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  • FIRST POST
    • Cumbria lass
    • By Cumbria lass 1st Jan 17, 3:04 PM
    • 2,411Posts
    • 14,881Thanks
    Cumbria lass
    New Journey
    • #1
    • 1st Jan 17, 3:04 PM
    New Journey 1st Jan 17 at 3:04 PM
    I have been hanging around the diaries for around a month , decided to subscribe a get rid of the debt once and for all. I had a dmp which ended 3 years ago but owing to a drop in salary have managed to get myself in around 5 k debt again. Once I have Jan statements for credit card will be able to tell true figures.

    I have signed up for swag bucks today and done a couple of surveys. Need to do SOA , but not sure how much to put in categories like household repairs for one .

    Any help filling it in gratefully received.
Page 106
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 5th Nov 18, 8:56 PM
    • 5,765 Posts
    • 40,792 Thanks
    HairyHandofDartmoor
    Glad work was good today. I hope the background stuff works out the best way it can for you.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    EMERGENCY FUND = £17
    "Tough times never last, but tough people do" - Robert H Schuller
    • beanielou
    • By beanielou 5th Nov 18, 9:12 PM
    • 58,067 Posts
    • 239,144 Thanks
    beanielou
    Hope all the background stuff works out as you hope
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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. MFW 2018. No 144
    • Lilith1980
    • By Lilith1980 6th Nov 18, 5:01 AM
    • 1,935 Posts
    • 5,585 Thanks
    Lilith1980
    I cant believe Australia is so close now, how exciting!
    My debt-free diary
    • Cumbria lass
    • By Cumbria lass 6th Nov 18, 8:57 PM
    • 2,411 Posts
    • 14,881 Thanks
    Cumbria lass
    Early finish today 2pm so I could go and see parents on their return from hols. Lovely to see them and they came bearing gifts from Spain. All useful things , denim cut offs and harem pants. My dad is getting hard work though , he is so stuck in the 1900's with his ideas on how the world should be. I guess at nearly 80 he isn't going to change.

    Another NSD , hoping for the same tomorrow.
    CC1 £3500 Nov 2018.
    • BalanceBy50
    • By BalanceBy50 7th Nov 18, 9:33 AM
    • 18 Posts
    • 86 Thanks
    BalanceBy50
    Love your diary Cumbria and your love of the lakes.

    I can totally identify how you feel about your dad - my dad told me i was lucky that my husband gave me so much freedom to do what i wanted to do I was gobsmacked and then really cross as i started justifying myself rather than just saying that me and DH were really happy with our relationship!

    I hope you have a wondeful trip to Australia - my sister lives in Perth and i am hoping to take my two small boys out to see her in a couple of years. I have spent a lot of time in Sydney but never been to the west coast.
    • Cumbria lass
    • By Cumbria lass 7th Nov 18, 9:23 PM
    • 2,411 Posts
    • 14,881 Thanks
    Cumbria lass
    Love your diary Cumbria and your love of the lakes.

    I can totally identify how you feel about your dad - my dad told me i was lucky that my husband gave me so much freedom to do what i wanted to do I was gobsmacked and then really cross as i started justifying myself rather than just saying that me and DH were really happy with our relationship!

    I hope you have a wondeful trip to Australia - my sister lives in Perth and i am hoping to take my two small boys out to see her in a couple of years. I have spent a lot of time in Sydney but never been to the west coast.
    Originally posted by BalanceBy50
    Always nice to hear from another forumite.

    Yes my love of the lakes is what keeps me going sometimes, knowing I will be seeing my hills soon

    I have never been to the West Coast either , must make it there one day. I am very lucky to have the chance to travel to Sydney.
    CC1 £3500 Nov 2018.
    • Cumbria lass
    • By Cumbria lass 7th Nov 18, 9:25 PM
    • 2,411 Posts
    • 14,881 Thanks
    Cumbria lass
    Long day , in work by 7.15 am , left at 5pm to go to meeting to do with volunteering at 5.30pm. Home by 7.45pm , feel ever so tired.

    NSD 3 but the fridge is looking very bare , but hoping to last until Sunday without food shopping.

    Bed now for me.
    CC1 £3500 Nov 2018.
    • Seasidegal58
    • By Seasidegal58 8th Nov 18, 10:39 AM
    • 2,264 Posts
    • 14,001 Thanks
    Seasidegal58
    Hi Cumbria - just caught up with your goings on. Echoing everyone in that I hope things work out with the background stuff.

    You're so incredibly organised and well done on getting everything ready early Xmaswise before you go off to Aussie. Not long now - you must be getting so excited.

    I don't think you'll change your Dad's views now! Too late!. I worry that as I'm getting older I'll morph into a 'Dad!' Hope not!

    Hope you're feeling more energised today after a tiring yesterday.
    X
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 07/11/2018 - £1771.05
    MONTHS TO RETIREMENT: 30
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    • Cumbria lass
    • By Cumbria lass 9th Nov 18, 7:32 AM
    • 2,411 Posts
    • 14,881 Thanks
    Cumbria lass
    Hi Cumbria - just caught up with your goings on. Echoing everyone in that I hope things work out with the background stuff.

    You're so incredibly organised and well done on getting everything ready early Xmaswise before you go off to Aussie. Not long now - you must be getting so excited.

