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  • FIRST POST
    • SSDD23
    • By SSDD23 13th Jan 19, 6:29 PM
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    SSDD23
    New Year New Diary :)
    • #1
    • 13th Jan 19, 6:29 PM
    New Year New Diary :) 13th Jan 19 at 6:29 PM
    Hello fellow MSE'rs.

    I umm'd and ahh'd about creating a new diary to replace the old one, but so much happened last year between the start of my diary and now that my debt didn't really go down much (bought a car, wrote off a car, bought a new car, christmas, etc) so I thought I would start fresh with this new one, to actually record the debt going down.

    Debt is circa 5k, between various cards and short term loans all of which are being paid off monthly and gradually decreasing, so the main focus is making extra money, having lots of No Spend Days, and splitting the extra money between over-payments to debts and putting money into an emergency fund.

    I'm currently taking part in quite a few debt free challenges - pay off your debt by Christmas '19, Sealed Pot Challenge, 1 debt vs 100 days, make £10 a day challenge and the NSD challenge. Each of these challenges make the world of difference, all of the encouragement goes a long way!

    So this is just a quick hello (again) from me, a hello to anyone new reading and a big hello and big sorry (for starting afresh) to anyone who was reading the whole diary - it's like the good feeling of starting a new journal with all of the blank pages to fill, but online.

    Here's to debt-busting!
    Last edited by SSDD23; 16-01-2019 at 8:58 AM.
    Debt Target #01 - £0/£228
Page 5
    • SSDD23
    • By SSDD23 22nd May 19, 4:19 PM
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    SSDD23
    - sort out htb isa for oh done
    - add last code to sun savers for thorpe park tickets & book done & done
    - book day off of work on mot day in case i am needed for anything put in request
    - keep an eye on prolific and swagbucks done - not as profitable as yesterday but hey ho
    Originally posted by ssdd23



    ...............
    Debt Target #01 - £0/£228
    • SSDD23
    • By SSDD23 23rd May 19, 10:09 AM
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    SSDD23
    I am very much enjoying the lovely weather at the moment, hope you are all enjoying it too. I was just thinking about the savings on our gas bill at the moment and now I can't remember if I turned off the timed heating after my shower or not (I just pop it on so the towels dry on the towel rail) I'll soon find out when I get home, but I'm out all evening first fingers crossed I just did it on autopilot!

    Bad news is my foot is mega-painful so I need to go back to the physio. I can feel my OH mentally shaking his head every time I book another appointment but I need to believe that I can get it fixed and get back to doing the things I love, or even just walk pain-free! The good news is that eBay have refunded some big fees on an item so that covers most of the cost

    I am looking forward to going to the second job this weekend and doing some proper training, I am doing 3 hours both days so not a lot and I will be done by 1PM each day so it's not like it is taking much out of my day! I am also mildly optimistic I might get the pay from the 3 hours last weekend (The whole £20 it will be ) on their usual payday of the 28th but I'm equally not bothered if I don't get it. It just means I'll have an extra 9 hours pay on next month's payslip, which is around an extra £60 I know I get taxed 20% on this second income so it works out around £40 actually in my pocket per weekend, not including any overtime I pick up (which I intent to do as much as I can)

    No to-do list today I am on top of all life admin at the mo, I just need to keep an eye out on PA and swagbucks as usual x
    Debt Target #01 - £0/£228
    • SSDD23
    • By SSDD23 24th May 19, 8:31 AM
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    SSDD23
    I am on a roll with posting!

    I am currently at work waiting for the person to turn up to repair the chip on my windscreen, I checked my policy and repairs are free via insurance with no impact on no claims, so I saved the £25 I was going to spend. I'd rather a proper company do it that specialise in it, than take it to Halfords. So now all I need to do before MOT day is replace my cracked reg plate (happy for Halfords to do that one) and give it a clean and tidy up.

    I did leave the timed heating on yesterday but I actually doubt that it ever kicked in, the thermostat is set to around 14 or 15 degrees I think and it was never any cooler than that when it would have been the time period for it to be on.

