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  • FIRST POST
    • threepenny bit
    • By threepenny bit 9th Sep 17, 5:14 AM
    • 206Posts
    • 1,694Thanks
    threepenny bit
    Time is a ticking!
    • #1
    • 9th Sep 17, 5:14 AM
    Time is a ticking! 9th Sep 17 at 5:14 AM
    I have been a member here for 4 years and have scratched around doing SOA, trying to snowball etc but not been at all accountable and now is the time to get on with it!
    So, I have started to think about retirement - probably have 6 years left before I can retire and really don't want to be in a difficult position not being able to afford things.
    I have a small pension from the UK, hubby will have a UK pension as well as one here in N America. I won't have a pension here as I am self employed and so cannot contribute - I have started to put away some cash each month in a savings account though; probably not the best return but it has easy access if I need it.
    We have debts on CC and store cards of $42,500 as well as a car loan and buildings loan. We also have a home loan but that is very low interest and is not worth paying extra onto it while we have CC with a higher rate.
    I have a cc (JV1) that I took out specially for a piece of medical equipment I needed and has $4200 on it, I'm hoping to get back $3000 from my health insurance and then work first on paying this card off with minimum payments on others. Once I pay this off I will snowball the payment to other cards.
    I know what I should do but find it hard to stick to anything as I get a bit bogged down with trying to pay things and then it not working.
    I am determined this time though and hubby is on board so please wish me luck and send me a swift kick up the bum when needed!!
    x
    Grocery challenge - $150 for Oct 0/150 NSD 6/18
    1st challenge to pay CC (JV1) 0/$1850 updated
    Work on selling items and make $100 a month for the rest of this year /100
Page 1
    • threepenny bit
    • By threepenny bit 9th Sep 17, 5:18 AM
    • 206 Posts
    • 1,694 Thanks
    threepenny bit
    • #2
    • 9th Sep 17, 5:18 AM
    • #2
    • 9th Sep 17, 5:18 AM
    I am also restarting my weight loss quest, working on using up stocks of food from freezer and cupboard, not buying clothing or fripperies and trying to make some money selling things I don't need!
    I am doing swagbucks and hubby is trying pinecone research.
    Last edited by threepenny bit; 09-09-2017 at 5:29 AM.
    Grocery challenge - $150 for Oct 0/150 NSD 6/18
    1st challenge to pay CC (JV1) 0/$1850 updated
    Work on selling items and make $100 a month for the rest of this year /100
    • stoplurking
    • By stoplurking 9th Sep 17, 7:16 AM
    • 348 Posts
    • 2,318 Thanks
    stoplurking
    • #3
    • 9th Sep 17, 7:16 AM
    • #3
    • 9th Sep 17, 7:16 AM
    Good luck! If you did manage to do a full SOA and post it on here or DFW board there are loads of folks on here with good advice, although you have to do what works for you.

    I think it helps by making sure you account for every little expense so you have a realistic picture of what you can really spare to throw at the debts.The temptation is to pay chunks off but if that then leaves you short, so you have to use the cards, it is disheartening.

    Have you looked at the old-style boards for inspiration re saving on the food bills? I think the best advice I took from there is to meal plan. It's amazing how much you can save by not having to nip to the shops every 5 minutes because a vital part of the meal is missing, or to grab something quick, that's when unnecessary goodies jump into your basket. Also, as you plan to do, use up what you have before buying more, then, when you're ready to stock up again, cook double portions and freeze the extra for a home made ready meal later in the month. Look at me dishing out advice, feel free to ignore

    Are you in Canada? I've just visited there for the first time and it was fabulous.

    I have about 6 years to retirement as well, was hoping for 5 but realistically I think it will be 6. Are there any personal pension plans there that self-employed people can contribute to?

