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  • FIRST POST
    • sauceoclock
    • By sauceoclock 10th Sep 16, 11:35 AM
    • 839Posts
    • 888Thanks
    sauceoclock
    Single, independent & in (a little bit of) debt!
    • #1
    • 10th Sep 16, 11:35 AM
    Single, independent & in (a little bit of) debt! 10th Sep 16 at 11:35 AM
    Hi guys!

    I had a debt-free diary that started in 2014 and so much has changed in my life since that it's time to start fresh with some new ideas.

    I work full-time, live alone in a flat that I privately rent, have a car and not many commitments. I will do an outline of my costs in the next post.

    I am currently taking some exams via my job that will result in a much better paid position. I do usertesting when I have some free time so supplement my income, I'm a bit of an eBay whiz & I've been on a mission to reduce my food waste and utilise my full size freezer.

    I owe £450 on a credit card, this is from some new clothes I desperately needed, my home insurance renewal & a couple of trips to a wholesaler to buy some bulk items. I also 'owe' my grandmother £6,000,00, this my flat deposit, some of my moving fees and my car. This doesn't need to be paid back any time soon, I had started paying it off but needed the money during a brief period of unemployment.

    I look forward to starting a new journey!
    Loan: £3,600 £2,773.32
    Credit Card: £1,758.95 £1,733.95
    Emergency Fund: £200 (Aiming for £2000 by Dec 2018)
    Goal Debt-Free Date: February 2019
    November NSDs: 2/10
Page 12
    • Princesssparkle
    • By Princesssparkle 8th Sep 17, 5:40 PM
    • 38 Posts
    • 116 Thanks
    Princesssparkle
    Hey Sauce. I'm sorry to hear you've been so poorly bless you.

    Sounds very positive in the other areas of your life though. I'm so pleased for you.

    Have a wonderful trip away x
    • sauceoclock
    • By sauceoclock 18th Sep 17, 11:50 AM
    • 839 Posts
    • 888 Thanks
    sauceoclock
    So I am back from my travels! I had an awful cold and now have a chest infection because I am so weak. Off to the doctors tomorrow (if I can get an appointment) to pick up some antibiotics as spoke to her on the phone and she said to come in. Tried not to let it spoil our trip and we walked miles every day, I had fun and loved spending time with my OH but I don’t think I’m in a rush to go back.

    My mum had a pay out on an insurance policy with regards to my late Grandfather, she is going to use it to pay for a villa in Florida in 2019. The whole family are invited and my boyfriend is very keen (he really loves my family). All we will need to cover is our flights and the excursions/theme park tickets plus some groceries, it’s a long way off so for now my financial plan remains the same with this in the back of my mind.

    In terms of finances, we spent all our money in Amsterdam as food etc. was so costly. BF has paid for most stuff and now only owes £250.00 on the flights and hotel costs. My car insurance renewal is £550.00 (uninsured driver in stolen car hit and ran in 2015 which is impacting my insurance still.. not my fault grrrr). Loan repayments are ticking along nicely, minimum payments for the next few months as Christmas approaches and being part time means less net pay! I’m going to start my Christmas shopping next week, I like to get ahead of the curve and wait for good discounts on items I want for presents!

