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  • FIRST POST
    • poohbear59
    • By poohbear59 8th Mar 17, 9:32 PM
    • 4,766Posts
    • 55,125Thanks
    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 5
    • poohbear59
    • By poohbear59 7th May 17, 12:36 AM
    • 4,766 Posts
    • 55,125 Thanks
    poohbear59
    Things keep changing 're the dog.

    I went with DD to see our vet yesterday. He said that the tumour on our dog is not as bad as the young vet we saw last Friday described. He said the tumour is about to rupture but that he would try to remove as much of it as he can. DD agreed to the op which will take place on Thursday. If the op isn't successful the dog may be put to sleep. DD is also happy to pay for the op.

    Despite trying not to spend I have bought a climbing frame and bars for our grandchildren to use in our garden. They don't have space for anything in their garden. It is £40 and includes a platform and tent. DGD is quite poorly with chicken po but I know she will love it.. I babysat last night and she was quite distressed. We watched some old videos of our children when they were little. Some of it was our childten playing on our climbing frame. DGD said she wished she could have a climbing frame, which gave me the idea. They all came here today and DSIL did some odd jobs for us. He is very good to us. He came yesterday and refelted the shed roof with DS2. In fact they are all good to us.

    Tonight I went to church but then threw up afterwards. Luckily I had some dog poop bags in the car or it could have been a lot worse. As a result I couldn't have any of the curry Mr P made but have had some boiled rice.

    The cottage insurance renewal documents arrived today so next week I will be trying to reduce the cost for next year.
    Last edited by poohbear59; 07-05-2017 at 12:42 AM.
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 7th May 17, 9:10 AM
    • 8,017 Posts
    • 44,130 Thanks
    please-let-me-be-lucky
    Hope you feel better today.

    Climbing frame sounds ace Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in July - 1/5
    Lbs lost - 9
    • poohbear59
    • By poohbear59 7th May 17, 11:04 PM
    • 4,766 Posts
    • 55,125 Thanks
    poohbear59
    I am feeling a bit better but craved salty crisps and chocolate tonight. So I have had both.

    We collected the climbing frame today. It has a platform and den, plus monkey bars. The children are going to love it. Mr P is going to look after DGD while DD and I go to the dentist tomorrow. My tooth repair didn't last until I got home last time so something a bit more permanent will be tried tomorrow.

    In the afternoon we can build the climbing frame. Then if DGD is feeling up to it she can play outside on the climbing frame.
    Last edited by poohbear59; 07-05-2017 at 11:07 PM.
    • beanielou
    • By beanielou 8th May 17, 8:04 AM
    • 46,556 Posts
    • 165,501 Thanks
    beanielou
    Crisps and chocolate can be good for the soul. .
    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***
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 8th May 17, 8:47 AM
    • 8,017 Posts
    • 44,130 Thanks
    please-let-me-be-lucky
    Crisps and chocolate are the food of Gods Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in July - 1/5
    Lbs lost - 9
    • Bubblesmum
    • By Bubblesmum 9th May 17, 10:11 AM
    • 1,049 Posts
    • 6,020 Thanks
    Bubblesmum
    Thinking of you all. Hope you are feeling better, tooth fixed.

    Lots of good thoughts for thursday, our four legged friends are such wonderful companions and when they are poorly life is so sad.

    I type this as #lovegaston is snoring his little paws off beside me. Defiantly dreaming of mices or should I say birds which he delivered to me earlier in the week!
    Mrs B Debt £1857 @ 13/06/2017, £1790 16/06/2017
    • brizzledfw
    • By brizzledfw 14th May 17, 8:24 PM
    • 6,933 Posts
    • 33,297 Thanks
    brizzledfw
    Hope you're feeling better Pooh and that DGD is too x
    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
    • poohbear59
    • By poohbear59 16th May 17, 11:15 PM
    • 4,766 Posts
    • 55,125 Thanks
    poohbear59
    I have been MIA for quite a few days. I hadn't realised how many days it was that I haven't posted.

    Latest news..........
    Poor old dog was put to sleep this afternoon. The vet, who we trust implicitly, said that it was the only thing we could do as poor old pup was in so much pain. He, and we, gave it our best shot..... It feels really quiet here now....

    DGD is back at school this week but we went straight from having her every day to looking after, nursing , the dog. Mr P and I are both shattered and in need of chocolate.

    We also had my niece over from Oz. She and DB spent some time with us before they jetted off to see some of Europe together. I was concerned we might have overspent as we did enjoy a drink on the pub verandah a few days last week before the dog's op but finances are okay.

    We have a muscle food order on it's way to us. I haven't written or followed a meal plan for about a week so time to knuckle down again and get back to money saving and paying off the credit card.

    The pickup needs far too much welding to make it worth our while to keep it on the road so we have advertised it for spares and repairs in various places. The local scrapyard only offered us £150.


