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  • FIRST POST
    • Cumbria lass
    • By Cumbria lass 1st Jan 17, 3:04 PM
    • 814Posts
    • 3,663Thanks
    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 2
    • Cumbria lass
    • By Cumbria lass 5th Jan 17, 6:48 AM
    • 814 Posts
    • 3,663 Thanks
    Cumbria lass
    Bookmarked the thread will read . Thank you
    • fuzzyduck22
    • By fuzzyduck22 6th Jan 17, 9:32 AM
    • 215 Posts
    • 486 Thanks
    fuzzyduck22
    Youre doing well

    Thanks for Dave Ramsey tip, will have a look
    £15900 loan (including interest) over 3.5 years to pay off...can I do it sooner???
    £940/£15900

    Weight loss 0/28 lbs
    • Cumbria lass
    • By Cumbria lass 6th Jan 17, 10:18 PM
    • 814 Posts
    • 3,663 Thanks
    Cumbria lass
    First time out spending money today since I decided the debt had to go . Only bought what I went for and am pleased with that.

    Just waiting for pay day now to get all the transfers done to savings etc.

    My targets for 2017
    No new clothes until at least Easter .
    No accepting evenings/trips out without budgeting for them. Big downfall of mine.
    List all things on ebay that I want to get rid off.

    Have signed up for more survey sites today and looked into mystery shopping.

    Debt busting is hard work to start with .
    • Cumbria lass
    • By Cumbria lass 8th Jan 17, 1:22 PM
    • 814 Posts
    • 3,663 Thanks
    Cumbria lass
    A bit about me early 50's single , grandmother to 2 delightful grandchildren. Sold a house in 2008 after divorce walked away with no money as had carried on spending as though 2 wages were still coming into the house. Have rented ever since and am happy with this.

    Have a great life , but am a bit irresponsible when it comes to spending. I like my weekends away but they have been paid for on cc so not good. I have now had my statements and owe £4470 on one card and £1500 on another. Both have been transferred to 0% cards one until Sep 2019 and the other until April 2020.
    I will pay these cards off as best I can, my aim is that when I am 60 I want an emergency fund , no debts and be able to pay for holidays in cash not on cc . All this because I want to drop my hours at age 60 so I have about 6 years to do this.

    Have set my budget for the month , get paid on the 18th Jan , got my accounts ready for transferring my savings etc to.

    Been shopping today and spent £15.24 because I had done a menu plan for the week not just bought what I thought.

    Looking forward to busting the debt.
    • doingitanyway
    • By doingitanyway 8th Jan 17, 3:32 PM
    • 2,089 Posts
    • 9,670 Thanks
    doingitanyway
    Good luck with your plans Cumbria Lass. I like working, but by the time I am 60 I want to be working 3 days a week.
    JANUARY 2016/SECURED DEBT=24,822/November 2017=4,490
    MORTGAGE FREE 25/07/16
    • Cumbria lass
    • By Cumbria lass 8th Jan 17, 3:46 PM
    • 814 Posts
    • 3,663 Thanks
    Cumbria lass
    Thanks Doingitanyway , I am aiming for 4 days but would like 3 , just to have to see how it all goes. I like working as well i just don't want to work full time until I am 66/67 .
    Nov 2017 CC1 £3329 CC2 £600

    Debt Free Nov 2019: earlier if I have my way
    • doingitanyway
    • By doingitanyway 8th Jan 17, 4:00 PM
    • 2,089 Posts
    • 9,670 Thanks
    doingitanyway
    I know. Me too. I think working P/T in a job you like is the way to go. There's lots of talk about early retirement but I like the idea of working P/T part-time for as long as I can. I have subscribed to your diary
    JANUARY 2016/SECURED DEBT=24,822/November 2017=4,490
    MORTGAGE FREE 25/07/16
    • Cumbria lass
    • By Cumbria lass 8th Jan 17, 4:32 PM
    • 814 Posts
    • 3,663 Thanks
    Cumbria lass
    Thanks for that Doingitanyway I am useless at working this site out yet , not sure how to subscribe to other people's diaries yet, Maybe someone could help a damsel in MSE distress !
    Nov 2017 CC1 £3329 CC2 £600

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 8th Jan 17, 5:46 PM
    • 814 Posts
    • 3,663 Thanks
    Cumbria lass
    Have registered for one poll and have £5.00 on that, seems like a long way to £40 .
    Nov 2017 CC1 £3329 CC2 £600

    Debt Free Nov 2019: earlier if I have my way
    • lucielle
    • By lucielle 8th Jan 17, 9:06 PM
    • 7,940 Posts
    • 33,996 Thanks
    lucielle
    Hi CL if you find a diary you like click on thread tools at the top and it will subscribe to that diary. To view your diaries you've subscribed to click on User CP and that will take you to them.
    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
    • Cumbria lass
    • By Cumbria lass 8th Jan 17, 9:19 PM
    • 814 Posts
    • 3,663 Thanks
    Cumbria lass
    Ah now it makes sense , thank you lucielle.
    Nov 2017 CC1 £3329 CC2 £600

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 10th Jan 17, 8:58 PM
    • 814 Posts
    • 3,663 Thanks
    Cumbria lass
    Well will we have snow, can't stand all the talk about it. I hate the snow but will just take it as a challenge to get to work.

