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  • FIRST POST
    • Hiddenidenity
    • By Hiddenidenity 9th May 17, 12:47 PM
    • 4,466Posts
    • 18,189Thanks
    Hiddenidenity
    When things hit rock bottom the only answer is to fight the way back up...
    • #1
    • 9th May 17, 12:47 PM
    When things hit rock bottom the only answer is to fight the way back up... 9th May 17 at 12:47 PM
    I'm back again, worse than ever to be honest. Things all hit a head in March and along with help being needed in other areas than financial I realised that the money side of things are a big issue in fixing things elsewhere.

    Although not posting I have been reading the diaries I have followed, so many who helped along when I first started are happily debt free now. I want to join them one day, both in being debt free and in happiness.

    Our finances on paper while tight look okay. However we both smoke and my OH is not very responsible. At all. I fell into a gambling issue which I've sought help for and not a penny has gone on gambling since March.

    Our household is me (Not working, our youngest has complicated health issues), My OH he works full time with over time, and 3 delightful children

    I will make a seperate post for my debts/goals and then one with our SOA when I've completed it.

    Hope I can stay around to sort myself, the debt and the happiness thing out.
    DFW £953.71/£7348.71 Rent Arrears £391.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £259.95 + £25 Cash + £65 Amazon
    August 17 PA £98.93 + £83.08 Cash + £80 Amazon
Page 27
    • Hiddenidenity
    • By Hiddenidenity 11th Jun 17, 12:06 AM
    • 4,466 Posts
    • 18,189 Thanks
    Hiddenidenity
    Thank you
    You are a star
    Originally posted by UncannyScot
    Happy earning If you're willing to put the time in, it can easily get £50 a month.

    In 2013 before my youngest came along I made a good £1000 from surveys, it paid for all the expenses of having a new baby and Christmas etc
    DFW £953.71/£7348.71 Rent Arrears £391.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £259.95 + £25 Cash + £65 Amazon
    August 17 PA £98.93 + £83.08 Cash + £80 Amazon
    • Eager_Elephant
    • By Eager_Elephant 11th Jun 17, 9:05 AM
    • 4,017 Posts
    • 21,375 Thanks
    Eager_Elephant
    Finally hit payout on yougov

    I'm not sure what to do with my other sites? Cashout now as I've hit the minimum payout or leave it to build up? What do others do?
    Originally posted by Hiddenidenity
    Well done on Yougov payout

    When I remember I cash out as soon as I reach minimum pay out. I worry about survey firms going bust and people losing their money.
    I think it was a site like Swagbucks which went without a trace one day and people lost lots of money as they had been waiting to cash out at £50 (the vouchers you could claim at £50 cost less percentagewise than say £20 voucher)

    If you haven't joined Swagbucks yet I wouldn't recommend it although loads of people do it - when I did it they often wouldn't credit you for surveys and some of their offers didn't credit.

    I like to just stick with the survey sites I know and only use Swagbucks if desperate (maybe once a year!!)
    Ninja Saving Turtle No. 1 for July
    NSD - 8/16
    (up to 15/08/17)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • Silver Queen
    • By Silver Queen 11th Jun 17, 11:19 AM
    • 139 Posts
    • 681 Thanks
    Silver Queen
    Well done on Yougov payout

    When I remember I cash out as soon as I reach minimum pay out. I worry about survey firms going bust and people losing their money.
    I think it was a site like Swagbucks which went without a trace one day and people lost lots of money as they had been waiting to cash out at £50 (the vouchers you could claim at £50 cost less percentagewise than say £20 voucher)

    If you haven't joined Swagbucks yet I wouldn't recommend it although loads of people do it - when I did it they often wouldn't credit you for surveys and some of their offers didn't credit.

    I like to just stick with the survey sites I know and only use Swagbucks if desperate (maybe once a year!!)
    Originally posted by Eager_Elephant
    Agreed. I hate swagbucks. I have to constantly chase them for payout and the points to cash conversion rate is measly.
    • Hiddenidenity
    • By Hiddenidenity 11th Jun 17, 11:36 AM
    • 4,466 Posts
    • 18,189 Thanks
    Hiddenidenity
    Well done on Yougov payout

    When I remember I cash out as soon as I reach minimum pay out. I worry about survey firms going bust and people losing their money.
    I think it was a site like Swagbucks which went without a trace one day and people lost lots of money as they had been waiting to cash out at £50 (the vouchers you could claim at £50 cost less percentagewise than say £20 voucher)

    If you haven't joined Swagbucks yet I wouldn't recommend it although loads of people do it - when I did it they often wouldn't credit you for surveys and some of their offers didn't credit.

    I like to just stick with the survey sites I know and only use Swagbucks if desperate (maybe once a year!!)
    Originally posted by Eager_Elephant
    Agreed. I hate swagbucks. I have to constantly chase them for payout and the points to cash conversion rate is measly.
    Originally posted by Silver Queen

    Thank you both, maybe I'll cashout now then and just keep track of what I've cashed out.

