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
    • 1,818Posts
    • 5,172Thanks
    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 3
    • Lilith1980
    • By Lilith1980 5th Feb 18, 8:01 PM
    • 1,818 Posts
    • 5,172 Thanks
    Lilith1980
    Evening everyone, hope people have had a good day.

    NSD and made a chicken stir fry tonight which, unlike last night's disaster, actually had some taste to it!

    I'm bit worried about the time away we have planned this coming weekend. We've budgeted for the B&B, but we're going to have to watch the spends on food. There's a place near where we're staying which does two meals for £9.99 which will be fine for Friday night, but it's a weekday deal only. I suggested to hubby that we take some sandwich stuff to make for lunch on the Saturday and he said he'd been thinking that too! We definitely want fish and chips though (you have to when you're by the sea, right?!) so we'll have that Saturday night

    Hopefully then, we won't spend more than £30 on eating out over the weekend. I want it below that if we can

    I'll be glad when there comes a time where we can go away and be more relaxed about what we spend. The break away will do us good though. It'll help clear my head I think.
    Last edited by Lilith1980; 05-02-2018 at 8:04 PM.
    My debt-free diary
    • Seasidegal58
    • By Seasidegal58 5th Feb 18, 8:16 PM
    • 2,002 Posts
    • 12,314 Thanks
    Seasidegal58
    You’ve got your food sorted out very economically Lilith - and I agree that you’ve got to have those fish and chips!

    As you say, it might only be a n MSE break, but its still a lovely time with lots of ozone!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 23/06/2018: £665.09
    MONTHS TO RETIREMENT: 35!
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    • Lilith1980
    • By Lilith1980 5th Feb 18, 8:25 PM
    • 1,818 Posts
    • 5,172 Thanks
    Lilith1980
    Definitely! I love being by the sea. There's something about it that relaxes me and gets rid of any stresses I'm hanging onto
    My debt-free diary
    • Lilith1980
    • By Lilith1980 6th Feb 18, 8:58 PM
    • 1,818 Posts
    • 5,172 Thanks
    Lilith1980
    Evening everyone

    Well I had a nice surprise later yesterday evening. My mum emailed me and my brothers to say she'd transferred a bit of money into our accounts. It means I can pay off the rest of our break to Cornwall in June (which wasn't overly expensive as it's outside the school holidays), plus I'm going to use £80 of it towards my 'Charlie' ring as I got the rest of the money from selling some old rings to Hatton Garden Metals. That leaves a few hundred which I've paid off MBNA, which feels like a nice chunk. So generous of my mum to do that

    In other news I had my viva date today which is 15th March. I can finally see then end and it feels great. Over the next few weeks I'll be prepping and making sure I know my thesis, although I've lived it for the last few years so I could probably recite it in my sleep

    NSD today. I've been reading the Frugalwoods website a lot and it's really motivating me to keep my spending down. I'm particularly interested in the cooking bit. I'm sure we could be reducing our food bill. At the moment we do our main shop at Mr T's online as I get stressed going in store, but I'm thinking of going into Aldi and writing down the prices of our regular items to see how these compare to Mr T's. I may have to get over my aversion of busy supermarkets!

    I've earned £20 so far with WhatUsersDo, which is great. I really enjoy doing their surveys so it's some extra money which will come in handy for presents.

    We've had snow here today but nothing heavy thank goodness. I don't like driving when we've had heavy snow as we just can't seem to handle it in this country. We need some of those mahoosive snow ploughs from Canada!
    My debt-free diary
    • Lilith1980
    • By Lilith1980 7th Feb 18, 7:32 PM
    • 1,818 Posts
    • 5,172 Thanks
    Lilith1980
    Phew, I'm shattered today. It was -5 this morning so it took a while to defrost the car and as I pulled away the service light came on and the car was sluggish all the way to work. It's done this once before in cold weather where I have to put my foot to the floor to struggle through the gears. I'm not sure what's going on. When I get it serviced I'll mention it

    Got home and walked the pooch, then had 3 tests to do for Prolific Academic, so I've only just sat down and had something to eat.