    I don't think you'll change your Dad's views now! Too late!. I worry that as I'm getting older I'll morph into a 'Dad!' Hope not!

    Hope you're feeling more energised today after a tiring yesterday.
    X
    Originally posted by Seasidegal58
    Thank you SSG for dropping in .
    CC1 £3500 Nov 2018.
    • Cumbria lass
    • By Cumbria lass 9th Nov 18, 7:43 AM
    • 2,411 Posts
    • 14,881 Thanks
    Cumbria lass
    Background stuff rumbles on and will carry on into the new year .

    Yesterday was NSD 4 . The fridge is so empty it's embarrassing. I have worked out though what I am having tonight , tomorrow I am out for lunch so only snack needed.

    Today DGD day will be spent having a walk, maybe the park , see my parents and then pick DGS up from school. I will try and do some housework tonight as I have a busy day tomorrow.

    Ready to start the day.
    CC1 £3500 Nov 2018.
    • Seasidegal58
    • By Seasidegal58 9th Nov 18, 4:53 PM
    • 2,264 Posts
    • 14,001 Thanks
    Seasidegal58
    NSDS are going well! Well done! Will be taking a leaf out of your book as I have to keep day to day spends down for the next month.
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 07/11/2018 - £1771.05
    MONTHS TO RETIREMENT: 30
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    • doingitanyway
    • By doingitanyway 9th Nov 18, 5:33 PM
    • 3,531 Posts
    • 19,554 Thanks
    doingitanyway
    Your holiday is almost here!
    We are on the same number of NSDs for November
    My fridge is also a bit empty. Kippers and soup tonight so I don't break a NSD.
    After the housework make sure you have a little treat!
    Emergency fund 1060/1000
    NSD November 6/30
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 9th Nov 18, 5:35 PM
    • 5,765 Posts
    • 40,792 Thanks
    HairyHandofDartmoor
    I hope you had a good day with the DGC today and managed to feed yourself .
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    EMERGENCY FUND = £17
    "Tough times never last, but tough people do" - Robert H Schuller
    • Cumbria lass
    • By Cumbria lass 9th Nov 18, 7:53 PM
    • 2,411 Posts
    • 14,881 Thanks
    Cumbria lass
    My day ended up being very long DGS was invited to a party at 5.00pm , I ended up taking him as one parent got stuck in traffic. Hence I have only just arrived home . Tea is some toast !

    Tomorrow I am on karate duty for DGS and then I am off to spend the day with my friend , as she is going away and it's our last chance to meet up before my holiday.

    Can't wait for a bath and bed.
    CC1 £3500 Nov 2018.
    • beanielou
    • By beanielou 9th Nov 18, 8:24 PM
    • 58,067 Posts
    • 239,144 Thanks
    beanielou
    You have had a very busy bee day today.
    Have a lovely day with your friend tomorrow.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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. MFW 2018. No 144
    • Cumbria lass
    • By Cumbria lass 10th Nov 18, 8:10 PM
    • 2,411 Posts
    • 14,881 Thanks
    Cumbria lass
    Another busy day , karate with DGS I enjoyed watching him . Then a 45 minute trip to my very best friends . We went for lunch , had a little whirl round her nearest big village and went in a very nice gift shop. I am pleased to say I didn't buy anything . I paid £7 for lunch so not a bad day.

    Came home and did the cleaning , so I can go shopping tomorrow, then ironing. I am also going for my currency tomorrow then that's another job done .

    Glass of wine now .
    CC1 £3500 Nov 2018.
    • beanielou
    • By beanielou 10th Nov 18, 8:27 PM
    • 58,067 Posts
    • 239,144 Thanks
    beanielou
    Sounds like a good day
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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. MFW 2018. No 144
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 10th Nov 18, 8:51 PM
    • 5,765 Posts
    • 40,792 Thanks
    HairyHandofDartmoor
    Sounds like a nice social Saturday .
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    EMERGENCY FUND = £17
    "Tough times never last, but tough people do" - Robert H Schuller
    • Seasidegal58
    • By Seasidegal58 10th Nov 18, 9:52 PM
    • 2,264 Posts
    • 14,001 Thanks
    Seasidegal58
    I think little children look so cute when they are practising karate! DD used to go when she was a child up to her early teens.

    Your day out with your BF sounded perfect. Well done on resisting the tempting gift shop!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 07/11/2018 - £1771.05
    MONTHS TO RETIREMENT: 30
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    • Cumbria lass
    • By Cumbria lass 11th Nov 18, 8:21 AM
    • 2,411 Posts
    • 14,881 Thanks
    Cumbria lass
    I have spent sometime this morning working out how far I have got to paying of CC . My calculations show that by the end of the year I will have paid for my holiday to Australia and the silliness spending in the summer . I will be starting the New Year with the same amount of debt as I started 2018 with.

    I am going to try and really go for it next year but am not giving myself an end date as I will get fed up. My mindset has completely changed now towards money , I do occasionally use a credit card but it gets paid off in full. I have an emergency fund , save for insurances to pay in full. Have a Xmas fund and still manage to live a fairly good life on my salary even paying rent.

    Through saving for things I bought Westlife tickets for myself and DD , long time ago it would have gone on the CC . Didn't fall for spice girl tickets though .

    That's my little me me post finished .
    CC1 £3500 Nov 2018.
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