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  • FIRST POST
    • Cumbria lass
    • By Cumbria lass 1st Jan 17, 3:04 PM
    • 166Posts
    • 374Thanks
    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 8
    • boxofpaws
    • By boxofpaws 15th Mar 17, 6:29 PM
    • 352 Posts
    • 1,351 Thanks
    boxofpaws
    Accept a high five!
    Debt 03/01/17 = £42000
    Debt today = £36933
    • Cumbria lass
    • By Cumbria lass 17th Mar 17, 7:12 PM
    • 166 Posts
    • 374 Thanks
    Cumbria lass
    Hey it's weekend again. Out with friends last night for a curry, I took £20 the rest of my spends for the monthn and it cost me £17.60 the change paid the window cleaner . Grandson and I went trampolining today £5 including a sandwich and drink for him. I had nothing as no cash with me and they didn't accept cards under a fiver .

    Tomorrow I am off to stay with a friend in my favourite place Cumbria. Will cost me for petrol and lunch on Sunday we are going to a carvery.

    Will need my wet weather stuff definitely,
    April 2017 Cc. 1 4070 cc2 1320

    Debt Free Nov 2019: earlier if I have my way
    • dottydebts
    • By dottydebts 19th Mar 17, 5:20 PM
    • 71 Posts
    • 175 Thanks
    dottydebts
    I think days out and trips that you have saved and paid for yourself are deserved and needed! We work so hard watching every penny, we need something to enjoy!

    I hope you have had a good weekend!
    18.02.17 - £4,040.19 18.03.17 - £3686.19
    18.04.17 - TBA

    • Cumbria lass
    • By Cumbria lass 19th Mar 17, 8:46 PM
    • 166 Posts
    • 374 Thanks
    Cumbria lass
    Thanks Dotty had a good weekend. It was rather wet though , but the company was good.

    Payday tomorrow, so need to do transfers and update signature.

    Weekends go way too fast.
    April 2017 Cc. 1 4070 cc2 1320

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 19th Mar 17, 9:36 PM
    • 166 Posts
    • 374 Thanks
    Cumbria lass
    Salary already gone in, so have done all transfers.

    No credit card used for 3 months
    No new clothes bought since 9/12/16 .
    Meal plan done for week.

    Next month is going to be a speedy month, house insurance due and going on holiday for 10 days . Holiday and spends already paid for.
    Going to stay with friends for the weekend as well .

    Will be a big test to see if I can live within my means.
    April 2017 Cc. 1 4070 cc2 1320

    Debt Free Nov 2019: earlier if I have my way
    • boxofpaws
    • By boxofpaws 19th Mar 17, 9:39 PM
    • 352 Posts
    • 1,351 Thanks
    boxofpaws
    I know you can do it
    Debt 03/01/17 = £42000
    Debt today = £36933
    • Cumbria lass
    • By Cumbria lass 21st Mar 17, 9:07 PM
    • 166 Posts
    • 374 Thanks
    Cumbria lass
    Nothing much changed in 2 days since last post . 2 NSD , have a freezer full of food so meal plan this week created around that.

    All pots of money as they should be EF up to £151 now so growing slowly and steadily.

    Have achieved a work goal this week, I will only be working 4 days a week from April , doing 36 hours in 4 days instead . This is to help out with childcare for my grandchildren, look forward to it . I have been doing these hours unofficially for a while to trial the idea. This Friday will be my last yippee .
    April 2017 Cc. 1 4070 cc2 1320

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 22nd Mar 17, 6:37 AM
    • 166 Posts
    • 374 Thanks
    Cumbria lass
    My survey earnings are coming along very well. I hope to be able to use them towards Christmas presents. It takes time but I do them when I am having so me time.

    Won't make me a fortune but every penny helps.
    April 2017 Cc. 1 4070 cc2 1320

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 23rd Mar 17, 7:48 PM
    • 166 Posts
    • 374 Thanks
    Cumbria lass
    Today I had a work colleague ask me for help about money issues . I thought she was going to ask to borrow money , but in fact she told me in confidence that she was in some 16k of debt and needed to tell someone and she chose me.
    Why she thought I could help I have no idea, anyway help I did as best I could, directed her to step change website , and MSE of course. Tomorrow lunch we are doing an SOA!

    Never did I think I would be able to help anyone.

    It's my last time of working Friday tomorrow, can't wait to be on 4 days.

    Spent 75p on toast at work .
    April 2017 Cc. 1 4070 cc2 1320

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 24th Mar 17, 6:32 AM
    • 166 Posts
    • 374 Thanks
    Cumbria lass
    It's arrived finally , my last official Friday in work. Can't wait to start new work pattern.

    Hoping for NSD today.