    Tomorrow's plan;
    Transfer £500 to new 0% interest credit card
    Cancel dog insurance and print off form to see if we can claim anything back: highly unlikely as it was a pre existing condition when we got dog from DD.
    Pay water bill for cottage
    Pay for new internet connection for cottage.
    Make optician and dental hygienist appointment
    Read up instructions for new window frame which arrived a few days ago. I am going to glue, prime etc.
    Write an inventory of food in freezers and larder.
    Write meal plan for two weeks.

    I think that this will all keep me occupied for a while tomorrow.
    • Knit Witch
    • By Knit Witch 17th May 17, 1:45 PM
    • 2,954 Posts
    • 27,528 Thanks
    Knit Witch
    Sorry to hear about the pup
    OS Weight Loss 4.5/10
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 17th May 17, 4:12 PM
    • 8,017 Posts
    • 44,130 Thanks
    please-let-me-be-lucky
    Sorry to hear about doggie. Big hugs Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in July - 1/5
    Lbs lost - 9
    • brizzledfw
    • By brizzledfw 17th May 17, 5:03 PM
    • 6,933 Posts
    • 33,297 Thanks
    brizzledfw
    Sorry re your dog. Very sad

    Like the list, let us know how you get on.
    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
    • Hiddenidenity
    • By Hiddenidenity 17th May 17, 6:19 PM
    • 3,799 Posts
    • 15,083 Thanks
    Hiddenidenity
    Sorry about the dog hope you're doing okay xx

    DFW £733.71/£7348.71
    Rent Arrears £346.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £216.52 + £25 Cash + £45 Amazon
    • beanielou
    • By beanielou 17th May 17, 9:28 PM
    • 46,556 Posts
    • 165,501 Thanks
    beanielou
    So sorry to hear about your dog going to rainbow bridge.
    He will be happy & pain free & you gave him a wonderful life.
    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***
    • rubyjam
    • By rubyjam 17th May 17, 9:56 PM
    • 75 Posts
    • 344 Thanks
    rubyjam
    Oh :-( very sorry to hear about your lovely dog.

    Hope you managed to tick off all the to do things on your list today - I'm an avid list writer but not so avid at actually getting anything done!
    • elizabethhull
    • By elizabethhull 17th May 17, 10:33 PM
    • 155 Posts
    • 577 Thanks
    elizabethhull
    Really sorry to hear about your dog - I'm sure he had a happy life with you but you must miss him dreadfully. xxxx
    • poohbear59
    • By poohbear59 17th May 17, 11:10 PM
    • 4,766 Posts
    • 55,125 Thanks
    poohbear59
    Thank you. We do miss him. It is odd without him as he was a huge dog with huge personality.

    rubyjam, I didn't achieve much from my list but can cross off a few things. Mr P sold his pickup for a measly £350 but it wasnt really going to get through another MOT. The chassis was rotten. The money is going to pay for bet bills and maybe something towards cc debt if we have any change.
    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".
    • poohbear59
    • By poohbear59 18th May 17, 2:39 PM
    • 4,766 Posts
    • 55,125 Thanks
    poohbear59
    Transfer £500 to new 0% interest credit card£400 has been transferred as £100 had to be left as available balance.
    Cancel dog insurance and print off form to see if we can claim anything back: highly unlikely as it was a pre existing condition when we got dog from DD.Done
    Pay water bill for cottage oops, forgot and got red reminder today
    Pay for new internet connection for cottage.Phoned but person I need was unavailable, will try again today
    Make optician and dental hygienist appointment
    Read up instructions for new window frame which arrived a few days ago. I am going to glue, prime etc.
    Write an inventory of food in freezers and larder. Muscle food order arrived today so we have meat, and friend emptied her freezer and larder today so we have lots of new goodies including home made soups
    Write meal plan for two weeks.

    I went to slimming world this morning and had gained 1.5lbs , not surprised as I just grabbed anything to eat most days this week and over the weekend, and knew I was going to gain. I am determined to lose this next week.

    We have no heating on at all and I am frozen solid. Time to wrap up in a blanket me thinks. The thought of doing a freezer inventory is definitely not appealing, maybe later
    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 18th May 17, 3:14 PM
    • 4,456 Posts
    • 12,791 Thanks
    Verbatim
    Sorry to hear about your dog Pooh.
    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 19th May 17, 8:46 AM
    • 4,766 Posts
    • 55,125 Thanks
    poohbear59
    I have sold an item for £5.99 on 3bay. As soon as I am paid I will pay the £5.99 towards the credit card. Every little helps. It was the only item I had listed so I need to add more now that life is quieter again. I have some clothes that are too large for me
    • Bubblesmum
    • By Bubblesmum 22nd May 17, 10:37 AM
    • 1,049 Posts
    • 6,020 Thanks
    Bubblesmum
    Sending lots of warm thoughts re the loss of your four legged friend. They are just so special.
    Mrs B Debt £1857 @ 13/06/2017, £1790 16/06/2017
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