Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • better_times
    • By better_times 13th Jul 17, 11:14 AM
    • 35Posts
    • 141Thanks
    better_times
    My name says it all, dreaming of better times
    • #1
    • 13th Jul 17, 11:14 AM
    My name says it all, dreaming of better times 13th Jul 17 at 11:14 AM
    Hi I'm going to hit 40 in April and have learnt over the last few months to budget (ok took me long enough for reality to hit).


    Currently I have:
    £31604.16 from £35000 left to pay to a loan me and my ex took out for home improvements long story but I have to get this paid off, £3395.83 paid so far
    £12908.56 to everything else currently setting all this up with step change.


    So the plan is to eat away at the debt and get free by September 2019 it's going to be a huge uphill climb but this time I want to get debt free for good and start fresh


    Things that are on my side at the moment I have two jobs that I love, and a daughter that is an amazing support.


    Julys Plan:


    Run my freezers right down, no more buying food until they are both a lot emptier than they are right now.
    Use all the cereal up (I have lots of bits and bobs in bags)
    Meal plan (because quite frankly I don't do it)
    Take lunches to work


    This month will be focused on food completely and make a star there I will then hopefully carry this on and start saving. I am going to focus on an area each month at a time
    Sealed Pot Challenge 441
    Loan £35,000 February 17/£30845.78 to date
    Step Change £12908.56
    July focus Food

Page 2
    • better_times
    • By better_times 24th Jul 17, 3:12 PM
    • 35 Posts
    • 141 Thanks
    better_times
    Chrystal I just clicked the freezer, fridge or pantry bit and scanned a lot of the stuff in, I ignored the use by date bit and just estimated it


    I know MM I was fuming had a right strop, it went up by pennies at a time then bang at the £20 mark lets just add an extra penny
    Sealed Pot Challenge 441
    Loan £35,000 February 17/£30845.78 to date
    Step Change £12908.56
    July focus Food

    • moneymanager
    • By moneymanager 24th Jul 17, 3:22 PM
    • 355 Posts
    • 1,536 Thanks
    moneymanager
    I know MM I was fuming had a right strop, it went up by pennies at a time then bang at the £20 mark lets just add an extra penny
    Originally posted by better_times
    I totally get this. Sometimes I think they are rigged.
    SPC10 #283: £79.96/£150 | £2 #58 | 50p #27 | 20p #35 | ROADKILL: £0.05
    2017: TESCO CHRISTMAS SAVER: £90/£200 TESCOS VOUCHERS: £29 BONUS: £3 TOTAL £122
    Total Debt: £7,518.20/£419.70 = 100%/5.58% | Mortgage £61,490.79/£61,088.86 | Car Loan: £
    My Money Managing Ways
    • better_times
    • By better_times 27th Jul 17, 1:06 PM
    • 35 Posts
    • 141 Thanks
    better_times
    My meal plan went a bit wonky yesterday, DD went out for dinner then I forgot to take the stuff out of the freezer, so I had jacket potato with baked beans, cheese and salad but that used the last of my salad up and I cut the rest of the peppers up bagged and froze them, I might have a bits and bobs dinner as when I was sorting the freezer I have a few onion rings, about 4 chicken nuggets, a few wedges, and a couple of waffles so I will do that this Saturday I think and get rid of it all. I also have baked beans in the cupboard so that will make a full dinner up.


    Not a lot going on at the moment just need to keep on track and plugging away at not spending. Can't wait to get my evening work back really missing it not just for the money but the fun of working there too. They are really nice people to work for and we always have a laugh.


    well back to work for me
    Sealed Pot Challenge 441
    Loan £35,000 February 17/£30845.78 to date
    Step Change £12908.56
    July focus Food

    • better_times
    • By better_times 31st Jul 17, 1:37 PM
    • 35 Posts
    • 141 Thanks
    better_times
    New week and that means a new meal plan:


    Today: King prawn green Thai curry and rice
    Tuesday: Steak sliders with wedges and peas
    Wednesday: Cottage pie with broccoli
    Thursday: Sausage mash and peas
    Friday: HM pizza with whatever I find to use up thinking vegetarian option
    Saturday: Chicken in white wine stuffed into large pasta shells I need to use up
    Sunday: Belly pork, roast potatoes, carrots


    Still going through my freezer and Friday slowly, there is actually room in both freezers not a lot but a bit, I made marble cake yesterday as I have loads of baking stuff to use up, and I mean loads, frosted it with some orange chocolate I found didn't cover the top but looked nice drizzled over the top.


    I am going to make bread this week to use my bread flour up and some more will be used in the pizza base. Well back off to work.
    Sealed Pot Challenge 441
    Loan £35,000 February 17/£30845.78 to date
    Step Change £12908.56
    July focus Food

    • moneymanager
    • By moneymanager 31st Jul 17, 1:45 PM
    • 355 Posts
    • 1,536 Thanks
    moneymanager
    It's good to get things used up. I think baking is great. Just a pity it's not great for the waist line.

