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
    • Dorastar
    • By Dorastar 2nd Aug 17, 6:03 PM
    • 1,728Posts
    • 14,998Thanks
    Dorastar
    Starting over 2017
    • #1
    • 2nd Aug 17, 6:03 PM
    Starting over 2017 2nd Aug 17 at 6:03 PM
    Just as the title suggests really, starting over after the ugliest of years ever. Family illness, my own illness and now losing my job means it's time to start over.
    Need to do my SoA so that's the plan over the next few days and then tackle everything head on, interest only mortgage, negative equity, credit card, bank loan, Tesco loan and get a new job/career. It ain't gonna be pretty but we will get there. Wish us luck
Page 4
    • Dorastar
    • By Dorastar 26th Sep 17, 11:42 AM
    • 1,728 Posts
    • 14,998 Thanks
    Dorastar
    Loitering rather than posting recently, had a lot of stuff on including flu but on the mend now, just dizzy spells left over to finish off with. Money wise, no idea tbh, have had to rely on hubby sorting stuff so we're probably skint and no money making either. By end of the week I hope to have stayed awake long enough to work out what's going on and start again.
    Mr T 14764.50 Bank 6331.44 CC PAID OFFMortgage £160,000
    Emergency Fund £854.29 Blanket squares 24/60
    • Dorastar
    • By Dorastar 30th Sep 17, 1:39 PM
    • 1,728 Posts
    • 14,998 Thanks
    Dorastar
    Need to get on with life but still lingering under this cold, its on its way out but has taken all the oomph out of my sails in the meantime. Need to update all the totals and shuffle some more money over to the debts. Have signed up to the Organise October thread to get my backside into gear - and staying off social media is my Stoptober challenge as I could waste whole days!
    Mr T 14764.50 Bank 6331.44 CC PAID OFFMortgage £160,000
    Emergency Fund £854.29 Blanket squares 24/60
    • DebtFreeDuo
    • By DebtFreeDuo 30th Sep 17, 1:53 PM
    • 195 Posts
    • 863 Thanks
    DebtFreeDuo
    Feel better soon so you can get back on with your goals. I had a quick look at the Organise October but didn't completely get what I would have to do, it looked like there was a lot to it and I just don't have much time at the moment for anything.
    Debt 14/10/17/20/9/17 5395.16/5690.50 = Loan: 2065.32/2207.38 Car Loan: 2292.94/2419.64 0% CC: 1036.90/1063.48 DFD April 19 (Target Dec 18).
    Make up to £10 a day challenge: £110.51/£150..NSD October 12/15
    • Dorastar
    • By Dorastar 30th Sep 17, 2:02 PM
    • 1,728 Posts
    • 14,998 Thanks
    Dorastar
    Think it will just help me do stuff, as I've been far too lazy. Am only picking some parts of it as I'm not in work at the moment so really I have no excuses!
    Mr T 14764.50 Bank 6331.44 CC PAID OFFMortgage £160,000
    Emergency Fund £854.29 Blanket squares 24/60
    • Purplebonnie
    • By Purplebonnie 30th Sep 17, 2:36 PM
    • 89 Posts
    • 522 Thanks
    Purplebonnie
    I have only picked parts of Organise October as I am hoping it will help me develop some healthy habits like sticking to a budget (and diet) and to stop spending willy nilly
    September 2017 Total Debt £37188.89 / DFD 01/05/22
    October 2017 Debt £36149.48 / DFD 01/04/22
    Extra Payments : 0.1% = £37.19 Total paid 0.3%
    MBNA - £5350.73

    October Food Budget : £200/£114.94 Extra Income £100 /£81.06
    SFD : 8/31 Weight Loss (Goal 8lbs) :
    • Dorastar
    • By Dorastar 30th Sep 17, 2:38 PM
    • 1,728 Posts
    • 14,998 Thanks
    Dorastar
    Ooh forgot to mention a PPI claim has come back and equals a months mortgage payment so as soon as it's in I'm going to send it across. Not bad for 10 mins work on the laptop - knew I'd had a good day yesterday!
    Mr T 14764.50 Bank 6331.44 CC PAID OFFMortgage £160,000
    Emergency Fund £854.29 Blanket squares 24/60
    • redofromstart
    • By redofromstart 30th Sep 17, 7:31 PM
    • 392 Posts
    • 2,001 Thanks
    redofromstart
    That's good on the PPI result.