    It's great your hubby is on board, it really is hard if one person is trying to be frugal and the other keeps on spending!
    Last edited by stoplurking; 20-09-2017 at 5:58 AM.
    LBM Oct12 Debts at LBM £17715.93.
    Orig DFD Apr15 DFD 24/12/13
    3-6monthEFC#9 £1193/4000 29.8%
    • threepenny bit
    • By threepenny bit 9th Sep 17, 4:53 PM
    • 206 Posts
    • 1,694 Thanks
    threepenny bit
    • #4
    • 9th Sep 17, 4:53 PM
    • #4
    • 9th Sep 17, 4:53 PM
    hi Stoplurking and thank you for your message. I am in Canada but originally from UK, where did you visit?
    I have just made a meal plan sheet ready to try - thank you for the reminder! We have so much in the store cupboards and freezer so will make a list of what we have to help me also.
    Grocery challenge - $150 for Oct 0/150 NSD 6/18
    1st challenge to pay CC (JV1) 0/$1850 updated
    Work on selling items and make $100 a month for the rest of this year /100
    • threepenny bit
    • By threepenny bit 9th Sep 17, 4:58 PM
    • 206 Posts
    • 1,694 Thanks
    threepenny bit
    • #5
    • 9th Sep 17, 4:58 PM
    • #5
    • 9th Sep 17, 4:58 PM
    MSE have changed my user name for me
    Weekend to do list
    grocery shop - milk, lettuce, bananas - done
    laundry - done
    make card for DS and 4 boys birthday cards for school done
    water plants done
    vacuum and dust main floor done
    make freezer and store cupboard inventory
    meal plan sheet
    check YNAB and budget done
    Last edited by threepenny bit; 11-09-2017 at 2:30 AM.
    Grocery challenge - $150 for Oct 0/150 NSD 6/18
    1st challenge to pay CC (JV1) 0/$1850 updated
    Work on selling items and make $100 a month for the rest of this year /100
    • threepenny bit
    • By threepenny bit 10th Sep 17, 4:57 AM
    • 206 Posts
    • 1,694 Thanks
    threepenny bit
    • #6
    • 10th Sep 17, 4:57 AM
    • #6
    • 10th Sep 17, 4:57 AM
    NSD today which makes 4 this month - hoping for 3 each week where possible.
    Didn't get too much finished from my list today but found other jobs to do instead lol! Hubby gets paid on Wednesday so hoping to get some extra paid to the cc(JV1) .
    There are lots of forest fires near us right now, no need to evacuate but the sky is so full of ash and smoke and everywhere smells of burning wood
    Grocery challenge - $150 for Oct 0/150 NSD 6/18
    1st challenge to pay CC (JV1) 0/$1850 updated
    Work on selling items and make $100 a month for the rest of this year /100
    • threepenny bit
    • By threepenny bit 11th Sep 17, 2:34 AM
    • 206 Posts
    • 1,694 Thanks
    threepenny bit
    • #7
    • 11th Sep 17, 2:34 AM
    • #7
    • 11th Sep 17, 2:34 AM
    hmm spent little more on groceries than I expected, needed to buy more fruit and some mince as well as the things on the list and managed to spend 31
    Got jobs done from the list as well as some gardening, washed our duvet and got tidied round. One more day off then work starts again so am going to make some freezer meals that are SW friendly for days when I am too tired to cook.
    Anyone else doing SW?
    Grocery challenge - $150 for Oct 0/150 NSD 6/18
    1st challenge to pay CC (JV1) 0/$1850 updated
    Work on selling items and make $100 a month for the rest of this year /100
    • stoplurking
    • By stoplurking 11th Sep 17, 7:06 AM
    • 348 Posts
    • 2,318 Thanks
    stoplurking
    • #8
    • 11th Sep 17, 7:06 AM
    • #8
    • 11th Sep 17, 7:06 AM
    Hi threepenny bit
    Sorry to hear about the fires around you, I hope they are under control soon.
    I went to Nova Scotia, it was fantastic. If I visit again I hope to go a bit further west as well.
    I've been doing SW since January and it really worked for me. I had about 21lbs to lose which I did by end of May so I'm now maintaining. I found that if I followed the plan I got a loss, if I didn't follow it then I stayed the same, once or twice put ion a lb. I've had three holidays in that time - unusual for me but 2 of them were to assist family members - still enjoyed myself but got back on plan as soon as I got home. I like the way of eating on SW, and if you get in the swing of it it will work. There are loads of ideas on Pinterest, as well as SW online. Good luck with it, it's quite MS as well, fewer snacks/less wine being bought!
