I don't need another skinny Latte

edited 30 November -1 at 1:00AM in Debt Free Diaries
673 replies 99.3K views
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  • ChardonnayChardonnay Forumite
    766 Posts
    Tenth Anniversary
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    Hi Skinnylatte! :wave:

    I've just read through your thread and subscribed.

    We do seem to have a few things in common, I'm a similar age to you and as you'll know from my diary, my daughter (18) also has had issues with severe anxiety. I'm so pleased that you've finally found a good therapist for your daughter. I really can empathise that you can't put a price on effective therapy. We have had lots of experience with CAMHS too - daughter was under them from the age of 11 until recently. We have had mixed experiences but finally, she is now being helped by a wonderful therapist, from the adult services. I just can't explain how grateful we are to him for the help he's given her and the change in her is amazing! So yes, a good therapist is worth their weight in gold! Hope your daughter continues to go from strength to strength!

    By the way, I'm also a 35-36" inside leg so can feel your pain when it comes to finding trousers to fit! I find the Next Tall section really good and get all of my jeans from there.

    Oh, and I love swiping toiletries from hotel rooms too and never use body lotion, so your tip about cleaning shoes is very helpful! :D

    Well done in what you've achieved so far - you're doing really well and I look forward to following you on your journey! :)
  • edited 20 January 2014 at 12:47AM
    SkinnylatteSkinnylatte Forumite
    1.2K Posts
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
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    edited 20 January 2014 at 12:47AM
    Hi Chardonnay, thanks for stopping by, we do seem to have a lot in common. I hope your daughter is doing well now, it's such a stress isn't it, when the little things seem like mountains to them and there's nothing you can do to make it better. You've done amazingly well with your debt busting.

    Seemed to get loads done today, the bathroom has been scrubbed to within an inch of it's life, and the car is fresh and clean, although the carpet is starting to go a bit mouldy, I'll just have to try and keep it as dry as I can, I can't afford to get it fixed again.
    Managed to get most of my to do list done plus a few other things too. I was decluttering a cupboard and found an old hand bag with a next gift card in it, will have to take it in and see how much is on it, pence probably!

    I had to buy some oil for the car as it was nearly empty and cousin turned up for his cash (I paid him to tutor (he's a teacher) DD for a maths exam, which she never took in the end so that was a waste of money!) So that leaves me £38 until the end of the month :( I will certainly be over budget this month, so will not be able to pay off as much as I'd hoped of the overdraft.

    Have an early journey to the airport in the morning, and am away until Thursday, so 3 NSD's, thank goodness!! :T
    Pay off Car Loan £17,047 £10580 by Christmas 2022

    Mortgage 1 @ 23/03/2019 [STRIKE]£101297[/STRIKE]
    £84457 16.6% DI [STRIKE]£6.95[/STRIKE] £6.15
    Mortgage 2 @ 12/04/2015 [STRIKE]£136121[/STRIKE]
    £100,546 26.1
    % DI [STRIKE]£9.13[/STRIKE] £6.07
    1st LBM 02/06/2013 £[STRIKE]21595[/STRIKE] Debt Free Day 27/03/2015

  • SkinnylatteSkinnylatte Forumite
    1.2K Posts
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
    ✭✭✭
    working away all week, so very frugal, with free shower gel and teabags from the hotel thrown in!
    I spent the week with some very wealthy people, which I felt a bit rubbish about really, they don't work any harder than me, all either were born or married into wealth. They thought nothing of spending £100+ on stuff in duty free, while I'm nicking shower gel from the hotel :rotfl:

    Working from home today, but not much motivation.

    I managed to get a £5 discount voucher (£40 min spend) in the mirror for Aldi, yesterday, although I don't need a great deal and only have £33 in my budget until the end of the month.
    Today I need to do a freezer stock take and plan until the end of the month.

