301k in debt and morbidly obese - things aren't great!

kelpie35

***subscribing***
love your humour and the way you write[/QUOTE]

me too.....................it brightens my day :beer:

Karmacat

MrBloater wrote: »

And another bit of potential moneyearning - just sent messages to a couple of contacts to put out some feelers for any additional evening work. Will be checking out the matrix and mysupermarket as suggested and still have yet to decide on the insurance quotes and take on the other utilities. Once all this done I will bite the bullet and put the SOA up.

Thats a really good idea - if you can get extra work at more or less your usual rate, its a brilliant use of time. Often, the stuff we get online like mystery shopping or even musicmagpie, as you've found, is tiny amounts of money. It can add up - when I was debtbusting hard, I often made over £300 a month from it all, but it took hours and hours and hours. You may still spend hours and hours doing the extra work, but the reward will presumably be a lot greater - good for you :j:j:j

And I hope you manage to get the soa up :T

chevalier

Thanks for the motivation to start going doing more exercise again. I figure you are putting yourself first, and so should I!

Nice list, good luck with getting it all sorted. Should net you quite a nice pot of money from quidco if you do switch all of those
chev

MrBloater

I think the real lightbulb moment might just have hit. Mrs B talking about friends she wanted over for dinner this week - dinner with those guys invariably is an expensive and liquid occasion and I had to actually put my foot down and say no - cos at the moment we aren't going to cover our minimum payments this month. Went through every expense this month and are short - but in a moment of inspiration rung up one of the loan companies and got a payment date changed from 24th Sept til the 1st Oct which gives us another 429quid til next payday.

Obviously atmosphere in house now at all time low - Mrs B and children have vanished upstairs leaving me with this bloody diary...

Firewalker

Dinners don't have to be that expensive - last year I won a bet with a friend that I can serve three course French menu for £1.50 per head. The menu is somewhere on my diary and also on my blog. And they brought the wine.

This 'too heavy to run' business is very interesting. Most people think that it is about whether they can do it now. It isn't. It is about whether they can do it in a month, regularly and whether they could run till they are 80; being heavy and not building it gradually by walking and other exercise one gets hurt. It similar with curbing expenditure - if one doesn't ease in it and leave some room for 'life' they fall off.

Anyway, you asked why diaries fizz out on page 150:rotfl:.

Hopelessly_Hopeful

MrBloater wrote: »

I think the real lightbulb moment might just have hit. Mrs B talking about friends she wanted over for dinner this week - dinner with those guys invariably is an expensive and liquid occasion and I had to actually put my foot down and say no - cos at the moment we aren't going to cover our minimum payments this month. Went through every expense this month and are short - but in a moment of inspiration rung up one of the loan companies and got a payment date changed from 24th Sept til the 1st Oct which gives us another 429quid til next payday.

Obviously atmosphere in house now at all time low - Mrs B and children have vanished upstairs leaving me with this bloody diary...

Loads of ideas around to do dinner without seeming to be cutting back. Increased effort and planning usually cuts cost and improves quality. Can you ask them to bring x or y and say you're going to do the same at theirs to share the load throughout the year?

Research around saying distance and duration as much good as hard impact. Less chance of injury too. So walking more often and for longer will often have a better long term sustainable result than running every so often. Swimming's a great exercise with lottle chance of injury though appreciate there may be a cost implication.

HHX

Igamogam

MrBloater wrote: »

I think the real lightbulb moment might just have hit. Mrs B talking about friends she wanted over for dinner this week - dinner with those guys invariably is an expensive and liquid occasion and I had to actually put my foot down and say no - cos at the moment we aren't going to cover our minimum payments this month. Went through every expense this month and are short - but in a moment of inspiration rung up one of the loan companies and got a payment date changed from 24th Sept til the 1st Oct which gives us another 429quid til next payday.

Obviously atmosphere in house now at all time low - Mrs B and children have vanished upstairs leaving me with this bloody diary...

How about contribution dinners?? Our close group of friends do this on a regular basis - plan a date and who is hosting and who is bringing what - starters, mains,puds etc then pitch up at hosts house with a foodie contribution and liquid. We have been doing this for about 20 years now and found that often its easier if host supplies main course. We even have themes...sad I know. Next theme is 'make a dish with the kitchen gadget you never use' should be interesting ( mine is a mandoline - not musical instrument:rotfl:)

scotdebs

Hey Mr B - been lurking (& subscribing) and enjoying your diary - am awaiting your SOA with great interest as our debts are almost identical and DH & I pull pretty much the same amount of cash into house also. The collective LBM is always difficult but you are doing so well and with the rest of the family on board you will be unstopable.

Igamogam

We have not had the collective LBM in my family yet- partly because I wanted to have a go at this on my own as OH is convinced we ( that would be me !) spend on unnecessary stuff - should see how much it costs to replace ,a on a regular basis, some of his kit for his extreme sport hobby .....sorry straying into domestic here:(

Anyway what I am trying to say is maybe you and yours might like to join in some of the challenges on here - just a bit of fun but it stops and makes you think - maybe the kids ( if old enough) would like the £2 savers club???? The No Spend Day challenge is good harmless fun too - just a thought:)

Phelpsie001

This is one of the best diaries on here!! Subscribing!!

Also ... I'm one of the closet SOA bragade ... eagerly awaiting =P