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  • FIRST POST
    • Cumbria lass
    • By Cumbria lass 1st Jan 17, 3:04 PM
    • 788Posts
    • 3,767Thanks
    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 20
    • Cumbria lass
    • By Cumbria lass 5th Sep 17, 10:02 PM
    • 788 Posts
    • 3,767 Thanks
    Cumbria lass
    Another spend day , only on salad stuff for work and teabags . Hoping for a NSD tomorrow.

    Just accepting that I may have to dip into EF to end the month .
    Nov 2017 CC1 £3329 CC2 £600

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 8th Sep 17, 8:36 AM
    • 788 Posts
    • 3,767 Thanks
    Cumbria lass
    Out last night only spent £4.24 on food and drink , child's Size portion of famous fish and chips !

    Oops �� £6 on a skirt much needed , £5 on 2 diffusers a treat . £8 on Xmas gift.

    Serious juggling required.

    Tomorrow is mothers birthday lunch. This is saved for thank goodness. Possibly one more social event before payday .

    Need to give myself a good talking to. Am still solvent , no cc used but very short on money.
    Nov 2017 CC1 £3329 CC2 £600

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 8th Sep 17, 9:37 PM
    • 788 Posts
    • 3,767 Thanks
    Cumbria lass
    Another spend day , out for lunch with daughter , 8.49 for both of us.

    I need to have a low food shop to limp through to payday. I do have a £50 od on my account if I get desperate! Don't really want to use it though.
    Nov 2017 CC1 £3329 CC2 £600

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 9th Sep 17, 8:31 AM
    • 788 Posts
    • 3,767 Thanks
    Cumbria lass
    Can anyone recommend a good flask for taking soup to work in. We do have microwaves at work but they are always busy. ? The ones I have looked at are expensive .
    Nov 2017 CC1 £3329 CC2 £600

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 9th Sep 17, 11:18 AM
    • 788 Posts
    • 3,767 Thanks
    Cumbria lass
    Have spent the morning , doing ppi claims, I am not hopeful for any but worth a try. Off to get organised now for mums birthday lunch.
    Nov 2017 CC1 £3329 CC2 £600

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 10th Sep 17, 8:17 PM
    • 788 Posts
    • 3,767 Thanks
    Cumbria lass
    Well all figures updated from different spends , mums birthday lunch, very much enjoyed. Shopping at Mr A today and I have grand total of £15.76 to last till next Monday. May need £10 petrol , so hoping to limp in having used no od .

    Busy week at work . Early night for me .
    Nov 2017 CC1 £3329 CC2 £600

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 10th Sep 17, 9:02 PM
    • 788 Posts
    • 3,767 Thanks
    Cumbria lass
    This past pay month has been the hardest so far since I started this journey, but through careful planning I think I will survive it. When I was on a DMP I don't think I learnt anything at all. I know that if I had my time again , I would have done it all differently and that is through the experience and help of other people who have helped since I started in January.
    Nov 2017 CC1 £3329 CC2 £600

    Debt Free Nov 2019: earlier if I have my way
    • Poor_Single_lady
    • By Poor_Single_lady 10th Sep 17, 9:18 PM
    • 1,103 Posts
    • 4,162 Thanks
    Poor_Single_lady
    Hi Cumbria. I have a soup pot from Lakeland. It works as a container to transport and then is good to go in the microwave. I'm quite happy with it.

    I might make a few soups now for work. Made me remember how much I like it. xx
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • Cumbria lass
    • By Cumbria lass 10th Sep 17, 9:43 PM
    • 788 Posts
    • 3,767 Thanks
    Cumbria lass
    Thanks PSL will have a look , I love Lakeland products. I am always in there when I go to my fave place !
    Nov 2017 CC1 £3329 CC2 £600

    Debt Free Nov 2019: earlier if I have my way
    • doingitanyway
    • By doingitanyway 11th Sep 17, 8:50 PM
    • 2,098 Posts
    • 9,692 Thanks
    doingitanyway
    Can anyone recommend a good flask for taking soup to work in. We do have microwaves at work but they are always busy. ? The ones I have looked at are expensive .
    Originally posted by Cumbria lass
    I recommend a thermos food flask. It is .75 size and keeps soup really hot. You can then avoid the microwave that is always gunky in workplaces anyway. I LOVE my flask
    JANUARY 2016/SECURED DEBT=24,822/November 2017=4,525
    MORTGAGE FREE 25/07/16
    • Cumbria lass
    • By Cumbria lass 11th Sep 17, 9:39 PM
    • 788 Posts
    • 3,767 Thanks
    Cumbria lass
    Totally agree with gunky microwave comment !

    NSD achieved hooray .
    Nov 2017 CC1 £3329 CC2 £600

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 12th Sep 17, 9:33 PM
    • 788 Posts
    • 3,767 Thanks
    Cumbria lass
    Oh dear a visit to dentist is costing £244 , I knew it would cost me this. Panicking at first , but will have to use EF , no choice. Have had another bill as well that I had forgotten as well . My yearly tenancy agreement charge another £75 . My funds are depleting before my eyes, however a year ago it would have all gone on a credit card but at least I have the money. Will just work on getting the EF back up again.

