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  • FIRST POST
    • Cumbria lass
    • By Cumbria lass 1st Jan 17, 3:04 PM
    • 1,891Posts
    • 11,491Thanks
    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 47
    • Seasidegal58
    • By Seasidegal58 2nd Jan 18, 9:40 PM
    • 1,980 Posts
    • 12,230 Thanks
    Seasidegal58
    The membership sounds seriously good value Cumbria.
    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 2nd Jan 18, 9:44 PM
    • 1,891 Posts
    • 11,491 Thanks
    Cumbria lass
    It!!!8217;s something I have never considered before but looking back I should have got it a while ago. I go at least twice a year minimum to visit them , plus my grandson will be able to get in free with me as well. Already looking through the book where we can go.
    CC1 £3475 May 2018
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 2nd Jan 18, 10:09 PM
    • 4,410 Posts
    • 30,555 Thanks
    HairyHandofDartmoor
    I think that's a good idea to join English Heritage Cumbria. DH and I are going to join the National Trust with some of our Xmas money because there are lots of nice venues in Devon and we'll get free days out for a year; it will pay for itself after two visits .
    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
    • Plain Jane
    • By Plain Jane 3rd Jan 18, 1:30 PM
    • 81 Posts
    • 131 Thanks
    Plain Jane
    Happy Anniversary and Happy New Year Cumbria Lass xx
    • Poor_Single_lady
    • By Poor_Single_lady 3rd Jan 18, 7:12 PM
    • 1,399 Posts
    • 5,389 Thanks
    Poor_Single_lady
    Hope you are ok in the storms.

    Thank you for popping into my thread. It's very boring at the moment so I will visit you here.

    I love the idea of English heritage membership. Loads of places you can visit. You are going to have a great year Cumbria.

    Looking forward to your updates. xxx
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • Scott_Weiland
    • By Scott_Weiland 3rd Jan 18, 11:29 PM
    • 799 Posts
    • 2,024 Thanks
    Scott_Weiland
    So where did you visit over our way??
    Cashback Earnings YTD £46.04 Survey Earnings YTD £182.66
    "Always always train, be the best version of you that you can physically be"
    • Cumbria lass
    • By Cumbria lass 4th Jan 18, 8:47 PM
    • 1,891 Posts
    • 11,491 Thanks
    Cumbria lass
    Scott I was near Durham , bit to south for you probably.

    NSD 2 much needed . I sold my 5 yr old iPad and got £90 for it . Not sure what I am doing with it yet, will decide in the next couple of days .

    Have updated debt totals and CC2 looks so near to clearing .
    CC1 £3475 May 2018
    • Seasidegal58
    • By Seasidegal58 4th Jan 18, 10:15 PM
    • 1,980 Posts
    • 12,230 Thanks
    Seasidegal58
    Well done on the iPad!. I’m sure you’ll put the proceeds to good use!
    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!”
    • beanielou
    • By beanielou 4th Jan 18, 10:27 PM
    • 54,919 Posts
    • 219,276 Thanks
    beanielou
    Great news
    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.
    • Scott_Weiland
    • By Scott_Weiland 5th Jan 18, 12:47 AM
    • 799 Posts
    • 2,024 Thanks
    Scott_Weiland
    Scott I was near Durham , bit to south for you probably.

    NSD 2 much needed . I sold my 5 yr old iPad and got £90 for it . Not sure what I am doing with it yet, will decide in the next couple of days .

    Have updated debt totals and CC2 looks so near to clearing .
    Originally posted by Cumbria lass
    Maybe not that far away lol i live 20mins from durham city.
    Cashback Earnings YTD £46.04 Survey Earnings YTD £182.66
    "Always always train, be the best version of you that you can physically be"
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 5th Jan 18, 8:45 AM
    • 4,410 Posts
    • 30,555 Thanks
    HairyHandofDartmoor
    Scott I was near Durham , bit to south for you probably.

    NSD 2 much needed . I sold my 5 yr old iPad and got £90 for it . Not sure what I am doing with it yet, will decide in the next couple of days .