    I discovered something on DD's facebook last night, she'd borrowed my laptop while I was away and left it logged in to facebook. OK I shouldn't read but I'm glad I did as saw a message arranging to sell something illegal to a boy at my sons school. So I need to sit her down and give her good talking to when I see her later. She will be outraged that I've read her messages and will try and deflect what she's done by the fact I've read her messages. Disciplining her is extremely difficult, but I can't just ignore this. :mad:
    Pay off Car Loan £17,047 £10580 by Christmas 2022

    Mortgage 1 @ 23/03/2019 [STRIKE]£101297[/STRIKE]
    £84457 16.6% DI [STRIKE]£6.95[/STRIKE] £6.15
    Mortgage 2 @ 12/04/2015 [STRIKE]£136121[/STRIKE]
    £100,546 26.1
    % DI [STRIKE]£9.13[/STRIKE] £6.07
    1st LBM 02/06/2013 £[STRIKE]21595[/STRIKE] Debt Free Day 27/03/2015

  • I feel for you Skinny!

    When my ds bunked off his drama rehearsals (he had a lead role) and then lost the part I went mental!!:mad: He said he wondered how I would react if he ever went to jail as I was such a headcase!!:rotfl:

    Hope the talk goes well. You are right. You need to address it however you choose to do it.

    Take care
    RR x
    £2 Savers Club 2014 £54 £20 Jan £14 Feb Mar£8 April £14[
    LBM FEB 2013 32,000 total.
    May 2014 Mum 1500/3000 MB CC 8,043
    BC1 1,900 BC2 5,551 TES 4,896 Nationwide 5,490
    Overdraft 3000 Total debt Feb 2014
  • SkinnylatteSkinnylatte Forumite
    1.2K Posts
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
    ✭✭✭
    RR they're a night mare at times aren't they! Well she took it on the chin and admitted she'd done wrong, although I have the feeling she wasn't taking my telling off particularly seriously.

    DS's TV blew up so he found him self the biggest ugliest TV he could on Gumtree and we picked it up yesterday. It's one of these 42" rear projection things, his bedroom now looks like a small cinema and he's chuffed to bits. Me too as it came out of his allowance and only cost £45, although getting it in the boot of the car was quite entertaining.

    Taking frugality to a new height yesterday I discovered that you can use a rolling pin to get every last drop out of a tube of tomato puree, works for toothpaste too!

    I've been mulling over for a while around whether to sell my electric piano. I never play it and it's worth £300-£400, however I really don't want to be without it, if it went I'd miss not having it, even though I don't play it. It sounds daft, but when I sold one before and was without for a few years, I really missed it. Its the last thing of any value that I own.

    Anyway I saw one on face book last night for sale for £50. The thought is I could sell my quite new yamaha one, and then keep this older technics one to replace it. I'm going to see it at 10am anyway.

    I have to admit that yesterday I did purchase a Skinnylatte :(. It's the first one this month, and DD and I walked into town and back for a costa, so it was good quality time and worth it.

    Off to see my nephew who's 1 tomorrow aaww. We're going to stop by The Company Shop, you can join if your employed by the NHS, emergency services or one of their suppliers, and you can take 1 guest. (http://www.companyshop.ltd.uk/) I've only been once before, with a friend as her guest but I am eligible to join. The bargains were amazing, Tesco Finest pizzas for 50p and jars of pasta sauce for 10p. It's pot luck what there is on the day, tends to be surplus stock and short shelf life products. Getting exited thinking about it :rotfl:

    Payday tomorrow finally, yey. I must get rid of this overdraft asap, it completely warps my judgement. Right now I'm £1277 over drawn against an over draft of £1650, so I think I have £373 left, which of course I don't really, I have nothing :(

    9 items ending on ebay tonight, all relisted from before. No bids and only 1watcher, I won't be holding my breath lol.

    Enjoy the rest of your weekend and thanks for reading x
    Pay off Car Loan £17,047 £10580 by Christmas 2022

    Mortgage 1 @ 23/03/2019 [STRIKE]£101297[/STRIKE]
    £84457 16.6% DI [STRIKE]£6.95[/STRIKE] £6.15
    Mortgage 2 @ 12/04/2015 [STRIKE]£136121[/STRIKE]
    £100,546 26.1
    % DI [STRIKE]£9.13[/STRIKE] £6.07
    1st LBM 02/06/2013 £[STRIKE]21595[/STRIKE] Debt Free Day 27/03/2015

  • SkinnylatteSkinnylatte Forumite
    1.2K Posts
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
    ✭✭✭
    OMG it's payday :j:j:j and you know what that means, in one end and out the other!!
    Most of my payments go out at the beginning of the month, but as I paid a whopping £700 off my over draft today, thanks to the months ebaying and a bumper milage claim, I couldn't resist updating my totals.