    Used yesterday to deep clean the house top to bottom. I cleared out my wardrobe in the process and did a bin-bag for the charity shop, also found 7 items of clothing worth eBaying, will do it this afternoon. We went to Aldi and Asda and stocked up on frozen fruit and veg as well as lots of cupboard food. I’ve been cooking most nights as I get home early, I’ve pulled back from going out too. Only 2 more loads of laundry left and a mirror to be hung on the wall (BF’s job!) and the place is done and decorated. OH’s son will hopefully be starting to come and stay overnight from December time onwards so we’re keeping our eyes peeled for a little fold-away/futon bed at a decent price. We’d rather a new one than used so any suggestions are welcome.
    Loan: £3,600 £2,773.32
    Credit Card: £1,758.95 £1,733.95
    Emergency Fund: £200 (Aiming for £2000 by Dec 2018)
    Goal Debt-Free Date: February 2019
    November NSDs: 2/10
    • sauceoclock
    • By sauceoclock 20th Sep 17, 11:58 AM
    • 839 Posts
    • 888 Thanks
    sauceoclock
    Iím off to the bingo tonight with my Mum and my closest gal pal, I canít wait as Iíve been struggling with losing my friendship circleÖ I know Iíve mentioned some problems but I donít hear from them at all now, for months communication has only been me reaching out to them which Iíve stopped. One of my close friends sent me very confusing messages because I went to get my nails soaked off when I got out of the hospital, she was angry at me for not offering to take her or messaging her to tell her I was doing it. Her messages were up and down and I couldnít tell if she was saying sorry for being upset about something so silly or laying in to me. I consequently got attacked by a clique sheís formed which ended up in me leaving what had been a fun night out as they got very personal and I walked home choking back tearsÖ. It seemed like theyíd all discussed this matter as they had pre-formed opinions about the situation, I was none-the-wiser anyone was upset with meÖ specifically over something so trivial! I spoke to my boyfriend and heís very blunt and honest, I asked him a few times if he could see where Iíd gone wrong and he said that sincerely he canít fathom what their issue is and he was really disappointed by how rubbish everyone was when I was bedbound and did wonder then why I was friends with them. Aside from my closest girlfriend (who is also being mildly punished for associating with me) Iíve decided to just move on, theyíre not friends and Iíve been pushed to make so many apologies even though I really do feel Iíve not done anything wrong, I canít keep saying sorry to people for things that are not a problem. My best friend spoke to some acquaintances who have been friends with this particular girl in the past and they said they she did similar to them, went nuts over something tiny and made them feel terrible then told all their friends over-dramatized versions of events so they side with her. High school springs to mind, Iím too old for this!

    In terms of money I have 2 items left on eBay and another 2 to list (tomorrow while BF works late), hopefully I win at the bingo tonight as Iím owed some good luck! I set £15 aside for the bingo when we got back from holiday so I donít need to worry about paying for it. Payday is approaching swiftly which I am very excited about, canít wait to pay my bills for the month and start to recover financially after our holiday. We have plenty of food in the house and no plans to go out except BF has his little boy this Sunday and my Mum is really pressuring us to go to her house for dinner Saturday evening, Iím trying desperately to postpone to next weekend when I can afford the fuel but sheís really pushing this weekend which means sheís probably got something she wants to discuss with us. Iíd love to go on Saturday but financially it would be much easier to go next week.
    Loan: £3,600 £2,773.32
    Credit Card: £1,758.95 £1,733.95
    Emergency Fund: £200 (Aiming for £2000 by Dec 2018)
    Goal Debt-Free Date: February 2019
    November NSDs: 2/10
    • wellylass89
    • By wellylass89 20th Sep 17, 12:16 PM
    • 302 Posts
    • 383 Thanks
    wellylass89
    Just catching up Sauce, glad you had a nice time away but sorry to hear you were ill when you got back!

    Bingo sounds like fun and maybe just what you need, sorry to hear about your so called friends.. I had a similar incident with my ex best friend a few years ago, she just turned one day called me all sorts saying I wasn't helping her with this or that.. absolutely broke my heart I bent over backwards for her and I couldn't work out what I'd done wrong and for a long time I assumed I was this terrible person! Alas it turned out I wasn't the only person she'd done it to and it was clear the problem was all hers not mine.. but don't be hard on yourself you don't need people like that in your life.. I literally have 3 friends who I know would have my back come hell or high water they all live ages away from me so I don't see them often but when we do it's like old times and seems to make up for our time apart.

    Good luck for bingo

    Welly x
    • sauceoclock
    • By sauceoclock 20th Sep 17, 1:48 PM
    • 839 Posts
    • 888 Thanks
    sauceoclock
    Good Afternoon Wellylass!

    Lovely to hear from you, thanks for stopping in!

