Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • Robin09
    • By Robin09 7th Jul 18, 8:20 PM
    • 330Posts
    • 1,852Thanks
    Robin09
    Back to try again..
    • #1
    • 7th Jul 18, 8:20 PM
    Back to try again.. 7th Jul 18 at 8:20 PM
    Good evening,

    I come on here to read the diaries pretty much every day, such inspiring people on here! I did have a very short lived diary last year but have come back now as a new member to start afresh.

    We are on a DMP and have been since February 2016. Our debt when we started were just under 30000 and as of this month is just under 18000. I am hoping one day soon we may be brave enough to go self managed.

    A bit about us. DH and myself both work. DH is full time and my hours are varied part time hours. We have two beautiful children, DS 14 and DD 5.

    As I said I one day hope to go self managed. To be fair, I am a bit of a wimp and like the one payment we make but also do not like that we cannot make overpayments if we wish..

    Budgeting wise, I have always tried my best at this. DH on the other hand has taken a long time to get his head around it all, so for many years I have just been playing catch up on what he has spent and re jigging things as we go along. But, at the beginning of the year I tried a different budgeting technique that has worked so well and DH has stuck to and has admitted is easy! So much so, that the last few months we have saved money and had money left in the bank at the end of each month.

    My plan is to continue to save and at some point go self managed and start over paying our debts and get it paid of sooner and to get on with our life without debt.

    Please join my journey if you wish.

    Robin. X
Page 10
    • Robin09
    • By Robin09 6th Nov 18, 6:31 PM
    • 330 Posts
    • 1,852 Thanks
    Robin09
    Thank you Jwil, managed to get a bit more sleep last night but still pretty tired after so many nights on the sofa. I remember being given honey so much when I was younger, as it was meant to be good for allergies but it never worked for me and I can't bear the thought of it anymore thank you for the suggestion though.

    Had a quiet afternoon after work, with not much to do. Was hoping to catch up with my sister now she is back but will hopefully see her tomorrow now. Took DD to the library after school and I owed them 80p, whoops! She chose only Christmas books this time, definetly creeping in everywhere now. Got her birthday first though.

    Fireworks last night were really good. Best display they have put on for a while. DS ended up going out with his friends to watch them, but still wanted his hot chocolate and marshmallows when he got home

    Have ordered a few more gifts for the DC and family. Sad to see the savings going down but glad we've got it there. Holding out to Black Friday for a couple of things I've got my eye on, incase there is a good deal to be had.
    SPC 076
    • Robin09
    • By Robin09 7th Nov 18, 7:03 PM
    • 330 Posts
    • 1,852 Thanks
    Robin09
    Got called home from work today to pick DS up from school, as he said he was feeling sick. He did look a little pale but think it's more tiredness as his sleeping is shocking, poor boy. Wish he could settle more.

    Had a email today with a 10 voucher for 3bay. Wasn't sure if it was a scam but went onto my account and it had already been added on. Think it's properly because I very rarely go on there. So ordered DD a outfit for a birthday present and only paid 1.98 that's her birthday presents done now. We have only got her 5 little things to unwrap as we are having a day out on her birthday. Just need to sort cake and a balloon. I also did up exchanging some of our shopping vouchers for Pizza vouchers, so that will cover a big chunk for a meal out on the day.


    DD bought 2 more birthday invites home from school today. One is on her own birthday so we have declined that one. Also ordered my parents their birthday presents. My Dad wanted some of the posh coffee beans he likes and I got my Mum a new book. Found out today that TOF's is having 25% off everything in store again starting tomorrow, so will definitely go see if I can grab some bargains in there. I have pretty much decided on what to get everyone now apart from for my one nephews 18th, stumped on that one

    Also managed to get to see my sister today, so that was nice to catch up now she is back home

    Hope everyone is well.
    SPC 076
    • jwil
    • By jwil 8th Nov 18, 3:09 PM
    • 10,641 Posts
    • 37,712 Thanks
    jwil
    Dh had that voucher too, we made use of it! I had a 5 one, so there must be a few floating around at the moment.

    You are very organised!
    "If you can dream it, you can do it". Walt Disney
    • Robin09
    • By Robin09 8th Nov 18, 6:28 PM
    • 330 Posts
    • 1,852 Thanks
    Robin09
    That's great that you and your DH could take advantage of the vouchers Jwil. I was very pleased when I realised it was real I do not feel very organised this year, usually I am finished by now but have lacked ideas this time. Glad to have got started though and to have sorted DD's presents and saved the money for her birthday day out.

