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  • FIRST POST
    • AleMrsT
    • By AleMrsT 4th Nov 14, 12:03 PM
    • 565Posts
    • 1,401Thanks
    AleMrsT
    Mini meltdown and light bulb moment
    • #1
    • 4th Nov 14, 12:03 PM
    Mini meltdown and light bulb moment 4th Nov 14 at 12:03 PM
    Hi everyone,
    I posted on the forum yesterday and after some soul searching, I have contacted Step Change and am now in the initial stages of sorting a Debt Management Plan. The guy was really helpful, and said I am definitely taking the right steps for the circumstances, and I need to put me first.
    To get it all out in the open and off my chest is going to be the second box ticked on my 'getting my life on track' checklist.
    Number one was admitting that I cannot do this any more. I can't work full time any more, and I can't carry on getting in debt to pay debt.
    With my health deteriorating, I knew I needed to do something, but knew too that I just could not afford part time wages.
    I've figured it out so that I can reduce my hours by one day a week, meaning less sick days overall, so not too much of a pay reduction, but still less money than I need to service my debts with the increasing interest.
    So, Step Change are putting me on Debt Management Plan, it will take me a long time to pay it all off, but least it will be manageable, affordable and I wont have any more mini meltdowns.

    The next step is to have a big chat with the OH, which is the part I'm looking forward to the least. I married him knowing he has an IVA, and that he has 'around 15000' of debt, but I have no idea about anything else, when it will be paid off, how much he's paying, etc, so I want us to sit and have an open chat about the complete bigger picture, so that we can really start to get to grips with everything. I also want to encourage him to embrace being more frugal, I have really tried, I've saved on food shopping by cooking from scratch, with using up what we have, and selling things on ebay to raise money for Christmas, but he's bought a coffee machine, sofa cushions and a wii U, which has thoroughly CHEESED ME OFF. So, a big chat is needed there. (to be fair, I agreed to the Wii U, he had a bonus from work and we have sold the Wii).
    I already feel a bit better, I'm off to Barclays this afternoon to set up a 'basic cash card account' so that I can transfer my PayPal funds and start my (long) debt free journey.
    I will try and update here when I can, but figures as at today are (taken off my Noddle credit report, not called for accurate balances from bank or CC company):
    Loan 2176
    OD 1050 (this is my OD limit, no idea how far into it I am, I daren't look!)
    N CC 2389
    H CC 1971
    TOTAL 7586.

    I am so looking forward to having a bank account without a negative balance!!
    Last edited by AleMrsT; 06-11-2014 at 10:26 PM.
Page 24
    • AleMrsT
    • By AleMrsT 20th Nov 17, 9:42 PM
    • 565 Posts
    • 1,401 Thanks
    AleMrsT
    Well, lots of unnecessary spends this weekend, leaving the week and a half to pay day very tight! Slap on the wrist for me.

    Dentist on Friday was 20.60 standard NHS fee. I now realise that the years I've been going to the other dentist has not been NHS charges, I've been paying private fees without anyone ever telling me that I'm no longer an NHS patient, as I used to have to pay an extra 26 for a scale and polish on top of the 25 check up fee, whereas on Friday she did a scale and polish at the check up! So glad I switched.

    Saturday
    5.98 for 2 christmas tree decorations (for each of my nieces)
    6.94 met up with my friends and went for pudding, it was worth every penny!

    Sunday
    3.99 for new batteries for the scales, I went to do my first weigh in on Sunday and the battery was dead! I thought I'd broken them
    6.13 for two magazines, a puzzle book and a chocolate bar for my grandma who is ill with a chest infection and is fed up stuck at home

    Today
    6.57 for the toiletries that I needed, deodorant, washing up liquid, talcum powder, toothpaste

    Leaving me with 39.41 until payday next Thursday

    I need a 16 bus ticket top up and I have 25 direct debit for my pension but that comes out on 30th so should come out on payday

    Eeek.

    No more spending for a couple of weeks now!

    Just got a few more christmas presents to get and I know what I need, although there will be little to no bonus this month as last month was so quiet, so I need to plan plan plan and not buy more than necessary!

    I'm thinking I may have to use my survey money (14.88 qmee, 5.85 prolific) and what is in the Christmas fund (10) to finish off this year, then start again for 2018 on boxing day.

    It just shows how reliant I have become on my monthly bonus payment, need to reign in the ad hoc spends and keep better track.
    LBM Nov 2014 7586.85 DMP Jan 2015 7202.85 now 3858.60 (3344.25 PAID)
    Italy 2018 2103.44 now 0 (Thanks PPI!)
    Survey/cashback income (from Oct 2017) 125.86 (PLUS! I lost count)
    Emergency Fund 17.26/600
    Christmas 2018 50/400
    • AleMrsT
    • By AleMrsT 20th Nov 17, 9:48 PM
    • 565 Posts
    • 1,401 Thanks
    AleMrsT
    Oh and OH still hasnt had his 501 final PPI payment. The bank in question sent a letter for him to sign and send back with the 'offer', then he got another letter saying thank you for accepting, now you need to go into the branch with two forms of ID and sign this other form (he already had to go into the branch with ID during the claim process!) so he did that on Friday, then it takes up to two weeks for the cheque to arrive.

    This particular bank have been so slow with everything, I assume they were one of the worst culprits for mis-selling and are very busy with claims, my parents got quite a lot back from them and their loan was wiped a few years ago, so I'm assuming they like to drag their heels with it hoping that people will give up or forget or not bother visiting the branch or returning the forms.

