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  • FIRST POST
    • MeandO
    • By MeandO 16th May 17, 9:03 PM
    • 1,157Posts
    • 5,606Thanks
    MeandO
    Striving to save and stay solvent!
    • #1
    • 16th May 17, 9:03 PM
    Striving to save and stay solvent! 16th May 17 at 9:03 PM
    My previous thread felt a bit old hat and I need to start afresh with a bit more positivity, looking forward rather than back, so here goes...

    Although I'm not in debt anymore (apart from the mortgage), I'm not able to overpay my mortgage until I've worked on the savings pots as I really do have practically no money behind me once essential repairs are paid for on this house. Money is extremely tight now I've dropped to part time and am a single parent to my little boy, so I feel more at home here on the DFW board if you'll have me!

    It wouldn't take huge emergency to force me back into relying on a credit card or loan again. I really don't want to (and can't afford to) get back into that postion so I have to focus and stay on the straight and narrow.

    Link to the previous diary for those interested:

    http://forums.moneysavingexpert.com/showthread.php?t=5490668
    Last edited by MeandO; 17-05-2017 at 11:15 AM.
    Savings: £1700/£2000
    Mortgage Feb 2015: £102,000
    Mortgage now: £78,000

    "Life shrinks or expands in proportion to one's courage" - Anais Nin
Page 5
    • MeandO
    • By MeandO 11th Jul 17, 1:39 PM
    • 1,157 Posts
    • 5,606 Thanks
    MeandO
    £12 from TCB just paid out to the bank account. Will be swept into the savings once it is credited.
    Savings: £1700/£2000
    Mortgage Feb 2015: £102,000
    Mortgage now: £78,000

    "Life shrinks or expands in proportion to one's courage" - Anais Nin
    • Purplemumof2
    • By Purplemumof2 11th Jul 17, 3:02 PM
    • 5,354 Posts
    • 18,300 Thanks
    Purplemumof2
    £12 from TCB just paid out to the bank account. Will be swept into the savings once it is credited.
    Originally posted by MeandO
    That's great! x
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7100.00 Cap 1: £533.40 BC: £5090.00

    AFD 0/10 NSD 0/10 LTW 0/10

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 11 2018 #003
    • MeandO
    • By MeandO 11th Jul 17, 10:30 PM
    • 1,157 Posts
    • 5,606 Thanks
    MeandO
    One of the gumtree items has been collected, but £5 of the £10 went straight out of my hand onto another collection. The other gumtree sale has cancelled, no longer wants the item.

    Feeling really annoyed with myself, today I stupidly committed to a break which is going to cost £300. There's no getting out of it now and I have kicked myself a hundred times, but in a moment of madness it's gone on the credit card. I got sucked in by a "good" deal and money off code and before I'd even thought twice about it, I'd clicked the confirm button. I feel like such an idiot. This is precisely why I should not have a credit card. So, it's done now and I have to work my &!!!! off to pay it back asap. I thought twice about actually writing it down on here but if I don't, I'm just lying to myself.

    Tomorrow night is eBay listing night. I have to make some extra money to pay it off, just the thought of a now near £600 balance on my credit card is making me anxious.
    Savings: £1700/£2000
    Mortgage Feb 2015: £102,000
    Mortgage now: £78,000

    "Life shrinks or expands in proportion to one's courage" - Anais Nin
    • MeandO
    • By MeandO 11th Jul 17, 11:04 PM
    • 1,157 Posts
    • 5,606 Thanks
    MeandO
    I've started as I mean to go on and listed two auctions on eBay tonight. I'll get the others weighed before listing tomorrow.
    Savings: £1700/£2000
    Mortgage Feb 2015: £102,000
    Mortgage now: £78,000

    "Life shrinks or expands in proportion to one's courage" - Anais Nin
    • Eager_Elephant
    • By Eager_Elephant 12th Jul 17, 7:09 AM
    • 4,130 Posts
    • 22,398 Thanks
    Eager_Elephant
    Thank you Chandelier.