    Have updated debt totals and CC2 looks so near to clearing .
    Originally posted by Cumbria lass
    Fantastic well done .
    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
    • Cumbria lass
    • By Cumbria lass 5th Jan 18, 8:33 PM
    • 1,891 Posts
    • 11,491 Thanks
    Cumbria lass
    Confession time again, I said no clothes till Easter . After m@s not delivering my sale shopping after them being ordered , I of course got a refund of £18. Fast forward to today , m@s outlet had what I had ordered online in the store , albeit £2 dearer each , somehow these things appeared in my hands and next thing I knew we were at the till. My size is not often available in this underwear range so I bought 4 . £11x4 = £44 -£18 =£26 . Then was in Trafford Centre to have my bracelet mended that was £15 , plus drinks for myself and DGS £4.20 . This money around £45 came out of the £90money for iPad . The rest has gone off CC2 .

    As SSG said I complained to M&S about how let down I was with the sale items , they offered me a£10 voucher of course I didn!!!8217;t decline it.

    I am hoping no underwear will be needed this year.

    Not much planned for weekend.
    CC1 £3475 May 2018
    • Seasidegal58
    • By Seasidegal58 5th Jan 18, 8:44 PM
    • 1,980 Posts
    • 12,230 Thanks
    Seasidegal58
    Well sometimes I think you’ve got to grab things while you can. I’m the same with M&S and sizing - so if I see something I will get a lot of wear out of and its in my size I’ll buy it. I’m also thinking of looking around on Marisota to see if they have any boots in the sale. They’re dropping in price and I could do with a new black pair to see winter out and take me into next winter.

    At least you paid off some of the CC! And well done on the voucher as well!
    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!”
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 5th Jan 18, 9:30 PM
    • 4,410 Posts
    • 30,555 Thanks
    HairyHandofDartmoor
    You'll get a lot of use out of them Cumbria so it sounded like a good buy to me. Comfortable underwear is very important. Have a good weekend .
    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
    • Cumbria lass
    • By Cumbria lass 6th Jan 18, 7:42 PM
    • 1,891 Posts
    • 11,491 Thanks
    Cumbria lass
    NSD spent at home mostly . Going to visit friends next weekend, travelling Friday night , booked Travelodge with special offer 50% off and cash back. Can cancel if needed.

    About to do big ironing pile as busy afternoon tomorrow, looking after DGC .

    Need to do shopping list and meal plan.
    CC1 £3475 May 2018
    • WannabeFree
    • By WannabeFree 6th Jan 18, 7:49 PM
    • 1,593 Posts
    • 14,007 Thanks
    WannabeFree
    I agree with others, I think it was a good idea to pick them up while you could.

    Well done on cc2 being so close to Zero!

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • Cumbria lass
    • By Cumbria lass 6th Jan 18, 8:12 PM
    • 1,891 Posts
    • 11,491 Thanks
    Cumbria lass
    Doing a mahoosive ironing pile , what a great way to spend Saturday night , the radio, glass of vino , and the ironing .
    CC1 £3475 May 2018
    • Seasidegal58
    • By Seasidegal58 6th Jan 18, 8:43 PM
    • 1,980 Posts
    • 12,230 Thanks
    Seasidegal58
    Doing a mahoosive ironing pile , what a great way to spend Saturday night , the radio, glass of vino , and the ironing .
    Originally posted by Cumbria lass
    I’m leaving my ironing pile till tomorrow........ hee hee!
    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 6th Jan 18, 8:45 PM
    • 1,891 Posts
    • 11,491 Thanks
    Cumbria lass
    I normally do ironing Sunday , but have been drafted in for grandma duties !
    CC1 £3475 May 2018
    • Cumbria lass
    • By Cumbria lass 6th Jan 18, 10:01 PM
    • 1,891 Posts
    • 11,491 Thanks
    Cumbria lass
    Ironing all done and put away . Having toast and hot chocolate , then bed.
    CC1 £3475 May 2018
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