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  • FIRST POST
    • CoffeeCakeYarn
    • By CoffeeCakeYarn 22nd Dec 17, 3:48 PM
    • 205Posts
    • 658Thanks
    CoffeeCakeYarn
    Coffee, Cake, Yarn - New Start
    • #1
    • 22nd Dec 17, 3:48 PM
    Coffee, Cake, Yarn - New Start 22nd Dec 17 at 3:48 PM
    I've decided to edit this after a mess up of the figures. To cut a long story short I've been here before, paid off a lot, lived happily ever after, split with the ex, fell ill, and got myself in a pickle again. So here I am, new username, new diary, new dreams. Upfront warning, I over post

    I'm a thirty something (cough) single-ish-ton who is determined that I won't hit 35 in debt. I will hit 35 travelling somewhere hot, pretty and PAID FOR IN CASH. Hobbies include Gin, Gym, Cake, Craft. Welcome, thanks for looking in!

    My total debt is £26218.58.

    My first focus is MBNA which started at £2385

    My pots only include a fun pot and an emergency pot right now, in March a wee little payrise is coming, all the pots will happen then and budgeting can start properly. At that point I'll do a proper SOA for you all to see, in the mean time it's just a mission to earn as much extra as I can, and use the CC as little as possible (so far so good, nothing since early December!)



    Pull up a pew, I'm in for a long ride...

    Last edited by CoffeeCakeYarn; 16-02-2018 at 10:31 AM.
Page 11
    • MeenaM
    • By MeenaM 4th Feb 18, 9:36 AM
    • 180 Posts
    • 377 Thanks
    MeenaM
    Hey Coffee, how are things going for you? hope all is well xx
    Sealed Pot 11. #199Next£1170Barclays Credit Card £4891.20/4458.95- 0% ends April 2019 virgin 0% ends july 2020 £4138 4013.20AA Credit Card £860 0- 0% ends Dec 2017 Sainsburys Credit Card £521.27-0 0% ends Feb 2018 STARTED Nov 17AIM TO BE DEBT FREE JULY 2019Emergency Fund £360/£1000
    • CoffeeCakeYarn
    • By CoffeeCakeYarn 5th Feb 18, 10:52 AM
    • 205 Posts
    • 658 Thanks
    CoffeeCakeYarn
    Morning all! (she says, creeping in very gingerly!)

    I'll get the confession out of the way with - £165 went on the Credit Card last week. There. Said it. Done.

    It was totally worth every single survey I'm going to have to do to make up for it. I had THE BEST time. We did sooooo much stuff, and I finally feel like I've had a proper break from work and sick and life and I am completely refreshed and ready to crack on with everything now.

    So, money wise, it was way more spendy than I anticipated, but I had some fun pot saved to cover a fair bit, and I had a few decent sales on ebay over the week to counteract some of the spends. from the ebay sales I've managed to keep some money back for the rest of the socials this month (£60.00) and I still have all my other pots (petrol, food, emergency) running as they should. I'm scared to see the month end totals already and it's only the 5th. EEK. Fun spends and eating out is so large it's laughable, but I managed to track every single spend I made. Small mercies?

    So now it's back to reality for a few days before the weekend away, I'm very thankful I've not got to pay out for anything on that apart from petrol, but plan is just to knuckle down and crack on and try and recoup as much of the overspend as possible.

    Slapped wrists, naughty steps, but smiles all round

    Hope you are all keeping well. I'm off to catch up on diaries, um, I mean work... obviously....

    Happy Monday x
    PAY BACK THE FUN SPEND! £35.67/£137.67
    MBNA - £2233.51/£2385 - 6.35%
    Emergency Fund £26/£1000
    • Mumoffourkids
    • By Mumoffourkids 5th Feb 18, 11:03 AM
    • 409 Posts
    • 1,728 Thanks
    Mumoffourkids
    Morning coffee and I'm glad you had a good time last week. It sounds like you sort did money saving by tracking all your spending and by selling on eBay. Just keep it up and that credit card bill will go down very quickly!
    Total debt Dec 2017 £23090.83 Feb 2018 £7675.3966.76% paid
    Debt no 3 £600/£1000
    Debt no 2 £0/£412.05 paid Feb ~ Debt no 1 £0/£593.29 paid Jan 2018
    Emergency fund £387.50/£600 ~ Total Savings £1036.29
    PAYDOBX2018 #97 £10114.82/£12,000
    • CoffeeCakeYarn
    • By CoffeeCakeYarn 5th Feb 18, 11:15 AM
    • 205 Posts
    • 658 Thanks
    CoffeeCakeYarn
    Hey MO4! It was amazing. I'm having a bit of guilt now I've written it all down, but, lots of 2-4-1's, an activity banked for March (I paid this time he pays next), clubcard meal, tastecard.. etc. It could have been so very much worse, so although I overspent, as I thought I would, I really do feel like I was in total control and saved where I could.

