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  • FIRST POST
    • natsplatnat
    • By natsplatnat 4th Jul 14, 10:31 AM
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    natsplatnat
    My Diary v3.0
    • #1
    • 4th Jul 14, 10:31 AM
    My Diary v3.0 4th Jul 14 at 10:31 AM
    Hi All!!

    Well, here it is... "My Diary v3.0"

    My previous diaries (don't panic, there are only 2!) can be found here....

    http://forums.moneysavingexpert.com/showthread.php?t=1303349&highlight=

    http://forums.moneysavingexpert.com/showthread.php?t=2961314


    Today, my signature looks like this...

    LBM ,- Wed 19th Nov 2008 £19,225
    JAN 11: ONLY 170 0X £100 PAYMENTS TO GO *bank of OH @ 0%*
    *A WORK IN PROGRESS!*
    *2014 cashback pending £78.98, PAID £138.35*
    (2011=£137.30, 12=£66.39. 13=£102.61)
    Iceland fund £458.12/ 1000 EBAY £205.50

    And I should be jumping up and down with joy as it shows that I have made my last payment of 170 x £100 to my darling OH (he lent me the money interest free to clear my debts!!).

    But.... actually, that should be But (coz its a big but) here I am starting a new diary on the DFW diary forum.

    And that is because over the duration of my last diary (starting November 2011) I have re-borrowed £6862.26 from my darling OH! To be honest, he is sooo useless with money, that I could tell him tonight that I made my last payment to him today and he wouldn't have a clue whether that was right or not! (But he does know I have re-borrowed this amount.)

    But that is not an option. Bless him, he even said a few months ago that I don't need to pay him back any more. But, this is my debt, I spent the money, and I will repay it... in full!

    So, I am going to continue doing what I have been doing. Repaying £100 a week for the next 69 weeks. By my reckoning that puts my last (and I do mean last) payment as the 30th October 2015!!! GULP!

    I do have a little plan though (from my previous diaries, you will note that I like a plan!). I am currently setting aside money for a trip to Iceland next year for OH's 50th birthday. £10 a week as a definite, an extra £10 a month from the reduction in my car insurance premium, all cashback earned and some account rounding-down. Target for this is £1000 by December. I am pretty much on track for this.

    So, once this is done I am going to keep setting this money aside to bring my debt-free date forward. Minimum £10 a week, starting next year!

    Oh, and I still running several spreadsheets! I honestly could not live without them!

    So, there is my sin confessed - you have got me for a bit longer!

    Feel free to pop in and keep me company! Nats x
    Last edited by natsplatnat; 02-10-2015 at 9:28 AM.
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2018 cashback pending £99.80, paid £??*


Page 28
    • natsplatnat
    • By natsplatnat 16th Nov 17, 5:41 PM
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    natsplatnat
    Grrr - soooo annoyed.


    I am away from home house-sitting and I after telling OH about the CC bill, I messaged him with the figure AND reminded him. 3 days after it was due, he (almost cheerfully) tells me via video chat that he hasn't paid it as he has no money!! Not impressed at all! At least I paid my section. I am waiting for him to tell me where his money has gone!!
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2018 cashback pending £99.80, paid £??*


    • camz2017
    • By camz2017 17th Nov 17, 12:18 AM
    • 347 Posts
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    camz2017
    To ensure a good credit, anything with your name on it should leave via Direct Debit (even if joint). I personally would get anything Joint paid off, and then focus on your own debts, and own finances. You cannot control someone else, only point them in the right direction.

