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  • FIRST POST
    • Cumbria lass
    • By Cumbria lass 1st Jan 17, 3:04 PM
    • 894Posts
    • 4,557Thanks
    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 39
    • Cumbria lass
    • By Cumbria lass 29th Nov 17, 8:44 PM
    • 894 Posts
    • 4,557 Thanks
    Cumbria lass
    Will reply properly tomorrow . Bit sad tonight, someone I think the world of has had to fly half way round the world at short notice , and will be away for a while. Didn't get chance to say goodbye .
    Nov 2017 CC1 £3329 CC2 £600

    Debt Free Nov 2019: earlier if I have my way
    • Seasidegal58
    • By Seasidegal58 2nd Dec 17, 4:57 PM
    • 1,173 Posts
    • 6,600 Thanks
    Seasidegal58
    I’m so sorry to hear about your friend Cumbria. Hope you are feeling brighter now.

    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!"
    • beanielou
    • By beanielou 2nd Dec 17, 5:48 PM
    • 49,035 Posts
    • 182,045 Thanks
    beanielou
    Sorry to hear about your friend too
    Take care.
    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***
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 2nd Dec 17, 6:36 PM
    • 2,234 Posts
    • 10,750 Thanks
    HairyHandofDartmoor
    You will miss your friend Cumbria . I hope you have a good weekend.
    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 = £203.76
    • Cumbria lass
    • By Cumbria lass 3rd Dec 17, 7:17 PM
    • 894 Posts
    • 4,557 Thanks
    Cumbria lass
    I was sad but it couldn't be helped , family come first even if they are half a world away. We can keep in touch via social media.

    Busy weekend , I have had visitors, so busy busy busy. Today has been all about catching up after they left for home .Washing bedding , towels , remaking beds. Back in my own bed tonight , looking forward to that.

    Have done Christmas decorations today , mimimal this year as I am not really here over Christmas, working some of it , then away for New Year. Not putting a tree up , I have a twig tree with lights and I love it.

    Dinner dance last night as predicted shoes lasted an hour ! Very cheap night as drinks provided.

    Shopping today £20.49 from Mr A . No petrol needed yet. Low spend weekend , £5 on a new smoke detector, extra £5 on milk and bread for visitors. £2 raffle on Saturday night. £5 secret santa present.

    Sold old iPhone on music magpie through topcash back ( thanks Scott ) for the tip.

    Bought train tickets to North east for new year £29.50 got nectar points for that. Read meter for this month consumption going up for gas , but in credit by £100 at the minute. This will even out by march properly.

    I am out on Thursday for next Christmas night out, meal with old workmates, won't be very expensive. Last week at work, it cost £4 in collections for different things.

    This month is definitely testing and taxing on your budget. Think that's it , apart from saying thank you to everyone who has commented .
    Nov 2017 CC1 £3329 CC2 £600

    Debt Free Nov 2019: earlier if I have my way
    • doingitanyway
    • By doingitanyway 3rd Dec 17, 8:24 PM
    • 2,197 Posts
    • 10,179 Thanks
    doingitanyway
    Twig tree sounds lovely.

    I love guests but I love it when they are gone and I am back in my own bed too
    JANUARY 2016/SECURED DEBT=24,822/November 2017=3,500
    MORTGAGE FREE 25/07/16
    • Sun Addict
    • By Sun Addict 3rd Dec 17, 8:50 PM
    • 4,731 Posts
    • 28,158 Thanks
    Sun Addict
    I've got a twig tree with lights on that I keep up all year round Sounds like your friend had a very good reason to take flight, I'm sure they'll be back soon.
    Virtual Sealed Pot 2018 £20.70
    December 3 NSD
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • Cumbria lass
    • By Cumbria lass 4th Dec 17, 7:29 PM
    • 894 Posts
    • 4,557 Thanks
    Cumbria lass
    Friend will be back, he is just my go to friend when everything is wrong with the world.

    I might think about keeping the twig tree up after Christmas I rather like it.

    Managed swimming tonight. Need to parcel up iPhone to send off and would like to post Christmas cards tomorrow as well but need to do addresses .

    NSD today . That's it.
    Nov 2017 CC1 £3329 CC2 £600

    Debt Free Nov 2019: earlier if I have my way
    • beanielou
    • By beanielou 4th Dec 17, 7:41 PM
    • 49,035 Posts
    • 182,045 Thanks
    beanielou
    Always good to have a friend like that
    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***
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 4th Dec 17, 10:00 PM
    • 2,234 Posts
    • 10,750 Thanks
    HairyHandofDartmoor
    Great that you've sold the iPhone .

    I like the sound of your twig tree. I'm always tempted to keep my Christmas lights up, but then it wouldn't feel so special at Christmas time.
    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 = £203.76
    • beanielou
    • By beanielou 4th Dec 17, 10:12 PM
    • 49,035 Posts
    • 182,045 Thanks
    beanielou
    I got a tabletop wooden tree last year.
    Love it & it doesent need to go in the loft
    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***
    • Scott_Weiland
    • By Scott_Weiland 5th Dec 17, 1:42 AM
    • 659 Posts
    • 1,629 Thanks
    Scott_Weiland
    I was sad but it couldn't be helped , family come first even if they are half a world away. We can keep in touch via social media.

