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  • FIRST POST
    • Cumbria lass
    • By Cumbria lass 1st Jan 17, 3:04 PM
    • 1,361Posts
    • 7,770Thanks
    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 58
    • Cumbria lass
    • By Cumbria lass 7th Feb 18, 3:44 PM
    • 1,361 Posts
    • 7,770 Thanks
    Cumbria lass
    Today!!!8217;s visit to the doctor ended up with a trip to the hospital for another scan and more blood tests on Friday. I am now on more antibiotics as the hospital forgot to give me them when I was discharged .

    Anyway another £8.60 spend . It is expensive to be ill.

    Roll on summer and warmth. Today has been beautiful but by heck it has been chilly.
    Jan 2018 CC1 £3099 CC2 £220

    Debt Free Nov 2019: earlier if I have my way
    • EssexHebridean
    • By EssexHebridean 7th Feb 18, 3:45 PM
    • 8,479 Posts
    • 45,252 Thanks
    EssexHebridean
    Woo excellent to see the diaries back - SO pleased for you!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£842.87 (12/02/18)
    SOA Calculator for DFW newbies: Stoozing.com SOA Calculator
    • Cumbria lass
    • By Cumbria lass 7th Feb 18, 3:46 PM
    • 1,361 Posts
    • 7,770 Thanks
    Cumbria lass
    Thanks EH.

    Joeyjimbles , I think of you often when I see the Lakeland fells full of snow .
    Jan 2018 CC1 £3099 CC2 £220

    Debt Free Nov 2019: earlier if I have my way
    • enthusiasticsaver
    • By enthusiasticsaver 7th Feb 18, 3:47 PM
    • 5,661 Posts
    • 11,195 Thanks
    enthusiasticsaver
    Goodness poor you with all these hospital visits and tests. Stay tucked up in the warm. Can you get someone to do some shopping etc for you to save you going out in the cold? It is really chilly down here even in Cornwall
    Debt free and mortgage free and early retiree. Living the dream

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com
    • 117pauline
    • By 117pauline 7th Feb 18, 3:50 PM
    • 591 Posts
    • 6,856 Thanks
    117pauline
    That's not good news.

    Would it be worth you getting a prepayment certificate for a while? You can get one for three months for 29 pounds plus pennies.

    Great to see you back with your original diary. I bet you are pleased.

    Keep warm and look after yourself
    Pauline
    Don't get it perfect - Get it going
    Better Than Before
    • Cumbria lass
    • By Cumbria lass 7th Feb 18, 3:51 PM
    • 1,361 Posts
    • 7,770 Thanks
    Cumbria lass
    My children will do shopping ES , but I live 400 yards from the doctors , and another 800 yards to the hospital. I was well wrapped up though . The chemist is in the hospital , I am very lucky .
    Jan 2018 CC1 £3099 CC2 £220

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 7th Feb 18, 3:55 PM
    • 1,361 Posts
    • 7,770 Thanks
    Cumbria lass
    The doctors are pretty sure my lungs are ok , they are covering all eventualities with the antibiotics. I hope not to need anymore medication . The lung specialist in London who I see once a year will look at my scans and decide if I need any further help.

    Apart from still only having about 75% of my voice and coughing incessantly at night I dont feel so bad.
    Jan 2018 CC1 £3099 CC2 £220

    Debt Free Nov 2019: earlier if I have my way
    • beanielou
    • By beanielou 7th Feb 18, 5:23 PM
    • 50,499 Posts
    • 192,995 Thanks
    beanielou
    Great news on your diary.
    Not such good news on being poorly.
    Take care xx
    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***
    • debtaghh
    • By debtaghh 7th Feb 18, 5:51 PM
    • 1,096 Posts
    • 3,331 Thanks
    debtaghh
    Hope you start to feel better soon.
    Debt 16th October 2017: Cc £49,987- family £37,561: total debt £87549

    Current debt: Cc £46,325 , Family £ 36,922 total debt £83,317

    Frugal living challenge # 10- £8000 presents/ food/ entertainment/clothes/shoes/haircuts
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 7th Feb 18, 6:22 PM
    • 3,375 Posts
    • 21,342 Thanks
    HairyHandofDartmoor
    to another hospital visit, but glad they think it's nothing serious

    You've really been through it with your health recently .
    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 = £0/Loss of Income Fund £0
    • LadyP01
    • By LadyP01 7th Feb 18, 7:28 PM
    • 119 Posts
    • 353 Thanks
    LadyP01
    Hey Cumbria lass
    Hope you got on with everything ok today and your cough was better.

