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  • FIRST POST
    • Cumbria lass
    • By Cumbria lass 1st Jan 17, 3:04 PM
    • 299Posts
    • 619Thanks
    Cumbria lass
    New Journey
    • #1
    • 1st Jan 17, 3:04 PM
    New Journey 1st Jan 17 at 3:04 PM
    I have been hanging around the diaries for around a month , decided to subscribe a get rid of the debt once and for all. I had a dmp which ended 3 years ago but owing to a drop in salary have managed to get myself in around 5 k debt again. Once I have Jan statements for credit card will be able to tell true figures.

    I have signed up for swag bucks today and done a couple of surveys. Need to do SOA , but not sure how much to put in categories like household repairs for one .

    Any help filling it in gratefully received.
Page 11
    • Cumbria lass
    • By Cumbria lass 25th May 17, 10:30 AM
    • 299 Posts
    • 619 Thanks
    Cumbria lass
    Still feeling of disbelief in my beloved home town. Went to lay flowers last night , cut from my parents garden . Very surreal atmosphere.

    On the money front I am off on leave now hoping for no spend day today apart from sending parcels from mr e .

    Made about £11 so will transfer once parcels received by buyers.

    Off to have an hour outside in the sun.
    July 2017 CC1 3769 CC 2 1150 Emergency Fund £1150

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 26th May 17, 9:05 AM
    • 299 Posts
    • 619 Thanks
    Cumbria lass
    Another NSD I hope , looking after darling GD , she is only 7 months so doesn't require entertainment that costs money. Will probably be in the shade a lot today as too warm for her .

    All have a good day in the sun.
    July 2017 CC1 3769 CC 2 1150 Emergency Fund £1150

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 29th May 17, 3:29 PM
    • 299 Posts
    • 619 Thanks
    Cumbria lass
    Well EBay sales culminated in an op to cc1 of 11.74 not much but better than nothing.

    Shopping at Mr A was £27.34in budget which I like, have done more batch cooking, so the freezer is fairly full now. Got some YS things in mr s over the weekend, my fave fish cakes reduced from £2.50 to 64p .
    Not spent much this weekend apart from trip to beauticians £21 comes out of my monthly entertainment budget.
    Definitely no clothes need buying , I have loads.
    I have been keeping to my budget and find it much easier now than when I started. I don't panic anymore about having the money.
    My emergency fund is £1150 .
    I am now starting on 3 months expenses fund . This has started with £50 .
    July 2017 CC1 3769 CC 2 1150 Emergency Fund £1150

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 31st May 17, 9:44 PM
    • 299 Posts
    • 619 Thanks
    Cumbria lass
    Sold some unwanted rail tickets today on Facebook selling site. £30 pocketed, not sure what I am doing with it.

    Have bought toast at work this week 75p x2 , so not quite NSD . Must try harder.
    July 2017 CC1 3769 CC 2 1150 Emergency Fund £1150

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 1st Jun 17, 6:30 AM
    • 299 Posts
    • 619 Thanks
    Cumbria lass
    Reading other people's diaries keeps me inspired to keep going . I realise how fortunate I am .
    July 2017 CC1 3769 CC 2 1150 Emergency Fund £1150

    Debt Free Nov 2019: earlier if I have my way
    • lucielle
    • By lucielle 1st Jun 17, 7:23 PM
    • 7,915 Posts
    • 33,859 Thanks
    lucielle
    They help to keep you focussed
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900, Dec 08 £39782.36 Overdrafts £3100, Dec 09 £29304.84 Overdrafts £2820, Dec 10 £16449 Overdrafts £2490
    Dec 11 £12673.80 Overdrafts £1250, Dec 12 £4591 Overdrafts £400 02/02/13 new debt figure £5831.00 New Debt Figure ZERO !!!!!! 08/06/2013

    DFD Before we Die!!!! Long Haul Supporter #124
    • pennywisepoundstupid
    • By pennywisepoundstupid 2nd Jun 17, 2:00 PM
    • 4,176 Posts
    • 12,319 Thanks
    pennywisepoundstupid
    Hi Cumbria lass from a fellow Cumbrian lass, although i'm in the next county down now.

