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  • FIRST POST
    • Cumbria lass
    • By Cumbria lass 1st Jan 17, 3:04 PM
    • 1,907Posts
    • 11,562Thanks
    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 40
    • Cumbria lass
    • By Cumbria lass 6th Dec 17, 7:10 PM
    • 1,907 Posts
    • 11,562 Thanks
    Cumbria lass
    JoJoC the recipe I use for the three bean curry is from beaniesvegan kitchen.com. I did try to link it to the post but it didn't work.

    I use different beans each time I make it for a bit of variety, it's cheap to make as well.
    CC1 £3475 May 2018
    • Cumbria lass
    • By Cumbria lass 6th Dec 17, 7:18 PM
    • 1,907 Posts
    • 11,562 Thanks
    Cumbria lass
    Redfromstart that's a good idea to offer a word of encouragement, you are right it is lonely at first .

    Today was the visit to the doctor with my stomach issues. Suffice to say the doctor was fantastic, I am having a battery of blood tests and other procedures to rule out lots of things . It will probably be IBS but at least I will know every angle has been covered.

    I know everyone is feeling the lack of enthusiasm at the moment , everything I am doing is for Christmas. Gym visits aren't happening as often as they should , have done no surveys for weeks .

    I am determined on Monday I want to have two normal weeks before the Christmas break .

    Was very giddy at my petrol price paid. I can't wait for January to see how much I have paid off my debt .
    CC1 £3475 May 2018
    • beanielou
    • By beanielou 6th Dec 17, 7:30 PM
    • 55,020 Posts
    • 219,759 Thanks
    beanielou
    Glad visit to Dr went 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 6th Dec 17, 7:31 PM
    • 3,156 Posts
    • 15,829 Thanks
    doingitanyway
    Despite my best intentions I am struggling with the gym at the moment too

    It is great that you have such a good GP. I had a rubbish one for ages but the one I changed to is great...
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • 117pauline
    • By 117pauline 6th Dec 17, 7:39 PM
    • 653 Posts
    • 7,282 Thanks
    117pauline
    Hi Cumbria Lass

    I think it is that funny time just before Christmas when there seems to be so many stresses. I have that feeling that everyone is having a fantastic time but me. Even if I know that is skewed thinking.

    Get your GP to check you don't have bile acid malabsorbtion. It's what I have and means I drink a powder mixed into wallpaper paste, well that's what it looks like. That and reducing additives helps. I'm pleased they took you seriously. It helps to make you feel as though you aren't losing it! Mine is fantastic, she even gave me a hug today.

    Thanks for visiting my new diary too, it's good to have visitors

    Take care honey
    Pauline
    Don't get it perfect - Get it going
    Better Than Before
    • Cumbria lass
    • By Cumbria lass 6th Dec 17, 7:54 PM
    • 1,907 Posts
    • 11,562 Thanks
    Cumbria lass
    Thank you Pauline for the advice , I will certainly ask when I go for my blood tests .
    CC1 £3475 May 2018
    • debtaghh
    • By debtaghh 6th Dec 17, 8:29 PM
    • 1,267 Posts
    • 4,806 Thanks
    debtaghh
    Glad the doctors went well, hopefully the blood tests will be able to rule out things.
    Debt 16th October 2017: Cc £49,987- family £37,561: total debt £87549

    Current debt: Cc £43,953 , Family £ 39,264 total debt £83,217

    Frugal living challenge # 10- £8000 presents/ food/ entertainment/clothes/shoes/haircuts
    • Cumbria lass
    • By Cumbria lass 7th Dec 17, 5:06 PM
    • 1,907 Posts
    • 11,562 Thanks
    Cumbria lass
    Phone selling not gone to plan from offering £149 they turned round and said it was in bad condition well I'm sorry but I took photos of my phone and it was immaculate. Anyway have asked for it to be returned will sell on EBay. The wanted me to accept £80 , last year I would have said yes but not now.

    Off out for meal with friends have £30 allocated hope to come back with change . Not looking forward to the snow at all .
    CC1 £3475 May 2018
    • beanielou
    • By beanielou 7th Dec 17, 5:15 PM
    • 55,020 Posts
    • 219,759 Thanks
    beanielou
    What a blooming swizz.
    Not looking forward to the snow either
    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.
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 7th Dec 17, 5:37 PM
    • 4,426 Posts
    • 30,694 Thanks
    HairyHandofDartmoor
    I'm glad you've been to the doctor Cumbria. If it's IBS there are a few tablets that can help a bit. I take Mebeverine for mine but Buscopan is also good and can be bought over the counter.

    Annoying about the phone, it feels like they're trying to scam you .

