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  • FIRST POST
    • MeandO
    • By MeandO 16th May 17, 9:03 PM
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    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.
    Debt: CC @ 0%: £879
    Mortgage at 24/11/2016: £97,000
    Mortgage now: £79,294

    "Life shrinks or expands in proportion to one's courage" - Anais Nin
Page 6
    • MeandO
    • By MeandO 17th Jul 17, 9:28 AM
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    MeandO
    Really feeling today. My Mum's op is scheduled for today to determine the outlook - if she's well enough to undergo it.

    OH and I had a bit of a fall out last night too. We cleared the air as quick as it started, but I'm still feeling sad and upset about it all.

    I'm struggling to be positive about anything at the moment tbh.

    I did get a few things done yesterday afternoon though. I made most of the orders I needed to get done, so I can post them tonight or tomorrow. I also listed 5 more ebay bundles, 2 have sold overnight as BINs. I'll only clear about £10 in total after postage, but its £10 I didn't have before.
    I ordered a Christmas present for DS, £14.99 reduced from £60, so that will be hidden away when I pick it up this week.

    I popped to Home bargains and asda yesterday to pick up a few top-up shop bits. Also picked up a few things I didn't need, so I have confirmed that I must absolutely stay away from shops.

    The child benefit has been paid into the account, thank goodness. First time I have actually been waiting on it. I'm not sure what's going on with the tax credits, I am expeciting a small payment but they are notorious for doing their own thing, so I can't rely on it turning up. It's payday in 8 days anyway, so I'll be ok as long as we have another free weekend.
    Debt: CC @ 0%: £879
    Mortgage at 24/11/2016: £97,000
    Mortgage now: £79,294

    "Life shrinks or expands in proportion to one's courage" - Anais Nin
    • kirtsypoos
    • By kirtsypoos 17th Jul 17, 9:59 AM
    • 2,971 Posts
    • 13,203 Thanks
    kirtsypoos
    I hope all goes well with your mums op. I'm not surprised you are struggling to be positive with everything you have going on, but please take care x
    £450/3000 OH BC(85% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £450/31010.23 (98.54% paid)
    Mortgage - £161,950.00 (2017 O/P £1774.74) PAYDBX 17 #006 - £16241.98/14,539.71
    • MeandO
    • By MeandO 17th Jul 17, 10:10 AM
    • 1,058 Posts
    • 5,261 Thanks
    MeandO
    I hope all goes well with your mums op. I'm not surprised you are struggling to be positive with everything you have going on, but please take care x
    Originally posted by kirtsypoos

    Thank you Kirtsypoos, really appreciate your kind words.

    xx
    Debt: CC @ 0%: £879
    Mortgage at 24/11/2016: £97,000
    Mortgage now: £79,294

    "Life shrinks or expands in proportion to one's courage" - Anais Nin
    • MeandO
    • By MeandO 17th Jul 17, 11:02 AM
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    • 5,261 Thanks
    MeandO
    I've just checked my tax credits payment online. It's dropped from £41 a month to £18.90 a month despite my earnings being less than before, my self employment profit being £1500 less than I'd estimated and me working more hours. How on earth do they figure this out?!
    Debt: CC @ 0%: £879
    Mortgage at 24/11/2016: £97,000
    Mortgage now: £79,294

    "Life shrinks or expands in proportion to one's courage" - Anais Nin
    • MeandO
    • By MeandO 17th Jul 17, 11:16 AM
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    • 5,261 Thanks
    MeandO
    Just phoned them. Apparently there's an error on the site and it's only showing the first payment due on 18th which is what they underpaid me last year. I should then get a payment of £120 the following day and then £99 a month regularly. That will really help the budgets, so that's a relief. The way I feel at the moment, if they'd said I was only entitled to £18 a month now I would've cried.
    Debt: CC @ 0%: £879
    Mortgage at 24/11/2016: £97,000
    Mortgage now: £79,294

    "Life shrinks or expands in proportion to one's courage" - Anais Nin
    • MeandO
    • By MeandO 17th Jul 17, 12:02 PM
    • 1,058 Posts
    • 5,261 Thanks
    MeandO
    Just joined another survey site and gained £1.87 CB with TCB for doing so. Have tried to participate in my first survey but it won't load properly, so I'll try at home tonight.
    Debt: CC @ 0%: £879
    Mortgage at 24/11/2016: £97,000
    Mortgage now: £79,294

    "Life shrinks or expands in proportion to one's courage" - Anais Nin
    • Bobarella
    • By Bobarella 17th Jul 17, 4:36 PM
    • 10,473 Posts
    • 69,439 Thanks
    Bobarella
    Hi MeandO

    Sorry to hear you had a falling out with your OH. I snapped at mine too, over him pointing out quite calmly that an item of clothing I was putting on had a hole in it. Sort of just felt like, yes, everything is old and tatty and needs replacing, thanks so much for actually saying it, especially when you know the reason why!

