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  • FIRST POST
    • Purplemumof2
    • By Purplemumof2 18th Jul 17, 1:57 PM
    • 5,805Posts
    • 21,555Thanks
    Purplemumof2
    Unsinkable
    • #1
    • 18th Jul 17, 1:57 PM
    Unsinkable 18th Jul 17 at 1:57 PM
    New diary, I have been thinking about it for a while now. I have been back almost a year give or take two weeks and boy what a year that has been, reading back over my old diary.

    The title of my new diary comes from a Lucy Spraggan song, which the lyrics fit the mood at the moment.

    Reflection on the past year:
    * Current debt is now - £8500, this doesn't include the OD or the BC (yet!)
    * Changed jobs four times and looking to move again, hopefully for the last time for a while
    * Moved house - This is my favourite one
    * Year Goals when I find them again are improving
    * Got a horrible situation with DS's ex-gf sorted
    * Still trying to get my MSE head to stay on, but I'm getting there slowly

    --------------------------------------------------------------------

    There are still improvements that need to be made but overall I/we are getting there. I think carefully about anything I go to buy.

    I am happy that I have rediscovered the survey sites and some new ones that I hadn't done before, my overall plan for next year is to build a stash up towards Christmas and birthdays, making 2018 as frugal as I can

    There are still things in the house that need sorting/unpacking/binning but it does feel like home and the kids love it and that to me is all that matters

    I like trying to get the most out of £2 per day, how sad is that?

    So as the song goes 'We won't abandon this ship. We are unsinkable'
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £6750.00 Cap 1: £456.79 BC: £8800.00
    AFD 3/14 NSD 3/14 LTW 6/14
    POAMAYC 2018 #041 PD £1194.42/£4000
    Savings for Christmas £60.84/£365
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
Page 48
    • Purplemumof2
    • By Purplemumof2 10th Feb 18, 3:07 PM
    • 5,805 Posts
    • 21,555 Thanks
    Purplemumof2
    DS has had his hair cut £10 all in.

    Two lots of passport photos done, need to redo DS's as his one needs no glasses, not a total waste though as he needs one from today's for cadets, still £12 for both

    Remaining bits bought from Tesco, so apart from top up shop next week we're ok food wise.

    Ordered one of the wonky veg boxes from Morrisons and for £3.50 I'm quite impressed. Some will get used in the soups and for dinner tomorrow and the rest should see us until pay day. The ones we won't eat, I'll take to site and someone there will have them.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £6750.00 Cap 1: £456.79 BC: £8800.00
    AFD 3/14 NSD 3/14 LTW 6/14
    POAMAYC 2018 #041 PD £1194.42/£4000
    Savings for Christmas £60.84/£365
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • Nicnak
    • By Nicnak 10th Feb 18, 4:49 PM
    • 828 Posts
    • 4,637 Thanks
    Nicnak
    Passport photos are so expensive!

    I like the wonky veg boxes, so cheap, but the veg is perfectly fine. I!!!8217;ve not made soap in a while so might make some this week whilst I!!!8217;m off

    Enjoy xx
    September 6th 2017 - Updated 21st January 2018
    Credit Card £0 now: £1649 Tesco Loan £7500 = £11.20 Consolidation £15,000 = £14,547 Total = £25,330 £16,207 36% gone EMF #252 = £500/£1000
    Sealed pot challenge #589
    Pay off all your debts by Christmas #170
    • doingitanyway
    • By doingitanyway 10th Feb 18, 5:24 PM
    • 2,544 Posts
    • 12,123 Thanks
    doingitanyway
    I love the idea of Mr Ms wonky veg but my local store does not do the boxes and they don't deliver in my area. A shame

    I could shop for the veg individually but not boxes...
    JANUARY 2016/SECURED DEBT=24,822/February 2018=795
    MORTGAGE FREE 25/07/16
    • WannabeFree
    • By WannabeFree 10th Feb 18, 5:27 PM
    • 1,120 Posts
    • 9,180 Thanks
    WannabeFree
    Sounds like a busy day!

    I might try Mr M for delivery this week, I've never really shopped there though.

