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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*


Page 34
    • kdalwayskint
    • By kdalwayskint 30th Apr 18, 12:44 PM
    • 580 Posts
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    kdalwayskint
    Hey!

    I tried my dress on one day last week. I've worked out, I think, that it's possibly my shoulders are too wide! Going to give it a few months and try it again. I have a couple of options should I find I need to alter the dress and not have to alter me! I'm confident enough to do it myself too, so no extra cost to be had

    Having a rough time with sciatica at the moment been off work for 2 weeks with it and been to a chiropractor a few times, which is not very mse!

    I don't think I'll be putting any extra in the WF this month, but regular amount to go in tomorrow will bring it up to £500
    Saving for Christmas 2018 ~ £287.46/£365
    Wedding Fund £1500/£1500
    Car Fund £108.60/£5000 ~ Bank of Mum £5000/£5000 done
    DFW Nerd #1155
    LBM 25/2/09 Debt at highest £8,037.35 now £0
    Credit Card £2000/£2500
    • natsplatnat
    • By natsplatnat 30th Apr 18, 1:33 PM
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    natsplatnat
    I've worked out, I think, that it's possibly my shoulders are too wide! I have a couple of options should I find I need to alter the dress and not have to alter me!
    Originally posted by kdalwayskint

    I am wondering how you would alter your shoulders!??!!!
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*


    • kdalwayskint
    • By kdalwayskint 3rd May 18, 8:57 AM
    • 580 Posts
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    kdalwayskint
    I'm hoping that by slimming a bit I will lose a few cm all over!

    Failing that I can alter the dess by:
    *Altering the shoulders in the dress, which I will try first
    *Let it out a bit under the armpit, which may help if I do the shoulders too
    *If the first two options don't work I will remove the section, changing the dress from a scoop neckline to a sweetheart neckline.

    Fingers crossed losing a little weight and the first option will work as I really like it how it is.

    I'm still off work at the moment over the years I've been able to buildup my rent account so that I have a couple of months already paid for, I contacted the council yesterday to double check my balance and advise that I will be holding my next payment and they were fine with that as it is so far in advance, yay me for that forward thinking
    Saving for Christmas 2018 ~ £287.46/£365
    Wedding Fund £1500/£1500
    Car Fund £108.60/£5000 ~ Bank of Mum £5000/£5000 done
    DFW Nerd #1155
    LBM 25/2/09 Debt at highest £8,037.35 now £0
    Credit Card £2000/£2500
    • natsplatnat
    • By natsplatnat 3rd May 18, 2:10 PM
    • 2,877 Posts
    • 2,612 Thanks
    natsplatnat
    Hey KD! Sorry to hear you are still suffering. Fingers-crossed it eases soon!


    I have just been reading through your wedding thread! Just a thought on your shoes... have you looked at Ruby Shoes? They are beautiful like Irregular Choice but not as expensive (and tend to have decent width heels)!!!


    I am currently hunting for shoes and a bag to do with the dress I have bought for my brothers wedding in 3 weeks! EEK!
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*


    • kdalwayskint
    • By kdalwayskint 4th May 18, 8:57 AM
    • 580 Posts
    • 1,702 Thanks
    kdalwayskint
    Hey! Yes I have looked at Ruby, I love them! I prefer them to Irregular if I'm honest. I have seen a pair of Ruby's that I may go for if not it will be Jo Brown similar style to Ruby but white, pink and blue they are called Isabella.

    I know that Jo and Ruby do matching shoes and bags, hope you find some let me know which ones when you do x
    Saving for Christmas 2018 ~ £287.46/£365
    Wedding Fund £1500/£1500
    Car Fund £108.60/£5000 ~ Bank of Mum £5000/£5000 done
    DFW Nerd #1155
    LBM 25/2/09 Debt at highest £8,037.35 now £0
    Credit Card £2000/£2500
    • natsplatnat
    • By natsplatnat 4th May 18, 10:57 AM
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    natsplatnat
    Hi KD! I have just looked at those Joe Brown shoes - they are lurrvley!


