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  • FIRST POST
    • moneyonmymindsam
    • By moneyonmymindsam 8th Feb 15, 10:31 PM
    • 1,408Posts
    • 4,327Thanks
    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 56
    • moneyonmymindsam
    • By moneyonmymindsam 5th Apr 18, 6:39 PM
    • 1,408 Posts
    • 4,327 Thanks
    moneyonmymindsam
    More tracking Yesterday

    £1.60 - Tea
    £1.34 - drink/ snack

    Today :

    £4.57 in the shop for milk and coffee and a packet of crisps.

    Bacon sandwiches again today.

    Brought some Jeans as well but had a voucher - so £6.99 of cash used.

    Thinking about doing an online shop for tomorrow.
    Last edited by moneyonmymindsam; 05-04-2018 at 7:05 PM.
    Emergency Fund Challenge
    • moneyonmymindsam
    • By moneyonmymindsam 8th Apr 18, 11:39 AM
    • 1,408 Posts
    • 4,327 Thanks
    moneyonmymindsam
    So another £15.50 spent mainly feeding guests (!) Really am terrible at this tracking.

    Lots of things given to guests (who are on a really low income and struggling and they where very pleased) so I am a bit more organised.

    So I woke up late and was flooded with feelings of I can never seem to get my life on track. I guess this is normal so will have to be a bit kinder to myself.

    Flat is Clean (fairly) and I have plenty of meal options now, I am still thinking minimalist - I mean who needs all this stuff anyway?

    Note to self - I really must not buy anymore toiletries/cleaning stuff. I am thinking whiteboards and stock list of what I have in my kitchen / Bathroom but I'm not sure if this is a bit OCD.

    So Hula Hoops for breakfast - Not really a good start but nice all the same, bit the head from a Lindt rabbit over a coffee but too much too early for me so will probably smash it up and bag it up for when I fancy it .

    Got some items on 3bay so hope they sell. Credit card was more than I thought from the London weekend but got this down to £85 now so not too bad.

    Need to contact the phone / internet provider see if anything can be done there .

    Cashed up a Tesc0 Voucher from quidco so I thought that would do for milk for the month - Maybe keep that for May. So that was a nice suprise £15 - although in hindsight I coudl have sent it to paypal and paid the CC. Anyway never mind.

    Had to say no to family as the savings are pretty much gone now. Feel quite angry that they keep asking me for various things related to their daily living.

    Very hard but have said no more than once now got to the point that I said I will change phone numbers oh dear.

    Going to Turn today into a really positive one! Burgers for tea. Yum.

    Sam xx
    Emergency Fund Challenge
    • abba1772
    • By abba1772 8th Apr 18, 11:42 AM
    • 4,999 Posts
    • 17,601 Thanks
    abba1772
    Sorry your family aren't listening to you that's really selfish considering how much you have done for them

    You're a wonderful person Sam don't you forget that xx
    NEXT TARGET HALIFAX CC WAS July 18 £5493.20 NOW £3968.53
    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 £6701.72
    • moneyonmymindsam
    • By moneyonmymindsam 8th Apr 18, 2:47 PM
    • 1,408 Posts
    • 4,327 Thanks
    moneyonmymindsam
    So I have looked at changing the internet/ phone for a cheaper deal. Hopefully sort that tomorrow and must remember cashback site.

    I have also made a complaint whether I get any money back is a different matter. I might use resolver to help with that.

    Fingers and toes crossed for the ebay sales and hope i dont get any dodgy buyers.

    Need to sort the washer to the tip as well sick of looking at it.

    Bit more MSE today found some loose change I forgot i even had
    Emergency Fund Challenge
    • UncannyScot
    • By UncannyScot 8th Apr 18, 3:21 PM
    • 1,582 Posts
    • 8,726 Thanks
    UncannyScot
    Hi as you have worked your way through mine I have just read (ok, some skimming too ) through your diary... WOW!
    You have also inspired and motivated me!

    One thing I am not so good at is building up savings. So will be focusing in on that and doing my best to continually build them up.
    Have an EF fund pot, which is of course used whenever an emergency spend comes up but I also need to build up on my actual savings.
    BUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
    It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
    R.I.P. T.P.
    • moneyonmymindsam
    • By moneyonmymindsam 8th Apr 18, 3:34 PM
    • 1,408 Posts
    • 4,327 Thanks
    moneyonmymindsam
    Ah if you have skimmed - You will already know I am a nutcase :-)

    Welcome to the darkside, we have cookies ...as they say :-)

    Thank you for popping in.