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • Purplemumof2
    • By Purplemumof2 11th Feb 18, 8:17 AM
    • 5,805 Posts
    • 21,555 Thanks
    Purplemumof2
    Morning,

    Happy Sunday

    Need to take my car back to the dealership today, it's come up with something, spoke to salesman last week who said it should've been sorted but would check and hasn't come back to me or returned my calls

    Roast beef for dinner.

    Need to change our bed today, bit embarrassed by how long it's been left

    Made some chunky veg soup yesterday, I've two portions for lunches next week and some in a bowl for lunch today, also something I can cross of my 218 list

    I was going to make spicy turkey soup today but I might make it in to a risotto instead. Soup may be too much during the week otherwise.

    Right, off to get motivated. Back later x
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £6750.00 Cap 1: £456.79 BC: £8800.00
    AFD 3/14 NSD 3/14 LTW 6/14
    POAMAYC 2018 #041 PD £1194.42/£4000
    Savings for Christmas £60.84/£365
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • doingitanyway
    • By doingitanyway 11th Feb 18, 9:21 AM
    • 2,544 Posts
    • 12,123 Thanks
    doingitanyway
    All sounding good. Good luck with the car
    JANUARY 2016/SECURED DEBT=24,822/February 2018=795
    MORTGAGE FREE 25/07/16
    • Seasidegal58
    • By Seasidegal58 11th Feb 18, 11:13 AM
    • 1,582 Posts
    • 9,441 Thanks
    Seasidegal58
    Hope the car gets sorted.
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    • Purplemumof2
    • By Purplemumof2 11th Feb 18, 11:40 AM
    • 5,805 Posts
    • 21,555 Thanks
    Purplemumof2
    All sounding good. Good luck with the car
    Originally posted by doingitanyway
    Hope the car gets sorted.
    Originally posted by Seasidegal58
    Thanks, car sorted. They'll ring me tomorrow to book it in, they'll collect and return it as its been an inconvenience to me.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £6750.00 Cap 1: £456.79 BC: £8800.00
    AFD 3/14 NSD 3/14 LTW 6/14
    POAMAYC 2018 #041 PD £1194.42/£4000
    Savings for Christmas £60.84/£365
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • WannabeFree
    • By WannabeFree 11th Feb 18, 12:22 PM
    • 1,120 Posts
    • 9,180 Thanks
    WannabeFree
    Glad the cars getting sorted.

    Your soup looks lovely!

    Have a lovely day x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • Purplemumof2
    • By Purplemumof2 11th Feb 18, 5:10 PM
    • 5,805 Posts
    • 21,555 Thanks
    Purplemumof2
    Your soup looks lovely!
    Originally posted by WannabeFree
    Thanks Hun, it was yummy xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £6750.00 Cap 1: £456.79 BC: £8800.00
    AFD 3/14 NSD 3/14 LTW 6/14
    POAMAYC 2018 #041 PD £1194.42/£4000
    Savings for Christmas £60.84/£365
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • Purplemumof2
    • By Purplemumof2 12th Feb 18, 3:26 PM
    • 5,805 Posts
    • 21,555 Thanks
    Purplemumof2
    Afternoon,

    Spoke to car place and they are coming on Friday to collect my car and bring it back the same day. The sales dept will pay for what needs sorting

    Meal plan sorted for the next two weeks, just need to stick to it.

    Should be an AFD today, hoping to get a few more in this week. I'm building it up slowly, rather than going cold turkey.

    Kids will hopefully have done their chores by the time I get home.

    Found out one of the labourers on site is £20+K in debt due to payday loans, he's only young and hasn't had his lightbulb moment yet, as he's in denial thinking it'll all be ok. I really hope that my kids don't end up in the situation we are in, let alone that vicious circle
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £6750.00 Cap 1: £456.79 BC: £8800.00
    AFD 3/14 NSD 3/14 LTW 6/14
    POAMAYC 2018 #041 PD £1194.42/£4000
    Savings for Christmas £60.84/£365
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • WannabeFree
    • By WannabeFree 12th Feb 18, 3:52 PM
    • 1,120 Posts
    • 9,180 Thanks
    WannabeFree
    I think once you're in the spiral of payday loans it feels impossible to get out. I've done it more than once and if it wasn't for someone stepping in, paying them off and stopping my access to them I would probably still be in that cycle now Sad but true.

