Starting over again- Take 2

nannytomany

Hi Shelbi, have been reading, not commenting so much but had to tell you i have been inspired to looking at Dave Ramsey after you mentioned him and as usual (OCD in me) have been listening to him every night. It makes sense what he says and I particularly like the way he gives ideas to show children by example (not that I have been a good example) but now we have our DGS living with us I want to show him a better way as well as get out of debt myself. I do find it strange that you need $1000 or £600 (approx) savings but it seems to work so I am going to give it a go and have the spectacular amount of £5.86 saved onward and upward, oh yes have just gone to cash for clothes and got £15 so that will go into it. Just wanted to say thank you and sorry for rambling, might start my own diary and can ramble there to myself lol, good luck for the week ahead

Shelbi

Hi Minnymoo & nannytomany :hello::hello:

Thank you so much for your lovely messages.. apologies for my late reply, life either is quiet then gets crazy busy...but im still on my mission...

Minniemoo welcome honey Im so happy you found my ramblings helpful, it really makes me smile...& motivates me to continue with my mission so thank you..I wish you the best of luck with starting over my dear...its going to be awesome...heres to new starts :beer: hope to here from you again soon

Nannytomany... hiya hun ..im super excited youve found Dave Ramsey ...He's great isnt he.. I know what you mean Im addicted to his talks and show, love the way he delivers his message, cracks me up sometimes...I know what you mean about the £600/$1000 emergency fund...I thought the same especially when I know cc2 could be £600 trimmer...but just think if Murphy comes a knocking well have a little something to kick his a$$ with :rotfl: ... So please keep up that emergency fund bill....think of it as Murphy repellent ..Im loving the cash for clothes idea hun....well done, youll be fully topped up in no time:T, loving it...it inspires me...bet you're a fab role model for you DGS and you're about to get even better...Im going to be subscribing to your Diary too, cheering you on, on your journey:j...we can totally do this...

Wishing you both a lovely weekend...speak soon S x

Shelbi

Ok so ive been MIA the last couple of days, lots of socialising and time spent helping friends, has actually been quite nice...always good to feel useful...right now I feel like im gotwired night out last night to celebrate my Aunts 40th, im not much of a raver now days but gave it my best shot....& managed to make it till the end..strolled in at 6am (wasnt pleased about this but am happy to report that i have found a alcohol substitue...red bull! cheaper alternative and kept me two stepping away all night... no hang overs & no giant bar bill.....lovely! Ok I did have a glass of champagne, vodka & orange and wine but these were mostly at home before we left (rude not too)..I dont really drink soft drinks so the red bull gave me wings...good news is now ive found a replacement that will keep me jolly too...hen night expenses should be alot cheaper...this makes me happy...cash saved more to cc2.

Shelbi

Opps sorry hit post...that last message was ramblings. too little sleep & too much caffine sorry:o

Pay day has arrived but am unable to make large payments until my money transfers to other accounts....opened a few accounts a while ago for the free money so have to wait for the cash flow where it needs too.

Have received £6.15 from qui$co & after reading nannytoomany post on £600/$1000 i figured will draw down emergency fund to that level exactly rather than £800 odd i ha....still Murphy repellent...so made a payment on cc2 for £225 today...on the 2nd of July can make some more. need to update budget & signature. Have moved monthly rent payment to another account to make sure i dont go overboard with payments too cc2 and dip into it...so far have earned £20.99p on ebay, hoping for some more bids.

Will have a nsd today & tomorrow...will also be in for the rest of the weekend I think...Have a wonderful day guys x

nannytomany

Shelbi wrote: »

Hi Minnymoo & nannytomany :hello::hello:

Thank you so much for your lovely messages.. apologies for my late reply, life either is quiet then gets crazy busy...but im still on my mission...

Minniemoo welcome honey Im so happy you found my ramblings helpful, it really makes me smile...& motivates me to continue with my mission so thank you..I wish you the best of luck with starting over my dear...its going to be awesome...heres to new starts :beer: hope to here from you again soon

Nannytomany... hiya hun ..im super excited youve found Dave Ramsey ...He's great isnt he.. I know what you mean Im addicted to his talks and show, love the way he delivers his message, cracks me up sometimes...I know what you mean about the £600/$1000 emergency fund...I thought the same especially when I know cc2 could be £600 trimmer...but just think if Murphy comes a knocking well have a little something to kick his a$$ with :rotfl: ... So please keep up that emergency fund bill....think of it as Murphy repellent ..Im loving the cash for clothes idea hun....well done, youll be fully topped up in no time:T, loving it...it inspires me...bet you're a fab role model for you DGS and you're about to get even better...Im going to be subscribing to your Diary too, cheering you on, on your journey:j...we can totally do this...

Wishing you both a lovely weekend...speak soon S x

It makes me laugh when Dave Ramsey said STUPID so want to say that to so many people but in his accent:rotfl:

supersaver1000

Just popping in to say hello. Good luck on your debt-free journey.

MinnyMoo

Thank you Shelbi for your lovely welcome.

Well done for sticking to redbull and having a cheap fun night out.

Dave Ramsay does make a lot of sense and I guess with the emergency fund It's handy to have a bit of ready cash. I always used to think of a spare credit card as an emergency fund but you can't pay for everything with one of those ie, rent/mortgage. Well like he says it's all just common sense.

I'll have to look into cash for clothes Nanny to many thanks for that, bit cross with myself for just haven taken some to the tip recently, I just wanted some space

nannytomany

MinnyMoo wrote: »

Thank you Shelbi for your lovely welcome.

Well done for sticking to redbull and having a cheap fun night out.

Dave Ramsay does make a lot of sense and I guess with the emergency fund It's handy to have a bit of ready cash. I always used to think of a spare credit card as an emergency fund but you can't pay for everything with one of those ie, rent/mortgage. Well like he says it's all just common sense.

I'll have to look into cash for clothes Nanny to many thanks for that, bit cross with myself for just haven taken some to the tip recently, I just wanted some space

MinnyMoo, you don't get much but it all helps, I have always taken my stuff to the charity shop but I took loads to there too so don't feel too guilty.

Shelbi

:hello::hello:Morning guys

Happy Sunday!! Feeling so much better this morning, Thank you supersaver1000:)...minniemoo youre so right it is common sense, unfortunately common sense isnt that common (not in my case anyway :rotfl:;)...nannytoomany clothes for cash sounds great I will definitely be looking into that too..youre right every little helps...

Today is my cousins birthday so will be heading out after all, luckily have a bottle of wine I can take, a birthday gift I am going to recycle and give to her (just got to find it) and I have a birthday card (im one of those sad people who buys them in bulk just incase so only expense will be petrol which I actually need to top up...and yup i will be doing a little search to see which is cheapest petrol near me this week!

Have made a cc2 payment of £74, and a donation of £5 to the food bank...(£6.25...as I gift aided...I do love that, like a gov top up...least I know its going somewhere useful...as im sure most of it does) Ok so thats pretty much my updates for the morning..ill be back later to check in...wishing you all a fun, fab & frugal day....x

supersaver1000

Thanks Shelbi. I think we have roughly the same amount of debt. I would love to get rid of it in a year so am going to follow you if you don't mind and see if I can do it too.