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  • FIRST POST
    • hummingbird
    • By hummingbird 4th Mar 15, 3:04 PM
    • 1,445Posts
    • 7,536Thanks
    hummingbird
    Hummingbird's Progress....Well it's time she made some!
    • #1
    • 4th Mar 15, 3:04 PM
    Hummingbird's Progress....Well it's time she made some! 4th Mar 15 at 3:04 PM
    This month is very special, which is why I've decided to take the plunge and start a diary.

    The reason it's special is that it's 10 whole years since I joined MSE!!! I only occasionally see other members who have been here as long, or longer than I have....and when I do see them I get to wonder why they seem to have written about 10,000 posts (when I've only just made it to 600 LOL!) have become debt and/or mortgage free etc etc when I feel as though I've made no progress at all!

    I also see folks who have been here a lot less time than me who have achieved amazing things!! Huge congratulations to all of you who have turned, or are turning, your lives around.

    I know some people open new accounts so perhaps some of those who have moved mountains in such a short time were here before under another name hehehe!

    However it's got to be onwards and upwards for me. It can't be true that I've made no progress whatsoever so I'm spending a bit of time mentally going over the things I've achieved since that day in March 2005 (don't remember the exact date!) when I joined the site!
    10 a day extra in May '18[B[B]]35/310[
    Virtual Sealed Pot 2018 500/2500 = 20%
    You can find my diary here:http://forums.moneysavingexpert.com/showthread.php?t=5189836
Page 1
    • DawnW
    • By DawnW 4th Mar 15, 3:36 PM
    • 5,792 Posts
    • 46,224 Thanks
    DawnW
    • #2
    • 4th Mar 15, 3:36 PM
    • #2
    • 4th Mar 15, 3:36 PM
    Well Hummingbird, another long term MSE member here - I joined in January 2006, but am a long way short of 10,000 posts - I have apparently posted 2,998 times

    Good luck with your diary, and plans to progress

    • hummingbird
    • By hummingbird 4th Mar 15, 3:41 PM
    • 1,445 Posts
    • 7,536 Thanks
    hummingbird
    • #3
    • 4th Mar 15, 3:41 PM
    • #3
    • 4th Mar 15, 3:41 PM
    Thanks Dawn, lovely to meet you! Perhaps I'll find lots of other long-term MSE'ers now! :-)

    Hope you've made progress while you've been on the site - this is an "interesting" afternoon for me, thinking about my situation!
    10 a day extra in May '18[B[B]]35/310[
    Virtual Sealed Pot 2018 500/2500 = 20%
    You can find my diary here:http://forums.moneysavingexpert.com/showthread.php?t=5189836
    • hummingbird
    • By hummingbird 4th Mar 15, 4:48 PM
    • 1,445 Posts
    • 7,536 Thanks
    hummingbird
    • #4
    • 4th Mar 15, 4:48 PM
    • #4
    • 4th Mar 15, 4:48 PM
    Well, a little bit of progress already, and very unexpected! I've just had an email from EON congratulating me on being accepted for a new tariff I applied for a few days ago.

    It's a collective switch organised by our council, and should save me 277/year.

    These collective switches work on the energy companies bidding to win the deal, and the winner this year was EON - but the problem I had was I am already an EON customer and have some arrears with them. I didn't think I had much chance of being accepted - so I'm really pleased I have. :-)

    I'll now be working to pay off the arrears asap as it will raise the monthly DD amount otherwise.
    10 a day extra in May '18[B[B]]35/310[
    Virtual Sealed Pot 2018 500/2500 = 20%
    You can find my diary here:http://forums.moneysavingexpert.com/showthread.php?t=5189836
    • hummingbird
    • By hummingbird 4th Mar 15, 11:25 PM
    • 1,445 Posts
    • 7,536 Thanks
    hummingbird
    • #5
    • 4th Mar 15, 11:25 PM
    • #5
    • 4th Mar 15, 11:25 PM
    Well I've been doing quite a bit of thinking about these last 10 years this afternoon/evening.

    Definitely HAVE made some progress in terms of who I am as a person, even if not financial.

    Back in 2005 I was newly divorced, and still in huge emotional turmoil and distress. I had become a shopaholic in order to cope, although at the time I was in denial over what I was doing.

