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Looking for the silver lining

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  • Eeeek to spots!!

    Hope you have a lovely day tomorrow Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0 :j
    Best win so far - holiday to Florida
  • Sun_Addict
    Sun_Addict Posts: 24,088 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Had a nice very low spend day today. Didn't go anywhere other than a couple of walks out with the dog and the local shop. Mr SA still not great and still spotty. I'm going to ring the doctors tomorrow to see what they think. Managed to get quite a few odd jobs done today so feel I've achieved something.
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • Sun_Addict
    Sun_Addict Posts: 24,088 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Mr SA has been to the doctors and he hasn't got chicken pox it's just a rash! Phew! His fatigue and feeling off is just to do with his condition and after effects of chemo/stem cell transplant.

    What's happening with:

    Concessionary bus pass - doctor signed form saying Mr SA needed bus pass plus companion (which the council left off the original pass). Council came back to doctor saying if Mr SA is as bad as doctor says he is should he be travelling on public transport at all? I had to write a letter to doctor saying we need pass with companion as he's not supposed to be travelling alone.

    Utilities - still not got final bill from nPower. Need to chase this up as I am over £600 in credit with them and need to know where I am.

    PIP claim - not heard a thing since January. However, I know it's a very long process so am being patient.

    So....yesterday was payday and I can report that altogether during March I:

    Paid £28.93 into my VSP - total now £110.80
    Paid £150 off debt - total now £2450
    Paid £400 into holiday savings - total now £700
    Lost zero pounds weight

    During April I would like to:

    Pay some more off debt - need to pay £272 a month to stay on track for debt free by Christmas but the holiday comes first this month so will do what I can.

    Stick to budget - am determined to do this
    Lose at least 4lb before we go on holiday
    Book holiday (as we should go 3 weeks on Thursday so better get cracking!)

    Sainsburys have sent me a voucher for £10 off £50 online grocery shop plus anytime free delivery so will be taking advantage of this offer next week.

    When we get back from holiday we are going to start decorating the house. I've seen a lovely pair of curtains in Wilkinsons for the living room so might get these today and that's a start made. We are planning on doing it one room at a time.

    Budgets for April:

    £400 a month for groceries/pet food/toiletries/general day to day spends - hoping to be able to shave some off this as it sounds way too much - however it's surprising how it disappears. Breaking it down to week by week so £100 per week.

    £240 a month for things for house/meals out/things Mr SA and I need eg clothes - breaking this down into four "pots" - house/me/him/meals out. Again hoping to shave some off this too.
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • beanielou
    beanielou Posts: 95,644 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    PIP claims very roughly taking at least 6 months AFAIK.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
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  • Sun_Addict
    Sun_Addict Posts: 24,088 Forumite
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    Starting off April as I mean to go on - got £36.74 from Top Cashback, £5.00 from Halifax Rewards and there was a £3.00 oddment on Mr SA's ESA = £44.74. £40 has just gone off debt and the other £4.74 to VSP.
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • Sun_Addict
    Sun_Addict Posts: 24,088 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Had a lovely lunch with friends today but felt guilty when I got home as Mr SA said he had been sick. Sometimes I think he makes me wear a hair shirt when I do stuff that doesn't involve him. Yet it's all fine and dandy when he goes to the pub with his carer when I'm at work.
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • Sun_Addict
    Sun_Addict Posts: 24,088 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Spent too much Friday and Saturday not on things but meals out. Friday with friends and then yesterday with Mr SA. Had a nice time though. Got £15 to last until Wednesday and next week will have to be a low spend one to bring me back on track- no meals out!

    Still not booked holiday but probably will do next weekend. I'm waiting for ISA interest to go in as holiday money is stashed in there. Not expecting a lot but anything is better than nothing.

    Mr SA very tired this weekend and he fell over a dog on the park this morning. His shoulder hurts but otherwise he seems ok.

    I was looking back to the beginning of my diary and it's a year on Wednesday since he had the brain bleed. How time has flown and so much has happened in that year.

    I'm breaking up from work 17 April and off until 7 May. Can't wait - I'm desperate for a break. They'll have to manage without me for a bit! We plan to go away on 24 April so the few days before I hope to decorate the living room. I doubt Mr SA will be much help but he can do a bit. However decorating isn't my forte so should be interesting!

    And I can declare today a no spend day!
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • Sorry to hear Mr SA made you feel guilty for going out with friends. You more than deserved it.

    Well done on the NSD! Have a good week Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0 :j
    Best win so far - holiday to Florida
  • Hello SA,


    I am so glad you are planning a holiday and you have time off work. :)


    Sorry Mr SA can be a pain about you going out :( very hard and, unfair of him. You must keep having time for yourself. you must.


    Hope work is ok - do you get the holidays are coming feeling and motivation goes out the window :)




    Big hugs


    XXXX
    Nevertheless she persisted.
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Perfect post there, IMO :D , by Buffy!

    Seconded by me :)
    MFiT-T4 Member No. 96 - 2022 is my MF goal :D
    Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
    Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T
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