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
    • Mooloo
    • By Mooloo 1st Jan 19, 3:36 PM
    • 10,323Posts
    • 52,214Thanks
    Mooloo
    I will cut my coat according to my cloth. Mooloo 2019
    • #1
    • 1st Jan 19, 3:36 PM
    I will cut my coat according to my cloth. Mooloo 2019 1st Jan 19 at 3:36 PM
    As I am a Seamstress, and this year is about my sorting out my life and changing my direction, finally loosing the family debts etc perhaps the title is the most apt I can come up with this year.
    Here is to 2019 and a frugal year to change my direction so that I can rebuild my dreams in the next year.
    When I die I will know that I have lived, loved, mattered and made a difference, even if in a small way.
Page 2
    • Tikitaki
    • By Tikitaki 3rd Jan 19, 9:49 AM
    • 3 Posts
    • 8 Thanks
    Tikitaki
    So glad found your New diary. Happy New Year lovely xx
    • Mooloo
    • By Mooloo 3rd Jan 19, 12:40 PM
    • 10,323 Posts
    • 52,214 Thanks
    Mooloo
    Sitting in the airport lounge, flight delayed by two hours. Luckily we had paid to use the Premium Lounge, so we can eat something and have a drink at least.
    Mind you the place is pretty full so we are sitting at a table by the window rather than the sofas.

    It was a good drive to Lisbon but then got stressed trying to find the petrol station to fill up the car. That put 20 minutes on the journey as Google maps kept sending me in circles. I ended up finding a different petrol station. The fog was down a lot of the way, but I am grateful as it means that we get time to relax as from returning the car, getting from the airport and then finding where special assistant was was a nightmare.
    We would have been lucky to catch the flight at all with all the wiring we had to do!
    So now we wait. Luckily I am not driving back we are getting a taxi so I can have a cold beer. Cheers!
    When I die I will know that I have lived, loved, mattered and made a difference, even if in a small way.
    • Mooloo
    • By Mooloo 3rd Jan 19, 8:02 PM
    • 10,323 Posts
    • 52,214 Thanks
    Mooloo
    I am back at Mums. Delayed flight due to fog.
    So it's been a long day. I will be off to bed fairly early tonight. Then back to my house tomorrow ready for dgd coming home.
    When I die I will know that I have lived, loved, mattered and made a difference, even if in a small way.
    • pollyanna 26
    • By pollyanna 26 3rd Jan 19, 8:10 PM
    • 2,618 Posts
    • 24,643 Thanks
    pollyanna 26
    Wishing you and mum a good nights sleep and hope dgd has enjoyed the time with her mum.
    pollyx
    • beanielou
    • By beanielou 3rd Jan 19, 8:13 PM
    • 61,105 Posts
    • 260,035 Thanks
    beanielou
    Glad that you are home.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
    • thorsoak
    • By thorsoak 3rd Jan 19, 8:19 PM
    • 5,867 Posts
    • 27,255 Thanks
    thorsoak
    Welcome home - and welcome to the Brave New World that is your life - may it be as calm as possible, may money flow in -and not flow out too fast - and may it be full of love and understanding xxxx
    • Mooloo
    • By Mooloo 3rd Jan 19, 9:07 PM
    • 10,323 Posts
    • 52,214 Thanks
    Mooloo
    Welcome home - and welcome to the Brave New World that is your life - may it be as calm as possible, may money flow in -and not flow out too fast - and may it be full of love and understanding xxxx
    Originally posted by thorsoak
    That's lovely, thank you x
    When I die I will know that I have lived, loved, mattered and made a difference, even if in a small way.
    • Mooloo
    • By Mooloo 3rd Jan 19, 10:11 PM
    • 10,323 Posts
    • 52,214 Thanks
    Mooloo
    After 6 months Ryanair finally paid my expenses for the delay in July. Although they still haven't paid the compensation they were supposed to pay.
    So I need to get the next move sorted out.
    But not tonight.

    But that's a good start to the year with 3 payments in already. Even if it all does have to go back out again.