    Sam x
    Emergency Fund Challenge
    • RosaBernicia
    • By RosaBernicia 8th Apr 18, 6:09 PM
    • 3,542 Posts
    • 9,656 Thanks
    RosaBernicia
    Oh Sam, big hugs - I hope the day has got better and you are seeing how fab you are at staying on track despite all the things life has thrown at you.

    I'm glad to hear you are saying no to people as it's not fair for you to be scrimping on yourself if the savings end up going to people who don't appreciate you. I hope you had a good time with your guests as well as them helping you declutter!

    Have you tried one of the budgeting tools for tracking? I am rubbish at it unless I have somewhere to bring it all together and check against my accounts - which is how come must do Sunday shuffle I haven't resorted to stock lists but tidying things into one place does help.


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

    • TheMagician
    • By TheMagician 8th Apr 18, 7:46 PM
    • 262 Posts
    • 533 Thanks
    TheMagician
    Sam CONGRATULATIONS on saying NO.
    And saying YES to yourself.
    Always put No1 first and don't ever allow anyone to try to make you feel guilty for it.
    You're a giving person and you will give when you want to, because you want to and because it feels right, not because you're told to.

    Keep up the good work
    • doingitanyway
    • By doingitanyway 9th Apr 18, 11:24 AM
    • 3,245 Posts
    • 17,270 Thanks
    doingitanyway
    It is hard to say no but once you start saying more your family will get it and stop asking. Well done you
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • moneyonmymindsam
    • By moneyonmymindsam 9th Apr 18, 11:58 PM
    • 1,408 Posts
    • 4,327 Thanks
    moneyonmymindsam
    Strangely a bit low today so need to get the picking myself up and dusting self down stage and then I can get back on a roll

    Thinking of you all
    Sam x
    Emergency Fund Challenge
    • moneyonmymindsam
    • By moneyonmymindsam 11th Apr 18, 8:55 PM
    • 1,408 Posts
    • 4,327 Thanks
    moneyonmymindsam
    So been a rubbish week and lots of inter family rows around money - nuff said.

    Need to look at the finances this month as 16 days to pay day.

    Need to claim work expenses as they have also gone on the cc so must do that to pay it off .

    Sold some bits on Fleabay so a few £ there well about £16 after postage and fees so not to shabby at all.

    No sign of my quidco voucher from tesco so all very odd but will give it a couple more days.

    £45 back from phone/ internet company in over charges . Woo Hoo

    I need to wash up pans and cooked a lot today - washing up now done yay!

    Samxx
    Last edited by moneyonmymindsam; 11-04-2018 at 10:00 PM.
    Emergency Fund Challenge
    • moneyonmymindsam
    • By moneyonmymindsam 11th Apr 18, 11:56 PM
    • 1,408 Posts
    • 4,327 Thanks
    moneyonmymindsam
    I am awake - Always awake so like a weirdo I have cleaned the kitchen.

    P'd off that the hot water bottle i made has slipped out the bed, maybe I need glasses but lets hope not as attempting to save every penny.

    I'm avoiding spending like its poison. Lovely HM food today Chicken and peas in black bean sauce it was delicious.

    HM Curry with Chicken planned for tomorrow - Maybe I will venture out to get some veg to add to it to bulk it out.

    I need to get milk - which is a PITA but also need to post sold items so can all be done in one hit.

    I have company at the weekend so happy days so need to carefully plan what we are eating so not to blow my budget.

    I must remember to change the phone/ Internet .

    Done my banking shuffle and monies are all good till end of month.
    Emergency Fund Challenge
    • UncannyScot
    • By UncannyScot 12th Apr 18, 8:43 AM
    • 1,582 Posts
    • 8,726 Thanks
    UncannyScot
    Hi Sam

    Have a great day

    For phone / internet I recommend Virgin. If you want I can recommend you and we both get a wee boost. PM me for details
    BUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
    It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
    R.I.P. T.P.
    • redofromstart
    • By redofromstart 12th Apr 18, 10:46 AM
    • 1,890 Posts
    • 11,622 Thanks
    redofromstart
    Your food sounds good Sam.
    • doingitanyway
    • By doingitanyway 12th Apr 18, 8:06 PM
    • 3,245 Posts
    • 17,270 Thanks
    doingitanyway
    All sounding good Sam

    Good to read you are making nice food to take care of yourself.
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • RosaBernicia
    • By RosaBernicia 12th Apr 18, 8:51 PM
    • 3,542 Posts
    • 9,656 Thanks
    RosaBernicia
    Glad you are eating well, hope you have fun with company at the weekend.
    Debt free May 2016
    MFW progress 3.9% ...
    Campervan loan progress 0%