    Best of luck ps subscribed!
    • natsplatnat
    • By natsplatnat 17th Nov 17, 8:21 AM
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    natsplatnat
    Hi camz,
    thanks for popping by and subscribing - I forgot to add in my post that I have paid OH's share of the CC bill, so we are all square and he now owes me.
    Luckily, our monthly CC bill is all we have debtwise (well, excluding my car finance which I am working on paying off early) and it is always paid in full each month. It was just annoying that he didn't tell me he hadn't paid it until it was 3 days late! Oh well, lesson learned!
    I am soooo glad it is Friday. Work has been pretty full on this week and I am away from home, missing OH (despite his CC failure!). But we are both out for dinner tonight with my parentals and then we are visiting OH's sisters family tomorrow. Need to be back to the house I am sitting late afternoon. There are fireworks locally tomorrow evening and will need to be out walking with the dog whilst they are going on... if we stay in the poor dog goes mad!
    Sunday, I would really like a very chilled day.... kicking off with a good old fashioned Sunday morning lay-in!
    Surveys have been really slow recently... especially Pro.Ac Nothing added to my car fund lately - the money from house-sitting will be going in there though!
    Catch you all later!
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2018 cashback pending £99.80, paid £??*


    • natsplatnat
    • By natsplatnat 1st Dec 17, 12:16 PM
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    natsplatnat
    Using my last 1/2 days leave this afternoon to go birthday and festive shopping. Almost wish I was staying at work ... it is cold and very wet out there!
    Catch you all next week! x
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2018 cashback pending £99.80, paid £??*


    • natsplatnat
    • By natsplatnat 5th Dec 17, 2:16 PM
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    natsplatnat
    House-sitting money received and moved over to my car loan fund. Over 2 months worth of payments in there now. I will clear it sooner, I will!


    Festive shopping under way - really struggling more than usual to get into it this year. On the upside we appear have less people than any previous year to buy for.
    Pro.Ac still soooo slow - not a single survey for weeks now! Grrr.
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2018 cashback pending £99.80, paid £??*


    • camz2017
    • By camz2017 5th Dec 17, 2:17 PM
    • 347 Posts
    • 594 Thanks
    camz2017
    Hope you got everything you needed. Happy new week

    Iíve headed up to ikea, I finish for Christmas on Friday and Iím trying to avoid the office until then. Drove to my client site this morning and came back home midday. Just bought a £5 lamp in ikea as my bedroom has no ceiling lights and just lamps and itís like being in a cave. Went to B&M for some 100 watt crazy bright bulbs.
    • camz2017
    • By camz2017 5th Dec 17, 2:19 PM
    • 347 Posts
    • 594 Thanks
    camz2017
    Imagine how good it will feel when you own the car!

    Festive shopping wise just get it all online - thatís what I do

    I can only get into buying stuff for myself hahahaa. Just kidding
    • natsplatnat
    • By natsplatnat 8th Dec 17, 2:12 PM
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    natsplatnat
    Well, the present buying is progressing... looking back at shopping history I usually fall into buying presents for people in a certain order (not sure why, it just seems to be that way). This year, the order is completely different (for some unknown reason) and I am a bit worried I am kidding myself and there's more to do than I think.... time for a list over the weekend me thinks!
    Saying that, I did manage to buy myself a new dress; must have picked the only one that wasn't reduced!! Doh!!
    House-sitting this evening, then work tomorrow followed by a hair appointment. Out in the evening for a 'Christmas party' held by one of OH's suppliers. Should only be the cost of a few drinks and another couple are driving us there and back saving on a taxi! Looks like I will be heading back into town on Sunday for more present inspiration.
    Managed to write a bunch of cards last night so will need to get them posted next week along with some small gifts and a parcel to America.
    Somehow the house looks like a complete tip.. again!! I have no idea how it happens as we are both out the house for most of the day...but OH and DSS do have an inability to put stuff back where it came from. I'm hoping OH may do some tidying tonight whilst I am away... but I won't be holding my breath! He has been instructed to put the washing on though - which he will do!
    OH has received his ppi refund money from the loan ppi I complained about (not a massive amount, but better than nothing!) He will be transferring almost all of it to me to re-pay last months CC I paid for him... and the rest will go toward this months I'm sure! I have also submitted a plevin complaint on CC ppi that had been declined - should know about that by mid-Jan. OH doesn't know about this; thought it would be a nice surprise if it does pay out!! *good girlfriend points to be earned*
    So, that is me up to date again. No sign of snow down here... it's cold with a biting wind, but there is barely a cloud in the sky!
    Have a great weekend All! x
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2018 cashback pending £99.80, paid £??*