    It will be a nice buffer just before christmas though, not sure what he is planning on doing with it yet.
    LBM Nov 2014 7586.85 DMP Jan 2015 7202.85 now 3858.60 (3344.25 PAID)
    Italy 2018 2103.44 now 0 (Thanks PPI!)
    Survey/cashback income (from Oct 2017) 125.86 (PLUS! I lost count)
    Emergency Fund 17.26/600
    Christmas 2018 50/400
    • AleMrsT
    • By AleMrsT 20th Nov 17, 10:31 PM
    • 565 Posts
    • 1,401 Thanks
    AleMrsT
    Qmee
    I'm now 2p away from my 15 target on Qmee and I just got declined on 2 surveys in a row! So frustrating.
    LBM Nov 2014 7586.85 DMP Jan 2015 7202.85 now 3858.60 (3344.25 PAID)
    Italy 2018 2103.44 now 0 (Thanks PPI!)
    Survey/cashback income (from Oct 2017) 125.86 (PLUS! I lost count)
    Emergency Fund 17.26/600
    Christmas 2018 50/400
    • AleMrsT
    • By AleMrsT 21st Nov 17, 9:21 PM
    • 565 Posts
    • 1,401 Thanks
    AleMrsT
    I have booked to have some beauty treatments in December in preparation for my christmas meal with friends. I never really treat myself, and its 45 for eyebrows, nails and eye lash tint. This weekend the salon are doing a half price gift voucher offer, so I can get a 50 gift voucher for 25. I have spoken to my grandma and she wants to buy me the vouchers as my christmas present, so it wont cost me a single penny very MSE. I'm really looking forward to it!

    Looking after niece 2 tomorrow morning, then off to the hospital in the afternoon. It seems like such a long time since I last had a hospital appointment, its been 7 weeks this time.

    I've just been doing some more surveys this evening, managed to get to over 15 on qmee so have cashed out, and have also cashed out 5 worth of points on opinion outpost. I'll use both of these payouts to top up the christmas shopping pot so that i can finish the christmas shopping with it. I know its only 20 but its 20 more than I had yesterday!

    Today has been a much needed NSD. I topped up my bus ticket last night so the balance on my account is 23.41 (not including the survey payouts which are sitting in my paypal account)

    Its making me itch having less than 40 in my account, so need NSD's between now and pay day next Thursday.

    We have plenty of meat in the freezer and I have made a meal plan all the way up until payday, the only thing we will need to get is some cream and more potatoes for Sunday's planned meal (parmesan chicken with spinach and potatoes, its so yummy) and will probably need a milk top up soon so hoping 5 will be enough for the small top up shop.

    Come on payday, 9 days to go!
    LBM Nov 2014 7586.85 DMP Jan 2015 7202.85 now 3858.60 (3344.25 PAID)
    Italy 2018 2103.44 now 0 (Thanks PPI!)
    Survey/cashback income (from Oct 2017) 125.86 (PLUS! I lost count)
    Emergency Fund 17.26/600
    Christmas 2018 50/400
    • AleMrsT
    • By AleMrsT 28th Nov 17, 2:33 PM
    • 565 Posts
    • 1,401 Thanks
    AleMrsT
    Well pay day is now 2 days away, I have used the survey money to buy dads christmas present, got 30% off in the black friday sale so it was 9.80 instead of 14.

    I also bought the vouchers as they were only on offer last weekend, will replenish the savings funds when my grandma gives me the cash for the vouchers.

    I also took niece 1 to the cinema on sunday as the new frozen short was out for that weekend only, so 6.40 spent on tickets and 6.25 spent on pick n mix sweets and a drink. Mum gave me 3 for the bus fare back to my sisters as its in a different town so couldnt use my bus ticket.

    I was all on track and on budget, then the pension DD came out this morning, which came out on 30th last month, so it left me 20 overdrawn and I don't have an overdraft facility!

    Luckily OH's PPI money has finally cleared, so he transferred 40 across to me to cover the 25 DD and to avoid unauthorised OD charges.

    I was doing so well! This is what happens when I let my bank balance dip below 40! I usually keep a buffer in there just in case.

    No bonus this month as there have hardly been any sales, so pay is going to be a bit less than usual for this month and next.

    Will get 1076.58 on Thursday, and I just have 2 more christmas gifts to get which is around 60 in total, then usual bills 800, new debt repayment of 98 which leaves me with 118 for the rest of December Minus 40 that OH has transferred across, and 10 to replace the emergency fund is 68 Oh dear!

    Hopefully OH will not need the 40 transferring back seeing as he has the extra 500 and I have 2 christmas meals and 1 secret santa to pay for too! This month is really going to be so tight, I'm already dreading it.

    Hopefully I can carry on with more surveys to build up some extra little funds. I might cancel one of the christmas meals (the work one) as I'm not really that bothered about going anyway seeing as OH is on lates that day so I'd have to sort out lifts etc to get home.

    We're off up to the in laws for christmas so shouldnt really need to spend anything leading up to it.