    I've been jotting down things we can do during our week off in March. Weather-permitting we'll be out tidying the garden and we also want to take stuff to the tip.

    We've got a pile of clothes we sorted out so I want to put these on ebay, even if we get a few £s for them. I'm going to talk to hubby about selling our DVDs to somewhere like music magpie because they've sat in a box and we've only watched one or two in the past few years. I'm determined to do a de-clutter as we have lots of stuff that just sits around and we don't use it.

    Every penny helps - we can put any money towards a holiday spends fund for Cornwall in June
    My debt-free diary
    • Uniscots97
    • By Uniscots97 8th Feb 18, 6:03 PM
    • 6,423 Posts
    • 23,795 Thanks
    Uniscots97
    Lilith is your car a Citroen by any chance? I had one (a Citroen, 8 years old at the time and it did the same as yours, eventually it locked and wouldn!!!8217;t unlock. It was the engine management system had failed. I had to get it towed. At the time my Grandpa has just passed away (it had been his car before he gave up driving) and I couldn!!!8217;t afford to buy a new car so opted to get it fixed. It cost me £1700. A lot yes but for lots of reasons I didn!!!8217;t want to replace it. The car lasted me another 4 years before doing similar with the lights on the dash coming on and the engine cutting out (which happened on a motorway!). This happened just 2 weeks after my gran passed away and I reckon it was her way of saying !!!8220;for goodness sake girl get a new car!!!!8221;. The very same day I got a call saying she had left me a small amount of money, enough to go buy a nearly new small car.
    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 8th Feb 18, 6:31 PM
    • 1,818 Posts
    • 5,172 Thanks
    Lilith1980
    wha
    Lilith is your car a Citroen by any chance? I had one (a Citroen, 8 years old at the time and it did the same as yours, eventually it locked and wouldn!!!8217;t unlock. It was the engine management system had failed. I had to get it towed. At the time my Grandpa has just passed away (it had been his car before he gave up driving) and I couldn!!!8217;t afford to buy a new car so opted to get it fixed. It cost me £1700. A lot yes but for lots of reasons I didn!!!8217;t want to replace it. The car lasted me another 4 years before doing similar with the lights on the dash coming on and the engine cutting out (which happened on a motorway!). This happened just 2 weeks after my gran passed away and I reckon it was her way of saying !!!8220;for goodness sake girl get a new car!!!!8221;. The very same day I got a call saying she had left me a small amount of money, enough to go buy a nearly new small car.
    Originally posted by Uniscots97
    Wow, I definitely agree that that was a sign from your gran!

    No, I've got a vauxhall, but now from what you've said I'm a bit worried in case the thing packs up! I only bought it in October last year but it's 3 years' old. It's only ever done it twice though and both times it has been much colder here than usual so I assume it's something to do with that, unless the cold weather is a coincidence!

    The engine, thankfully, didn't cut out as I was going along. It's only when I stopped at a junction and tried pulling away. But, I think that was because I didn't put my foot on the accelerator enough.

    I'm going to hope for no more cold spells and see how it goes. It was fine when I drove it back from work on the same day when it had "warmed up" a bit outside, and today it was fine too. Hopefully there won't be any more problems before the next service and I'll ask them about it
    My debt-free diary
    • Uniscots97
    • By Uniscots97 8th Feb 18, 6:55 PM
    • 6,423 Posts
    • 23,795 Thanks
    Uniscots97
    I do believe in signs. We have a baby cam for LO and on the night my Gran passed away I woke up on the sofa (fallen asleep watching tv) at 00:15. LO was only a few months old so immediately checked the camera and saw a ball of light no bigger than a tennis ball next to the cot, I saw it move lower then up quite slowly and turn. I jumped out of bed and went LOs room and saw nothing. I only found out the following day that Gran had passed away and the time. This happened again when LO was 1 and my only other remaining grandparent passed away, I woke at 1:33 and saw the same ball of light moving around LO cot on the camera. Next day I got the news my Papa had passed away in the early hours.
    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 8th Feb 18, 7:15 PM
    • 1,818 Posts
    • 5,172 Thanks
    Lilith1980
    I do believe in signs. We have a baby cam for LO and on the night my Gran passed away I woke up on the sofa (fallen asleep watching tv) at 00:15. LO was only a few months old so immediately checked the camera and saw a ball of light no bigger than a tennis ball next to the cot, I saw it move lower then up quite slowly and turn. I jumped out of bed and went LOs room and saw nothing. I only found out the following day that Gran had passed away and the time. This happened again when LO was 1 and my only other remaining grandparent passed away, I woke at 1:33 and saw the same ball of light moving around LO cot on the camera. Next day I got the news my Papa had passed away in the early hours.
    Originally posted by Uniscots97
    That's amazing and brought some comfort I assume?

