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
    • milann
    • By milann 18th Jan 16, 11:00 PM
    • 1,702Posts
    • 7,941Thanks
    milann
    Milann's life keeps getting in the way.......
    • #1
    • 18th Jan 16, 11:00 PM
    Milann's life keeps getting in the way....... 18th Jan 16 at 11:00 PM
    Been on these forums for some time now...........good intentions of being debt free and at target weight keep coming .....and going......and life just keeps getting in the way!!!

    So it's time for a new diary to help keep me on track and push the excuses behind me and JUST DO IT....

    My debt is down to 2,500 and if I'd have shaped myself I could have had it cleared but I didn't so I need to do that pronto......
    My car was written off in November so I need to do something about getting mobile again, I'm wary of getting a rust bucket as I've had money pits in the past but the cash the insurance company paid out will only get a heap again and I refuse to get finance till I've cleared off the 2 and a half grand.......

    I've gone a bit (lot) mad and really splashed out on a weekend away for combined Christmas and birthday pressie for dh...... never paid so much to for a weekend away before but we're going to a concert. It's not until June so I have to save for that too.

    SO this week I will
    1. Do storecupboard challenge
    2. Keep spending diary
    3. Follow Slimming World plan to get back to target 6LB to go - then I don't need to pay

    Wish me luck on this last leg..............
Page 15
    • beanielou
    • By beanielou 5th Feb 18, 8:39 PM
    • 53,939 Posts
    • 213,723 Thanks
    beanielou
    Glad that you had a lovely weekend.
    Times to treasure.
    JUst remember you have come a long way.
    Cant believe you are back at work already.
    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.
    • milann
    • By milann 6th Feb 18, 4:01 PM
    • 1,702 Posts
    • 7,941 Thanks
    milann
    I know Beanie...it brought it home to me when I re-read some texts I'd sent to my friend who is the teacher from work last night - just after I'd told the kids they were moving me to a different hospital and I was going to have spinal surgery and maybe be transferred again to a hospital that specialises in cancer....scary times I don't ever want to return to...I really have come a long way and will be forever grateful to the doctors for deciding to treat me concervatively after the results of the 2nd MRI scan rather than rushing me into the surgery they'd talked about.

    Can't get my head around slimming world at the moment but I need to - will someone give me a virtual kick up the backside.

    I went to B&M on my way home from work and bought some compost to plant some heritage tomatoes, courgettes and some blue and white bedding plants. A dangerous time of year for me as one of my weaknesses was (is) buying plants. So giving the seeds a go

    My cc statement should be here in a day or so and I can do some number crunching and hopefully pay it off in full.

    Just waiting for my friend to come around for a cuppa and fill me in on funeral details for her dad who passed away with dementia....I'm hoping I can shuffle my hours around to attend.
    • beanielou
    • By beanielou 6th Feb 18, 5:04 PM
    • 53,939 Posts
    • 213,723 Thanks
    beanielou
    Sorry to hear about your friends dad.
    I need a kick too re SW.
    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.
    • milann
    • By milann 12th Feb 18, 4:22 PM
    • 1,702 Posts
    • 7,941 Thanks
    milann
    Had a bit of a busy week . I've spent a lot of time with my friend - there's not a lot I can do but I visited the cemetery with her for her mums birthday to take flowers ........its quite bizarre - her mum died when she was 16, my mum died when I was 18 so there was over 2 years between both mums passing yet their graves are on the same row of a well used, big cemetery 20 spaces from each other which is the exact number of doors we lived from each other when we were kids.....that fact has always fascinated me....anyway she is a dutiful daughter who puts flowers on her mums grave at every opportunity whereas I can't remember the last time I visited but both my mum and dad are in my thoughts most days - in fact if I hadn't have been with my friend I'm not sure I'd have found it......how bad is that! Anyway she was happy to put said flowers on the grave before her dads funeral which is another 2 weeks away!!!!! Is it just my town or are funerals taking longer and longer - this is the 2nd person since Christmas and both have had to wait 4 weeks for the funeral - it's cruel and just drags everything leaving the families in limbo....
    Phew - that was a bit of a long winded story that I hadn't planned to write.

    MSE news is I've had my cc statement - not a pretty sight with new handbag and extra spends I'd not planned. I'll need to wait for payday to number shuffle and see if this month is the month or if it's going to drag on yet another month. This month shouldn't have excessive spends though. I really hope I can do it.