    I left work at 11am today as I feel absolutely rotten, full of cold and cant get warm, luckily its my usual day off tomorrow so I can just rest up. I've been at the new workplace over a year now I *should* get paid sick pay for today, especially as its not a full day off. If not I'll work an extra day to make up for it, and I might see if I can also work another extra day just to bump up Decembers pay, but don't want to try and do too much.
    LBM Nov 2014 7586.85 DMP Jan 2015 7202.85 now 3858.60 (3344.25 PAID)
    Italy 2018 2103.44 now 0 (Thanks PPI!)
    Survey/cashback income (from Oct 2017) 125.86 (PLUS! I lost count)
    Emergency Fund 17.26/600
    Christmas 2018 50/400
    • AleMrsT
    • By AleMrsT 30th Nov 17, 2:09 PM
    • 565 Posts
    • 1,401 Thanks
    AleMrsT
    Payday!
    Quiet day at work today, the other girl isnt in so its just my friend and I, if she had been in I'd have probably taken another sick day as I'm still feeling ropey but it doesn't matter too much if she isnt here.

    I've spent the morning working out my December budget, and there is NO wriggle room whatsoever

    1096 = account balance after wages

    800 bills
    98 debt
    25 pension

    Leaving 173 for the month, to finish christmas shopping, planned christmas meals, sisters wedding anniversary and sisters birthday!

    15 work meal
    20 meal with friends
    10 secret Santa
    13 rest of OH's xmas budget
    20 towards hamper for grandparents
    20 mum and dad extra gift
    10 anniversary
    15 sister birthday
    5 work lunch

    Leaving 45 to last the rest of the month! Aaagh I'm totally stressing but i just need to be extra strict with sticking to budget. Been to get a few bits today on lunch, spends as follows

    3.59 work lunch (1.41 under budget)
    10.97 towards grandparents hamper (9.03 left)
    2.99 towards secret santa (7.01 left)

    Hoping I will be under budget for both meals out as I've already paid deposits for these and I've factored in costs for a drink, so if i can have tap water it will be even cheaper, meal choices have already been made.

    Also grandma is due to give me 25 back for my christmas vouchers so hopefully i can use this at both meals and I'll only have to pay a contribution.

    OH will have to pay travel expenses and any extras over Christmas from the rest of the PPI money as i just dont have it

    I hate this feeling of scrimping, i also need to replace 10 that i used from the emergency fund.
    LBM Nov 2014 7586.85 DMP Jan 2015 7202.85 now 3858.60 (3344.25 PAID)
    Italy 2018 2103.44 now 0 (Thanks PPI!)
    Survey/cashback income (from Oct 2017) 125.86 (PLUS! I lost count)
    Emergency Fund 17.26/600
    Christmas 2018 50/400
    • AleMrsT
    • By AleMrsT 2nd Dec 17, 10:55 AM
    • 565 Posts
    • 1,401 Thanks
    AleMrsT
    OH is at work this morning so I'm going to have a quick clean up, get the veggies prepped for the chicken casserole then snuggle up on the sofa watching a christmas film

    We haven't bothered with advent calendars this year, instead we are going to watch a christmas film every day between now and christmas, which will be free as we have Netflix and online streaming.

    Today's Film is Arthur Christmas!

    I've cashed out some survey money this morning, 5 from opinion outpost and 7 from prolific, this will go straight towards the remaining christmas presents for this year.

    Balance of my account today: 150.99

    After posting yesterday I remembered that I owed a colleague 5 for a leaving gift, and its another colleague's birthday mid month so that will be another 5! The account buffer is now down to 35!! I'm a bit scared. must must must keep a VERY close eye on every single penny of spending to avoid a disastrous December.
    LBM Nov 2014 7586.85 DMP Jan 2015 7202.85 now 3858.60 (3344.25 PAID)
    Italy 2018 2103.44 now 0 (Thanks PPI!)
    Survey/cashback income (from Oct 2017) 125.86 (PLUS! I lost count)
    Emergency Fund 17.26/600
    Christmas 2018 50/400
    • misstara
    • By misstara 3rd Dec 17, 4:31 PM
    • 2,727 Posts
    • 19,317 Thanks
    misstara
    Love the idea of watching a Christmas film every day . Good luck with your December budget, looks tight but you can do it!
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 804.26 (65.1% paid)
    Car debt Nov 2017 797.68 Now 542.46 (32% paid) + monthly payments 146.82 6/60
    Emergency fund - 36/1000. Car fund - 0/1000.
    Mini Targets in May
    Exercise target - 10/16. Groceries target 170.88/200. NSD target 12/19.
    • AleMrsT
    • By AleMrsT 6th Dec 17, 11:50 AM
    • 565 Posts
    • 1,401 Thanks
    AleMrsT
    So balance of the account is 123.18

    Still not got any more xmas gifts, but I withdrew 20 cash for my work meal and have 5 change left, I also bought some new foundation from primark as I ran out yesterday morning, that was totally not budgeted

    I have another meal out next week, hoping to stick to 20 for that as I've already paid a 10 deposit and only drink soft drinks, no taxi's needed as my friend lives round the corner so we'll travel together.

    I've cashed in some survey money so I have 12.04 in my paypal, and I still have 9 in my amazon account because i cancelled a gift for niece 2 which wasnt going to arrive in time for christmas.

    Need to get something else for her, which I will use the amazon money for. Still doing surveys to try and bring in a few more pennies, I do quite well on opinion outpost, hoping for another 10 before christmas.

    My sister is going to put some money towards a voucher for my parents so current spending budget looks as follows:

    Niece 2 - 10
    Mum and Dad 20 (30 voucher)
    Rest of Grandma and grandads gift 14.50
    OH 13
    Meal 20
    Secret santa 7
    Colleague birthday 3
    Sister birthday and anniversary 25

    112.50

    leaving me with 10!! agh I'm so stressed!

