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  • FIRST POST
    • Dorastar
    • By Dorastar 2nd Aug 17, 6:03 PM
    • 1,802Posts
    • 15,338Thanks
    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 8
    • beanielou
    • By beanielou 2nd Jan 18, 8:25 PM
    • 49,570 Posts
    • 186,665 Thanks
    beanielou
    Proud of myself, rang Stepchange and talked through budget and everything. Can't have a DMP as we don't have enough money coming in to cover outgoings at the moment even if we cut things back to minimum in every area. Only option is to ask for a payment freeze while I job hunt some more...as per every day. Ah well...never mind.
    Originally posted by Dorastar
    It is a start though.
    When you get a job you can go further with the DMP
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • Dorastar
    • By Dorastar 2nd Jan 18, 8:34 PM
    • 1,802 Posts
    • 15,338 Thanks
    Dorastar
    I know, I am just impatient with things...and myself. Must remember that baby steps take time.
    Mr T 14370.78 Bank 5505.60 Mortgage £160,000
    Emergency Fund £904.29 Blanket squares 29/60
    • beanielou
    • By beanielou 2nd Jan 18, 8:35 PM
    • 49,570 Posts
    • 186,665 Thanks
    beanielou
    Baby seps take time.
    I am the Queen of them.
    Keep plodding
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • Dorastar
    • By Dorastar 3rd Jan 18, 8:28 AM
    • 1,802 Posts
    • 15,338 Thanks
    Dorastar
    £5 from Swagbucks, £16 from Panelbase, staying indoors today cos storm Eleanor is a nasty one!
    Mr T 14370.78 Bank 5505.60 Mortgage £160,000
    Emergency Fund £904.29 Blanket squares 29/60
    • Dorastar
    • By Dorastar 3rd Jan 18, 7:42 PM
    • 1,802 Posts
    • 15,338 Thanks
    Dorastar
    Small round of applause for contacting Mr T and getting a 30 day hold put on loan and then possibly moving to a £1 payment for a while....and breathe. Baby steps.
    Mr T 14370.78 Bank 5505.60 Mortgage £160,000
    Emergency Fund £904.29 Blanket squares 29/60
    • beanielou
    • By beanielou 3rd Jan 18, 7:47 PM
    • 49,570 Posts
    • 186,665 Thanks
    beanielou
    Small round of applause for contacting Mr T and getting a 30 day hold put on loan and then possibly moving to a £1 payment for a while....and breathe. Baby steps.
    Originally posted by Dorastar
    Well done you
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 3rd Jan 18, 9:24 PM
    • 2,927 Posts
    • 16,997 Thanks
    HairyHandofDartmoor
    Proud of myself, rang Stepchange and talked through budget and everything. Can't have a DMP as we don't have enough money coming in to cover outgoings at the moment even if we cut things back to minimum in every area. Only option is to ask for a payment freeze while I job hunt some more...as per every day. Ah well...never mind.
    Originally posted by Dorastar
    Well done for ringing them Dora .

    We were in the same situation and did token payments of £1 a month for two years, until we could withdraw the pension. It helps to buy time.
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund. Then save up for repairs to the house.
    Emergency Fund 1 = £818/Emergency Fund 2 = £36.76/Loss of Income Fund £0
    • Scott_Weiland
    • By Scott_Weiland 3rd Jan 18, 11:36 PM
    • 736 Posts
    • 1,836 Thanks
    Scott_Weiland
    Did you mention to stepchange your survey earnings on your income??? I know in some cases it only be 30-40pm but at times that can be enough to push your budget up to go on a dmp etc etc. I think with mine i told them i earn 50pm from surveys which is about right give or take.

    Only reason i say that is i noticed that fiver from swagbucks and bit money from pinecone.
    Cashback Earnings YTD £8.25 Survey Earnings YTD £38.38
    • Dorastar
    • By Dorastar 4th Jan 18, 12:27 PM
    • 1,802 Posts
    • 15,338 Thanks
    Dorastar
    I didn't tbh because we're way over budget which ever way you look at it, I will mention it going forward though but it's not consistent so hard to judge. Set up basic bank account with no problem this morning with hubby. He is finding it all really difficult because he is more a head in the sand and it will go away type. Found 9 jobs to apply for over the next week so that's a big positive too.
    Mr T 14370.78 Bank 5505.60 Mortgage £160,000
    Emergency Fund £904.29 Blanket squares 29/60
    • beanielou
    • By beanielou 4th Jan 18, 2:23 PM
    • 49,570 Posts
    • 186,665 Thanks
    beanielou
    Hope job applications go well.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • Chrystal
    • By Chrystal 4th Jan 18, 2:47 PM
    • 164 Posts
    • 1,190 Thanks
    Chrystal
    Keeping my fingers crossed for you Dora that things start to fall into place. X
    GC. Oct.17 = £261.18/ £300 = + £38.82 NSDs 20/31
    GC. Sept.17 = £354.89/£300 = - £54.39