    Was meant to have today off but went in as I left early yesterday. Then I had to go sit and wait at my sisters for her new cooker to arrive. I was so bored and cold, I did her ironing when I was waiting I waited a few hours for it to turn up 10 minutes after she got home!

    Then I went to look in TOFS to see if there was anything to get to take advantage of the 25% off everything voucher I got. Got a few bits to put away for the DC for Christmas and saved just over 8, so happy with that. There was one or two items I would have been interested in but was no stock, so may go back and see if there is any more as the offers runs until Sunday.

    Had money left this week from my W/M. Put the change in my sealed pot and have put the 5 away for next week as me and DS have a trip to the cinema planned

    Hope everyone has had a nice day.
    SPC 076
    • Robin09
    • By Robin09 10th Nov 18, 7:25 AM
    • 330 Posts
    • 1,852 Thanks
    Robin09
    Went and saw my best friend after work yesterday, spent a lovely few hours there.

    Then went and picked a few more presents up. Also ordered some online. Nearly ticked most people off my list now for birthdays and Christmas. I haven't added up what I've spent yet but I know it's quite a bit. But I haven't gone over any individuals budget and still have money in the savings pot, so doing okay. Apart from one mistake, I have ordered two sets of the same books for DS, didn't realise until they've been dispatched so hopefully will be able to send one set back.

    Off out tonight to go visit my brother and his family for a birthday tea for my nephew, will also see my other brother and family, which will be really nice as I don't get to see my brothers as much as my sisters. Costs will be extra petrol and bridge tolls but have budgeted them in.

    Hope everyone has a lovely weekend.
    SPC 076
    • Robin09
    • By Robin09 11th Nov 18, 6:33 PM
    • 330 Posts
    • 1,852 Thanks
    Robin09
    Lovely time at my brothers yesterday evening, was late home so we all had a lie in this morning. Prepped dinner before going to Remembrance parade, beautiful service.

    Couple items were missing in our shopping this week, nothing major, we can cope without them. Already messaged and will be getting a refund for them. Will have to wait a few days for the bank to make any sense to me again, haven't had this much pending to go out for a long time. Ran out of birthday wrapping so will need to get some this week as have birthdays every week now until the middle of December.

    DH going to price up two back tyres for the car this week, knew it was coming so have some in the savings for it. I know that once those are done and finishing bits off for Christmas that the savings are going to look shocking. Will hopefully be able to get them looking healthy again in the New Year.
    SPC 076
    • Robin09
    • By Robin09 12th Nov 18, 6:37 PM
    • 330 Posts
    • 1,852 Thanks
    Robin09
    Today's job after work was to come home and find some proper places to hide the Christmas/birthday presents, as wouldn't have taken DD long to find them had she tried. Managed to get a load of washing dried on the line and had a visit from my sister, so a good day.

    DH gave DD her 1 for athletics so I didn't have to break into my 20, bonus! Will need to tomorrow though to get wrapping paper.

    Had a code to get a 10 L2Shop voucher today from Home panels surveys, haven't really done many lately so will be happy to receive that.
    SPC 076
    • Robin09
    • By Robin09 14th Nov 18, 12:36 PM
    • 330 Posts
    • 1,852 Thanks
    Robin09
    Yay, a day off. Love having a few hours on my own to get the house all cleaned and sorted out, with no one making mess behind me

    We got the cheque in the post yesterday for 345, the refund from DS's Explorers trip (still feeling incredibly sad about this) but it is what it is. The plan is to put some towards a new kitchen floor. Just some nice new lino, anything to cover the hideous flooring that has been there since we moved in 5 years ago. Also, to buy DS a new headboard for his bed. So should hopefully have a little leftover to put away. Got to wait until Saturday to put it in the bank, as none of our local branches are open anymore and cannot do it at the P.O.

    SC payment of 210 has gone for the month again, cannot wait for the day that we have no debt repayments leaving the bank.