    Such a challenge to be positive all the time isnt it.

    Bob
    " 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
    • MeandO
    • By MeandO 18th Jul 17, 12:02 PM
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    • 5,261 Thanks
    MeandO
    It is Bob. Sometimes even with the best intentions and the greatest of efforts, positivity just escapes us, it's particularly difficult to find any after a 'long slog' of whatever it is we're all dealing with too.

    I hear you on the holy clothes... and I've been sporting a rather fetching hole through the sole of my shoes for the past few weeks so I'm matching!

    Love and hugs Bob, hope things get better for you soon too xx
    Debt: CC @ 0%: £879
    Mortgage at 24/11/2016: £97,000
    Mortgage now: £79,294

    "Life shrinks or expands in proportion to one's courage" - Anais Nin
    • MeandO
    • By MeandO 18th Jul 17, 12:25 PM
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    MeandO
    Long post was just deleted, so this is the short and sweet version:

    £20.10 hit account from survey site, along with £18 CTC. Sent £38 over to the bathroom savings fund. £115 to go to target needed to pay for the work. Should be able to throw some money from the outstanding CTC payments towards it.

    Loads of surveys received from new survey site and two original ones I'm a member of. Filled in one for £15 reward, took ages, but finally did it only to get an error message at the end, so have sent a query about that. Need to complete lots more of them this evening.

    Had to buy DS a new lunchbag in HB last night as his last one had gone mouldy. Picked up two - one for spares - as were only £1.99 including a flask. Picked up a few other bits not on list, but to put away for Christmas presents.

    Lunch is leftovers from a yummy storecupboard meal made last night. Dinner is all planned, no extras needed.

    Another business order to do and post, will need to spend some money on postage tonight and eczema cream as the stress is giving me a massive and very painful flare up.
    Debt: CC @ 0%: £879
    Mortgage at 24/11/2016: £97,000
    Mortgage now: £79,294

    "Life shrinks or expands in proportion to one's courage" - Anais Nin
    • Purplemumof2
    • By Purplemumof2 18th Jul 17, 12:50 PM
    • 5,071 Posts
    • 16,661 Thanks
    Purplemumof2
    Hi MeandO,

    Sending lots of hugs for your mum, hope that the op went well?

    Gggrr to TC but glad they sorted it out.

    Sympathies re argument with OH, must be something in the air as my DH has been grumpy too.

    You're doing great on the surveys too x
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7400.00 Cap 1: £562.23 BC: £4577.81 Overdraft: £2750.00

    AFD 5/10 NSD 2/10 LTW 10/15

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • MeandO
    • By MeandO 18th Jul 17, 12:58 PM
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    • 5,261 Thanks
    MeandO
    Thanks PMO2, op went well, but it was to obtain samples for diagnosis, so we have up to a two week wait to see what the situation is. Specialist has told her they're 89% certain it's worst-case though. I'm clinging onto the 11%.

    There definitely must be something in the air! Hope your Mr Grumpy finds some sunshine soon! XX
    Debt: CC @ 0%: £879
    Mortgage at 24/11/2016: £97,000
    Mortgage now: £79,294

    "Life shrinks or expands in proportion to one's courage" - Anais Nin
    • MeandO
    • By MeandO 18th Jul 17, 2:10 PM
    • 1,058 Posts
    • 5,261 Thanks
    MeandO
    £5 reward claimed from survey site and credited to my Amazon account. Hope to build up a nice stash towards Christmas.
    Debt: CC @ 0%: £879
    Mortgage at 24/11/2016: £97,000
    Mortgage now: £79,294

    "Life shrinks or expands in proportion to one's courage" - Anais Nin
    • MeandO
    • By MeandO 19th Jul 17, 10:16 AM
    • 1,058 Posts
    • 5,261 Thanks
    MeandO
    Lots more surveys completed, still nervous about not getting the rewards for the big survey I completed as had a generic 'wait and see for 10 days' email back from them, will keep an eye out for the points.

    Two items ended on ebay last night, bringing in just under £10. Profit more like £8 by the time postage paid, but better than nothing. I've printed the postage labels and will pop them in the post tomorrow.