    Loving your diary and how well your doing with your budget, I've subscribed and will keep popping back for a read if that's ok?

    Take care and keep going.
    Be mindful of your self-talk. It's a conversation with the Universe."
    Dave Ramsey babystep 1-£1000 Emergency fund- save £250/£200[/COLOR]
    School uniform £250/£250
    Save for summer £500/£370
    • Cumbria lass
    • By Cumbria lass 4th Jun 17, 12:50 PM
    • 299 Posts
    • 619 Thanks
    Cumbria lass
    Lucielle and Pennywise thanks for dropping by. Pennywise, I don't live or come from Cumbria, it is just my favourite place in the uk, I have lots of friends there now. I am 2 counties down , but please feel free to read my diary.

    Yesterday was a spend day, went on the bus to centre of manchester to see all the tributes to the bomb victims , very touching. Then walked through manchester and stopped for coffee. All in all spent about £7.50 which came out of the £30 sale of train tickets.

    Mr A shop today £19.66 well in budget.

    Meal plan for week done, out Tuesday evening free buffet provided.
    Wednesday curry with friends out of entertainment budget.
    Conference Thursday so free lunch and transport costs.
    Thinking of the London attack victims .
    July 2017 CC1 3769 CC 2 1150 Emergency Fund £1150

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 4th Jun 17, 8:45 PM
    • 299 Posts
    • 619 Thanks
    Cumbria lass
    Proud to be a Mancunian , another £5 donation to the fund .
    July 2017 CC1 3769 CC 2 1150 Emergency Fund £1150

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 6th Jun 17, 6:33 PM
    • 299 Posts
    • 619 Thanks
    Cumbria lass
    Been stuck at home feeling unwell, my own fault though! Even though I don't have coeliac disease , I am sure I have a wheat allergy. Biscuit overload at work yesterday made me ill. I need to learn my lesson. This weekend my shop will include some gluten free treats to take to work, then I won't be tempted by all the cake , biscuits that often appear at work. I am definitely better avoiding the stuff.

    Have had a proper look at my credit card balances today and I am about £275 to going below 5k , can't wait. I have a very tight budget , but it does allow me to have some fun.

    I could pay off faster but I would fail if I didn't have my fun money. Snowballed today and it looks like late 2019 I will be clear. Would like to make it sooner .
    July 2017 CC1 3769 CC 2 1150 Emergency Fund £1150

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 6th Jun 17, 9:19 PM
    • 299 Posts
    • 619 Thanks
    Cumbria lass
    Why are there so many tariffs to look at when changing utility suppliers ? Getting stuck now .
    July 2017 CC1 3769 CC 2 1150 Emergency Fund £1150

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 7th Jun 17, 2:18 PM
    • 299 Posts
    • 619 Thanks
    Cumbria lass
    My lovely parents have stocked me up on gluten free goodies and bread. Back to eating all GF , I eat loads of fruit and veg , so hope to feel better very soon .
    July 2017 CC1 3769 CC 2 1150 Emergency Fund £1150

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 9th Jun 17, 9:49 PM
    • 299 Posts
    • 619 Thanks
    Cumbria lass
    Three days of being unwell , meant 3 NSD. Today went to see a good friend and spent £3 on flowers for her birthday, I make cards as a hobby so already had one done. Window cleaner £2.30 today as well.

    Not doing much this weekend so hopefully be a quiet weekend on the money front apart from petrol and shopping.

    Next month is a busy one for me , lots of weekend activities mostly free just lots of travel involved.
    July 2017 CC1 3769 CC 2 1150 Emergency Fund £1150

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 14th Jun 17, 6:33 AM
    • 299 Posts
    • 619 Thanks
    Cumbria lass
    Not posted for a few days but not much happening.

