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  • FIRST POST
    • doingitanyway
    • By doingitanyway 14th Jan 16, 5:50 PM
    • 3,136Posts
    • 16,463Thanks
    doingitanyway
    Dancing in the Rain
    • #1
    • 14th Jan 16, 5:50 PM
    Dancing in the Rain 14th Jan 16 at 5:50 PM
    Come and support me when you can
    Last edited by doingitanyway; Yesterday at 8:41 AM.
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
Page 86
    • doingitanyway
    • By doingitanyway 15th Sep 17, 8:21 PM
    • 3,136 Posts
    • 16,463 Thanks
    doingitanyway
    gratitude
    So, I have the facial oil and I can begin to improve my battered skin

    In the office today.

    The lunch I took was inadequate and I didn’t have any fruit in the house so couldn’t pack any. I was hungry so I bought a reduced price sandwich on the way home and 2 bags of reduced price crisps. I also bought a coffee and bought a coffee at lunchtime. An £8 massive own goal.

    Answer? Next time take coffee in to work, make it and drink on the way home. Eat more protein so I am less hungry. Pack an extra snack (apple and nut butter) for going home. Also, buy a bag of apples every week at the least as good for transportable snacks.

    I don’t mind the much more expensive face oil because it was an intentional purchase. It is the unintentional purchases that annoy me and I intend to eliminate, okay, decrease then.

    Today I am grateful for:

    My new debt statement showing interest due of just over £20 when once it was well over £100

    I am working on Sunday to cover a colleague so I have tomorrow off. I have not had a Saturday off for a long time

    Linen sheets

    All hail the weekend
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • beanielou
    • By beanielou 15th Sep 17, 8:26 PM
    • 55,520 Posts
    • 222,901 Thanks
    beanielou
    Enjoy your Saturday off
    Not to forget your lovely new face oil
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • doingitanyway
    • By doingitanyway 15th Sep 17, 8:26 PM
    • 3,136 Posts
    • 16,463 Thanks
    doingitanyway
    Enjoy your Saturday off
    Not to forget your lovely new face oil
    Originally posted by beanielou
    Thanks Beanielou. Have a good weekend
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • doingitanyway
    • By doingitanyway 17th Sep 17, 8:51 PM
    • 3,136 Posts
    • 16,463 Thanks
    doingitanyway
    dave ramsey says no
    Hello MSE folk

    I have lost track of spends, they are only small spends but I have lost track and I don’t like it. I paid for various YS bits and pieces, coffees and pointless snacks using card and contactless. I even had a breakfast roll on my way to work because I had run out of eggs!

    I am going back to taking out cash as it works better to keep me accountable

    I have been missing my veggie box. I WFH one week a month and that week I will have an organic chicken and a box of veggies.

    I think I will be happy to YS until the cows come home if I can have a nice chicken and some lovely veggies.

    I am fed up with £6448 as a figure so I paid £58 towards debt today just to see that number shift to a new number and that new number is £6,350

    I think I might start making random payments of small amounts when and if I can in future. I was worried about doing it before in case the rubbish bank called me said I had more money than they thought and asked me to do a new financial statement, but even if they do? Who cares?

    I am feeling very tempted to take my emergency fund and pay it to debt so I can get into the 5s now but Dave Ramsey says no. Dave Ramsey says build an emergency fund of £1,000 so I will

    Wishing you all a positive week
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • beanielou
    • By beanielou 17th Sep 17, 8:57 PM
    • 55,520 Posts
    • 222,901 Thanks
    beanielou
    I would turn that round.
    Pay the money off the debt & if you have an emmergency use a CC.
    That is Martin's advice I think.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • in need of direction
    • By in need of direction 18th Sep 17, 9:08 AM
    • 5,138 Posts
    • 29,981 Thanks
    in need of direction
    How much is in your emergency fund currently?
    Mortgage at 01.01.14 £119,481.83 today £74,745.76, target £65,000 by 31/12/18 Offset fund today £297.27 target £5,500 by 31/12/18
    Emergency fund £0.2/5.5k & £200/200 cash.
    Weight 8 July 14st 4lb
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • doingitanyway
    • By doingitanyway 18th Sep 17, 6:51 PM
    • 3,136 Posts
    • 16,463 Thanks
    doingitanyway
    Back to a 4 day week
    Hello Campers

    INOD, to answer your question, my emergency savings fund is £400
    Thanks Beanie, something to think about.
    ************************************************** ************************************************** *********
    I taught my private class today and it was a great class again. Thoroughly enjoyable. I also got a later train, via a cheaper route and I still got there in time.