    I have 7.50 in my purse
    12.04 in paypal
    9.67 in amazon
    25 owed to me from grandma

    Total 57.39

    Once this month is over I am definitely going to build up the christmas savings. Last year it was amazing to have a pot of money set aside to use for christmas, I've got so complacent (and lazy!) this year, so I've only got myself to blame.

    Just had a little cry and stuffed my face with jaffa cakes. Off to get the house cleaned and have a look for bargains online now.
    LBM Nov 2014 7586.85 DMP Jan 2015 7202.85 now 3858.60 (3344.25 PAID)
    Italy 2018 2103.44 now 0 (Thanks PPI!)
    Survey/cashback income (from Oct 2017) 125.86 (PLUS! I lost count)
    Emergency Fund 17.26/600
    Christmas 2018 50/400
    • AleMrsT
    • By AleMrsT 10th Dec 17, 7:40 PM
    • 565 Posts
    • 1,401 Thanks
    AleMrsT
    Christmas shopping is very nearly all done. Just waiting for a love2shop voucher to arrive from Top CashBack so I can order 3 CD's from HMV for niece 1, then it literally is all finished.

    I have gone over budget on a few things, but still have money left, and OH is going to transfer money from the bills account to cover my meal out with friends at the weekend, so its all looking good.

    Been to a birthday party this weekend, stayed overnight in a hotel as it was easier (and cheaper) than sorting out taxis there are back. Drove home in the snow and picked up some bits and bobs from Tesco, including some essentials (bread and milk) for my grandparents as I really didnt want them having to head out in the snow.

    OH has gone off to work on a short shift today as he was supposed to be off for the whole weekend, so I've unpacked the cases and done the washing from the night away, done the ironing, put it all away, cleaned the house, made myself a roast chicken dinner, I'm just about to put the christmas tree up, OH bought it all out of the garage earlier so I could put it up tonight whilst he's at work.

    Once the trees up, I'm going to wrap all of the christmas gifts and set them under the tree, then have a nice bath and watch a christmas film

    Not totted up final christmas shopping spends or anything yet, need to get on so will probably do a more financial update tomorrow when I have more time.

    OH has 5 more shifts at work after today, and I have 6 more days, then we're both off until 29th.
    Last edited by AleMrsT; 12-12-2017 at 1:01 PM.
    LBM Nov 2014 7586.85 DMP Jan 2015 7202.85 now 3858.60 (3344.25 PAID)
    Italy 2018 2103.44 now 0 (Thanks PPI!)
    Survey/cashback income (from Oct 2017) 125.86 (PLUS! I lost count)
    Emergency Fund 17.26/600
    Christmas 2018 50/400
    • AleMrsT
    • By AleMrsT 11th Dec 17, 7:33 PM
    • 565 Posts
    • 1,401 Thanks
    AleMrsT
    So I've ordered the final Christmas gift today, as waiting for the Love2Shop voucher wouldnt have given me enough time to then order the CD's for them to be delivered in time.

    Total spent on Christmas shopping 231.03.

    Total cost of gifts (minus wrapping paper, cards etc) 214.72

    Then the important figure, the amount of money that the gifts have actually cost me: 167.51, so only 17.51 over budget for gifts, and 47.21 worth of 'free' gifts I'm very pleased with that, I'm really happy with the amount of gifts everyone has, and I've worked hard getting them at the best prices and using survey and topcashback vouchers/money.

    OH has transferred me 50 from the bills account as I needed a bus ticket top up and also I was 10 short for my meal out this coming Saturday, but now I have enough to cover that and money set aside for my sisters birthday present and the DD that comes out on 27th.

    Now to spend the rest of the evening wrapping what I didnt get wrapped yesterday, then I need to wait for a couple more gifts to arrive and thats me all done.

    My sister owes me 13 so once she's paid that I'll add it to the emergency fund which I had to use for presents etc.

    This has taught me I definitely need to get back into the habit of regularly saving towards christmas, last year was so much easier because I had money aside, so boxing day this year, I will start to build up my christmas savings pot. I will aim to save 400, as this will cover presents, meals out, wrapping paper, cards, a new outfit if needed. I'm going to carry on with the surveys etc and build up the fund using the survey money, I don't think I'll be able to save nearly 10 a week without it, but we'll see.

    Off to wash the pots then I'll catch up on diaries as I've not caught up with any for a while.
    Last edited by AleMrsT; 12-12-2017 at 1:01 PM.
    LBM Nov 2014 7586.85 DMP Jan 2015 7202.85 now 3858.60 (3344.25 PAID)
    Italy 2018 2103.44 now 0 (Thanks PPI!)
    Survey/cashback income (from Oct 2017) 125.86 (PLUS! I lost count)
    Emergency Fund 17.26/600
    Christmas 2018 50/400
    • AleMrsT
    • By AleMrsT 13th Dec 17, 10:20 PM
    • 565 Posts
    • 1,401 Thanks
    AleMrsT
    I've cashed in another 50 points on opinion outpost for another 2.50 paypal credit, I'm on a roll with surveys now, a few pounds a week will soon add up in the Christmas 2018 fund!

    OH came home yesterday with a parcel that had arrived at his work, which was the backpack for niece 2, and during my lunch break yesterday I spent 2.13 on sweets for my sisters birthday present. We've set a 10 limit and my aim is to buy as much as possible for 10. I'm going to buy her some Aussie shampoo and conditioner that is on offer in Superdrug for 1.50 each, as she rarely buys herself nice hair and beauty products, then I will have just short of 5 left. I found a craft kit in the cupboard earlier that I received as a gift a couple of christmases ago, she's the crafty one in the family so I have added it to her birthday present box, so thats another thing for her to open.

