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    • Lucifa73
    • By Lucifa73 6th Apr 10, 10:32 PM
    • 7,553Posts
    • 10,004Thanks
    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.
    16.1.19/14.1.19: T MC 168/3629.26 : VM 0/13876.59 : W 0/1400 = 0/18905.85 =0.89%
    SPC 2019 #073



Page 19
    • katsu
    • By katsu 28th Dec 18, 5:59 PM
    • 4,385 Posts
    • 13,801 Thanks
    katsu
    'Grats on the new job Luc. Definitely worth a new notebook
    Debt at highest: 8k Debt Free 31/12/2009 (nine years and counting ) Original MFD: May 2036. MF Dec 2018
    • Lucifa73
    • By Lucifa73 7th Jan 19, 2:07 PM
    • 7,553 Posts
    • 10,004 Thanks
    Lucifa73
    Helloooo! Happy New Year to lurkers and posters alike.

    I had a GREAT couple of weeks off - we ate, drank, played and partied and I am lighter and slimmer than when I started! Not sure how that works... I did find I didn't want much of anything too sweet or heavy and kept leaving food on my plate which is worryingly self controlled and grown up now I think about it.

    Never one to let an opportunity pass, I am now taking advantage of this momentum and getting back into running and lifting. This morning's alarm at 5am was not thrown across the room and I managed a decent few kms before getting the kids up.

    The revamped gym in the garage is much more inviting (we opened it all back up - clever Hubbles reused all the materials from the original partition to box in the garage door so it only cost us a few cheap kitchen units and a basic black work surface) and I can't wait to get in there tomorrow morning.

    I want to lose c10kg by my birthday (which was 6 months away when I started back to training on Saturday) but I am not that worried about weight if I feel stronger and my clothes look better. I shall be continuing the low/no sugar rules I was on at the end of last year as my normal eating rules, though I will relax them for high days and holidays.

    Finances continue to progress. Shuffled a couple 0% cards around before expiry dates, paid cash for ALL of Xmas and continue to YNAB with zeal. I need to regroup and update my signature sooner rather than later...

    Hope you are all as excited about 2019 as I am!
    Luc x
    16.1.19/14.1.19: T MC 168/3629.26 : VM 0/13876.59 : W 0/1400 = 0/18905.85 =0.89%
    SPC 2019 #073



    • Dolly Rocker
    • By Dolly Rocker 7th Jan 19, 2:56 PM
    • 4,403 Posts
    • 13,005 Thanks
    Dolly Rocker
    Go you!!!

    Dxxx
    Debt Free 2018 12754.09 - PIF 30.11.18
    Goal Weight in 2019 28lbs/91lbs
    SPC#13 130.50

    My Home Fund 531.00
    15.01.19 - 2 Nationwide Referrals available, PM me for 100 to switch accounts
    • beanielou
    • By beanielou 7th Jan 19, 6:06 PM
    • 60,094 Posts
    • 252,341 Thanks
    beanielou
    Go girl
    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.***
    • Lucifa73
    • By Lucifa73 10th Jan 19, 12:03 PM
    • 7,553 Posts
    • 10,004 Thanks
    Lucifa73
    Not much to report here. Payday tomorrow so will be able to play with YNAB. Sadly it won't take long though. I will get a second shot next week when Hubbles gets paid though

    Plans for the weekend include driving lessons and a major tidy of the study/dumping ground triggered in part by the need to find my certificates for the screening by new employer. This will involve completely emptying the space, trying to arrange furniture we don't really want in a way that maximises space and then putting everything back minus the carp. I will be back to work on Monday for a rest!
    16.1.19/14.1.19: T MC 168/3629.26 : VM 0/13876.59 : W 0/1400 = 0/18905.85 =0.89%
    SPC 2019 #073



    • Starmummy
    • By Starmummy 10th Jan 19, 1:45 PM
    • 311 Posts
    • 1,468 Thanks
    Starmummy
    well done on everything. New job, focused healthy you and a cash Christmas.

    That's amazing work

    SM
    x
    debt consolidated 16/8/18 12,606.83/12,618.12 (Total debt at LBM 1st Jan '18 c..19.5k)
    EF savings 850.08 Holiday Savings 350.02 House Deposit (LISA) 631.25/12,000 5%
    • lonelyrat
    • By lonelyrat 13th Jan 19, 10:44 AM
    • 541 Posts
    • 1,525 Thanks
    lonelyrat
    We ate, drank, played and partied and I am lighter and slimmer than when I started!
    Wish I could say that too I ate, drank, played and partied and now resemble a ball Quit the gym as I wasn't going regularly enough to justify it, but will join one in England when we move down. Maybe give myself a month or two to get settled though before I commit It's going to get quite cold anyway apparently and my festive blubber may keep me warm haha!

    We will have a garage so maybe in time I could get some weights and do something similar to you!

    Fab news on the cash Christmas and moving things to 0%. Sounds like things are in control!

    When does the new job start?!
    Total Debt : ?? / 7266.93
    Weight Loss: ?? kg / 45kg
    • Lucifa73
    • By Lucifa73 14th Jan 19, 2:03 PM
    • 7,553 Posts
    • 10,004 Thanks
    Lucifa73


    I have a new diary over here: https://forums.moneysavingexpert.com/showthread.php?t=5950330


    16.1.19/14.1.19: T MC 168/3629.26 : VM 0/13876.59 : W 0/1400 = 0/18905.85 =0.89%
    SPC 2019 #073



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