    I made porridge bread and banana bread at the weekend.
    SPC10 #283: £79.96/£150 | £2 #58 | 50p #27 | 20p #35 | ROADKILL: £0.05
    2017: TESCO CHRISTMAS SAVER: £90/£200 TESCOS VOUCHERS: £29 BONUS: £3 TOTAL £122
    Total Debt: £7,518.20/£419.70 = 100%/5.58% | Mortgage £61,490.79/£61,088.86 | Car Loan: £
    My Money Managing Ways
    • better_times
    • By better_times 1st Aug 17, 11:48 AM
    • 35 Posts
    • 141 Thanks
    better_times
    £35000/£31004.16 £600 paid



    My loan is another £600 down, they stopped the interest so everything comes off what I owe now. So pleased that next month it will be in the 30k range. I've just got to send some paperwork to step change and it should start next month,
    Sealed Pot Challenge 441
    Loan £35,000 February 17/£30845.78 to date
    Step Change £12908.56
    July focus Food

    • moneymanager
    • By moneymanager 1st Aug 17, 12:33 PM
    • 355 Posts
    • 1,536 Thanks
    moneymanager
    Brilliant BT

    It will go do quickly now.
    SPC10 #283: £79.96/£150 | £2 #58 | 50p #27 | 20p #35 | ROADKILL: £0.05
    2017: TESCO CHRISTMAS SAVER: £90/£200 TESCOS VOUCHERS: £29 BONUS: £3 TOTAL £122
    Total Debt: £7,518.20/£419.70 = 100%/5.58% | Mortgage £61,490.79/£61,088.86 | Car Loan: £
    My Money Managing Ways
    • better_times
    • By better_times 8th Aug 17, 1:46 PM
    • 35 Posts
    • 141 Thanks
    better_times
    This week I haven't made a meal plan but instead put everything from the fridge in a box that needs using as we go away on Saturday for the week can't wait to get away and praying for better weather.


    I did the meerkat movies trick today as DD goes with friends and her B/F a lot and it means they can pay half price each, it will save her money and only cost £1,20.


    Not a lot else happening this week just washing ironing, and packing to get done
    Sealed Pot Challenge 441
    Loan £35,000 February 17/£30845.78 to date
    Step Change £12908.56
    July focus Food

    • better_times
    • By better_times 21st Aug 17, 12:53 PM
    • 35 Posts
    • 141 Thanks
    better_times
    Well back from my holiday and we had the best time ever so relaxing and the weather was great a few hours of rain but we sat in a caf! drinking hot chocolate while bear people watched, he was so well behaved first holiday and he loved it he spent the whole time looking like he was smiling. Back to work with a bang first night on the evening job was the day we got back and back to my day job today, struggled getting up this morning. I have started a bullet journal and really enjoying it. We went a little over budget, but it was a holiday so not too bothered really.


    Meal plan for this week:


    Monday Tuna and sweet corn with pasta
    Tuesday HM doner meat and salad in pittas, and tomato relish
    Wednesday Leftover doner etc
    Thursday Diet Fanta chicken and rice
    Friday Leftover chicken
    Saturday Battered cod and HM wedges with salad
    Sunday Diet coke gammon, potatoes, carrots and peas
    Sealed Pot Challenge 441
    Loan £35,000 February 17/£30845.78 to date
    Step Change £12908.56
    July focus Food

    • Kittychick
    • By Kittychick 21st Aug 17, 2:29 PM
    • 144 Posts
    • 363 Thanks
    Kittychick
    You're doing so much better than me using up your freezer.... We do sometimes have tight weeks where we have to barely shop so I like the comfort blanket of a full-ish freezer and will always stock up when I can if it's a good price-Morrs near us seems to have had Quorn fillets on offer for £1 for months so I try unless I'm really pushed to get one a week if I can.... Good luck with sticking with it, I think that's the secret of success, just keeping going x
    • better_times
    • By better_times 23rd Aug 17, 10:24 AM
    • 35 Posts
    • 141 Thanks
    better_times
    Hi Kitty thank you for your reply, I know what you mean about safety blanket I do this too it's a habit I'm trying to break.


    Well a big set back yesterday £190 to get a lock smith out as my barrel was broken, thankfully I have a bit of savings so didn't hurt my main budget at all. It makes you realise how much and emergency fund matters when this happens so I will be saving one up asap.
    Sealed Pot Challenge 441
    Loan £35,000 February 17/£30845.78 to date
    Step Change £12908.56
    July focus Food

    • better_times
    • By better_times 1st Sep 17, 8:56 AM
    • 35 Posts
    • 141 Thanks
    better_times
    Everything has been a bit hectic the last few days (well the last week if I'm honest), I have stuck to the emptying freezer plan and I have one whole draw empty (huge achievement for me). I have made the £600 payment to the loan so that's come down a bit more, back working in the evenings again as well as the day and slowly decorating my house, found some lovely wallpaper for the top of my stairs at £1 a roll so I snapped it up and I already have the paint so this weekend I'm going to get cracking on it.


    Not a lot else going on ATM it just seems to be all work, work, work.
    Sealed Pot Challenge 441
    Loan £35,000 February 17/£30845.78 to date
    Step Change £12908.56
    July focus Food

    • moneymanager
    • By moneymanager 8th Sep 17, 4:09 PM
    • 355 Posts
    • 1,536 Thanks
    moneymanager
    Hope the decorating is coming on.
    SPC10 #283: £79.96/£150 | £2 #58 | 50p #27 | 20p #35 | ROADKILL: £0.05
    2017: TESCO CHRISTMAS SAVER: £90/£200 TESCOS VOUCHERS: £29 BONUS: £3 TOTAL £122
    Total Debt: £7,518.20/£419.70 = 100%/5.58% | Mortgage £61,490.79/£61,088.86 | Car Loan: £
    My Money Managing Ways
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

1,783Posts Today

6,839Users online

Martin's Twitter
  • Shana tova umetuka - a sweet Jewish New Year to all celebrating. I won't be online the rest of t'week, as I take the time to be with family

  • Dear Steve. Please note doing a poll to ask people's opinion does not in itself imply an opinion! https://t.co/UGvWlMURxy

  • Luciana is on the advisory board of @mmhpi (we have MPs from most parties) https://t.co/n99NAxGAAQ

  • Follow Martin