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  • FIRST POST
    • Cumbria lass
    • By Cumbria lass 1st Jan 17, 3:04 PM
    • 600Posts
    • 2,209Thanks
    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 22
    • Cumbria lass
    • By Cumbria lass 8th Oct 17, 6:42 PM
    • 600 Posts
    • 2,209 Thanks
    Cumbria lass
    Goals for October to year end.
    No clothes buying till January
    Not to go over budget for Christmas
    Stay in entertainment budget as Christmas gets closer
    Reduce Christmas card list.
    Keep going on NSD
    Keep up surveys trying for an extra £20 a month to pay CC

    Can't think of anymore for the moment.
    Aug 2017 CC1 £3549 CC 2 £1000

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 8th Oct 17, 9:29 PM
    • 600 Posts
    • 2,209 Thanks
    Cumbria lass
    Just realised this month 9 of debt busting so a quarterly update

    Jan 2017 Cc 1 4570 /Sep 2017 3549 = £1021 paid
    Jan 2017 cc2 1550 Sep 2017 £1000= £550 paid

    If my maths are right I have paid 27.8% off so going at the same rate possibly another 28 months to go. I do hope to get this down though.
    Aug 2017 CC1 £3549 CC 2 £1000

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 9th Oct 17, 6:20 AM
    • 600 Posts
    • 2,209 Thanks
    Cumbria lass
    Don't think I have slept a wink last night, got woken up at 12.15am by the phone ringing a phone number from Belgium. Never answered. That was it for the night , have a 12 hour day ahead.
    Aug 2017 CC1 £3549 CC 2 £1000

    Debt Free Nov 2019: earlier if I have my way
    • glass_half_full
    • By glass_half_full 9th Oct 17, 7:00 AM
    • 181 Posts
    • 456 Thanks
    glass_half_full
    Hi there Cumbria Lass,
    That's great progress you are making! What a pain about the phone call. Hope your day goes ok.
    Total unsecured debt - £7,167 (October 2017) - Debt free Target March 2018
    • Poor_Single_lady
    • By Poor_Single_lady 9th Oct 17, 7:28 PM
    • 1,049 Posts
    • 3,927 Thanks
    Poor_Single_lady
    Sounds like it's going well Cumbria apart from the phone call. Good luck with your goals. xxx
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • Cumbria lass
    • By Cumbria lass 9th Oct 17, 8:43 PM
    • 600 Posts
    • 2,209 Thanks
    Cumbria lass
    Thanks for stopping Glass half full and PSL. Having an early night tonight after the phone call.

    Spendy day as ordered some Xmas presents , went through topcashback so hoping for a bit back.

    That's all there is to report.
    Aug 2017 CC1 £3549 CC 2 £1000

    Debt Free Nov 2019: earlier if I have my way
    • beanielou
    • By beanielou 9th Oct 17, 9:43 PM
    • 47,671 Posts
    • 172,851 Thanks
    beanielou
    Your quarterly update looks fab
    Well done.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • Hiddenidenity
    • By Hiddenidenity 9th Oct 17, 10:03 PM
    • 5,047 Posts
    • 22,905 Thanks
    Hiddenidenity
    Finally caught up with your diary and subscribed (I didn't want to comment before reading it all

    I think you do amazing on the budget you have and you're really organised. I think we are quite lucky here with access to quite a few free things for the small ones other than the travel to get there.

    I think I'm further away from Manchester than you although DD is heading up to the trafford center at weekend and I'm a nervous wreck about it! I live nearer Bolton so that's my 'town' and Manchester the 'city'

    Hope your mums doing well now? I am lucky to live right by our hospital too, I never realised how much I appreciate being so close until I had youngest and we've spent the majority of the last 3 years in there.

    I will be following along now x
    DFW £1388.71/£7348.71 Rent Arrears £511.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • 117pauline
    • By 117pauline 10th Oct 17, 10:01 AM
    • 315 Posts
    • 4,546 Thanks
    117pauline
    Morning Cumbrian Lass

    I hav just popped over as you mentioned you don't get many visitors on another thread.

    Now I am going to read from the beginning of your diary. It's too blowy to go into the garden so it's a pot of tea and my tablet tucked under a blanket

    Have a good day
    Pauline
    Last edited by 117pauline; 10-10-2017 at 7:22 PM.
    Don't get it perfect - Get it going
    Better Than Before
    • EssexHebridean
    • By EssexHebridean 10th Oct 17, 12:03 PM
    • 8,013 Posts
    • 41,413 Thanks
    EssexHebridean
    Another here who's now made the connection that you have a diary and subscribed! (Quite jealous of Pauline's description of how she's going to catch up - a brew and a blanket sounds just perfect for today!)

    It looks like you have things pretty under control - I think regardless of how good we all get at this not-spending-money lark there are ALWAYS temptations in the way - I freely admit that nice food is mine, I have to remind myself that bread from our local bakery is a treat for once a month NOT for every weekend! It's about learning to deal with the things that trigger us though I think - and of course as you've learned also budgeting for stuff ahead of time and always having that little bit in reserve (EF) "just in case"!