    I'm fuming. Just had an email from a survey company stating they made a mistake - the survey advertised for £10 should have been advertised for 10p, so they are now taking that reward back and putting my account into a deficit of £10 which I have to 'work back' as I've already withdrawn the funds.

    Have sent them a stinking email back saying that this is extremely poor practice.

    Anyone agree?
    Originally posted by MeandO
    I think it is extremely poor practice as these things should be checked unless it is PA as people upload their own surveys and I find that sometimes they don't check their survey before uploading it.

    How long did the survey take? If it was a few minutes then I wouldn't have thought £10 would have been the reward but if it was 30mins+ then that would seem reasonable.


    Well done for coming on and admitting that you have booked a holiday - do you think it is self-sabotage? Only this morning you posted about how well you were doing and that as long as you stick to the budget you will be fine and then a few hours later the holiday has been purchased.
    Its so difficult when you are in debt to realise that although a £300 holiday is a bargain, it is only a bargain if you actually have the funds to pay for it.

    How much extra will the holiday costs in terms of spending money etc?
    Ninja Saving Turtle No. 15 for November
    NSD - 1/15
    (up to 01/11/17)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • MeandO
    • By MeandO 12th Jul 17, 9:27 AM
    • 1,157 Posts
    • 5,606 Thanks
    MeandO
    Thanks Eager_Elephant

    I don't think it's self sabotage, but I'm very much someone who needs to look forward to something, it's just me taking my eye off the ball and 'forgetting' about everything in a moment of madness. Both OH and I have been feeling so down lately and have both been going through a lot individually. We talked about a short weekend away somewhere soon but I said neither of us could afford it, so we put it on the back burner. When I saw this at a 'good' price I had booked it before I'd even thought twice - sounds stupid, but that's my old impulsive ways coming back for a split second. It's stupid split second decisions like this that got me into debt into the first place. The only saving grace is that it will need no further spending as is self catering and only a couple of hours' drive from home, but still, I just shouldn't have done it.

    Anyway, onwards and upwards I suppose.
    Once the building work is paid for, the focus will turn on paying the credit card off at a faster rate. Thankfully it's 0% for a long time.
    Savings: £1700/£2000
    Mortgage Feb 2015: £102,000
    Mortgage now: £78,000

    "Life shrinks or expands in proportion to one's courage" - Anais Nin
    • MeandO
    • By MeandO 12th Jul 17, 9:37 AM
    • 1,157 Posts
    • 5,606 Thanks
    MeandO
    I had an awful night's sleep last night, I was still awake at 2am and couldn't drop off. Probably yesterday's stupid decisions playing on my mind.

    No bids on the two ebay items I listed last night, but there is one watcher on each. I will list the other bundle tonight.

    Still no sign of any of the cashback or survey money hitting the bank account.

    OH brought two HUGE bowls of salad and tomatoes leftover from an event at his work yesterday which were going to be thrown away. He was mad as they'd already thrown out big platters of cold meats and various breads before he could stop them. Such a waste. The sad thing is, there's a homeless young person's charity in the local town that would have gratefully accepted it all. So, now he brought this salad home late last night, it's salad and various bits for the forseeable!
    Savings: £1700/£2000
    Mortgage Feb 2015: £102,000
    Mortgage now: £78,000

    "Life shrinks or expands in proportion to one's courage" - Anais Nin
    • MeandO
    • By MeandO 12th Jul 17, 10:02 AM
    • 1,157 Posts
    • 5,606 Thanks
    MeandO
    2 surveys received and screened out of both, but 10 'points' banked.