    Yep, sounds like you know my situation pretty well. This particular individual does have sincere mental health issues but I have always had her back, Iíve picked her up, dropped her home, taken her on little days out, paid for her to get her nails done when she was feeling a bit low, written letters for her, helped her boyfriend write an important letter for her, cooked group dinners, driven everyone out to KFC for a little get together (even though Iím veggie and allergic to paprika!), remembered to send a card when she was feeling rubbish and the list continues. I canít see how me taking myself for a 10 minute nail appointment when I was really poorly has panned out this way. Iím trying not to be a victim but after I was laid in to at the pub I do feel a little ganged up on. Thereís no huge argument happened but there may as well have been as I now donít hear from anyone or get invited to anything, Iíve been thinking I must be absolutely dreadful for people to just cut me off like this. My best friend from the group has been amazing, we cook each other dinner, we do things like tonight together, we go to the supermarket together, she visited me in the hospital and popped in for cups of tea when I was bored out of my mind whilst recovering. Thatís a real friend and I would 100% do the same for her, we always invite this other girl and recently sheís not come to anything, presumably so she can justify this behaviour with a Ďtheyíve excluded meí just like primary school!

    Itís toxic so I am actually better off well shot of this group of people, it just seems a shame as they were my Ďcoreí group of friends and now I have to work on building up friendships with others that I have perhaps neglected for this selfish group of people instead!
    Loan: £3,600 £2,773.32
    Credit Card: £1,758.95 £1,733.95
    Emergency Fund: £200 (Aiming for £2000 by Dec 2018)
    Goal Debt-Free Date: February 2019
    November NSDs: 2/10
    • MrJester
    • By MrJester 24th Sep 17, 7:44 PM
    • 994 Posts
    • 502 Thanks
    MrJester
    I think difficulties with friends and family is a really good opportunity to assess whether they are aligning with the lifestyle you want to lead. They say you are a sum of the 5 people you spend the most time with, and sometimes that is negative and sometimes needs to change if it doesn't match up with the life you want to lead or who you want to be.

    Apart from that, toxicity is ripe in friendships typically because friends can feel hurt very quickly if/when you are becoming someone else than the friend they signed up for. They always want you to stay the same (if they are not growth-minded) because that suits them. But it might not suit you, not at all.

    Whilst this particular person sounds potentially toxic and not a good match for you as a friend, I think these times are great opportunities to look at ourselves too. There's rarely ever just one side that is causing all problems in a relationship, I truly believe that, and so whilst they might not be someone you can continue to be around it's still a great learning opportunity for us as people to try and grow from it and put ourselves forward in a better way in future so that we end up in less of these situations and can be happier!
    My new 2017 Batman-like debt free diary (£26k+)!
    • sauceoclock
    • By sauceoclock 25th Sep 17, 5:01 PM
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    • 888 Thanks
    sauceoclock
    Completely agree with you Mr Jester! Two sides to every story and on my end I viewed this situation as the 'final nail in the coffin' rather than a silly issue that can be brushed over, perhaps another person would have let it go. I guess I'm just at the end of my tether with superficial 'issues' after being so desperately sick this year. I'm spending a bit more time with people who act our age rather than clinging on to teenage melodrama. Removing myself from the situation is definitely evidence of growth to me though, in the past I'd have been apologising and sucking up to try to get back in her good graces when in fact it's historically been a bit of a one-way street in terms of our friendship and I don't deserve to be treated this way.
    Loan: £3,600 £2,773.32
    Credit Card: £1,758.95 £1,733.95
    Emergency Fund: £200 (Aiming for £2000 by Dec 2018)
    Goal Debt-Free Date: February 2019
    November NSDs: 2/10
    • sauceoclock
    • By sauceoclock 25th Sep 17, 5:07 PM
    • 839 Posts
    • 888 Thanks
    sauceoclock
    In terms of money, I made a couple more sales on eBay and I've just posted them off. Clearing out the house is going very well, it's so weird to think of how much of a home we've made out of my cute tiny house.

    We've plenty of food in and I've been working hard to produce veggie loaded meals for me and OH, he's working late tonight and did a private job this morning so that's a bit of extra cash which is never bad.

    I've sorted some xmas presents already, a special 3D greetings card for my Nana (10% cashback on quidco), my OH's card and a snood thing for him to use in the winter at work. Still got so much to get but doing it a little bit at a time and getting discount/cashback where I can.

