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
    • Lilith1980
    • By Lilith1980 28th Jan 18, 11:56 AM
    • 1,815Posts
    • 5,147Thanks
    Lilith1980
    Let's do this!
    • #1
    • 28th Jan 18, 11:56 AM
    Let's do this! 28th Jan 18 at 11:56 AM
    Hi everyone

    I've been a member on the forums for some years, but not been active for a long time. I really want to get myself out of debt and feel that keeping a diary will keep me accountable so I came over here

    My debt has accrued since my 20s where I think I bought things to fill a void without being able to pay them back. I've been a bit of a "I need to have it now otherwise I'll never be able to have it!" type person. It's only recently (I'm now 37!) that I've been able to give myself a talking to and say if I don't have the spare cash then it can't go on my cards. I'm spending far too much on minimum payments which could go towards holidays and treats etc.

    Dealing with my debt has also been difficult as I've been a been a student for about eight years so paying the fees has come first, although for my latest (and final!) course I had to pay for some of the fees on my credit card. Not ideal by any means but the career opportunities and salary will enable me to pay off more towards my debts.

    I'm studying a doctorate and will be doing my viva in March 2018. A few months' ago I got a new job on the understanding that I would be qualifying in my profession shortly. Once my viva is passed (assuming I don't totally botch it!) I'll be qualified and my salary will increase to a level where I can pay 200-200 per month extra off of my debts.

    But it's not just the salary increase which will help. My whole mindset has to change and I hope that by keeping this diary it will help motivate me to keep going and wipe this debt off for good! I'll post my numbers in the next post.

    I look forward to "meeting" you all. Please feel free to chip in with money saving ideas or other ways to reduce debt as I'm aware there are wiser souls here than myself
    My debt-free diary
Page 4
    • beanielou
    • By beanielou 11th Feb 18, 6:56 PM
    • 55,005 Posts
    • 219,595 Thanks
    beanielou
    Glad that you enjoyed your break but not so good about the car.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 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.
    • Lilith1980
    • By Lilith1980 11th Feb 18, 7:01 PM
    • 1,815 Posts
    • 5,147 Thanks
    Lilith1980
    Thanks Beanielou
    My debt-free diary
    • Lilith1980
    • By Lilith1980 12th Feb 18, 6:46 PM
    • 1,815 Posts
    • 5,147 Thanks
    Lilith1980
    Well, I dragged my carcass out of bed this morning. I really didn't want to go back to work!

    I really need to be more organised when it comes to lunches/dinners as I find myself running round like a blue-ar*e fly in the mornings making my lunch when I could do it the night before. I'm going to start batch cooking mine and hubby's lunches over the weekends. I can't do it this month as we didn't buy the ingredients, but I've already put some stuff in the shopping for the end of this month so we can have rice, chicken and veg in a sauce of some kind.

    This morning I put some stuff in the slow cooker for a thai fish curry so that was ready when I got home. Whilst I was sorting that out this evening I cooked some mince and put it in the slow cooker along with some ingredients for a chillli, so that'll do us for two evenings

    NSD but I'm getting a bit fed up with Swagbucks. I'm being screened out more and more, and it seems I'm putting in more information. I'm not sure how much effort I'll carry on putting into it.

    Hubby is going to have to pay 150 excess for the damage to the car. I said let's use the money we put away to pay off our Cornwall holiday in June and then we can pay back the 150 over the next few months. It might make it a bit difficult to save some spends for Cornwall. Always seems to be something (I'm being melodramatic, I know).
    Last edited by Lilith1980; 12-02-2018 at 6:49 PM.
    My debt-free diary
    • Uniscots97
    • By Uniscots97 12th Feb 18, 7:01 PM
    • 6,423 Posts
    • 23,795 Thanks
    Uniscots97
    Lilith is there cctv showing who did it? If there is and they're recognised and charged they could be forced to pay for it
    CC2 = 8687.86 (10000 )CC1 = 0 (9983 ); Reusing shopping bags savings =5.80 vs spent 1.05.Wine is like opera. You can enjoy it even if you don't understand it and too much can give you a headache the next day J
    • Lilith1980
    • By Lilith1980 12th Feb 18, 7:12 PM
    • 1,815 Posts
    • 5,147 Thanks
    Lilith1980
    Hi Uniscots....no, we checked with the hotel but their CCTV didn't cover the front of the car park which is a bit bizarre and something they should consider in future

