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  • FIRST POST
    • poohbear59
    • By poohbear59 8th Mar 17, 9:32 PM
    • 4,768Posts
    • 55,136Thanks
    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 9
    • poohbear59
    • By poohbear59 5th Jul 17, 10:25 AM
    • 4,768 Posts
    • 55,136 Thanks
    poohbear59
    Another NSD yesterday. I find that not leaving the house helps And a broken charging lead on my laptop helps the NSDs too. Oh, and £0 balance in bank account soon stops the spending.

    Today I have my counselling session 35 miles away. It is eating up the petrol and the £s but needs to be done.

    And now i know my laptop is completely dead for no apparent reason. I borrowed another charger but it still won't start up. Time to think creatively as I have photos to send for an advertising deadline.

    Knit and natter afterwards will cost me £1. It is worth the money as I enjoy the company.

    I have finished painting my window frame. It has taken weeks but it is now ready for glueing together. It could go horribly wrong...........

    Last nights dinner was very frugal and tonight's will be too.
    We had yellow stickered gammon, macaroni cheese and mixed vegetables. Tonight I will make pasta carbonara.
    • elizabethhull
    • By elizabethhull 5th Jul 17, 12:05 PM
    • 155 Posts
    • 577 Thanks
    elizabethhull
    Yellow-stickered food is just as good as other colours! Your meals always sound inventive and well-balanced.
    • Hiddenidenity
    • By Hiddenidenity 5th Jul 17, 1:11 PM
    • 3,828 Posts
    • 15,205 Thanks
    Hiddenidenity
    I agree your food always sounds lovely

    DFW £733.71/£7348.71
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    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £216.52 + £25 Cash + £45 Amazon
    • beanielou
    • By beanielou 5th Jul 17, 5:59 PM
    • 46,568 Posts
    • 165,575 Thanks
    beanielou
    Positive vibes for the window frame
    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***
    • brizzledfw
    • By brizzledfw 6th Jul 17, 9:55 PM
    • 6,936 Posts
    • 33,339 Thanks
    brizzledfw
    Hope you're doing well and enjoying some sun?

    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 7th Jul 17, 1:36 PM
    • 4,768 Posts
    • 55,136 Thanks
    poohbear59
    Thank you for the comments about our food. I try to remember to share as our meals are always frugal and sometimes very frugal.

    Last night we had tacos with our own recipe rather than buying a kit. Very yummy. It felt like a real treat. Tonight we have freshly caught trout. A present from a friend. Not sure how to serve it yet. I have been advised to follow the FODMAP diet by my GP, so some foods are restricted.

    I gave myself a foot spa yesterday. It was very relaxing. I found it in a book called A Year of Puttery Treats. My counsellor recommended I do 'girly things' like go to a spa for relaxation but I made my own mini spa in the sunshine yesterday. It really confused my girls (hens) who thought they might try to drink the water. Lavender infused Epsom salts are probably not very good for hens ��

    I have been recommended more self care so thinking of free things to do. ...

    Window frame is not stuck together yet. I chickened out. Maybe today ��
    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 7th Jul 17, 1:53 PM
    • 46,568 Posts
    • 165,575 Thanks
    beanielou
    No.You did not chicken out.
    You just deceided not to to do it at that moment in time.
    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 7th Jul 17, 9:29 PM
    • 4,768 Posts
    • 55,136 Thanks
    poohbear59
    Thank you beanie. A much better way of looking at it.

    Today I have repaired a very noisy toilet and have received the part I ordered to repair my laptop (9.45), much cheaper than a trip to the repair shop. I am going to try to repair it. It needed a new charging jack socket and I have found a really clear video on YouTube. Now I need the correct size screwdriver... Going to see if I can borrow one...


    My hands and arms are incredibly painful tonight or I might have already attempted the repair..
    • Knit Witch
    • By Knit Witch 8th Jul 17, 6:04 PM
    • 2,961 Posts
    • 27,581 Thanks
    Knit Witch
    Thank you beanie. A much better way of looking at it.

    Today I have repaired a very noisy toilet and have received the part I ordered to repair my laptop (9.45), much cheaper than a trip to the repair shop. I am going to try to repair it. It needed a new charging jack socket and I have found a really clear video on YouTube. Now I need the correct size screwdriver... Going to see if I can borrow one...