    Not much else to report, just plodding along until payday now!
    Last edited by SSDD23; 24-05-2019 at 8:31 AM. Reason: "I am a roll" to "I am on a roll"
    Debt Target #01 - £0/£228
    • Purplemumof2
    • By Purplemumof2 24th May 19, 10:45 AM
    • 7,179 Posts
    • 27,673 Thanks
    Purplemumof2
    Hope your foot gets better soon and yay to getting the chip repaired for free x
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £4700.00 Lloyds: £8800.00 BC: £405.51 Cap One: GONE
    June LTW 4/19 ~ June NSD 1/5
    PAYDBX 2019 #041 PD £3217.41/£5604.30
    Savings for Christmas £250.40/£500 ~ EF £55/£500
    20p Savers 2019 £2 Savers 2019 50p Savers 2019 SPC 12 2019 #003
    • SSDD23
    • By SSDD23 24th May 19, 11:39 AM
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    SSDD23
    Hope your foot gets better soon and yay to getting the chip repaired for free x
    Originally posted by Purplemumof2
    Thank you, I'll always hold out hope that it is fixable

    And yes free is always good x
    Debt Target #01 - £0/£228
    • Munchin
    • By Munchin 25th May 19, 3:22 PM
    • 2,619 Posts
    • 8,532 Thanks
    Munchin
    Hi SSDD23

    Just caught up with your diary. I have a dodgy knee and every now and again I head back to docs/physio in the hope something will work - so hopefully your foot will find a fix.

    I started with Monzo recently but only have a 1p a day pot. I would like a buffer pot so that Iím not living Paycheck to paycheck.

    Good luck
    • SSDD23
    • By SSDD23 27th May 19, 9:11 AM
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    SSDD23
    Hi SSDD23

    Just caught up with your diary. I have a dodgy knee and every now and again I head back to docs/physio in the hope something will work - so hopefully your foot will find a fix.

    I started with Monzo recently but only have a 1p a day pot. I would like a buffer pot so that Iím not living Paycheck to paycheck.

    Good luck
    Originally posted by Munchin
    Hi Munchin, nice to see a new face on my diary

    Fingers crossed for my foot and your knee, I have my appointment at half 3 today so we shall see what he says!
    Debt Target #01 - £0/£228
    • SSDD23
    • By SSDD23 27th May 19, 11:20 AM
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    SSDD23
    Both shifts at second job went well over the weekend, I will find out tomorrow I guess if I am going to get any money for the first shift I did with them

    Doing my usual few hours at main job today, always pointless on a Bank Hol all I do is a bit of cleaning and mostly sit on the computer trying to earn some extra pennies.

    Physio after work today, then home to have dinner with OH and I think we are going to see John Wick 3 this evening, we were supposed to go yesterday but ended up having an afternoon nap instead

    I should be able to cash out another £5 from Swagbucks in the next day or so, and got some surveys waiting to be approved on Prolific, and also got some Intellizoom studies that should be paid in the next two weeks which will go straight into my "Carry Over" and "Car Insurance Etc" pots on Monzo.

    Hope everyone is enjoying the bank holiday, even though the weather is miserable! (Here, anyway!)
    Debt Target #01 - £0/£228
    • SSDD23
    • By SSDD23 28th May 19, 7:23 AM
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    SSDD23
    Wooo, I actually got paid today for all 3 of the shifts I did at the second job!

    My eBay refund did not clear in time, so put it on OH credit card and will pay it back shortly from the small wages I got, and put £15-£20 in the carry over pot for next month. I should get the money from the eBay refund today. Looking through the emails, last time I got an email from PayPal saying I had the refund, and then saw it in my bank account the next day. I will probably use some/all of that money to make a very small debt over payment.

    We got 6 weeks worth of Sainsbury's vouchers in the post for £7.50 off of a £50 spend, which is what we aim to spend each week anyway for us and the two kids who inhale food and pop! So the plan is to use them if it works out cheaper than going to Aldi.