    • moneyonmymindsam
    • By moneyonmymindsam 12th Apr 18, 11:17 PM
    • 1,408 Posts
    • 4,327 Thanks
    moneyonmymindsam
    Well flat needs a massive speed tidy tomorrow but I will think about that then

    Got My t3sco gift card but have to print it (fgs)

    I have a big to do list tomorrow maybe I'm just a bit OCD
    • Catch up with a deadline report at work (estimate it will take me 4 hrs to half a day if motivated )
    • Cleaning
    • Listings on Ebay
    • Food shopping (after meal planning and making a list)
    • Find some jeans for friend
    • Beauty Routine - Face packs and all that malarkey
    • Pick up a pint glass
    • Give away the big bottle of Jim beam in the kitchen
    • Get shot of the washing machine (I know)
    • Sort out electric - and make a note of reading I think its like ..284..or something at the moment That will help me work out what amount i am actually using.
      Oh yes and most importantly find some motivation to not sleep in and do all of the above

    Sam x
    Emergency Fund Challenge
    • moneyonmymindsam
    • By moneyonmymindsam 13th Apr 18, 10:48 PM
    • 1,408 Posts
    • 4,327 Thanks
    moneyonmymindsam
    So I only did 2 things on the list lol .

    I have priced up a lot of stuff to sell in the flat And I mean a lot put a few bits on 3ebay today and will aim to do a few a day until I lose the will.

    I'm really trying not to spend anything at the minute and apart from milk I'm all sorted for food until the end of next week.

    Note to self : 287
    Gas £6
    Emergency Fund Challenge
    • redofromstart
    • By redofromstart 14th Apr 18, 9:08 AM
    • 1,890 Posts
    • 11,622 Thanks
    redofromstart
    whenever people think Iím crazy, I know I am usually on the right path.
    Downsize my wardrobe ..not including shoes tho


    To clear out tomorrow
    1. Anything with shoulder pads, even if they are making a comeback.
    2. School jeans that havenít buttoned since school.
    3. That formal dress you bought for one occasion.
    4. Your ex-anyoneís anything.
    5. Christmas sweaters.
    6. Things that are ripped, broken zipped or have holes that arenít supposed to be there.
    7. Pieces you can see through unintentionally ;P
    8. Those super cute shoes that you canít walk in without looking like a drag queen
    9. Sentimental items that make you sad probably because they don't fit
    10. The warm coat you donít wear. Someone needs it more than you.
    11. items that donít fit now and never will..
    12. Clothes you are saving for painting, gardening, rags
    13. Pieces that need to go to the tailor that never get to the tailor.
    14. The expensive dress they said you would wear again, and you know you wonít.
    15. Hats you donít wear even though everyone says you look good in hats.
    16. Ill-fitting bras. Feature your features :P
    17. Bags - You only need one of every colour ** this is my weakness
    18. Clothes that donít belong to you. Give them back.
    19. Anything with a weird mark /or smell that wonít wash out..eeeewww
    20. Clothing or shoes that leave a mark or blister because you are in denial that your size 7 feet will fit into size 5 boots
    21. Scarves that donít go with anything you currently own and you brought because it was in the sale for like 2 quid ..
    22. Clothes that donít allow your underwear to be under :P
    23. Anything you have to squeeze in to.
    24. Clothes you bought on a whim that you wonít wear where you live.
    25. Trousers that are longer /shorter than they are supposed to be.
    26. Shirts that are tighter than they are supposed to be.
    27. Sequins and sparkles i.e OTT - prefer simple and subtle.
    28. Anything with a wine stain that wonít come out...
    29. Guilt items. If you spent too much for it, dump the guilt. Youíll keep paying for it in time and attention if you donít let it go now.
    30. Multiples. Just because it looked good in cream doesnít mean you need it in every colour. One is enough.
    31. The top or bottom of a suit. They arenít sold separately for a reason.
    32. Clothes you can pet, brush or sticky roller and they still look just as bad
    33. Gym clothes that donít go to the gym!!!
    Originally posted by moneyonmymindsam

    I'm reading your old posts, this is excellent! I need to apply this to the remains of my clothes
    • doingitanyway
    • By doingitanyway 14th Apr 18, 7:45 PM
    • 3,245 Posts
    • 17,270 Thanks
    doingitanyway
    You are right Redo What a fab list
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
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