    I am now the proud owner of 2, yes 2, electric pianos. The one I saw on facebook was in fact lovely in real life and played every bit as well at the one I already own. So I bought it, I have to say it was a fantastic feeling to be able to find £50 cash the day before payday :T
    I've had a quick look on ebay and gumtree, it seems the going price for my original piano is around the £400 mark, so fingers crossed I make a nice quick profit on it.



    Dd's birthday tomorrow, 17 she is :shocked:, Her Dad and I have gone halves on driving lessons, so that was £110, and a couple of other gifts <£20, all budgeted for, purchased in the sale collecting [email protected]@ts points too.

    The trip to The Company Shop was great, not as good as when I visited just after christmas but I got.........
    24 sicilian pork meatballs, 3 pizzas, 8 beefburgers (nice butcher style ones), 9 lunch box apple drinks, 1 pack golden nuggets, pack frozen chicken breasts, 4 sainsbobs belgian chocolate soufles, morrisons luxury birthday cake, 8 tortilla wraps, 3 x chicken pies, 4 x jars pasta sauce, multigrain loaf, 2 x handwash, 4 x waitrose ready meals, 1 x butter, 1 x impulse spray, 1 x bottle lager all for £19.44
    That place really is amazing.

    With that and my yellow sticker foray last weekend, my cupboards and freezer are pretty stacked for February.

    Working from home tomorrow so a bit of fuel money saved, also have a couple of trips south in the next couple of weeks, so another good milage claim for February.

    I need to find more piano's!!
    Pay off Car Loan £17,047 £10580 by Christmas 2022

    Mortgage 1 @ 23/03/2019 [STRIKE]£101297[/STRIKE]
    £84457 16.6% DI [STRIKE]£6.95[/STRIKE] £6.15
    Mortgage 2 @ 12/04/2015 [STRIKE]£136121[/STRIKE]
    £100,546 26.1
    % DI [STRIKE]£9.13[/STRIKE] £6.07
    1st LBM 02/06/2013 £[STRIKE]21595[/STRIKE] Debt Free Day 27/03/2015

  • Wow! You are doing brilliantly!

    I also love a yellow sticker...!!!

    RR xx
    £2 Savers Club 2014 £54 £20 Jan £14 Feb Mar£8 April £14[
    LBM FEB 2013 32,000 total.
    May 2014 Mum 1500/3000 MB CC 8,043
    BC1 1,900 BC2 5,551 TES 4,896 Nationwide 5,490
    Overdraft 3000 Total debt Feb 2014
  • SkinnylatteSkinnylatte Forumite
    1.2K Posts
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
    ✭✭✭
    Spent a bit of time on Ebay and Gumtree last night, looking for things to buy and sell to make a profit, without much success. I might try a car boot at the weekend if the weather is OK.
    Have given up trying to find a cheap 2014 calender and printed one off for free from here , although I wish I'd printed it out at work :rotfl:
    Pay off Car Loan £17,047 £10580 by Christmas 2022

    Mortgage 1 @ 23/03/2019 [STRIKE]£101297[/STRIKE]
    £84457 16.6% DI [STRIKE]£6.95[/STRIKE] £6.15
    Mortgage 2 @ 12/04/2015 [STRIKE]£136121[/STRIKE]
    £100,546 26.1
    % DI [STRIKE]£9.13[/STRIKE] £6.07
    1st LBM 02/06/2013 £[STRIKE]21595[/STRIKE] Debt Free Day 27/03/2015

  • edited 31 January 2014 at 11:42PM
    SkinnylatteSkinnylatte Forumite
    1.2K Posts
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
    ✭✭✭
    edited 31 January 2014 at 11:42PM
    I thought it would be good for me to review how I've done the first month of 2014. I have not included any fixed costs such as utilites, rent, council tax etc. The reason being is that it was always these 'unfixed' costs that I continually overspent on, usually by £100's every month.

    I did cheat a little and have discounted what I spent between December payday and January 1st, however I have taken this to the end of January so it is a full month.