    I've listed some gumtree items on another selling page now, so hopefully they sell shortly.
    Savings: £1700/£2000
    Mortgage Feb 2015: £102,000
    Mortgage now: £78,000

    "Life shrinks or expands in proportion to one's courage" - Anais Nin
    • MeandO
    • By MeandO 12th Jul 17, 12:29 PM
    • 1,157 Posts
    • 5,606 Thanks
    MeandO
    Just looking at my tax credits claim and I realised I have never put the number of hours I work on my self-employment down. I just put the hours of my emplyed job down, there doesn't appear to be another box for self employed hours too. Should I phone them? I'm not entirely sure what to do.
    Savings: £1700/£2000
    Mortgage Feb 2015: £102,000
    Mortgage now: £78,000

    "Life shrinks or expands in proportion to one's courage" - Anais Nin
    • MeandO
    • By MeandO 12th Jul 17, 12:56 PM
    • 1,157 Posts
    • 5,606 Thanks
    MeandO
    Ok, so I just phoned them. Turns out I would have been entitled to a lot more from 2012 when I started my business, but they will backdate for one month only.
    I'm not working a lot of hours presently, but it gets really busy with the run up to Christmas and it's not unheard of for me to work 20 hours days at those times - I come home from work, sort DS out, put him to bed and work til the wee small hours for nights/weeks on end. If only I'd thought about it.
    I have told them my minimum hours for now and then will phone them back when things get busier in September - hopefully.

    <<< this sums me up this this week.
    Savings: £1700/£2000
    Mortgage Feb 2015: £102,000
    Mortgage now: £78,000

    "Life shrinks or expands in proportion to one's courage" - Anais Nin
    • MeandO
    • By MeandO 13th Jul 17, 9:54 AM
    • 1,157 Posts
    • 5,606 Thanks
    MeandO
    Had some devastating news about my Mum's condition last night, not sure if I'll be feeling up to posting much at the moment, will be back when I can put one foot in front of the other again.

    xx
    Savings: £1700/£2000
    Mortgage Feb 2015: £102,000
    Mortgage now: £78,000

    "Life shrinks or expands in proportion to one's courage" - Anais Nin
    • kirtsypoos
    • By kirtsypoos 13th Jul 17, 11:42 AM
    • 3,042 Posts
    • 13,502 Thanks
    kirtsypoos
    So sorry to hear that you have had bad news MeandO. Thinking of you and your family x
    £250/3000 OH BC(91.66% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £250/31010.23 (99.19% paid)
    Mortgage - £161,000.00 (2017 O/P £2221.94) PAYDBX 17 #006 - £17,309.18/14,539.71
    • Honeysucklelou2
    • By Honeysucklelou2 14th Jul 17, 12:53 AM
    • 510 Posts
    • 1,728 Thanks
    Honeysucklelou2
    Sorry to read of your bad news. Thinking of you.
    paydbx #90 £475/£10,000.
    Loan £17k - paid off in Aug 2017. Home improvement loans £3342 March 2017. £3206 in Oct 17
    • Eager_Elephant
    • By Eager_Elephant 14th Jul 17, 6:38 AM
    • 4,130 Posts
    • 22,398 Thanks
    Eager_Elephant
    (((MeandO and family))) Sorry to read of your bad news.

    No rush to come back - we will be here waiting however long it takes.

    Please take care of you during this difficult time.
    Ninja Saving Turtle No. 15 for November
    NSD - 1/15
    (up to 01/11/17)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • MeandO
    • By MeandO 14th Jul 17, 10:41 AM
    • 1,157 Posts
    • 5,606 Thanks
    MeandO
    Thank you all, you're very kind

    Procedure being carried out today to determine whether it is the worst case scenario as they believe it is. For all those with a spare pair of fingers I'd really appreciate some of them being crossed for my wonderful Mum. Xx
    Savings: £1700/£2000
    Mortgage Feb 2015: £102,000
    Mortgage now: £78,000