    Busy weekend , I have had visitors, so busy busy busy. Today has been all about catching up after they left for home .Washing bedding , towels , remaking beds. Back in my own bed tonight , looking forward to that.

    Have done Christmas decorations today , mimimal this year as I am not really here over Christmas, working some of it , then away for New Year. Not putting a tree up , I have a twig tree with lights and I love it.

    Dinner dance last night as predicted shoes lasted an hour ! Very cheap night as drinks provided.

    Shopping today £20.49 from Mr A . No petrol needed yet. Low spend weekend , £5 on a new smoke detector, extra £5 on milk and bread for visitors. £2 raffle on Saturday night. £5 secret santa present.

    Sold old iPhone on music magpie through topcash back ( thanks Scott ) for the tip.

    Bought train tickets to North east for new year £29.50 got nectar points for that. Read meter for this month consumption going up for gas , but in credit by £100 at the minute. This will even out by march properly.

    I am out on Thursday for next Christmas night out, meal with old workmates, won't be very expensive. Last week at work, it cost £4 in collections for different things.

    This month is definitely testing and taxing on your budget. Think that's it , apart from saying thank you to everyone who has commented .
    Originally posted by Cumbria lass
    Welcome lol Kerching xx
    Debts 15981.64 total paid 2078
    Cashback Earnings YTD £167.28 Survey Earnings YTD £552.88
    • Cumbria lass
    • By Cumbria lass 5th Dec 17, 7:48 PM
    • 894 Posts
    • 4,557 Thanks
    Cumbria lass
    There are so many new diaries on here now can't keep up, I think you can't possibly read them all! Anyhow I have my favourites and think I will stick with them.

    Busy day at work , have eaten a big evening meal , three bean curry and rice ! Now don't feel like moving.

    Posted the mobile , so will wait for money to land in my account.

    Had another NSD today but tomorrow need petrol and it is much cheaper near work than home .
    Nov 2017 CC1 £3329 CC2 £600

    Debt Free Nov 2019: earlier if I have my way
    • WannabeFree
    • By WannabeFree 5th Dec 17, 8:07 PM
    • 420 Posts
    • 2,860 Thanks
    WannabeFree
    There are so many new diaries on here now can't keep up, I think you can't possibly read them all! Anyhow I have my favourites and think I will stick with them.

    Busy day at work , have eaten a big evening meal , three bean curry and rice ! Now don't feel like moving.

    Posted the mobile , so will wait for money to land in my account.

    Had another NSD today but tomorrow need petrol and it is much cheaper near work than home .
    Originally posted by Cumbria lass
    I try to reply to a few but I can't keep up with so many and do tend to just pop in to those I feel closer too.

    Well done on the NSD. We where discussing petrol prices yesterday. 1.24 at my local but in B town at Mr S it was much less yet only 10 minutes away. Well 10 minutes when the traffic on those main roads aren't as crazy! x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • Cumbria lass
    • By Cumbria lass 5th Dec 17, 8:18 PM
    • 894 Posts
    • 4,557 Thanks
    Cumbria lass
    Traffic was crazy tonight , took me forever to get home . Yep Mr S is cheaper than near me that's where I shall be filling up.
    Nov 2017 CC1 £3329 CC2 £600

    Debt Free Nov 2019: earlier if I have my way
    • doingitanyway
    • By doingitanyway 5th Dec 17, 8:34 PM
    • 2,197 Posts
    • 10,179 Thanks
    doingitanyway
    I'm going to be eating beans and rice more often. It is a nutritious and delicious meal. I love black beans and some grain along with a salad a maybe a slice of avocado and a wedge of lime

    Well done posting the mobile.
    JANUARY 2016/SECURED DEBT=24,822/November 2017=3,500
    MORTGAGE FREE 25/07/16
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 5th Dec 17, 9:30 PM
    • 2,234 Posts
    • 10,750 Thanks
    HairyHandofDartmoor
    I know what you mean about lots of new diaries. I dip in to a few now and again but post regularly on just a few favourites, otherwise I'd be on here all day .

    Hope you get the money for the phone soon.
    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 = £203.76
    • JoJoC
    • By JoJoC 5th Dec 17, 9:37 PM
    • 1,278 Posts
    • 4,164 Thanks
    JoJoC
    Just stopping by to say hello - your three bean curry sounds delicious! Easy to make?
    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 6th Dec 17, 10:43 AM
    • 894 Posts
    • 4,557 Thanks
    Cumbria lass
    Petrol 112.7 very pleased !
    Nov 2017 CC1 £3329 CC2 £600

    Debt Free Nov 2019: earlier if I have my way
    • redofromstart
    • By redofromstart 6th Dec 17, 1:18 PM
    • 621 Posts
    • 3,510 Thanks
    redofromstart
    I try and spot new diaries, and at least say hello as its pretty lonely when you start a diary and you feel like you are wittering to yourself. I imagine it really peeks in January.

    That's a good price on the petrol cumbria, it was about 10p/litre more when I looked yesterday.
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