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  • FIRST POST
    • Cumbria lass
    • By Cumbria lass 1st Jan 17, 3:04 PM
    • 167Posts
    • 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 9
    • Cumbria lass
    • By Cumbria lass 3rd Apr 17, 7:17 PM
    • 167 Posts
    • 374 Thanks
    Cumbria lass
    Dotty I had the same idea , but sadly I failed so going to the gym near home and hope to go at least 3 times a week. I have missed my sessions and it's only been 3 weeks since I last went .

    Parsniphead thank you for your comments , my diary is helping me immensely stay focussed .
    April 2017 Cc. 1 4070 cc2 1320

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 3rd Apr 17, 7:19 PM
    • 167 Posts
    • 374 Thanks
    Cumbria lass
    Well it's only gone and happened , I am coming into money not lots but enough to pay off some of my smaller balance credit card.

    Will come in my may salary , yippee
    April 2017 Cc. 1 4070 cc2 1320

    Debt Free Nov 2019: earlier if I have my way
    • joeyjimbles
    • By joeyjimbles 4th Apr 17, 12:05 PM
    • 1,558 Posts
    • 7,426 Thanks
    joeyjimbles
    Lovely - and that will help you get even nearer your total debt free date. How nice that things like this happen when you were already doing something positive yourself.
    • Cumbria lass
    • By Cumbria lass 4th Apr 17, 9:44 PM
    • 167 Posts
    • 374 Thanks
    Cumbria lass
    Thank you for the lovely comment joeyjimbles . Yes I will look forward to updating DFD after May.

    Anyway spent 75p today on toast at work . Gym induction tonight at new place, it's not as posh as the last gym , but it does what it says on the tin, so I am happy, plus i save a whole £12 to go towards debt busting .
    April 2017 Cc. 1 4070 cc2 1320

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 5th Apr 17, 9:25 PM
    • 167 Posts
    • 374 Thanks
    Cumbria lass
    NSD today , very busy work day today .

    Plus flipping kids they never stop giving you grief even when they are adults .

    That's it .
    April 2017 Cc. 1 4070 cc2 1320

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 7th Apr 17, 7:49 PM
    • 167 Posts
    • 374 Thanks
    Cumbria lass
    Been to the cinema today with grandson so a spend of £11 including some treats. Free car parking.

    Have spent the afternoon decluttering , I now have bin bags everywhere , need a tip rin tomorow .

    That's it ��
    April 2017 Cc. 1 4070 cc2 1320

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 9th Apr 17, 7:51 AM
    • 167 Posts
    • 374 Thanks
    Cumbria lass
    Have had the biggest throw out ever. 3 tip runs , one more today. Charity shop visit and gave away and sold a couple of things.

    Feels brilliant , as I was getting rid of things it made me realise how much of it has been bought for no reason other than I wanted it at the time. Now I am only buying things I need .
    April 2017 Cc. 1 4070 cc2 1320

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 9th Apr 17, 10:22 PM
    • 167 Posts
    • 374 Thanks
    Cumbria lass
    Seem to be £25 short this month , I know why I need to transfer out of another pot.

    Shopping £27.32 in budget , but still seems way more than it needed to be.

    Seemed to have been a bit complacent this month, will get back on track soon.

    No credit cards used so a bonus.
    April 2017 Cc. 1 4070 cc2 1320

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 11th Apr 17, 9:58 PM
    • 167 Posts
    • 374 Thanks
    Cumbria lass
    It's finally happened , after not buying any new clothes for 4 months , I splashed out today on some new underwear. Total spend £48.54 . It was needed not wanted. I had £60 in my clothes pot , so have £12 left . Going to get some new vest tops for hols and that should be it.
    April 2017 Cc. 1 4070 cc2 1320

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 13th Apr 17, 6:23 AM
    • 167 Posts
    • 374 Thanks
    Cumbria lass
    Another spend on clothes for hols £12.95 in sainsburys sale , plus got the nectar points. That's the clothes pot spent.