    I got so confused when I came to your diary but all makes sense now Iím glad your diary is back Iíll try and read it all when I get time
    • Cumbria lass
    • By Cumbria lass 7th Feb 18, 7:38 PM
    • 1,361 Posts
    • 7,770 Thanks
    Cumbria lass
    Thank you Lady PO1, I have had laryngitis for about 8 weeks and a cough. It cleared up once over Christmas, but came back beginning of jan. I have been in and out of work trying to work with no voice. I have an underlying lung condition that doesn't cause me a problem but every now and then I have breathing problems , which is what happened last weekend , hence stay in hospital.

    I don't do,illnesss well , no patience and am eager to be better , sooner rather than later .
    Jan 2018 CC1 £3099 CC2 £220

    Debt Free Nov 2019: earlier if I have my way
    • Treadingonplaymobil
    • By Treadingonplaymobil 7th Feb 18, 7:49 PM
    • 1,278 Posts
    • 12,515 Thanks
    Treadingonplaymobil
    Hope you continue to mend, and yay on the reinstatement of your diary!!
    £67,031.92 is a frightening number indeed... The debt free diary of one family and their enormous debt
    LBM debt on 12th Feb 2017/DFD: £58,608.13/1st Dec 2026
    debt on 4th Jan 2018: £35,536.09/July 2026

    Mortgage = £193,995
    • Sun Addict
    • By Sun Addict 7th Feb 18, 10:02 PM
    • 5,213 Posts
    • 32,944 Thanks
    Sun Addict
    Glad your diary is back but very sorry to hear you've been so poorly Hope you'll be up and running again soon xx
    Virtual Sealed Pot 2018 £153.08
    Jan NSDs 4 Feb AFDs 1
    Weight loss 4/10LBS Emergency Fund £2000/£10,000
    April holiday £0/£900
    Dining room fund £150
    • doingitanyway
    • By doingitanyway 7th Feb 18, 10:06 PM
    • 2,511 Posts
    • 11,972 Thanks
    doingitanyway
    I hadn't realised you had been in hospital. Sorry to hear that. Try and take it easy so you get back to full strength sooner
    JANUARY 2016/SECURED DEBT=24,822/February 2018=1,670
    MORTGAGE FREE 25/07/16
    • Lilith1980
    • By Lilith1980 8th Feb 18, 5:33 AM
    • 1,603 Posts
    • 4,157 Thanks
    Lilith1980
    Glad you're looking after yourself and great news about your returning diary
    My debt-free diary
    • Purplemumof2
    • By Purplemumof2 8th Feb 18, 10:22 AM
    • 5,804 Posts
    • 21,546 Thanks
    Purplemumof2
    Morning,

    Yay to your diary coming back.

    Hope you feel better soon x
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £6750.00 Cap 1: £456.79 BC: £8800.00
    AFD 3/14 NSD 3/14 LTW 6/14
    POAMAYC 2018 #041 PD £1194.42/£4000
    Savings for Christmas £60.84/£365
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • Cumbria lass
    • By Cumbria lass 8th Feb 18, 3:24 PM
    • 1,361 Posts
    • 7,770 Thanks
    Cumbria lass
    Yes I am pleased diary is back as well.

    BT is going through ok , I got the PIN number today , which has been destroyed , once the card comes that will go the same way.

    I will also close the other 2 cards I had., when I get the final statements . I am going to ask for the £110 back I paid extra on the card.

    Have paid the bill for airfare, used the cc I have kept so that is gone. Now just need to see when the new bill needs paying.

    Birthday present bought this month from the Christmas/birthday fund.

    I am going to have money left from petrol and entertainment budget this month , this is going towards my spending money for Australia this month .

    I slept for a while last night , so am grateful for that.
    Jan 2018 CC1 £3099 CC2 £220

    Debt Free Nov 2019: earlier if I have my way
    • beanielou
    • By beanielou 8th Feb 18, 3:32 PM
    • 50,499 Posts
    • 192,995 Thanks
    beanielou
    That is all sounding good.
    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***
    • doingitanyway
    • By doingitanyway 8th Feb 18, 5:40 PM
    • 2,511 Posts
    • 11,972 Thanks
    doingitanyway
    Yay for a good night's sleep
    JANUARY 2016/SECURED DEBT=24,822/February 2018=1,670
    MORTGAGE FREE 25/07/16
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