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  • FIRST POST
    • sashybo
    • By sashybo 2nd Jan 17, 10:55 PM
    • 2,761Posts
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    sashybo
    Sashybo - Back Again
    • #1
    • 2nd Jan 17, 10:55 PM
    Sashybo - Back Again 2nd Jan 17 at 10:55 PM
    Hi all, has been a good long while this time since I've had a diary, think this is number 4 overall. My last diary can be found HERE.

    Current debt now under 10K. This is mostly made up of loans we had to take out to cover the negative equity of the flat we sold a couple of years ago.

    I must admit we have slipped occasionally and had to do a couple of BT's etc as got into a bit more debt when we bought a new house & wanted shiny new things to go in it.

    Overall, things are headed in the right direction but now we have a new challenge as DH & I are expecting a baby in May.

    I only get 3 months full pay then 3 months half pay on maternity leave in my job & won't be able to go back full time as we both do shift work and there's no way to work childcare around the shifts we do (7 days in a row & many unsociable hours to boot). So we'll have to reduce the spending & batter the debt as will have a smaller income.

    So I've come crawling back - I find having a diary here does help to keep me focused and stop so much silly spending.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - 10,362 extra paid off debt. Total Debt paid off 50,880
    Loan 2328.49, CC 0% BT 1200, Car loans 22,591.72

    Have a Debt Free Diary to try & keep spending in check.
Page 1
    • buddiebabe
    • By buddiebabe 2nd Jan 17, 11:06 PM
    • 1,407 Posts
    • 3,667 Thanks
    buddiebabe
    • #2
    • 2nd Jan 17, 11:06 PM
    • #2
    • 2nd Jan 17, 11:06 PM
    Hi Sashybo

    Welcome back and congratulations on the baby news thats brilliant. I've just come back and started a new diary too. Well done on getting the debt below 10k thats wonderful. Look forward to seeing your progress

    Buddiebabe x
    DEBT OUTSTANDING 23.04.17 16802.97
    • sashybo
    • By sashybo 2nd Jan 17, 11:38 PM
    • 2,761 Posts
    • 20,490 Thanks
    sashybo
    • #3
    • 2nd Jan 17, 11:38 PM
    • #3
    • 2nd Jan 17, 11:38 PM
    Hi BB, Good to "see" you again, have just visited your diary, all sounding good.

    Thanks for the congrats, was a bit of a surprise but we're both looking forward to meeting our wee one in May.

    Best get to sleep, up at 5am for work & will be very grumpy.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - 10,362 extra paid off debt. Total Debt paid off 50,880
    Loan 2328.49, CC 0% BT 1200, Car loans 22,591.72

    Have a Debt Free Diary to try & keep spending in check.
    • Eager_Elephant
    • By Eager_Elephant 3rd Jan 17, 8:32 AM
    • 4,355 Posts
    • 24,696 Thanks
    Eager_Elephant
    • #4
    • 3rd Jan 17, 8:32 AM
    • #4
    • 3rd Jan 17, 8:32 AM
    Welcome back....


    Congratulations on the baby!!
    Ninja Saving Turtle No. 34 for April
    NSD - 0/15
    (up to 2/4/18)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • sashybo
    • By sashybo 3rd Jan 17, 7:40 PM
    • 2,761 Posts
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    sashybo
    • #5
    • 3rd Jan 17, 7:40 PM
    • #5
    • 3rd Jan 17, 7:40 PM
    Hi EE, thanks.

    Went to B00ts on my break at work today & got 4 gift sets for next Christmas and/or upcoming birthdays for 25 instead of 50 (2 male & 2 female). Will put them in my present stash.

    On my way home from work, I dropped into see my mum as she's not been too well & is off work. Took some lunch in so stayed for a few hours just having a gab.

    Got home to 3 very gobby cats demanding their dinner. DH working late shift so might be in bed before he gets home (probably should be as didn't get much sleep last night).

    DH took the Christmas tree down this morning as I had removed all the baubles, tinsel etc last night but he's still to hoover & put things back where they should be so living room looking a bit odd atm.

    Have done a 0nepoll survey & now 85p off cash out (40). Also did a Y0ug0v survey, only up to 650 points or something as fairly recently reached the payout there too. Will keep trying to do the surveys for now & earn a bit of extra money to pay off the debts & vouchers towards things for the baby.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - 10,362 extra paid off debt. Total Debt paid off 50,880
    Loan 2328.49, CC 0% BT 1200, Car loans 22,591.72

    Have a Debt Free Diary to try & keep spending in check.
    • mrshubbard
    • By mrshubbard 3rd Jan 17, 8:06 PM
    • 176 Posts
    • 1,152 Thanks
    mrshubbard
    • #6
    • 3rd Jan 17, 8:06 PM
    • #6
    • 3rd Jan 17, 8:06 PM
    Hiya I've been back on here a few times and am also expecting.

