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  • FIRST POST
    • Cumbria lass
    • By Cumbria lass 1st Jan 17, 3:04 PM
    • 882Posts
    • 4,490Thanks
    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 23
    • JoJoC
    • By JoJoC 12th Oct 17, 10:28 AM
    • 1,275 Posts
    • 4,151 Thanks
    JoJoC
    Just stopped by to check in with you!

    I'm loving your October list - it's nice to have goals facing you like that to keep you on the straight and narrow.

    RE: Christmas cards - I'm in two minds with what to do about them this year. Last year I stopped sending/ giving generic Christmas cards to neighbours, friends, distant relatives etc as I felt that it was always a stress to get them done and posted in time and was a waste of money.

    However, i still spend around £20, maybe more, on Christmas cards for close family on cards like 'Merry Christmas to mum and dad/ aunty and uncle/ nephew' etc. I'd like to still give them cards because I know it means a lot to them to receive and I also buy from Card Factory to keep costs low, but the volume that I need makes that tricky.

    I'd considered making cards with the kids but not sure that'd be much cheaper.

    I just think it's a lovely tradition but a shame to see such wasted money that goes in the recycling a couple of weeks later. What are your thoughts?
    CC1: £3804.52 / £3554.32 £250.20 paid | CC2:£5027.53 / £4829.43 £245 paid | Loan: £15,000 / £12,369.24 (£2,631.76 paid)

    July debt total: £23,832.05 | New debt total: £20,752 | Total debt paid: £3,080 (13%)
    *My debt busting and savings diary*
    • Cumbria lass
    • By Cumbria lass 13th Oct 17, 7:29 AM
    • 882 Posts
    • 4,490 Thanks
    Cumbria lass
    Lots of comments about the Christmas cards , some of you are very organised ! The comments by JoJo C I could have written myself. I buy cards from Card Factory ( going tomorrow) list in hand to buy all the Mum and Dad etc . My usual spend is around £15 and then the bit I dislike the most writing the said cards. Some are going abroad so postage costs are very high. Then all the cards end up in recycling bin afterwards. I make a lot of my own cards but it is a hobby I do very infrequently and usually as part of a group. Anyhow good news is all card expenses coming out of Christmas fund .

    More good news is that 2 of my PPI claims are now awaiting decisions on payment so fingers crossed for some pennies coming my way.

    Only 1 NSD this week , must do better.
    Nov 2017 CC1 £3329 CC2 £600

    Debt Free Nov 2019: earlier if I have my way
    • Scott_Weiland
    • By Scott_Weiland 13th Oct 17, 8:38 AM
    • 659 Posts
    • 1,617 Thanks
    Scott_Weiland
    A big ppi cheque in the post pre santy would be ace fingers crossed for you x
    Debts 15981.64 total paid 2078
    Cashback Earnings YTD £167.28 Survey Earnings YTD £552.88
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 13th Oct 17, 9:05 AM
    • 2,176 Posts
    • 10,303 Thanks
    HairyHandofDartmoor
    Cards can be so expensive, although Christmas ones can be bought by the pack quite cheaply. I never understand why they don't sell birthday cards by the pack as individual cards are so expensive .

    The debts are definitely coming down Cumbria and glad your mum is feeling better

    Fingers crossed for the PPI claims by the way.
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 October 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund
    Emergency Fund 1 = £818/Emergency Fund 2 = £181.63
    • beanielou
    • By beanielou 13th Oct 17, 3:21 PM
    • 48,977 Posts
    • 181,643 Thanks
    beanielou
    Positive vibes for the PPI
    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 13th Oct 17, 7:58 PM
    • 882 Posts
    • 4,490 Thanks
    Cumbria lass
    Christmas card list ready for tomorrow for purchasing from cheap card shop. Spent £2.75 in bakery . £3.30 for children's play area , free toast and juice for DGS and tea for me.

    Not getting any hopes up about PPI if it happens then I will be happy of course.
    Nov 2017 CC1 £3329 CC2 £600

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 14th Oct 17, 8:37 AM
    • 882 Posts
    • 4,490 Thanks
    Cumbria lass
    Plans for today :

    Cleaning house.
    Waxing
    Meeting friend
    Buying Xmas cards
    Sorting washing
    Strictly/xfactor whilst eating popcorn !

    The weather is really warm at the moment , would love to have wellies on and be walking in the Lakes . My heart is desperate to go but need to wait a couple of more weeks .
    Nov 2017 CC1 £3329 CC2 £600

    Debt Free Nov 2019: earlier if I have my way
    • beanielou
    • By beanielou 14th Oct 17, 9:35 AM
    • 48,977 Posts
    • 181,643 Thanks
    beanielou
    Enjoy your day.
    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 14th Oct 17, 10:09 AM
    • 4,230 Posts
    • 26,459 Thanks
    Hiddenidenity
    I said this morning it's so warm! Damp but definitely not cold it's strange.

    Do you know of a good soft play? I haven't been to one locally for a long time as the one in FW is awful
    • Cumbria lass
    • By Cumbria lass 14th Oct 17, 11:40 AM
    • 882 Posts
    • 4,490 Thanks
    Cumbria lass
    Hidden replied on your thread .