    A lot of it stemmed from feeling I couldn't stay in the house. I don't know why I felt like this, but somehow being around the shops made me feel as if I was in company and "doing something". It wasn't as if I wasn't used to being on my own, as my husband had worked away from home a lot and often was away all week and just home for weekends.

    Even when I wasn't trailing around the shops I was buying things online and even from TV shopping channels (!!) and it's obvious to me now looking back that I was trying to fill a huge hole in my life. I had to be at work as well - if I got home early I wouldn't know what to do with myself!

    I remember one Friday afternoon after I left work I burst into tears on the way home because it was the weekend and I wouldn't be able to go to work!!!!! (Yes, when everyone else was shouting TGIF!!!)

    Since those days I have.....been on a college course, been to India and various other holidays (although I couldn't really afford them they did help me) bought a house, (or rather, got a mortgage LOL!) gained some new qualifications, updated my job skills.... and more latterly taken some time out to look after elderly parents.

    Phew!!!! So I have been doing something after all.............even if my finances have not recovered. I'm glad to report that I can now live happily without going to the shops, and can be in the house happy and contented without feeling I have to go out. It would be lovely to turn back the clock knowing what I know now and say to myself "Hey, you WILL recover, but you don't need to spend all this money, let's start saving and paying off these credit cards". But since I can't do that I have to focus now on the NEXT 10 years!
    10 a day extra in May '18[B[B]]35/310[
    Virtual Sealed Pot 2018 500/2500 = 20%
    You can find my diary here:http://forums.moneysavingexpert.com/showthread.php?t=5189836
    • Levi-
    • By Levi- 5th Mar 15, 6:02 AM
    • 1,038 Posts
    • 10,257 Thanks
    Levi-
    • #6
    • 5th Mar 15, 6:02 AM
    • #6
    • 5th Mar 15, 6:02 AM
    Subscribed to ya lovely
    - on a mission to be debt-free by the end of 2017 -
    37500 34650
    • hummingbird
    • By hummingbird 5th Mar 15, 10:29 AM
    • 1,445 Posts
    • 7,536 Thanks
    hummingbird
    • #7
    • 5th Mar 15, 10:29 AM
    • #7
    • 5th Mar 15, 10:29 AM
    Aww thanks Levi - your diary has been a real inspiration to me, so thank you so much for that!! :-) x
    10 a day extra in May '18[B[B]]35/310[
    Virtual Sealed Pot 2018 500/2500 = 20%
    You can find my diary here:http://forums.moneysavingexpert.com/showthread.php?t=5189836
    • hummingbird
    • By hummingbird 5th Mar 15, 11:47 AM
    • 1,445 Posts
    • 7,536 Thanks
    hummingbird
    • #8
    • 5th Mar 15, 11:47 AM
    • #8
    • 5th Mar 15, 11:47 AM
    Well they certainly are efficient! I've had my new Direct Debit details emailed to me from EON already!

    The thing is, it's lower than I was expecting - in fact lower than I've ever paid by DD before. Hooray!!!!! And it should be a great cause for celebration except......

    ........it doesn't seem to have taken those arrears into account, as far as I can see. Not sure what to do now..... I don't want to ring them and upset the apple cart as I haven't been finding it easy to clear these arrears.

    I think I'll just start chipping away at the arrears by making extra payments online on a regular basis. My first DD isn't until April 1st, and they may review my account after that anyway and raise the DD a bit.

    By the way it seems amazing that I can be on a tariff with exactly the same provider using exactly the same energy and for it to be 25/month cheaper!!!!!!!!
    10 a day extra in May '18[B[B]]35/310[
    Virtual Sealed Pot 2018 500/2500 = 20%
    You can find my diary here:http://forums.moneysavingexpert.com/showthread.php?t=5189836
    • TimeToChange
    • By TimeToChange 5th Mar 15, 12:30 PM
    • 63 Posts
    • 237 Thanks
    TimeToChange
    • #9
    • 5th Mar 15, 12:30 PM
    • #9
    • 5th Mar 15, 12:30 PM
    Well I've been doing quite a bit of thinking about these last 10 years this afternoon/evening.

    Definitely HAVE made some progress in terms of who I am as a person, even if not financial.

