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  • FIRST POST
    • Dolly Rocker
    • By Dolly Rocker 2nd Jul 17, 12:55 PM
    • 3,290Posts
    • 9,287Thanks
    Dolly Rocker
    The life and times of Dolly.........
    • #1
    • 2nd Jul 17, 12:55 PM
    The life and times of Dolly......... 2nd Jul 17 at 12:55 PM
    So I wanted to start this new long term diary as I want to put down some plans in my head & feel that this is the best way to do it.

    I am going to split my goals up a little, some will be never ending but some will come to a close when I meet the goals so here goes...............

    Lifetime Goals
    Debt free - ONGOING
    Get to 10st 7lbs - ONGOING
    Save our home deposit - NOT STARTED
    Pay off our mortgage - NOT STARTED
    Save for retirement - NOT STARTED
    Take a world cruise - NOT STARTED
    Retire and enjoy life - LONG WAY TO GO YET!


    Neverending Lifetime Goals
    Pay for Christmas and Birthday with surveys - ONGOING
    Save a 6 month emergency fund - NOT STARTED
    Save for home improvements - NOT STARTED
    Save for holidays - ONGOING
    Stay at 10st 7lbs - NOT STARTED
    Save the smoosh - ONGOING

    Dxxx
    Last edited by Dolly Rocker; 02-07-2017 at 1:12 PM.
    Goals
    Debt free by Christmas 2017
    Save for Christmas 2017
    Goal weight of 10st 7lbs by Christmas
    Add to deposit savings
Page 3
    • Dolly Rocker
    • By Dolly Rocker 5th Jul 17, 9:56 AM
    • 3,290 Posts
    • 9,287 Thanks
    Dolly Rocker
    Pay for Christmas and Birthday with surveys - ONGOING
    £23.10 - Onepoll (cash out £40.00)
    £42.00 - Populuslive (cash out £50.00)
    £2.10 - Prolific Academic (cash out £20.00 so no fee)
    £11.00 - Valued Opinions
    318 points - Receipt Hog (1000 points = £3.00 Amazon
    £63.90 - Amazon (gained through surveys)
    £43.53 - Nectar
    £59.89 - Boots
    £4.42 - Superdrug

    increased since last post

    Have a Christmas gift & a wee something for myself in my Amazon basket totaling £94.94, I need to get £31.04 in Amazon vouchers in order to pay this in full so that is the mission!

    Dxxx
    Goals
    Debt free by Christmas 2017
    Save for Christmas 2017
    Goal weight of 10st 7lbs by Christmas
    Add to deposit savings
    • monz
    • By monz 5th Jul 17, 10:10 AM
    • 2,660 Posts
    • 7,291 Thanks
    monz
    Was it the Whetherspoons? accross the road? :P I remember we used to go there all time when I worked there after... though I cd not drink... was preggers xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £5,741.18/10,000
    mums xmas vouchers boots (surveys ) 20/50
    Christmas - 0/400
    Australia 2019 - /5000
    • Dolly Rocker
    • By Dolly Rocker 5th Jul 17, 10:20 AM
    • 3,290 Posts
    • 9,287 Thanks
    Dolly Rocker
    monz - Nah that's been shut for months so it has. We went to Kitty O'Sheas.

    Dxxx
    Goals
    Debt free by Christmas 2017
    Save for Christmas 2017
    Goal weight of 10st 7lbs by Christmas
    Add to deposit savings
    • monz
    • By monz 5th Jul 17, 10:27 AM
    • 2,660 Posts
    • 7,291 Thanks
    monz
    aw no way!! Never even knew lol! Will be by your work today next to Sainsburys on my lunch handing into accountants lol Will wave to you at the building :P xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £5,741.18/10,000
    mums xmas vouchers boots (surveys ) 20/50
    Christmas - 0/400
    Australia 2019 - /5000
    • Dolly Rocker
    • By Dolly Rocker 5th Jul 17, 12:10 PM
    • 3,290 Posts
    • 9,287 Thanks
    Dolly Rocker
    My IOU's.......
    IOU
    £160.00 - Owed to my savings

    Why oh why do I do this

    I'm taking control of it now, no more IOUs & at least I only owe this time to my savings not to a CC.

    Won't be able to pay anything back this month, but from August 2017 I will need to pay back £32.00 a month at least to get it back to even for December 2017.

    Dxxx
    Goals
    Debt free by Christmas 2017
    Save for Christmas 2017
    Goal weight of 10st 7lbs by Christmas
    Add to deposit savings
    • in need of direction
    • By in need of direction 5th Jul 17, 12:22 PM
    • 4,507 Posts
    • 25,215 Thanks
    in need of direction
    What did you spend it on?
    Mortgage at 01.01.14 £119,481.83 today £81,750.18, target £75,000 by 31/12/17 Offset fund today £3,975.43 target £5,500 by 31/12/17
    Emergency fund £5.5k & £200 cash.
    Current weight loss 1/34 by 28 feb 2018
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • Dolly Rocker
    • By Dolly Rocker 5th Jul 17, 12:41 PM
    • 3,290 Posts
    • 9,287 Thanks
    Dolly Rocker
    Tequila, shopping, tickets for a match, food & no idea what else!

