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  • FIRST POST
    • moneyonmymindsam
    • By moneyonmymindsam 8th Feb 15, 10:31 PM
    • 1,406Posts
    • 4,280Thanks
    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 54
    • doingitanyway
    • By doingitanyway 10th Mar 18, 12:53 PM
    • 3,015 Posts
    • 14,912 Thanks
    doingitanyway
    Oh no, just when everything was going so well.

    Maybe a bit of cleaning but then a treat.

    Take care
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • redofromstart
    • By redofromstart 10th Mar 18, 1:23 PM
    • 1,676 Posts
    • 10,044 Thanks
    redofromstart
    oh no, not good. We will be here cheering you on
    • moneyonmymindsam
    • By moneyonmymindsam 10th Mar 18, 6:59 PM
    • 1,406 Posts
    • 4,280 Thanks
    moneyonmymindsam
    Thank you. Cooked a curry and playing some music but really resisting the urge to go to the shop and get some wine. lol

    What's that Harry Styles song - Stop your crying its a sign of the times, lol :-)
    Emergency Fund Challenge
    • doingitanyway
    • By doingitanyway 10th Mar 18, 8:52 PM
    • 3,015 Posts
    • 14,912 Thanks
    doingitanyway
    I've got wine in and wished it was still in the shop. You have been saved from yourself
    Enjoy your curry
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • moneyonmymindsam
    • By moneyonmymindsam 11th Mar 18, 3:18 PM
    • 1,406 Posts
    • 4,280 Thanks
    moneyonmymindsam
    So today I have done a new SOA based on now savings and a budget, I have Just checked the bank and 110 to come out of a 280 Balance.

    I have opened a new Piggy Bank 1.00 lol as well

    So will use the 170 to get me to payday.

    So back at Square 1 and starting again :-) Will have to redo the SOA as not adding up right or it could be me.

    All shall be well .

    Sam x
    Last edited by moneyonmymindsam; 11-03-2018 at 3:20 PM.
    Emergency Fund Challenge
    • moneyonmymindsam
    • By moneyonmymindsam 11th Mar 18, 3:37 PM
    • 1,406 Posts
    • 4,280 Thanks
    moneyonmymindsam
    [font=courier new]Statement of Affairs and Personal Balance Sheet[b]

    Decided to re-jig the whole budget

    Hope fully this is all adding up now
    Sam x
    Last edited by moneyonmymindsam; 20-03-2018 at 4:53 PM.
    Emergency Fund Challenge
    • moneyonmymindsam
    • By moneyonmymindsam 11th Mar 18, 6:43 PM
    • 1,406 Posts
    • 4,280 Thanks
    moneyonmymindsam
    This week will be a massive week I hope i find the courage to set up counselling sessions

    Sam x
    Emergency Fund Challenge
    • redofromstart
    • By redofromstart 11th Mar 18, 7:55 PM
    • 1,676 Posts
    • 10,044 Thanks
    redofromstart
    That looks like a very finely balanced budget to me. Good luck getting the sessions set up.
    • moneyonmymindsam
    • By moneyonmymindsam 11th Mar 18, 9:07 PM
    • 1,406 Posts
    • 4,280 Thanks
    moneyonmymindsam
    We have had a major family crisis so trying to keep all on the positive luckily we have been able to resolve with my savings.

    Life is more important than money and I do have so much to be grateful for.

    Sam x
    Emergency Fund Challenge
    • RosaBernicia
    • By RosaBernicia 11th Mar 18, 9:48 PM
    • 3,475 Posts
    • 9,231 Thanks
    RosaBernicia
    Oh sorry to hear things are difficult Sam - but glad that you are in a position where you could resolve it. Please do get yourself counselling and also, don't set your budget too harshly - you will be able to find ways to improve it later on and you are in a much better position than you started.