    Back in 2005 I was newly divorced, and still in huge emotional turmoil and distress. I had become a shopaholic in order to cope, although at the time I was in denial over what I was doing.

    A lot of it stemmed from feeling I couldn't stay in the house. I don't know why I felt like this, but somehow being around the shops made me feel as if I was in company and "doing something". It wasn't as if I wasn't used to being on my own, as my husband had worked away from home a lot and often was away all week and just home for weekends.

    Even when I wasn't trailing around the shops I was buying things online and even from TV shopping channels (!!) and it's obvious to me now looking back that I was trying to fill a huge hole in my life. I had to be at work as well - if I got home early I wouldn't know what to do with myself!

    I remember one Friday afternoon after I left work I burst into tears on the way home because it was the weekend and I wouldn't be able to go to work!!!!! (Yes, when everyone else was shouting TGIF!!!)

    Since those days I have.....been on a college course, been to India and various other holidays (although I couldn't really afford them they did help me) bought a house, (or rather, got a mortgage LOL!) gained some new qualifications, updated my job skills.... and more latterly taken some time out to look after elderly parents.

    Phew!!!! So I have been doing something after all.............even if my finances have not recovered. I'm glad to report that I can now live happily without going to the shops, and can be in the house happy and contented without feeling I have to go out. It would be lovely to turn back the clock knowing what I know now and say to myself "Hey, you WILL recover, but you don't need to spend all this money, let's start saving and paying off these credit cards". But since I can't do that I have to focus now on the NEXT 10 years!
    Originally posted by hummingbird

    I so totally get what you mean - i was spending money like it was going out of fashion just to try and fill a gap in my life! You are right, it must be fate that we started these together xx
    Joining Day Debts: 28933.09 - 01/03/15
    Debts today: 27905.72
    Payment a week 15 - 25.05
    Emergency Fund - 32/500
    • Levi-
    • By Levi- 5th Mar 15, 3:36 PM
    • 1,038 Posts
    • 10,257 Thanks
    Levi-
    Hey Humming - well its a mutual appreciation society here because your replies always inspire me and I am looking forward to keeping up with your diary and seeing how everything is going with you. Really glad you started one x
    - on a mission to be debt-free by the end of 2017 -
    37500 34650
    • hummingbird
    • By hummingbird 5th Mar 15, 8:21 PM
    • 1,445 Posts
    • 7,536 Thanks
    hummingbird
    Thanks for that encouragement Levi, it's going to help me a lot to have a diary I think - my reasoning is that if I focus on making progress I will get a lot further than before!

    I've just started to track all my spends using a spreadsheet. I should have done this ages ago! It started off at the beginning of the month just to track my grocery spends but has been growing to include all spends that aren't bills.

    I've never really known where my money goes - I've done spending diaries in the past but never kept up with them, but now with the spreadsheet I think I'll quickly get addicted to filling the items into the relevant columns.

    I think it will be enlightening and i'm intending to put down every penny I spend on there.

    Just a word on the lack of emoticons in my posts :-( I love them and I used to use them all the time, but for some reason I have a glitch on my laptop and all I get is a line of text, eg if I try to add the beer one this is what we get:http://static.moneysavingexpert.com/images/forum_smilies/beerchug.gif LOL!!!!!!!

    Now and again you'll see I have the emoticons and that's because I'm posting somewhere other than on this laptop!!!
    10 a day extra in May '18[B[B]]35/310[
    Virtual Sealed Pot 2018 500/2500 = 20%
    You can find my diary here:http://forums.moneysavingexpert.com/showthread.php?t=5189836
    • Levi-
    • By Levi- 5th Mar 15, 8:40 PM
    • 1,038 Posts
    • 10,257 Thanks
    Levi-
    Bummer on the emotions Hummingbird, I'm always a fan of those lol, can you see them when other people post them?

