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Starting over 2017

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  • Dorastar
    Dorastar Posts: 2,174 Forumite
    Part of the Furniture 1,000 Posts
    I know, I am just impatient with things...and myself. Must remember that baby steps take time.
    Mortgage £119,533 going down slowly
    Emergency fund £1000/£1000
    Savings for big things £9017
  • beanielou
    beanielou Posts: 95,469 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Baby seps take time.
    I am the Queen of them.
    Keep plodding :)
    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****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Dorastar
    Dorastar Posts: 2,174 Forumite
    Part of the Furniture 1,000 Posts
    £5 from Swagbucks, £16 from Panelbase, staying indoors today cos storm Eleanor is a nasty one!
    Mortgage £119,533 going down slowly
    Emergency fund £1000/£1000
    Savings for big things £9017
  • Dorastar
    Dorastar Posts: 2,174 Forumite
    Part of the Furniture 1,000 Posts
    Small round of applause for contacting Mr T and getting a 30 day hold put on loan and then possibly moving to a £1 payment for a while....and breathe. Baby steps.
    Mortgage £119,533 going down slowly
    Emergency fund £1000/£1000
    Savings for big things £9017
  • beanielou
    beanielou Posts: 95,469 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Dorastar wrote: »
    Small round of applause for contacting Mr T and getting a 30 day hold put on loan and then possibly moving to a £1 payment for a while....and breathe. Baby steps.

    Well done you :j:j
    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****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Dorastar wrote: »
    Proud of myself, rang Stepchange and talked through budget and everything. Can't have a DMP as we don't have enough money coming in to cover outgoings at the moment even if we cut things back to minimum in every area. Only option is to ask for a payment freeze while I job hunt some more...as per every day. Ah well...never mind.

    Well done for ringing them Dora :T.

    We were in the same situation and did token payments of £1 a month for two years, until we could withdraw the pension. It helps to buy time.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
    HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS
  • Scott_Weiland_2
    Scott_Weiland_2 Posts: 799 Forumite
    Did you mention to stepchange your survey earnings on your income??? I know in some cases it only be 30-40pm but at times that can be enough to push your budget up to go on a dmp etc etc. I think with mine i told them i earn 50pm from surveys which is about right give or take.

    Only reason i say that is i noticed that fiver from swagbucks and bit money from pinecone.
    Cashback Earnings YTD £46.04 Survey Earnings YTD £182.66
    "Always always train, be the best version of you that you can physically be"
  • Dorastar
    Dorastar Posts: 2,174 Forumite
    Part of the Furniture 1,000 Posts
    I didn't tbh because we're way over budget which ever way you look at it, I will mention it going forward though but it's not consistent so hard to judge. Set up basic bank account with no problem this morning with hubby. He is finding it all really difficult because he is more a head in the sand and it will go away type. Found 9 jobs to apply for over the next week so that's a big positive too.
    Mortgage £119,533 going down slowly
    Emergency fund £1000/£1000
    Savings for big things £9017
  • beanielou
    beanielou Posts: 95,469 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Hope job applications go well.
    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****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Chrystal
    Chrystal Posts: 1,997 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Keeping my fingers crossed for you Dora that things start to fall into place. X
    I Believe.....
    That it isn't always enough, to be forgiven by others.
    Sometimes, you have to learn to forgive yourself.

    Yesterday is history, tomorrow is a mystery
    Today is a gift. That's why it is called the present.

    happiness isn't achieved by getting extra things,
    but by getting rid of the things that make you unhappy
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