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  • FIRST POST
    • Cumbria lass
    • By Cumbria lass 1st Jan 17, 3:04 PM
    • 799Posts
    • 3,853Thanks
    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 33
    • Cumbria lass
    • By Cumbria lass 9th Nov 17, 8:42 PM
    • 799 Posts
    • 3,853 Thanks
    Cumbria lass
    That's lovely to hear, I hope I can do that when I am 80 !
    Nov 2017 CC1 £3329 CC2 £600

    Debt Free Nov 2019: earlier if I have my way
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 9th Nov 17, 8:42 PM
    • 1,926 Posts
    • 8,353 Thanks
    HairyHandofDartmoor
    Glad your new team seem nice Cumbria.

    That's a really good idea to split your Christmas and birthday savings like that
    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 = £678/Emergency Fund 2 = £140
    • beanielou
    • By beanielou 9th Nov 17, 9:12 PM
    • 48,544 Posts
    • 178,750 Thanks
    beanielou
    Glad to hear that you have had a lovely welcome from your new team.
    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 Nov 17, 7:15 AM
    • 799 Posts
    • 3,853 Thanks
    Cumbria lass
    Friday again, childminding day , crazy day. Also doing a stint tomorrow with DGS. If I haven't surfaced tonight , send a search party out, you may find me under the toys.

    Have a good day everyone.
    Nov 2017 CC1 £3329 CC2 £600

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 10th Nov 17, 7:13 PM
    • 799 Posts
    • 3,853 Thanks
    Cumbria lass
    Survived just , crawling round play areas is definitely overrated.

    Am having a terrible time with myself and 2 wants. I would love to buy a new iPad and a iphone se , with would be about £700 . I only have £500 , I don't need either at the moment, as have a iPad that works and iPhone that works. Yes they are getting older but work ok.

    Need to talk myself out of it .
    Nov 2017 CC1 £3329 CC2 £600

    Debt Free Nov 2019: earlier if I have my way
    • doingitanyway
    • By doingitanyway 10th Nov 17, 7:19 PM
    • 2,104 Posts
    • 9,737 Thanks
    doingitanyway
    Glad you survived childminding. I hadn't realised your 'free' day was child care. Must be lovely. Little ones take energy but give back so much too

    You won't buy new Apple stuff. You are way to smart for that. It is just a scratch. You will stop itching soon

    Enjoy your evening
    JANUARY 2016/SECURED DEBT=24,822/November 2017=4,525
    MORTGAGE FREE 25/07/16
    • Seasidegal58
    • By Seasidegal58 10th Nov 17, 9:43 PM
    • 1,098 Posts
    • 5,985 Thanks
    Seasidegal58
    Survived just , crawling round play areas is definitely overrated.

    Am having a terrible time with myself and 2 wants. I would love to buy a new iPad and a iphone se , with would be about £700 . I only have £500 , I don't need either at the moment, as have a iPad that works and iPhone that works. Yes they are getting older but work ok.

    Need to talk myself out of it .
    Originally posted by Cumbria lass
    Wait until they give up the ghost! That’s what I do!
    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!"
    • EssexHebridean
    • By EssexHebridean 10th Nov 17, 10:46 PM
    • 8,149 Posts
    • 43,017 Thanks
    EssexHebridean
    Ahhh "wants" eh - well we've all been there! I'm confident that you won't weaken though.

    Excellent news that your new team made you feel so welcome!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£632.77 (20/11/17)
    SOA Calculator for DFW newbies: Stoozing.com SOA Calculator
    • 166million
    • By 166million 10th Nov 17, 11:02 PM
    • 1,070 Posts
    • 4,484 Thanks
    166million
    It's great that you hard work is paying off and you don't have to rely on credit cards
    **Debt Free as of 15:55 on Friday 23rd March 2012**And I am staying that way

    377 166million Sealed Pot Challenge 2018
    My debt free diary http://http://forums.moneysavingexpert.com/showthread.php?t=3630099

    No. 90: Emergency fund £43
    • Cumbria lass
    • By Cumbria lass 11th Nov 17, 8:07 AM
    • 799 Posts
    • 3,853 Thanks
    Cumbria lass
    New shiny Apple stuff is still there in my head, but you are right wait until it breaks and then replace it.

    Yesterday wasn't a NSD £3.50 play area
    Coffee £1.30
    Bakers £1.45
    Window cleaner £2.30

    Today I ha ve DGS who I am taking to the cinema , then probably lunch that will be another £20 . It all adds up .

    Sunday will have to be cleaning, shopping , ironing. Etc
    Nov 2017 CC1 £3329 CC2 £600

    Debt Free Nov 2019: earlier if I have my way
    • glass_half_full
    • By glass_half_full 11th Nov 17, 8:54 AM
    • 208 Posts
    • 496 Thanks
    glass_half_full
    Survived just , crawling round play areas is definitely overrated.