    I spent the rest of the day just thinking and plotting and wasting time in a cafe Ner0 using a ‘free’ coffee card.

    I felt a bit ropey today. Something always goes wrong with my body when I am due a few days off so I can’t say I am surprised.

    I added up all the private work already offered to me next year and it is equal to one day’s pay so I am back to choosing to go down to 4 days at work again. I know! Back and forward on this one. I know it is getting boring, but this is the place I sort all this stuff out.

    I am getting older and I have to prioritise. I am running out of life so I need to get a move on in creating the life I want to live. I used to be brave. I will be brave again. I will let my manager know at my next supervision session, so when the next person/people leave, they can advertise my additional day.

    A lazy, TV and drinking tea evening for me

    I hope your week started well reader
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • beanielou
    • By beanielou 18th Sep 17, 8:52 PM
    • 55,520 Posts
    • 222,901 Thanks
    beanielou
    Glad that your class went so well
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • doingitanyway
    • By doingitanyway 19th Sep 17, 6:08 PM
    • 3,136 Posts
    • 16,463 Thanks
    doingitanyway
    i'm off work :)
    Day 2 of a mini 4 day staycation!

    I woke up and did some creative work for 2 hours. I have not done this for several months. It felt good.

    Washing on.
    Reading bits of the weekend papers.

    A slow breakfast. Now I am not eating after 5/6 I wake up hungry and enjoy my breakfast so much.

    Yesterday after a fruitless search for a black top I tried on an old black top I had stored away from slimmer days. Bingo! It needs a camisole underneath but that will cheaper and easier to come by. So now I have my outfit for serving guests at a charity dinner for my voluntary role. I will be on my feet from 5-11pm but I learn so much from the chefs and sommeliers and I love seeing happy people enjoying good food

    Today due to my tooth infection I did not push myself as I felt tired and not 100%. Not as bad as a migraine as I could still do things.

    I watched a human planet documentary
    I did further creative work
    I had an afternoon nap

    The house is still a mess and there are dishes So much to do but I am strangely okay about that today. I ate leftovers today and tomorrows meal can be leftovers too. I defrosted berries for breakfast as I have some YS yoghurt from a few days back. I am hoping I feel better and more energised and I can have a swim tomorrow.

    I hope your day went well reader
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • JoJoC
    • By JoJoC 20th Sep 17, 9:49 AM
    • 1,128 Posts
    • 6,859 Thanks
    JoJoC
    Your day sounds really productive, despite not being 100% The dishes can wait...

    I love repurposing/ re-finding old clothes! I've made many a new outfit come together with an old top that i'd packed away

    Enjoy the rest of your staycation and I hope you're on the mend soon!
    CC1: £4481.14/ £5031.14 (12% paid off, £600) | CC2:£3307/ £3807 (14.4% paid off, £550) | Loan: £10,528.20/ £15,792.30((33% paid off, £5,264))

    July debt total: £24,630.44 | New debt total: £18,316.34 | Total debt paid: £6,414.10 (26%)
    *My debt busting and savings diary*
    • parsniphead
    • By parsniphead 20th Sep 17, 11:35 AM
    • 2,526 Posts
    • 16,123 Thanks
    parsniphead
    Ouch to the tooth infection. I hope it's better soon for you.

    Enjoy your mini break form work.
    My mini challenge: pay off MBNA by 31/08/18. £502/£502 100% (paid off 30/06/18 - 2 months early )
    Next small debt victim £20/£367 - you're going by 31/08/2018
    Total outstanding consumer debt - £735.68/ £7864.52 9.3%
    • beanielou
    • By beanielou 20th Sep 17, 7:02 PM
    • 55,520 Posts
    • 222,901 Thanks
    beanielou
    Happy new hair
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • durgaprasadzone
    • By durgaprasadzone 20th Sep 17, 7:18 PM
    • 4 Posts
    • 4 Thanks
    durgaprasadzone
    thanks for sharring info.....
    • doingitanyway
    • By doingitanyway 24th Sep 17, 10:41 PM
    • 3,136 Posts
    • 16,463 Thanks
    doingitanyway
    heading for the light
    A tough few days here at DIA Towers… Control has been lost, but onwards and upwards.