    Went for lunch on Sunday, £21 and we were disappointed, just left a tripadvisor review which I never do but I think they need to know how it came across to the group of people I was with.
    Loan: £3,600 £2,773.32
    Credit Card: £1,758.95 £1,733.95
    Emergency Fund: £200 (Aiming for £2000 by Dec 2018)
    Goal Debt-Free Date: February 2019
    November NSDs: 2/10
    • sauceoclock
    • By sauceoclock 27th Sep 17, 10:42 AM
    • 839 Posts
    • 888 Thanks
    sauceoclock
    We won the pub quiz last night, won some money behind the bar of one of our favourite pubs and a free pie and mash (which I will have to have as they only do veggie ones not vegan ones!). Was a great night and only cost me £2 from my change pot so that was a result too.

    Payday is tomorrow, it’s going to be a very slim pay packet this month! I’m off to the doctors straight from work to see if they agree that I should phase my hours back up to 37.5 by first going up to 30 for a couple of weeks and then to full-time, I’m so tired and fatigued so hopefully this doctor will listen as she isn’t my own GP, I couldn’t imagine going up to 37.5 hours again next week.

    Tonight after the doctors I’m having a bit of a veg-out evening…. The washing is currently on a timer so that’ll need to be hung out, we have some dry washing that needs organising and putting away. I stripped the sheets off this morning but didn’t get a chance to put the clean ones on so will also need to do that, the living room needs a tidy, the hoover needs emptying and filters cleaning and I need to take a basket of stuff that’s been clogging up our stairway landing over to the charity shop across the road. My plan is to get home and try to speed through my jobs and then spend the rest of the night on the sofa watching The Walking Dead!

    Hope everyone is well! xx
    Loan: £3,600 £2,773.32
    Credit Card: £1,758.95 £1,733.95
    Emergency Fund: £200 (Aiming for £2000 by Dec 2018)
    Goal Debt-Free Date: February 2019
    November NSDs: 2/10
    • sauceoclock
    • By sauceoclock 2nd Oct 17, 12:50 PM
    • 839 Posts
    • 888 Thanks
    sauceoclock
    Having a rubbish day, Iím usually pretty peppy on a Monday so sorry if this is a moany post! I barely slept last night, BF hasnít been paid because his agency are disorganised, all the bills came out on my part-time pay with no contribution from him yet so itís pushed me to be £6 overdrawn. It should be sorted by the end of today but Iím getting tired of this happening.

    Was forced to have drinks with some of the people involved with the toxic girl this weekend (mutual event for a nice girl I wasnít going to let down). They said they missed me and whilst we didnít talk about her I think sheís starting to do the same thing to them, theyíd cancelled on her to come out with us instead. I was invited to their Halloween party, they mentioned my friend in London and heís going to come too. Iíll keep these people at armís length but at least we get along and this girl hasnít ruined these friendships.

    Had dinner at Ďhomeí yesterday and I left feeling irritated as my sister turned up with her daughters and dog even though she was directly asked not to. Every time my BF was speaking my niece would interrupt and he didnít want to talk about things my Mum was asking in front of my sister or her children. Mum told her it was an adult meal last night so if she wanted to come it needed to be before sheíd collected her girls from their dadís. They were all tired, whingey and hungry and she didnít keep an eye on her youngest who was terrorising my BF, I had to step in and tell her off when she was smothering him with a blanket whilst he was mid-conversation with my Dad. I hate having to tell them off as they arenít my children but she was glued to her phone. I think yesterday adds to the fact I feel the distance growing between my parents and I. Iíve text my mum to ask if we can try again as I feel like they just donít know anything about my life anymore, BF and I are in our relationship for the long-haul and theyíll never get to know him if weíre always shouted down by my sister and her children. I appreciate my sister has a lot on so said I donít entirely begrudge last night but I donít get to talk to my Dad at all anymore and I go weeks without hearing from my Mum unless I get in touch first. I think Mum knows how Iím feeling as sheíd already apologised for my sister showing up like she did and itís not the first time this has happened, Iím often forgotten as I didnít have children young and Iím not as demanding on their time.