    Congratulations! It definitely helps being on here and having a little one on the eay as motivation.
    1 debt vs 100 days -
    Debtfree by Xmas
    NST - 1/18 NSDs 54/250 food 0/60spends
    Debts - CC1-4438.89 4329.82 CC2-4560.38 3672.52 CC3-10,32610,155.85 CC4 - 3286
    • sashybo
    • By sashybo 3rd Jan 17, 8:31 PM
    • 2,761 Posts
    • 20,490 Thanks
    sashybo
    • #7
    • 3rd Jan 17, 8:31 PM
    • #7
    • 3rd Jan 17, 8:31 PM
    Hi MrsH Congrats to you too.

    Yes the prices of all the baby paraphanelia are quite scary so definitely motivation to spend less on silly things & get the debt down a bit more.
    Last edited by sashybo; 10-01-2017 at 11:19 PM.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - 10,362 extra paid off debt. Total Debt paid off 50,880
    Loan 2328.49, CC 0% BT 1200, Car loans 22,591.72

    Have a Debt Free Diary to try & keep spending in check.
    • sashybo
    • By sashybo 4th Jan 17, 4:57 PM
    • 2,761 Posts
    • 20,490 Thanks
    sashybo
    • #8
    • 4th Jan 17, 4:57 PM
    • #8
    • 4th Jan 17, 4:57 PM
    Not much to report today, very tired with 5am starts but only one more shift to go until I'm off for my long weekend.

    My MIL is coming to stay for the weekend from down south though. She's very nice but always difficult having someone to stay for days at a time. Maybe she'll do my ironing (mostly DH's work shirts) if I'm nice to her.

    I'll let her have some mother & son only time with DH so I can chill out. She will also help us tidy up the garden & maybe get a few early seeds planted in the greenhouse.

    Trying to think of a birthday present for MIL as she's 70 at the end of the month but no idea what to get. DH a bit useless even though she's his mum.

    My next scan is due on Friday afternoon so looking forward to seeing how much the baby has grown and making sure that everything is ok.

    Still freaking out a bit at how fast the weeks seem to be flying in & how much we've got to buy/do before the wee one arrives.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - 10,362 extra paid off debt. Total Debt paid off 50,880
    Loan 2328.49, CC 0% BT 1200, Car loans 22,591.72

    Have a Debt Free Diary to try & keep spending in check.
    • Ali-OK
    • By Ali-OK 4th Jan 17, 5:24 PM
    • 4,059 Posts
    • 16,640 Thanks
    Ali-OK
    • #9
    • 4th Jan 17, 5:24 PM
    • #9
    • 4th Jan 17, 5:24 PM
    Welcome back SashyBo - I've just started another diary too and think it's also Number 4

    Congrats on the baby news and Mrs H too.

    Hope MIL does lots to help and gives you a nice break and your scan goes well.
    Back on the DFW Wagon:

    CC - 3,300 on 0% til 04/2020
    CC - 4,500 on 0% til 02/2019
    Loan - 12,063.84 as at 4/1/18
    • sashybo
    • By sashybo 4th Jan 17, 5:56 PM
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    sashybo
    Hi Ali So nice to "see" you and thanks for dropping in.

    I'm sure MIL will be a good help, she loves to keep busy and sometimes finds it hard just to sit down. DH takes after her so I'm quite happy sitting on the couch and letting them get on with it.

    Inspired by Buddiebabe's diary I need to look at/sort out all of my clothes but can't judge with a lot of it what will fit & what won't due to the (small at the moment) baby bump. Will try and clear out anything I know I haven't worn for a long time. Also have eleventy billion jackets/coats that I need to go through. I'm still looking for the mythical "right" jacket/coat that will work for all occasions & weathers - I'm starting to think it doesn't exist.

    Also need to try on my work uniform & decide if it's time to move to the maternity one. The trousers extend out so big they're like clown trousers and the blouses are attractive smock like things that looked like a dress on me before I had any sign of a bump.

    Finding it difficult to type as my small cat has decided that sitting right in front of my keyboard so that I can type around her is a good idea. As soon as I stop typing she moves away.

