Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • moneyonmymindsam
    • By moneyonmymindsam 8th Feb 15, 10:31 PM
    • 1,403Posts
    • 4,258Thanks
    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 52
    • moneyonmymindsam
    • By moneyonmymindsam 8th Nov 17, 7:09 PM
    • 1,403 Posts
    • 4,258 Thanks
    moneyonmymindsam
    Savings now at 9,500 hope everyone is good.
    Emergency Fund Challenge
    • abba1772
    • By abba1772 8th Nov 17, 7:26 PM
    • 4,667 Posts
    • 15,933 Thanks
    abba1772
    Wow go you with the savings......hope you're well Sam 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 4012.74
    • moneyonmymindsam
    • By moneyonmymindsam 16th Dec 17, 5:06 AM
    • 1,403 Posts
    • 4,258 Thanks
    moneyonmymindsam
    Now at 12k savings by Xmas - But with xmas looming we will see.

    Hope everyone is good.
    Sam
    Emergency Fund Challenge
    • doingitanyway
    • By doingitanyway 16th Dec 17, 2:36 PM
    • 2,899 Posts
    • 14,115 Thanks
    doingitanyway
    Well done on your savings.
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • RosaBernicia
    • By RosaBernicia 16th Dec 17, 5:55 PM
    • 3,453 Posts
    • 9,089 Thanks
    RosaBernicia
    Sam!

    WOW to savings hope all is good with you


    Rosa xx
    Debt free May 2016... MFW progress 2.3 2.8% 3.1% 3.3%


    • abba1772
    • By abba1772 17th Dec 17, 8:15 PM
    • 4,667 Posts
    • 15,933 Thanks
    abba1772
    You've done amazing with your savings

    Is there anything your saving for in particular 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 4012.74
    • Tinkerbelle2000
    • By Tinkerbelle2000 1st Jan 18, 10:40 PM
    • 573 Posts
    • 2,037 Thanks
    Tinkerbelle2000
    Happy New Year Sam, well done on the amazing savings!!

    Hope you didn't spend too much over Christmas, I was really good and stuck to budget for the first time ever.

    Take care.
    Tink xx
    As of 1st January 2018:-
    DEBT 1-38.96 DEBT 2-45.00/141.10 DEBT 3-0/297.00DEBT 4 - 5.00/644.12
    DEBT 5-0/700.00 DEBT 6-5.00/720.02 DEBT 7-100/1479.65 DEBT 8-53.20/1576.80
    DEBT 9-0/1622.49 DEBT 10-0/2300.00 DEBT 11-118.57/2722.44 DEBT 12-0/4349.39
    EMERGENCY FUND - 10/1000
    • RosaBernicia
    • By RosaBernicia 4th Jan 18, 7:35 PM
    • 3,453 Posts
    • 9,089 Thanks
    RosaBernicia
    Happy new year Sam

    Hope it brings you wonderful things


    Rosa xx
    Debt free May 2016... MFW progress 2.3 2.8% 3.1% 3.3%


    • moneyonmymindsam
    • By moneyonmymindsam 4th Jan 18, 11:06 PM
    • 1,403 Posts
    • 4,258 Thanks
    moneyonmymindsam
    Happy new year all

    Thinking of you all.

    Hope to be well enough to get back to posting soon.

    Been ill for a year at least :-)

    so hope 2018 brings us some good health
    Emergency Fund Challenge
    • abba1772
    • By abba1772 5th Jan 18, 1:57 PM
    • 4,667 Posts
    • 15,933 Thanks
    abba1772
    Happy new year Sam
    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 4012.74
    • doingitanyway
    • By doingitanyway 5th Jan 18, 5:52 PM
    • 2,899 Posts
    • 14,115 Thanks
    doingitanyway
    This is the year for you to be well Sam