    I need shoes that have at least a 4.5" heel as my dress is a bit longer than I was hoping for and being a chiffon overlay I don't want to start altering it! Oh and my shoes and bag need to be either a taupe or dusky pink colour to bring out some of the colours in my dress! Not set myself much of a challenge have I?? lol. OH suggested I went dark green to match the most miniscule fleck in my dress.... how about NO!!
    Hope your back is starting to ease and you have a great (and MSE) bank holiday weekend! x
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*


    • natsplatnat
    • By natsplatnat 11th May 18, 9:58 AM
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    natsplatnat
    Hi All!


    Well I survived 2 whole days of decorating over the bank holiday weekend. Just! DSS's bedroom is now transformed, just waiting for a new mattress to arrive and he is done.
    I have decided that I am not doing any more decorating. I will quite happily pay someone a fair price to do our landing, stairs and hallway. Life is just too short and as long as the price is reasonable it will be worth it for my sanity.
    Great news on the handbag and shoe front. All ordered - one of my favourite sites had an extra 30% off so they are ordered and should arrive early next week (which leaves me time to shop again if they are not quite right.... but the shoes are lovely so I may just keep them anyway... there is no such thing as too many pairs of shoes.. right?)
    Had a total meltdown at home last night with DSS and OH. I had left the house at 07:30 and got home at 19:15 (after another horrendous day at work) and I had the recycling to put out, the washing up to put away and more to wash up, the post to pick up off the mat by the front door, open the lounge curtains, feed the cats, change the litter tray and put a load of washing on... before even thinking about dinner! DSS had been home from college since around 4pm and OH had decided to pop to the pub for a 'de-stressing' pint on his way home, so he got home later than me. Now I do not think it unreasonable to expect a 16yo to do stuff round the house - to be fair, on the days he doesn't go to college the washing up / recycling etc does get done... but why shouldn't he do it on a college day? OH had asked if I wanted to join him at the pub, but 1) I wont drink n drive at all, and 2) there is stuff that needs to be done at home... so I declined. DSS appeared from his room around 8pm and asked what was for dinner (Grrr), decided he couldn't wait to have what we were having (which was going to be later than planned due to all the stuff I had to do before doing dinner). I then had to talk him through cooking his own tuna pasta (for about the 20th time). All I wanted to do was sit and pay the CC, order my shoes and handbag, eat dinner and go to bed. DSS then decides (having eaten his dinner) he would like 1 of our sausages and a couple of our chips. He wasn't impressed when I pointed out that this was our dinner and he had made the decision to eat something different so I really couldn't see why he should expect any our the food I had cooked for OH and I! Anyway, it all escalated into full blown tears on my part and a full on rant about how I seem to be the only one who (especially yesterday) had done anything at all for the good of the household and yes, I would have loved to have gone for a 'de-stressing' drink too, because yes, I had a carp day too, but all the stuff that I did when I got in would then have been done even later etc, etc, etc.
    It will be interesting to see what happens today! It is virtually unheard of for me to lose my temper / end up in tears so maybe this will have shocked them a little. We'll see.


    Not much planned for the weekend, need to sort a shirt for OH to wear to the wedding in 2 weeks.... might just send him off on his own for that and have some quiet time to myself! lol


    Oh, I have booked to have my nails done for the wedding too. Usually paint them myself, but thought b*gger it, I am going to treat myself. My nails are naturally long and strong so although I was hankering after funky acrylics, they said there is no point in cutting my nails off to add false ones. I can see their logic, so its just a gel polish for me.
    I have also booked my hair appointment - just need to dye my hair before hand at home. I am hopefully going to look wonderful! lol


    Right, it's Friday and as I really don't want to be working late tonight I suppose I should do some work!


    Have a great weekend all. xxx
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*


    • natsplatnat
    • By natsplatnat 17th May 18, 11:42 AM
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    natsplatnat
    Dear diary.... I have been spendy! EEK!