    BF is coming to meet me at 1pm to give me a big hug on my break. Think I might have a cry and then Iíll be able to handle the rest of my day at work. (just having my morning up of tea atm, busy busy busy)
    Loan: £3,600 £2,773.32
    Credit Card: £1,758.95 £1,733.95
    Emergency Fund: £200 (Aiming for £2000 by Dec 2018)
    Goal Debt-Free Date: February 2019
    November NSDs: 2/10
    • sauceoclock
    • By sauceoclock 3rd Oct 17, 10:50 AM
    • 839 Posts
    • 888 Thanks
    sauceoclock
    Got home from work last night and I was dead on my feet. I worried BF as I was so exhausted that my legs just gave way underneath me in the kitchen and I ended up a heap on the floor, quite a scary feeling to be that physically tired. Once Iíd had some sugar and a small rest we gently pottered round ASDA and managed to spend £54 (grr) on mostly junky type foods, transferring BF £25 on my lunch break today (£2 of it was BF replacing things heís broken as heís such a clutz! :í) ) but I did also buy a HUGE pizza for £4 thatís managed to go for 3 meals and some snacks for my morning tea/coffee at work so Iím pleased. BF got paid yesterday afternoon so I managed to get some fuel in my car on the way home from work when heíd sent his bill moneyÖ but of course not before it completely ran out (I was dancing with the devil!) so I had to push the car about a quarter of a mile to the petrol station Iíd been aiming for, a nice man helped me get it that final little distance to the petrol station so I didnít have to mess about with a jerry can, he said I should just get home and put my feet up which was really kind and I wish Iíd have gotten his phone number to get him a pint! BF has gone to do a private job today as his work are messing him about so much, may as well do seeing as theyíve still not sent him this weeksí assignments and have ignored his e-mails (though will get annoyed at him for not going to the locations they want).

    Mum text me back last night and we are going to try dinner again in a couple of weeks, she wasnít angry or upset Iíd mentioned I feel like my sister gate-crashes all the time and I donít get to see themÖ Again I think sheís aware Iím feeling a little forgotten amidst my sister behaving like a teenager at 32. We will go to Aldi for the rest of our shopping tomorrow for things like fresh fruit and veggies as itís much cheaper.

    BF is dropping our charity stuff off at the charity shop on his way out to his private job today and Iím going to get home and put all the dishes away and hang a load of laundry out, we didnít do any laundry for about a week and now Iím paying the price!
    Loan: £3,600 £2,773.32
    Credit Card: £1,758.95 £1,733.95
    Emergency Fund: £200 (Aiming for £2000 by Dec 2018)
    Goal Debt-Free Date: February 2019
    November NSDs: 2/10
    • MrJester
    • By MrJester 3rd Oct 17, 11:27 AM
    • 994 Posts
    • 502 Thanks
    MrJester
    It's hard to stay cool under these family confrontations. There's intersting psychology behind it, too, that we take on different personalities when we are around certain people. So when we are with our family, we often become instantly more childish, demanding, attention-seeking, etc because we have spent most of our lives being that personality in that environment.

    Just take a step back, try and look at things from everyones perspective no matter how irrational they may seem.

    With your BF, I worry slightly that you may become too dependant on each other in terms of financial. Whilst it's great to be able to split costs and everything of that nature - and this may very well be personal preference - I would think its best to still try and keep a strong dividing line between your money and his money.
    My new 2017 Batman-like debt free diary (£26k+)!
    • sauceoclock
    • By sauceoclock 3rd Oct 17, 11:59 AM
    • 839 Posts
    • 888 Thanks
    sauceoclock
    It's hard to stay cool under these family confrontations. There's intersting psychology behind it, too, that we take on different personalities when we are around certain people. So when we are with our family, we often become instantly more childish, demanding, attention-seeking, etc because we have spent most of our lives being that personality in that environment.

    Just take a step back, try and look at things from everyones perspective no matter how irrational they may seem.