    Another thing on my cc that I hadn't planned was a deposit for dh birthday present . He is 65 this year and it's our 40th wedding anniversary and I've put a deposit on a collectors item I know he'll love to do with his railway. Far more than I'd usually spend but it's a bit of a special year and he'll be surprised and hopefully thrilled with it - it will do for both celebrations. It should appreciate in value too so if we ever get in the mire financially it can be sold......I've just got to pay for it and hide it until his birthday in November - getting excited at the thought and smug I thought of it .

    I've been back at work too. 3 1/2 mornings last week. 3 mornings plus dinner time this week and 1 full day - we break up Thursday then when we go back 3/4 of my hours and full time the following week. I've been fine although my leg has a wobble in the playground if I stand still too long so I need to keeper moving.
    • milann
    • By milann 12th Feb 18, 5:01 PM
    • 1,702 Posts
    • 7,941 Thanks
    milann
    This week I've been grateful for
    - being made to feel welcome, valued and missed on my return to work
    - lazy weekend in a warm house out of the cold, cold snow
    - fairly full food cupboards of food
    • beanielou
    • By beanielou 12th Feb 18, 5:49 PM
    • 53,939 Posts
    • 213,723 Thanks
    beanielou
    Glad that work seems ok.
    Hope you are enjoying the new bag.

    Yes, funerals seem to be taking longer for some reason, not sure why.
    I 'popped' in to 'see' my dad the other day. 6 years this month. Where does the time go
    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.
    • milann
    • By milann 14th Feb 18, 11:04 PM
    • 1,702 Posts
    • 7,941 Thanks
    milann
    New bag is my guilty pleasure Beanie - used it every day.

    Pay day tomorrow so number crunching time.

    Had to buy a new kettle today ...hope it's not going to be the 1st appliance to kick the bucket - past experience tells me they usually give up the ghost in threes....

    I've been tired today so will be happy to break up for half term. But I've been walking a fair bit - probably too much as my leg heads been tired and shakey today. But I need to use it.

    I've been painting my shelves in the hall a bit at a time - think Mr M will have to do the cupboard at the top as I'm wary of ladders with a leg that tremors if I stand still too long. I'll be glad to get the hall and landing finished - it seems to be going on forever!
    • beanielou
    • By beanielou 16th Feb 18, 4:37 PM
    • 53,939 Posts
    • 213,723 Thanks
    beanielou
    JUst be careful of that leg Mrs.
    Happy half term
    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.
    • milann
    • By milann 18th Feb 18, 8:53 PM
    • 1,702 Posts
    • 7,941 Thanks
    milann
    Well Mr M didn't do the shelving at the top - he's tutted and sighed and couldn't decide which bit to paint first .....so I saw red and told him I'd do it myself......so I did!!! A bit at a time.

    All the undercoating is now done - carpenter told us to us see a shallac undercoat - it's the stuff of the devil - but it's all done now and I'm going to gloss them over the next few days in a pale grey satin colour. The doors on some of the shelving are a right royal pain - the carpenter made them in situ and the sliding doors don't come out for painting so I can understand Mr M not wanting to do them.....pity carpenter wanted so much extra to paint them. I sent dh out to buy more paint so that's something I don't have to pay for. I want them finished by Wednesday as dd and girls are coming again at weekend and eldest granddaughter is loving the shoe shelf and coat peg she can reach for herself. I'll have to put a toe behind dh to get the curtain rail, pictures and mirror I bought nearly a year ago then hall and landing will be finished

    I didn't overdo things and sat lots in between going up the ladder - but got to admit to being very wobbly tonight in 1 leg - it'll make it stronger.

    I'm quite miffed as I've had discharge letter from the original hospital I was in - stating they'd transfer me back in the care of my GP, I'd been admitted with a mass on my spine which they'd suspected was a tumor so rushed me to specialist hospital - all of which was fine. But they went into my past history and its not correct - said I'd had a previous carcinoma which I hadn't - 3 doctors asked me when I was in if the past surgery I'd had was cancer I told them 'no' and it's the same hospital I'd been treated in so they had access to my notes yet they still said I had. This got me thinking did they make a mistake and not tell me originally......but I've had so many cameras and scans done since nothing has ever showed so it can't be right. So tomorrow I'll have to ring consultants secretary to get it changed - I don't want that on my records if it's not true - more agro....