    Shopping Sunday splashed out on a hanging basket from Mr A but still came in well under £30 budget at £22.62 . Petrol has lasted well this month still got a lot left and payday is Friday., not been travelling much plus 3 days off sick last week so no travelling to work.

    Today I am going to see 2 properties to rent , I like where I live now but would like my own peace of England to sit in, live in a flat at present with no personal outdoor space.

    The rent would be £50 dearer a month , if I like either will have to factor in this extra money and how it will affect my budget.

    I have money left in a few pots this month so am going to overpay cc and put some in savings.

    Waxing later as well , but half price on a Wednesday so £5.50 will be the cost.

    Visit to doctors in the evening as well.

    Can hardly walk this morning after going to my first boxing class , looks like a sunny day as well.
    July 2017 CC1 3769 CC 2 1150 Emergency Fund £1150

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 14th Jun 17, 5:51 PM
    • 299 Posts
    • 619 Thanks
    Cumbria lass
    After viewing the two rental properties today I have decided I live in a palace, I will make do with the communal garden where I live. One of the properties was filthy, neglected and oh I could carry on. The second was very nice but too small advertised incorrectly as a 2 bed but was 1 bed.

    Spent £5.50 having coffee in between viewings. Waxing £5.50 as half price today.

    Doctors next at 7pm.
    July 2017 CC1 3769 CC 2 1150 Emergency Fund £1150

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 14th Jun 17, 8:59 PM
    • 299 Posts
    • 619 Thanks
    Cumbria lass
    Eat well for less always enjoy watching it .
    July 2017 CC1 3769 CC 2 1150 Emergency Fund £1150

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 18th Jun 17, 8:26 AM
    • 299 Posts
    • 619 Thanks
    Cumbria lass
    Six months
    Six months in to my journey , I started in Jan with

    Cc 1 1500
    Cc2 4470

    Six more months later

    Cc1 1208.26
    Cc2 3879.27

    I now owe £5087.53 , I am going to see if I can pay the £87.53 as well to get it to £5000.

    I am surprised it has gone down as well as it has. I don't earn a mega wage but the thing for me is it has gone down not up , I haven't used a credit card for 7 months which I am proud off.

    I have my emergency fund sorted and will be adding to it. My Christmas and birthday fund is going well . I have a little holiday account for my little trips to see friends in a few weeks time.

    Thank you to everyone who has commented or helped me since I started .

    July 2017 CC1 3769 CC 2 1150 Emergency Fund £1150

    Debt Free Nov 2019: earlier if I have my way
    • pennywisepoundstupid
    • By pennywisepoundstupid 18th Jun 17, 9:01 AM
    • 4,176 Posts
    • 12,319 Thanks
    pennywisepoundstupid
    Big well done, it's going the right way and that's all that matters.
    Be mindful of your self-talk. It's a conversation with the Universe."
    Dave Ramsey babystep 1-£1000 Emergency fund- save £250/£200[/COLOR]
    School uniform £250/£250
    Save for summer £500/£370
    • Cumbria lass
    • By Cumbria lass 18th Jun 17, 12:32 PM
    • 299 Posts
    • 619 Thanks
    Cumbria lass
    Back from the weekly shop, spent £17.52 at mr A . I have enough food to last all week and beyond . Excess money in shopping account going into savings for hols .

    Off to sit in the garden in the shade .
    July 2017 CC1 3769 CC 2 1150 Emergency Fund £1150

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 20th Jun 17, 9:34 PM
    • 299 Posts
    • 619 Thanks
    Cumbria lass
    All my transfers done to different pots , credit card direct debits gone.

    I have bought a couple of Christmad presents this month , because I have saved some money in an account.

    It is such a good feeling having saved for something rather than it going on credit .

    Must update my signature.
    July 2017 CC1 3769 CC 2 1150 Emergency Fund £1150

    Debt Free Nov 2019: earlier if I have my way
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