    With your BF, I worry slightly that you may become too dependant on each other in terms of financial. Whilst it's great to be able to split costs and everything of that nature - and this may very well be personal preference - I would think its best to still try and keep a strong dividing line between your money and his money.
    Originally posted by MrJester
    Yeah we all stayed cool, there's no animosity and I do consider my sisters P.O.V as she did announce she is divorcing my bro-in-law about 5 months ago, made sure I highlighted I didn't begrudge her this weekend but we'd intended for her not to be there with the whole brigade. Mum, Dad, BF and I are trying again in a couple of weeks. My sis has always been more demanding than me in a lot of ways (troubled teenager, bad grades, misbehaved at school, young single mother, bridezilla, now having mid-life crisis and behaving like a 21YO) and I'm very meek compared to her so I often end up silently hurt and withdrawing from my family. Telling my Mum I'd like some time without my sister dominating it was fine and it's all worked out positively . Like I say, she agrees and acknowledges that I'm often last in line as I am so capable of sorting my own things out that it's easy to forget maybe I'd like to speak to my family !

    The only reason there's dependence this month in particular on BF is because I was paid less due to being part-time, I was at risk of renal failure and I'm going to be fatigued for a long time (and am still having treatment) so his financial presence meant I could do the part-time that my doctor suggested, he offered to pick up any slack this month as I was quite frankly a state and he's been true to that, myself and his son always get our money first. Now I'm back to 30hours a week and full time again at the end of the month it's back to normal so there's no reliance, our money remains separate so I pay all the bills and he transfers me a lump sum, I upped the monthly direct debit amounts on Gas and elec and water when he moved in to accommodate any increase that he may cause so that if he left mid-month or did a moonlight flit then there wouldn't be a huge balance to cover. I kept it all in my name so that this way I control all the accounts and I could ask him to move out of the property in the event of it going South. I'm still sole tenant (and my landlady is aware of this), I'd just pick back up paying the bills myself. We have a shared account that we haven't started using yet but the only balance is going to be for groceries and I have the only card associated with the account in a safe so he couldn't exactly go and spend our food money (and honestly he really wouldn't). He has a couple of debts much like me and we are both paying them down independently. He's paid off his portion of our holiday now and he's very open about his finances with me. It's not without planning don't you worry
    Loan: £3,600 £2,773.32
    Credit Card: £1,758.95 £1,733.95
    Emergency Fund: £200 (Aiming for £2000 by Dec 2018)
    Goal Debt-Free Date: February 2019
    November NSDs: 2/10
    • Reb2016
    • By Reb2016 3rd Oct 17, 1:36 PM
    • 155 Posts
    • 368 Thanks
    Reb2016
    H Sauce followed you over from my diary and just read through all yours, I think you are doing so well especially with all that's gone on in the last year.


    Glad you were able to sort things with your Mum, and fingers crossed that your next get together goes well.


    What a lovely thought about buying a pint for the man who helped with your car, but maybe this is a case of what goes around comes around, as in you help so many people, and now it was your turn to be helped.


    Reb
    Light bulb moment 6th June 2017 £13333.63 Debt now 11837.25
    DFD was October 2020 40 months now 21st Dec 2019 26 months Overdraft £720/£2250
    • MrJester
    • By MrJester 3rd Oct 17, 5:34 PM
    • 994 Posts
    • 502 Thanks
    MrJester
    It's not without planning don't you worry
    I never should have doubted you Sauce

    But seriously, great that all sounds logical. We check on each other and watch each others backs!
    My new 2017 Batman-like debt free diary (£26k+)!
    • sauceoclock
    • By sauceoclock 4th Oct 17, 2:00 PM
    • 839 Posts
    • 888 Thanks
    sauceoclock
    Feeling much better today, I actually read through this diary to see where I was at a year ago and where I'm at now. I have given myself no credit with how sick I've been on and off and how I haven't let it deter me from my main goal of becoming debt-free. There've been some really serious things happen in my personal life and I had a car fail on me/managed to still pass my financial exams. I had surgery for my tonsils, colds, coughs, sickness bugs, ear infection, severe kidney infection... My body has been really run-down for a year and I attribute a lot of it to stress and loss of immunity when my tonsils were removed.