    Last edited by stoplurking; 13-09-2017 at 7:30 AM.
    LBM Oct12 Debts at LBM £17715.93.
    Orig DFD Apr15 DFD 24/12/13
    3-6monthEFC#9 £1193/4000 29.8%
    • threepenny bit
    • By threepenny bit 11th Sep 17, 4:21 PM
    • 206 Posts
    • 1,694 Thanks
    threepenny bit
    • #9
    • 11th Sep 17, 4:21 PM
    • #9
    • 11th Sep 17, 4:21 PM
    Thanks Stoplurking - Well done on your weight loss; I have joined online and trying to get my head round it and make sure there is leftovers for lunch as that seems to be the easiest thing to do.
    I am much further west near Banff, not been to NS yet but love the pictures of the coastline there.
    Grocery challenge - $150 for Oct 0/150 NSD 6/18
    1st challenge to pay CC (JV1) 0/$1850 updated
    Work on selling items and make $100 a month for the rest of this year /100
    • threepenny bit
    • By threepenny bit 11th Sep 17, 4:22 PM
    • 206 Posts
    • 1,694 Thanks
    threepenny bit
    sold a few bits on fb local group so have added extra $18 payment to my cc (JV1). Its a start
    Grocery challenge - $150 for Oct 0/150 NSD 6/18
    1st challenge to pay CC (JV1) 0/$1850 updated
    Work on selling items and make $100 a month for the rest of this year /100
    • threepenny bit
    • By threepenny bit 13th Sep 17, 4:13 AM
    • 206 Posts
    • 1,694 Thanks
    threepenny bit
    Doing a happy dance as I just found out I have an unexpected payment of 3000 coming back to me via my health insurance - ooh it sounds like monopoly lol! It is for some medical equipment I had to buy and the health insurance have decided to cover part of it - I will send this to my cc when it comes and this means I will be able to pay it off sooner
    Grocery challenge - $150 for Oct 0/150 NSD 6/18
    1st challenge to pay CC (JV1) 0/$1850 updated
    Work on selling items and make $100 a month for the rest of this year /100
    • threepenny bit
    • By threepenny bit 16th Sep 17, 8:31 PM
    • 206 Posts
    • 1,694 Thanks
    threepenny bit
    Such a good feeling to see the CC1 down to only $1000 owing and so happy I got some money back from health insurance to pay onto it.
    Not sold much this month on fb selling pages so must resist and try again - strange month as people don't seem to be buying much and I suppose it is due to everyone spending last month for holidays and money is a bit tight this month?
    Found some coins in the bottom of a handbag and so used it to buy apples and some milk lol! Didn't count it in the budget as it was 'free money" lol!
    Don't need any groceries still which is good. We are away in our caravan this weekend (was a prepaid weekend from a couple of months ago) - looked in the cupboards and we have quite a lot of tins and packets of food so will take them back and add to the pantry at home
    Not much planned for the weekend but back to work Monday
    Grocery challenge - $150 for Oct 0/150 NSD 6/18
    1st challenge to pay CC (JV1) 0/$1850 updated
    Work on selling items and make $100 a month for the rest of this year /100
    • threepenny bit
    • By threepenny bit 20th Sep 17, 4:10 AM
    • 206 Posts
    • 1,694 Thanks
    threepenny bit
    hi everyone - hope your week is going well. School has been tiring this week so far and I am ready to nap lol! Things get better as the little ones learn the routines so I know it is only a little while till things improve.
    Had to go collect meds today and the supermarket had some good offers on - bought shredded cheese, milk, corned beef and my meds. Made squash with mince in and cheese on top for supper, made a SW quiche at the same time as the oven wasn't full and we had baked apples that were looking a little soft. Will have quiche tomorrow .
    Must start to look at christmas gift ideas and get planning as it will be here soon and I have nothing yet - normally I squirrel bits away all the time but haven't done so this year. Has everyone else started their lists?
    Grocery challenge - $150 for Oct 0/150 NSD 6/18
    1st challenge to pay CC (JV1) 0/$1850 updated
    Work on selling items and make $100 a month for the rest of this year /100
    • stoplurking
    • By stoplurking 20th Sep 17, 6:21 AM
    • 348 Posts
    • 2,318 Thanks
    stoplurking
    Hi threepenny bit

