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In the Lowest Hour

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  • ceremony
    ceremony Posts: 241 Forumite
    Third Anniversary 100 Posts Name Dropper
    Just dropping in to say I hope you had a good Christmas, and best wishes for the new year!
    Start Debt Jun 2020 = £10,036 - Current £5,894 | #324 £1,000 Emergency Fund Member - £205
  • Happy New year Sam x
    LBM in April 17 - Starting card debt £33554
    Mortgage@1 June 18 - £76350
    Total debt @june 18 £102311
    Debt Jan 25 £8282
    Mortgage £51215. Total debt now £59497
  • RosaBernicia
    RosaBernicia Posts: 4,909 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Happy new year Sam, hope it brings you many happy times xo
    Debt free May 2016... DFW#2 in progress
    Campervan paid off summer '21... MFW progress tbc
  • doingitanyway
    doingitanyway Posts: 9,980 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Happy new year Sam. Keep on with the positivity :)
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • moneyonmymindsam
    moneyonmymindsam Posts: 2,243 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Combo Breaker
    edited 8 January 2021 at 11:30PM
    So have been decluttering 2 items a day since Jan 1st. Today I had to go to the bank so went a bit spendy mad lol. I brought make up, a colander, bleach and doughnuts so I've pretty much just undone some decluttering but it was pound land so not a dent on the budget. 

    Anyway I move on, income at an all time low so apprehensive but I'm used to frugal living anyway. I still don't know what my 2021 to do /goals are.

    I need to 
    MOT the car. 
    Pass test (which is now moved to end March 2021 fgs)
    Sell the property! just bite the bullet and do it. LD3 has not helped this time frame as its so far away.

    Paid the solicitor today (need the sick face and the money with wings emoji's here) but I'm irrate this has dragged on so long it's making me unwell. Not heard from HMRC/DWP so unknown if anything is to be paid back or not, sometimes I'm angry as how anyone can go months of not knowing if they owe a small fortune or not, we have been waiting 5 months now. 

    Had a telephone interview for an additional job although not ideal for me it's something so praying on that. 

    My health is 50/50 so I do need to practice more selfcare. I really could do with a pamper but even having a bath and doing my hair seems an overly energetic task at the moment. 

    Food wise I've been terrible at not eating at all so must try a lot harder - going to go shopping tomorrow if its not overcrowded so perhaps I will get supplies to batch cook or just buy more soups and yogurts. 

    My selling, budgeting and saving is going really well so a lot to be positive about. I need to think about a savings diary. 
    Sam x



    Grocery challenge Feb £107/£100-epic fail due to cake and biscuits
    🌟
  • Well done. You're doing great. Just think that if things hadn't already left the house you would have been adding to it not just replacing it. 
    It's a shame about the test. Hopefully gives you a little bit more practice time for a first time pass (I've done it 7 times and still not passed 🤣).
    Take some time over the weekend to look after you. Get plus one to run you a bath and enjoy it x
    LBM in April 17 - Starting card debt £33554
    Mortgage@1 June 18 - £76350
    Total debt @june 18 £102311
    Debt Jan 25 £8282
    Mortgage £51215. Total debt now £59497
  • RosaBernicia
    RosaBernicia Posts: 4,909 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Hi Sam
    Good luck with the driving. 
    Maybe see if you can think of some things you really enjoy to encourage you to eat?  Curl up with a cupp and have a look through your cookbooks?
    RB xx
    Debt free May 2016... DFW#2 in progress
    Campervan paid off summer '21... MFW progress tbc
  • I've cooked a roast today and brought some of those pancakes (usually duck/Chinese type ones) so can pop some shredded meat in tomorrow so that's another meal. Brought a lot of tins of soup and yogurts so all will be easy. I've done my hair today so that's out the way. I also tried a Xmas face pack quite fabulous but my skin now feels a bit hot/sensitive so not sure I will pursue the rest of the pot will see tomorrow. 
    Did a finance shuffle all OK on that front. 
    Sam x
    Grocery challenge Feb £107/£100-epic fail due to cake and biscuits
    🌟
  • abba1772
    abba1772 Posts: 7,746 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    Well done on the decluttering Sam xx 
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05

  • Bit of an all time low, been looking for more hours since May but now unemployed again with no hours. I can always do fleabay so trying not to be disheartened at the latest knock. I think after all bills/outgoings my budget is now £25 a week. Fuel (if needed) food, pet food and no further birthdays until June so all good on the gift front.

    Looked into prolific so that may help a wee bit. 

    Have savings so all OK but really need to not dip into. 

    Have pots for vets and for Feb mot so hopefully it will be OK. 

    Hope everyone is safe and warm, better times are coming I'm sure of it. Gawd knows what I'm going to do with myself 😅
    Sam x




    Grocery challenge Feb £107/£100-epic fail due to cake and biscuits
    🌟
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