    Which sounds stupid because I overspent on a week of fun, and if people are reading this thinking I'm an idiot, I know, I get it, I really do.....

    Also, forgot to add the washing machine has packed up. Luckily it's the landlords responsibility not mine MSE!
    PAY BACK THE FUN SPEND! £35.67/£137.67
    MBNA - £2233.51/£2385 - 6.35%
    Emergency Fund £26/£1000
    • Mahsroh
    • By Mahsroh 5th Feb 18, 11:32 AM
    • 302 Posts
    • 263 Thanks
    Mahsroh
    I think on occasions you just need to have a day or a weekend where you have a 'break' from it.


    It's a bit like going on a diet. Every other weekend have that takeaway pizza, or the Indian. If you're super good the rest of time, you'll find after 3 months that you've lost weight. It's the same scenario with money - occasionally you just need to have a weekend off and let yourself go! I already know that date that will happen for me this month..... 24th February. Meeting some friends in London, few drinks (and food somewhere along the line), then going to the Football (ticket already paid for). If I get through that day having spent less than £100 that'll be a result! But I think once a month that's allowed, provided you're making progress the rest of the month.
    • Mumoffourkids
    • By Mumoffourkids 5th Feb 18, 11:34 AM
    • 409 Posts
    • 1,728 Thanks
    Mumoffourkids
    I get the guilty feeling when I spend money as well. Even when it is budgeted! I think it's the coming on here and having to confess. I don't even like thought of spending money out of savings pots
    Total debt Dec 2017 £23090.83 Feb 2018 £7675.3966.76% paid
    Debt no 3 £600/£1000
    Debt no 2 £0/£412.05 paid Feb ~ Debt no 1 £0/£593.29 paid Jan 2018
    Emergency fund £387.50/£600 ~ Total Savings £1036.29
    PAYDOBX2018 #97 £10114.82/£12,000
    • MeenaM
    • By MeenaM 5th Feb 18, 11:40 AM
    • 180 Posts
    • 377 Thanks
    MeenaM
    Concentrate on the positive , you are refreshed and ready to go at attacking the debt again !
    Sealed Pot 11. #199Next£1170Barclays Credit Card £4891.20/4458.95- 0% ends April 2019 virgin 0% ends july 2020 £4138 4013.20AA Credit Card £860 0- 0% ends Dec 2017 Sainsburys Credit Card £521.27-0 0% ends Feb 2018 STARTED Nov 17AIM TO BE DEBT FREE JULY 2019Emergency Fund £360/£1000
    • joeyjimbles
    • By joeyjimbles 5th Feb 18, 11:47 AM
    • 1,519 Posts
    • 8,225 Thanks
    joeyjimbles
    Slapped wrist then, but if you know where it went, it was sort of 'worth it', then move on.
    Have you any of the ebay money left to actually pay towards the CC?
    When I've done this, or when I plan to spend some money over the usuals, then I tend to set it as a mini-target for myself alongside the others to get that money. So £165 is a target for yet more additional income.
    I already have set little targets that I have each month for additional income, and I meet them first, then go onto the new one. It's a huge incentive - also I don't wait til the bill comes in. I pay it off as soon as I receive it into my bank or paypal - I love seeing the numbers fall.
    • CoffeeCakeYarn
    • By CoffeeCakeYarn 5th Feb 18, 12:11 PM
    • 205 Posts
    • 658 Thanks
    CoffeeCakeYarn
    Thanks guys!

    Mahs - You are so right, I just feel bad I've only just started the journey really, and already had a fun spend on the CC. EEK! Where abouts in London will you be?

    Joey - £48 left from ebay went straight to the CC (already paid this morning) so £117 outstanding to try and make great minds think alike. And will not be touching the CC again this month, at all.
    PAY BACK THE FUN SPEND! £35.67/£137.67
    MBNA - £2233.51/£2385 - 6.35%
    Emergency Fund £26/£1000
    • Mahsroh
    • By Mahsroh 5th Feb 18, 12:48 PM
    • 302 Posts
    • 263 Thanks
    Mahsroh
    Mahs - You are so right, I just feel bad I've only just started the journey really, and already had a fun spend on the CC. EEK! Where abouts in London will you be?
    Originally posted by CoffeeCakeYarn