    I know what you mean about the pre Christmas period, my exercise routine and healthy eating have gone right out of the window recently .
    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.
    "Tough times never last, but tough people do" - Robert H Schuller
    • Sun Addict
    • By Sun Addict 7th Dec 17, 9:15 PM
    • 5,836 Posts
    • 38,560 Thanks
    Sun Addict
    Glad you're getting the stomach issues sorted and that your GP is on the ball.

    Once December starts it's all too easy to use the excuse of "well it's Christmas" to go right off the rails with everything. (End of November onwards to be honest.)
    Virtual Sealed Pot 2018 £296.07
    Debt £2400
    June 4 NSDs 4 AFDs
    Weight loss 0.5/6LBS
    Emergency Fund £2000/£10,000
    • Cumbria lass
    • By Cumbria lass 8th Dec 17, 8:03 AM
    • 1,907 Posts
    • 11,562 Thanks
    Cumbria lass
    Lovely night out with friends , spent £20 food wasn't that good , we didn't stay for coffee .

    Today is DGS nativity and I am so looking forward to it.

    It's a wee bit cold , but the blooming white stuff hasn't arrived yet !

    Keep warm .
    CC1 £3475 May 2018
    • WannabeFree
    • By WannabeFree 8th Dec 17, 9:24 AM
    • 1,616 Posts
    • 14,108 Thanks
    WannabeFree
    The only white stuff we have is ice! It's really bad because we don't get the gritter on our road and no one really uses it Kids love it though!

    Have a lovely time at DGS nativity x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • doingitanyway
    • By doingitanyway 8th Dec 17, 1:13 PM
    • 3,156 Posts
    • 15,829 Thanks
    doingitanyway
    Cold here too but my thermals are a great help

    Enjoy the nativity.
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 8th Dec 17, 6:52 PM
    • 4,426 Posts
    • 30,694 Thanks
    HairyHandofDartmoor
    Enjoy the nativity Cumbria.

    Are you pleased there's no snow? It's been snowing on Dartmoor but I'm not sure if it's settled. I haven't noticed any in my road, shame because I quite like snow .
    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.
    "Tough times never last, but tough people do" - Robert H Schuller
    • Seasidegal58
    • By Seasidegal58 8th Dec 17, 8:39 PM
    • 1,980 Posts
    • 12,242 Thanks
    Seasidegal58
    Glad you enjoyed your time with your friends. Hope the nativity went well. I bet they all looked so cute.
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 20/05/2018: £646.59
    MONTHS TO RETIREMENT: 35!
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    • Cumbria lass
    • By Cumbria lass 10th Dec 17, 2:08 PM
    • 1,907 Posts
    • 11,562 Thanks
    Cumbria lass
    Well today has been a pj day , seem to have succumbed to the cough going around work, amazingly the stomach has been ok ! . We have no snow on the ground , just the odd flurry . Not remotely jealous of your snow down south , it just causes chaos. Nice for kids, photos and Father Christmas.

    The navitity was so cute , just typical 3 and 4 yr olds , DGS loved it and I feel privileged to have seen him. Took parents shopping yesterday , as forecast seemed worse today , when in fact it snowed here yesterday. Shop at Mr A was £33.30 it included some wine for Christmas. £7 in Mr s gluten free stuff.
    Parents been round with homemade soup and medication , eternally grateful to them.

    Have more soup cooking with all the leftover veg in the fridge plus some pasta gluten free from Spain gifted by parents . It's ideal for soup it's so small.
    The ironing mountain is no more , flat looking very Christmassy, but minimal.

    Hoping to start wrapping very soon , we will see.

    Stay warm everyone and enjoy the snow if you are in the South .
    CC1 £3475 May 2018
    • Seasidegal58
    • By Seasidegal58 10th Dec 17, 2:27 PM
    • 1,980 Posts
    • 12,242 Thanks
    Seasidegal58
    Hope you feel better Cumbria - pj day sounds the order of the day.

    I love a Christmassy minimal home!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 20/05/2018: £646.59
    MONTHS TO RETIREMENT: 35!
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    • boxofpaws
    • By boxofpaws 10th Dec 17, 2:56 PM
    • 493 Posts
    • 2,130 Thanks
    boxofpaws
    Hello Cumbria Lass, just popping by

    Fab that your doctor is so thorough, I'm sure they'll have it cracked in no time at all.

    You sound all organised and relaxed, I have Christmas prep envy.

    I hope your lovely friend can come back soon

    Paws x
    Debt 03/01/17 = £42000
    Debt today = £27,819.22
    • Scott_Weiland
    • By Scott_Weiland 10th Dec 17, 3:16 PM
    • 799 Posts
    • 2,028 Thanks
    Scott_Weiland
    Sorry re the phone my fault ooooops x They can be awkward gits mazuma and music magpie.
    Cashback Earnings YTD £46.04 Survey Earnings YTD £182.66
    "Always always train, be the best version of you that you can physically be"
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