    I had a really deep heart to heart with my BF last night and told him how I'm feeling about work, my family, my friends etc. We talked about what our future plans are and he was so supportive and it was really reassuring. I met this guy when I'd declared I was done with boys and fixing to be on my own till I turned 30 and he's totally turned my life upside down but in the best way possible!

    In terms of finances I have £178 left until the 28th (eek) with £140 set aside towards my car insurance costs. I've paid my debt contributions for the month and as I promised myself I'm avoiding the temptation to make any overpayments on my loan this month.

    When I get home from work I'm going to hang out the laundry that's on the timer and have a general clean (Hoover mostly!). I'm really exhausted still so I'll probably just hunker down on the sofa and watch Walking Dead with BF when I'm done!
    Loan: £3,600 £2,773.32
    Credit Card: £1,758.95 £1,733.95
    Emergency Fund: £200 (Aiming for £2000 by Dec 2018)
    Goal Debt-Free Date: February 2019
    November NSDs: 2/10
    • sauceoclock
    • By sauceoclock 5th Oct 17, 3:20 PM
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    • 888 Thanks
    sauceoclock
    Feeling even better again today! Got loads done at work and I'm leaving shortly to head home.

    BF is working a late one tonight so won't be home till about 2am so I'll be asleep when he gets home, no doubt he will wake me up though! Going to put my clean washing away, hoover downstairs, take all the shoes on our full shoe-rack upstairs and hoover upstairs tonight. May as well utilize BF's night work to get stuff done so the weekend is free and ours!

    Would love to get my nails done this month but no can do! Got to file them all down as they're all grown out and see if I can buy the soak-off liquid online to soak off my gel nails myself. Bit sad as the one thing I do for myself is get my nails done once a month. BF also has pointed out I need a haircut (my hair is falling out since the kidney infection and it's gotten really long and straggly) so I might ask someone to get me a haircut for Christmas.
    Loan: £3,600 £2,773.32
    Credit Card: £1,758.95 £1,733.95
    Emergency Fund: £200 (Aiming for £2000 by Dec 2018)
    Goal Debt-Free Date: February 2019
    November NSDs: 2/10
    • MrJester
    • By MrJester 5th Oct 17, 5:35 PM
    • 994 Posts
    • 502 Thanks
    MrJester
    Funny isn't it the extent we go to to become debt free and be moneysavers; asking for a haircut for Christmas!

    I swear i'm going to start buzzing my hair off partly just because it will save me money!!
    My new 2017 Batman-like debt free diary (£26k+)!
    • sauceoclock
    • By sauceoclock 5th Oct 17, 10:12 PM
    • 839 Posts
    • 888 Thanks
    sauceoclock
    Ha totally true Mr Jester, it's gotten to the point where every year my Mum asks me for a list of things I'd like and I send it over to her and she dishes out the gifts to my family to get for me and I just act surprised on Christmas day. I always choose really mundane things (last year it was a new blender) and that way I at least get use out of them instead of a shower set I won't use that isn't cruelty free!

    Popped out this evening for a friend's birthday £3.50 on a cup of tea and an orangina (crazy and wild, I know). I came home about an hour ago and just tidied up the living room and fluffed the sofa cushions up, did the mountain of dishes (seriously, how does my BF use so many dishes when he cooks!) and have just put away our dry laundry and hung out the next load. About to make a start on the bathroom before a nice little trip to my bed to spread eagle before BF inevitably wakes me up when he gets home at about 2am!
    Loan: £3,600 £2,773.32
    Credit Card: £1,758.95 £1,733.95
    Emergency Fund: £200 (Aiming for £2000 by Dec 2018)
    Goal Debt-Free Date: February 2019
    November NSDs: 2/10
    • clippy_girl
    • By clippy_girl 6th Oct 17, 9:28 AM
    • 2,229 Posts
    • 8,581 Thanks
    clippy_girl
    Hey sauce,
    Just popping on to say if you go on groupon you can get a wash and haircut for £9 at that place in the city where you blow dry it yourself
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