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  • FIRST POST
    • moneyonmymindsam
    • By moneyonmymindsam 8th Feb 15, 10:31 PM
    • 1,408Posts
    • 4,318Thanks
    moneyonmymindsam
    In the Lowest Hour
    • #1
    • 8th Feb 15, 10:31 PM
    In the Lowest Hour 8th Feb 15 at 10:31 PM
    In the Lowest Hour..I wonder if I can get any lower.


    Money ...


    I'm so reliant
    I'm so dependant
    I'm such a fool


    Sam Smith could have written that for me ..


    Where do I start?? ..yes that's right by making a coffee ...and having a long hard look at everything ....


    I know where I am but the denial and longing not to be in my current situation kicks in ...


    Am I motivated ...not in the slightest ...


    SOA going to make me feel sick ..pig sick ...


    My mission is to log in everyday and get sorted ...anything has got to be better than this, I loathe myself and my situation that has got to change.
Page 51
    • abba1772
    • By abba1772 25th Jul 17, 9:04 AM
    • 4,835 Posts
    • 16,906 Thanks
    abba1772
    Go you with the council tax can't wait to be in that kind of position xx
    Last edited by abba1772; 25-07-2017 at 10:26 PM.
    NEXT TARGET HALIFAX CC WAS July 17 3572.57 NOW 983.26
    POAMAYC 2011 6382.66 POAMAYC 2012 5000.78
    POAMAYC 2013 3480.04 POAMAYC 2014 4085.14
    POAMAYC 2015 7565.24 POAMAYC 2016 8000.90
    POAMAYC 2017 7278.80 POAMAYC 2018 4782.14
    • doingitanyway
    • By doingitanyway 25th Jul 17, 10:21 PM
    • 3,133 Posts
    • 16,450 Thanks
    doingitanyway
    Good to see you back posting. I Hope you are recovering well.
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • monz
    • By monz 31st Jul 17, 11:40 AM
    • 3,234 Posts
    • 10,509 Thanks
    monz
    How are you Sam!!! Look how far you have came !xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house pot for bobs after fees : 169.41
    car PCP - 628.97/11848.25 (0 overpayment) mum and dad 500/4,000
    boys bday 0/300 Christmas - 0/500
    • moneyonmymindsam
    • By moneyonmymindsam 2nd Aug 17, 1:48 AM
    • 1,408 Posts
    • 4,318 Thanks
    moneyonmymindsam
    Savings update 8400


    I am going to put in a request soon with work to work only 3 days I think, Hopefully this doesn't mean I do 5 days work in 3 and only get paid for 3 lol. Cynical or what :-)


    I am going to start doing ebay again but only 2 things a week.


    Typically Listed and both things sunday and sold so I have some earlier than expected posting to do, although one of them has not paid me yet so hope not a time waster but could mean I will have netted 35 in profit.


    I have 65 ish in cashback sites accrued so I should be able to get this soon.


    If I cut my hours I am not sure in reality how much could be saved but will aim for 150 a month so new aim is 9k By December.


    Hope everyone is good.


    Sam
    Emergency Fund Challenge
    • moneyonmymindsam
    • By moneyonmymindsam 3rd Aug 17, 8:28 PM
    • 1,408 Posts
    • 4,318 Thanks
    moneyonmymindsam
    Paid by the buyer's so 40 Better off added another 2 items which I hope will be next weeks sold items.


    Plus one coming tomorrow so need to tidy tonight and do all that sort of thing. Washing machine on the go as I type.


    Thought about doing my capsule wardrobe tonight/ tomorrow again so will let you know how I get on or if i do actually bother to do it.


    Hope to be able to catch up on some diaries tomorrow.


    Thinking of you all as always.
    Sam xx
    Emergency Fund Challenge
    • doingitanyway
    • By doingitanyway 4th Aug 17, 1:18 PM
    • 3,133 Posts
    • 16,450 Thanks
    doingitanyway
    Thought about doing my capsule wardrobe tonight/ tomorrow again so will let you know how I get on or if i do actually bother to do it.
    Originally posted by moneyonmymindsam
    Ooh sounds interesting. I will be watching your progress as I should do the same...
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • moneyonmymindsam
    • By moneyonmymindsam 8th Aug 17, 10:49 PM
    • 1,408 Posts
    • 4,318 Thanks
    moneyonmymindsam
    Hacked into the savings so now lower than expected.
    Still not sorted the clothes / wardrobe as been sorting the bedroom - still a work in progress but starting to look nicer.


    Few small ebay sales but see what that amounts to at the end of the week But I must admit cant really be motivated to do it.


    Got some Lamps, Rugs and new towels in my online shopping basket to order for the end of the week to finish it off.


    Need to organise making a good 3bay pile or taking it all to a charity.


    then the Kitchen next project
    Last edited by moneyonmymindsam; 08-08-2017 at 11:32 PM.
    Emergency Fund Challenge
    • moneyonmymindsam
    • By moneyonmymindsam 14th Aug 17, 11:17 PM
    • 1,408 Posts
    • 4,318 Thanks
    moneyonmymindsam
    OK Sorted a mass of things for charity just got to sort that out now to get it there. bay pile under the bed in suitcases. Winter bedding washed and kitchen de-cluttered.


    Still to do Wardrobe sort out and savings. Send back the rugs that are completely random and not even what I ordered. 10 voucher from argos as compo and that is now gifted to friend.


    Resisting an item in the sales on-line well at least until I sort the wardrobe.