    It sounds like you are doing well. That was a good result re the insurance although you must have had some health issues to receive that so that's not so good but at least getting the $$ towards the cost helps. Earlier in the year I got turned down on a claim from my dental insurer then they suddenly sent a letter saying they were paying the full amount so that was weird and good at the same time.

    I meant to say there's loads of SW stuff on Pinterest as well, sounds like you will do well on SW as you're already trying out recipes etc which is great.

    Re Christmas, no items bought yet but one thing drilled into me on joining this site was to put a bit aside each month to prepare, so I've been doing that for the last few years. Pre-MSE days it all went on CC with no thought re budget etc. I don't buy for many people, once nieces/nephews reach 21 we don't do gifts so I've only got 7 left under 21 and we just give them money now as they enjoy choosing their own gifts. An odd time their parents will ask us to get a particular thing which is fine. Other than the kids we only buy for our parents, our own kids and their partners. Some years we don't buy each other anything unless there is something we really want/need but this year we're going to spend about £100 on each other. Actually, now I think of it OH has had his as there was something he had been looking for for ages that came up on Internet so we just decided to get it and call it a very early Christmas present. We've mostly got enough stuff already! I see MSE has the countdown from 100 days on the side there, eek.
    Food/drink wise we budget for that as well but haven't planned any actual spends yet. What do you do for Christmas? You will know from SW that it is possible to have the big roast dinners and they are free or low syn, if you cook them the SW way, but not everyone is into that type of meal on Christmas Day I know.

    My Ds1 and his girlfriend are talking about going to Canada for Christmas to visit DS 2, which I think is fantastic, no no I'm not jealous, much!

    Hope the kiddies have settled into their routines now, enjoy the rest of your week and good luck with the money saving/making. I'm trying to BUY a small item from eBay but can't get any reply from seller re the dimensions of the item she is selling so will need to look elsewhere I think. Not sure what it's like where you are but the number of times people are selling, say, items of furniture and they don't put the sizes in the sale details is very odd.How do buyers know if it will fit in their room or not? Ah well. Better get on, sorry I've rambled on a bit!
    Last edited by stoplurking; 20-09-2017 at 6:24 AM.
    LBM Oct12 Debts at LBM £17715.93.
    Orig DFD Apr15 DFD 24/12/13
    3-6monthEFC#9 £1193/4000 29.8%
    • threepenny bit
    • By threepenny bit 24th Sep 17, 5:11 AM
    • 206 Posts
    • 1,694 Thanks
    threepenny bit
    HI Stoplurking - hope you are doing well. Sorry I haven't been online for a few days but I really appreciate your reply!
    Hubby and I spoke about christmas an we won't buy each other anything as we truly don't need a thing. We are going on vacation next year for a week and think our married children will also go - we will pay for the rental house and this will be their christmas gift ... would have ended up paying for it anyway lol! Just have parents, siblings , couple of friends and nephews to buy for . Have made some sour cherry vodka which is just maturing, as well as apple jam, cherry jam and some vanilla. I think I might make a little home made basket/hamper type thing for one of the friends and include the things I have made.
    Today my YNAB ran out but i have found it so useful that I am going to pay the annual fee and see how it goes - I have been able to see at a glance what still needs to be paid and when; made it much easier to budget.
    Not a brilliant week on SW as I was good all day and then ate stuff I didn't need on an evening; try again this coming week! I have spent a long time looking at pinterest for sw recipes etc but it is a real time stealer isn't it!