    On the debt busting front , have stuck to the meal plan, had 3 NSD hoping for 5 this week. It's going to be tight to make it to payday but am determined to not use overdraft.

    Been to the gym and feel really well.

    Have done surveys , bit repetitive but have points and they make prizes. Have signed up for mystery shopping as well.
    Nov 2017 CC1 £3329 CC2 £600

    Debt Free Nov 2019: earlier if I have my way
    • Bobarella
    • By Bobarella 10th Jan 17, 9:09 PM
    • 10,476 Posts
    • 69,667 Thanks
    Bobarella
    Good luck CumbriaGirl You have clear goals for your future which is so useful and will give you drive and vision.
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
    • Scott_Weiland
    • By Scott_Weiland 10th Jan 17, 10:13 PM
    • 616 Posts
    • 1,500 Thanks
    Scott_Weiland
    Well will we have snow, can't stand all the talk about it. I hate the snow but will just take it as a challenge to get to work.

    On the debt busting front , have stuck to the meal plan, had 3 NSD hoping for 5 this week. It's going to be tight to make it to payday but am determined to not use overdraft.

    Been to the gym and feel really well.

    Have done surveys , bit repetitive but have points and they make prizes. Have signed up for mystery shopping as well.
    Originally posted by Cumbria lass
    repetition pays off re the surveys trust me i made 1300 quid from them last year x
    Debts 15981.64 total paid 2078
    Cashback Earnings YTD £166.90 Survey Earnings YTD £535.12
    • Cumbria lass
    • By Cumbria lass 12th Jan 17, 10:07 PM
    • 814 Posts
    • 3,663 Thanks
    Cumbria lass
    I am persevering with the surveys getting near to £10 on one poll . Made my 5NSD this week , so pleased with myself.

    I keep reading about flylady in people's diaries , what is flylady ?

    6 days to pay day and still have money in my account, not much but no overdraft yippee.

    Till next diary time .
    Nov 2017 CC1 £3329 CC2 £600

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 14th Jan 17, 8:46 AM
    • 814 Posts
    • 3,663 Thanks
    Cumbria lass
    Spent £5.00 yesterday on lunch at work, it was a leaving do for a colleague. In 7 days that is the total amount I gave spent. Have done shopping list for later and that won't be more than £15 as still eating out of the freezer. Do need petrol today as well and am going on a long journey tomorrow so will need more petrol in the week. Glad to say I still have the money for it all in my account. 4 days till pay day then I can start in earnest.
    The biggest thing that has helped me so far is to meal plan and a spending diary .

    My one poll surveys are accumulating money so happy with that. Hoping to list more items to sell today.
    Nov 2017 CC1 £3329 CC2 £600

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 14th Jan 17, 7:42 PM
    • 814 Posts
    • 3,663 Thanks
    Cumbria lass
    Well shopping more than I thought £2.88 more but still ok. Petrol 32.00 and budgeted £40 . Will hopefully have enough until Wednesday pay day. Off visiting tomorrow 150 mile round trip and Sunday lunch to pay for but have the cash for this.

    I have learnt so many tips on here in the last 2 weeks , can't wait for more advise.
    Nov 2017 CC1 £3329 CC2 £600

    Debt Free Nov 2019: earlier if I have my way
    • Scott_Weiland
    • By Scott_Weiland 14th Jan 17, 10:12 PM
    • 616 Posts
    • 1,500 Thanks
    Scott_Weiland
    here is one

    re petrol get a nectar card

    use the card and build up points every time you use sainsburies or bp, then once you have i think its 500 points this can be converted for a voucher on ebay

    https://www.nectar.com/collecting-points/sponsors/ebay

    it works the other way too once all linked anything you buy on ebay then you will click nectar points for ebay purchases
    Debts 15981.64 total paid 2078
    Cashback Earnings YTD £166.90 Survey Earnings YTD £535.12
    • brizzledfw
    • By brizzledfw 15th Jan 17, 8:51 AM
    • 7,156 Posts
    • 34,729 Thanks
    brizzledfw
    Flylady is a speedy cleaning routine CumbriaLass..lots of people on here find it useful..can't say my house has ever benefitted

    Best of luck with your journey - and I can definitely say that not working FT is a great thing for one's sanity!

    Brizzle x
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 200 items before 31.01.18 xx/200 ** LSDs Target 10 for Winter 0x/10 **AFDs xx/15 ** Sales Target '17 £750 £225 so far
    **NSDs Target 10 for Winter xx/10 Trying to be a Frugalista
    • Cumbria lass
    • By Cumbria lass 15th Jan 17, 7:20 PM
    • 814 Posts
    • 3,663 Thanks
    Cumbria lass
    Oh thank you brizzledfw , bit like when I do a tickle up ! My version of flylady . Yes working full week doesn't suit me any longer, thankfully I only do a full week every 2nd week. This week is 4 days yippee.

    Had a great day visiting friends and a lovely meal.
    Nov 2017 CC1 £3329 CC2 £600

    Debt Free Nov 2019: earlier if I have my way
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