    Football is at Fulham so eating/drinking beforehand will be mostly in and around the West End!
    • CoffeeCakeYarn
    • By CoffeeCakeYarn 5th Feb 18, 1:12 PM
    • 205 Posts
    • 658 Thanks
    CoffeeCakeYarn
    Awesome! Enjoy! I do love a day out in London but it's stupid expensive!
    PAY BACK THE FUN SPEND! £35.67/£137.67
    MBNA - £2233.51/£2385 - 6.35%
    Emergency Fund £26/£1000
    • CoffeeCakeYarn
    • By CoffeeCakeYarn 5th Feb 18, 1:46 PM
    • 205 Posts
    • 658 Thanks
    CoffeeCakeYarn
    And we are off! A £7.00 payout from PA
    PAY BACK THE FUN SPEND! £35.67/£137.67
    MBNA - £2233.51/£2385 - 6.35%
    Emergency Fund £26/£1000
    • joeyjimbles
    • By joeyjimbles 5th Feb 18, 1:59 PM
    • 1,519 Posts
    • 8,225 Thanks
    joeyjimbles
    So £110 - why not pop it in your signature and we can cheer you on. I don't often show my signature, as I think it takes up space on other people's diaries, but it's where I keep my running tallies to keep myself straight and to record successes/near misses/dowright abject must do better
    • CoffeeCakeYarn
    • By CoffeeCakeYarn 5th Feb 18, 2:09 PM
    • 205 Posts
    • 658 Thanks
    CoffeeCakeYarn
    Brill idea Joey!
    PAY BACK THE FUN SPEND! £35.67/£137.67
    MBNA - £2233.51/£2385 - 6.35%
    Emergency Fund £26/£1000
    • CoffeeCakeYarn
    • By CoffeeCakeYarn 5th Feb 18, 7:34 PM
    • 205 Posts
    • 658 Thanks
    CoffeeCakeYarn
    Well what a slap in the face being back at work was today. It was complete toilet. Thereís a horrible atmosphere right now and itís really hard for me to just keep out of it all as much as I try. Iím just really trying not to get bogged under in it all, but it zaps me when itís like that.

    Spends day today but all budgeted boring stuff.

    Wee little Aldi shop tonight to see me through until next week including the snacks for the weekend. Got some liquid for the vape on the cheap again, they seem to be doing really good deals at the mo! Some tablets. Petrol in the car. All the boring life spends.

    Iím doing a bath, candles and classic on in the background to unwind and switch off for a bit before hitting some surveys pre bed. If the headache shifts.

    Hope everyone has had a good Monday xx
    PAY BACK THE FUN SPEND! £35.67/£137.67
    MBNA - £2233.51/£2385 - 6.35%
    Emergency Fund £26/£1000
    • SnowBallBunny
    • By SnowBallBunny 5th Feb 18, 9:15 PM
    • 99 Posts
    • 218 Thanks
    SnowBallBunny
    Hey Coffee,

    Just wanted to say you are sounding organised and forward thinking. Glad you're taking time out for self care bubble baths.

    You're making great progress!
    Credit Card 1 £6,000/£5753.88 Debit Card £5,000/£3756.50 (Debit Card includes Emergency Fund £1000) Credit Card 2 £1200/£941.49 Tax Bill £750/ £300 Library Fine £90 Accountancy Bill £144 (Last Payment 14.12.17) Cancelled Art Project Fundraising Donation £15
    Total £13,199/£10451.87

    A SnowballBunny, hopping my way to Financial Freedom.
    • redofromstart
    • By redofromstart 5th Feb 18, 9:19 PM
    • 1,118 Posts
    • 6,814 Thanks
    redofromstart
    Hope work picks up - nowt like a bad atmosphere to make it a real chore.
    • Lilith1980
    • By Lilith1980 6th Feb 18, 5:13 AM
    • 1,609 Posts
    • 4,202 Thanks
    Lilith1980
    Glad you had a good time, and like others have said, at least you kept track and know what you have to pay off
    My debt-free diary
    • CoffeeCakeYarn
    • By CoffeeCakeYarn 6th Feb 18, 8:44 AM
    • 205 Posts
    • 658 Thanks
    CoffeeCakeYarn
    Morning all!

    Thanks for the kind comments, as always, you lot are amazing.

    Meetings at work today so don't know how much down time I'll have. No exciting plans for the rest of the day. YS spag bol for dinner, no plans to spend anything. Probably should start sorting out bits for the weekend this evening, last night was a wash out, I was asleep by half nine, just couldn't shift the bad head! Seems to have gone this morning but I did wake up at 6am so will see how tired I am by the time I get home.

    Happy Tuesday all x
    PAY BACK THE FUN SPEND! £35.67/£137.67
    MBNA - £2233.51/£2385 - 6.35%
    Emergency Fund £26/£1000
    • Drawingaline
    • By Drawingaline 6th Feb 18, 11:26 AM
    • 339 Posts
    • 1,214 Thanks
    Drawingaline
    Sometimes you need to let go a bit. However you tracked it,saved as much as you could and put your eBay money straight onto the card. That's surely a win? Think back to what you would have done prior to organising finances? Left it, spent the eBay money and paid the minimum. So progress, although slow is still progress, and changing habits
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