    Time for seriously doing down the cards and building up my income.
    When I die I will know that I have lived, loved, mattered and made a difference, even if in a small way.
    • Mooloo
    • By Mooloo 4th Jan 19, 4:33 PM
    • 10,323 Posts
    • 52,214 Thanks
    Mooloo
    My Halifax banking app wouldn't let me make payments from a different bank card, so I realise that I have probably got to have a little interest added to my totals but today I played juggle.
    I was able to clear the smallest credit card with a debit card payment. Strike one 2,779.40 gone.
    Monthly budget freed by 100 a month
    Barclaycard payment 4,605.08 strike two. Leaving 200 that is due on Direct Debit in a few days. That will clear that account.
    Euros cashed in, 240.16
    Cash from Ryanair 257.00
    Cash from savings 300 and 2.84 from current account all added together and 800 off of Halifax card via faster payment.
    Halifax saver also taken out and paid to card along with my ISA
    So another 790 off of the Halifax card.

    Total debts left 3,845.10

    I can draw out another 300 tomorrow, pay into my First Direct account and then bank transfer that.
    So I will be chasing down 3,545.10 over the next few months.

    Before I build up the savings again.

    This has been a scary but also exciting day.
    The banks would be thinking I have gone mad with all the juggling. All left extremely low now. But I can do this.
    My friend has already been on the phone about doing a pub dinner tonight, and so I will use the last of my cash in my purse for that. Then I will suggest we meet for a meal we make etc over the next few weeks rather than visit the pub. I am happy to host them here as I would still save money on feeding us at home rather than at the pub. I shall chat to her over dinner.

    Dgd is back, along with bags and boxes etc.
    Washing and sorting my stuff as I have been going along today, and will tackle hers tomorrow. Apparently she has had another growth spurt and the age 12/13 stuff no longer fits and she had to have Adult size 10 clothes.
    She is only 2" shorter than me now.

    Got a cuddle with the newest baby. A brief hug from DGS5 and they had to go back to Kent.

    Twin1 went to see Biggest enroute and said that DS's GF was giving Biggest a lot of grief via the telephone while I was away. Again like I got the day before I came away. She takes DSs phone and messages us pretending it's DS, but we can all tell by the length, the words used and the spelling etc that she is doing it and not DS.
    She is going to be a nightmare still then.
    I have had a happy New Year greetings from the foster family today. But I have yet to catch up with DS and any news as to the boys and the current situation. Time will tell. I am not going to ask questions.
    I am not the one in control of what happens and I don't intend to get mixed up in it all if I can help it.

    So time to get changed and ready to meet my friend.
    Tomorrow I will be back on my plans for the rest of the month.
    Business and Home changes next.
    When I die I will know that I have lived, loved, mattered and made a difference, even if in a small way.
    • beanielou
    • By beanielou 4th Jan 19, 4:58 PM
    • 61,105 Posts
    • 260,035 Thanks
    beanielou
    Amazing pay downs on the debt
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
    • Mooloo
    • By Mooloo 4th Jan 19, 7:43 PM
    • 10,323 Posts
    • 52,214 Thanks
    Mooloo
    Amazing pay downs on the debt
    Originally posted by beanielou
    Yes but no savings left!
    When I die I will know that I have lived, loved, mattered and made a difference, even if in a small way.
    • Mooloo
    • By Mooloo 4th Jan 19, 7:49 PM
    • 10,323 Posts
    • 52,214 Thanks
    Mooloo
    We didn't eat at the pub in the end. We had a chippy and took it back to my friends as the pub was full. But that was a good move, as we both want to save money this year. I talked to her about Menu Plans and how to cook a chicken etc . Everything she cooks is ready made, or frozen food with bread crumbs etc
    So we are going to mentor each other to eat better and to stop buying tonight's dinner on the way home from work.