    The bad news is that I have over spent by £22.42, the good news it that my unbudgeted payment to my cousin was £75 and accounts for the over spend

    Total Spend £632.43 budget £610 Overspent by £22.43

    Groceries £168.33 budget £180
    Fuel £274.82 budget £300


    Other £189.29 Budget £130
    Coffee/eatingout/school lunch £66.17
    Gifts £29.49
    Health/hair/beauty £17.21
    Other £76.30 (includes £75 owed to cousin)

    Additional to the above I have paid a years car tax at £110 and another £110 on DD's driving lessons for her birthday. I also paid £50 for a digital piano, however I have a cunning ebay plan to make a handsome profit on this. For this reason I was unabe to put anything aside for my saving pots, ie car, Christmas/birthdays/holidays, emergencies

    Extra Income:
    £392 travel expenses
    £6.07 ebook sales (about 6 months worth :rotfl:)
    £276.75 Ebay sales

    Debt Payments in January £1041 total debt outstanding £12366


    No of Skinnylattes purchase = 2
    Miles traveled 1700 @ 58.2 miles per gallon.
    Clothes £0
    Toiletries for me £0
    Nectar points balance £10.39

    So all in all I'm pretty pleased. It's still a tough call to pay off everything this year, and relies on my annual bonus paying out in full, I won't know that for a couple of months yet.

    Looking forward to February, it's a short month, I have another bumper milage claim and a piano on ebay with bids of £225 and another 7 days to go. The cupboards and freezer is full, I have half a tank of fuel.:j
    My car is overdue a service and probably needs new tyres. :eek:

    I am concentrating on paying off the overdraft, as I think is the best thing to do psychologically. It currently stands at £950, I'll have to pull something out of the hat to pay it off this month, but you never know, stranger things have happened at MSE!!
    Pay off Car Loan £17,047 £10580 by Christmas 2022

    Mortgage 1 @ 23/03/2019 [STRIKE]£101297[/STRIKE]
    £84457 16.6% DI [STRIKE]£6.95[/STRIKE] £6.15
    Mortgage 2 @ 12/04/2015 [STRIKE]£136121[/STRIKE]
    £100,546 26.1
    % DI [STRIKE]£9.13[/STRIKE] £6.07
    1st LBM 02/06/2013 £[STRIKE]21595[/STRIKE] Debt Free Day 27/03/2015

  • SkinnylatteSkinnylatte Forumite
    1.2K Posts
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
    ✭✭✭
    I really enjoyed Martin's show on ITV last night, my car insurance is due in April so will be doing some work on that soon.

    Of to take DD to psychologist soon, hoping this will be the last year, she's made such good progress in the last few months, since she started working actually, MD's has given her a great sense of achievement and confidence, she talks about the future now. She wants to go to Uni and work in mental health, not sure how we'll achieve that just yet as she has no GCSE's, but compared to where we were 18 months ago....

    Have started the day with reused tea bags and soda bread toast from a tasty loaf donated by a friend. Cleared out the fridge and actually had to throw away some bread that had gone mouldy and hallumi cheese that looked suspect, but that was a free sample from work anyway so nothing lost.

    DS is away to watch a Rangers match with his Dad this weekend. DD is staying home alone at her Dad's, I'll keep an eye open incase there's any impromptu parties or such shenanigans, but other that that will be a quiet weekend.

    This weekends to do list
    1. Washing/dry/putaway
    2. Scrub living room carpet
    3. Clean shoes
    4. Tidy junk cupboard in kitchen
    5. Swish & swipe bathroom
    6. Bargain hunt at car boot if the weathers fair
    7. Meal plan/topup shop
    8. Chilax
    Have a good one every-one x
    Pay off Car Loan £17,047 £10580 by Christmas 2022

    Mortgage 1 @ 23/03/2019 [STRIKE]£101297[/STRIKE]
    £84457 16.6% DI [STRIKE]£6.95[/STRIKE] £6.15
    Mortgage 2 @ 12/04/2015 [STRIKE]£136121[/STRIKE]
    £100,546 26.1
    % DI [STRIKE]£9.13[/STRIKE] £6.07
    1st LBM 02/06/2013 £[STRIKE]21595[/STRIKE] Debt Free Day 27/03/2015

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