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


    • moneyonmymindsam
    • By moneyonmymindsam 11th Mar 18, 10:27 PM
    • 1,406 Posts
    • 4,280 Thanks
    moneyonmymindsam
    Just checked all supplies and ok until payday bar the odd bit of milk . So I will have to be very strict and just take the milk money with me lol

    Gas is 30 in credit so that is a plus.

    I have given up on 3bay sales due to the stress levels at present but knowing me this could all change.

    Happy Sunday shuffle - for those that are shuffling.
    Emergency Fund Challenge
    • doingitanyway
    • By doingitanyway 12th Mar 18, 10:23 AM
    • 3,015 Posts
    • 14,912 Thanks
    doingitanyway
    All sounding good
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • abba1772
    • By abba1772 12th Mar 18, 11:58 AM
    • 4,732 Posts
    • 16,235 Thanks
    abba1772
    Sorry to hear about your family crisis 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 4152.74
    • moneyonmymindsam
    • By moneyonmymindsam 12th Mar 18, 8:28 PM
    • 1,406 Posts
    • 4,280 Thanks
    moneyonmymindsam
    Thanks abba,

    Unexpected spend of the day 13.40 .

    Claimed some work expenses 140

    Need money for work Travel next week so need to reserve that.

    Nothing much on - May have to refund an 3bay buyer for lost parcel - they seem genuine so that will be -7 Maybe just down to the weather etc.

    Not a lot else going on here.
    Sam x
    Emergency Fund Challenge
    • moneyonmymindsam
    • By moneyonmymindsam 13th Mar 18, 7:10 PM
    • 1,406 Posts
    • 4,280 Thanks
    moneyonmymindsam
    Desperately trying for a few NSD !!

    Yum.. bacon sandwiches for tea

    Back later for "official financial updates"

    Sam x
    Emergency Fund Challenge
    • doingitanyway
    • By doingitanyway 13th Mar 18, 7:46 PM
    • 3,015 Posts
    • 14,912 Thanks
    doingitanyway
    Yum. I wish I had bacon sandwiches for tea. Enjoy
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • moneyonmymindsam
    • By moneyonmymindsam 15th Mar 18, 10:49 PM
    • 1,406 Posts
    • 4,280 Thanks
    moneyonmymindsam
    Hopefully got the mobile/ Internet / phone down by 10 just through more conscious useage.

    Paid down the credit card today so tomorrow / Monday that will be back at zero.

    All ok - except I am struggling with mixed money pots so i think i am going to use cash and envelopes so I know what budgeted cash is for what.

    Need to sort some easter eggs this weeks so having a look at whats around tonight.
    Emergency Fund Challenge
    • moneyonmymindsam
    • By moneyonmymindsam 17th Mar 18, 6:24 PM
    • 1,406 Posts
    • 4,280 Thanks
    moneyonmymindsam
    Done a lot of cleaning today .

    So I hope to get that finished tonight .

    If not feeling too lazy will have a bit of a pamper and film night.

    Gawd knows what is for Tea tonight probably home made Pizza.

    Need those envelopes for ease of budgeting so might have a root around to see what I can use for now .

    CBA with 'ebay at the moment although I should really!

    Shuffled some money around and all seems in order.

    Sam x
    Emergency Fund Challenge
    • monz
    • By monz 19th Mar 18, 10:33 AM
    • 3,183 Posts
    • 10,095 Thanks
    monz
    Awww hope you are ok Sam!!! If you ever need to talk can mail me anytime <3 xxx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house deposit 6,720.99/10,000
    car PCP - 308.99/11848.25 (0 overpayment)
    mums July birthday vouchers 0/50, Niece birthday June 50/50
    Holiday spending 300/300, Belfast 320/500 (252 for apart
    ment)
    • moneyonmymindsam
    • By moneyonmymindsam 19th Mar 18, 10:13 PM
    • 1,406 Posts
    • 4,280 Thanks
    moneyonmymindsam
    Awww hope you are ok Sam!!! If you ever need to talk can mail me anytime <3 xxx
    Originally posted by monz

    Ah Monz.. TY .. as always you are an angel
    Emergency Fund Challenge
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