    Sounds like you're already beginning on the right foot with the EON switch Behind ya all the way you sweet little birdy x
    - on a mission to be debt-free by the end of 2017 -
    37500 34650
    • hummingbird
    • By hummingbird 5th Mar 15, 11:30 PM
    • 1,445 Posts
    • 7,536 Thanks
    hummingbird
    Thanks Levi :-) x Yes I can see the emoticons that other people put in fortunately!
    10 a day extra in May '18[B[B]]35/310[
    Virtual Sealed Pot 2018 500/2500 = 20%
    You can find my diary here:http://forums.moneysavingexpert.com/showthread.php?t=5189836
    • hummingbird
    • By hummingbird 5th Mar 15, 11:32 PM
    • 1,445 Posts
    • 7,536 Thanks
    hummingbird
    Now that's really strange ..... I got that smiley up there from the choices underneath the post. It's just the ones to the side that aren't working then! Let's try another one.
    10 a day extra in May '18[B[B]]35/310[
    Virtual Sealed Pot 2018 500/2500 = 20%
    You can find my diary here:http://forums.moneysavingexpert.com/showthread.php?t=5189836
    • hummingbird
    • By hummingbird 6th Mar 15, 11:54 AM
    • 1,445 Posts
    • 7,536 Thanks
    hummingbird
    Feeling very bright-eyed and bushy-tailed (does that make me a squirrel LOL!)

    That's probably because it's SUNNY!! Hooray!!!!! I'm very weather affected ....far too much so actually and I probably talk about it far too much. As soon as it's sunny I feel so much more energetic and although it's still cold and windy here I feel like getting about 1001 things done today!

    Bit about me : currently working from home. This was due to taking a voluntary redundancy which provided a good opportunity for me to spend time helping my Mum & Dad. Mum was very ill in 2012 (thought we were going to lose her) and she went into a nursing home, leaving my Dad somewhat distraught and overwhelmed, and needing considerable support. I was travelling a lot to Kent and still am, although things have settled down and stabilized a lot now from what they were. I still go every few weeks and stay down there for a few days.

    Work involves doing some admin for a friend who has their own business. I also like to aim to find lots of ways to increase my income. I've only just got into the diaries section of the forum, as I was always on the DFW challenges! I've let those slip really badly recently so need to get back into them. I love the "Make 10 extra a day" thread, and have had some great results in the past with that.

    There were some months last year that I was almost up to making an extra 30/day!!!!!!!! (Quite a bit through ebay)

    I also like doing the Sealed Pot challenge, to save up all the loose change which adds up over time to a lovely amount!

    I also love Topcashback, Qmee, occasionally do surveys (although I get screened out of a lot of them) and just in general am on the lookout for ways to find a few extra pennies.

    Yesterday I did something a bit naughty, but which I do every now and again (not too often.) I'd wombled a receipt from Mr T's that had 62 unclaimed Clubcard points on. It was just waiting for me to find in a trolley LOL! I took it to the Customer Service desk and the points were added no probs.

    This is quite a turnaround, come to think of it, from the girl who couldn't stay in the house a few years ago. I would never have thought then that I could work from home.......I couldn't even cope with a weekend!

    That said, I do miss my work colleagues and all the fun and banter although I know there can be pros and cons with that!
    10 a day extra in May '18[B[B]]35/310[
    Virtual Sealed Pot 2018 500/2500 = 20%
    You can find my diary here:http://forums.moneysavingexpert.com/showthread.php?t=5189836
    • snowscreamer
    • By snowscreamer 6th Mar 15, 12:27 PM
    • 500 Posts
    • 274 Thanks
    snowscreamer
    Hey Hummingbird, going to join your diary too - hope you get on well with YNAB! You will gawp in amazement too at how much less you spend per month just by setting a budget and being aware of where money is going.

    For me the picture is even clearer as we actually started using YNAB end of 2013 to get a better picture of our finances whilst buying a house. However we didn't use the budgeting feature - we just pulled in our internet banking statements and categorised spends and looked at the reports as we didn't realise there was any problem with our spending - didn't think we needed to budget! Since the house purchase our spending went crazy - and I'm not sure it was that good before; soon our bank balances were depleted and we had to cancel credit card direct debits. Still we continued although I think we were aware something had to change. Our LBM was when in one month me and OH both breached O/D limits and C/C limits (last November) - at this point we finally started budgeting (and I started my diary).

