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  • FIRST POST
    • poohbear59
    • By poohbear59 8th Mar 17, 9:32 PM
    • 4,771Posts
    • 55,162Thanks
    poohbear59
    No more borrowing from Peter to pay Paul.
    • #1
    • 8th Mar 17, 9:32 PM
    No more borrowing from Peter to pay Paul. 8th Mar 17 at 9:32 PM
    My husband and I today decided that we are going to tackle a new debt head on. Earlier this year we had an unexpected expense which we had to pay with a credit builder credit card. We have had the card for over a year and the interest rate has reduced. The interest rate is 34.9%. And our debt is £4650. More than we both realised.

    After paying off a huge amount of debt in the last five years I feel ashamed to have accrued this new debt so quickly. But that makes me all the more determined to pay it off as soon as possible.

    I made a mistake in accepting a deal with Wowcher to sell our holiday cottage over the winter. It has been a nightmare and has left us about £3000 out of pocket. Because of this I used personal credit to pay business debt. It has been a steep learning curve. And a mistake I won't be making again.

    So the plan is to sell unwanted and unused items from around the house first, or at least to get them listed online. Next is to find free things to do. Cut fuel costs, both in the house and the car.

    I am going to go through all of our direct debits and weed out those insurance payments etc. that we really don't need. Today I found one for Cumbria wildlife. Sorry but that one is going.

    Tomorrow is a new day.
    Grocery challenge £75/£250 business mortgage £13798))''(+ Barclay's business kitchen loan £7116=Total of £20914, 69% paid off was £68105 Weight to lose 42lbs 0 to go!! PPI claimed and received £11117 Save 12k in 2017no 116. £0/5000
    'I had a black dog, his name was depression".
Page 1
    • beanielou
    • By beanielou 8th Mar 17, 9:38 PM
    • 46,590 Posts
    • 165,726 Thanks
    beanielou
    • #2
    • 8th Mar 17, 9:38 PM
    • #2
    • 8th Mar 17, 9:38 PM
    Happy shiny new diary
    Tomorrow is indeed a new day.
    Keep plodding my friend 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***
    • Bobarella
    • By Bobarella 8th Mar 17, 10:23 PM
    • 10,444 Posts
    • 69,021 Thanks
    Bobarella
    • #3
    • 8th Mar 17, 10:23 PM
    • #3
    • 8th Mar 17, 10:23 PM
    Good luck with it all Pooh.
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
    • Knit Witch
    • By Knit Witch 8th Mar 17, 10:56 PM
    • 2,966 Posts
    • 27,633 Thanks
    Knit Witch
    • #4
    • 8th Mar 17, 10:56 PM
    • #4
    • 8th Mar 17, 10:56 PM
    Best of luck Pooh!
    OS Weight Loss 4.5/10
    • poohbear59
    • By poohbear59 9th Mar 17, 2:47 PM
    • 4,771 Posts
    • 55,162 Thanks
    poohbear59
    • #5
    • 9th Mar 17, 2:47 PM
    • #5
    • 9th Mar 17, 2:47 PM
    Today I have made a pledge to carry out at least two money saving actions each day. I have been here before so I know what I have to do.

    So, I have;
    Cancelled the £5 a month payment to Cumbria wildlife.
    Reduced one insurance policy by £19 per year.
    Negotiated three electrical policies onto one so reduced by £7 per month
    Booked car into local guy for new brakes as main dealer is nearly three times the price.

    £12 per month saving so far...

    ETA listed an item on ebay
    Last edited by poohbear59; 09-03-2017 at 2:51 PM.
    Grocery challenge £75/£250 business mortgage £13798))''(+ Barclay's business kitchen loan £7116=Total of £20914, 69% paid off was £68105 Weight to lose 42lbs 0 to go!! PPI claimed and received £11117 Save 12k in 2017no 116. £0/5000
    'I had a black dog, his name was depression".
    • beanielou
    • By beanielou 9th Mar 17, 9:24 PM
    • 46,590 Posts
    • 165,726 Thanks
    beanielou
    • #6
    • 9th Mar 17, 9:24 PM
    • #6
    • 9th Mar 17, 9:24 PM
    Great start
    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***
    • SkintTeacher
    • By SkintTeacher 9th Mar 17, 9:29 PM
    • 323 Posts
    • 1,867 Thanks
    SkintTeacher
    • #7
    • 9th Mar 17, 9:29 PM
    • #7
    • 9th Mar 17, 9:29 PM
    Great stuff! You can do it x
    • brizzledfw
    • By brizzledfw 9th Mar 17, 11:23 PM
    • 6,953 Posts
    • 33,400 Thanks
    brizzledfw
    • #8
    • 9th Mar 17, 11:23 PM
    • #8
    • 9th Mar 17, 11:23 PM
    Go pooh go
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    July '17 Savings Rate Goal: 33% [June 30%]
    Declutter 100 items before 31.07.17 02/100 ** LSDs Target 10 for July 02/10 **AFDs 19/25 ** Sales Target '17 £750 £140 so far
    **NSDs Target 5 for July 03/05 Trying to be a Frugalista
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 10th Mar 17, 3:43 AM
    • 8,032 Posts
    • 44,238 Thanks
    please-let-me-be-lucky
    • #9
    • 10th Mar 17, 3:43 AM
    • #9
    • 10th Mar 17, 3:43 AM
    Great start Pooh. Not good about Wowcher leaving you out of pocket . Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in July - 2/5
    • poohbear59
    • By poohbear59 10th Mar 17, 4:36 PM
    • 4,771 Posts
    • 55,162 Thanks
    poohbear59
    Great start Pooh. Not good about Wowcher leaving you out of pocket . Xx
    Originally posted by please-let-me-be-lucky
    I know , pure robbery and also contravening trading standards laws too. But that is another story....