    Unbudgeted spend yesterday was on a new skipping rope for DD. Didn't have time to look in the local shops and doubtful they would have any so just ordered one online.
    SPC 076
    • Robin09
    • By Robin09 15th Nov 18, 6:33 PM
    • 330 Posts
    • 1,852 Thanks
    Robin09
    Money spent out of the savings on two new tyres. DH got a good discount on them though as he knows the garage owner. Also spent a chunk of my weekly money on some screen wash, wrapping paper, selection packs etc. Also, the biggest slice of cake ever, because its been one of those days...

    Have had a bit of a rubbish day today, teenage boys are a mystery to me! DS has really pushed my limits this time and he knows I am very unhappy with him right now. We won't be going for the cinema trip tomorrow now as I'm just not in the mood for it and he don't deserve it quite frankly. Feel like I'm failing most days, fed up of feeling fed up!

    Got my L2Shop voucher today from the surveys, came so quick! I'm hoping to go get some Christmas wrapping paper with that. My wrapping paper stash has dwindled away to hardly nothing lately, although I have enough cards to last me a while, as long as DD stops bringing home party invites
    SPC 076
    • jwil
    • By jwil 16th Nov 18, 12:32 PM
    • 10,641 Posts
    • 37,712 Thanks
    jwil
    You are not failing! I'm dreading the teenage years

    Hope you enjoyed the cake
    "If you can dream it, you can do it". Walt Disney
    • Robin09
    • By Robin09 16th Nov 18, 5:46 PM
    • 330 Posts
    • 1,852 Thanks
    Robin09
    Thanks Jwil, the cake should really have been classed as a whole cake and not a slice it was huge and delicious. DS has changed so much the last 6 months or so, its hard to keep up. He does have stuff he's working though but that does not give him a free pass to get away with what he wants. I feel I'm just making stuff up as I go along with this teenage ride.

    Had to give the DC 1 each for children in need today. Lots of complaining today as one local school did non uniform to raise money for the PTA they could have picked another day surely.

    After work today, I popped to help my sister get her house clean and tidied before she goes in to hospital Monday, nothing major and hopefully she will be home the same day but she will need to rest.

    For the first time in many years, I owe someone money my sister in law managed to get us tickets to go see The Spice Girls in May. Childhood dream right there the tickets are extortionate at 70 but I'm still excited and she is happy to wait for the money but will be sorting that out ASAP.

    See lots of Black Friday offers already starting but always best to know what the price was beforehand. As I ordered my nephew a present the other week for 11.50 and today its on 'offer' for 16.95 shocking!

    Hope everyone has a nice weekend.
    SPC 076
    • Honeysucklelou2
    • By Honeysucklelou2 17th Nov 18, 4:59 AM
    • 1,674 Posts
    • 8,497 Thanks
    Honeysucklelou2
    Teenage boys are a mystery to me too!
    paydbx2019 #93 793.95/10,100 .
    School trips 12691269..
    EF 310
    • Robin09
    • By Robin09 18th Nov 18, 7:00 AM
    • 330 Posts
    • 1,852 Thanks
    Robin09
    Glad I'm not the only one, Honeysucklelou. Mood swings in full force with DS at the moment

    Had a lovely day yesterday. We finally made it to our day out that we booked in the summer holidays to visit the outdoor playgroup DD used to attend. It's no longer in our area, so was a nearly a 4 hour round trip but was so great to catch up with her old leader and both the DC had a fab time, yep DS even smiled we were all stuffed full of campfire foods and had a fantastic day out. With car parking (5) a few snacks to take and some flowers for my mums birthday today, I only have 2.50 left of my weekly money, but should be okay. Paid the cheque in on our way, so that should be cleared in our bank next week

    Off to see my Mum this morning and then home to get ready for the week and wait for the shopping to be delivered this evening.

    Oh, DD got another party invite
    SPC 076
    • Honeysucklelou2
    • By Honeysucklelou2 18th Nov 18, 1:55 PM
    • 1,674 Posts
    • 8,497 Thanks
    Honeysucklelou2
    That sounds like a fantastic day out...not come across outdoor playgroups before but they sound fab.
    paydbx2019 #93 793.95/10,100 .
    School trips 12691269..
    EF 310
    • Robin09
    • By Robin09 18th Nov 18, 4:32 PM
    • 330 Posts
    • 1,852 Thanks
    Robin09
    It was the best group, Honeysucklelou. We went from when DD when 11 months until the week before she went to school. It was on every week, no matter the weather and we always had such fun. As it ran through the holidays, DS used to come and help set up the campfire and help cook the food, so he always enjoyed coming too. We really had a blast yesterday. She's really got a good set up there, with a permanent shelter and cooking area. DD has weekly forest schools sessions at school, but she still misses this group, but as it moved away we wouldn't be able to go anyway.