    MSE wise I can't pay my cc off in full - 200 short - the price of my bag and deposit for pressie for dh - neither of which I'd planned. It is going in the right direction though.....that'll teach me to buy big unplanned for items - I'd have done it without them
    • beanielou
    • By beanielou 18th Feb 18, 9:15 PM
    • 53,939 Posts
    • 213,723 Thanks
    beanielou
    Good news on the painting
    Be careful of the leg. Not convinced it will make it stronger!
    Good news on the CC~~that is awesome.
    Nearly there & think of the pleasure you will get from your bag & DH's present.
    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.
    • milann
    • By milann 19th Feb 18, 10:09 AM
    • 1,702 Posts
    • 7,941 Thanks
    milann
    Thanks Beanie - always the voice of reason when I'd got myself in a tizzy as I'd not managed to pay it off in full. Why are we so hard on ourselves but can see the positive of others situations.

    Well I've been chasing Doctors secretaries up on the phone this morning wanting my records changed from saying colonic carcinoma to perforated bowel. I really don't want that on my records (got enough without anymore) this last lot of docs were convinced that's what had been my previous trouble and wouldn't listen to me telling them what it actually was....but other than that I had brilliant treatment and was checked more than thoroughly and I at least know I'm mass free everywhere - just the paperwork messing things but it could cause real problems if it's left on there.

    Off to do some more painting - got a 21st cake to make for Thursday to- busy week
    Last edited by milann; 19-02-2018 at 2:38 PM.
    • milann
    • By milann 19th Feb 18, 2:40 PM
    • 1,702 Posts
    • 7,941 Thanks
    milann
    Today I'm grateful for
    Half term holibobs
    Music whilst I paint
    Frozen fish pie from batch cooking for tea
    • in need of direction
    • By in need of direction 19th Feb 18, 10:47 PM
    • 4,997 Posts
    • 28,759 Thanks
    in need of direction
    I'd suggest using the threat of a data protection complaint as information held about you is inaccurate. You may get a more prompt reaction.
    Mortgage at 01.01.14 119,481.83 today 75,897.72, target 65,000 by 31/12/18 Offset fund today 227.27 target 5,500 by 31/12/18
    Emergency fund 0.7/5.5k & 200/200 cash.
    Current weight loss RUBBISH need to refocus
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • savingholmes
    • By savingholmes 19th Feb 18, 10:57 PM
    • 8,955 Posts
    • 17,004 Thanks
    savingholmes
    HI Milann - I used to be on the forums... and have come back. Plan to resubscribe to your diary. It sounds like you've had a lot of drama lately but are coming through to the other side.
    Today is a new day 93/310 10 a day Mar Challenge DFD August 2021
    • milann
    • By milann 25th Feb 18, 7:42 PM
    • 1,702 Posts
    • 7,941 Thanks
    milann
    Thanks INOD I'll bear that in mind. I have been in touch with my GP surgery who asked me to copy the letter and put my concerns in writing which I'll do this week and give them Time to act upon them then I can come down with a heavier hand if I don't get a response.

    Hi SH - I remember you well and have often wondered where you'd got to - hope life is treating you well - have you got a diary, I'll search it out and catch up.

    Well as I expected it's been a mad mad week here. I carried on with my painting until late Tuesday night and then had to put it on hold - I'd not got as far on as I wanted.

    I spent from just after 9 am until about half 11 Wednesday night making a 2 tier birthday cake for my close friend's son 21st. My friend came around for an hour or so to be my 'gofor' and we worked out the final design. It was a Lion King theme but we didn't want it childish. The birthday gent was 21 but has a severe chromosome disorder which leaves him with limited speech, understanding and mobility but he loves going to musical shows at the theatre. He's seen Lion King several times. I was really chuffed with the cake and so was he - well worth the effort it took.

    Thursday was my friends dads funeral....it was sad but nice seeing lot so of people I'd not seen for a while.

