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  • FIRST POST
    • Cumbria lass
    • By Cumbria lass 1st Jan 17, 3:04 PM
    • 1,061Posts
    • 5,820Thanks
    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 49
    • Cumbria lass
    • By Cumbria lass 10th Jan 18, 7:50 PM
    • 1,061 Posts
    • 5,820 Thanks
    Cumbria lass
    Well the Iceland I thought that was closed was actually under refurbishment, so will be going this weekend.

    NSD 3 , not much to report , gifted food from parents, they are going to find the sun tomorrow. Had ham and tomato toasties , used from my free stash , grapes and yoghurt .

    Tomorrow I am having a 24 hr BP machine fitted , this is after visiting the doctor before Christmas, and then a check up for my lung condition all at the same hospital.
    Nov 2017 CC1 £3209 CC2 £400

    Debt Free Nov 2019: earlier if I have my way
    • doingitanyway
    • By doingitanyway 10th Jan 18, 8:00 PM
    • 2,357 Posts
    • 11,046 Thanks
    doingitanyway
    I am a fan of cauliflower rice. Once I blitz one it lasts a good few days in the fridge.

    I hope the BP results are good, but even if they are not there are lots of things you can do and you exercise and eat well so you will find a way to turn it around.
    JANUARY 2016/SECURED DEBT=24,822/December 2017=2,510
    MORTGAGE FREE 25/07/16
    • Seasidegal58
    • By Seasidegal58 10th Jan 18, 8:24 PM
    • 1,400 Posts
    • 8,128 Thanks
    Seasidegal58
    Hope the BP results turn out well Cumbria. I’m on medication for high BP - it began once I piled in the weight and stopped exercising regularly in my mid-40s. So that’s another good reason to diet and excercise. I’d love it if I could bin the pills eventually.
    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)
    • Cumbria lass
    • By Cumbria lass 10th Jan 18, 8:31 PM
    • 1,061 Posts
    • 5,820 Thanks
    Cumbria lass
    I am hoping it’s just white coat syndrome !
    Nov 2017 CC1 £3209 CC2 £400

    Debt Free Nov 2019: earlier if I have my way
    • Seasidegal58
    • By Seasidegal58 10th Jan 18, 8:52 PM
    • 1,400 Posts
    • 8,128 Thanks
    Seasidegal58
    Could well be! Here’s hoping!
    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)
    • redofromstart
    • By redofromstart 10th Jan 18, 8:58 PM
    • 834 Posts
    • 4,807 Thanks
    redofromstart
    I am hoping it’s just white coat syndrome !
    Originally posted by Cumbria lass

    I have that. Over the years I have mastered deep breathing in the waiting room, arrive early, don't take the boys. Wear something that is easy access so they can get the band on without hassle. Explain the WCS issue. Ask them to let you sit for a couple of minutes before they do it. Ask them not to talk to you before or during, and do the deep breathing all the way through. Don't talk or move. I can get mine from to normalish doing this now.
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 10th Jan 18, 9:04 PM
    • 2,800 Posts
    • 16,218 Thanks
    HairyHandofDartmoor
    Good luck with the blood pressure test Cumbria.

    I'm going to look for some cauliflower rice in Iceland on Saturday, as it sounds nice and I don't have a food processor .
    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 = £110.76/Loss of Income Fund £0
    • Cumbria lass
    • By Cumbria lass 10th Jan 18, 9:14 PM
    • 1,061 Posts
    • 5,820 Thanks
    Cumbria lass
    Iceland will be doing a fortune this weekend ! Refromstart that’s what I need to do deep breathing for 24 hours. What will be will be.
    Nov 2017 CC1 £3209 CC2 £400

    Debt Free Nov 2019: earlier if I have my way
    • beanielou
    • By beanielou 10th Jan 18, 9:33 PM
    • 49,430 Posts
    • 185,855 Thanks
    beanielou
    Hope BP tests go ok.
    Mine is low~~can be interesting
    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***
    • WannabeFree
    • By WannabeFree 10th Jan 18, 9:33 PM
    • 395 Posts
    • 5,577 Thanks
    WannabeFree
    Hope everything goes well tomorrow 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 10th Jan 18, 9:36 PM
    • 1,061 Posts
    • 5,820 Thanks
    Cumbria lass
    Thanks everyone , must remember to have a shower in the morning as can’t bathe tomorrow night !
    Nov 2017 CC1 £3209 CC2 £400

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 11th Jan 18, 8:50 PM
    • 1,061 Posts
    • 5,820 Thanks
    Cumbria lass
    Blood pressure monitor been on about 9 hrs now . It keeps catching me out , I forget it’s there.