    Not sure what I'm going to get with the remaining 5 but I've got a couple of weeks to sort it.

    Today has been my regular day off, I emptied the cupboard so that OH could move it and put the christmas tree in the corner, rather than it being in the centre of the room, I then hoovered and tidied up and wrapped the remaining presents including my sisters birthday stuff.

    Been to my mum and dads this afternoon, took a dress with me that i wore on saturday that somehow now has a hole in where the seam has split, so my grandma has taken that home to repair on her sewing machine so that I can wear it for my meal out on saturday.

    Once mum had taken grandma and niece 2 home, she sorted out a pair of jeans that she had bought that she doesnt like, so free pair of new jeans for me!

    Dad got in from work and mum decided that as she hadnt had chance to get any food in for dinner, we would go out for dinner, so we went to the harvester (Dad paid, woop!)

    I've then spent the evening listening to podcasts (a recent discovery, can't believe I haven't discovered them before now, they're perfect to keep me occupied for the long hospital days!) and completing surveys.

    Going to tot up exactly how much I've cashed out since seriously starting the surveys in October, I'm guessing it will be around 30 which isnt bad.

    Will come back and post an update, I might add the running total onto my signature.
    LBM Nov 2014 7586.85 DMP Jan 2015 7202.85 now 3858.60 (3344.25 PAID)
    Italy 2018 2103.44 now 0 (Thanks PPI!)
    Survey/cashback income (from Oct 2017) 125.86 (PLUS! I lost count)
    Emergency Fund 17.26/600
    Christmas 2018 50/400
    • AleMrsT
    • By AleMrsT 13th Dec 17, 10:26 PM
    • 565 Posts
    • 1,401 Thanks
    AleMrsT
    Survey income
    With what I have cashed in so far from prolific, qmee and opinion outpost, as well as what I currently have uncashed on prolific and qmee, the total is 49.04!

    I'm pleasantly surprised, definitely going to keep up with them and going to add a running total to my signature, which I think I will update once I cash out.

    EDITED TO ADD: Edited as I forgot I have 20p in my amazon account that was an additional reward from a Qmee survey
    Last edited by AleMrsT; 13-12-2017 at 10:39 PM.
    LBM Nov 2014 7586.85 DMP Jan 2015 7202.85 now 3858.60 (3344.25 PAID)
    Italy 2018 2103.44 now 0 (Thanks PPI!)
    Survey/cashback income (from Oct 2017) 125.86 (PLUS! I lost count)
    Emergency Fund 17.26/600
    Christmas 2018 50/400
    • misstara
    • By misstara 14th Dec 17, 10:09 AM
    • 2,727 Posts
    • 19,317 Thanks
    misstara
    Sounds like you've been busy and well done for all the surveying, definitely an incentive when you add it all up
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 804.26 (65.1% paid)
    Car debt Nov 2017 797.68 Now 542.46 (32% paid) + monthly payments 146.82 6/60
    Emergency fund - 36/1000. Car fund - 0/1000.
    Mini Targets in May
    Exercise target - 10/16. Groceries target 170.88/200. NSD target 12/19.
    • AleMrsT
    • By AleMrsT 15th Dec 17, 6:28 PM
    • 565 Posts
    • 1,401 Thanks
    AleMrsT
    So I was doing well with Christmas, then my mum reminded me that an elderly aunt always buys us christmas gifts and I really hadnt budgeted to get her anything!

    I nipped on my lunch break and got a rose plant, some fudge and truffles and some nice hand cream, grand total is 4.48, which I feel really cheap only spending that but it is a nice gift that she will like so there is no point spending unneccesarily.

    I also needed hand cream, gravy, toothpaste and cotton wool pads so 10.91 spent.

    Tonight I finished work at 4pm as the office closed early for the christmas party (which I'm not going to) so I booked in for my beauty treatments, 45 worth of treatments for 20 as I bought the half price voucher as my christmas gift from my grandma. I spent 3.19 on a christmas hot chocolate to take with me to my appointment It was really nice but such an unneccesary purchase.

    OH is on his last shift before christmas tonight so I'm going to wrap the remaining presents then catch up on ironing whilst watching a christmas film.
    LBM Nov 2014 7586.85 DMP Jan 2015 7202.85 now 3858.60 (3344.25 PAID)
    Italy 2018 2103.44 now 0 (Thanks PPI!)
    Survey/cashback income (from Oct 2017) 125.86 (PLUS! I lost count)
    Emergency Fund 17.26/600
    Christmas 2018 50/400
    • AleMrsT
    • By AleMrsT 15th Dec 17, 11:16 PM
    • 565 Posts
    • 1,401 Thanks
    AleMrsT
    Cashed in some more points on opinion outpost so have another 5 being added to paypal and Qmee fund is now up to 9.52, so signature updated with running total, will cash out qmee once it gets to 10. All to be added to paypal/savings for spends until Dec 26th, then anything after that will go to Christmas 2018 savings.
    LBM Nov 2014 7586.85 DMP Jan 2015 7202.85 now 3858.60 (3344.25 PAID)
    Italy 2018 2103.44 now 0 (Thanks PPI!)
    Survey/cashback income (from Oct 2017) 125.86 (PLUS! I lost count)
    Emergency Fund 17.26/600
    Christmas 2018 50/400
    • AleMrsT
    • By AleMrsT 28th Dec 17, 11:46 PM
    • 565 Posts
    • 1,401 Thanks
    AleMrsT
    Well I made it to payday (tomorrow) still with 20 in my account! Haven't spent anything at all since 21st December when I bought myself a 3.50 lunch deal from the supermarket.

