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    • Honeysucklelou2
    • By Honeysucklelou2 31st Dec 16, 4:05 AM
    • 186Posts
    • 494Thanks
    Honeysucklelou2
    From debt to freedom...
    • #1
    • 31st Dec 16, 4:05 AM
    From debt to freedom... 31st Dec 16 at 4:05 AM
    For a couple of months I have been lurking and reading diaries which have been helpful and inspiring. I thought that I would start a diary to keep myself focussed on getting rid of the debts.

    I am a working mum, recently separated from my husband. I have a large family which makes for an interesting and busy life! I have had a couple of LBMs in recent years and tried to stick to a budget. I had 2 loans totalling 17, 000 at one point. One loan was paid in Aug 2016 and the 2nd has just over £2,000 to go and is due to be paid off by August 2017.
    Other than that, I have a cc with a £475 balance, 2 home improvement loans ( for double glazing) that both have about £1700 outstanding. These have a horrible interest rate of 22%, so I'm eager to tackle these first.
Page 6
    • Honeysucklelou2
    • By Honeysucklelou2 4th Jun 17, 10:03 AM
    • 186 Posts
    • 494 Thanks
    Honeysucklelou2
    Hi Spendless, thanks for dropping by

    My DD2 would like a job that meant she didn't have to speak to people !

    I went up to the allotment for a couple of hours last night. Got half a bed cleared of nettles and thistles. Got the runner beans planted at last and found space to plant 3 more courgette plants!
    Need to get the beetroot seedlings in next and get some successional sowing of lettuce done.

    Spent time baking too, so got a batch of chocolate muffins done, a tray of chocolate brownies, a batch of cappuccino cupcakes and a lemon drizzle cake. Not sure how much will be left by this evening...

    The menu plan for this week is
    Today- chicken pie, roast potatoes and veg
    Mon - toad in the hole
    Tues - macaroni cheese
    Wed - children eat with the ex
    Thurs- tuna plait
    Fri - something on toast.

    I have some frozen summer fruit from T3sco with which to make fruit custard tart which is a favourite. The gooseberries are getting quite large at the allotment so might manage a gooseberry dessert by the end of the week. There are some elder bushes too at the allotment so want to harvest the flowers and make some elderflower cordial
    paydbx #90 £275/£10,000.
    365 day penny challenge £37.66/£667.95
    Loan £17k in 2012- £570 in June 2017. Home improvement loans £3342 March 2017
    • Cherryfudge
    • By Cherryfudge 4th Jun 17, 10:17 AM
    • 407 Posts
    • 1,089 Thanks
    Cherryfudge
    Have you tried elder flower sorbet too?

    You must be further south than I am - fruit here won't be read for a bit but it looks like being a good year.
    30 days in June...
    NSDs 5/12, Exercise 4/12, Housekeeping £92.50/£80
    • Honeysucklelou2
    • By Honeysucklelou2 4th Jun 17, 10:21 AM
    • 186 Posts
    • 494 Thanks
    Honeysucklelou2
    That sounds really good, very refreshing I'd imagine...off to look up a recipe.
    paydbx #90 £275/£10,000.
    365 day penny challenge £37.66/£667.95
    Loan £17k in 2012- £570 in June 2017. Home improvement loans £3342 March 2017
    • Honeysucklelou2
    • By Honeysucklelou2 6th Jun 17, 8:46 PM
    • 186 Posts
    • 494 Thanks
    Honeysucklelou2
    Money seems to be going out fast! My other dog has had a skin problem which I had to take him to see the vet. That has added an unexpected £166 to the budget. It's worth every penny to have him well and back to his usual bouncy self but another unexpected cost.

    I've paid £14 to the cc on Sunday and paid £25 for an overnight camping trip for DD3, that she's doing with her school. The youngest DDs have a school trip that has cost £10. I could do with a NS week I think!!

    DD1 and 2 have almost finished college and school respectively so I'm hoping that perhaps I'll get a little help with the evening food prep.

    Thanks Cherryfudge for the sorbet suggestion. I found a recipe in a River Cottage cookbook, so hope to get that done at the weekend.
    paydbx #90 £275/£10,000.
    365 day penny challenge £37.66/£667.95
    Loan £17k in 2012- £570 in June 2017. Home improvement loans £3342 March 2017
    • Honeysucklelou2
    • By Honeysucklelou2 17th Jun 17, 7:41 AM
    • 186 Posts
    • 494 Thanks
    Honeysucklelou2
    I've had a busy two weeks at work. June is always one of the busiest times. DD1 has now finished college and DD2 has one exam to go. Her focus is very much on her school prom which is making me feel quite sick about the financial side. She isn't wildly extravagant, it's just that my budget is tight and I've wriggled lots in the last couple of months with the new tyres, vet fees and this week's unexpected septic tank bill ( thought it was due in October). Trying to squeeze the budget further to accommodate a dress is going to be hard. The ticket has been paid for last week and I have the transport cost next week...