    My nan passed away in 2016 and I believe I had a few signs from her afterwards. A week or so after she passed away my husband and I went walking around a local reservoir. I took some photos with my camera phone and when I got home and looked on them, one photo had a beam of pink light that was in motion and moved from the left side of the photo and into the centre where it kind of diffused into a larger light. My nan's favourite colour was pink

    There were other signs too after that so I believe she was around
    My debt-free diary
    • Uniscots97
    • By Uniscots97 8th Feb 18, 7:50 PM
    • 6,423 Posts
    • 23,795 Thanks
    Uniscots97
    Aww thats lovely Lilith, it did bring me comfort. I thought it lovely theyd gone to see LO. I remember my Gran telling me her best friend came to see her the night she passed away, walking through the kitchen as she always did and shouting 'cheerie', that was just before I was pregnant with LO.

    Have you decided what to do with your days off in March?
    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 8th Feb 18, 7:59 PM
    • 1,818 Posts
    • 5,172 Thanks
    Lilith1980
    I have big plans for March ha ha! I want to be really productive, otherwise it would be easy to just sit around on the internet.
    • We're planning on taking some things to the local tip (e.g., a microwave which stopped working) so that will clear some space.
    • We've also got a pile of clothes that we sorted through so I'm going to put all these on ebay and see if we can get a little bit of money for them.
    • We're going to go through our DVDs and see which we can sell on music magpie or somewhere similar
    • I have some clubcard vouchers which I'm going to quadruple so we can go for a free meal - got to treat ourselves during our time off

    I may think of other things to add to this list, but I really want to declutter our house and at least attempt to make a little money off it. We can put it towards when we go to Cornwall in June
    My debt-free diary
    • Lilith1980
    • By Lilith1980 8th Feb 18, 9:21 PM
    • 1,818 Posts
    • 5,172 Thanks
    Lilith1980
    Last day at work today as we're off to the coast tomorrow

    I spent about £4 buying some items to take for lunch to save money, but then I was able to cash out £5 from Swagbucks tonight so that covered things

    Been feeling in a right old rut right now and I'm not sure what it's all about. Mixed feelings about whether the job I'm doing (and that I paid my doctorate to do!) is what I really want to do
    I've felt this before so it's a recurring thing. However, I need to remember that my qualification will open doors for me in other types of roles, not just the one I'm doing so there are always other options. I just feel a bit fed up, so hopefully this weekend away will clear away some of the 'stuckness'.

    Finally managed to actually get some surveys done, rather than be screened out after a few questions so that was satisfying. I'm nearly at the £20 payout for Prolific Academic so hopefully more studies will come my way soon (it's free to withdraw £20 but not free below that so I'm waiting for the £20 mark).

    It's pouring with rain here so goodness knows what the coast will be like, but we'll be wrapping up warm!
    My debt-free diary
    • Uniscots97
    • By Uniscots97 9th Feb 18, 6:04 AM
    • 6,423 Posts
    • 23,795 Thanks
    Uniscots97
    Lilith are you maybe feeling like that because you know you have to stick to your current role until you finish your PhD?

    Enjoy your time at the coast!
    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
    • Cumbria lass
    • By Cumbria lass 9th Feb 18, 7:04 AM
    • 1,916 Posts
    • 11,663 Thanks
    Cumbria lass
    Lilith thanks for stopping by on my diary , I am about to read yours and have subscribed.
    CC1 £3475 May 2018
    • Lilith1980
    • By Lilith1980 9th Feb 18, 7:15 AM
    • 1,818 Posts
    • 5,172 Thanks
    Lilith1980
    Lilith are you maybe feeling like that because you know you have to stick to your current role until you finish your PhD?

    Enjoy your time at the coast!
    Originally posted by Uniscots97
    Unfortunately I only started the job late last year

    I left the other one I'd been at for 4 years because my manager was so unsupportive. At my new job everyone is lovely, but I've just been asking myself questions about life like " what is this all about?". I think far too deeply about stuff and get myself wound up. Perhaps I need to give myself more time to settle in. I'm certainly not one to leave without having something else to go to.
    My debt-free diary
    • Lilith1980
    • By Lilith1980 9th Feb 18, 7:16 AM
    • 1,818 Posts
    • 5,172 Thanks
    Lilith1980
    Lilith thanks for stopping by on my diary , I am about to read yours and have subscribed.
    Originally posted by Cumbria lass
    No problem, and thank you
    My debt-free diary
    • Munchin
    • By Munchin 11th Feb 18, 11:17 AM
    • 2,309 Posts
    • 7,142 Thanks
    Munchin
    Hi Lilith

    I hope you are having a lovely break.
    • Seasidegal58
    • By Seasidegal58 11th Feb 18, 11:43 AM
    • 2,002 Posts
    • 12,314 Thanks
    Seasidegal58
    Me too! Hope the weather is bright and sunny where you are!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 23/06/2018: £665.09
    MONTHS TO RETIREMENT: 35!
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    • Uniscots97
    • By Uniscots97 11th Feb 18, 12:59 PM
    • 6,423 Posts
    • 23,795 Thanks
    Uniscots97
    Hope youre having a great time Lilith
    Last edited by Uniscots97; 11-02-2018 at 1:05 PM.
    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 11th Feb 18, 3:35 PM
    • 1,818 Posts
    • 5,172 Thanks
    Lilith1980
    Thanks all for checking in with me! We're back home now. It was wet and windy Friday/Saturday but it didn't stop us walking around. We went along the sea front and also to a nearby country park. It was lovely and sunny today (if a bit bracing!) so we got out for a walk along the beach (the humber estuary to be exact) before heading home. I love being by the sea. I felt emotional as we got onto the beach; this break did us both good.

    I missed our pooch though; she would have loved running on the sand and saying hello to the other dogs. I think hubby regretted saying we shouldn't take her this time. She's coming with us to Cornwall in June but perhaps hubby is now persuaded that she comes on shorter breaks too

    The place we stayed was really good value. It cost £42.50 per night and we didn't realise it was above a Hungry Horse pub so they had lots of meal deals which reduced our costs. On the Friday night we had burger and chips which cost £6.29 for both of us! Last night it was £8 for two courses so a total of £16 for a main and dessert each; and they were big portions. Hubby had put money away too for food. I'd put away money to cover the hotel room and kennel costs but inadvertently put too much money away, which was good as it meant I didn't have to dip into this month's wages as much when it came to us eating. All I actually spent from this month's wages was £7.50 on two breakfasts this morning

    On a less positive note, we came out on Saturday morning to go for a walk and it seemed someone (probably drunk, having come out of the pub) decided it would be fun to stand on my hubby's car bonnet and leave a sizeable dent in it So now we're not sure how much it will cost to put that right. He rang the insurance company and they're going to ring him tomorrow. I may have to put the excess on my CC as hubby doesn't have the amount sitting spare. He'll pay it back of course, but it's still money we/he could have done without spending. I think we were more annoyed that people just don't think about what their actions can cost people. However, we both said it could have been worse and the person could easily have trashed the car if they were really drunk.

    It tainted the weekend a little bit but we've both come back refreshed and we've said we need to try and do the odd weekend away more often. I think life can get on top of us a bit and it's a recharging of the batteries.

    Come back home to snow so I've turned the heating on as it's very cold in the house!

    Hope everyone is well
    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

3,571Posts Today

9,107Users online

Martin's Twitter