    Friday I blitzed the house, put beds up and made the house toddler safe with ornaments etc out of reach as dd and girls came home for the weekend. It was lovely as it was only a few weeks since they were last here. Myself and dh went to the 21st party on Friday night and was going to take eldest granddaughter with us.... But she was shattered and didn't last past half 6 before she was nodding off so dd stayed in and they all had an early night. It takes nearly 5 hours from door to door when they visit

    Saturday morning at 5.30 I was woken by a tiny knock at my bedroom door with eldest granddaughter asking for grandma cuddles and stories. I tried to get her back to sleep but gave up and cams down at 6 am - then we played/cooked all morning and went to a local farm and play area which they LOVED. This morning was about half six before reading stories ....then cooked a big breakfast - took them al into town for midday to big train station where they get the train at start of journey to secure a place (there's no seats left ususally if they get on at the closest station to us) came home and cleared the disaster of a house - it looked like a hurricane had passed through instead of a 4 year and 14 month old with their mum. Then sat down and have chilled....left overs for tea.....I will be glad to get back to work for a rest....1st full day tomorrow.

    Another spendy weekend with lots of extras bought for the visitors but it was all worth it. Need to reign in now though - at least February is a short month.
    Last edited by milann; 25-02-2018 at 8:25 PM.
    • beanielou
    • By beanielou 25th Feb 18, 8:20 PM
    • 53,939 Posts
    • 213,723 Thanks
    beanielou
    Cake sounds fab.
    Glad that you had a lovely if hectic weekend
    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.
    • savingholmes
    • By savingholmes 25th Feb 18, 11:52 PM
    • 8,955 Posts
    • 17,004 Thanks
    savingholmes
    Glad you had a good time. Hope work goes well tomorrow.

    We're doing okay if we ignore debt LOL. Seriously - 60% approx of debt is car related which we could sell if need be. The other 40% tra la la la la..... walks off whistling. We're on a good income though and should clear our debts in 3-4 years.... barring any miracles or mishaps along the way. The next 12 months are challenging as DS is doing a study abroad year and we have to act as guarantor and fund him. The following year he does a placement so that will give us up to another 400 a month to chuck at debt before he does his final year. As he finishes DD is due to start although she is currently talking about getting an apprenticeship instead.... and getting paid to study which could save us and her a fortune.
    Today is a new day 93/310 10 a day Mar Challenge DFD August 2021
    • milann
    • By milann 27th Feb 18, 4:15 PM
    • 1,702 Posts
    • 7,941 Thanks
    milann
    Had a good day at work yesterday - still feels a tad strange as I'm in different classes with different children and staff - feel like the new girl....don't know whe anything is and all the routines are different.

    It was a part day today and the traffic was horrendous. I have to cross a big roundabout with motorway access half way into my journey. I only need the local roads and can do the journey in 10 minutes - it took about 45 minutes to get to this junction in the snow...usually the road clears after the motorway but the roads were still chockablock so dh dropped me off near a walking cut-through and I walked the rest of the way - so over an hour for a 10 minute journey. When I got in my little charge wasn't in......at least it was a chilled morning. I walked home which took about 45 minutes and thankfully most the snow had melted.

    SH a lot of my debt was acquired whilst mine were at uni. It's a time I wouldn't want to return to and that was before the fees were as bad as they are today. It's an experience for them though - one I didn't take. You were doing so well clearing everything SH but we're all guilty of racking the debts again and again. At least you're doing something about it.

    Today I'm grateful
    - the snow has melted
    - photos of my 2 gorgeous granddaughters in the snow this morning
    - my nice warm house
    • beanielou
    • By beanielou 27th Feb 18, 7:51 PM
    • 53,939 Posts
    • 213,723 Thanks
    beanielou
    That sounds a dire journey.
    Stay cosy.
    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.
    • Sun Addict
    • By Sun Addict 1st Mar 18, 5:07 PM
    • 5,722 Posts
    • 37,418 Thanks
    Sun Addict
    What a mess with the medical records Hope they get it sorted soon.
    Virtual Sealed Pot 2018 250.33
    Debt 2500
    May NSDs AFDs
    Weight loss 7/10LBS
    Emergency Fund 2000/10,000
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

413Posts Today

4,354Users online

Martin's Twitter
  • It's the start of mini MSE's half term. In order to be the best daddy possible, Im stopping work and going off line? https://t.co/kwjvtd75YU

  • RT @shellsince1982: @MartinSLewis thanx to your email I have just saved myself £222 by taking a SIM only deal for £7.50 a month and keeping?

  • Today's Friday twitter poll: An important question, building on yesterday's important discussions: Which is the best bit of the pizza...

  • Follow Martin