    CTC payment no2 has hit the bank and I've swept £70 over to the bathroom fund. I've also transferred £40 to it from some business sales, so have reached the £975 target now. I will try and save a bit extra towards it though, just in case it runs over costs a little. I also need to try and save some towards the car maintenance pot which got wiped out with the other building work as it's my MOT next month. Will keep squirreling money away there as best I can. Also want to start paying off that credit card, even though it's at 0%. There is almost another £10 in the mortgage overpayment pot, but I'm wondering if I'd be better of paying off the credit card with it first and leaving overpayments until the credit card has gone.

    Need to update YNAB shortly with all the to-ings and fro-ings of money. I'm hoping it will show me that I can free up another £50 or so to throw at one of the pots, as long as I don't need to spend any money at the weekend. It's payday on Tuesday, so it should be fairly easy not to spend much, albeit a very small bit of grocery shopping if needed.

    I listed the higher value item on ebay last night, hoping to get £50 for it at least. Up to £5.50 and loads of watchers already so am hopeful.
    Debt: CC @ 0%: £879
    Mortgage at 24/11/2016: £97,000
    Mortgage now: £79,294

    "Life shrinks or expands in proportion to one's courage" - Anais Nin
    • MeandO
    • By MeandO 19th Jul 17, 10:54 AM
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    • 5,261 Thanks
    MeandO
    So, I just rounded up a small OP payment off the mortgage to £11.06 - the odd number was bugging me.
    Debt: CC @ 0%: £879
    Mortgage at 24/11/2016: £97,000
    Mortgage now: £79,294

    "Life shrinks or expands in proportion to one's courage" - Anais Nin
    • MeandO
    • By MeandO 19th Jul 17, 11:44 AM
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    • 5,261 Thanks
    MeandO
    Thanks to YNAB, another bit of money has been shifted around the bank account pots, there's another £8 in the car/house funds and 60p in the OP fund.
    I have around £14 left for groceries until Tuesday, but also have £10 in my purse, so all will be fine.

    Also noticed that I hadn't been refunded for the order I placed at 'BandQ' that was out of stock, despite their system telling me it was in stock, (2nd time this happened in a week with two different stores, never will I be using that site again). After a lengthy phonecall, they've finally refunded the £50 to my credit card.
    Debt: CC @ 0%: £879
    Mortgage at 24/11/2016: £97,000
    Mortgage now: £79,294

    "Life shrinks or expands in proportion to one's courage" - Anais Nin
    • MeandO
    • By MeandO 19th Jul 17, 12:30 PM
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    • 5,261 Thanks
    MeandO
    The last ebay payment I was waiting for has paid up so I've purchased the postage and sent the remaining £3.15 to the bank account. Seems a pittance for the items I sold, but it's better than nothing I suppose.
    Think I'll shove that into the OP pot and build it up again to another £10.

    Had a lovely lunch of a small portion of previously leftover tarka daal pulled out of the freezer, with some chopped tomato and a little bit of mashed banana and small piece of toast for 'pudding'. Random, but lovely! I shudder at the thought of all that money I used to spend on buying work lunches daily.
    Debt: CC @ 0%: £879
    Mortgage at 24/11/2016: £97,000
    Mortgage now: £79,294

    "Life shrinks or expands in proportion to one's courage" - Anais Nin
    • MeandO
    • By MeandO 19th Jul 17, 9:18 PM
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    • 5,261 Thanks
    MeandO
    I've packed up all the ebay packages sold so far, along with two business orders ready to post tomorrow.

    Today has been a NSD apart from the ebay postage, but that was paid for with the paypal account from the ebay sales so I'm not counting that.

    I managed to do a bit more DIY tonight and put a blind up in the spare bedroom that I bought a while ago. I also cut down another one ready to put up in my office room. I was originally going to order blinds to the correct size but after seeing that they were going to cost over £70 each I decided against it and bought ones from Dnelm ranging from £9 - £18! They did need to be cut down which was a horrible job but it's saved me a lot of money. I have one that is unopened that I no longer need, but I cant find the receipt. I knw they still sell it so I may take it back and ask if they'll swap it or give me a credit note.

    DS and I did some baking when he got in from school which he enjyed. I sometimes struggle with ideas of things to do after school with him, but we do enjoy baking.

    I've tried to do a few more surveys tonight but the site seems very glitchy and chucks me out just before the end of the surveys or times out. I'm not impressed with this survey company so far, I've had lots of problems with their surveys already. I may build this one up to a voucher and then quit it and stick to the original two.

    DS's lunchbox is made, I just need to find something for my lunch tomorrow. I'm pretty sure there's another portion of daal in the freezer so I'll hunt that down shortly.