    • natsplatnat
    • By natsplatnat 12th Dec 17, 3:55 PM
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    natsplatnat
    Just updated all my spreadsheets (slow day at work) ... can now see everything right the way through to the end of Dec 2018 = 1 content Nats x
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2018 cashback pending £99.80, paid £??*


    • camz2017
    • By camz2017 13th Dec 17, 12:31 AM
    • 347 Posts
    • 594 Thanks
    camz2017
    Well done - keep it up
    BC 0/15305.83 MBNA: 0/11231.16 TESCO 0/822.87 LOAN 0/4272.67
    • natsplatnat
    • By natsplatnat 15th Dec 17, 10:40 AM
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    natsplatnat
    Sooo, I updated my spreadsheet (love it!) and now I will need to do it again... as I have a payrise!!! WHOOP WHOOP! 13.3% payrise! DOUBLE WHOOP WHOOP!
    This will be paid from Januarys pay. I have asked if I can take the increase in a split between straightforward pay, employer contribution to my pension and holiday. The answer was yes... so I will let them know how I would like it split! Time to put my thinking cap on and crunch some numbers!!
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2018 cashback pending £99.80, paid £??*


    • camz2017
    • By camz2017 15th Dec 17, 2:27 PM
    • 347 Posts
    • 594 Thanks
    camz2017
    Thatís absolutely brilliant news Iím super happy for you

    Thereís some great take home salary calculators

    This one I particularly like:
    https://m.thesalarycalculator.co.uk

    Hope youíre having a glass of wine to celebrate at least!
    BC 0/15305.83 MBNA: 0/11231.16 TESCO 0/822.87 LOAN 0/4272.67
    • natsplatnat
    • By natsplatnat 15th Dec 17, 3:49 PM
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    natsplatnat
    Ha ha! I literally wrote my post on here this morning, then scooted off to find a salary calculator!! Just waiting to hear about this years bonus now! lol (that's paid in Decembers wage!)

    There will be AT LEAST a glass of lovely chilled white wine consumed this evening... not too much though as I have loads to do this weekend; starting with taking the kittens to the vets (deep joy!).


    Catch you all Monday - have a great weekend All! x
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2018 cashback pending £99.80, paid £??*


    • EscapingTheAlarm
    • By EscapingTheAlarm 15th Dec 17, 7:30 PM
    • 102 Posts
    • 220 Thanks
    EscapingTheAlarm
    Well done on your pay rise! That's amazing news! Enjoy celebrating!
    ETA x
    • natsplatnat
    • By natsplatnat 2nd Jan 18, 12:33 PM
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    natsplatnat
    Good morning All - Happy New Year!!
    Well, where do I start? Not sure what there is to write, but here goes, in no particular order....
    • Kitties survived their first trip to the vets - OH taking them back this Sat for their booster. Then we can look at getting them spayed. Vet advised keeping them inside until they are 9 months old (currently 6.5 months) as this will mean they skip the age where they hone their hunting skills = less dead animals being brought in for us!
    • End of year work stocktake was successfully completed, Christmas meal attended - back at work for the first day today!
    • OH had flu from 20th Dec.... quiet Christmas all round.
    • Christmas bonus received - netted me about £700 after tax. All surplus money currently sat in my car fund - might need to use some for CC bill, but hey-ho!
    • Money from mum for xmas - paid into my car fund.
    • £10.80 tax rebate cheque received and banked in car fund.
    • Vouchers received for Christmas... safely in purse waiting to be spent.
    • Christmas done and dusted - went sales shopping and came home with only a bottle of Vodka!
    • Need to assess CC damage and move funds around to pay!
    • Keep an eye out for letter for OH's Plevin compensation.
    • Start house-sitting tomorrow for a week - money from that will go straight to car fund.
    Off the top of my head, that is it for now! I am sure more will come to mind as my brain gears up for the year ahead!