    I ordered my shoes and a bag for the wedding. Shoes are gorg-e-ous… bag is hideous. Decided I actually preferred my shoes to the dress, so yesterday I returned my dress and the bag (colour was vastly different to that shown online - on multiple sites). That left me with just shoes to wear to my brothers wedding... not a good look on anyone, let alone me! lol. So.… I ordered a new dress. And it wasn't cheap! I actually felt a bit sick at the thought of paying for it. It is due to turn up today. If I don't think it is worth the money or it just doesn't work for me, it will be returned tomorrow. I went through a whole 'justification' processes for buying it... getting 20% cashback helped; I also only spent £18 on a dress for a wedding last year!!! It's all about balance right? Saying that, I am still torn between wanting it to be perfectly gorgeous so I keep it, and it being not right and happy to return it. Keeping it would save me the stress of having to find another one this weekend! oh, and need the dress before I get my nails done. I have a bit of a coordination thing! If I keep the dress I need to find a bag! It feels never-ending! lol


    Life at home is all calm now, and things around the house are getting done, which is nice. It is amazing how much un-stressed I am when I feel everyone is chipping in!


    Have decided to buy my brother and SIL a voucher for the wedding present. I can order it online and have it sent to me by email. I am going to do this next week as it will then fall into the following months CC bill. I know it all has to be paid for, but if I can spread purchases out a bit I feel better.


    OH still needs a shirt - we can work on that this weekend.


    We are away tomorrow night, just for the night. Friends of ours have rented a cottage about half an hour away for the week and we are joining them for their last night. Just need some drinks as they are cooking, so a low spend!


    Looking ahead for the rest of the year... vague plans look like this...
    June - sort new shed for garden; includes sorting through and getting rid of old shed. I am house-sitting for a week too. We have a family members 70th birthday party to attend and there's fathers day too.
    July - holiday. There is money in the holiday fund to cover a chunk of this. Been trying to convince OH that as we are taking DSS with us, we could just do a cheeky week and then we can have a week away on our own later in the year! Work in progress but we do need to get it booked soon.
    August - We still 'owe' ourselves the weekend away we agreed on for our birthdays (back in Feb and March). Need to keep an eye on hotel prices and then get this booked in. I think the car insurances are due this month.
    September - We have another wedding to go to (won't be stressing about what to wear for this one; very informal and no-one there will have seen any dress I own, so one will be coming out the wardrobe for that!!) My brothers 30th birthday is this month = present and family meal out.
    October - ?
    November - ?
    December - OH car MOT + Christmas.


    And there's the year gone! And a load of money! lol Surveys will be completed and everything bought as cost effectively as possible with cashback wherever appropriate!


    Ok, so that is me up to date. I hope everyone is well and life is treating you pretty fairly! Nats x
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*


    • kdalwayskint
    • By kdalwayskint 19th May 18, 2:02 PM
    • 580 Posts
    • 1,702 Thanks
    kdalwayskint
    Hi Nats

    How did you get on with the dress?

    I'm still off work at the moment, finally got an appointment through to get checked out at the hospital but not until 5th June.

    Money is going to be tight the next couple of months so I'll have to get my mse head on!

    Did you watch Harry and Meghan?

    Catch you soon x
    Saving for Christmas 2018 ~ £287.46/£365
    Wedding Fund £1500/£1500
    Car Fund £108.60/£5000 ~ Bank of Mum £5000/£5000 done
    DFW Nerd #1155
    LBM 25/2/09 Debt at highest £8,037.35 now £0
    Credit Card £2000/£2500
    • kdalwayskint
    • By kdalwayskint 6th Jun 18, 9:41 AM
    • 580 Posts
    • 1,702 Thanks
    kdalwayskint
    Hey Nats, not heard from you for a while, I hope all is well my lovely x
    Saving for Christmas 2018 ~ £287.46/£365
    Wedding Fund £1500/£1500
    Car Fund £108.60/£5000 ~ Bank of Mum £5000/£5000 done
    DFW Nerd #1155
    LBM 25/2/09 Debt at highest £8,037.35 now £0
    Credit Card £2000/£2500
    • natsplatnat
    • By natsplatnat 12th Jun 18, 8:46 AM
    • 2,877 Posts
    • 2,612 Thanks
    natsplatnat
    Hi KD!