    Swagbucks I go back and forth too, When I could use a computer I didn't mind it, but on my phone it doesn't seem to like it!
    DFW £953.71/£7348.71 Rent Arrears £391.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £259.95 + £25 Cash + £65 Amazon
    August 17 PA £98.93 + £83.08 Cash + £80 Amazon
    • Hiddenidenity
    • By Hiddenidenity 11th Jun 17, 12:17 PM
    • 4,466 Posts
    • 18,189 Thanks
    Hiddenidenity
    Not a NSD

    £10 in Mr M taking advantage of a £10 meat offer. I didn't actually go, my sister arrived at my door at 10.30 stating she'd been and picked hers up when mum asked to get her one, so she picked me one up too So means I'm over on the grocery budget Although everyone else is happy that sunday roast is now beef not chicken

    Will portion and freeze the rest of the meats up too.

    Need to get the £6.25 out for school lunch money.

    School shoes/plimsoles £26 all things I need to make a budget for

    So no PADS this week for now as its squeeky tight.
    DFW £953.71/£7348.71 Rent Arrears £391.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £259.95 + £25 Cash + £65 Amazon
    August 17 PA £98.93 + £83.08 Cash + £80 Amazon
    • emmie26
    • By emmie26 11th Jun 17, 1:00 PM
    • 468 Posts
    • 1,644 Thanks
    emmie26
    I am finding that my budget is getting categories added all the time, things crop up which I completely forgot about and then I have to add it in as a monthly amount. I am only just beginning to realise why I never had extra money left over at the end of the month.

    Enjoy the roast, that sounds fab, we just have boring chicken!

    Total Debt: £24,359.79 £22,182
    debt reduced by 9%
    Debt free date: May 2019
    • mummytogirls
    • By mummytogirls 11th Jun 17, 3:15 PM
    • 5,320 Posts
    • 15,934 Thanks
    mummytogirls
    Aww how kind of your sister to think of you. At least thats next weeks meat sorted xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £7586.76 - 31/05/17 - 67.25% paid off
    • mummytogirls
    • By mummytogirls 11th Jun 17, 3:16 PM
    • 5,320 Posts
    • 15,934 Thanks
    mummytogirls
    Just thinking if you can squeeze an extra meal out of the beef, hot beef baguettes is a good one xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £7586.76 - 31/05/17 - 67.25% paid off
    • Hiddenidenity
    • By Hiddenidenity 11th Jun 17, 3:17 PM
    • 4,466 Posts
    • 18,189 Thanks
    Hiddenidenity
    Just thinking if you can squeeze an extra meal out of the beef, hot beef baguettes is a good one xx
    Originally posted by mummytogirls
    You must be able to read my mind

    I was wondering what to do with the "leftovers"
    DFW £953.71/£7348.71 Rent Arrears £391.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £259.95 + £25 Cash + £65 Amazon
    August 17 PA £98.93 + £83.08 Cash + £80 Amazon
    • mummytogirls
    • By mummytogirls 11th Jun 17, 3:19 PM
    • 5,320 Posts
    • 15,934 Thanks
    mummytogirls
    Its one of my specialities HI
    2 baguettes for 45p in Mr Al's too, can't go wrong

    I usually freeze our leftover beef in a bit of gravy xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £7586.76 - 31/05/17 - 67.25% paid off
    • Chandelier.
    • By Chandelier. 11th Jun 17, 5:03 PM
    • 491 Posts
    • 1,323 Thanks
    Chandelier.
    Hello Hidden! I've finally caught up with your diary.

    I'm sat here pondering on a meal plan and was stuck for what to do with leftover beef after a roast.. So thanks to mummytogirls for mentioning hot beef baguettes/barms. That's added to the weeks after meal plans .

    You're doing so well Hidden with everything. It's especially hard when unexpected outgoings crop up and even harder to budget for when you already have to watch the pennies.

    Hope you've had a lovely day. What was the Mr Ms meat offer? Not that I need to get any meat after sorting out my freezers today
    • Suffolk lass
    • By Suffolk lass 11th Jun 17, 5:31 PM
    • 1,402 Posts
    • 16,431 Thanks
    Suffolk lass
    Finally hit payout on yougov

    I'm not sure what to do with my other sites? Cashout now as I've hit the minimum payout or leave it to build up? What do others do?
    Originally posted by Hiddenidenity
    MSE Martin's guide says to cash out when you have enough
    MFiT T4 #2 update 25.95% after Q5
    Save £12k in 2017 #64 - £5617.21/£5500 (51.64%/50%) after June - my annual target is £11,000
    OS Grocery Challenge 2017 budget of £3,600 £3000 (reduced from Apr) - 58.88/58.33% including stores after July
    My DFD is here
    • Hiddenidenity
    • By Hiddenidenity 11th Jun 17, 5:54 PM
    • 4,466 Posts
    • 18,189 Thanks
    Hiddenidenity
    Hello Hidden! I've finally caught up with your diary.

