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    • Seabiscuit
    • By Seabiscuit 18th Dec 16, 9:10 PM
    • 114Posts
    • 287Thanks
    Seabiscuit
    2017 - A year of change and positivity
    • #1
    • 18th Dec 16, 9:10 PM
    2017 - A year of change and positivity 18th Dec 16 at 9:10 PM
    I started a diary a few months back - but to be honest I'm not feeling the love with it! So with Christmas and New Year fast approaching I figured now as the ideal time to draw a line and make a fresh start.

    My debt was at its highest a couple of months back and was standing at £9173.90. It's been made up of largely a shed load of unexpected bills -vets bills, car purchase x2 (1x unplanned as first car should have lasted me a good 5 -7 years but I gave up on it after 18 months and 2.5k of bills ) and subsidising the final couple of months of maternity leave. Anyway, enough of that - what's done is done - it's time to put it right and make sure we don't find ourselves back there.

    As well as the money I'm going to use this diary to track my other goals for the year. Following the birth of my DS I've managed to lose 2st 9- the 9lb has crept back on again and needs to be shifted! I've done it all through Slimming World and exercise (more about that in a mo). Would like to lose 1 stone, preferably before the end of March. I'll be tracking my progress here. Exercise - I started running in May and love it! I've entered my first 10k in March and would love to complete a half marathon in 2017. I've also signed up to a challenge to complete 1000k in 2017 so will use this diary to keep me focussed.

    I also need to get on track with running the house. I feel currently it's a tip and out of control - sounds daft but this has a massive effect on my ability to relax and switch off. Everything from cleaning, to meal planning and batch cooking to shopping needs to be addressed. Again, hopefully this diary will help.

    Anyways back to the finances......
    The debt is split as follows:
    Cc1 £5570.74
    Cc2 £953.35
    Cc3 £790.01
    Overdraft £498.20
    Next - £42
    Very - £297.34

    Total: £8151.64

    Cc1 & cc2 are 0% at the minute, so main focus will be clearing the rest.
    Last edited by Seabiscuit; 23-12-2016 at 5:32 AM.
Page 6
    • Seabiscuit
    • By Seabiscuit 12th Jun 17, 5:41 AM
    • 114 Posts
    • 287 Thanks
    Seabiscuit
    Morning!
    Had a busy, funpacked weekend with my little family (was reasonably low spend too which was a bonus!). Saturday I did parkrun in the morning and we went to the park for a few hours in the afternoon. Yesterday was the race for life which I ran with little man in the running buggy (my bargain carboot buy of £5 and hopefully going to be key in getting me back into some sort of shape!). So all in all a great weekend, just a shame Mondays come round so quickly.

    Still trying to plug then hole left by the tyres with eBay sales. Not going too bad but I still suspect I'm going to be a bit down. Two weeks until pay day and counting.......

    Did a quick stock take of the pressie box and checked off against my list. Managed to get a couple more bits using my boots and Tesco points. 3 birthdays this month, 5 next month plus 2 birthday parties The 3 this month and 3 for next are sorted so just need to get organised for the rest!

    Right best get some eBay parcels packaged up before little man gets up!
    1000km in 2017 = 404/1000
    End of August goals.......
    Reduce OD to £500 = £0 / £515.28 Clear Very £51.00/£125.73
    • Seabiscuit
    • By Seabiscuit 15th Jun 17, 6:46 AM
    • 114 Posts
    • 287 Thanks
    Seabiscuit
    Morning - looks like it's going to be a nice sunny day here, fingers crossed.

    Not a huge amount to report financially, still trying to plug the hole left by the tyres. I currently need another £118 to break even - I've got auctions ending tonight that currently stand at £21.50 with lots of watchers, so fingers crossed it could be more.

    Have a few errands to run in town today and then hopefully a nice relaxing afternoon. House is still a tip but trying to do a little bit each day in the hope it'll make a difference!

    Enjoy the sunshine everyone x
    1000km in 2017 = 404/1000
    End of August goals.......
    Reduce OD to £500 = £0 / £515.28 Clear Very £51.00/£125.73
    • Seabiscuit
    • By Seabiscuit 16th Jun 17, 5:11 AM
    • 114 Posts
    • 287 Thanks
    Seabiscuit
    Good morning!
    Well last nights eBay went better than expected - the actions finished at almost £50!!! That coupled with the £22 refund I've had through for the cancelled pony insurance mean that I'm just £50 off my target to break even. The budget for the remainder includes a full tank of diesel for OH that hopefully won't be needs fingers crossed!!!! 8 days until pay day - we can do it!!!

    I'm planning on doing a car boot sale in a couple of weeks - we've got soooo much junk. Just need to find the time to start sorting.