    Hope you feel better soon.
    • Dorastar
    • By Dorastar 3rd Oct 17, 7:25 PM
    • 1,728 Posts
    • 14,998 Thanks
    Dorastar
    Still feeling lousy but a good day moneywise. Cancelled a direct debit with union as I'm not working so that's £30 a month saved. Rang last week to organise it and heard nothing back, cancelled direct debit today & they phoned within minutes!!! Sold a book that I won in a raffle so £16 up from that & £2 on a very old & washed scratch card. Paid hubby's car insurance in one go so that's another direct debit out of the way and started looking at house insurance, already seen I can cut it in half & probably pay it one go from hubby's overtime. Not a bad Tuesday.
    Mr T 14764.50 Bank 6331.44 CC PAID OFFMortgage £160,000
    Emergency Fund £854.29 Blanket squares 24/60
    • Dorastar
    • By Dorastar 7th Oct 17, 12:55 PM
    • 1,728 Posts
    • 14,998 Thanks
    Dorastar
    Still plodding onwards, haven't spent much so a frugal week but haven't made much either. No joy on the job front but since I've barely moved from my bed or the sofa that's not much of a surprise. Starting again on Monday with a fresh start.
    Mr T 14764.50 Bank 6331.44 CC PAID OFFMortgage £160,000
    Emergency Fund £854.29 Blanket squares 24/60
    • Dorastar
    • By Dorastar 8th Oct 17, 5:02 PM
    • 1,728 Posts
    • 14,998 Thanks
    Dorastar
    Paid off the credit card with some of the redundancy money today and listed a pile more books to sell. Reckon we've got enough food in already to make it a food shop free week. Cancelled a visit to a show that I wasn't fussed about so £14.99 back from that and the teen has paid me back for a pile of clothes she ordered so that money has been stashed away too as it feels like a bonus. Still waiting for my PT job to start which is annoying so focusing on the house and free stuff this week. Got to sort house insurance so going to try for a cheaper deal through a cashback site. Feeling better about life but desperate just to get on with stuff as I hate sitting and faffing around.
    Mr T 14764.50 Bank 6331.44 CC PAID OFFMortgage £160,000
    Emergency Fund £854.29 Blanket squares 24/60
    • Dorastar
    • By Dorastar 9th Oct 17, 3:26 PM
    • 1,728 Posts
    • 14,998 Thanks
    Dorastar
    £14.73 on food today and not planning on spending much more. Got lots of stuff in that needs eating up and going to bake some biccies & flapjack for extra snacks for the starving masses! Should be a no-spend day tomorrow as nothing exciting's happening at all.
    Mr T 14764.50 Bank 6331.44 CC PAID OFFMortgage £160,000
    Emergency Fund £854.29 Blanket squares 24/60
    • Dorastar
    • By Dorastar 10th Oct 17, 5:46 PM
    • 1,728 Posts
    • 14,998 Thanks
    Dorastar
    Bought carrots today and that's it - not been anywhere or done anything other than tidy and shuffle bits of papers. £20 in from surveys and the £14.99 for cancelled conference is being transferred back off credit card into main account. Want to fill up emergency find to £1000 by Friday and then any extra money coming in is going on Mr T's loan, I hate it hanging round our necks. Monthly payment for DS's school residential due tomorrow but apart from that another cheap one tomorrow.
    Mr T 14764.50 Bank 6331.44 CC PAID OFFMortgage £160,000
    Emergency Fund £854.29 Blanket squares 24/60
    • redofromstart
    • By redofromstart 10th Oct 17, 8:52 PM
    • 392 Posts
    • 2,001 Thanks
    redofromstart
    Did you do the baking? I did buns on Sunday but they are all gone now. I wish I was a hollow legged teenager.
    • Dorastar
    • By Dorastar 14th Oct 17, 2:27 PM
    • 1,728 Posts
    • 14,998 Thanks
    Dorastar
    I did snack bars and 30 minute bun recipes 👍
    Mr T 14764.50 Bank 6331.44 CC PAID OFFMortgage £160,000
    Emergency Fund £854.29 Blanket squares 24/60
    • Happierdays
    • By Happierdays 14th Oct 17, 7:01 PM
    • 144 Posts
    • 347 Thanks
    Happierdays
    Just catchung up with everyone Know what u mean about feeding the starving masses! Xx
    • Dorastar
    • By Dorastar 15th Oct 17, 11:27 PM
    • 1,728 Posts
    • 14,998 Thanks
    Dorastar
    Woop two potential interviews coming up in the next few weeks so feeling a bit more positive about life today. £20 food shop done but should see us through till Friday for most meals so pretty pleased with that. Tried some reduced jalapeno burgers for tea, it was nice to try something new, but won't be having them again - nearly died from the heat!
    Mr T 14764.50 Bank 6331.44 CC PAID OFFMortgage £160,000
    Emergency Fund £854.29 Blanket squares 24/60
    • Dorastar
    • By Dorastar 17th Oct 17, 9:34 PM
    • 1,728 Posts
    • 14,998 Thanks
    Dorastar
    Another cheap day today £9.36 on food as the menu plan wasn't as good as I thought! Regular payments to loans etc paid so the numbers are reducing slowly and still a few direct debits that can be cancelled. Have been through all our insurances and we are over-covered from when we bought our first house so can dump a couple of them. Still got to chase up some PPI claims that are claiming they don't know anything about us so that's on tomorrow's to-do list as is a quick trip to cash converters to declutter some stuff we don't need at all.
    Mr T 14764.50 Bank 6331.44 CC PAID OFFMortgage £160,000
    Emergency Fund £854.29 Blanket squares 24/60
    • DebtFreeDuo
    • By DebtFreeDuo 18th Oct 17, 7:54 AM
    • 195 Posts
    • 863 Thanks
    DebtFreeDuo
    Good luck with the interviews and with those PPI claims. Its always good to go through our bills, even the small ones to see where we can cut back and save those pennies.
    Debt 14/10/17/20/9/17 5395.16/5690.50 = Loan: 2065.32/2207.38 Car Loan: 2292.94/2419.64 0% CC: 1036.90/1063.48 DFD April 19 (Target Dec 18).
    Make up to £10 a day challenge: £110.51/£150..NSD October 12/15
    • Happierdays
    • By Happierdays 18th Oct 17, 9:43 AM
    • 144 Posts
    • 347 Thanks
    Happierdays
    Yes ditto good luck with the interviews - hope they come through for you x
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

147Posts Today

1,441Users online

Martin's Twitter
  • RT @furyboy86: @MartinSLewis I read your email, and decided to check my account interest rates. My main account = 0.0%(!) and my cash ISA =?

  • Yes. Theyre being paid. They're responsible. Especially for a scam that's been reported over 20 times andseen vulne? https://t.co/Q0pHZ7iH3W

  • Quite right.Broken system as the six week delay forces the most vulnerable into debt at a crisis moment https://t.co/951fogq5ej

  • Follow Martin