    Off to get dressed for going out, I have done cleaning in pjs !
    Nov 2017 CC1 £3329 CC2 £600

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 14th Oct 17, 8:57 PM
    • 882 Posts
    • 4,490 Thanks
    Cumbria lass
    It's been very warm today , and all the shops were way to hot.

    Job list all done.

    Not sure how much I spent on Christmas presents but definitely within budget. Christmas cards came to ridiculous amount and all from Card Factory. Next year definitely going to get some in Boxing Day sale.

    Still need a few things but hoping to use vouchers from Valued Opinions for the rest.
    Nov 2017 CC1 £3329 CC2 £600

    Debt Free Nov 2019: earlier if I have my way
    • doingitanyway
    • By doingitanyway 14th Oct 17, 9:49 PM
    • 2,178 Posts
    • 10,102 Thanks
    doingitanyway
    You sound organised today.

    Boxing day sale is the way to go with Christmas cards. I will be doing that this year.

    Enjoy the rest of your weekend
    JANUARY 2016/SECURED DEBT=24,822/November 2017=3,500
    MORTGAGE FREE 25/07/16
    • beanielou
    • By beanielou 14th Oct 17, 10:01 PM
    • 48,977 Posts
    • 181,643 Thanks
    beanielou
    I am lucky as have a very small family!
    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 14th Oct 17, 10:13 PM
    • 882 Posts
    • 4,490 Thanks
    Cumbria lass
    I envy you beanielou for a small family , mine is mahoosive !

    I can't stand all the shops after the end of October so I have to be organised.
    Nov 2017 CC1 £3329 CC2 £600

    Debt Free Nov 2019: earlier if I have my way
    • DebtFreeDuo
    • By DebtFreeDuo 15th Oct 17, 9:25 AM
    • 606 Posts
    • 2,975 Thanks
    DebtFreeDuo
    Cumbria lass you're so well organised! I know what you mean about the shops in Nov/Dec, I try to avoid them as much as I can. I don't buy Christmas cards anymore, I remember spending an absolute fortune one year and told myself never again.
    Loan:1780.49 2207.38 Car Loan:2179.17 2419.64 0% CC:1010.98 1063.48 Total: 4970.64 5690.50 DFD Dec 18
    SPC 586
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 15th Oct 17, 9:40 AM
    • 2,176 Posts
    • 10,303 Thanks
    HairyHandofDartmoor
    It's a very good idea to try and get some Christmas stuff early, I hate hot crowded shops. I also have a huge family and I always buy Christmas cards and wrapping paper in the January sales when they are normally half price, and post them early so they can go second class.
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 October 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund
    Emergency Fund 1 = £818/Emergency Fund 2 = £181.63
    • Cumbria lass
    • By Cumbria lass 15th Oct 17, 5:21 PM
    • 882 Posts
    • 4,490 Thanks
    Cumbria lass
    Round up of shopping

    Mr A £25.14 I had £24.56 left , not to bad . Had to buy tea bags and toilet rolls again that made it more expensive, but under my £30 budget.

    I need to check Christmas gifts again and make a new list of what I need to still get.

    Payday is Wednesday , have about a fiver left in my purse so should be ok.
    Nov 2017 CC1 £3329 CC2 £600

    Debt Free Nov 2019: earlier if I have my way
    • Poor_Single_lady
    • By Poor_Single_lady 15th Oct 17, 5:38 PM
    • 1,123 Posts
    • 4,278 Thanks
    Poor_Single_lady
    Cumbria I hate buying loo roll. I would almost want to buy anything else! Sometimes my mum gets me a giant family pack as I can't drive and it's helpful someone getting you something so big. so I only have to do this a few times a year but I hate it.
    Last time I went shopping with my mum I bought a massive pack that filled a quarter of my trolley and then bumped into someone I knew! Nightmare situation. I felt like they were looking at the massive loo roll wondering why a single person on their own needed so much. Argh!

    I buy teabags from Iceland as from my options this is the cheapest I have found.

    Glad the Christmas shopping is going well. xxx
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • Cumbria lass
    • By Cumbria lass 15th Oct 17, 7:14 PM
    • 882 Posts
    • 4,490 Thanks
    Cumbria lass
    Thank you for comments on Christmas cards , it is on my calendar for 27th December to go and seek out sale ones.

    On redoing my Christmas list , I found I had missed off my friend who I met in a strange way. She. Is 28 yrs older than me but I visit her as often as I can . I have no idea what to get her , any ideas ? She is 82 .
    On the toilet roll thing I am going back to buying in bulk as suggested by PSL.
    Nov 2017 CC1 £3329 CC2 £600

    Debt Free Nov 2019: earlier if I have my way
    • Verbatim
    • By Verbatim 15th Oct 17, 7:19 PM
    • 4,518 Posts
    • 13,261 Thanks
    Verbatim
    Iceland do 4 x rolls of 3 ply loo paper for £1.
    CCs @0% £24k Dec 05 £19,621.41 Au £13400 S 12600 Oct £11,981 £9481 £7500 Nov £7250 D £7100 Jan 6950 F £5800 Mar£5400 May £4830 June £4660 July £4460 Aug £3200, S £900, £0 18/9/07 DFW Nerd 042
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