus Aurelius
    • try harder
    • By try harder 12th Oct 16, 1:55 PM
    • 178 Posts
    • 454 Thanks
    try harder
    Hi lbm ,i can see you havent been around for a while ,me neither ,i havent posted since August ,i had forgotten my password and could not get the new passwords to enfer correctly but im back now.I hope alls ok with you.
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