    After visiting my mum to wish her happy birthday this morning, we have just had a chilled day at home, may have had a nap on the sofa for a while
    SPC 076
    • Honeysucklelou2
    • By Honeysucklelou2 18th Nov 18, 4:39 PM
    • 1,674 Posts
    • 8,497 Thanks
    Honeysucklelou2
    I love forest school sessions, so valuable for learning. I will look out for any outdoor playgroups locally, I'd love to do that with the toddler on my day off.
    paydbx2019 #93 793.95/10,100 .
    School trips 12691269..
    EF 310
    • Robin09
    • By Robin09 18th Nov 18, 6:53 PM
    • 330 Posts
    • 1,852 Thanks
    Robin09
    Hope you manage to find a local group Honeysucklelou. I agree about the forest school lessons, it's still one of her favourite parts of her week, she is always eager to tell me what she has learnt. The school is lucky to have their own private woodland next to the playground.
    SPC 076
    • Robin09
    • By Robin09 21st Nov 18, 1:42 PM
    • 330 Posts
    • 1,852 Thanks
    Robin09
    Have had a few busy days as my brother asked me to do some extra work for him, have had a pounding headache since Monday that just isn't shifting so that's not been good. Luckily I had yesterday and today off from my normal work.

    Have been at home though and not spent any money this week apart from 1 for DDs athletics. Have wrapped all DD's presents ready for next week (didn't take long, we've only got her a few bits) have ordered her balloons so just need to sort out her cake and birthday card, and of course pay for her birthday day out, which we are really looking forward too. I am budgeting 100, I know its a lot of money but I would rather have the family day out than buy her toys she don't need.

    Been in a bit of a strop today, it may seem trivial as lots of people have real problems going on. But next door got the beautiful silver birch tree chopped down. I get really offended when people chop trees down for no reason so had hoped they had a good one, but nope, they said they were fed up of the leaves going everywhere. Haven't heard anything so ridiculous in a long time. I know it's silly and it's their land but it has still annoyed me. Just thankful that our cherry blossom is nowhere near their boundary.
    SPC 076
    • jwil
    • By jwil 22nd Nov 18, 7:10 AM
    • 10,641 Posts
    • 37,712 Thanks
    jwil
    Hope the headache is better. It's always a shame when people get rid of something you like.
    "If you can dream it, you can do it". Walt Disney
    • Robin09
    • By Robin09 25th Nov 18, 8:05 PM
    • 330 Posts
    • 1,852 Thanks
    Robin09
    Thanks Jwil, headache eased off. I have been manic with extra work from brother over the last few days so was looking forward to our day out today, did not go as good as I had hoped..

    We booked train tickets to go see my niece and to have a look around the Victorian Christmas Market, was so beautiful and festive. Had a lovely wander around although it was so so busy. Had a nice lunch and bought a few bits, mainly food and some Christmas bits. All was well until we went into the Lindt shop and they gave DD a choc ball, which obviously didn't agree with her as she was sick all over me, my shopping and the floor So many people walked past in disgust but luckily a few lovely people stopped to hand over wet wipes, tissues and anti bac gel, I am so grateful to those people. Ended up chucking most of my shopping in the bin, and spent the rest of the day waiting for the next train absolutely stinking of sick it was a long day.

    My dad's birthday today but I never made it to see him, so hopefully catch him in the next few days. Anyone get any good Black Friday 'Deals'? My only one was BOGOF on moon pig cards sent my Nan one and got DD's birthday card for next weekend.
    SPC 076
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

2,234Posts Today

6,989Users online

Martin's Twitter
  • It's the weekend, it's the weekend, yay. It's that moment, when as usual, to sign off for family time. So I bid y? https://t.co/2RYRnz3fEe

  • Actually the BBC was set up to "educate, entertain and inform" so I think it is one of its responsibilities and cle? https://t.co/HMP4Q2Uptu

  • Today's FRI twitter poll: Puritanical new laws by Tories/Labour/EU/Trump/Putin (pick ur own scapegoat) dictate mode? https://t.co/3LW55tFGJ9

  • Follow Martin