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  • FIRST POST
    • Sun Addict
    • By Sun Addict 8th Mar 13, 8:30 AM
    • 5,836Posts
    • 38,553Thanks
    Sun Addict
    Looking for the silver lining
    • #1
    • 8th Mar 13, 8:30 AM
    Looking for the silver lining 8th Mar 13 at 8:30 AM
    Well I'm back! After clearing my debt in 2010 and staying debt free for a couple of years I'm now back to square one. Mainly due to OH's work being so erratic (he is a sub contractor in the building trade). He has weeks at a time with no work and when he does get work the pays not great - but anything is better than nothing. My wages cover the bills and food thankfully but nothing else.

    Anyway a combination of OH not bringing much in and not budgeting properly has led to me building up credit card debt again (thankfully at 0%) of £5368.95

    I have realised that the only way to stay on top of things is to stick to a budget. What we were doing before is spending the money before we had it on a credit card and then clearing it at the end of the month. But OH can be at work one day and laid off the next so we didn't always have the money to cover what we'd spent and this is where we have been going wrong and how the debt has built up again by me having to transfer it to a 0% card.

    What's happening now is I'm trying to stay on top of things by having a "pot" of money in my monthly budget and sticking to that. Once I have cracked this then it should be easy to stay out of debt when it's paid off.

    At the end of the month whatever OH has earned is split as follows:

    50% is for petrol, OH's work expenses/mobile phone, and anything else we need that month

    25% is for holidays (I know we shouldn't be having holidays whilst in debt but they keep us smiling through the uncertainty)

    25% is for paying off the debt and when this is paid off this will become savings.

    So far I've stuck to this for two months. It's hard at times but this is the only way to do it. Should OH not bring anything in one month then I'm afraid we'll have to dip into what little savings we have in our emergency fund. BUT NO MORE ADDING TO THE DEBT!!!

    Currently the debt is split between two cards:

    Barclaycard £1800 0% until September 2013 -so this must be paid off first

    Halifax £3568.95 0% until 2015 - so a bit more breathing space on this one but still want it paid off asap.

    I'm doing the grocery challenge and the virtual sealed pot and doing well with this. The VSP will pay for Christmas.

    Decided to do a new diary as it helped so much last time - so here I go again on my second debt-free journey. Determined this will be the last time.
    Virtual Sealed Pot 2018 £296.07
    Debt £2400
    June 4 NSDs 4 AFDs
    Weight loss 0.5/6LBS
    Emergency Fund £2000/£10,000
Page 266
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 9th Jan 18, 7:50 PM
    • 4,426 Posts
    • 30,694 Thanks
    HairyHandofDartmoor
    You're doing well SA, you'll soon shift the pounds at this rate .
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    "Tough times never last, but tough people do" - Robert H Schuller
    • Seasidegal58
    • By Seasidegal58 9th Jan 18, 8:06 PM
    • 1,980 Posts
    • 12,242 Thanks
    Seasidegal58
    Well done on the eating and fitness. You’ll have lost more than 1lb at this rate when you go for your weigh-in

    P.S. Dont forget that you have to fit in at least an hour’s ice skating this week.
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 20/05/2018: £646.59
    MONTHS TO RETIREMENT: 35!
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    • beanielou
    • By beanielou 9th Jan 18, 9:25 PM
    • 55,020 Posts
    • 219,759 Thanks
    beanielou
    Will hang on to it til you get it.
    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.
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 9th Jan 18, 9:28 PM
    • 4,426 Posts
    • 30,694 Thanks
    HairyHandofDartmoor

    P.S. Dont forget that you have to fit in at least an hour’s ice skating this week.
    Originally posted by Seasidegal58
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    "Tough times never last, but tough people do" - Robert H Schuller
    • Sun Addict
    • By Sun Addict 9th Jan 18, 9:32 PM
    • 5,836 Posts
    • 38,553 Thanks
    Sun Addict
    Thanks Beanie xx

    SSG

    Actually I did use to ice skate regularly when I was younger, nothing fantastic but I enjoyed it. No chance whatsoever of resurrecting this activity though
    Virtual Sealed Pot 2018 £296.07
    Debt £2400
    June 4 NSDs 4 AFDs
    Weight loss 0.5/6LBS
    Emergency Fund £2000/£10,000
    • WannabeFree
    • By WannabeFree 9th Jan 18, 9:41 PM
    • 1,616 Posts
    • 14,108 Thanks
    WannabeFree
    You're doing well SA

    MSP - My secret pot Never mind sealed
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • milann
    • By milann 10th Jan 18, 10:49 AM
    • 1,732 Posts
    • 8,079 Thanks
    milann
    SA you are an inspiration. I've planned next weeks meals after your impressive list.
    Have you bought your ice skates yet- I've only ever been ice skating once when I first started going out with dh when I was 19....I went over on my backside - a skater jumped over me whilst I was on the floor. 3 months of work with a fracture in the base of my spine.....I've never had the urge to go again can't think why
    • JWPopps
    • By JWPopps 10th Jan 18, 12:16 PM
    • 328 Posts
    • 1,737 Thanks
    JWPopps
    Hi SA,

    Looks like you've got a plan for the week sorted! I'm impressed... I really need to start doing the same, and you've really inspired me because that menu plan looks so delicious!!
    Mortgage: £86,182.17
    Credit Card Debt: £1,702.42
    Loan Debt: £5,306.47
    Savings: £600.00


    • Seasidegal58
    • By Seasidegal58 10th Jan 18, 7:35 PM
    • 1,980 Posts
    • 12,242 Thanks
    Seasidegal58
    Thanks Beanie xx

    SSG

    Actually I did use to ice skate regularly when I was younger, nothing fantastic but I enjoyed it. No chance whatsoever of resurrecting this activity though
    Originally posted by Sun Addict
    Pretty impressed that you can ice skate though - always wanted to do it as a kid but no ice rink near where I lived. Now I’m afraid the time has passed.........
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 20/05/2018: £646.59
    MONTHS TO RETIREMENT: 35!
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    • Sun Addict
    • By Sun Addict 10th Jan 18, 7:40 PM
    • 5,836 Posts
    • 38,553 Thanks
    Sun Addict
    All the meals have been lovely so far. The soup was a WW recipe I hadn't tried before and it's gorgeous.