    Today our car was serviced by a mains dealer. We took out an monthly plan when I lost my motability car. I asked them to do nothing extra today, just the service. We already knew the brakes need new pads and discs. The main dealer quoted £250 but a local man is doing it for us for £125, proper garage which we trust completely. Other job that needed doing was a new rear wiper. We went to local motor factors and got it for £8, not sure how much that saved us.

    Next we went to the cobblers to get my favourite boots repaired. New ones from Clarks are £150 for similar ones so the £15 I paid to have them reheeled and the sole stuck back on is a bargain.

    Mr P is staying in to save money. He always goes out on a Friday night. He doesn't go out for long but spends maybe £20 on a Friday. As a treat for the weekend he has a bottle of red wine and I have a bottle of slimline tonic.

    Apart from buying some chicken breasts and chopped tomatoes we haven't spent on food this week and are planning all our meals around what we have here in cupboards and the freezers. I am going to rejoin the grocery challenge, today.

    I rang Sky and got our subscription reduced by £30 and will also remove some of the extras as soon as weather improves. We do like to hunker down with a movie on winter evenings. Looking into other movie options, we tried prime a while ago,but weren't so keen on the range of movies available to us.


    I feel as though I am on a roll....and enjoying being back.
    Grocery challenge £75/£250 business mortgage £13798))''(+ Barclay's business kitchen loan £7116=Total of £20914, 69% paid off was £68105 Weight to lose 42lbs 0 to go!! PPI claimed and received £11117 Save 12k in 2017no 116. £0/5000
    'I had a black dog, his name was depression".
    • Verbatim
    • By Verbatim 11th Mar 17, 2:55 PM
    • 4,460 Posts
    • 12,808 Thanks
    Verbatim
    Well fone Poih. You certainly seem to be on a roll!
    CCs @0% £24k Dec 05 £19,621.41 Au £13400 S 12600 Oct £11,981 £9481 £7500 Nov £7250 D £7100 Jan 6950 F £5800 Mar£5400 May £4830 June £4660 July £4460 Aug £3200, S £900, £0 18/9/07 DFW Nerd 042
    • poohbear59
    • By poohbear59 12th Mar 17, 2:09 PM
    • 4,771 Posts
    • 55,162 Thanks
    poohbear59
    Yesterday I spent £1 on raffle tickets and £1 in church collection. Mr p had a NSD.

    Today I have made dinner from scraps of vegetables left in the fridgeand a topside joint from the freezer. Then I found some carrots in the garden so have put them in slow cooker with meat. I have loads of eggs so will make Yorkshire puddings for the men.

    I also totted up the Euros we have and am going to exchange them for pounds later as DSIL is going to Germany tomorrow. It will give us about £20 for the rest of the week. Trying to spend as little as possible but we will need milk and bread.
    Grocery challenge £75/£250 business mortgage £13798))''(+ Barclay's business kitchen loan £7116=Total of £20914, 69% paid off was £68105 Weight to lose 42lbs 0 to go!! PPI claimed and received £11117 Save 12k in 2017no 116. £0/5000
    'I had a black dog, his name was depression".
    • Bobarella
    • By Bobarella 12th Mar 17, 11:51 PM
    • 10,444 Posts
    • 69,021 Thanks
    Bobarella
    Dinner sounded great!
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
    • Bubblesmum
    • By Bubblesmum 13th Mar 17, 5:28 PM
    • 1,054 Posts
    • 6,065 Thanks
    Bubblesmum
    Pooh - your an inspiration...

    Do you remember the feeling when you cleared your debt before? Can you bottle it, for days when life is more challenging.

    Can you go to the small claims court with Wowcher?