    Hope all is good, savings draining away but good to have some new things as been scrimping so long forgot what new things feel like :-)


    Sam xx
    Emergency Fund Challenge
    • RosaBernicia
    • By RosaBernicia 15th Aug 17, 10:27 AM
    • 3,518 Posts
    • 9,540 Thanks
    RosaBernicia
    Hi Sam

    Enjoy fab new bedroom things and good luck with the capsule wardrobe... a friend introduced me to the template here, might be of interest?


    Rosa xx
    Debt free May 2016
    MFW progress 3.9% ...
    Campervan loan progress 0%

    • doingitanyway
    • By doingitanyway 15th Aug 17, 4:08 PM
    • 3,133 Posts
    • 16,450 Thanks
    doingitanyway
    You are back with a vengeance Sam. You go
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • abba1772
    • By abba1772 15th Aug 17, 10:21 PM
    • 4,835 Posts
    • 16,906 Thanks
    abba1772
    Go Sam you're on fire xx
    NEXT TARGET HALIFAX CC WAS July 17 3572.57 NOW 983.26
    POAMAYC 2011 6382.66 POAMAYC 2012 5000.78
    POAMAYC 2013 3480.04 POAMAYC 2014 4085.14
    POAMAYC 2015 7565.24 POAMAYC 2016 8000.90
    POAMAYC 2017 7278.80 POAMAYC 2018 4782.14
    • moneyonmymindsam
    • By moneyonmymindsam 16th Aug 17, 9:01 PM
    • 1,408 Posts
    • 4,318 Thanks
    moneyonmymindsam
    Internet on order now and savings dipped looking at September to go part- time. woo hoo .
    Thanks both

    Rosa - Thank you I will check that out
    Sam xx
    Emergency Fund Challenge
    • moneyonmymindsam
    • By moneyonmymindsam 17th Aug 17, 9:45 PM
    • 1,408 Posts
    • 4,318 Thanks
    moneyonmymindsam
    Things to do
    Sort out what I will be earning PT ( scary Thought )
    Phone up the charity so spread the love (well collect the stuff really)
    Look at 3bay sales for August 2 days for items left and current sales are 68.99 so hope to reach 90 by Sunday this week - only aiming for 100 this month as so tired.


    Still haven't done the wardrobe cull but that can wait until the weekend or next week.


    Resisting the online sales :-)
    Emergency Fund Challenge
    • moneyonmymindsam
    • By moneyonmymindsam 22nd Aug 17, 6:30 PM
    • 1,408 Posts
    • 4,318 Thanks
    moneyonmymindsam
    I blew 200 on a Lguinness Handbag, Purse, Brooch/ Pin, Handbag Mirror and bag charm in the sales.

    Think I suffered withdrawal and well and truly lost the plot there.

    I may well do some 3baying this weekend as BH as I made 120 profit, so actually only spent 80 plus 3bay profits.

    Have internet again :-) as well so happy about that .
    Emergency Fund Challenge
    • moneyonmymindsam
    • By moneyonmymindsam 4th Sep 17, 10:23 PM
    • 1,408 Posts
    • 4,318 Thanks
    moneyonmymindsam
    Didn't get my lulu stuff as they !!!!!!ed up the order so that money is back in the bank :-)
    Emergency Fund Challenge
    • abba1772
    • By abba1772 5th Sep 17, 8:27 AM
    • 4,835 Posts
    • 16,906 Thanks
    abba1772
    Oh no booooooo to them mucking up your order xx
    NEXT TARGET HALIFAX CC WAS July 17 3572.57 NOW 983.26
    POAMAYC 2011 6382.66 POAMAYC 2012 5000.78
    POAMAYC 2013 3480.04 POAMAYC 2014 4085.14
    POAMAYC 2015 7565.24 POAMAYC 2016 8000.90
    POAMAYC 2017 7278.80 POAMAYC 2018 4782.14
    • moneyonmymindsam
    • By moneyonmymindsam 7th Sep 17, 10:07 PM
    • 1,408 Posts
    • 4,318 Thanks
    moneyonmymindsam
    Oh well money back in the bank :-)
    Hope all is good - hope to be back to posting and catching up on diaries again at the weekend.
    Emergency Fund Challenge
    • moneyonmymindsam
    • By moneyonmymindsam 6th Oct 17, 11:05 AM
    • 1,408 Posts
    • 4,318 Thanks
    moneyonmymindsam
    Another month and the savings are up and down . Health is improving so all getting better there . woo hoo. back on the 3bay sales soon I expect to top up the savings.


    Nothing much to report my end all being well, am on a tidying session this afternoon, something nice for tea and a bit of a declutter and sort out of the place.


    Much love to all, been thinking of you.
    Emergency Fund Challenge
    • doingitanyway
    • By doingitanyway 6th Oct 17, 8:34 PM
    • 3,133 Posts
    • 16,450 Thanks
    doingitanyway
    good to see you back posting
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • abba1772
    • By abba1772 7th Oct 17, 8:36 PM
    • 4,835 Posts
    • 16,906 Thanks
    abba1772
    Glad to hear you're feeling better my lovely missed your updates xx
    NEXT TARGET HALIFAX CC WAS July 17 3572.57 NOW 983.26
    POAMAYC 2011 6382.66 POAMAYC 2012 5000.78
    POAMAYC 2013 3480.04 POAMAYC 2014 4085.14
    POAMAYC 2015 7565.24 POAMAYC 2016 8000.90
    POAMAYC 2017 7278.80 POAMAYC 2018 4782.14
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