    Felt guilty spending the money as I am afraid of spending money on anything but food and petrol these days. No C c bill though from buying so that is ok , isn't it ?
    April 2017 Cc. 1 4070 cc2 1320

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 14th Apr 17, 9:22 AM
    • 167 Posts
    • 374 Thanks
    Cumbria lass
    Four days to payday and I am hoping to get by on the small amount of money I have. Just done top up shop for Sunday lunch , have relatives coming . Only £6.21 so not so bad. Out tomorrow for lunch have £15 for this , but will be way cheaper . Nothing planned for Monday , hoping for a no spend day .
    April 2017 Cc. 1 4070 cc2 1320

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 16th Apr 17, 9:18 AM
    • 167 Posts
    • 374 Thanks
    Cumbria lass
    Free lunch yesterday courtesy of my lovely friend. Spent £3 on light bulbs.

    Note to self , don't book weekend away before going on holiday ! This months pay is being juggled as all guesswork on the spends, food and petrol front. The last month has been ok but hard work to stay in budget. Just used to getting the credit card out, still not used it though.

    Looking forward to normal budgeting in May and getting back to over payments . Two weeks today fly off to Cyprus, so need the break.

    Happy Easter everyone.
    April 2017 Cc. 1 4070 cc2 1320

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 16th Apr 17, 5:43 PM
    • 167 Posts
    • 374 Thanks
    Cumbria lass
    Lovely afternoon with the family. Received 100 Euros as a gift from parents , for my hols. That will make my budget this month a little easier.

    Full up now with roast dinner and chocolate ��
    April 2017 Cc. 1 4070 cc2 1320

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 17th Apr 17, 8:19 PM
    • 167 Posts
    • 374 Thanks
    Cumbria lass
    Haven't felt well today , so definitely NSD . Payday tomorrow .
    April 2017 Cc. 1 4070 cc2 1320

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 18th Apr 17, 6:04 AM
    • 167 Posts
    • 374 Thanks
    Cumbria lass
    Feeling better this morning, could have done with more sleep though. Payday today, just going to do all transfers. This month is going to very tough as I have a weekend away coming up . Then 10 day holiday abroad., so transfers are slightly different .

    Will see how we go. Back to work today .
    April 2017 Cc. 1 4070 cc2 1320

    Debt Free Nov 2019: earlier if I have my way
    • parsniphead
    • By parsniphead 18th Apr 17, 7:09 AM
    • 1,747 Posts
    • 11,570 Thanks
    parsniphead
    Enjoy payday.

    You have lots to look forward too.
    Gazelle Intense
    Pay off debt by Christmas 2017 #22 - £862.22/£7148.39 112.06%
    • Cumbria lass
    • By Cumbria lass 19th Apr 17, 6:28 AM
    • 167 Posts
    • 374 Thanks
    Cumbria lass
    Thank you parsniphead , payday was good. All pots look healthy again, yesterday and today are NSD . I am taking some money tomorrow in cash for the weekend. Accommodation is free as staying with friends. Filled up with petrol and may have to get more before the return journey . Fingers crossed budget goes ok.

    Work today though.
    April 2017 Cc. 1 4070 cc2 1320

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 20th Apr 17, 8:41 AM
    • 167 Posts
    • 374 Thanks
    Cumbria lass
    Off on weekend away today , leaving later in the day.

    Both cc payments gone across and will update signature shortly, but since starting this diary I have paid off £580 , which to some is a small amount but to me it is more than 10% . New total is £5390 .

    After holidays going to get back on more overpayments and try and get below the £5000. Nothing added to the debt , I have a very small emergency fund , but am living on my budget.
    April 2017 Cc. 1 4070 cc2 1320

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 23rd Apr 17, 5:16 PM
    • 167 Posts
    • 374 Thanks
    Cumbria lass
    Have enjoyed a fabulous long weekend away.

    Spending has been ok.

    £5.36 at service station for drink and sandwich!
    £25.90 afternoon tea gift for hosts.
    £3.49 sun tan lotion for upcoming holiday.
    £8.09 coffee stop and cake.
    £5.65 coffee stop
    £5.49 Pyjamas for present for child.

    Not so bad, plus didn't need to do an extra fill up with petrol either way. Will need petrol tomorrow though.

    7 days to hols .
    April 2017 Cc. 1 4070 cc2 1320

    Debt Free Nov 2019: earlier if I have my way
    • blue_eyed_girl123
    • By blue_eyed_girl123 23rd Apr 17, 5:28 PM
    • 14 Posts
    • 8 Thanks
    blue_eyed_girl123
    Our holiday is in 10 days but only for a week . Hope your budget manages to balance with the holiday and you have a really good time away
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