    Here's to a money making / saving year for us all! xxx
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2018 cashback pending £99.80, paid £??*


    • camz2017
    • By camz2017 2nd Jan 18, 3:39 PM
    • 347 Posts
    • 594 Thanks
    camz2017
    Happy new year Nats! If you can, put up some pics of the kittens. I love cats, follow far too many on instagram!
    BC 0/15305.83 MBNA: 0/11231.16 TESCO 0/822.87 LOAN 0/4272.67
    • natsplatnat
    • By natsplatnat 3rd Jan 18, 9:49 AM
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    natsplatnat
    Morning All! A bit on the windy side here this morning!

    House-sitting started - just been to feed the pooch and let him out (bonus that the house is only 1 min from work!)

    Okay, so on the money front, I have had a look around my Accounts and CC bill - and all is not too bad at all. I shouldn't have to dip into my car fund this month!

    Based on this.... here is Financial Plan for 2018 'Version 1'....
    • New pay should be in the region of + £220 / month.
    • Put £100 / month into car fund; my lovely spreadsheet tells me that doing this brings my loan end date forward to July this year! This is 9 months early & will also save interest = As of August I will then have + £214 / month to play with.
    • Put any "extra" money into car fund to bring forward loan end date... All cashback and house-sitting money etc
    • Up pension contribution this month and possibly again once car loan finished.
    • Continue to 'make my money work for me'! Simple things like clearing the CC in full on time each month so no interest accrues, maximizing cashback for 'essential' purchases, maximizing all interest earned on savings.
    So there you have it! A much shorter, simpler plan than many in the past!! lol. Kinda can't believe that come July I will be TOTALLY debt-free (despite having no debt other than my car loan since September 2015).


    Right, that's enough thinking from me for this morning, time to do some work! lol
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2018 cashback pending £99.80, paid £??*


    • natsplatnat
    • By natsplatnat 3rd Jan 18, 11:49 AM
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    natsplatnat
    Me again!
    Have done a bit of work, but have also been playing with my spreadsheet!
    It looks as though I should be able to bring my loan end date forward by another 2 months by using money that will have built up in another account!
    I could clear it even quicker if I were to use my emergency fund... but then I wouldn't have an emergency fund and this really isn't an emergency!!
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2018 cashback pending £99.80, paid £??*


    • natsplatnat
    • By natsplatnat 4th Jan 18, 8:30 AM
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    natsplatnat
    UPDATE.... here is Financial Plan for 2018 'Version 1.1'....
    • New pay should be in the region of + £220 / month.
    • Put £100 / month into car fund; my lovely spreadsheet tells me that doing this brings my loan end date forward to July this year! This is 9 months early & will also save interest = As of August I will then have + £214 / month to play with. Having fully updated my spreadsheet my new target is to clear my car in April!
    • Put any "extra" money into car fund to bring forward loan end date... All cashback and house-sitting money etc
    • Up pension contribution this month and possibly again once car loan finished. Contributions automatically increase in April... Will leave this alone until then as I can see it going wrong otherwise... will divert Jan /Feb / March pension increase into the car fund.
    • Continue to 'make my money work for me'! Simple things like clearing the CC in full on time each month so no interest accrues, maximizing cashback for 'essential' purchases, maximizing all interest earned on savings.
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2018 cashback pending £99.80, paid £??*


    • natsplatnat
    • By natsplatnat 4th Jan 18, 5:44 PM
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    natsplatnat
    So.... it turns out the Pro.Ac put a 'hold' on my account for no known reason. It was the tiniest of notifications on the screen meaning I just hadn't seen it and thought there were no surveys. All resolved now and a survey for 35p completed today! "I'll be rich I tell you, rich!" lol
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2018 cashback pending £99.80, paid £??*


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