    I will read on with great interest, and to motivate me to do One money saving action a day
    Mrs B Debt £1857 @ 13/06/2017, £1790 16/06/2017
    • rubyjam
    • By rubyjam 13th Mar 17, 11:38 PM
    • 75 Posts
    • 344 Thanks
    rubyjam
    Poo, good luck with your new shiny diary and debt busting plans. I used to read your dairy and I'm delighted to find you again. I remember you were saving up to go to USA. I'm sure it won't be long before you are back on track once again and look forward your updates. I was in big debt and your dairy always gave me great inspiration and made me realise that I could feed my family without spending much money at all. I now have chickens, a vegie patch and batch cook everything and I've got you to thank for that.
    • Verbatim
    • By Verbatim 14th Mar 17, 8:00 AM
    • 4,460 Posts
    • 12,808 Thanks
    Verbatim
    What a lovely posr rubyjam!
    Hope you're doing OK Pooh? As beanie would say keep plodding
    CCs @0% £24k Dec 05 £19,621.41 Au £13400 S 12600 Oct £11,981 £9481 £7500 Nov £7250 D £7100 Jan 6950 F £5800 Mar£5400 May £4830 June £4660 July £4460 Aug £3200, S £900, £0 18/9/07 DFW Nerd 042
    • poohbear59
    • By poohbear59 14th Mar 17, 8:41 AM
    • 4,771 Posts
    • 55,162 Thanks
    poohbear59
    Thank you for your lovely posts bubblesmum and rubyjam. Gosh were you reading my posts when I had all the men at home and we really did live on a shoestring.

    Life got easier and I got a bit less careful with money but we can do it....Thank you for the encouragement. I am really pleased that I helped someone else. Thank you.

    I am doing okay Verbatim. Thank you for asking..

    Yesterday Mr P and I had to clean the cottage so I didnt think I did any moneysaving.

    Luckily, it was left immaculate by previous occupants. So we managed to do what we needed, two decrepit old people together. �� Him with his bad shoulder and me with my bad back hip etc. That was how we both felt yesterday ad we didnt have DD to clean for us.

    We then had a meeting with DS2's support worker and the benefits advisor from a great local charity about DS2's appeal about his benefits being stopped. If you have seen I Daniel Blake you will know how true to life it is.

    I went to Co-op for a few bits, mainly milk and bread but found a bag of pears for 35p and also some hot cross buns for 50p for 6. They weren't on my list but I thought they might encourage DS2 to eat.

    DSIL did me a deal for my Euros. It was €25 so he gave me £21 ��Which paid for shopping and we still have cash leftover for the rest of the week..


    Later I went to WI where I spent £1 on the raffle. I didn't win ��. And £2 on a pashmina to use as a light throw in the cottage.

    I also found a local lady who can wash and dry the cottage superking duvet for £10. It definitely won't fit in either of our machines. So I dropped it off to get. The post office acts as agents for someone who charges £25. So £10 saved.

    In total £6.97 spent yesterday.

    Today I am going to visit credit union to see how much I have in there. I started saving again when we got home from USA. I thought I might throw that at the credit card but I am tempted to leave some for emergencies. It is only 2 or 3 hundred. But better than nothing. I get to spend almost two hours in the car with DD and DGS ☺Makes me happy.

    A customer who is late paying us for a cottage stay needs chasing as payment is almost a week late. It may be an oversight.

    Today I hope to find cheaper home and cottage insurance....
    Grocery challenge £75/£250 business mortgage £13798))''(+ Barclay's business kitchen loan £7116=Total of £20914, 69% paid off was £68105 Weight to lose 42lbs 0 to go!! PPI claimed and received £11117 Save 12k in 2017no 116. £0/5000
    'I had a black dog, his name was depression".
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 14th Mar 17, 9:24 AM
    • 8,032 Posts
    • 44,238 Thanks
    please-let-me-be-lucky
    Sounds like a very productive day yesterday Pooh Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in July - 2/5
    • beanielou
    • By beanielou 14th Mar 17, 6:35 PM
    • 46,590 Posts
    • 165,726 Thanks
    beanielou
    Hope the would be renter paid up.

    Keep plodding
    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***
    • poohbear59
    • By poohbear59 17th Mar 17, 9:19 PM
    • 4,771 Posts
    • 55,162 Thanks
    poohbear59
    Beanie, they have part paid, a week late.

    I seem to have lost some posts. Probably got distracted and forgot to send...

    Trying to remember what I have done... On Tuesday I bought some groceries at Mr S with £17 from my Nectar card. I needed to as cottage person still hadn't paid anything and I was determined to keep to my promise and not touch the credit card. I haven't cut it up yet as I might need it for an emergency.

    Still working on home and cottage insurance. I am hoping to get some more quotes tomorrow. I cancelled the online accounting system with the bank and managed to access the same software through the accountants for a quarter of the cost. It is now £8 per month. Now I need someone who knows how to use it to input our data. Then accountancy costs will be massively reduced each year.

    It was cottage changeover today. DSIL came over to clean for us. I did some easy bits like made tea and coffee for the workers, but then had asthma attack, have been to doctors and have steroids to take for a few days.

    Yesterday I went to SW, and I only spent £1 on the raffle as I don't pay now I am at target.

    Mr P has been very sensible and only spent on tobacco.

    I will work out a cash flow for the month and then will know what I can throw at the credit card.
    Grocery challenge £75/£250 business mortgage £13798))''(+ Barclay's business kitchen loan £7116=Total of £20914, 69% paid off was £68105 Weight to lose 42lbs 0 to go!! PPI claimed and received £11117 Save 12k in 2017no 116. £0/5000
    'I had a black dog, his name was depression".
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