    The insurer did ask hubby about getting a police crime number but when he explained about the CCTV and the long time period in which it could have happened they said not to worry. He has no claims bonus protection so that won't be affected.
    My debt-free diary
    • Lilith1980
    • By Lilith1980 13th Feb 18, 8:03 PM
    • 1,815 Posts
    • 5,147 Thanks
    Lilith1980
    I'm very proud of myself today. I have a real aversion to going into supermarkets to shop, and haven't done a monthly shop in a supermarket in years. I've done my online shop with Mr T for about 12 years

    So, tonight I decided to take the bull by the horns. I went into Aldi armed with a pen and paper and went around writing down the prices of the items we buy most of, so that we can compare and figure out which will come from Aldi and which will stay with Mr T.

    I've just put it all into a spreadsheet and it turns out we can save about 35 a month

    My next challenge will be stepping foot into Aldi to do a full month's shop! I know the layout of the shop so I plan to write my list in the order that I come to the items, and also go as early as possible to avoid the crowds. I'm sure I'll get used to it

    While I was in Aldi I spent just over 3 on eggs and some sugar, as I had some lemon curd which was in the fridge not being used and have just taken a lemon curd cake out of the oven. I'll let hubby have most of it as I'm trying to watch my weight

    I have a right headache now after that spreadsheet stuff
    My debt-free diary
    • beanielou
    • By beanielou 13th Feb 18, 8:14 PM
    • 55,005 Posts
    • 219,595 Thanks
    beanielou
    Well done on eating the frog
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 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.
    • Lilith1980
    • By Lilith1980 13th Feb 18, 8:21 PM
    • 1,815 Posts
    • 5,147 Thanks
    Lilith1980
    Well done on eating the frog
    Originally posted by beanielou
    Thank you
    My debt-free diary
    • redofromstart
    • By redofromstart 13th Feb 18, 8:58 PM
    • 1,774 Posts
    • 10,729 Thanks
    redofromstart
    I hate supermarkets so tend to go very early and dash round as fast as possible. Avoid Friday mornings if you can - our MrAl is heaving by 9.30am. Monday to Wednesday at 9am by comparison is empty. Saturdays at 8 are ok, Sundays at 10 are not.

    My preferred shop is the MrL opposite which is nearly always empty - except for Friday mornings when it often has as many as five people in.

    Hope this helps!
    • Lilith1980
    • By Lilith1980 13th Feb 18, 9:03 PM
    • 1,815 Posts
    • 5,147 Thanks
    Lilith1980
    I hate supermarkets so tend to go very early and dash round as fast as possible. Avoid Friday mornings if you can - our MrAl is heaving by 9.30am. Monday to Wednesday at 9am by comparison is empty. Saturdays at 8 are ok, Sundays at 10 are not.

    My preferred shop is the MrL opposite which is nearly always empty - except for Friday mornings when it often has as many as five people in.

    Hope this helps!
    Originally posted by redofromstart
    Thanks for the tips! I was planning to go when it opens on a Saturday while hubby is working. I think I'll be better just going in on my own and getting it done, plus hubby has a habit of putting things in the basket that we didn't go into buy so at least I can keep control of the spends
    My debt-free diary
    • Lilith1980
    • By Lilith1980 14th Feb 18, 7:22 PM
    • 1,815 Posts
    • 5,147 Thanks
    Lilith1980
    Evening all, what a miserable day. I don't think it's stopped raining! The pooch just popped out into the garden, came back in and plonked herself on my lap all soaking wet

    I've done an inventory of our freezer tonight and we definitely have am abundance of frozen carrots - five 1kg bags! So I'll make some soup with some of it and they can certainly go with a few roast dinners and other things. We also have lots of frozen green veg so these can go with a few dinners over the coming month.

