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I don't need another skinny Latte

edited 30 November -1 at 1:00AM in Debt Free Diaries
673 replies 99.2K views
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  • SkinnylatteSkinnylatte Forumite
    1.2K Posts
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
    ✭✭✭
    Oh where's my motivation. Still in bed and really can't be bothered with anything. DS took himself off to the chemist today for spot cream and some deodorant that works, so that's me £9.36 down.

    DD wants some soup as her teeth hurt, so I better go and dig out some carrots. :)
    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 4th day in an you've near paid £100 A DAY off your debt! go you x
    :(:j:jDebt:
    £18426


    Being broke isn't the end of the world...it's the begining of a new plan!
  • SkinnylatteSkinnylatte Forumite
    1.2K Posts
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
    ✭✭✭
    EmilyTee wrote: »
    wow 4th day in an you've near paid £100 A DAY off your debt! go you x
    I wish it was always £100 per day, but most of my payments go at at the beginning of the month so it's a bit misleading!
    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!
    ✭✭✭
    A pleasant day in all.
    I had just been discussing with DD whether she had any use for body lotion (she didn't) as I seem to have loads of it that come with gift sets. I always use the shower gel, but never the body lotion. Anyway I was then watching Superscrimpers on TV and they advise you can polish your shoes with body lotion - cool it worked a treat, so not only do my work boots look good they even smell nice!

    I am going to try and see out the whole year without buying any shower gel, I have a few bottles from Christmas, and will see how many freebies I can 'obtain' from hotels when I'm working away this year! I will probably need some for DS, as he won't use mine, needs to have all this macho looking stuff!

    I even sewed up a jumper that was starting to go under the arms, and my PJ's that had a hole in them, I need to make a start on socks next.

    I will start looking for another house again too, this one is nice, but it's in a very posh area and the rent and council tax are high, also the garden really overwhelms me. Although I really don't want to move, it would be the 5th move in 5 years, I could save £1200 a year easy.

    Banking all checked and looking on track, might even be able to afford a takeaway at the end of the month if I'm careful. DD was angling for one tonight but I held firm and made meatballs from the freezer instead.

    1 day left of the holiday, time to get geared up and organised.

    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!
    ✭✭✭
    Back to work tomorrow, and I should be asleep by now as I have to be up in less than 6 hours, but my sleep pattern is now all over the place. So I'll just have to stick it out tomorrow.

    I went to town today, got a couple of birthday pressies for DD who is 17 at the end of this month, an illuminated mirror from Boots, reduced from £49.99 to £16.99, I can't believe any-one thought it was worth £49.99! And a half price box of Milktray. Her main pressie is driving lessons that her Dad and I are going to go halves on.

    My lovely employer gave me a £50 Asda gift voucher for Xmas, so I went in today and did some bulk buying, I think I have enough toothpaste and washing powder to last me the year now, along with 2kg of chicken, 3kg pasta and some store cupboard jars & packets.

    As I was passing £land I stocked up on £1 hair dye, I can't believe how good a deal that is, I was paying £5-£6 before this and there really is no difference.

    I then filled up at Sainsbury's, as I've worked out that even though Asda is cheaper for petrol, the nectar points value makes it a better deal. I forgot I had a double points voucher in my bag though :mad:

    I even queued for the free tyre pressure machine, to discover that my tyres were nearly flat, which won't be good for the fuel economy. :(

    Also washed the car, cleared out the shoe cupboard, treated a couple of jumpers with white vinegar to try and get deodorant stains out (didn't work), made a lasagne with left over meatballs from last night for Mondays tea and listed 15 items on Ebay - phew I have been busy! If all my ebay items sell for the starting price I will get £140 less fees, so fingers crossed. :)

    DS was away at a football match today and DD was working, so there was only myself to feed and I used up left overs, soup and spaghetti with blue cheese and Xmas cake:T

    I had an unexpected bill this week, when my boiler in the house that I rent out, broke down, £192, I'd used my emergency savings before Xmas for a £270 car repair, So that'll be no savings put by this month. As the end of this month is DDs birthday and car tax I don't think there will be any savings next month either

    Learning's from today
    1. Check my bag for coupons before I go shopping
    2. Check my tyres more often for better fuel economy (preferably at Sainsbury's because it's free)
    Thank you 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!
    ✭✭✭
    Felt a bit grotty all day today, it must be that return to work feeling! I had a meeting with my boss today, they want me to do more travelling than I am already, some long haul flights too. I've said that's fine but I'd like to work more from home instead of driving to the office when I'm not abroad so I can spend more time with the kids. I can't imagine that it's a long term strategy as it's tiring work, but while I'm away I'm living free, and while I'm working from home I'm saving £10 a day in fuel, win win :T

    Working in Spain this week, so lots of lovely milage to the airport to claim, I calculate my milage payable at the end of this month will be around £370 woohoo

    Took a quick trip to Sainsbobs today for a meal deal for DS, we're doing packed lunches, but as I'm away from tomorrow then £3 seemed a better deal for just the one day than buying all the gear for a packed lunch, his Dad can sort the rest of the week. Also stocked up on cold cures to take with me in case I really am coming down with something, and DD wanted ice cream, so that's £9.33 down. The rest of the week should be NSDs.

