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  • FIRST POST
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 6th Nov 14, 4:53 PM
    • 9,228Posts
    • 55,858Thanks
    please-let-me-be-lucky
    Three choices in life; Give up, Give in or Give all you've got!!
    • #1
    • 6th Nov 14, 4:53 PM
    Three choices in life; Give up, Give in or Give all you've got!! 6th Nov 14 at 4:53 PM
    This is my 2nd diary on MSE. My first diary, "When I asked for luck I didn't mean the bad variety!!" has to be closed as it's reached over 5000 posts!! It can be found here;

    http://forums.moneysavingexpert.com/showthread.php?t=3911061

    In 2011 my Husband had a motorcycle accident resulting in a severe brain injury, memory problems and Epilepsy. Unfortunately he is getting worse not better and I am now his full time Carer, which can be challenging, but I'm ever grateful he is still here! I also have 2 boys aged 10 and almost 5, a part time job and I'm currently a Beaver Leader but I've just given notice to leave at Christmas (as much as it pains me!) as I just can't manage that too. The last 3.5 years have been hard going for lots of reasons, but worth it. Every day may not be good, but there's something good in every day!!

    At the time of the accident we owed over £23,700 on credit cards and we currently owe just over £3000. Hopefully this diary will see us getting debt free forever! I hope you'll join me.

    Lucky Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in 2018 40/60
    Best win so far - holiday to Florida
Page 224
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 5th Apr 18, 9:28 PM
    • 9,228 Posts
    • 55,858 Thanks
    please-let-me-be-lucky
    I'm glad you enjoyed Peter Rabbit, but sorry about DS1's hormones . How old is he?
    Originally posted by HairyHandofDartmoor
    Heís 13 and a half. He may not see 14 .

    To be fair, heís been better today and has apologised for his behaviour yesterday.

    We have actually had sun today . Such a nice change after what feels like eleventy billion days of heavy rain. We went to the beach with the dog and had a lovely day. Wouldíve been a NSD but I paid £3 for DS2 to go on a bouncy castle.
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in 2018 40/60
    Best win so far - holiday to Florida
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 5th Apr 18, 9:41 PM
    • 6,449 Posts
    • 46,730 Thanks
    HairyHandofDartmoor
    I'm glad he seems better today . I remember being very moody and miserable when I was fourteen, I'm glad I'm not a teenager anymore.
    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.
    EMERGENCY FUND = £17
    "Tough times never last, but tough people do" - Robert H Schuller
    • beanielou
    • By beanielou 5th Apr 18, 9:43 PM
    • 58,839 Posts
    • 244,157 Thanks
    beanielou
    Have to agree I would really hate to be a teenager again.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 6th Apr 18, 7:27 PM
    • 9,228 Posts
    • 55,858 Thanks
    please-let-me-be-lucky
    Moody teen has been out with a friend most of today so all calm .

    Lost 3lbs at chub club so last weekís gain has gone .

    Got travel insurance sorted also. Did a search the other day and best deal was £60 with a company I hadnít heard of. When I went back the search had timed out so I had to re do it, this time the cheapest was £48, or I could get a really good deal with minimum excesses for £58 with M0re Th@n so I went for that. Another job ticked off the list.

    Cashed out a £5 Amaz0n voucher from GlobalTestM@rket and have enough points to do the same on Sw@gbucks. Almost at £50 on Y0uG0v but not sure thatíll be done and paid out by holidays.
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in 2018 40/60
    Best win so far - holiday to Florida
    • beanielou
    • By beanielou 7th Apr 18, 7:08 PM
    • 58,839 Posts
    • 244,157 Thanks
    beanielou
    Good news on insurance & Yoo Gov
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 8th Apr 18, 3:16 PM
    • 9,228 Posts
    • 55,858 Thanks
    please-let-me-be-lucky
    Wow! @please-let-m.. I'm inspired by you. I can't imagine how you do it!! but you are truly inspirational. Keep up the great work being a great mother.
    Originally posted by eringray
    Thank you eringray .
    I donít feel very inspirational, or a particularly good Mum, but I keep trying my best Xx

    Feeling panicky again today, mainly about money. We go on holiday in 4 weeks and I havenít saved nearly as much as I had hoped. Iím still really happy that I won the holiday obviously, but itís amazing how much a free holiday costs when you add in train travel, a night at a hotel, insurance, attraction tickets, spending money etc. On top of that both boys have sprouted all of a sudden and need new joggers, shoes and possibly shorts as they havenít tried last yearís on yet.

    Iíve listed a couple of things on eBay, got a bag of clothes to weigh in, booked cinema tickets for DS1 and his pal using premier points so technically free but now Iíve run out of ideas. Anyone know where I can find a money tree?? .
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in 2018 40/60
    Best win so far - holiday to Florida
    • Sun Addict
    • By Sun Addict 8th Apr 18, 4:39 PM
    • 6,421 Posts
    • 44,743 Thanks
    Sun Addict
    If you find that money tree let me know

    Well done on the weight loss.

    It's all the extras needed for holidays that mount up: insurance, getting to and from airport, spending money, clothes, sun lotion, etc - the list is endless and usually costs more than the holiday itself.