    Sorry I've been MIA! Everything here is good. Dress was lovely... have just paid that off this months CC statement. At least I had the refund from the first dress to put toward it!!


    I did watch the Royal wedding - thought it was lovely. Did you get any ideas for yours? How's the shoulder-reduction coming along?


    Nothing else to report... still no holiday booked - its all getting a bit stressful!! lol


    Catch you all later xxx
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*


    • Scott-Weiland
    • By Scott-Weiland 12th Jun 18, 10:06 AM
    • 288 Posts
    • 622 Thanks
    Scott-Weiland
    Does cams not post anymore Natsplanet
    Cashback Earnings Ish YTD £74.56 Survey Earnings YTD Ish £489.34
    "We are what we repeatedly do. Excellence then, is not an act, but a habit."
    Qmee £16.15 Since 3/11/2018
    • natsplatnat
    • By natsplatnat 12th Jun 18, 10:32 AM
    • 2,877 Posts
    • 2,612 Thanks
    natsplatnat
    Does cams not post anymore Natsplanet
    Originally posted by Scott-Weiland

    Not seen him around for a while!
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*


    • Scott-Weiland
    • By Scott-Weiland 13th Jun 18, 9:31 AM
    • 288 Posts
    • 622 Thanks
    Scott-Weiland
    hmmmmmm strange lad like any way.

    How is the debt busting going???
    Cashback Earnings Ish YTD £74.56 Survey Earnings YTD Ish £489.34
    "We are what we repeatedly do. Excellence then, is not an act, but a habit."
    Qmee £16.15 Since 3/11/2018
    • natsplatnat
    • By natsplatnat 14th Jun 18, 9:18 AM
    • 2,877 Posts
    • 2,612 Thanks
    natsplatnat
    Morning!


    SW - I am debt free! Still maximising earnings through cashback and surveys though - more a case of being money smart.... now my money is my own it has to work efficiently!!


    I have tidied my signature -just got rid of some of the unimportant / uninteresting figures such as historic cashback and clearing my student loan.


    Original plan for the month.....
    June - sort new shed for garden; includes sorting through and getting rid of old shed. I am house-sitting for a week too. We have a family members 70th birthday party to attend and there's fathers day too.
    The shed is just not going to happen this month - will probably slip into August as July is a bit busy. Still house-sitting. 70th party this Sat and fathers day Sunday. I have messaged DSS to see what he wants to do for OH on Sunday and if he has bought / is planning to buy a card or has a present idea. No answer. I have tried but will leave it to him. He has money and also his mother should be chasing him not me I feel!


    Right, eyes down at work! Catch you all later xxx
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*


    • natsplatnat
    • By natsplatnat 28th Jun 18, 10:27 AM
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    • 2,612 Thanks
    natsplatnat
    Oops - MIA since the 14th! Where does time go?


    Well, the good news is that today is payday - phase 1 money movement completed... phase 2 happens on the 9th.
    Need to get super organised this month as we are due to be away on holiday when the CC bill needs to be paid and phase 2 money movement needs to happen. I say 'due to be away' as we have the time booked off work and the cats booked into a cattery.... but we have nowhere to go yet... and we are due to go around the 7th July!! I'm sure it will all come good!
    Currently house sitting, so the money from that will go towards holiday spends.


    And that is me up to date I think... dull really!


    I'll be back when something interesting happens! x
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*


    • natsplatnat
    • By natsplatnat 28th Jun 18, 5:45 PM
    • 2,877 Posts
    • 2,612 Thanks
    natsplatnat
    Just withdrawn £41.35 from TCB.... happy days!