    I think one day in my diary I am actually going to post some of the YNAB reports showing our spending pre and post LBM... it's a shocker. I swear we also have barely anything to show for it. Just wasted money.
    Cleared my credit card debt of 7123.58 in a year using YNAB! Debt free date 04/12/2015.
    Enjoying sending hundreds of pounds a month to savings rather than debt repayment!
    • hummingbird
    • By hummingbird 6th Mar 15, 12:43 PM
    • 1,445 Posts
    • 7,536 Thanks
    hummingbird
    Thanks snow, really excited about this! I've never been at all good with budgeting, hence the situation I'm in of course!

    It's great to hear what an impact this has had on your finances. I've just signed up to the free 10 day course on the site. I've just received the first day's email of that, and I'm going to have a looky round the site now.

    (For anyone wondering what YNAB is .... www.youneedabudget.com
    recommended by snowscreamer!)
    10 a day extra in May '18[B[B]]35/310[
    Virtual Sealed Pot 2018 500/2500 = 20%
    You can find my diary here:http://forums.moneysavingexpert.com/showthread.php?t=5189836
    • hummingbird
    • By hummingbird 6th Mar 15, 11:41 PM
    • 1,445 Posts
    • 7,536 Thanks
    hummingbird
    Just posting another "night owl" update!

    Yes, I am a bit of a night owl. In fact, more than a bit.... but it's a habit I'm breaking gradually. My sleep patterns have been really bad over the last couple of years....it's often been a couple of nights hardly sleeping, then getting myself to the point where I'm so shattered that I get a good night.

    I've definitely noticed an improvement recently - very few nights in the last 2-3 weeks where I haven't slept although still too late to bed a lot of the time. If I can get to the point of lights out by midnight on a consistent basis that would be a huge improvement for me.

    That hasn't happened tonight though, has it? LOL! However it's the weekend so not so bad - perhaps I could aim to gradually get to bed earlier on weeknights at least.

    During the last few years I've been too tired to function properly the next day on quite a few occasions. I've definitely been feeling better overall recently! Progress there - more to come!!

    I attended a freeYNAB webinar earlier, which was an introduction to using the budgeting software. Don't think I'll be using the software itself to start with as it's another expense but there's loads of free info, webinars and support on the site. Just thinking about budgeting the way they do it is very helpful, and it allows you to make changes and adjustments as you go along (very cool!).

    And today I had a NO SPEND day whoop whoop!
    10 a day extra in May '18[B[B]]35/310[
    Virtual Sealed Pot 2018 500/2500 = 20%
    You can find my diary here:http://forums.moneysavingexpert.com/showthread.php?t=5189836
    • TimeToChange
    • By TimeToChange 7th Mar 15, 7:23 AM
    • 63 Posts
    • 237 Thanks
    TimeToChange
    Hey there Hummingbird - congrats on the no spend day! i'm having a go at my first none workday no spend day today!!!

    Girls night went well - fridge full of left overs to think up recipes for

    You sound really positive and that is amazing, it helps me stay positive too, i love all the challenges you are involved in! i think i fancy having a go at some!

    Positive thought coming your way for the day

    CC xx
    Joining Day Debts: 28933.09 - 01/03/15
    Debts today: 27905.72
    Payment a week 15 - 25.05
    Emergency Fund - 32/500
    • hummingbird
    • By hummingbird 7th Mar 15, 10:17 AM
    • 1,445 Posts
    • 7,536 Thanks
    hummingbird
    Hey CC - thanks for that, I'm looking forward to reading your update on your girlie night LOL!!! The great thing about having friends round is having all those lovely left-overs to enjoy later! It's like mmmmm cheesecake! Or wow - profiteroles!! LOL. (perhaps not so good for the waistline though hehehe)

    I really enjoy the challenges on the forum and the folks on those threads are so lovely. I'm aiming to restart some of the ones I've let slip and also perhaps find a couple of new ones to have a go at. I've always done the DFW ones but I might have a look at a grocery one as well.

    I think that the "Make 10 extra a day" thread is one of the best - it's great to read all the ways that everyone is making (or saving) extra money - and it's really supportive, you don't feel under pressure!
    10 a day extra in May '18[B[B]]35/310[
    Virtual Sealed Pot 2018 500/2500 = 20%
    You can find my diary here:http://forums.moneysavingexpert.com/showthread.php?t=5189836
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