    Did some more gardening today and chopped more of the enormous tree in our front garden. Managed to pick up 2 juniper bushes for free last week from a neighbour and they are doing really well. I gave them some fertilizer today and they seem settled in their new home. The deer came by and nibbled on my hostas - more of a feast than a nibble! So nice to see them in the garden and so I don't mind the plant loss too much.

    Enjoy your weekend x
    Grocery challenge - $150 for Oct 0/150 NSD 6/18
    1st challenge to pay CC (JV1) 0/$1850 updated
    Work on selling items and make $100 a month for the rest of this year /100
    • threepenny bit
    • By threepenny bit 2nd Oct 17, 3:09 AM
    • 206 Posts
    • 1,694 Thanks
    threepenny bit
    September is over and a new budget month for me; I have tweaked the totals a little better for this month after I saw what we really spent last month! I need to continue selling things I have no need for and to work harder on meal planning. I am going into hospital for a colonoscopy next week and have a specialist diet of no raw fruit or veg, nothing with fiber, seeds or bran. I am not sure on our meals yet but we won't be having salad or tomato based pasta which we normally eat a lot of.
    lots left in the cupboards and freezer so that makes it a bit cheaper.
    We put our caravan away for the winter today and that means no more camp site fees for another 8 months, we winterized it and took all the tinned foods etc out ... nice little stock pile for home We do ha organized ve to take it to the service agent as the pump wasn't working and hopefully they will mend it under warranty.
    Need to start getting my head in Christmas mode and sorting out gifts now - hoping not much to buy and can maybe make up some hampers with things I have made from the garden and maybe add fruit loaf etc for a couple of my friends. I have some gift vouchers to use up but may just regift instead - bit cheeky but would help us put enormously. Anyone else doing their christmas gift lists and have some good ideas?
    Got a cheque back for $50 from a big music survey I did a few months ago so sent to our visa as an extra payment which was a bonus - updated the total owing after the interest has gone on this month Did well last month with a few extra little payments though and if I can do the same this month we may be able to have 0 balance by the end of the year!
    Grocery challenge - $150 for Oct 0/150 NSD 6/18
    1st challenge to pay CC (JV1) 0/$1850 updated
    Work on selling items and make $100 a month for the rest of this year /100
    • threepenny bit
    • By threepenny bit 2nd Oct 17, 3:11 AM
    • 206 Posts
    • 1,694 Thanks
    threepenny bit
    oops forgot to add I am aiming for 4 NSD each week this month - more if I can manage!
    Happy October everyone
    Grocery challenge - $150 for Oct 0/150 NSD 6/18
    1st challenge to pay CC (JV1) 0/$1850 updated
    Work on selling items and make $100 a month for the rest of this year /100
    • Purplebonnie
    • By Purplebonnie 2nd Oct 17, 6:32 AM
    • 89 Posts
    • 574 Thanks
    Purplebonnie
    Hi Threepenny Bit, I have just started my DF journey and it's for a very similar reason to yours as I am looking at retirement. I am also on slimming world. Sounds like you are doing great and look forward to following your progress
    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) :
    • threepenny bit
    • By threepenny bit 2nd Oct 17, 8:33 PM
    • 206 Posts
    • 1,694 Thanks
    threepenny bit
    I will look for you purple bonnie and then we can compare notes
    Grocery challenge - $150 for Oct 0/150 NSD 6/18
    1st challenge to pay CC (JV1) 0/$1850 updated
    Work on selling items and make $100 a month for the rest of this year /100
    • threepenny bit
    • By threepenny bit 2nd Oct 17, 8:34 PM
    • 206 Posts
    • 1,694 Thanks
    threepenny bit
    well had to put the heating on It snowed all morning here and it feels so cold; put the heating to 17 and am hoping to get the house a little warmer. Tomorrow the weather is meant to be sunny so will be turning that heating right back off!
    Grocery challenge - $150 for Oct 0/150 NSD 6/18
    1st challenge to pay CC (JV1) 0/$1850 updated
    Work on selling items and make $100 a month for the rest of this year /100
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