    A bit of spending today .
    Petrol £35.62
    Waxing £11.00
    Car clean inside and out £10.

    All budgeted for so no surprises .
    Nov 2017 CC1 £3209 CC2 £400

    Debt Free Nov 2019: earlier if I have my way
    • redofromstart
    • By redofromstart 11th Jan 18, 9:31 PM
    • 834 Posts
    • 4,807 Thanks
    redofromstart
    Hope you sleep ok with it.
    • Poor_Single_lady
    • By Poor_Single_lady 12th Jan 18, 1:32 AM
    • 1,189 Posts
    • 4,609 Thanks
    Poor_Single_lady
    Hope the BP is all ok. You're doing the right thing by getting it all checked out. You always sound very sensible! A very good role model.
    I am learning from your good habits Cumbria. Hope you are sleeping well. xxx
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • Cumbria lass
    • By Cumbria lass 12th Jan 18, 7:39 AM
    • 1,061 Posts
    • 5,820 Thanks
    Cumbria lass
    Survived the night with the BP monitor but it was very disturbed. One more half hour then it can come off hallelujah.

    Have DGD for the day as normal and school run later , don’t think we will be doing much today as I am tired and DGD is under the weather.

    PSL I try to be sensible in most things in life but occasionally go off the rails.

    Hoping for a low spend day today , have a journey to make North later . Waking up in the lakes will be wonderful.

    That’s it .
    Nov 2017 CC1 £3209 CC2 £400

    Debt Free Nov 2019: earlier if I have my way
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 12th Jan 18, 7:46 AM
    • 2,800 Posts
    • 16,218 Thanks
    HairyHandofDartmoor
    I'm glad the bp monitor can come off soon. Have a lovely (quiet) day with DGD.

    I'm jealous of your weekend in the lakes .
    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 = £110.76/Loss of Income Fund £0
    • debtaghh
    • By debtaghh 12th Jan 18, 8:44 AM
    • 989 Posts
    • 2,867 Thanks
    debtaghh
    Lakes sound lovely, enjoy!
    Debt 16th October 2017: Cc £49,987- family £37,561: total debt £87549

    Current debt: Cc £48,233 , Family £ 37,042 total debt £85,275

    Frugal living challenge # 10- £8000 presents/ food/ entertainment/clothes/shoes/haircuts
    • WannabeFree
    • By WannabeFree 12th Jan 18, 9:34 AM
    • 395 Posts
    • 5,577 Thanks
    WannabeFree
    Have a lovely day 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 12th Jan 18, 12:44 PM
    • 1,061 Posts
    • 5,820 Thanks
    Cumbria lass
    Today was going to be a low spend day , but forgot my gym stuff is on its last legs. Went to matalan as I got a five pound off thing. Anyway long gym pants and top £15 pants in the sale and a fiver off £10. Now I need to keep to my plan NO MORE CLOTHES until Easter .

    Back home as DGD is very sleepy .
    Nov 2017 CC1 £3209 CC2 £400

    Debt Free Nov 2019: earlier if I have my way
    • Scott_Weiland
    • By Scott_Weiland 13th Jan 18, 4:30 AM
    • 733 Posts
    • 1,825 Thanks
    Scott_Weiland
    Ha ha re gym stuff i have became addicted to buying rugby stuff by Canterbury very expensive but lovely lol.
    A female friend kits herself out for the gym in Asda the quality of the stuff looks okay.

    How is the blood pressure are you still keeping an eye on it.
    Cashback Earnings YTD £8.25 Survey Earnings YTD £35.88
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