    Am having a terrible time with myself and 2 wants. I would love to buy a new iPad and a iphone se , with would be about £700 . I only have £500 , I don't need either at the moment, as have a iPad that works and iPhone that works. Yes they are getting older but work ok.

    Need to talk myself out of it .
    Originally posted by Cumbria lass
    Hi Cumbria,
    I so sympathise, I get these cravings. Wait 72 hours they will go away.
    Total unsecured debt - £4,367 (November 2017) - Debt free Target 27th February 2018
    • redofromstart
    • By redofromstart 11th Nov 17, 9:57 AM
    • 521 Posts
    • 2,938 Thanks
    redofromstart
    The home button is really annoying on the newer iphones. Does that help? I have a new SE for work and hate the button, even though I have always had iphones because of gadgetman.

    I inherited gadegtmans old ipad when he got a new one. It wasn't significantly better than the 2, especially if you just use it for internet/iplayer rather than games. I tend to use the older one because I prefer the case.
    • Cumbria lass
    • By Cumbria lass 11th Nov 17, 3:16 PM
    • 799 Posts
    • 3,853 Thanks
    Cumbria lass
    Thank you for all your replies discouraging me from buying any Apple product , it is one of my dafter ideas. I think I am cured !

    Redfromstart , I love your gadgetmans name , I also know one , the reason I have Apple stuff to start with .
    Nov 2017 CC1 £3329 CC2 £600

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 11th Nov 17, 3:20 PM
    • 799 Posts
    • 3,853 Thanks
    Cumbria lass
    Well today hasn't panned out as predicted, DGS was sick within 30 mins of being here. Luckily he did get to the bathroom so not to much mess! I have spare clothes here for him so he was soon comfortable again. We have spent a day playing , lego houses. I went outside and collected leaves for his picture. He did seem himself , but he hasn't eaten much. Anyway he had gone home now , hope it isn't catching .

    NSD then looking likely. Just going to do some things to get a head start tomorrow.
    Nov 2017 CC1 £3329 CC2 £600

    Debt Free Nov 2019: earlier if I have my way
    • 117pauline
    • By 117pauline 11th Nov 17, 3:37 PM
    • 416 Posts
    • 5,318 Thanks
    117pauline
    It always amazes how quickly a child bounces back. I wish I did!

    Please make sure you find something nice to do rather than just the chores. Chores seem to expand to fill the time available.

    I went out today down to the market square to pay my respects. There were about 70 people plus the local cadets, leader of the council and the local MP. I was very touched to see no one walked through during the silence. It seems more and more people respect the silence on the 11th. So that was my trip out for the day! I even managed some shopping so I'm now chilling watching motorbikes. Small steps for me but a step nevertheless.

    Now I need a cup of tea. Have a good weekend
    Pauline
    Don't get it perfect - Get it going
    Better Than Before
    • Cumbria lass
    • By Cumbria lass 11th Nov 17, 6:41 PM
    • 799 Posts
    • 3,853 Thanks
    Cumbria lass
    Pauline glad you got out today, I will be at a local service tomorrow at the cenotaph as well. You did really well , maybe small trips are the way to go.

    Don't worry about me just doing housework, I will be going for a walk as well if I have time. I love spending the day at home on my own . I have a busy life so it's like a treat to me. Hope you enjoyed your moto sport.
    Nov 2017 CC1 £3329 CC2 £600

    Debt Free Nov 2019: earlier if I have my way
    • 117pauline
    • By 117pauline 11th Nov 17, 6:58 PM
    • 416 Posts
    • 5,318 Thanks
    117pauline
    Yep, small steps and little victories! I'm not sure about a big service tomorrow but I will definitely go out. We have been to the Somme and Flanders several times, even going to the big commemorations at Thiepval for the beginningof the Battle of the Somme. If you haven't been, it is truly a beautiful place to visit and so close really.

    The bikes were excellent, thank you. It looked lovely in Valencia. Mind you, it was beautifully bright here, although freezing. Just wish I could remember where I have put my gloves.

    Take care
    Pauline
    Don't get it perfect - Get it going
    Better Than Before
    • redofromstart
    • By redofromstart 11th Nov 17, 8:44 PM
    • 521 Posts
    • 2,938 Thanks
    redofromstart
    cumbria, my iPad is now playing up....





    ETA sorted it, not sure how I had manage to switch on shake to cancel/undo typing but I've switched it off again now. I blame the children
    Last edited by redofromstart; 11-11-2017 at 8:51 PM.
    • Cumbria lass
    • By Cumbria lass 11th Nov 17, 8:50 PM
    • 799 Posts
    • 3,853 Thanks
    Cumbria lass
    Oh no , has gadgetman got a spare one .
    Nov 2017 CC1 £3329 CC2 £600

    Debt Free Nov 2019: earlier if I have my way
    • redofromstart
    • By redofromstart 11th Nov 17, 8:53 PM
    • 521 Posts
    • 2,938 Thanks
    redofromstart
    Ha, if I had told him he would have instantly offered to get himself a new one.
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