    Talking of food, I caught sight of myself in the full length mirrors earlier and was mortified. I look fat. Horribly fat and tired and old. I'm still in my 30s for goodness sake. I really need to do something about my health and my weight, it is creeping up and up. I a off to look at weight atchers online and see if I can find a deal for it, my life is such that I have no time to go to meetings without DS and it really would be a stressful event to take him with me, so I have to do this myself at home.
    Eating heathily is so difficult when you're time and money poor though. Any inspiration or tips very welcome! Xx
    Debt: CC @ 0%: £879
    Mortgage at 24/11/2016: £97,000
    Mortgage now: £79,294

    "Life shrinks or expands in proportion to one's courage" - Anais Nin
    • Eager_Elephant
    • By Eager_Elephant 20th Jul 17, 6:40 AM
    • 4,081 Posts
    • 21,905 Thanks
    Eager_Elephant
    Talking of food, I caught sight of myself in the full length mirrors earlier and was mortified. I look fat. Horribly fat and tired and old. I'm still in my 30s for goodness sake. I really need to do something about my health and my weight, it is creeping up and up. I a off to look at weight atchers online and see if I can find a deal for it, my life is such that I have no time to go to meetings without DS and it really would be a stressful event to take him with me, so I have to do this myself at home.
    Eating heathily is so difficult when you're time and money poor though. Any inspiration or tips very welcome! Xx
    Originally posted by MeandO
    You are doing really well with ebay and getting things done

    My mum and sister have been overweight forever and then in December they decided to eat healthy, my mum did it because she has hip and knee pain and of course the GP said it was her weight and she had to lose weight (I think it is osteoarthritis) and my sister lives at home so did it to support my mum.
    My sister has lost over 4 stone and my mum has lost 3 stone and my mum now weighs less than me. This has never been the case and now I am trying to eat healthy as well

    They didn't do any diet plan but they do log all their food in My Fitness Pal - to start with they just logged what they ate which generally was over 3000 calories a day. Then they started the healthy eating and kept to 1900 calories but usually only used 1500 per day.

    They are not eating diet food but more about healthy choices so for instance my mum would have 4 biscuits with her mid morning coffee, those biscuits were 85 calories each but now they have Mikado (4 fingers for 44 calories!!).

    If they have bread it is only 1 slice rather than 2. My sister has given up cheese but does have laughing cow triangles if she gets a craving.

    They also cook their main meals differently so they contain less calories so they use Frylight to cook with and also change the ingredients around.

    They have not done any exercise, it is all diet related.

    Tuesday is a treat day so they will have a bag of maltesers or something like that but they are finding it all a bit too sweet now as their taste buds have changed.
    Ninja Saving Turtle No. 20 for August
    NSD - 0/18
    (up to 01/09/17)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • MeandO
    • By MeandO 20th Jul 17, 9:25 AM
    • 1,058 Posts
    • 5,261 Thanks
    MeandO
    *off to buy Mikado this morning...*

    Thanks so much for your post Eager_Elephant.
    Wow, your sister and Mum have done so well, I bet they are both feeling the benefits after losing so much weight. I do have an app called nutracheck which is very much like myfitnesspal only a lot more user friendly. I think it cost me £3 or something, so was very cheap too! I use it on and off and I do like it, I just find life gets in the way and I get too busy and tired to think about what I'm eating before it's in my mouth. I used to go to the gym several times a week and so eating what I like wasn't an issue then. I also found I naturally ate a lot healthier when I was exercising regularly, but my life just does not give up the free time for me to do that anymore and I'm just so exhausted by 6pm that I do what needs doing in the house, work on my business and then collapse into bed.

    I have logged my food for today though and am actually out of the office at a meeting later this morning so will pop into the supermarket next door and pick up some nice fish and veg for tea and some fruit to snack on.

    I actually took a picture of myself last night, sat on the bed looking horrendous (don't worry, I was fully clothed! ) and looking at that alone is enough to supr me on I think. I don't know what my super-fit, healthy OH sees in me.
    Debt: CC @ 0%: £879
    Mortgage at 24/11/2016: £97,000
    Mortgage now: £79,294

    "Life shrinks or expands in proportion to one's courage" - Anais Nin
    • MeandO
    • By MeandO 21st Jul 17, 10:27 AM
    • 1,058 Posts
    • 5,261 Thanks
    MeandO
    Loads of surveys done this morning, £9.65 spent on top up shop and some treats last night and £14 spent in Aldi on some fish and fresh veg. It's going to be a money lean weekend!
    Debt: CC @ 0%: £879
    Mortgage at 24/11/2016: £97,000
    Mortgage now: £79,294

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