    Oh forgot to add I've also rejoined the PAD (Payment a Day) thread to start paying small amounts daily off my debt again. I'm starting with my smaller loan as it also has the highest interest.
    Last edited by sashybo; 04-01-2017 at 5:58 PM. Reason: Forgot PAD news
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - 10,362 extra paid off debt. Total Debt paid off 50,880
    Loan 2328.49, CC 0% BT 1200, Car loans 22,591.72

    Have a Debt Free Diary to try & keep spending in check.
    • sashybo
    • By sashybo 4th Jan 17, 7:41 PM
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    sashybo
    Well I tried on the maternity trousers & they are like clown trousers on the smallest fastening. Think I need a size down as there is far too much loose material in the crotch & they're far too long as well.

    Luckily can still (just) get into my normal uniform trousers, what a pain though as ordered the same size as my usual uniform ones which are small made but the maternity ones are flipping huge in that size.

    Tried on a uniform smock type blouse as well, it's ugly & I hate it, it makes me look much more pregnant than I am and really frumpy too. So sticking with my normal blouses as well for now but won't be able to wear them much longer as they were already a bit short on the length for me before I was pregnant.

    Feeling a bit fed up after that.
    Last edited by sashybo; 04-01-2017 at 9:09 PM.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - 10,362 extra paid off debt. Total Debt paid off 50,880
    Loan 2328.49, CC 0% BT 1200, Car loans 22,591.72

    Have a Debt Free Diary to try & keep spending in check.
    • sashybo
    • By sashybo 5th Jan 17, 4:03 PM
    • 2,761 Posts
    • 20,490 Thanks
    sashybo
    Got my work to order a size smaller in the maternity trousers so hopefully they will fit OK.

    Now finished for my long weekend (5 days off) .

    It's so cold here today, had to de-ice my car at 5:30am before leaving for work and hasn't really warmed up much all day.

    MIL arriving soon but I really need a nap, so tired today. DH has done some housework so the house is looking good & he has chilli in the slow cooker for dinner. Will have it with baked potato & tortilla crisps, sour cream & bird's eye chillies.

    Have made my PAD over on that thread today, always a nice thread to visit.

    Cuddled up on the couch with my cats & blanket and browsing MSE for a while.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - 10,362 extra paid off debt. Total Debt paid off 50,880
    Loan 2328.49, CC 0% BT 1200, Car loans 22,591.72

    Have a Debt Free Diary to try & keep spending in check.
    • Bobarella
    • By Bobarella 5th Jan 17, 4:47 PM
    • 10,472 Posts
    • 69,775 Thanks
    Bobarella
    Good luck getting rid of the last debt. Nice to see a fellow PAD fan over here.
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from 40k in the hole 2012.
    Roadkill 17 56.58 2016-62.28 2015- 84.20)
    RYSAW17 1900 2016 2,535.16 2015 1027.20
    • sashybo
    • By sashybo 6th Jan 17, 12:22 PM
    • 2,761 Posts
    • 20,490 Thanks
    sashybo
    Hi Bobarella Thanks for visiting. Yes PAD has really been helpful in the past, it's something I always return to.

    Not been up to much since last post, just pottering around and catching up with MIL. Scan is this afternoon & she is coming with DH & I as he is an only child so first grandchild for her. Fingers crossed everything is ok with the baby, looking forward to seeing her/him again.

    Just going to jump over to the PAD thread to make my payment then have a browse around diary land for a bit.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - 10,362 extra paid off debt. Total Debt paid off 50,880
    Loan 2328.49, CC 0% BT 1200, Car loans 22,591.72

    Have a Debt Free Diary to try & keep spending in check.
    • joeyjimbles
    • By joeyjimbles 6th Jan 17, 2:07 PM
    • 1,579 Posts
    • 8,576 Thanks
    joeyjimbles
    Congratulations on the baby, and making your PADs. I don't post on there very much but it has become a way of life for me - I break my debts into tiny percentages or smaller and just PAD away until I get rid, and daily put any pennies under 10p into a box to make bigger PADs on an irregular basis.

    A first baby is exciting but try super-hard not to get carried away with the paraphenalia, or toys. Its really worth looking in the Charity Shops or finding NCT nearly-new sales for real bargains. Some things you only need for such a short period of time that its not worth spending much on them.
    • Bobarella
    • By Bobarella 6th Jan 17, 4:16 PM
    • 10,472 Posts
    • 69,775 Thanks
    Bobarella
    Loaning is good too. I lent my baby Bjorn out and had that back again. Then a friend gave me a bigger more back supporting version once DD was bigger. I still use it now occasionally. Someone gave me a material sling too but I couldn't get on with that.
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from 40k in the hole 2012.
    Roadkill 17 56.58 2016-62.28 2015- 84.20)
    RYSAW17 1900 2016 2,535.16 2015 1027.20
    • sashybo
    • By sashybo 6th Jan 17, 6:14 PM
    • 2,761 Posts
    • 20,490 Thanks
    sashybo
    Hi Joeyjimbles, thanks for visiting & the advice on not getting carried away. I can see how easy it could be. Think my DH will be worse than me to be honest, he loves gadgets & will get overexcited at all the "stuff" you can buy for the baby. Will have to keep a tight reign on him.