    I discussed with OH last night about meal planning for the week ahead which he said he was happy to do provided it isn't repetitive and boring. We keep ending up with the same conversation of "so what shall we have for dinner tonight?" and this should solve that problem! I also broached the idea of a post-it system for jobs that need doing around the house. I'll put up the jobs that need doing on the inside of a cupboard door and they can just get binned when they are done. It's mostly as OH does housework when he gets time, but it's normally things that don't need doing as urgently as others but he doesn't notice they get done, such as descaling the kettle, putting drain cleaner in the shower drain, etc. He seemed okay with the idea

    Our heating has been off since last week, so I am looking forward to seeing a big drop in our "Live Balance" with Tonik when I put our meter readings on tonight.

    Other than that, just plodding along. Main payday is on Friday when the bulk of the debt payments go out, so looking forward to updating the balances then.
    Debt Target #01 - £0/£228
    • SSDD23
    • By SSDD23 28th May 19, 7:24 AM
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    SSDD23
    To-Do List 28/05
    - Repay OH CC
    - Meter readings
    - Tweak budget for next month
    - Pay into "Carry Over" pot
    - Look for houses to rent
    - Do a hair mask & foot soak
    Debt Target #01 - £0/£228
    • SSDD23
    • By SSDD23 29th May 19, 8:14 AM
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    SSDD23
    - Repay OH CC done!
    - Meter readings done - our bill looks good for this month so far
    - Tweak budget for next month done
    - Pay into "Carry Over" pot done
    - Look for houses to rent done - 1 or 2 with potential
    - Do a hair mask & foot soak done - nice soft hair and feet now
    Originally posted by SSDD23

    ...............
    Debt Target #01 - £0/£228
    • SSDD23
    • By SSDD23 29th May 19, 8:41 AM
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    SSDD23
    Sleepy SSDD today!

    OH is a real fidget-pants in his sleep at the moment, he keeps ending up on my side of the bed and waking me up. I feel like suggesting we switch sides but then he will probably end up on the floor last night was particularly bad, I think I was up 3 or 4 times so I will need matchsticks at some point today!

    I did some at home workout stuff with the weights we got for Christmas, as 4 of the lbs I lost have crept back on somehow.... *cough* chocolate *cough* wine *cough* takeaways *cough*. Real mystery! Anyway, my muscles know for sure that they were worked out for the first time in ages, wee bit sore today.

    Slow cooker curry for dinner tonight, I was supposed to put it all on before work this morning but OH changed his days off around and is now off so he is doing it instead. Nice and low maintenance!

    Two more days until payday and until I can start doing some more money-shuffling, and two weeks until the dreaded MOT!
    Debt Target #01 - £0/£228
    • SSDD23
    • By SSDD23 29th May 19, 8:43 AM
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    SSDD23
    To-Do 29/05
    - Fit new rear wiper blade on car
    - Phone blood donation and check I can donate after visiting Oz (shouldn't be an issue)
    - Keep an eye out for eBay refund
    - Weekly car checks (tyres, oil, coolant, etc)
    - Watch for surveys
    Debt Target #01 - £0/£228
    • SSDD23
    • By SSDD23 29th May 19, 4:20 PM
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    SSDD23
    - Fit new rear wiper blade on car -done at the expense of my freshly done nails, clearly it has not been changed in so long for it to be so stiff!
    - Phone blood donation and check I can donate after visiting Oz (shouldn't be an issue) - done, all good to donate
    - Keep an eye out for eBay refund - just arrived, need some for petrol and squirrelled £10 to carry over
    - Weekly car checks (tyres, oil, coolant, etc) - done, all fine
    - Watch for surveys - did 3
    Originally posted by SSDD23

    ..........................
    Debt Target #01 - £0/£228
    • SSDD23
    • By SSDD23 30th May 19, 2:52 PM
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    SSDD23
    Not much to do/report on the day before payday so I am just working through things to keep my sanity.