    My hands and arms are incredibly painful tonight or I might have already attempted the repair..
    Originally posted by poohbear59
    Have you got a sewing machine screwdriver? they are normally about the right size for laptops as well
    OS Weight Loss 4.5/10
    • poohbear59
    • By poohbear59 9th Jul 17, 11:01 AM
    • 4,768 Posts
    • 55,136 Thanks
    poohbear59
    Thank you knitwitch. I did have one and it worked well. I took the laptop apart to fit the part, with some help from DS2 as he was brave enough to pull some parts of the casing apart that I was afraid to damage. Sadly the part didn't fit and despite knowing what we need I can't find the part online. I will probably try the manufacturers on Monday.
    • Bubblesmum
    • By Bubblesmum 24th Jul 17, 12:57 PM
    • 1,050 Posts
    • 6,032 Thanks
    Bubblesmum
    Waving madly, full of admiration for attempting to mend lap top...
    Mrs B Debt £1857 @ 13/06/2017, £1790 16/06/2017
    • Hiddenidenity
    • By Hiddenidenity 24th Jul 17, 1:19 PM
    • 3,828 Posts
    • 15,205 Thanks
    Hiddenidenity
    Hope all is well

    DFW £733.71/£7348.71
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    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £216.52 + £25 Cash + £45 Amazon
    • poohbear59
    • By poohbear59 25th Jul 17, 10:55 AM
    • 4,768 Posts
    • 55,136 Thanks
    poohbear59
    Hi folks,
    I have my laptop back, repaired for £65.

    DS3 came home on Friday. Here for a couple of days then away to renew his safety certificates for work at sea. I ended up with a vicious virus which managed to completely spoil my planned weekend with the family but we had almost all of them here which is much more important to me.

    He will be back for one day and night here then away to USA on Saturday. Then it is just 2.5 weeks until DS1 ,DDIL and her mom arrive from USA.
    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".
    • pennywisepoundstupid
    • By pennywisepoundstupid 25th Jul 17, 11:15 AM
    • 4,180 Posts
    • 12,332 Thanks
    pennywisepoundstupid
    Good to have you back pooh.

    BOO to the virus. BUT YEAH to fixing laptop and DS being over and his family.

    Take care.x.
    Be mindful of your self-talk. It's a conversation with the Universe."
    Dave Ramsey babystep 1-£1000 Emergency fund- save £250/£200[/COLOR]
    School uniform £250/£250
    Save for summer £500/£370
    • poohbear59
    • By poohbear59 25th Jul 17, 12:29 PM
    • 4,768 Posts
    • 55,136 Thanks
    poohbear59
    Great news. DD and DSIL are going to do a balance transfer of our cc debt to a 0% interest card. This month I paid off £250 but paid £143 in interest


    I do have an amazing family
    Last edited by poohbear59; Yesterday at 12:32 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".
    • Verbatim
    • By Verbatim 25th Jul 17, 12:53 PM
    • 4,459 Posts
    • 12,801 Thanks
    Verbatim
    That's wonderful news. It'll be so much easier to pay off.
    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
    • Knit Witch
    • By Knit Witch 25th Jul 17, 1:16 PM
    • 2,961 Posts
    • 27,581 Thanks
    Knit Witch
    Great news. DD and DSIL are going to do a balance transfer of our cc debt to a 0% interest card. This month I paid off £250 but paid £143 in interest


    I do have an amazing family
    Originally posted by poohbear59
    Brilliant news! This means clearing it a LOT quicker!
    OS Weight Loss 4.5/10
    • beanielou
    • By beanielou 25th Jul 17, 7:20 PM
    • 46,568 Posts
    • 165,575 Thanks
    beanielou
    Fab news for you
    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***
    • Hiddenidenity
    • By Hiddenidenity 25th Jul 17, 7:24 PM
    • 3,828 Posts
    • 15,205 Thanks
    Hiddenidenity
    Brilliant news, glad things are going well x

    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
    • quintwins
    • By quintwins 25th Jul 17, 7:38 PM
    • 4,795 Posts
    • 28,441 Thanks
    quintwins
    Great news. DD and DSIL are going to do a balance transfer of our cc debt to a 0% interest card. This month I paid off £250 but paid £143 in interest


    I do have an amazing family
    Originally posted by poohbear59
    That's fantastic news!
    DFW £1240/£28996

    Aug GC £0/£170
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