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  • FIRST POST
    • Cumbria lass
    • By Cumbria lass 1st Jan 17, 3:04 PM
    • 1,095Posts
    • 6,007Thanks
    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 48
    • Cumbria lass
    • By Cumbria lass 7th Jan 18, 8:50 AM
    • 1,095 Posts
    • 6,007 Thanks
    Cumbria lass
    Having a ramble here now , need to do shopping list really.

    I am not one for New Year resolutions because I fail miserably. One of my worst traits is that I don’t like my routine being changed and sometimes turn down opportunities because say I haven’t done my housework etc. Yet I always think of myself as being spontaneous! .

    This year my aim is to be more flexible , like doing my ironing on a Saturday night as that is always a Sunday afternoon chore . Accepting a free trip to the theatre on a Friday later this month , when I have needed to change my childminding arrangements slightly.

    Ramble over , shopping list to be done.
    Nov 2017 CC1 £3209 CC2 £308

    Debt Free Nov 2019: earlier if I have my way
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 7th Jan 18, 2:25 PM
    • 2,914 Posts
    • 16,907 Thanks
    HairyHandofDartmoor
    Sounds like a good idea to try and be more flexible and spontaneous and not turn down opportunities. It's easy to get stuck into a routine too tightly.
    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. Then save up for repairs to the house.
    Emergency Fund 1 = £818/Emergency Fund 2 = £36.76/Loss of Income Fund £0
    • Cumbria lass
    • By Cumbria lass 7th Jan 18, 5:38 PM
    • 1,095 Posts
    • 6,007 Thanks
    Cumbria lass
    Thanks HH I am my own worst enemy.

    Shopping was £21.39 , I am very pleased with that as the fridge was bare.

    The DGC have exhausted me, as the weather was so sunny we strode of to the park and play area . It was freezing but so lovely to see the sun. We managed an hour then came home.

    Hot bath now , will then think about dinner.
    Nov 2017 CC1 £3209 CC2 £308

    Debt Free Nov 2019: earlier if I have my way
    • doingitanyway
    • By doingitanyway 7th Jan 18, 6:56 PM
    • 2,384 Posts
    • 11,212 Thanks
    doingitanyway
    Sounds like a lovely day with DGC. I too enjoyed the sunshine today
    JANUARY 2016/SECURED DEBT=24,822/December 2017=2,510
    MORTGAGE FREE 25/07/16
    • Seasidegal58
    • By Seasidegal58 7th Jan 18, 7:39 PM
    • 1,427 Posts
    • 8,245 Thanks
    Seasidegal58
    Sounds like a good idea to try and be more flexible and spontaneous and not turn down opportunities. It's easy to get stuck into a routine too tightly.
    Originally posted by HairyHandofDartmoor
    I agree - it’s easy to sink back and not be bothered. But I do think you need to take your opportunities while you can. The theatre trip is a good start and I I bet you really enjoy it.
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    Surveys: PA: £15.78/£20; One Poll: £15.40/£40: Opinium: £10.50/£25; Panelbase: £5/£10; You Gov: 1625/5000 points (£50)
    • Sun Addict
    • By Sun Addict 7th Jan 18, 7:46 PM
    • 4,992 Posts
    • 30,981 Thanks
    Sun Addict
    Re New Year resolutions, I tend to decide to do something at a random time of year. Like when I joined WW it was in April and 2 weeks before we went on holiday. I think you need to be in the zone.

    My DGC wear me out too
    Virtual Sealed Pot 2018 £106.40
    Jan NSDs 6 Jan AFDs 6
    Weight loss 2.5/10LBS Emergency Fund £1685.31/£10,000
    April holiday £0/£900
    • Cumbria lass
    • By Cumbria lass 7th Jan 18, 8:00 PM
    • 1,095 Posts
    • 6,007 Thanks
    Cumbria lass
    Yep agree with you all, I am going to try and be less regimented with regards to some things.

    I am so focused on getting rid of the CC2 from jan payday any money left out of the £30 weekly shopping budget will be paid to the CC2 .
    Nov 2017 CC1 £3209 CC2 £308

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 8th Jan 18, 6:46 PM
    • 1,095 Posts
    • 6,007 Thanks
    Cumbria lass
    Work has really been busy today , everyone getting back to work and routine .

    Been to the gym , it was very hard work , it was also busy it being January .

    NSD hoping for 3 this week. Friend popping round this evening for a coffee.
    Nov 2017 CC1 £3209 CC2 £308

    Debt Free Nov 2019: earlier if I have my way
    • Seasidegal58
    • By Seasidegal58 8th Jan 18, 8:27 PM
    • 1,427 Posts
    • 8,245 Thanks
    Seasidegal58
    Yes I think we’re all back into the routine now! Well done on making the trip to the gym though. Enjoy your evening having a cuppa with your friend.
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    Surveys: PA: £15.78/£20; One Poll: £15.40/£40: Opinium: £10.50/£25; Panelbase: £5/£10; You Gov: 1625/5000 points (£50)
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 8th Jan 18, 10:19 PM
    • 2,914 Posts
    • 16,907 Thanks
    HairyHandofDartmoor
    Yep agree with you all, I am going to try and be less regimented with regards to some things.