    I've carried on with surveys over christmas whilst we were (bored) at the in laws, I now have nearly 13 in qmee and have enough points to cash out another 2.50 in opinion outpost. I'm nearly at 60 earnt so far, so thats nearly 20 a month which isnt too bad! All will be added to the christmas 2018 pot.

    Had a lovely christmas, spent most of it feeling guilty though. Guilty that I wasnt with my family, and guilty that we got so many lovely generous gifts and weren't able to be as generous in return. OH kept saying it isnt about that and his family would have been happy that we were there on christmas day, but I still feel awful because I really could have budgeted for extra gifts for OH's family but he insisted what he had got was all ok.

    Once I get paid tomorrow i'm going to order a bunch of flowers to be delivered to them as a thank you for having us.

    SIL has also saved me 97 today, as I was going to sign up to the new body coach 90 day plan at the reduced rate, I messaged her to see what she thought of it and she said she would put a plan together for me and email it to me tomorrow, at no charge (she's a PT). I would have never asked her to do that as I know she's really busy with her paying clients, so I really must spend some time finding her a nice thank you gift to send, especially considering how generous she was to us at christmas too!

    We got a dunelm voucher from her which we used to purchase some new pillows for our bed which we have talked about getting for a while, they also had 30% off so were 17, meaning we had enough left on the voucher for OH to get a lint roller that he wanted!

    We were also gifted a voucher for the view from the Shard followed by a 3 course meal from OH's parents, as we will be going to London in August for my hospital appointment, we will book the meal in for the day before. Just need to arrange a cheap hotel, but there is no such thing as cheap in London!

    OH also bought me tickets for a show for my birthday, I've been saying for a while that I would like to see it, that is in May so we will also need to book a hotel in Birmingham for that, I have been looking and the travelodge is only 53, we wont get the 30% off deal that they're doing at the moment as the date is after the 12th April cut off.

    Ah well, I'll book both hotels through TCB to get as much out of it as I can.

    Off to bed now as I'm back to work tomorrow, OH is currently out in the city centre for the work night out, I've been very anxious about it and my stomach has been in knots for a couple of days, especially as he is staying overnight in a hotel that he's booked. I mentioned to him earlier how I was feeling and he said 'I'm only in the city with the work people, its fine'. I also spent the afternoon with my mums friend who we have reconnected with recently, we sorted through all of her paperwork as she wanted me to help her with her PPI claims seeing as OH has put in successful claims, it was a lovely afternoon, we had a cup of tea and a catch up and she also put my mind at ease that OH will be fine and certainly wont be sharing his hotel room (one of my worries, which is very silly!) I've then spent the evening with the candles lit, made a nice dinner, prepped lunch for work tomorrow and catching up with friends online. I've had a much needed chilled night, its been lovely. Off to bed now as I want to get up at a decent time even though I haven't got to be at work until 10.

    After work we'll be going to my mums as she is cooking some nibbles and has bought a cake for my sisters birthday tomorrow. I dropped her gifts off just before christmas, she has a bag chock full of presents but I only spent just shy of 11! She didnt believe me.

    Anyway, off to bed now, hope I can sleep and don't spend all night tossing and turning!
    LBM Nov 2014 7586.85 DMP Jan 2015 7202.85 now 3858.60 (3344.25 PAID)
    Italy 2018 2103.44 now 0 (Thanks PPI!)
    Survey/cashback income (from Oct 2017) 125.86 (PLUS! I lost count)
    Emergency Fund 17.26/600
    Christmas 2018 50/400
    • AleMrsT
    • By AleMrsT 14th Jan 18, 3:29 PM
    • 565 Posts
    • 1,401 Thanks
    AleMrsT
    Happy New Year everyone! I haven't posted in so long!

    I've been carrying on with surveys but not as much as I was doing before, still cashed out 15 on qmee and another 2.50 from opinion outpost, total is over 65 now! Not bad for a few hours a week. I'm so so tempted to add the 15 qmee money to my usual bank account instead of the christmas savings as I need a bus ticket etc and don't have much left in my account after paying for mums birthday present and grandmas birthday present.

    I have also had my birthday and received gift vouchers, event tickets and books, as well as a slow cooker from my mum and dad.

    The gift vouchers I am saving to use for holiday clothes, apart from the clarks one which I really need to use for some new boots.

    Mum bought me some bras in the tesco sale but they didnt fit so shes taken them back and said she'd just give me the money as it was part of my birthday present, so thats 14 and then my dad owes me 12 for mums birthday present that I ordered.

    I could really do with this back ASAP as I can use it for my bus ticket and spends for the rest of the month instead of using my bank account, so I should get this from them when I pop over in the week.

    We are off to London next weekend for a meeting (accommodation and food paid for by the charity, just need to make sure we have enough petrol in the car and pay for parking) then there are no other plans until payday.

    We did a huge foodshop online to stock up until the end of the month so should only need fresh stuff between now and pay day (salad/milk etc).

    My gym membership is still valid until April and they've put zumba back onto the timetable so I've booked on for Monday and have the diet plan from my SIL which I'm using. My colleague has made us both 'heart charts' to track our weightloss, its just a grid of hearts that we can colour in each time we lose a pound, mine has got 30 on which is my target, 2lb per week until the holiday, but in reality if I lose 14 - 21lb I'll be happy.