    I'm a bit of a spreadsheet freak and have made a meal plan for next month so I can figure out the amounts of meat and veg we'll need to buy. I was worried hubby would think I was being too regimented, but he said he likes the idea of a meal plan so he knows what we'll be cooking instead of faffing about. He thanked me for pricing up things from Aldi last night -I think it would be too much of a faff for him but he's grateful that I'm looking at ways of saving us money

    Not sure if anyone has heard of Noodle Campus? They're a site where you purchase items to use and review, but they pay the item cost into your paypal before you buy it. I've ordered a phone holder for my car for when I use the sat nav as I didn't have one. Hopefully it'll be good quality and will save me buying me own

    My account switch with Natwest has gone a bit wrong as they have set up the account but didn't get the switching instruction. All sorted now though and they've said I'm still eligible for the 125 bonus

    Hope everyone is managing to keep dry. Last day at work tomorrow for the week. I've got Friday off and was due to meet up with a friend, but she has cancelled so I'm going to sort through our DVDs with hubby and see which we can sell. I'm eager to start the decluttering process!
    My debt-free diary
    • Lilith1980
    • By Lilith1980 15th Feb 18, 8:20 PM
    • 1,815 Posts
    • 5,147 Thanks
    Lilith1980
    Evening everyone

    I have tomorrow off work which is great! Feels like a Friday today

    Hubby and I started going through our DVDs. We put aside the ones we didn't want to part with (special editions etc) and the rest we've started putting on Music Magpie, Zillit, and Webuybooks. We said we'd use the amount towards our spending money in Cornwall. We're not going to make loads from them but it might buy hubby a beer and a glass of wine for me, which suits me fine

    Hubby seems to be getting in the swing of decluttering. He said he's going to look in his shed and sell some tools he no longer uses. He wants to put the money towards buying a new lens for his digital camera, which is fair enough.

    I'm definitely going to start meal planning from next month. I opened the cupboard tonight to see we've nearly run out of rice, which is what we use the most of with our meals I definitely need to plan the amounts we need better as I usually just "guestimate". I said to hubby we could probably do with reducing the amount of chicken we cook in our chicken dishes and bulk them out with pulses. I'm trying to make the chicken we have left last until I do the next shop a week Saturday but want to carry this on in future too.

    So tomorrow we'll finish getting prices for the DVDs. We might also do a tip-run because we have empty cardboard boxes we don't need, plus a busted hoover and microwave that need to go. I'm all psyched up to be productive
    My debt-free diary
    • ramblehan
    • By ramblehan 15th Feb 18, 8:35 PM
    • 607 Posts
    • 1,246 Thanks
    ramblehan
    Enjoy your day. Sounds like you are making great progress. xx
    • Lilith1980
    • By Lilith1980 15th Feb 18, 8:41 PM
    • 1,815 Posts
    • 5,147 Thanks
    Lilith1980
    Enjoy your day. Sounds like you are making great progress. xx
    Originally posted by ramblehan
    Thank you Yes, small steps but chipping away.
    My debt-free diary
    • beanielou
    • By beanielou 16th Feb 18, 4:23 PM
    • 55,005 Posts
    • 219,595 Thanks
    beanielou
    Enjoy your day off
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 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.
    • CoffeeCakeYarn
    • By CoffeeCakeYarn 16th Feb 18, 5:07 PM
    • 208 Posts
    • 688 Thanks
    CoffeeCakeYarn
    hey you! Just catching up with your diary... glad you enjoyed the weekend away but sorry to hear about the car. Some people are just ugh.

    Being a nosey here so tell me to bog off if you wish... what do you do for work? I often have that feeling but I've stuck it out for ten years where I am and earn relatively well, for what is now, in the main, a very automated process for me. Although I do have massive imposter syndrome and really struggle with believing I am worth what I am paid, but then it's probably because I'm a bit lazy with the job. When I'm having the, 'Is this all?' episodes I go for a job search, convince myself I don't have the skills to get the pay I'm on now elsewhere, and get on with it haha. I hope it passes soon for you.

    Well done on the Aldi. I, too, hated supermarkets and would only go as far as click and collected, but then discovered how much I could save at Aldi. I've found that it's almost empty in the evening, usually get there about 6-7 ish, last night there were only about ten of us in the entire shop. Top tip, don't even LOOK at the middle aisle stuff, it's quite tempting goodies sometimes and can easily double your shopping bill when you end up coming out with the groceries, a scented candle, a microwave and a penguin. Okay, no penguins but you get the picture.