    Have a good day everyone.
    April 2017 Cc. 1 4070 cc2 1320

    Debt Free Nov 2019: earlier if I have my way
    • Princess_nola1
    • By Princess_nola1 25th Mar 17, 4:39 AM
    • 154 Posts
    • 3,053 Thanks
    Princess_nola1
    Well done - you've come so far! And we'll done for helping your colleague. They must feel they can trust you. Keep going x
    When it's dark, look for stars. When it's raining look for rainbows.
    DFW - Tesco CC: £3149.71£0! Capital One CC: £2242.01£0! Overdraft: £283 £0!
    • boxofpaws
    • By boxofpaws 25th Mar 17, 8:59 AM
    • 352 Posts
    • 1,351 Thanks
    boxofpaws
    Happy Last Friday!
    Debt 03/01/17 = £42000
    Debt today = £36933
    • Cumbria lass
    • By Cumbria lass 26th Mar 17, 7:56 PM
    • 166 Posts
    • 374 Thanks
    Cumbria lass
    Oh dear , shopping went well over budget today due to running out of everything in the same week. Spent £39.42 instead of £30 but still in budget for the month so not so bad.

    Had a little spend with grandson at bakery £3.50 .

    Lovely weekend and Mothers Day.

    Have a next gift card , I can spend that without feeling guilty as it was my gift for Mother's Day .
    April 2017 Cc. 1 4070 cc2 1320

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 28th Mar 17, 6:31 AM
    • 166 Posts
    • 374 Thanks
    Cumbria lass
    Colleague has done SOA and is now getting help from StepChange with her debts , have left her with it now as she is slightly embarrassed at asking me for help. I have told her to read some diaries on here and she will see that she is not alone.

    On the money front slightly worried about next months budget , have to fund a weekend away and some more holiday spends , taxi to airport etc. My main holiday spends I have.

    Still have time to sort this out as hoping to have money left in shopping budget and spends , no nights out for the foreseeable. Easter is in the middle of this as well , will do spring cleaning at home instead of going out spending money !
    April 2017 Cc. 1 4070 cc2 1320

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 29th Mar 17, 8:22 PM
    • 166 Posts
    • 374 Thanks
    Cumbria lass
    Although payday isn't till the 18th April , I am spending sometime trying to sort out my budget for the next month . I don't want to be short after my holiday and weekend away. Would have normally used credit card for any shortfall but that's all in the past.

    Would rather stay in for a month than use a card !
    April 2017 Cc. 1 4070 cc2 1320

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 30th Mar 17, 6:33 AM
    • 166 Posts
    • 374 Thanks
    Cumbria lass
    Why did I worry , on checking finances I nearly forgot I have a holiday fund ! i will be using that to top up my spends if needed.

    Life is good !
    April 2017 Cc. 1 4070 cc2 1320

    Debt Free Nov 2019: earlier if I have my way
    • Bobarella
    • By Bobarella 31st Mar 17, 8:28 AM
    • 10,289 Posts
    • 65,977 Thanks
    Bobarella
    Sounds like all is going well Cumbria Lass
    "You're not rich until you have something money can't buy."

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £52.96 2016-£62.28 2015- £84.20)
    RYSAW17 £1530.02 2016 £2,535.16 2015 £1027.20
    • Cumbria lass
    • By Cumbria lass 2nd Apr 17, 4:37 PM
    • 166 Posts
    • 374 Thanks
    Cumbria lass
    Oh dear spending has gone awry.

    30/3/2017 Next spent £19 on 4 items of holiday clothing at outlet total bargains, paid for with gift card for Mother's Day.
    30/3/17 Snack during shopping £5.29
    31/03/17 soft play area £5.65 and lunch £9.00
    31/03/17 Halfords Car Seat for grandson £60
    01/04/17 Waxing £11
    01/04/17 Bakery £1.25
    02/04/17 Aldi shopping £22.26
    02/04/17 ice cream cones x4 £2
    02/04/17 Gym membership £25
    0204/17 Petrol £35.17
    Thankfully have used money from different pots, have had to dip into EF for car seat but it was on offer and was needed.
    Have changed gyms now and will be saving £12 per month.

    I will now have to really watch what I am spending and Easter will definitely have be a very low spend weekend.
    April 2017 Cc. 1 4070 cc2 1320

    Debt Free Nov 2019: earlier if I have my way
    • dottydebts
    • By dottydebts 2nd Apr 17, 8:03 PM
    • 71 Posts
    • 175 Thanks
    dottydebts
    Good news on the gym saving! I've recently cancelled mine, deciding now the weather is getting better I could get outside to exercise. So far, it hasn't happened once!
    18.02.17 - £4,040.19 18.03.17 - £3686.19
    18.04.17 - TBA

    • parsniphead
    • By parsniphead 2nd Apr 17, 9:54 PM
    • 1,746 Posts
    • 11,564 Thanks
    parsniphead
    What a lovely diary.

    Good luck on your journey cumbria lass.
    Gazelle Intense
    Pay off debt by Christmas 2017 #22 - £862.22/£7148.39 112.06%
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