    Inflating my tyres yesterday seemed to do the trick, my average milage reader on the car has been going up all day. :)

    Tea was the meatball lasagne I made last night, and then we had a game of monoply, which I lost big style, see I'm not even good with pretend money :rotfl:

    I've been invited to a party Saturday night, by my bessie, said I'd go which was a bit daft really, oh well I will have to give my self the night off and drink very slowly!

    I listed 15 things on Ebay last night, and have bids already to the value of £75, if I can get my overdraft down to <£1000 by the end of this month I'll be a happy bunny.

    Better sleep now, I certainly didn't get enough last night, Good night all 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!
    ✭✭✭
    Well it's not really sunny, but it's warmer than gatwick! Had a NSD today , still feeling a bit achy and not on top form, I hope I brought enough paracetamol with me.

    Hotels quite nice, although mouldy bits in the bathroom let it down. 7/10 I'd give this one

    I had a bit of a moment when I realised I might have to pay £1 for a plastic bag to put my liquids in to go though security, but managed to fob them off with an a4 plastic doument wallet.

    Internet connection is not great and unsecure, so can't check any accounts until I get home on Friday.

    Spoke to the kids tonight, DS is not well, I think he has my New year bug, not great on his first day back at school.

    Need sleep - Buenas noches amigos
    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!
    ✭✭✭
    In bed, full of cold and feeling rubbish. I can't remember the last time I actually felt well. I think it was Christmas.
    I'm run down and feeling a bit sorry for my self. I've spent a fair while on here this morning reading other peoples diaries, and reminded my self that I must get on with my journey. I need to move my bum out of bed, and get a shower, the house is a tip and there's no food in, onwards and upwards.
    So today I need to
    1. Tidy up and hoover
    2. Meal plan
    3. Shop
    4. Pack up what sells on ebay tonight - a little worried about this, as I only have bids on 3 of the 15 items, and even these bids are much lower than I hoped.
    That'll do, if I get all that done the way I'm feeling now it'll be a miracle!
    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

  • minkyrminkyr Forumite
    38 Posts
    Hello


    Sorry to hear you're feeling so rubbish - hard to get motivated when you're full of virus. Travelling for work never helps when you're bugged either.
    Anyway, hope fleabay came up trumps for a more positive start to the week!


    M
    Little steps and great strides both get you there.
  • SkinnylatteSkinnylatte Forumite
    1.2K Posts
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
    ✭✭✭
    Thanks for stopping by Minkyr. I am feeling a fair bit better this evening thank fully, and seem to be getting my appetite back. Haven't eaten much since a tummy bug at New Year, but now STARVING!!

    This weekend has been a little disappointing in spends. I did go out last night and bought the first round at £11.90 :eek:, after the second drink I didn't feel well at all so went home, lol. DS needed £7 for photo's for his football membership, and DD persuaded me to take her for coffee and @ £5.90. Having said that we had a good chat, and it was the cafe at the local Buddhist center she wanted to go to as it's peaceful. This is great, as she does suffer with anxiety and some pretty horrible angry behavior at times. So to want to go some-where that's 'good for the spirit' is all positive. I had a pot of tea, she had a latte and panini!

    Did an Ald! shop this afternoon too, only spent £25, as we didn't seem to need that much.

    Sunday roast was left over Turkey from Xmas, 39p cabbage from Ald!, and potatoes and carrots from my farm bags. Fruit strudle @ 99p from Ald! (how I love that shop) and I treated us to a bottle of Schloer for £1.25.

    Ebay was a serious of highs and lows, only 5 of my 15 items sold, however I was delighted that my old defunked laptop reached £105, yey!! In all the 5 items made £225, so add that to the £370 travel expenses I'll get at the end of the month (must remember to put my claim in tomorrow!) that's nearly £600 to throw at the overdraft. I might make a bit more on pstage too, I have 2 larger items that I'm going to send by courier rather than take to the PO, as it's much cheaper.

    I will relist everything that didn't sell on Thursday, after that I really don't think I've got that much left to sell!

    I've put an ad on our local Facebook page for a lift share, although working away such a lot and then more homeworking, that shouldn't be too many days I need to drive to the office, but every little helps.

    I've loaded a couple more Youtube videos this weekend, and the ones I did last weekend seem popular, but over all the whole Youtube thing is down by nearly 50%, I'm hoping this is just Xmas/new year. The FB page now has 2000 likes, I must remember to post more stuff, I tend to find all this social media stuff boring and energy/time consuming, but it's the way to go to promote anything online.

    Well, I need to eat before turning in. Hope every-ones has a good weekend and your week starts well.

    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

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