    I'm not doing an AFD today, I've been resisting the bit of wine in the fridge left over from the weekend, just enough for a glass, but tonight I've got enough points left to enjoy it while I'm watching Girlfriends

    Went to the gym at lunchtime 2/3 sessions so far this week

    Can't believe I've got a sore throat and the snuffles again, only just got rid of the last cold. I blame it on Mr SA coughing and sneezing all over.

    Despite the sore throat, I'm feeling much more positive now after the slight technical hitch last week
    Virtual Sealed Pot 2018 £296.07
    Debt £2400
    June 4 NSDs 4 AFDs
    Weight loss 0.5/6LBS
    Emergency Fund £2000/£10,000
    • Cumbria lass
    • By Cumbria lass 10th Jan 18, 7:43 PM
    • 1,907 Posts
    • 11,562 Thanks
    Cumbria lass
    SA well done on gym sessions, I have done 3 this week and can hardly move.

    Thanks for the cauliflower rice tip at Iceland . £2.00 for 4 , great price.
    CC1 £3475 May 2018
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 10th Jan 18, 7:50 PM
    • 4,426 Posts
    • 30,694 Thanks
    HairyHandofDartmoor
    You're doing well SA on your meals and gym sessions .

    I used to ice skate in my school holidays with my best friend as a child. Just skating around the rink, no pirouettes or jumps or anything fancy but haven't done it since I met DH for some reason . My best friend's mum broke her arm the first time she tried it
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    "Tough times never last, but tough people do" - Robert H Schuller
    • Sun Addict
    • By Sun Addict 10th Jan 18, 8:04 PM
    • 5,836 Posts
    • 38,553 Thanks
    Sun Addict
    The cauli rice is amazing Cumbria Lass, it's got the consistency of real rice, so easy to cook and even tastes nice on its own.
    Virtual Sealed Pot 2018 £296.07
    Debt £2400
    June 4 NSDs 4 AFDs
    Weight loss 0.5/6LBS
    Emergency Fund £2000/£10,000
    • Seasidegal58
    • By Seasidegal58 10th Jan 18, 8:28 PM
    • 1,980 Posts
    • 12,242 Thanks
    Seasidegal58
    Hope the snuffles pass SA.

    I’m get quite excited about the Iceland cauli rice - can’t wait to try it!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 20/05/2018: £646.59
    MONTHS TO RETIREMENT: 35!
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    • beanielou
    • By beanielou 10th Jan 18, 9:25 PM
    • 55,020 Posts
    • 219,759 Thanks
    beanielou
    I like Girlfriends
    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.
    • WannabeFree
    • By WannabeFree 10th Jan 18, 9:30 PM
    • 1,616 Posts
    • 14,108 Thanks
    WannabeFree
    Enjoy the wine SA

    You sound very organised x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • joeyjimbles
    • By joeyjimbles 10th Jan 18, 10:53 PM
    • 1,587 Posts
    • 8,638 Thanks
    joeyjimbles
    Can't ice skate - can roller skate and do inline skating but once on ice I just become wobbly legged.
    Second the Iceland cauli rice tho it is quite easy to make from scratch if you have a good firm cauli and a decent processor. I think the faster the better. It will even freeze relatively well too, though not as well as the processed versions sadly.
    • Sun Addict
    • By Sun Addict 12th Jan 18, 8:38 PM
    • 5,836 Posts
    • 38,553 Thanks
    Sun Addict
    Happy Friday everyone

    Full working week survived Just.

    Chaos at work today, the train station was on fire and all trains cancelled. Bearing in mind 50% of people at work get the train it was very quiet today as a lot of them live too far away. Our offices are very close to the train station so the smell of smoke was everywhere even in my hair.

    In other news went to pub at lunchtime with work friend for a glass of wine. Should've been going to the gym but a good natter and a glass of wine is better for the soul

    Still full of cold

    The WW booklet arrived from the Mail

    DD's birthday today - 31
    Virtual Sealed Pot 2018 £296.07
    Debt £2400
    June 4 NSDs 4 AFDs
    Weight loss 0.5/6LBS
    Emergency Fund £2000/£10,000
    • mummytogirls
    • By mummytogirls 12th Jan 18, 8:41 PM
    • 6,183 Posts
    • 22,713 Thanks
    mummytogirls
    Sounds like an eventful day round your end SA!!

    Lunchtime drink and natter sound good

    Do you ever wonder how your children ended up in their 30's? I do this and mine are only 11 and 9 (on Monday!), I can't imagine them being 30! xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £5419.83 - 08/04/18 - 76.61% paid off
    • Sun Addict
    • By Sun Addict 12th Jan 18, 8:46 PM
    • 5,836 Posts
    • 38,553 Thanks
    Sun Addict
    Hi MTG - I keep telling them they're nearly as old as me Surprising how quick it goes, make the most of it xx
    Virtual Sealed Pot 2018 £296.07
    Debt £2400
    June 4 NSDs 4 AFDs
    Weight loss 0.5/6LBS
    Emergency Fund £2000/£10,000
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