    "Life shrinks or expands in proportion to one's courage" - Anais Nin
    • kirtsypoos
    • By kirtsypoos 14th Jul 17, 11:30 AM
    • 3,042 Posts
    • 13,502 Thanks
    kirtsypoos
    Everything crossed for you and your mum MeandO x
    £250/3000 OH BC(91.66% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £250/31010.23 (99.19% paid)
    Mortgage - £161,000.00 (2017 O/P £2221.94) PAYDBX 17 #006 - £17,309.18/14,539.71
    • MeandO
    • By MeandO 14th Jul 17, 11:37 AM
    • 1,157 Posts
    • 5,606 Thanks
    MeandO
    Thank you Kirstypoos xx
    Savings: £1700/£2000
    Mortgage Feb 2015: £102,000
    Mortgage now: £78,000

    "Life shrinks or expands in proportion to one's courage" - Anais Nin
    • Hiddenidenity
    • By Hiddenidenity 14th Jul 17, 11:45 AM
    • 5,314 Posts
    • 26,055 Thanks
    Hiddenidenity
    Everything crossed for you and your mum MeandO x
    Originally posted by kirtsypoos
    From me too (()) Xx
    DFW £1783.71/£7348.71 Rent Arrears £571.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • MeandO
    • By MeandO 14th Jul 17, 12:30 PM
    • 1,157 Posts
    • 5,606 Thanks
    MeandO
    Thank you Hiddenidentity XX
    Savings: £1700/£2000
    Mortgage Feb 2015: £102,000
    Mortgage now: £78,000

    "Life shrinks or expands in proportion to one's courage" - Anais Nin
    • MeandO
    • By MeandO 15th Jul 17, 10:23 PM
    • 1,157 Posts
    • 5,606 Thanks
    MeandO
    Still no news from the hospital unfortunately, it seems it's going to be at least a week until we know what the scenario is. ☹️ In the meantime, I'm trying to keep busy and concentrate on other things to keep things as normal as possible for DS.

    Onto moneysaving, I sold a £15 item today via gumtree, also advertised one more thing and sorted some more stuff for eBay but have yet to list it. The three eBay items I have listed are not doing well. Two with bids on but only at a minimum amount so far.
    One more business order came in, I really need to get those all made and packed tomorrow, ready to post Monday.
    My darling Mum wrote a letter to DS and I from the hospital and put £10 in it for us, so I will put that towards the bathroom fund too. Had some tears when I received that today.

    Had to do a top up shop today, including batteries which always cost a fortune. Came in at just under £28. Still within the £150 grocery target for the month - just.

    Still well under budget on the 'everything else' category, although I've had to put building materials on the credit card. I'm not even looking at that at the moment but I'll have to pay it down as soon as I can. At the moment the priority is finding another £131 to cover the labour costs of the next lot of building works. I did manage to get the shower and the shower tray for around £110 for both, so it paid to shop around.

    I've finished the wallpapering now, it looks great and I'm really pleased with it. I wish I'd had a go earlier in the year as I probably could have done the stairs, upstairs hall and downstairs hall myself instead of paying £1600 early this year to have it done. It was a huge job mind and I probably would still be doing it now. Oh well, what's done is done.

    Having Sunday dinner cooked for us tomorrow in exchange for doing a bit of DIY, think that's a fair deal!

    I've completed a fair few surveys today, just need to do one more until I can cash out for a £5 amazon voucher. I've decided to do that now instead of the prepaid cards as they were a pain to spend. I'll hopefully be able to build up a nice little fund for Christmas presents that way.

    Oh, and managed to top up my OP account to £10 so have paid another £10 off the mortgage, so that's £50 OP this month with very little effort tbh.
    Not much else to report, hope everyone's having a nice weekend.
    X
    Last edited by MeandO; 17-07-2017 at 9:30 AM.
    Savings: £1700/£2000
    Mortgage Feb 2015: £102,000
    Mortgage now: £78,000

    "Life shrinks or expands in proportion to one's courage" - Anais Nin
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