    Straight into the holiday fund! BOOM!
    Last edited by natsplatnat; 30-06-2018 at 9:02 AM. Reason: spelling
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*


    • kdalwayskint
    • By kdalwayskint 29th Jun 18, 10:53 PM
    • 580 Posts
    • 1,702 Thanks
    kdalwayskint
    Have you found a nice holiday yet Nats?

    I can get the dress done up now so I don't have to panic to much

    Not much to report on at the moment, other half wants me back to health before we do any more wedding planning, as I had 2 months off work I haven't put anything to my wedding fund this month.

    Catch you soon x
    Saving for Christmas 2018 ~ £287.46/£365
    Wedding Fund £1500/£1500
    Car Fund £108.60/£5000 ~ Bank of Mum £5000/£5000 done
    DFW Nerd #1155
    LBM 25/2/09 Debt at highest £8,037.35 now £0
    Credit Card £2000/£2500
    • natsplatnat
    • By natsplatnat 30th Jun 18, 9:04 AM
    • 2,877 Posts
    • 2,612 Thanks
    natsplatnat
    Hi KD! Erm!!!8230; still no holiday! Getting closer though! I should home so, this time next week we should be there... wherever that it!


    Great news on the dress! One thing less to stress about! Hope you are recovering steadily - wont be long until you are fighting fit and back to planning your wedding! x
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*


    • natsplatnat
    • By natsplatnat 30th Jul 18, 11:32 AM
    • 2,877 Posts
    • 2,612 Thanks
    natsplatnat
    Hi All!


    Wow - doesn't time fly??!


    Well, I am back from holiday - got there in the end!! We booked flights 6 sleeps before we went and the accommodation 3 sleeps before! Not doing that again - far too stressful for my liking... although we knew it would work out ok in the end! Had a lovely time away and even managed not to kill DSS!! The cattery and spends have been paid off. Spending money was done on a great foreign currency card but interest is applied daily. Need to go through the CC bill tonight and work out what's what. That's due for payment by around the 11th August. Not going to be pleasant reading that's for sure!
    Payday today! YAY! Money all moved as necessary.
    Still waiting for house-sitting money to be paid. Boo!


    I really don't know where July has gone! I do know that we made the most of the glorious weather and got out and about as much as we could = increased spends!!


    As usual, outline plans for the coming months have changed / just not happened. Here's how the next few months are (now) looking....


    August.
    OH needs 2 x tyres!
    Daytrip to London - will use Clubcard points to cover the train so will just be some spends + food.
    Possible trip to visit family in Plymouth - this may well replace our 'weekend away' plans as time and money are restrictive!
    40th birthday meal to attend - need card and present.
    1 other birthday - need card and present.
    2 x car insurances due - will look at single and combined policies as it does seem to vary year on year as to which one is the best value.
    Man is coming to take down a large bush / tree in our front garden. The landlord is paying for this but there will be some spends required to make the front garden look half decent!


    September.
    Wedding to attend.
    2 nights away with work. Need suitable evening attire. All other costs covered by work.
    Brothers 30th birthday. Need card and present and I'm guessing there will be a family meal etc.
    House-sitting for 10 days.
    Possible trip to see my dad who has just moved abroad. Was hoping to put this off until next year but no! Will need flights and spends (can stay with dad so that saves on that cost!)


    October.
    If not already sorted we must get a new shed in this month. The old one simply will not survive the winter!!
    We still need decorating done and new carpets. I am literally sick of the sight of the whole of our downstairs. Really not sure where we can squeeze it in... either in terms of time or money - I'm hopeful we can find a way though.




    I think I need to create a weekly 'job list' for home. We need to be more time savvy! There are LOADS of little jobs that need doing that just get pushed back and back and back and most eventually get completely overlooked. Maybe if I make a list of little bits, then we can pick and choose 1 thing each evening. Even if it is tidy one drawer / cupboard etc it would be something! Hoping to capitalise on the cooler weather this week as OH hates being inside when the sun is out!




    I hope everyone is well!! ?


    xxx
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*


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