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • Purplemumof2
    • By Purplemumof2 12th Feb 18, 3:56 PM
    • 5,805 Posts
    • 21,555 Thanks
    Purplemumof2
    Yup, I do feel for him but like most youngsters they want the latest gadgets now and not later. If he decides to ask for help, I'd direct him here
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £6750.00 Cap 1: £456.79 BC: £8800.00
    AFD 3/14 NSD 3/14 LTW 6/14
    POAMAYC 2018 #041 PD £1194.42/£4000
    Savings for Christmas £60.84/£365
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • Purplemumof2
    • By Purplemumof2 13th Feb 18, 8:24 AM
    • 5,805 Posts
    • 21,555 Thanks
    Purplemumof2
    Morning,

    What a horrible yukky gray wet day...definitely one for the ducks I think.

    Woke up feeling rather poo! Had a visit from mother nature on top of things, which doesn't help....TMI I know (sorry!)

    Homemade veg soup and bread for lunch, hopefully the vitamins will chase my cold away.

    First AFD of the week done, hoping to get more this week.

    Bank account checked, no need to move any money over, yet.

    Need to nip to the post office at lunch time and pick up a passport form for DD and get her sorted.

    Must also get a valentines card for DH.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £6750.00 Cap 1: £456.79 BC: £8800.00
    AFD 3/14 NSD 3/14 LTW 6/14
    POAMAYC 2018 #041 PD £1194.42/£4000
    Savings for Christmas £60.84/£365
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • debtaghh
    • By debtaghh 13th Feb 18, 8:35 AM
    • 1,112 Posts
    • 3,342 Thanks
    debtaghh
    Hope you feel better soon x
    Debt 16th October 2017: Cc £49,987- family £37,561: total debt £87549

    Current debt: Cc £46,325 , Family £ 36,922 total debt £83,317

    Frugal living challenge # 10- £8000 presents/ food/ entertainment/clothes/shoes/haircuts
    • WannabeFree
    • By WannabeFree 13th Feb 18, 11:59 AM
    • 1,120 Posts
    • 9,180 Thanks
    WannabeFree
    Hope you're feeling better soon

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • mummytogirls
    • By mummytogirls 13th Feb 18, 8:40 PM
    • 5,947 Posts
    • 21,300 Thanks
    mummytogirls
    Booo to the cold PMO2.

    Glad to hear the car is getting sorted and to the labourers debt. Could break into a sweat just thinking of that xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6069.37 - 02/01/18 - 73.80% paid off
    • Purplemumof2
    • By Purplemumof2 15th Feb 18, 1:28 PM
    • 5,805 Posts
    • 21,555 Thanks
    Purplemumof2
    Afternoon,

    Not been on my diary, as not much to report, feeling rough but I am working from home tomorrow so I won't need to rush about.

    PA really picked up this past few days and I'm waiting for some to clear then I can withdraw.

    OP is miles off withdrawal limit, as it PB.

    Failed on the AFD's, NSD's and LTW's this week due to feeling miserable.

    Will try again next week!
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £6750.00 Cap 1: £456.79 BC: £8800.00
    AFD 3/14 NSD 3/14 LTW 6/14
    POAMAYC 2018 #041 PD £1194.42/£4000
    Savings for Christmas £60.84/£365
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • mummytogirls
    • By mummytogirls 15th Feb 18, 4:29 PM
    • 5,947 Posts
    • 21,300 Thanks
    mummytogirls
    Boo to feeling rough PMO2, hope you're feeling brighter soon xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6069.37 - 02/01/18 - 73.80% paid off
    • doingitanyway
    • By doingitanyway 15th Feb 18, 6:50 PM
    • 2,544 Posts
    • 12,123 Thanks
    doingitanyway
    Sorry you are feeling low.
    Mother nature visited me too and I feel a bit low today.
    Be kind to yourself for a few days.
    JANUARY 2016/SECURED DEBT=24,822/February 2018=795
    MORTGAGE FREE 25/07/16
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