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  • FIRST POST
    • Cumbria lass
    • By Cumbria lass 1st Jan 17, 3:04 PM
    • 1,372Posts
    • 7,851Thanks
    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 62
    • beanielou
    • By beanielou 13th Feb 18, 7:53 PM
    • 50,555 Posts
    • 193,423 Thanks
    beanielou
    So glad the physio was good.
    A good one is worth their weight in gold.
    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 13th Feb 18, 8:26 PM
    • 1,122 Posts
    • 6,828 Thanks
    redofromstart
    Glad the physio helped!
    • Seasidegal58
    • By Seasidegal58 13th Feb 18, 10:22 PM
    • 1,582 Posts
    • 9,424 Thanks
    Seasidegal58
    All sounding good with the physio - the group on deal was great! And so pleased to hear that awful laryngitis has just about gone - you must be so relieved.

    Australia fund is on the up as well!. Re credit card. I keep a cash back Amex one and put everything on that and always pay back at end of month like Martin advises. Iíve got a back up M&S card as well for purchases in their store and also for the places I canít use the Amex card. Pays quarterly in M&S vouchers.
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    My diary: ďPaid off the £31,0000! BUT- still scrimping!Ē
    • doingitanyway
    • By doingitanyway 14th Feb 18, 8:21 AM
    • 2,528 Posts
    • 12,048 Thanks
    doingitanyway
    Yay for the physio and squirrelling money into the Oz fund is excellent too
    JANUARY 2016/SECURED DEBT=24,822/February 2018=1,670
    MORTGAGE FREE 25/07/16
    • Cumbria lass
    • By Cumbria lass 15th Feb 18, 8:01 AM
    • 1,372 Posts
    • 7,851 Thanks
    Cumbria lass
    Back is feeling better today , not saying anything else about my health as I don't want to jinx myself.

    I am 92 points of a Yov Gov payout which will go in Oz fund. I am putting £100 towards it this pay month as well , as my DD to MBNA doesn't come out until March payday. The rest is going in EF for the moment I think that's about £75. I need some more travel insurance but am waiting on test results before I organise that.

    Getting a little institutionalised , not getting dressed and just watching tv all day. This isn't good for me personally so I am going out with my parents this morning .

    That's it for now .
    Jan 2018 CC1 £3099 CC2 £220

    Debt Free Nov 2019: earlier if I have my way
    • Scott_Weiland
    • By Scott_Weiland 15th Feb 18, 10:09 AM
    • 782 Posts
    • 1,952 Thanks
    Scott_Weiland
    re your back buy some pilates bands there about ten quid on argos then watch pilates vids on lower back strengthing on youtube it helps

    I have shoulder and neck issues and back due to a motorbike accident in the past, I use the bands for improving shoulder flexibility they do help. I do a desk job 9hours a night then sit on a bus 2-3hours so it helps me.
    Last edited by Scott_Weiland; 15-02-2018 at 10:21 AM.
    Cashback Earnings YTD £33.31 Survey Earnings YTD £177.66
    "Always always train, be the best version of you that you can physically be"
    • Cumbria lass
    • By Cumbria lass 15th Feb 18, 1:10 PM
    • 1,372 Posts
    • 7,851 Thanks
    Cumbria lass
    That's a great idea Scott , my mum has some spare bands will get them .
    Jan 2018 CC1 £3099 CC2 £220

    Debt Free Nov 2019: earlier if I have my way
    • Sun Addict
    • By Sun Addict 15th Feb 18, 2:13 PM
    • 5,218 Posts
    • 33,142 Thanks
    Sun Addict
    Glad the physio helped and you can claim the cost back
    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
    • Cumbria lass
    • By Cumbria lass 15th Feb 18, 2:25 PM
    • 1,372 Posts
    • 7,851 Thanks
    Cumbria lass
    Having a good day , taken parents on errands. Friend popped in for a drink and chat. Back feeling much better moving about.

    Changed my bedding , had a little walk in the sun, even though it's freezing.

    Spent £7 in the local MrS bought some GF cake . More junk food !
    Jan 2018 CC1 £3099 CC2 £220

    Debt Free Nov 2019: earlier if I have my way
    • doingitanyway
    • By doingitanyway 15th Feb 18, 6:52 PM
    • 2,528 Posts
    • 12,048 Thanks
    doingitanyway
    You are on the up Cumbria Lass. Keep going. The junk will stop when you are feeling better. I've just binned all the junk in my house in a bid to get back on track...
    JANUARY 2016/SECURED DEBT=24,822/February 2018=1,670
    MORTGAGE FREE 25/07/16
    • beanielou
    • By beanielou 16th Feb 18, 4:40 PM
    • 50,555 Posts
    • 193,423 Thanks
    beanielou
    Good news on You Gov.
    I do wonder if I will ever get there!
    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***
    • Lilith1980
    • By Lilith1980 17th Feb 18, 7:52 AM
    • 1,609 Posts
    • 4,203 Thanks
    Lilith1980
    I'm with You Gov too and I think it's going to take me about a year to get to a payout!
    My debt-free diary
    • Seasidegal58
    • By Seasidegal58 17th Feb 18, 6:27 PM
    • 1,582 Posts
    • 9,424 Thanks
    Seasidegal58
    Itís great that you are feeling so much better and getting out and about again.