    Went to a spa with my sister on my birthday, it cost 57 for the BOTH of us to have 4 hours in the spa and two treatments. It was a really lovely day, well worth the money.

    Next couple of weeks are going to be tight money wise, but I should get a quarterly bonus in January, not sure there'll be a monthly one as I dont think we made any of the December targets, but we'll see.

    We have a LOT of events/plans booked in over the next 7 months or so which is exciting, and the majority is mostly paid for apart from we need to book two hotel rooms. We got a voucher to use in London for visiting the shard and having a meal so we'll book that to coincide with my next London hospital appointment in London so we'll need to pay a hotel for that, but we would have had to pay that anyway as the appointment is quite early.

    Will try and post back here more often to keep on track with the savings, my DMP is plodding along and I don't feel I need to keep my eye on that anymore, its just the general month to month budgeting and money management that I'll be tracking.

    Off to catch up on some more diaries then do some batch cooking for work meals this week, then I plan to run a bath and get an early night with my book.

    My plan for 2018 is as follows:

    * Use up ALL of the toiletries/bath products that we got for Christmas/birthday and lying round the house before we purchase any. We have SO many random toiletries, I usually end up gifting them on (oops) but decided to actually make use of them all this year before buying any more at all (I did this one year and didnt end up buying anything (except shampoo/toothpaste) until July!)

    * Do not buy any candles! Use what I have (I love candles but keep most of them as 'display' candles then buy other cheaper ones to burn. crazy!)

    * Read more books but do not buy any until I've read all of the ones I have in the book cabinet.

    * Spend less time on my phone

    * Do not book any more events/shows/trips unless its a gift for someone else.

    * Carry on with surveys as often as possible and add all proceeds to christmas savings
    LBM Nov 2014 7586.85 DMP Jan 2015 7202.85 now 3858.60 (3344.25 PAID)
    Italy 2018 2103.44 now 0 (Thanks PPI!)
    Survey/cashback income (from Oct 2017) 125.86 (PLUS! I lost count)
    Emergency Fund 17.26/600
    Christmas 2018 50/400
    • AleMrsT
    • By AleMrsT 31st Jan 18, 11:35 AM
    • 565 Posts
    • 1,401 Thanks
    AleMrsT
    Payday!!!!!!
    I am SO pleased that its pay day!! And my day off too!

    We did an online shopping order on Sunday night as we realised the money doesnt get taken until the delivery has been made, so the shopping delivery has arrived this morning, 126.15 spent

    We had an 11 off voucher which we used, and it was so expensive as we had nearly ran out of toiletries, so we spent 35.18 on loo roll, washing powder, fabric softner, toiletries and cleaning stuff, as well as 4 on my razor.

    At least we're all stocked up now and I've written out a meal plan for the rest of this week. Putting it all away, I don't think we have enough meat for the month but we have plenty of cupboard stock so shouldn't have to do another shop apart from milk etc for a good two weeks or so.

    We finally got bonus payments this month, 198 for the quarterly bonus and 6 for the monthly bonus

    I have paid 800 to the bills account, put 25 aside for my DD on 27th and put 60 aside to pay for the hotel on Saturday as we're off to charity event.

    I have also replaced the christmas savings from the survey money that I had to use last month, and have rounded my account down to add 2.94 to the emergency fund.

    I've reinstated my quidco account too, and have decided to also track extra funds from both topcashback and quidco, so I've added the topcashback earnings to my running total of survey income, and am nearly at 100 since October!! I'm so pleased. I have 27.50 in the christmas savings so only a little bit short of 1 per day.

    Going to keep this up, but we have a few expenses coming up, and the weekend before last we had to use the CC whilst we were in London as although the accommodation was paid, we didnt think about car parking or tube ticket costs, and we had one less meal provided so we had to pay for two meals instead of one.

    In all we put around 140 on the credit card, (we managed to street park for free in the end, but needed to fill the car up with fuel)

    OH has paid that back to the card this morning, plus an extra 60, on top of the usual 140 per month payment.

    I have said we'll sit down later and look at the balances and see what we can do.

    We really need to get this CC down, I'm reluctant for him to take another 0% CC as he isnt great at managing them, hence why this one is back up to the credit limit!

    We're just going to have to hammer it with as many payments as we can, but I am so tight on money each month because of how much our monthly bills are, we're stuck in a bit of a rut. Our rent has also increased by 10 per month again this year, we are happy with this as our rent is still a lot cheaper than it should be.

    I have to pay 20 for my dads birthday on Sunday, then next week I have two hospital appointments, a concert and a charity event!

    Exciting (and spendy!) week next week.

    Monday - hopsital 12noon
    Tuesday - off work, seeing LADY GAGA!! Hotel all paid for, have cafe rouge vouchers to use for a meal, should only need to pay for a drink each at the restaurant, plus a drink each at the venue, and fill the car up.
    Thursday, back at work, 9am hopsital appointment!
    Saturday - off to the charity event. Event ticket is paid for, just need to pay 60 on the day for hotel and OH will need to pay for a meal as mine is all included in the ticket cost.

    Monday 13th - 10 deposit due for a place at the 2019 event.

    We have a couple of hotel rooms to book for bits and bobs later on it the year, I have priced it up this morning and its 188 for all of them, (Birmingham x 1 night - May, Sleaford x 2 night - June, London Central x 1 night, August), OH has a 5% off voucher code and I can get 10% cashback through TCB so we will book that in March probably.