    Unfortunately I'm hopeless at making extra money so can't come up with any ideas, sorry However, knowing you, you'll come up with something
    Virtual Sealed Pot 2010 £13.14
    Debt £1880
    Weight loss 0/6LBS
    Emergency Fund £4000/£10,000
    • pennywisepoundstupid
    • By pennywisepoundstupid 8th Apr 18, 4:48 PM
    • 4,915 Posts
    • 17,191 Thanks
    pennywisepoundstupid
    Sorry PLMBL I've no bright idea's for making extra money just the usual surveys/ebay. Could you do a car boot? Get all the boys clothes out and see what still fits and what doesn't then make a list from there for what they need for hols, are you staying in a villa or hotel? If your in a villa you will have a washer dryer and therefore don't need to take as many clothes. Can you cut the grocery budget for the next few weeks and eat cheaper meals r add a few in, nothing wrong with beans on toast or scrambled egg on toast a couple of times a week. Remind the boys why you are trying to save, I do this with my DC and its amazing what they decide they don't need anymore and will sell on ebay if it means a bit more spending money.
    Be mindful of your self-talk. It's a conversation with the Universe."
    Debt free and saving for my future
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 8th Apr 18, 6:39 PM
    • 9,228 Posts
    • 55,858 Thanks
    please-let-me-be-lucky
    Thanks ladies .

    Great ideas pwps! Things there Iíve lost sight of in my panic . Will do another freezer/stores inventory so I can trim the shopping budget Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in 2018 40/60
    Best win so far - holiday to Florida
    • beanielou
    • By beanielou 8th Apr 18, 8:33 PM
    • 58,839 Posts
    • 244,157 Thanks
    beanielou
    I too am hopeless at making extra money.
    Currently trying to think of a way to raise money to pay for new blinds!
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
    • mary hinge
    • By mary hinge 9th Apr 18, 10:29 AM
    • 1,535 Posts
    • 7,215 Thanks
    mary hinge
    You could pimp Mr eye candy Lucky out as a shirtless waiter? handyman? Oakley as a ring bearer/dog model......

    I'm in the same boat panicking..... we tend to book cheap cheap holidays really early but they creep up very fast
    Living in a superhero induced haze
    "You did good Kidda!"
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 9th Apr 18, 6:00 PM
    • 9,228 Posts
    • 55,858 Thanks
    please-let-me-be-lucky
    You could pimp Mr eye candy Lucky out as a shirtless waiter? handyman? Oakley as a ring bearer/dog model......

    I'm in the same boat panicking..... we tend to book cheap cheap holidays really early but they creep up very fast
    Originally posted by mary hinge
    why didnít I think about pimping out my husband to make money?!?! .

    To be fair, he has an amazing bod, itís just his head that doesnít work!! Iím the total opposite, good brain, scrapheap body .
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in 2018 40/60
    Best win so far - holiday to Florida
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 13th Apr 18, 7:41 PM
    • 9,228 Posts
    • 55,858 Thanks
    please-let-me-be-lucky
    Not really been feeling up to posting the last few days, but feel like the cloud has started to lift today. MiL has kindly bought the boys new trainers, so itís one less thing for me to worry about .

    Hope everyone is ok Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in 2018 40/60
    Best win so far - holiday to Florida
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 13th Apr 18, 8:32 PM
    • 6,449 Posts
    • 46,730 Thanks
    HairyHandofDartmoor
    I'm glad you're feeling a bit better Lucky.
    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.
    EMERGENCY FUND = £17
    "Tough times never last, but tough people do" - Robert H Schuller
    • beanielou
    • By beanielou 13th Apr 18, 8:38 PM
    • 58,839 Posts
    • 244,157 Thanks
    beanielou
    Not too long til your holidays xx
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 13th Apr 18, 9:01 PM
    • 9,228 Posts
    • 55,858 Thanks
    please-let-me-be-lucky
    I'm glad you're feeling a bit better Lucky.
    Originally posted by HairyHandofDartmoor
    Thank you Xx

    Not too long til your holidays xx
    Originally posted by beanielou
    3 weeks on Monday/Tuesday .
    And Iím still fat.
    And still skint .

    Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in 2018 40/60
    Best win so far - holiday to Florida
    • beanielou
    • By beanielou 14th Apr 18, 10:43 AM
    • 58,839 Posts
    • 244,157 Thanks
    beanielou
    If any consolation I too am fat & skint xx
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
    • mummytogirls
    • By mummytogirls 14th Apr 18, 11:15 AM
    • 6,326 Posts
    • 23,907 Thanks
    mummytogirls
    Hope your ok PLMBL, that holiday hasnt half come round quickly xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £5419.83 - 08/04/18 - 76.61% paid off
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 14th Apr 18, 11:31 AM
    • 9,228 Posts
    • 55,858 Thanks
    please-let-me-be-lucky
    If any consolation I too am fat & skint xx
    Originally posted by beanielou
    You are NOT fat. You are beautiful inside and out.

    You may be skint though, canít argue with that, sorry . Xx


    Hope your ok PLMBL, that holiday hasnt half come round quickly xx
    Originally posted by mummytogirls
    Hasnít it just!! Scary how time flies. Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in 2018 40/60
    Best win so far - holiday to Florida
    • Knit Witch
    • By Knit Witch 14th Apr 18, 6:12 PM
    • 3,610 Posts
    • 32,933 Thanks
    Knit Witch
    Can I join in with the fat and skint group
    Must use my stash up!
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