We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
My journey to a debt free life
Comments
-
Glad your wages are ok. I am not sure how I would feel about wages that change all the time. I struggle with them when they are the same!
I think the gambling post must have been a mistake x
I dont find it too bad because I have a basic wage that I know I'm going to get so my budget is set for that wage, then any extras are worked out depending on how many unsocial hours I do over the month, we also don't get paid our unsocial hours until the month after we have worked them so i can sort of plan for lower months etcOriginal Debt Owed Jan 18 = £17,630 Paid To Date = £6,736 Owed = £10,8941 -
I don't know what going on this week but I am shattered, work hasn't been busy in the sense that there were lots of patients but a few of the patients we do have have been very intense, yesterday was particularly stressful and I left last night wishing I could afford to leave or at the very least cut my hours a bit more but sadly this is not a possibility,I just need to plod on with it but I'm becoming aware that my job is not helping my mental health at the moment
I'm off today so have had a lie in and I'm just trying to muster up the energy to clean the house, I've done the chickens and walked the dog so the animals are sorted,I just need to get up and make a start on polishing and hoovering,I'm also working my way through the washing but still haven't tackled the ironing mountain, what is it about ironing that makes me put it off until there is loads to do,every time I say that's it I'm going to keep on top of it and I just don't end up doing it,I might just set myself a timer and see how much I can get done in half an hour
I might also get some sewing done today,I haven't done any over the last couple of days because I've been too tired,I went to bed at 9.30 on Tuesday night but then woke up at 11.30 and couldn't get back to sleep for a couple of hours, when I looked in the mirror yesterday morning I looked like death warmed up
Right I had better make a start on this houseOriginal Debt Owed Jan 18 = £17,630 Paid To Date = £6,736 Owed = £10,8941 -
Hi everyone from the soggy and cold Southwest,I'm pleased to say that I seem to have a bit more energy today,I worked yesterday so im off today and tomorrow, today has been spent shopping and doing housework, I still haven't done my ironing :eek: so I'm planning on doing it tomorrow now,DD1 will be round with the DGC so when DGS1 goes for a nap I will get my ironing board out,it doesn't seem too boring if you've got someone to chat to while you do it, mind you DD is leaving DGC1 with me for a couple of hours tomorrow while she goes to a meeting about going back to work in May so she might not be back while I'm actually doing the ironing
I've also done my banking today and I'm very happy to report that I've managed to start my Christmas savings account this month,I've deposited £50 in there with the proviso that if anything goes pear shaped I can always draw it back out again, the thing is it was hanging around in my current account and I just know it will get absorbed into daily spending if I don't move it now,I hate spending the money in my savings accounts so normally once it's in there it stays there
I have to admit I've been a bit slip slidy with my finances last month,I haven't spent on anything big but have been having the odd lazy moment and buying lunch at work or treating us to pizza,it all adds up and it's got to stop because it's a very slippery slope,I keep trying to do NSDs and record them but something always crops up and I never remember to record them,I'm a member of a private frugal group on FB and someone on there puts a cross through any day on the calendar where they didn't spend anything, it looked like a really good visual reminder and prompt so I'm going to try it out this month
My SC payment went out today as well so I can update my signature now, apart from that all is quiet in my world 😊Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,736 Owed = £10,8942 -
At least you've recognised you've gone off the rails a bit spending wise and are doing something about it before it gets out of hand. The visual for NSDs is a great idea, it's just the feeling of crossing it off. I'm trying to count mine this month and make an effort to have at least 2 a week.I get knocked down but I get up again (Chumbawamba, Tubthumping)1
-
Just to add when I first started using this forum, I remember congratulating someone on their NSDs and saying they must be feeling healthier - I thought it stood for no smoking days :rotfl:I get knocked down but I get up again (Chumbawamba, Tubthumping)1
-
:Sun_Addict wrote: »Just to add when I first started using this forum, I remember congratulating someone on their NSDs and saying they must be feeling healthier - I thought it stood for no smoking days :rotfl:
:rotfl: :rotfl:Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,736 Owed = £10,8942 -
Onebrokelady wrote: »I dont find it too bad because I have a basic wage that I know I'm going to get so my budget is set for that wage, then any extras are worked out depending on how many unsocial hours I do over the month, we also don't get paid our unsocial hours until the month after we have worked them so i can sort of plan for lower months etc
Yep, can see that. I didn't think of that!
Christmas saving is great. I wish I could do that, but I am thinking mine is more likely to be an April thing xSeptember 2017 Debt = £25330
Starting afresh.
You can do anything if you put your mind to it. x1 -
Today I had the excitement of our yearly mandatory study day, which meant arriving at work to spend an hour and a half practicing Basic life support on various sized dummies, this was followed by a day of talks about various subjects such as domestic violence, infection control and the new system we will be using when we go digital in June :eek: today was nice because I got to finish work at 4.30so technically an hour late for an early shift but hey ho I can't do much about that
I'm off tomorrow and don't really have plans apart from going to buy chicken food,can you believe it I still haven't done the ironing :rotfl: this has got to be a personal best on procrastination :rotfl:
The DGC were a bit demanding yesterday so I didn't get time to do it while they were here and I was too tired when they went home,I'm going to try really hard to do it tomorrow
I'm not doing anything this evening apart from lounging on the sofa,I've taken in so much info today that my brain is fried,I have day 2 of the study days on Friday and I'm doing that one as part of a long day so will go back to work on the ward for a couple of hours once it's finished
I didn't sleep very well last night because my knee is playing up,I hurt it a few months ago and it's been clunking ever since, clunking knees are often nothing to worry about so I haven't done anything about it so long as it remained pain free but last night it started throbbing and has been like it all day today,I will see how it goes and if it gets any worse I will have to make a gp appointment to get it looked at, it's not swollen or hot just throbbing in one particular spot,I will spray it with deep heat later to see if that helpsOriginal Debt Owed Jan 18 = £17,630 Paid To Date = £6,736 Owed = £10,8942 -
I find training days really frustrating and could do without them.
Did the deep heat help? I always find it does for me and I love the smell of it as well. How are you finding the new forum? I think I will get used to it eventually!
September 2017 Debt = £25330
Starting afresh.
You can do anything if you put your mind to it. x0 -
I'm not a fan of the new forum at the moment as I've lost my avatar, all my thanks and half my badges
. But perhaps it willl grow on me.
I hope your knee becomes less painful soon OBL. Well done on starting your Xmas savings already.
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 MONTHS0
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351.9K Banking & Borrowing
- 253.5K Reduce Debt & Boost Income
- 454.1K Spending & Discounts
- 245K Work, Benefits & Business
- 600.5K Mortgages, Homes & Bills
- 177.4K Life & Family
- 258.7K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards