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
    • Lucifa73
    • By Lucifa73 6th Apr 10, 10:32 PM
    • 7,366Posts
    • 9,353Thanks
    Lucifa73
    Lucifa's (Ac)counting the pennies DFW diary
    • #1
    • 6th Apr 10, 10:32 PM
    Lucifa's (Ac)counting the pennies DFW diary 6th Apr 10 at 10:32 PM
    Hi there. Me again

    So why the new diary? Well after 14months of being unemployed (8 months of which had been planned as maternity leave...) I have, today, been offered a job. Pretty good timing as JSA was about to run out mid May and the redundancy pot is pretty much empty.... Talk about cutting it fine!!!

    Anyways, I start work in 12 days time (those who don't already know will soon learn I don't hang about once a decision is taken), which means there is not much time to get done things that need to be got done...

    I need to compile a to do list, sort out a budget and get back on the fast track to being debt free.

    When I first had a true LBM in early 2008 I owed nearly 8,000 and by Jan 2009 had reduced the debt to 4,482 and was well on track for being all but debt free by now but Fate dealt a blow in the form of redundancy. Between making up small monthly shortfalls and some optimistic/comfort spending my debt has gradually risen again. I haven't got a precise total but I know I owe roughly 7,000. Not quite back to square one, but not great either.

    The debt is made up of four balances :

    Santander loan : 1,400
    Egg Mastercard : 2,200
    Tesco Mastercard : 2,000
    HBoS o/draft : 1,400

    The loan is fixed term and will be paid off in December this year. The most expensive is the overdraft which will be tackled first and foremost. I can't believe a year ago it was all but clear

    Personal budget looks something like this:


    Income 1,900

    Joint account (1,000)
    A&L loan (156)
    Mobile phone (20)
    Tesco card (60)
    Egg card (40)
    Contacts (20)
    Cat insurance (14)
    Overdraft (200)
    Commute (90)
    Spends (100)

    BALANCE 327

    The surplus will be chucked at debt for the most part and I will put away some for Xmas/holiday and goodies.

    So onwards and upwards then I guess
    Last edited by Lucifa73; 07-04-2010 at 9:40 PM.
    Tesco CC 020718: 3502.86/030718: 3348.02 0.14%
    Surveys cashed 4.84/cleared 24.17/pending 4.87... (plus 500 YouGov points...)
    Don't give in; Don't you dare quit so easy
    Give all; That you got on the soul
    Snow Patrol. 'Don't give in'. 21.3.18
Page 13
    • lonelyrat
    • By lonelyrat 5th Jul 18, 9:25 PM
    • 363 Posts
    • 891 Thanks
    lonelyrat
    Sorry about all the stress, does not sound ideal. Lovely that your parents are there to help but I can imagine 3 weeks feels never- ending. I have an OK relationship with my Dad now but there was a serious rough patch. It's just me and him and he's a very intelligent man and unfortunately I don't think I've ever quite lived up to expectations.

    Good news on all the surveys. I do think Circle is good for Prolific - it's motivation as well to get to the 20. I've had a bit of a bad spell with mine... Had one for over 7 sitting for a week I just never got round to doing it and now I'm kicking myself!

    How was the head massage? I want one... or any kind of massage really! I try and rope OH into giving me back rubs but am always met with a lot of grumbling.... Maybe I need to find a voucher.

    Hope there's nothing to worry about with your Mum. It's quite a scary thing to think about but am sure it was just a moment of thoughtlessness. Lord knows I have about a hundred a day...
    Total Debt: 625 / 7266.93
    Outstanding Debt: Virgin CC 625
    Weight Loss:14.9kg/ 45kg
    • Lucifa73
    • By Lucifa73 9th Jul 18, 10:42 AM
    • 7,366 Posts
    • 9,353 Thanks
    Lucifa73
    Good morning lovelies. Hope you are all well, lurkers and posters alike!

    I had a great 4-day weekend. I took Thursday off (and told nobody other than Hubbles) and went for a day in the Weege. I took advantage of the sale in M&S to get some much needed underwear (4 complete matching 'sets' for 40 is bargainous! The equivalent in Boux Ave would have been over 100!) and a skirt for work.

    I got a few other bits and bobs (within budgeted spends for the day) and then went for a head and back massage (voucher) which was apparently very much needed given the crunching and popping in my left shoulder! After that I headed home to gifts and cake and a relax in our sunny back garden.

    Friday I motored through some housework and started purging our bedroom. I seem to be in declutter mode and I am loving it! The rest of the weekend was quite relaxed although Mum is starting to wear on me a bit. The theme of this visit appears to be being shut away in my room as a teenager... only 30 odd years ago Mother! Besides - the alternative was to go out and get the carp kicked out of me which I got quite enough of at school thanks very much... still - just 10 days to go. I can keep it all in for 10 more days... Plus they eat WAY TOO MUCH, Mum especially (I'm sorry but I think 2 pork chops is excessive in one sitting). Still, the extra cost is easily covered by the savings in childcare this month.

    In other news, we booked our holidays and are set to fly to Turkey for 10 nights (actually 11 full days because of flight times ). We held off as long as we could and have got an amazing all inclusive holiday and save around 2.5k off the full price that was listed even a couple of months ago. So I need to lose about 2 stone in 10 days... Or find a magic bikini so I don't give everyone the boke

    On a more MSE front, we took full advantage of the double discount and saved 70 on non-perishables plus 30 of vouchers so 200 on 300ish of supplies. Should perhaps have stocked up a bit more on meat to cover the ravenous hordes... I need to get back to surveys and start chipping at the CC. Hubbles may get a new BT offer soon but I want to have less than 3k when he does.

    Right - off to get some work done. Hopefully will get some surveys at lunchtime.
    Luc x
    Tesco CC 020718: 3502.86/030718: 3348.02 0.14%
    Surveys cashed 4.84/cleared 24.17/pending 4.87... (plus 500 YouGov points...)
    Don't give in; Don't you dare quit so easy
    Give all; That you got on the soul
    Snow Patrol. 'Don't give in'. 21.3.18
    • UncannyScot
    • By UncannyScot 9th Jul 18, 10:49 AM
    • 1,512 Posts
    • 8,437 Thanks
    UncannyScot
    A great weekend indeed
    BUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
    It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
    R.I.P. T.P.
    • Starmummy
    • By Starmummy 9th Jul 18, 12:03 PM
    • 163 Posts
    • 710 Thanks
    Starmummy
    That Sounds like a wonderful weekend Luc. Well deserved


    SM
    Debt at LBM (01/01/18) 17,937.19
    current Debt (02/07/18) 12,307.50
    31.4% gone forever
    DFD 12/09/19
    • beanielou
    • By beanielou 9th Jul 18, 9:06 PM
    • 55,505 Posts
    • 222,762 Thanks
    beanielou
    Glad that you had a good weekend
    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.
    • Lucifa73
    • By Lucifa73 10th Jul 18, 5:08 PM
    • 7,366 Posts
    • 9,353 Thanks
    Lucifa73
    What a day. My brain hurts.
    Hope you are all well
    Lx
    Tesco CC 020718: 3502.86/030718: 3348.02 0.14%
    Surveys cashed 4.84/cleared 24.17/pending 4.87... (plus 500 YouGov points...)
    Don't give in; Don't you dare quit so easy
    Give all; That you got on the soul
    Snow Patrol. 'Don't give in'. 21.3.18
    • lonelyrat
    • By lonelyrat 11th Jul 18, 3:14 PM
    • 363 Posts
    • 891 Thanks
    lonelyrat
    Loved the M&S sale.. Underwear is a shout! I always get my bras from there but my cup/ band size are all over the place at the moment so didn't think it wise for me to get any. I did have a nosey though and was very tempted.

    Sounds like such a lovely few days off... A massage and then cake in the sun sounds perfect!

    Also yay to the holiday!!! How exciting I hope you have a fantastic time and I'm sure you will look brilliant - Im confident it will be a boke free zone
    Total Debt: 625 / 7266.93
    Outstanding Debt: Virgin CC 625
    Weight Loss:14.9kg/ 45kg
    • lonelyrat
    • By lonelyrat 11th Jul 18, 3:15 PM
    • 363 Posts
    • 891 Thanks
    lonelyrat
    What a day. My brain hurts.
    Originally posted by Lucifa73
    Hope everything is ok!?
    Total Debt: 625 / 7266.93
    Outstanding Debt: Virgin CC 625
    Weight Loss:14.9kg/ 45kg
    • Lucifa73
    • By Lucifa73 12th Jul 18, 5:17 PM
    • 7,366 Posts
    • 9,353 Thanks
    Lucifa73
    HI LR. Birthday cake in the sun was indeed lovely

    I'm okay. Just reading through some very technical legal stuff for work and it takes a while to translate it to normal English. To give you an idea I can easily read 1,000 pages in a weekend but this was 20 pages in 4 hours (only about 400 more pages to go

    I am very much looking forward to over 2 weeks off work but I have a LOT to do to get organised and a LOT to get done at work before I go...
    Tesco CC 020718: 3502.86/030718: 3348.02 0.14%
    Surveys cashed 4.84/cleared 24.17/pending 4.87... (plus 500 YouGov points...)
    Don't give in; Don't you dare quit so easy
    Give all; That you got on the soul
    Snow Patrol. 'Don't give in'. 21.3.18
    • Lucifa73
    • By Lucifa73 13th Jul 18, 8:08 AM
    • 7,366 Posts
    • 9,353 Thanks
    Lucifa73


    Picked up a few bits for the kids in Primark for our holidays but the card machine wasn't working - declined all my debit cards even though I knew there was cash in the account so I tried my MasterCard as a last resort. It was also declined (I have the till slip to prove it) but when I checked my CC balance this morning the charge has come off my account. Now I need to phone TBank and get it fixed. What a hassle.

    (BTW I got the stuff - I went and drew cash to pay for it whilst the nice lady held onto my purchases for me - 3 s/s shirts, a pair of shorts, 3 pairs of shoes and a pair of flip flops for 21.50 )
    Tesco CC 020718: 3502.86/030718: 3348.02 0.14%
    Surveys cashed 4.84/cleared 24.17/pending 4.87... (plus 500 YouGov points...)
    Don't give in; Don't you dare quit so easy
    Give all; That you got on the soul
    Snow Patrol. 'Don't give in'. 21.3.18
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

120Posts Today

1,283Users online

Martin's Twitter