    So home now, something with the iplayer on TV as Dgd has the hdmi cable from the sky box as she left hers in her bedroom down there.
    When I die I will know that I have lived, loved, mattered and made a difference, even if in a small way.
    • beanielou
    • By beanielou 4th Jan 19, 8:12 PM
    • 61,105 Posts
    • 260,035 Thanks
    beanielou
    But more peace of mind I hope Mooloo
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
    • Little Miss Winner
    • By Little Miss Winner 4th Jan 19, 8:20 PM
    • 4,024 Posts
    • 136,157 Thanks
    Little Miss Winner
    You've made great inroads all round Mooloo - keep up the good work
    • ivyleaf
    • By ivyleaf 4th Jan 19, 10:14 PM
    • 5,995 Posts
    • 65,144 Thanks
    ivyleaf
    Huge well done on the juggling, Mooloo!

    You've saved yourself a lot of money by doing that.
    Last edited by ivyleaf; 04-01-2019 at 10:19 PM.
    • Mooloo
    • By Mooloo 5th Jan 19, 12:05 AM
    • 10,323 Posts
    • 52,214 Thanks
    Mooloo
    DS hascmessaged me asking to babysit next week end for his birthday. Apparently he worked all through Christmas and didn't even get to see the boys much. Apparently the GF took them to her Mums. (Excuse me but before I left didn't she tell me that she wasn't talking to her family anymore?)
    Anyway, I can babysit but don't dare ask for money.
    I am late to bed tonight because I was watching the ABC murders and as I was on iplayer it went from one episode to the next so I lost track of time. I also had it on pause a lot while dealing with multiple text messages now I am home.
    Just gone midnight, I think the latest night I have had since mid December!
    When I die I will know that I have lived, loved, mattered and made a difference, even if in a small way.
    • Mooloo
    • By Mooloo 5th Jan 19, 10:20 AM
    • 10,323 Posts
    • 52,214 Thanks
    Mooloo
    Morning. Seems strange having the room to my self last night. Didn't stop the nightmares or the brain whirl.
    Dgd and I are going to the cinema to watch Mary Poppins Returns at lunchtime.
    My friend has checked in this morning and we're supporting each other by recording what each of us are planning to do today.
    I have one washing load on, two wet loads waiting for hanging space.
    I am going to make a beef casserole for tea tonight. Not sure if I will be using the pressure cooker or the thermal cooking bag. I will see when I get to it.
    I need to get the laptop out and update the kids spreadsheet
    When I die I will know that I have lived, loved, mattered and made a difference, even if in a small way.
    • Mooloo
    • By Mooloo 5th Jan 19, 5:40 PM
    • 10,323 Posts
    • 52,214 Thanks
    Mooloo
    Spreadsheet was updated.
    Trip to cinema became eventful as Dgd lost her purse and didn't notice until we were about 10 minutes down the road. So back we had to go. Luckily for her it was found by the cleaning team. So we have been out all afternoon. Fuel light came on so had to put petrol in the car. Didn't want to trust to luck twice in one day.
    Two different dinners in the oven. Beef casserole and jacket potato for me.
    Lasagna for Dgd. That will be reheated tomorrow then.
    I may still put a chicken in to roast while I am at it. Then it can be used up during the week. Might as well use the oven while it is hot come to think of it.
    Just realised that on iplayer you can watch bbc live, but not on itv unless I am missing something!
    When I die I will know that I have lived, loved, mattered and made a difference, even if in a small way.
    • Choccymoose
    • By Choccymoose 5th Jan 19, 7:15 PM
    • 1 Posts
    • 11 Thanks
    Choccymoose
    You can on itv, if you go into individual channels and then watch live x or you could last time I did it.
    • pollyanna 26
    • By pollyanna 26 5th Jan 19, 7:15 PM
    • 2,618 Posts
    • 24,643 Thanks
    pollyanna 26
    I've just been catching up since Thursday . I'm amazed how much you've managed to achieve since then . You'd outdo the Duracell bunny! You've had the thinking head back on and it sounds as though you have a clear plan both for debt and day to day budgeting .


    Do you still display the thermal cooking bag in the shop? As we're still in Winter and with many struggling with fuel costs and other costs re bills and food it may be worth highlighting it if you don't already do so .


    Onwards Mooloo you're doing brilliantly .


    polly x
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

437Posts Today

5,018Users online

Martin's Twitter