    I sympathise about you struggling to get back to sleep after being disturbed early in the night too - I had something similar last night although I have NO idea what actually woke me up - just couldn't get comfy for a while after that - would normally have got up and pottered about a bit but MrEH had a silly-early start this morning so didn't want to risk disturbing him any more.
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£544.67 (17/10/17)
    • beanielou
    • By beanielou 10th Oct 17, 3:00 PM
    • 47,671 Posts
    • 172,851 Thanks
    beanielou
    Well my current want is to buy a new fleecy blankrt
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • Cumbria lass
    • By Cumbria lass 10th Oct 17, 5:38 PM
    • 600 Posts
    • 2,209 Thanks
    Cumbria lass
    Thank you to everyone who has commented today I feel very blessed .
    Aug 2017 CC1 £3549 CC 2 £1000

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 10th Oct 17, 5:44 PM
    • 600 Posts
    • 2,209 Thanks
    Cumbria lass
    Hidden thank you for taking the time to read my diary. As you say I am nearer to Manchester than you in fact so near the other hospital I can see it from my windows. I love that you call Bolton town and city Manchester. Town to me is Manchester and Bolton is a nice place to shop.

    I think your DD will enjoy the TC very much it's like a big adventure, if you are worried about her perhaps you could ask the mum of the party girl to send you a text just letting you know she's ok.

    As for my mum she is like super woman , bounced back and nearly back to former self.
    Aug 2017 CC1 £3549 CC 2 £1000

    Debt Free Nov 2019: earlier if I have my way
    • Seasidegal58
    • By Seasidegal58 10th Oct 17, 7:29 PM
    • 895 Posts
    • 4,689 Thanks
    Seasidegal58
    Hello Cumbria Lass - read your diary today and have subscribed. You've done really well and congrats on the quarterly update. . Will pop in now and again to cheer you on!

    SSG x
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    My debt free diary - " Paid off the £31,000 - BUT still scrimping!"
    • Treadingonplaymobil
    • By Treadingonplaymobil 11th Oct 17, 5:39 AM
    • 1,009 Posts
    • 9,298 Thanks
    Treadingonplaymobil
    Brilliant work on the debt clearing Cumbria!
    £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
    • Purplebonnie
    • By Purplebonnie 11th Oct 17, 7:42 AM
    • 89 Posts
    • 505 Thanks
    Purplebonnie
    You are doing really well with your debts and getting organised. I cut down on my Christmas card list by sending a free e-card to all my friends and relatives that I thought I could get away with, along with an email explaining that I was saving the environment and would be donating money to charity. I did donate to charity but it was cheaper than sending out cards.
    September 2017 Total Debt £37188.89 / DFD 01/05/22
    October 2017 Debt £36149.48 / DFD 01/04/22
    Extra Payments : 0.1% = £37.19 Total paid 0.3%
    MBNA - £5350.73

    October Food Budget : £200/£114.94 Extra Income £100 /£81.06
    SFD : 8/31 Weight Loss (Goal 8lbs) :
    • Hiddenidenity
    • By Hiddenidenity 11th Oct 17, 10:32 AM
    • 5,047 Posts
    • 22,905 Thanks
    Hiddenidenity
    Glad your mum bounced back (not literally though )

    I always said I'd move from here but now I feel spoilt having everything so close by especially the hospital! I always say I'd struggle to find somewhere else I could walk to everything I needed.

    Hope you have a good day x
    DFW £1388.71/£7348.71 Rent Arrears £511.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Seasidegal58
    • By Seasidegal58 11th Oct 17, 5:56 PM
    • 895 Posts
    • 4,689 Thanks
    Seasidegal58
    Goals for October to year end.
    No clothes buying till January
    Not to go over budget for Christmas
    Stay in entertainment budget as Christmas gets closer
    Reduce Christmas card list.
    Keep going on NSD
    Keep up surveys trying for an extra £20 a month to pay CC

    Can't think of anymore for the moment.
    Originally posted by Cumbria lass
    Re the Christmas cards - I must say that I do love to receive them and send them out as well! I've spent quite a lot in the past on them but did go rather MSE last January and bought all cards (bar one for DNephew as I couldn't find one I liked!), Xmas bags and tags for this Xmas in the sales! Also bought my stamps then before the postal cost increased! I saved loads!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    My debt free diary - " Paid off the £31,000 - BUT still scrimping!"
    • redofromstart
    • By redofromstart 11th Oct 17, 9:12 PM
    • 392 Posts
    • 2,000 Thanks
    redofromstart
    I do the bulk buy on the cards as well, but my sister takes it a step further and writes them all in one go to, adding the address when she posts them. A step too far for me, its a minor miracle if I remember to post them on time.
    • beanielou
    • By beanielou 11th Oct 17, 9:38 PM
    • 47,671 Posts
    • 172,851 Thanks
    beanielou
    I tend to try to do them monthly.
    Get caught out by the out of the ordinary ones ie new baby, new house......
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
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