    Anyway, keep on keeping on. And if you haven't already seen them have a look a buddha bowls for cheapy lunch inspo xx
    PAY BACK THE FUN SPEND! 38.72/137.67
    MBNA - 2233.51/2385 - 6.35%
    Emergency Fund 26/1000
    • Lilith1980
    • By Lilith1980 16th Feb 18, 7:13 PM
    • 1,815 Posts
    • 5,147 Thanks
    Lilith1980
    Hey Coffee, thank you for your tips!

    I work in mental health directly with clients. I think my "unhappiness", if that's the right word, is partly because it's become so much about paperwork and working in certain ways only because "that's how it's done here".We've lost the freedom to be more creative in what we do and I feel I can't connect as well with the people I work with because of this. I too look at job sites wondering if I could go into something totally different, but I'd probably have to take a drop in salary. I know money's not everything but right now it's really important!

    I get imposter syndrome too. There are some days where I know I procrastinate and am probably not as proactive in the job as I should be. I think that's just where I am right now.

    Maybe you should try applying for those other jobs and see what happens? Nothing to be lost!

    I'm also questioning whether I want to work 5 days a week forever. I want to earn enough to be comfortable and perhaps work 3-4 days a week so I have time to enjoy life! This 'dream' will be more possible once my debts are cleared as I'll have more disposable income - so that's a big incentive for me to plough on through the debt!

    Yes, the middle aisle in Aldi is full of temptation. I spent nearly 10 in there today doing a top-up shop but I went in with a list and avoided the middle aisle!

    I'll look up buddhas bowls, thank you. I've heard of them but wasn't sure what they were exactly.

    Had a big de-clutter today. Took some rubbish to the tip, got the DVDs ready for Music Magpie and Zillit. We'll get about 18 which is a couple of drinks on holiday which I'm not going to sniff at! I also made some carrot soup using one of the many bags of frozen carrots we have - I was surprised at how tasty it came out. I also made a chicken and chickpea curry earlier in the day so we just had to heat it up this evening. Nigella eat your heart out

    Hubby also cleared out some rubbish from his shed and decorated the bathroom, so we've both been very proactive today
    My debt-free diary
    • beanielou
    • By beanielou 16th Feb 18, 7:26 PM
    • 55,005 Posts
    • 219,595 Thanks
    beanielou
    Glad that you have both been proactive today
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 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.
    • Lilith1980
    • By Lilith1980 16th Feb 18, 7:27 PM
    • 1,815 Posts
    • 5,147 Thanks
    Lilith1980
    Glad that you have both been proactive today
    Originally posted by beanielou
    Thanks Beanie
    My debt-free diary
    • Lilith1980
    • By Lilith1980 17th Feb 18, 4:57 PM
    • 1,815 Posts
    • 5,147 Thanks
    Lilith1980
    Had a productive day today. We posted off the DVDs to Zillit and Musicmagpie. The shop for the Zillit parcel was a 10 minute walk and as the box wasn't too heavy we walked down there and took the pooch with us.

    The Music magpie box had 71 DVDs in it so was considerably heavier! Luckily the shop was only a minute's walk away so we didn't have to drive to either destination

    I'm now moving onto books and was a bit disappointed with how little these places offer for them, but then I looked on the used ones on Amazon and they sell for less! Unfortunately, we were a bit premature with throwing away all our cardboard boxes so we have nothing to pack the books in, so I'll have to wait until we get some more boxes before the books can go

    I was feel a bit 'wired' this morning and not in a good way. I think I've just thrown myself into this de-cluttering and 'debt-free' thing too much and perhaps over done it because it's on my mind all the time. So, I did my first bit of yoga in many months using a video on youtube. It was only 20 minutes, but I felt so much calmer at the end. I think I need to do it more often.

    Hubby has sold an old camera he no longer uses and also a motorbike chain. He's putting this money away for a new camera lens. He's got the bug for de-cluttering too

    It's been nice weather today. Blue skies and not as cold as usual. The snowdrops were out too. Spring is on its way. Hope everyone is having a nice Saturday.
    My debt-free diary
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

438Posts Today

4,743Users online

Martin's Twitter