    • Scott_Weiland
    • By Scott_Weiland 4th Jan 18, 2:59 PM
    • 736 Posts
    • 1,836 Thanks
    Scott_Weiland
    I didn't tbh because we're way over budget which ever way you look at it, I will mention it going forward though but it's not consistent so hard to judge. Set up basic bank account with no problem this morning with hubby. He is finding it all really difficult because he is more a head in the sand and it will go away type. Found 9 jobs to apply for over the next week so that's a big positive too.
    Originally posted by Dorastar

    Yeah i know its not always consistent, i just totalled my earnings for the last 3 months then averaged it out.
    Cashback Earnings YTD £8.25 Survey Earnings YTD £38.38
    • Dorastar
    • By Dorastar 4th Jan 18, 6:09 PM
    • 1,802 Posts
    • 15,338 Thanks
    Dorastar
    Thanks, will do that and add in part time job earnings too once I get my first wage packet, every little helps. Hubby is selling off some of his hobby stuff and so am I to clear some space and bring in a few extra pounds along the way. Focusing very much on job hunting for the next few weeks as that is the crucial thing missing from the equation at the moment.
    Mr T 14370.78 Bank 5505.60 Mortgage £160,000
    Emergency Fund £904.29 Blanket squares 29/60
    • Dorastar
    • By Dorastar 7th Jan 18, 1:58 PM
    • 1,802 Posts
    • 15,338 Thanks
    Dorastar
    Weekend with friends has restored my soul a bit, back to serious house sorting, decluttering and frugality. Hubby has sold about £500 of hobby stuff and the weekly food shop is minimal as there's lots in the freezer that needs eating up. Then it's surveys and job applications for the rest of the day. And it's sunny so everything feels a bit better.
    Mr T 14370.78 Bank 5505.60 Mortgage £160,000
    Emergency Fund £904.29 Blanket squares 29/60
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 7th Jan 18, 2:20 PM
    • 2,927 Posts
    • 16,997 Thanks
    HairyHandofDartmoor
    Glad you feel more positive Dora and good luck with the job applications .
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund. Then save up for repairs to the house.
    Emergency Fund 1 = £818/Emergency Fund 2 = £36.76/Loss of Income Fund £0
    • Dorastar
    • By Dorastar 7th Jan 18, 4:00 PM
    • 1,802 Posts
    • 15,338 Thanks
    Dorastar
    And a free ticket to go and see Alfie Boe in June thanks to best friends hubby who really doesn't want to go and gave me his ticket - very happy with that one!
    Mr T 14370.78 Bank 5505.60 Mortgage £160,000
    Emergency Fund £904.29 Blanket squares 29/60
    • Dorastar
    • By Dorastar 8th Jan 18, 4:49 PM
    • 1,802 Posts
    • 15,338 Thanks
    Dorastar
    Bit of supply work today so really tired now, this work lark is a bit tiring lol
    but at least it pays a teeny bit into the empty pot.
    Mr T 14370.78 Bank 5505.60 Mortgage £160,000
    Emergency Fund £904.29 Blanket squares 29/60
    • beanielou
    • By beanielou 8th Jan 18, 8:05 PM
    • 49,570 Posts
    • 186,665 Thanks
    beanielou
    Good news om Alfie Boe & the supply.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • Dorastar
    • By Dorastar 9th Jan 18, 3:05 PM
    • 1,802 Posts
    • 15,338 Thanks
    Dorastar
    No supply today but no spend either, a lot of job applications started with forms filled in with all the relevant details, the letter parts take longer and need to update CV as it's still not as good as I'd like it to be.
    Mr T 14370.78 Bank 5505.60 Mortgage £160,000
    Emergency Fund £904.29 Blanket squares 29/60
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 9th Jan 18, 6:46 PM
    • 2,927 Posts
    • 16,997 Thanks
    HairyHandofDartmoor
    Good luck with the applications and well done on the NSD.
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund. Then save up for repairs to the house.
    Emergency Fund 1 = £818/Emergency Fund 2 = £36.76/Loss of Income Fund £0
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