    Have so much going on this year, its all exciting stuff and apart from the 3 hotel stays its all paid for.

    I still have vouchers that I haven't spent that I had for my birthday, I'm saving these to use for holiday clothes for Italy in May.

    Off to catch up on diaries, do a small bit of ironing then get ready to head to the train station as I have decided to have a wander round the city centre this afternoon, supposed to be meeting up with one of the ladies from the event at the weekend, but the train ticket is booked now so I may go even if she isnt able to meet, otherwise its 6 wasted, I won't spend any money whilst there as I'll eat before I set off and OH will pick me up when he finishes work.

    In other news, I'm still sticking to my weight loss plan, I have lost 3lb so far, which I am pleased with as its 1lb per week. If i continue that I will have lost a stone by the time I go on holiday. Now we've been food shopping I can be more strict with it so hoping for at least a 2lb loss this week, although I do have the charity meal on Saturday!
    Last edited by AleMrsT; 31-01-2018 at 11:40 AM.
    LBM Nov 2014 7586.85 DMP Jan 2015 7202.85 now 3858.60 (3344.25 PAID)
    Italy 2018 2103.44 now 0 (Thanks PPI!)
    Survey/cashback income (from Oct 2017) 125.86 (PLUS! I lost count)
    Emergency Fund 17.26/600
    Christmas 2018 50/400
    • AleMrsT
    • By AleMrsT 4th Feb 18, 3:05 PM
    • 565 Posts
    • 1,401 Thanks
    AleMrsT
    Sunday update. I have rounded down my account and have added 1.10 to the emergency fund, which now stands at 4.04 Its a start! I've also moved more money across to the savings account I labelled 'planned spends'. I started doing this in December when I needed to keep money aside for my pension DD on 27th, and I find it useful. I now have 111 in there as follows:
    25 DD
    60 hotel
    16 bus ticket
    10 deposit for next years event

    I will transfer the money across to my main account as and when I need it.

    I still have 85 left in my normal bank account, but don't have any other planned spends so this should last the rest of the month.

    Rest of my update will be on quoted post below

    Exciting (and spendy!) week next week.

    Monday - hopsital 12noon
    Tuesday - off work, seeing LADY GAGA!! Hotel all paid for, have cafe rouge vouchers to use for a meal, should only need to pay for a drink each at the restaurant, plus a drink each at the venue, and fill the car up. - This event is now CANCELLED I was so looking forward to it, it was postponed from the original date in October but we found out yesterday that she has cancelled the rest of the tour. We've decided not to go to Manchester at all, as it will cost us more in fuel and entertainment than we lose out on the hotel booking (35). We will get a full refund on the tickets, which will be paid straight off the credit card (235!!) I'm going to go in to work on Tuesday and see if I can have Friday as annual leave instead, which means I can spend the day prepping for the charity event at the weekend
    Thursday, back at work, 9am hopsital appointment!

    Saturday - off to the charity event. Event ticket is paid for, just need to pay 60 on the day for hotel and OH will need to pay for a meal as mine is all included in the ticket cost. - OH has now decided to join in with the activities, so he will need to pay 31 on the day then pay for a curry in the evening. He realised he would be very bored say in the hotel room, ad would probably have spent the same amount of money at the bar or on room service. I'm happy he's joining in!

    I still have vouchers that I haven't spent that I had for my birthday, I'm saving these to use for holiday clothes for Italy in May.

    Off to catch up on diaries, do a small bit of ironing then get ready to head to the train station as I have decided to have a wander round the city centre this afternoon, supposed to be meeting up with one of the ladies from the event at the weekend, but the train ticket is booked now so I may go even if she isnt able to meet, otherwise its 6 wasted, I won't spend any money whilst there as I'll eat before I set off and OH will pick me up when he finishes work.
    I took the vouchers with me on Wednesday in the end and spent them (oops!) However, the whole day cost me 15.80, but I bought a dress for the charity event, which cost me 10 in cash (20 in the sale and I had a L2S voucher, it was from Debenhams and should have been 75! I am very pleased with the purchase, its probably one of the best fitting dressiest dresses I've ever bought.

    I also used my new look voucher to buy false nails and eyelashes, a clutch bag and a top (I was planning to wear the top for the concert, but will wear it another time). I had a 25 voucher and think I have around 4 still on the voucher. I also went to next and spent some of that voucher, I really wanted a nice red shiny lipstick, so I bought one from there, and a nude matt lipstick as well as a nice gold nail varnish in case I don't get on with the false nails! Its not often I treat myself to make up so it felt very luxurious, and I still have a few pounds left on that voucher too.

    I decided to use them on Wednesday as I realised I could get all of my holiday stuff from primark, and the vouchers for next and new look wouldn't stretch very far for holiday things. I don't feel i've wasted them which is good.

    The other 5.80 was spent on a really lovely cappuccino and cake.
    I really enjoyed going shopping alone, I shall definitely head into the city again on my day off, I had a lovely day and it didn't break the bank
    Originally posted by AleMrsT
    Today OH is on a late shift, his last day before a week off, so I'm going to get the ironing done (didnt have chance on Wednesday) then have a bath and get ready for work tomorrow. Hope everyone is having a good weekend!
    LBM Nov 2014 7586.85 DMP Jan 2015 7202.85 now 3858.60 (3344.25 PAID)
    Italy 2018 2103.44 now 0 (Thanks PPI!)
    Survey/cashback income (from Oct 2017) 125.86 (PLUS! I lost count)
    Emergency Fund 17.26/600
    Christmas 2018 50/400
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