    I am so focused on getting rid of the CC2 from jan payday any money left out of the £30 weekly shopping budget will be paid to the CC2 .
    Originally posted by Cumbria lass
    You are so close to paying off CC2, I bet you can't wait .
    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. Then save up for repairs to the house.
    Emergency Fund 1 = £818/Emergency Fund 2 = £36.76/Loss of Income Fund £0
    • Cumbria lass
    • By Cumbria lass 9th Jan 18, 8:50 PM
    • 1,095 Posts
    • 6,007 Thanks
    Cumbria lass
    Yes keep trying to think of ways to get rid of £355 remaining on card.

    Another NSD today, managed the gym again !

    Work was very busy again, the day flew by .

    Three bean curry for dinner with cauliflower rice.
    Nov 2017 CC1 £3209 CC2 £308

    Debt Free Nov 2019: earlier if I have my way
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 9th Jan 18, 9:24 PM
    • 2,914 Posts
    • 16,907 Thanks
    HairyHandofDartmoor
    Dinner sounds nice. Did you put the cauliflower in the food mixer to turn it into rice?
    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. Then save up for repairs to the house.
    Emergency Fund 1 = £818/Emergency Fund 2 = £36.76/Loss of Income Fund £0
    • beanielou
    • By beanielou 9th Jan 18, 9:32 PM
    • 49,556 Posts
    • 186,516 Thanks
    beanielou
    Anything left you can sell?
    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 9th Jan 18, 9:34 PM
    • 1,095 Posts
    • 6,007 Thanks
    Cumbria lass
    Yes I blitz the cauliflower , then split it up and pop in the freezer till I need it. I cooked it in coconut oil with some onion and added a bit of veg stock.
    Nov 2017 CC1 £3209 CC2 £308

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 9th Jan 18, 9:36 PM
    • 1,095 Posts
    • 6,007 Thanks
    Cumbria lass
    Beanie, I am going to do some ebaying at some point . I need to get back into surveys , but life is rather busy at the moment.

    I will get there, think I have another £30 to overpay after the weekend.
    Nov 2017 CC1 £3209 CC2 £308

    Debt Free Nov 2019: earlier if I have my way
    • Sun Addict
    • By Sun Addict 9th Jan 18, 9:38 PM
    • 4,992 Posts
    • 30,981 Thanks
    Sun Addict
    I can highly recommend Iceland's frozen cauli rice. It comes in four single portions packs you just pop in the microwave for 3 minutes. They also do a greens rice too although I'm not so keen on that one.
    Virtual Sealed Pot 2018 £106.40
    Jan NSDs 6 Jan AFDs 6
    Weight loss 2.5/10LBS Emergency Fund £1685.31/£10,000
    April holiday £0/£900
    • Cumbria lass
    • By Cumbria lass 9th Jan 18, 9:41 PM
    • 1,095 Posts
    • 6,007 Thanks
    Cumbria lass
    I will go and seek out an Iceland our nearest one has closed . Not sure I have ever seen it in MR A . Thank you for the recommendation.
    Nov 2017 CC1 £3209 CC2 £308

    Debt Free Nov 2019: earlier if I have my way
    • beanielou
    • By beanielou 9th Jan 18, 9:43 PM
    • 49,556 Posts
    • 186,516 Thanks
    beanielou
    Was just reading about that iceland rice.
    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 9th Jan 18, 9:49 PM
    • 1,095 Posts
    • 6,007 Thanks
    Cumbria lass
    Great minds ! I use a lot of cauliflower for mash and rice as I have a friend who is carb free . Googling Iceland .
    Nov 2017 CC1 £3209 CC2 £308

    Debt Free Nov 2019: earlier if I have my way
    • Seasidegal58
    • By Seasidegal58 10th Jan 18, 7:16 PM
    • 1,427 Posts
    • 8,245 Thanks
    Seasidegal58
    I can highly recommend Iceland's frozen cauli rice. It comes in four single portions packs you just pop in the microwave for 3 minutes. They also do a greens rice too although I'm not so keen on that one.
    Originally posted by Sun Addict
    Yes thanks for that tip SA. We have an Iceland quite near to me. Will be buying some at the weekend!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    Surveys: PA: £15.78/£20; One Poll: £15.40/£40: Opinium: £10.50/£25; Panelbase: £5/£10; You Gov: 1625/5000 points (£50)
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