    I'm sat here pondering on a meal plan and was stuck for what to do with leftover beef after a roast.. So thanks to mummytogirls for mentioning hot beef baguettes/barms. That's added to the weeks after meal plans .

    You're doing so well Hidden with everything. It's especially hard when unexpected outgoings crop up and even harder to budget for when you already have to watch the pennies.

    Hope you've had a lovely day. What was the Mr Ms meat offer? Not that I need to get any meat after sorting out my freezers today
    Originally posted by Chandelier.
    900g joint of beef, 500g mince and I think 500g chicken breast for £10. We have had a really chilled day really ready for back to school tomorrow I hate them going to school

    MSE Martin's guide says to cash out when you have enough
    Originally posted by Suffolk lass
    I read this after I posted, so have cashed out all where I could Thank you
    DFW £953.71/£7348.71 Rent Arrears £391.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £259.95 + £25 Cash + £65 Amazon
    August 17 PA £98.93 + £83.08 Cash + £80 Amazon
    • Sun Addict
    • By Sun Addict 11th Jun 17, 8:23 PM
    • 4,115 Posts
    • 22,164 Thanks
    Sun Addict
    You put my DD to shame, she's older than you and doesn't have half your sense and maturity. i was like you with 2 kids and a mortgage by 26.
    Virtual Sealed Pot £547.82
    Weight loss 0/7lbs
    Mr SA finally in remission December 2013
    • Hiddenidenity
    • By Hiddenidenity 12th Jun 17, 6:57 AM
    • 4,466 Posts
    • 18,189 Thanks
    Hiddenidenity
    Well morning already, after less than 2 hours sleep I'm not ready for it to be morning.

    Just going to finish my 3rd coffee and jump in the shower see if it makes me feel any more ready for the day

    Other half back at work and the bigger kids back at school today I will miss the company, but the routine will be nice. The countdown to the Summer holidays as started

    Today should be a NSD other than school dinners which I got the money out for on Friday and put in DS bag. Have also started the lists for the new uniform needed for September for all 3 of them! My babies going to be at nursery She's as ready as me and is in total denial I'm hoping to cover the majority with survey/ebay as I don't have a budget for this
    DFW £953.71/£7348.71 Rent Arrears £391.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £259.95 + £25 Cash + £65 Amazon
    August 17 PA £98.93 + £83.08 Cash + £80 Amazon
    • pennywisepoundstupid
    • By pennywisepoundstupid 12th Jun 17, 7:03 AM
    • 4,293 Posts
    • 12,824 Thanks
    pennywisepoundstupid
    Hope you manage to get a cat nap later in the day.

    I'm counting down until the summer hols,I love us being at home and I can't wait!

    Have a good day.x.
    Be mindful of your self-talk. It's a conversation with the Universe."
    Save for summer £500/£500
    EXTRA DEBT PAYMENT AUGUST -MBNA£1000/£373
    • emmie26
    • By emmie26 12th Jun 17, 7:15 AM
    • 468 Posts
    • 1,644 Thanks
    emmie26
    I've been thinking about school uniforms as well, first time I've given it any thought this early it is such an expense, I've never done surveys but I might try, although I think it's a bit late for it to pay for anything this year, maybe it could help with Christmas.

    Hope you have a nice quiet day that isn't just filled with cleaning

    Total Debt: £24,359.79 £22,182
    debt reduced by 9%
    Debt free date: May 2019
    • Toni'sfriend
    • By Toni'sfriend 12th Jun 17, 8:35 AM
    • 768 Posts
    • 6,635 Thanks
    Toni'sfriend
    Can you buy the uniforms at Aldi or George or are they at a school that demands a particular brand. I always found that me son grew out of his before they wore out and it was such ab expense.
    NSD 8/15 Weightloss 1.3/7 Aug womble £53.02 2017 Wombling total £1191.64
    • Hiddenidenity
    • By Hiddenidenity 12th Jun 17, 9:01 AM
    • 4,466 Posts
    • 18,189 Thanks
    Hiddenidenity
    Can you buy the uniforms at Aldi or George or are they at a school that demands a particular brand. I always found that me son grew out of his before they wore out and it was such ab expense.
    Originally posted by Toni'sfriend
    I was looking at George, it looks really good for the price!

    Just the pe kit and jumpers/cardigans are logo. The rest can be from anywhere. Usually I get it from my mums Next account and pay her off weekly but its over double the price I won't be doing that again
    DFW £953.71/£7348.71 Rent Arrears £391.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £259.95 + £25 Cash + £65 Amazon
    August 17 PA £98.93 + £83.08 Cash + £80 Amazon
    • Toni'sfriend
    • By Toni'sfriend 12th Jun 17, 9:24 AM
    • 768 Posts
    • 6,635 Thanks
    Toni'sfriend
    That's not quite as bad if you can get most of it from George.
    NSD 8/15 Weightloss 1.3/7 Aug womble £53.02 2017 Wombling total £1191.64
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