    PAD is a good habit to get into, I really find it worthwhile.

    Good idea Bobarella, worth keeping in mind.

    Scan went well, baby all healthy as far as they can tell. He or she was wriggling away & doing a forward roly-poly at one point too.

    Got another 15p survey so only 70p more till 40 cash out on 0nep0ll.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - 10,362 extra paid off debt. Total Debt paid off 50,880
    Loan 2328.49, CC 0% BT 1200, Car loans 22,591.72

    Have a Debt Free Diary to try & keep spending in check.
    • Bobarella
    • By Bobarella 6th Jan 17, 7:25 PM
    • 10,472 Posts
    • 69,775 Thanks
    Bobarella
    Glad babe was well, such a beautiful moment when you get to see who is in there!
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from 40k in the hole 2012.
    Roadkill 17 56.58 2016-62.28 2015- 84.20)
    RYSAW17 1900 2016 2,535.16 2015 1027.20
    • sashybo
    • By sashybo 7th Jan 17, 5:16 PM
    • 2,761 Posts
    • 20,490 Thanks
    sashybo
    Hi Bob, yes it was lovely seeing the wee one, although difficult as he/she wouldn't stay still.

    Went out for a wander today with DH & MIL round a local plant nursery. Not as much stuff in obviously due to the time of year but saw some shrub plants we were thinking of using for hedging in our front garden. Nice to see them in "real life" rather than on the computer screen. We need to measure etc and see how many plants we would need & how much it would cost. It's not a large area thankfully.

    Do need to get out and do some weeding and pruning in the garden but the last few days have been so wet & miserable.

    MIL has been busy knitting for the baby and so far we have 3 cardigans in various sizes and two hats that she brought up with her. She's currently working on a blanket and hoping to finish it before she goes home on Monday.

    We went out for a biggish lunch but was very reasonably priced & MIL paid half as well which was very good of her. Will prob only need a light snack later rather than a big dinner.

    Not up to much more, feeling quite tired today. Have some ironing to do but will see how I feel later.

    Ordered a storage bag to keep our artifical Christmas tree in as it won't go back in the box and DH literally threw it into the cupboard where it lives. Was only 6.99 from the bay of e and had money in my p@yp@l account from surveys so it was kind of free. MIL was telling us how she makes FIL tie string around the Christmas tree box & squashes the tree in there. We were like, "eh we'll just buy this bag".

    Going to pop over to PAD to pay my usual 1 to the loan.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - 10,362 extra paid off debt. Total Debt paid off 50,880
    Loan 2328.49, CC 0% BT 1200, Car loans 22,591.72

    Have a Debt Free Diary to try & keep spending in check.
    • sashybo
    • By sashybo 8th Jan 17, 1:25 PM
    • 2,761 Posts
    • 20,490 Thanks
    sashybo
    Hello all, just a quick update, heading for a shower shortly and then DH & I are taking MIL & my mum out for a late lunch/early dinner. DH found a 40% off voucher for Harvester so guess where we're going.

    Have had a lazy morning so far but did finally get round to a job I've been meaning to do for ages. Bought clear anti-slip plastic liner from Ald! for my drawers/cupboards in the kitchen as saw friends of ours using it and thought Oh that looks good, keeps them cleaner and stops the insides of the drawers etc getting all marked. Now I probably bought the stuff about 2 or 3 months ago and sat it in the kitchen, where it has been looking at me ever since.

    Finally cleaned my kitchen drawers out (only have 3 & 2 are the deep kind which we keep our pots & pans in) and cut the liner to size in each drawer. Of course I hadn't bought enough for any of the cupboards. But at least the roll I bought has finally been used (apart from one odd sized off-cut, which might do one of the narrower cupboards I have). So will look out for more to at least do the cupboards with my oven trays etc & my plates but *this time* I'll put it in straight away rather than wait a few months.

    Might de-frost the freezer later if I have time (yes when we bought our new build the builders had put in a freezer that's not frost free I haven't had one that you have to defrost for years and was totally horrified ).

    Also managed my ironing last night. Off to do my PAD before my shower.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - 10,362 extra paid off debt. Total Debt paid off 50,880
    Loan 2328.49, CC 0% BT 1200, Car loans 22,591.72

    Have a Debt Free Diary to try & keep spending in check.
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