    Anyway better get packing the eBay bits - hoping to get into work early. Early start = early finish.
    1000km in 2017 = 404/1000
    End of August goals.......
    Reduce OD to £500 = £0 / £515.28 Clear Very £51.00/£125.73
    • Seabiscuit
    • By Seabiscuit 23rd Jun 17, 5:27 AM
    • 114 Posts
    • 287 Thanks
    Seabiscuit
    Yay it's almost payday!!! eBay sales have helped to plug the money hole, still needed to dip a bit into the OD as had very little food in the house, but we're almost there. Roll on Monday!!!

    Plan of action for next month......
    We need to pay for our holiday in the next couple of weeks - cost £200 and also the dogs jabs - approx £60. So £260 extra to find. The money is there but it'd mean cutting back on the debt repayments, so would like to raise the extra to cover it. I'm planning on doing a carboot for all DS outgrown clothes and all the clutter not worth ebaying. Plan is for a couple of weeks time so need to get sorting.

    Housework is really dragging me down. Both OH and myself are shattered each night but sitting in a bombsite is doing nothing for our moods. Need to tackle this even if it's just 30mins a day it's going to help.....

    Running and weight- need to start uping my distance in preparation for Septembers half marathon. The buggy is helping me get out in the week, but the furthest I've run with it is 5 miles - don't think I'd want to take it much further! So need to drag myself out of bed early on Saturday mornings and get on some long runs! By the end of July want to be running 10 miles on a weekly basis.

    Right best get ready for work - have a good day x
    1000km in 2017 = 404/1000
    End of August goals.......
    Reduce OD to £500 = £0 / £515.28 Clear Very £51.00/£125.73
    • Seabiscuit
    • By Seabiscuit 26th Jun 17, 5:44 AM
    • 114 Posts
    • 287 Thanks
    Seabiscuit
    Whoop whoop - pay day again!!!

    So scores on the doors.....

    Cc1 was £5606.20 now £5456.20 (-£150)
    Cc2 was £849.52 now £819.52 (-£20.00)
    Cc3 was £0.00 now £0.00 (-£0.00)
    OD was £1015.28 now £984.81 (-30.19)
    Very was £125.73 now £74.73 (-£51.00)

    Total was £7596.73 now £7335.54 (-£261.19)

    Still not as good as it should be, but it's going down and to be fair if it continues at this rate it'll be gone in less than 2.5 years - just in time for Christmas 2019. That's going to be our worse case scenario.

    So this month we've got dog jabs and the holiday to pay for- £260ish to raise. I'm looking at doing the carboot next weekend and will continue to eBay as of my life depends on it in the meantime! The overdraft needs to be the big focus as this is the only one currently costing us. Aim is down to £500 by August and hopefully £0 by year end. Fingers crossed

    Will check in later as I've just realised the time! Need to spring into action!!!!
    1000km in 2017 = 404/1000
    End of August goals.......
    Reduce OD to £500 = £0 / £515.28 Clear Very £51.00/£125.73
    • Seabiscuit
    • By Seabiscuit 27th Jun 17, 6:03 AM
    • 114 Posts
    • 287 Thanks
    Seabiscuit
    Didn't make it back on line last night - I was too shattered!!!

    £11 made last night in eBay sales - I've popped this into a separate account in the hope that it adds up to some nice big lump sum by the end of the month - fingers crossed........

    The months already been off to a spendy start, our garden waste bin subscription had lapsed, so I've had to pay out £35 for that and also £35 for dog food. The dog food should hopefully last 6-8 weeks though. Farriers out tonight also, but this is budgeted for. Also need to sort our breakdown cover as this is due for renewal

    In other (rather selfish) news, I've come to the conclusion I need to focus on me and my mental and physical health more. Work is dragging me down, but for the foreseeable looking elsewhere isn't an option. I'm finding I am permantly shattered which doesn't make me much use as a mother, partner or friend as all I want to do is put my pjs on and sleep! The house is a tip but I've no energy to do much about it and that drags my mood down too. I'm also finding that I'm turning into quite a negative and bitter (again largely related to the work situation) person and that's not who I am, so it's operation kick up the butt time! Somebody has suggested mindfulness to me. I've downloaded an app to get me started and have found that it does seem to help me relax and destress - definitely something I'm going to explore further. I also need to start reflecting on the positives and reasons to be grateful in my life rather than the negativity. So here it goes - I guess recognising there's a problem is the first step on the road to change....

    Jobs for today....
    1. Ring vets to pay bill and sort woofs appointment.
    2. Laundry away
    3. Sort porch and hall
    4. Boots order for little man's supplies

    Reasons to be grateful......
    I'll start with the biggies....
    1. I have wonderful little boy, a partner who loves me despite my moods and an amazingly supportive family.
    2. We've got a nice house in a lovely village which is more than adequate to be our forever home.
    3. My animals - walking the woofs and seeing to the ponies give me a daily escape from the pressures of 'real life'
    1000km in 2017 = 404/1000
    End of August goals.......
    Reduce OD to £500 = £0 / £515.28 Clear Very £51.00/£125.73
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