    I spent a couple of hours at the allotment last night, simply trying to catch up. Hacked down lots of weeds and watered everything that needed watering. The tomatoes are coming on well. Lots of gooseberries are ready to pick today. As I hacked down the weeds I discovered some sweet Williams flowering that must have self seeded from a couple of years ago. A nice surprise to find them! I need to now get the earth turned over and get rid of any roots so that I can get some lettuce and sweet corn in. I could happily spend hours every night there but work stuff needs doing so I have to enjoy the moments I can. Hopefully things at work should ease off a bit by July, then I can think about getting some kale planted and transplant some broccoli.

    We have had quite an odd week food wise. Monday was vegeburgers from the freezer that I'd made a couple of months ago. Wednesday was pancakes, Thursday home made pizza which used up the ingredients bought for DD3's school cooking lesson and a Friday I did bacon/sausage/hash browns/egg mixed grill type meal. DS2 had a friend over so I thought I'd better do a bit more than our usual "something on toast " Friday fare. I have been trying to get a decent breakfast into those with exams so have tried bags of frozen fruit that you add to apple juice. It seems a good way to get some of the 5 a day and popular with some of the children. Only costs about 45p a portion so seems OK price wise.
    paydbx #90 £275/£10,000.
    365 day penny challenge £37.66/£667.95
    Loan £17k in 2012- £570 in June 2017. Home improvement loans £3342 March 2017
    • Cherryfudge
    • By Cherryfudge 17th Jun 17, 9:29 AM
    • 407 Posts
    • 1,089 Thanks
    Cherryfudge
    My daughter bought her Prom dress from Asos: looked gorgeous and was a good deal cheaper than some I've seen.

    I've been gardening too, at Mum's old house. A nasty surprise was the re-emergence of the dreaded Japanese knotweed but work on it is still under guarantee so we're contacting the company to come and re-spray. A much nicer surprise - similar to your Sweet Williams - was the regeneration of what used to be a huge American Pillar rose. It's actually hard to see from ground level as it's made its way above some shrubbery and there is a big bunch of pink roses some 15 feet in the air!

    I also found, among the many gardening books at the house, a pre-war children's gardening book by H E Bates which is quite charming and takes me into another world. It also mentions various plants I hadn't come across so if and when I make time, I have some looking up to do. Of course I should have read it in midwinter when things aren't growing at 90 miles an hour and wanting attention!

    Your mention of fruit for examinees took me back to DS2 and his then girlfriend eating blueberries before exams as they are supposed to improve the blood supply to the brain. I must admit I've done the same when I felt in need of all my brain power!
    30 days in June...
    NSDs 5/12, Exercise 4/12, Housekeeping £92.50/£80
    • Honeysucklelou2
    • By Honeysucklelou2 17th Jun 17, 10:40 AM
    • 186 Posts
    • 494 Thanks
    Honeysucklelou2
    Thanks for the Asos idea Cherryfudge. Will look online. We have a second hand dress shop in our nearest town but the DDs checked on Tuesday and said they had seen nothing. We are very rural so not keen on traipsing round the county to still find nothing so will look online.
    paydbx #90 £275/£10,000.
    365 day penny challenge £37.66/£667.95
    Loan £17k in 2012- £570 in June 2017. Home improvement loans £3342 March 2017
    • Honeysucklelou2
    • By Honeysucklelou2 17th Jun 17, 10:41 AM
    • 186 Posts
    • 494 Thanks
    Honeysucklelou2
    That sounds mean ...it's not that I don't want to help my DD sort out a dress, simply that I can't afford the diesal to drive any non-essential journeys.
    paydbx #90 £275/£10,000.
    365 day penny challenge £37.66/£667.95
    Loan £17k in 2012- £570 in June 2017. Home improvement loans £3342 March 2017
    • Cherryfudge
    • By Cherryfudge 18th Jun 17, 12:39 AM
    • 407 Posts
    • 1,089 Thanks
    Cherryfudge
    You aren't being mean - you're being practical. Online is a much bigger shopping centre than anywhere else.

    Have you also seen everything5pounds? They have some pretty stuff and are worth checking for accessories, too.
    30 days in June...
    NSDs 5/12, Exercise 4/12, Housekeeping £92.50/£80
    • Honeysucklelou2
    • By Honeysucklelou2 18th Jun 17, 3:41 AM
    • 186 Posts
    • 494 Thanks
    Honeysucklelou2
    Thanks for the link Cherryfudge. I've never heard of this shop but what a choice! Have had a little browse and will show DD2 later.
    paydbx #90 £275/£10,000.
    365 day penny challenge £37.66/£667.95
    Loan £17k in 2012- £570 in June 2017. Home improvement loans £3342 March 2017
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