    My debt is now in the 5s, not just scrapping under either. I am at £5,500.

    I have got a grip and I will keep on heading for the light

    Have a good week everyone
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • JoJoC
    • By JoJoC 25th Sep 17, 11:25 AM
    • 1,128 Posts
    • 6,859 Thanks
    JoJoC
    Sorry to hear you've had some tough days - are you feeling a bit more together now?

    Wow to the debt figure - you'll be out of this in no time at all! Well done!

    J
    CC1: £4481.14/ £5031.14 (12% paid off, £600) | CC2:£3307/ £3807 (14.4% paid off, £550) | Loan: £10,528.20/ £15,792.30((33% paid off, £5,264))

    July debt total: £24,630.44 | New debt total: £18,316.34 | Total debt paid: £6,414.10 (26%)
    *My debt busting and savings diary*
    • parsniphead
    • By parsniphead 25th Sep 17, 11:40 AM
    • 2,526 Posts
    • 16,123 Thanks
    parsniphead
    Sorry to hear you've had a difficult few days. I hope things have improved now.

    You will sort that debt. Keep the faith.
    My mini challenge: pay off MBNA by 31/08/18. £502/£502 100% (paid off 30/06/18 - 2 months early )
    Next small debt victim £20/£367 - you're going by 31/08/2018
    Total outstanding consumer debt - £735.68/ £7864.52 9.3%
    • beanielou
    • By beanielou 25th Sep 17, 1:05 PM
    • 55,520 Posts
    • 222,901 Thanks
    beanielou
    Sorry that you have had a few tough days.
    But wow to your new debt figure
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • in need of direction
    • By in need of direction 25th Sep 17, 4:31 PM
    • 5,138 Posts
    • 29,981 Thanks
    in need of direction
    amazing work on the debt. hope the tooth gets sorted soon
    Mortgage at 01.01.14 £119,481.83 today £74,745.76, target £65,000 by 31/12/18 Offset fund today £297.27 target £5,500 by 31/12/18
    Emergency fund £0.2/5.5k & £200/200 cash.
    Weight 8 July 14st 4lb
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • doingitanyway
    • By doingitanyway 25th Sep 17, 5:14 PM
    • 3,136 Posts
    • 16,463 Thanks
    doingitanyway
    tracking
    Thanks everyone for the support. This is such a lovely space to be in when things are good or when they are not so good

    Health issues and sick loved ones have been making life especially difficult. I have been feeling a bit vulnerable but I don’t wish to moan or spread negativity

    I’ve been thinking of Beanielou having falls. I do empathise Beanielou. I have been lucky with my health generally but to be out in public and feel unwell is scary. This has been my reality for several days. Life is still overwhelming JoJo. Quite simply there are too many demands on my time so I let go of the lovely things that give me pleasure so I can do the ‘have to do’ things. It is partly my fault as I am struggling to get the work done for a course I am tutoring over the weekend

    To improve my situation I have moved my TV downstairs so I can clean and cook whilst watching TV. I may sleep better too without a TV in the bedroom.

    I am back to tracking spending. I spent £30 on food today. The plan is not to spend on any more food this week. Coffee was half price so I bought 4 bags. I treated myself to an organic, free range chicken as they are 25% off.

    I am only using cash during October.

    I hope you all got off to a good start this week
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • Orange Ena
    • By Orange Ena 25th Sep 17, 8:51 PM
    • 1,254 Posts
    • 3,328 Thanks
    Orange Ena
    I am getting older and I have to prioritise. I am running out of life so I need to get a move on in creating the life I want to live.
    Originally posted by doingitanyway
    Oh my goodness, this is how I feel. I don't want to carry on my life as it is, I want something different before it's too late. We ARE getting there, heading towards new beginnings

    Sorry things have been a bit up and down lately but fingers crossed it gets better very soon.

    Wishing you a lovely week x
    CC Debt April 2015 - £6895.44 April 17 - £2500 Dec 17 - £560
    CHEFS challenge (Cruise Holiday Entirely Funded by Surveys) - £374.47
    Every penny is a prisoner
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