    Honestly I drop the ball for a second & bam!

    Need to stop.

    Dxxx
    Goals
    Debt free by Christmas 2017
    Save for Christmas 2017
    Goal weight of 10st 7lbs by Christmas
    Add to deposit savings
    • in need of direction
    • By in need of direction 5th Jul 17, 1:29 PM
    • 4,507 Posts
    • 25,215 Thanks
    in need of direction
    Oh well, at least it wasn't wasted
    Mortgage at 01.01.14 £119,481.83 today £81,750.18, target £75,000 by 31/12/17 Offset fund today £3,975.43 target £5,500 by 31/12/17
    Emergency fund £5.5k & £200 cash.
    Current weight loss 1/34 by 28 feb 2018
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • Dolly Rocker
    • By Dolly Rocker 8th Jul 17, 9:07 PM
    • 3,290 Posts
    • 9,287 Thanks
    Dolly Rocker
    Pay for Christmas and Birthday with surveys - ONGOING
    £24.90 - Onepoll (cash out £40.00)
    £45.00 - Populuslive (cash out £50.00)
    £4.20 - Prolific Academic (cash out £20.00 so no fee)
    £0.25 - Valued Opinions
    £3.00 - Pinecone
    25 points - Opinion Outpost (50 points = £2.50 Paypal)
    395 points - Receipt Hog (1000 points = £3.00 Amazon)
    £83.90 - Amazon (gained through surveys)
    £38.98 - Paypal (gained through surveys)
    £43.77 - Nectar
    £59.89 - Boots
    £4.42 - Superdrug

    Increased since last post

    Okay so Valued Opinions has gone down as I just cashed in another £15.00 for an Amazon voucher.

    Pinecone have £3.00 on there but requested to cash out tonight so waiting on £3.00 to clear in my Paypal balance for that.

    Dxxx
    Goals
    Debt free by Christmas 2017
    Save for Christmas 2017
    Goal weight of 10st 7lbs by Christmas
    Add to deposit savings
    • Dolly Rocker
    • By Dolly Rocker 9th Jul 17, 12:28 PM
    • 3,290 Posts
    • 9,287 Thanks
    Dolly Rocker
    6th Anniversary Treats.........
    £126.00 - Jacobite Steam Train
    £160.00 - The Moorings Hotel
    £135.00 - Dumfries Arms Hotel Honeymoon Suite, DBB
    £49.00 - Turnberry Afternoon Tea
    £366.00 - Spendies

    We always go a bit spendy around Anniversary time but we deserve it

    Used CC
    Savings

    So a bit of a mix this year but this is honestly been the best we have ever budgeted for this.

    Jacobite was booked last year when I was still spending too much on the CCs - my bad

    The Moorings was PIF with £1.00 coins out of fat little Priscilla the piggy bank Dumfries Arms stay & Turnberry afternoon tea both paid for with a mix of £1.00, £2.00 & £0.50 coins we had building up all over the place, cashed them in this week. Also these 2 were purchased on Itison so got great deals on both

    The spendies I have listed as a bit of a mix, the reason for this is because I paid £300 less to the debt a couple of months ago to keep this in the main account as I knew we would be needing it & the rest is from coins saved up.

    Suppose it's an improvement & that's all that matters eh?!?!?

    Dxxx
    Goals
    Debt free by Christmas 2017
    Save for Christmas 2017
    Goal weight of 10st 7lbs by Christmas
    Add to deposit savings
    • in need of direction
    • By in need of direction 9th Jul 17, 2:14 PM
    • 4,507 Posts
    • 25,215 Thanks
    in need of direction
    That's amazing that so little was spent on cards. Look at how it would have been two years ago. I love that you manage to enjoy life while keeping going.
    Mortgage at 01.01.14 £119,481.83 today £81,750.18, target £75,000 by 31/12/17 Offset fund today £3,975.43 target £5,500 by 31/12/17
    Emergency fund £5.5k & £200 cash.
    Current weight loss 1/34 by 28 feb 2018
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • Dolly Rocker
    • By Dolly Rocker 9th Jul 17, 2:22 PM
    • 3,290 Posts
    • 9,287 Thanks
    Dolly Rocker
    Like you say INOD progress not perfection.

    I want perfection next year though, just putting it out there in the universe

    Oh we love a wee treat, couldn't get through this process without them.

    Life if for living

    Dxxx
    Goals
    Debt free by Christmas 2017
    Save for Christmas 2017
    Goal weight of 10st 7lbs by Christmas
    Add to deposit savings
    • Dolly Rocker
    • By Dolly Rocker 9th Jul 17, 3:30 PM
    • 3,290 Posts
    • 9,287 Thanks
    Dolly Rocker
    Use up before I buy more............
    So this applies to a number of different things but mainly stationary & toiletries!

    Does anyone else just continue to buy buy buy when they see a good deal or something that they want then realise they have like 100 of the same things at home - can't just be me?!?!

    So I am going to do an inventory then work through using up before I am able to buy anything else.