    Need payday to arrive , to top all my funds up again.
    Nov 2017 CC1 £3329 CC2 £600

    Debt Free Nov 2019: earlier if I have my way
    • helsbell
    • By helsbell 12th Sep 17, 10:53 PM
    • 132 Posts
    • 706 Thanks
    helsbell
    I used to get a charge like that when I rented. It was for 'admin' I phoned and asked if we could move to a rolling contract instead of a 6 month term or whatever, and what the admin fee would be if we did.

    She said, "Of course you can. There's no fee for that." I was that I'd saved the money but that I wouldn't have known if I hadn't asked.

    Anyway, always worth asking
    SPC 11, No. 062

    August 2017 B'card £5006.83 BoS £1086.59 DFD November 2020
    • Treadingonplaymobil
    • By Treadingonplaymobil 13th Sep 17, 5:26 AM
    • 1,057 Posts
    • 10,138 Thanks
    Treadingonplaymobil
    Oh dear a visit to dentist is costing £244 , I knew it would cost me this. Panicking at first , but will have to use EF , no choice. Have had another bill as well that I had forgotten as well . My yearly tenancy agreement charge another £75 . My funds are depleting before my eyes, however a year ago it would have all gone on a credit card but at least I have the money. Will just work on getting the EF back up again.

    Need payday to arrive , to top all my funds up again.
    Originally posted by Cumbria lass
    That sounds like legitimate use of the EF, but how annoying when you've worked hard to build it up.
    £67,031.92 is a frightening number indeed... The debt free diary of one family and their enormous debt
    LBM debt on 12th Feb 2017/DFD: £58,608.13/1st Dec 2026
    debt on 2nd Aug 17/DFD: £55,011.96/1st May 2025
    • Cumbria lass
    • By Cumbria lass 13th Sep 17, 8:35 PM
    • 788 Posts
    • 3,767 Thanks
    Cumbria lass
    Thanks Hellsbell and TOPM . Done something very not MSE have gone back to my old gym today , the cheaper one wasn't appropriate to my life style. Another £10 a month but at least I will be going more often than I had. Been tonight and loved it .

    That's it , when is payday !
    Nov 2017 CC1 £3329 CC2 £600

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 15th Sep 17, 5:03 PM
    • 788 Posts
    • 3,767 Thanks
    Cumbria lass
    Hope all London MSE users ok after this mornings attack.
    Nov 2017 CC1 £3329 CC2 £600

    Debt Free Nov 2019: earlier if I have my way
    • doingitanyway
    • By doingitanyway 15th Sep 17, 8:31 PM
    • 2,098 Posts
    • 9,692 Thanks
    doingitanyway
    Thanks Hellsbell and TOPM . Done something very not MSE have gone back to my old gym today , the cheaper one wasn't appropriate to my life style. Another £10 a month but at least I will be going more often than I had. Been tonight and loved it .
    Originally posted by Cumbria lass
    Funny, same for me. Cheaper gyms don't cut it for me so I don't go and waste the membership but fluffy towels, good staff, a lovely pool and it feels like a treat to be there. This isn't who I want to be but it is who I am. I didn't admit this for ages but 'to thine own self be true' and all that
    JANUARY 2016/SECURED DEBT=24,822/November 2017=4,525
    MORTGAGE FREE 25/07/16
    • Cumbria lass
    • By Cumbria lass 17th Sep 17, 8:37 AM
    • 788 Posts
    • 3,767 Thanks
    Cumbria lass
    Doingitanyway, I see it as a treat as well , I look forward to going now , takes all the stress away having a good swim or gym session.
    Have had a terrible month moneywise , EF has had a massive hit, car insurance , tenancy fee , dentist .
    Yesterday I bought myself new clothes for winter as I must have had a bigger cull than I thought earlier in the year . Have spent almost £120 on work clothes all from matalan and charity shop. This includes boots and pair of shoes plus some new underwear , used debenhams voucher from topcashback for this .

    Am setting myself a no clothes spend now until Christmas as I don't need anything else.

    I still feel guilty when I spend any money . My EF will be all but gone I think I have £150 in it . However at least nothing has gone on credit card and payday tomorrow so back to proper budget .

    Have lots of Christmas presents already , and have money in present fund . Haven't touched that at all for anything other than presents.

    Next weekend I go away for a few days , spa day with a friend and then a few days doing a hobby of mine . Everything barring petrol is paid for .
    I suppose I should be proud of what I have achieved since January and realise that all the money I have spent is mine that I have saved , but somehow it doesn't feel right.

    Anyway shopping in Mr A soon with about £13 in food budget plus the rest of my £15 entertainment money which is about a fiver .

    Have found some things to eBay so they will be bring listed today .
    Last edited by Cumbria lass; 17-09-2017 at 8:42 AM. Reason: Spelling
    Nov 2017 CC1 £3329 CC2 £600

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 17th Sep 17, 5:25 PM
    • 788 Posts
    • 3,767 Thanks
    Cumbria lass
    Shopping was £:16 am happy with that '. Just want to get tomorrow's payments done , then start on the way again. No real harm done , just everything has come at once.
    Nov 2017 CC1 £3329 CC2 £600

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 18th Sep 17, 9:27 PM
    • 788 Posts
    • 3,767 Thanks
    Cumbria lass
    Payday at last , transfers done . Hoping to try and put money back in EF this month . Will update totals in signature.
    Nov 2017 CC1 £3329 CC2 £600

    Debt Free Nov 2019: earlier if I have my way
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