    The best of these has been finally persuading my boss to let me purchase a basic £15 phone for work, as the people that live where I work just have my personal phone number, which leads to messages/calls outside of my work hours and a poor work/life balance! Now, with the new number, they can only contact me during working hours. I'm sure a few will try but they will get nowhere with my personal number - I just won't answer!

    I also spoke with OH about working to improve my relationship with his kids, his 11yo barely speaks to me and it's very disheartening to keep making the effort and getting nowhere with it. The response from OH has always been "give it time" but we have been together nearly 2 years now, and 1 year around the kids (ish) so I would have thought things would be less... rigid(?) by now. He's not dismissed the concern this time so hopefully that's something he's willing to address with me.

    I have applied for a few jobs today to try and replace my weekday job, I genuinely thing it is affecting my MH having so little to do and so little interaction with people day in day out, I come away from the weekend one feeling much happier because I'm around others!

    I think I have just decided that I am not happy spending so much of my time feeling unhappy or stressed, what is the point in that? Life is for living! Thus, it's time to change what I can to start getting the most out of life
    Debt Target #01 - £0/£228
    • SSDD23
    • By SSDD23 31st May 19, 8:10 AM
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    SSDD23
    Payday at long last!!

    Accounts that need manually paying have been paid, fuel money has been transferred to the correct account and grocery money has been transferred also. Dentist money (budgeted for) has been allocated to a pot, as has the money for my MOT and car repairs (also budgeted for).

    The budget is general is very tight but perfectly doable as long as I don't waste any money! Lot's of NSD's needed then

    I am doing overtime at my second job this weekend, I had in my head that it would be a kind of "offer and accept/decline" deal for the extra hours but they've put me down for 3 hours tomorrow and 6 hours Saturday so OH is a bit grumbly as he is off all weekend but we both agreed the money would be helpful so he can just deal with it.....
    Debt Target #01 - £0/£228
    • Munchin
    • By Munchin 31st May 19, 8:22 AM
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    Munchin
    Morning SSDD

    I like getting my hands on new months pay. My budget is also on the squeaky side and will have to hope for lots of NSDs
    • SSDD23
    • By SSDD23 31st May 19, 9:37 AM
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    SSDD23
    Morning SSDD

    I like getting my hands on new months pay. My budget is also on the squeaky side and will have to hope for lots of NSDs
    Originally posted by Munchin
    Morning Munchin!

    We can keep track together and cheer each other on
    Debt Target #01 - £0/£228
    • SSDD23
    • By SSDD23 3rd Jun 19, 7:19 AM
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    SSDD23
    Well it's Monday again!

    My shifts at work over the weekend went well I'm feeling a bit more comfortable now with all of the things I am learning, and even the 6 hour shift yesterday went quite well. I have got a little corner on my spreadsheet where I put in my hours worked and it works out my net pay into the next month's budget tab so I can plan ahead

    I spent around £5 on Saturday getting the train to and from a bbq so that OH and I could have a few drinks, but that £5 is better than the money we would have spent had we stayed over in a hotel. Also, lots of steps to and from the train stations so got some exercise in to counter the food and booze we only just made the train home as the doors were closing so that was lucky as the one after that was cancelled

    No spends yesterday, it helps I was working the full hours that shops are open but I bought in a packed lunch so didn't feel tempted to buy anything whilst I was on my break.

    T minus 9 days for the MOT, I need to reserve a new reg plate online and then phone Halfords to check that they can fit it when I collect it at the weekend. Time to get cracking for today's to-do list....
    Debt Target #01 - £0/£228
    • SSDD23
    • By SSDD23 3rd Jun 19, 7:25 AM
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    SSDD23
    To-Do 03/06
    - Reserve reg plate
    - Call Halfords to check about fitting
    - Reconcile budget/bank account
    - Keep an eye out for surveys
    Debt Target #01 - £0/£228
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