    I'll be back with an update later, might need to do it in stages I have hoarded that much

    Dxxx
    Goals
    Debt free by Christmas 2017
    Save for Christmas 2017
    Goal weight of 10st 7lbs by Christmas
    Add to deposit savings
    • monz
    • By monz 10th Jul 17, 10:19 AM
    • 2,660 Posts
    • 7,291 Thanks
    monz
    I see a bargain and I am right in. lol dont even stop to pause especially if lego for my boy lol xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £5,741.18/10,000
    mums xmas vouchers boots (surveys ) 20/50
    Christmas - 0/400
    Australia 2019 - /5000
    • Dolly Rocker
    • By Dolly Rocker 10th Jul 17, 10:26 AM
    • 3,290 Posts
    • 9,287 Thanks
    Dolly Rocker
    You can't ever pass up a lego bargain monz!

    I will need to start keeping en eye out, my niece & nephew love lego!

    Dxxx
    Goals
    Debt free by Christmas 2017
    Save for Christmas 2017
    Goal weight of 10st 7lbs by Christmas
    Add to deposit savings
    • Dolly Rocker
    • By Dolly Rocker 10th Jul 17, 4:02 PM
    • 3,290 Posts
    • 9,287 Thanks
    Dolly Rocker
    Pay for Christmas and Birthday with surveys - ONGOING
    £24.90 - Onepoll (cash out £40.00)
    £45.00 - Populuslive (cash out £50.00)
    £3.00 - Prolific Academic (cash out £20.00 so no fee)
    £1.00 - Valued Opinions
    25 points - Opinion Outpost (50 points = £2.50 Paypal)
    430 points - Receipt Hog (1000 points = £3.00 Amazon)
    £83.90 - Amazon (gained through surveys)
    £43.77 - Nectar
    £59.89 - Boots
    £4.42 - Superdrug

    Increased since last post

    Spent my Paypal balance on Harris Tweed goodies for myself Still classes as a treat right??

    Dxxx
    Goals
    Debt free by Christmas 2017
    Save for Christmas 2017
    Goal weight of 10st 7lbs by Christmas
    Add to deposit savings
    • GeorgianaCavendish
    • By GeorgianaCavendish 10th Jul 17, 4:29 PM
    • 507 Posts
    • 2,243 Thanks
    GeorgianaCavendish
    So this applies to a number of different things but mainly stationary & toiletries!

    Does anyone else just continue to buy buy buy when they see a good deal or something that they want then realise they have like 100 of the same things at home - can't just be me?!?!

    So I am going to do an inventory then work through using up before I am able to buy anything else.

    I'll be back with an update later, might need to do it in stages I have hoarded that much

    Dxxx
    Originally posted by Dolly Rocker
    I definitely am guilty of this! When I did an inventory a few months ago, I had about 7 packs of deodorant and 12 different shower gels. I'm getting much better at managing the stock levels now, it helps that we finally got round to putting shelves up in the storage cupboard so I can see everything in the same place.
    Georgiana, Duchess of Debt-shire's July 2017 Debt Totals: HSBC Loan £11,362.14 / MBNA £3318.34 / Barclaycard £6360.70 / Lloyds £3560 / Tesco £972.50/ Dreams £259

    And don't forget the Student Loan! £10,765.93 (April 2017)
    • Dolly Rocker
    • By Dolly Rocker 10th Jul 17, 4:56 PM
    • 3,290 Posts
    • 9,287 Thanks
    Dolly Rocker
    Aw glad its not just me Georgiana!

    Still haven't got round to making an inventory

    Picked out a nice orange OPI nail polish I have had for ages so have decided that until it is finished I will have orange nails

    Gonna just work through them all, might take me a while I have a lot of nail varnish!

    Dxxx
    Goals
    Debt free by Christmas 2017
    Save for Christmas 2017
    Goal weight of 10st 7lbs by Christmas
    Add to deposit savings
    • Poor_Single_lady
    • By Poor_Single_lady 10th Jul 17, 8:13 PM
    • 945 Posts
    • 3,433 Thanks
    Poor_Single_lady
    I do the stocking up Dolly. I have about 22 highlighters. I buy them for studying help and then forget. And I think this behaviour is on loop. For no purpose whatsoever.

    Loving your updates. Please Dont ever underestimate how inspirational you are. Helping us all. xx
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • Ammeretto
    • By Ammeretto 10th Jul 17, 8:33 PM
    • 156 Posts
    • 348 Thanks
    Ammeretto
    hope you don't mind me posting Dolly.
    I've been following your last diary and this one too.

    i think its great that so many of your spends for your anniversary came from savings.
    We had our 10 year anniversary this year and was really chuffed that i managed to save and budget for 90% of it too. previous years were not as organised.

    I'm not too bad with toiletries but stationary I have a thing for pens. I love them and i'm always buying more. I literally have about 15 pens stashed in my bag and i take my own pens into work (i don't like biros) I also love notebooks. I can't resist a shiny new notebook.
    Debt at LBM (Mar 14) - £29,981.66 + £11,320.91 Car & Bike HP + £799.78 HMRC tax credits = £42,102.35
    Credit card Debt Jul 17 - £18,900
    PAYDbyXMAS2017 #142 - £4,950 / £10,000
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