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  • FIRST POST
    • Cumbria lass
    • By Cumbria lass 1st Jan 17, 3:04 PM
    • 1,075Posts
    • 5,862Thanks
    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 50
    • 117pauline
    • By 117pauline 13th Jan 18, 8:41 AM
    • 525 Posts
    • 6,234 Thanks
    117pauline
    Have a lovely weekend in the Lakes

    Take care honey
    Pauline
    Don't get it perfect - Get it going
    Better Than Before
    • Seasidegal58
    • By Seasidegal58 13th Jan 18, 8:25 PM
    • 1,401 Posts
    • 8,136 Thanks
    Seasidegal58
    The BP monitors are a nightmare! When I had to wear one, every time it contracted I felt like my arm was in a vice! Still it’s certainly worth the bother.

    Hope you’re having a lovely time and the weather is favouring you.
    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 13th Jan 18, 8:36 PM
    • 4,963 Posts
    • 30,823 Thanks
    Sun Addict
    Hope you're having a great time Never been to the Lakes sadly, nearly did once but had to cancel because of snow.
    Virtual Sealed Pot 2018 £94.62
    Jan NSDs 4 Jan AFDs 6
    Weight loss 3/10LBS Emergency Fund £1685.31/£10,000
    April holiday £803.90/£803.90
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 13th Jan 18, 8:51 PM
    • 2,831 Posts
    • 16,381 Thanks
    HairyHandofDartmoor
    The Lakes are beautiful, I went once when I was 11 and have always wanted to go back .
    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 14th Jan 18, 7:25 PM
    • 1,075 Posts
    • 5,862 Thanks
    Cumbria lass
    What a whirliwind weekend , how did it get to Sunday evening. SSG 100% agree about BP monitor was so glad to take it back , but obviously worthwhile.

    Friday night drive North , tumbled into my king size bed and slept ok. Morning was visiting friend who hasn’t been well. After lunch at pub , went for an amble round the Lake. I never tire of the views whatever the weather . Grey , dry and cold it was. Dinner cooked for me by other friend , normally would stay over but had lots to do today , so I got home around 1.00am this morning.

    Mr A shopping, cleaning and all the ironing. Anyway all done ready for the week.

    Have minor surgery tomorrow afternoon , nothing sinister so should be ok after it.

    Going to pay another £30 off CC2 before payday on Thursday.
    Nov 2017 CC1 £3209 CC2 £308

    Debt Free Nov 2019: earlier if I have my way
    • Sun Addict
    • By Sun Addict 14th Jan 18, 7:47 PM
    • 4,963 Posts
    • 30,823 Thanks
    Sun Addict
    Hope the minor surgery goes well xx
    Virtual Sealed Pot 2018 £94.62
    Jan NSDs 4 Jan AFDs 6
    Weight loss 3/10LBS Emergency Fund £1685.31/£10,000
    April holiday £803.90/£803.90
    • WannabeFree
    • By WannabeFree 14th Jan 18, 7:59 PM
    • 395 Posts
    • 5,597 Thanks
    WannabeFree
    Glad you had a lovely time, hope tomorrow goes well x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • beanielou
    • By beanielou 14th Jan 18, 8:25 PM
    • 49,466 Posts
    • 186,004 Thanks
    beanielou
    Hope tomorrow goes well.
    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 14th Jan 18, 10:19 PM
    • 2,831 Posts
    • 16,381 Thanks
    HairyHandofDartmoor
    Sound like a lovely weekend . Good luck for tomorrow.
    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 14th Jan 18, 10:27 PM
    • 995 Posts
    • 2,877 Thanks
    debtaghh
    Hope it goes well x
    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
    • doingitanyway
    • By doingitanyway 14th Jan 18, 10:31 PM
    • 2,370 Posts
    • 11,115 Thanks
    doingitanyway
    Plan a nice treat for when the surgery is over.
    JANUARY 2016/SECURED DEBT=24,822/December 2017=2,510
    MORTGAGE FREE 25/07/16
    • Cumbria lass
    • By Cumbria lass 15th Jan 18, 6:27 AM
    • 1,075 Posts
    • 5,862 Thanks
    Cumbria lass
    DIA my friend is bringing dinner with her and haven’t seen her for ages so that’s my treat. Have paid the £30 left in food/shopping budget off CC2 balance now £315 .

    Had a terrible nights sleep , hope tonight is better.
    Nov 2017 CC1 £3209 CC2 £308

    Debt Free Nov 2019: earlier if I have my way
    • 117pauline
    • By 117pauline 15th Jan 18, 7:49 AM
    • 525 Posts
    • 6,234 Thanks
    117pauline
    Good morning

    Hope all goes well today and you enjoy your treat meal and catchup afterwards

    Take care honey
    Pauline
    Don't get it perfect - Get it going
    Better Than Before
    • Cumbria lass
    • By Cumbria lass 15th Jan 18, 8:08 PM
    • 1,075 Posts
    • 5,862 Thanks
    Cumbria lass
    I have had the minor surgery and the injection was the worst bit .

    Off to bed as the laryngitis has taken hold again .
    Nov 2017 CC1 £3209 CC2 £308

    Debt Free Nov 2019: earlier if I have my way
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 15th Jan 18, 8:11 PM
    • 2,831 Posts
    • 16,381 Thanks
    HairyHandofDartmoor
    I'm glad the surgery went well and is over, but sorry about the laryngitis .
    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 15th Jan 18, 8:26 PM
    • 1,075 Posts
    • 5,862 Thanks
    Cumbria lass
    All I talk about is illness , one thing after another it is .
    Nov 2017 CC1 £3209 CC2 £308

    Debt Free Nov 2019: earlier if I have my way
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 15th Jan 18, 8:28 PM
    • 2,831 Posts
    • 16,381 Thanks
    HairyHandofDartmoor
    You are going through it at the moment
    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
    • beanielou
    • By beanielou 15th Jan 18, 8:44 PM
    • 49,466 Posts
    • 186,004 Thanks
    beanielou
    I'm glad the surgery went well and is over, but sorry about the laryngitis .
    Originally posted by HairyHandofDartmoor
    From me 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***
    • redofromstart
    • By redofromstart 15th Jan 18, 8:51 PM
    • 844 Posts
    • 4,851 Thanks
    redofromstart
    Hope you feel better in the morning.
    • doingitanyway
    • By doingitanyway 15th Jan 18, 9:45 PM
    • 2,370 Posts
    • 11,115 Thanks
    doingitanyway
    All I talk about is illness , one thing after another it is .
    Originally posted by Cumbria lass
    Snap. I'm the same at the moment. It will all be over soon and you'll be back to fighting fit. Glad the op went well.
    JANUARY 2016/SECURED DEBT=24,822/December 2017=2,510
    MORTGAGE FREE 25/07/16
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