    Iím still not at halfway till payout with YouGov - I feel like Iíve been doing their surveys forever!

    Have a good weekend!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    My diary: ďPaid off the £31,0000! BUT- still scrimping!Ē
    • Cumbria lass
    • By Cumbria lass 18th Feb 18, 8:32 AM
    • 1,372 Posts
    • 7,851 Thanks
    Cumbria lass
    Yesterday was a bit of a washout for me, I woke up with horrendous headache, I managed to get up in time for my liver scan , the sonography lady said there was nothing on the scan to be worried about , plus my blood tests for the liver function have come back ok as well, so all good there.

    I am at the doctors Monday to see if I can go back to work but I suspect that I will be going in on Wednesday .

    News from work would suggest that I am getting a £500 pay rise minimum but I have also been told that my grade has had some more points to it and my next step up would be another £1100 , so will need to see when I get back . Anyway £500 is better than nothing.

    Today is all about hoovering, ironing , shopping . Getting budget done as today is payday.

    My back is still playing up , but have physio on Tuesday evening.
    Jan 2018 CC1 £3099 CC2 £220

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 18th Feb 18, 8:33 AM
    • 1,372 Posts
    • 7,851 Thanks
    Cumbria lass
    £500 per year not month , if it was monthly I would be dancing .
    Jan 2018 CC1 £3099 CC2 £220

    Debt Free Nov 2019: earlier if I have my way
    • debtaghh
    • By debtaghh 18th Feb 18, 8:37 AM
    • 1,103 Posts
    • 3,334 Thanks
    debtaghh
    Glad your results are all ok.

    I did wonder £500 per month or year!
    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
    • doingitanyway
    • By doingitanyway 18th Feb 18, 9:57 AM
    • 2,528 Posts
    • 12,048 Thanks
    doingitanyway
    Good news on the pay increase at whatever level.

    Sorry about the headache but at least you are being thoroughly checked out.

    Have a relaxing Sunday
    JANUARY 2016/SECURED DEBT=24,822/February 2018=1,670
    MORTGAGE FREE 25/07/16
    • boxofpaws
    • By boxofpaws 18th Feb 18, 10:11 AM
    • 443 Posts
    • 1,863 Thanks
    boxofpaws
    Good news on the liver scan, even if you were having a pooey day.

    Some people don't get pay rises, so £500 is good going.

    Happy Sunday

    Paws
    Debt 03/01/17 = £42000
    Debt today = £27,819.22
    • Cumbria lass
    • By Cumbria lass 18th Feb 18, 4:28 PM
    • 1,372 Posts
    • 7,851 Thanks
    Cumbria lass
    Today I have:

    Dusted and hoovered flat
    Cleaned bathroom
    Done my shopping
    Small ironing pile cleared
    Made some veg soup with pack from Aldi 79p and added some GF coloured pasta bought in Spain and gifted to bulk it up.
    Have done Feb budget
    Updated spending diary
    Saved another £150 towards Oz spends.

    I just need to prepare my lunch for work tomorrow.

    Looking in my freezer and cupboards I think this weeks menu plan is soup every evening.

    I have butternut squash soup , the soup I have just made and some carrot and coriander. Good job I like it.

    Have phoned my friend and arranged a Saturday afternoon trip to the cinema in a couple of weeks .

    All this makes me think I am on the better side of the horrible virus that has lasted nearly 10 weeks .

    Spends today:

    Petrol £39.70
    Mr A £21.91
    Wilko £10 .

    I need to be careful with food budget this month as there are 4 weeks for me this pay month but 5 next so I am going to try and do the 5 this month .

    I looked under my sink today , I found 5 bottles of washing up liquid , 2 of bleach. One toilet cleaner . Furniture polish a full one. 3 x hand wash . Then other cleaning stuff for windows , zoflora .i can safely say I don't need to buy anything for a while.

    Best get on , need to wash up.
    Jan 2018 CC1 £3099 CC2 £220

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 18th Feb 18, 4:30 PM
    • 1,372 Posts
    • 7,851 Thanks
    Cumbria lass
    I need to update my signature and make a small payment to my MBNA card. The DD doesn't start until March so this is the money I am saving this month for OZ spends. When I get my pay rise I am going to reevaluate my budget .
    Jan 2018 CC1 £3099 CC2 £220

    Debt Free Nov 2019: earlier if I have my way
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