    Happy New Year
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • Tinkerbelle2000
    • By Tinkerbelle2000 5th Jan 18, 11:38 PM
    • 573 Posts
    • 2,037 Thanks
    Tinkerbelle2000
    Couldn't agree more Sam!
    As of 1st January 2018:-
    DEBT 1-38.96 DEBT 2-45.00/141.10 DEBT 3-0/297.00DEBT 4 - 5.00/644.12
    DEBT 5-0/700.00 DEBT 6-5.00/720.02 DEBT 7-100/1479.65 DEBT 8-53.20/1576.80
    DEBT 9-0/1622.49 DEBT 10-0/2300.00 DEBT 11-118.57/2722.44 DEBT 12-0/4349.39
    EMERGENCY FUND - 10/1000
    • moneyonmymindsam
    • By moneyonmymindsam 10th Jan 18, 12:16 AM
    • 1,403 Posts
    • 4,258 Thanks
    moneyonmymindsam
    You are al so lovely xx

    Savings now 12600
    Income from January 2018 - pretty shot so i will be back budgeting.
    Sam
    Emergency Fund Challenge
    • MuffinTops
    • By MuffinTops 7th Feb 18, 8:06 AM
    • 2,119 Posts
    • 6,416 Thanks
    MuffinTops
    Hello gorgeous,

    Sorry I've been away for so long! I'm back again now and WOW at your savings too. Well done on getting so far ahead.

    I'll be having a proper catch up on diaries tonight but wanted to pop in and say hi.

    MTxx
    STARTING 2017:
    Credit Card Debt: 2,650.00!!!
    ======================
    Saving For a New Property
    Pot of Gold = All gone to the above
    • moneyonmymindsam
    • By moneyonmymindsam 13th Feb 18, 7:56 PM
    • 1,403 Posts
    • 4,258 Thanks
    moneyonmymindsam
    Hello
    Savings taken a drop lol to 12, 250 I think

    I am now working less - although I am not really feeling it as same work load less time but actually less stressed.

    Finally sorted the capsule wardrobe with all pretty things so I will start the process of swap out for better quality as and when something wins me over . Did my round of ebaying got to 160 so not to shabby profit wise.

    Donated absolutely loads to charity as well so they was very happy to get some good stock.

    Acres of work to do so must start to sort self out and bullet plan or have a blitz day to get back on track.

    So as of Feb 28th I will start my savings again as on a new budget not that there will be a lot to save .

    Microwave has just died today as well

    Great to be back on the forums an just in time for valentines day.
    Last edited by moneyonmymindsam; 13-02-2018 at 8:00 PM.
    Emergency Fund Challenge
    • abba1772
    • By abba1772 13th Feb 18, 8:20 PM
    • 4,667 Posts
    • 15,933 Thanks
    abba1772
    Hi Sam

    Glad to hear you're feeling less stressed

    It's great to have you back 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 4012.74
    • doingitanyway
    • By doingitanyway 14th Feb 18, 8:24 AM
    • 2,899 Posts
    • 14,115 Thanks
    doingitanyway
    Good to see you back and in such fine fettle
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • moneyonmymindsam
    • By moneyonmymindsam 18th Feb 18, 9:56 PM
    • 1,403 Posts
    • 4,258 Thanks
    moneyonmymindsam
    Evening All :-)

    Savings are correct (phew) have sorted gas, electric , Council Tax now all i have to do is stick to a realistic budget . I forgot internet and phone costs .. before so going to do a spreadsheet .

    xxx
    Emergency Fund Challenge
    • moneyonmymindsam
    • By moneyonmymindsam 19th Feb 18, 7:42 PM
    • 1,403 Posts
    • 4,258 Thanks
    moneyonmymindsam
    TODAY I cut my Very long below elbow length hair to a long bob today and potentially will go shorter !!

    OMG!

    xx

    p.s so that's a dip in savings but hopefully 3bay sales will make up for it.
    Emergency Fund Challenge
    • doingitanyway
    • By doingitanyway 19th Feb 18, 7:51 PM
    • 2,899 Posts
    • 14,115 Thanks
    doingitanyway
    Glad you are looking after yourself
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

9Posts Today

3,353Users online

Martin's Twitter