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  • FIRST POST
    • Cumbria lass
    • By Cumbria lass 1st Jan 17, 3:04 PM
    • 1,904Posts
    • 11,526Thanks
    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 48
    • Cumbria lass
    • By Cumbria lass 7th Jan 18, 8:50 AM
    • 1,904 Posts
    • 11,526 Thanks
    Cumbria lass
    Having a ramble here now , need to do shopping list really.

    I am not one for New Year resolutions because I fail miserably. One of my worst traits is that I don!!!8217;t like my routine being changed and sometimes turn down opportunities because say I haven!!!8217;t done my housework etc. Yet I always think of myself as being spontaneous! .

    This year my aim is to be more flexible , like doing my ironing on a Saturday night as that is always a Sunday afternoon chore . Accepting a free trip to the theatre on a Friday later this month , when I have needed to change my childminding arrangements slightly.

    Ramble over , shopping list to be done.
    CC1 £3475 May 2018
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 7th Jan 18, 2:25 PM
    • 4,426 Posts
    • 30,673 Thanks
    HairyHandofDartmoor
    Sounds like a good idea to try and be more flexible and spontaneous and not turn down opportunities. It's easy to get stuck into a routine too tightly.
    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 7th Jan 18, 5:38 PM
    • 1,904 Posts
    • 11,526 Thanks
    Cumbria lass
    Thanks HH I am my own worst enemy.

    Shopping was £21.39 , I am very pleased with that as the fridge was bare.

    The DGC have exhausted me, as the weather was so sunny we strode of to the park and play area . It was freezing but so lovely to see the sun. We managed an hour then came home.

    Hot bath now , will then think about dinner.
    CC1 £3475 May 2018
    • doingitanyway
    • By doingitanyway 7th Jan 18, 6:56 PM
    • 3,150 Posts
    • 15,800 Thanks
    doingitanyway
    Sounds like a lovely day with DGC. I too enjoyed the sunshine today
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • Seasidegal58
    • By Seasidegal58 7th Jan 18, 7:39 PM
    • 1,980 Posts
    • 12,240 Thanks
    Seasidegal58
    Sounds like a good idea to try and be more flexible and spontaneous and not turn down opportunities. It's easy to get stuck into a routine too tightly.
    Originally posted by HairyHandofDartmoor
    I agree - it’s easy to sink back and not be bothered. But I do think you need to take your opportunities while you can. The theatre trip is a good start and I I bet you really enjoy it.
    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!”
    • Sun Addict
    • By Sun Addict 7th Jan 18, 7:46 PM
    • 5,832 Posts
    • 38,533 Thanks
    Sun Addict
    Re New Year resolutions, I tend to decide to do something at a random time of year. Like when I joined WW it was in April and 2 weeks before we went on holiday. I think you need to be in the zone.

    My DGC wear me out too
    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 7th Jan 18, 8:00 PM
    • 1,904 Posts
    • 11,526 Thanks
    Cumbria lass
    Yep agree with you all, I am going to try and be less regimented with regards to some things.

    I am so focused on getting rid of the CC2 from jan payday any money left out of the £30 weekly shopping budget will be paid to the CC2 .
    CC1 £3475 May 2018
    • Cumbria lass
    • By Cumbria lass 8th Jan 18, 6:46 PM
    • 1,904 Posts
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    Cumbria lass
    Work has really been busy today , everyone getting back to work and routine .

    Been to the gym , it was very hard work , it was also busy it being January .

    NSD hoping for 3 this week. Friend popping round this evening for a coffee.
    CC1 £3475 May 2018
    • Seasidegal58
    • By Seasidegal58 8th Jan 18, 8:27 PM
    • 1,980 Posts
    • 12,240 Thanks
    Seasidegal58
    Yes I think we’re all back into the routine now! Well done on making the trip to the gym though. Enjoy your evening having a cuppa with your friend.
    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 8th Jan 18, 10:19 PM
    • 4,426 Posts
    • 30,673 Thanks
    HairyHandofDartmoor
    Yep agree with you all, I am going to try and be less regimented with regards to some things.

    I am so focused on getting rid of the CC2 from jan payday any money left out of the £30 weekly shopping budget will be paid to the CC2 .
    Originally posted by Cumbria lass
    You are so close to paying off CC2, I bet you can't wait .
    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 9th Jan 18, 8:50 PM
    • 1,904 Posts
    • 11,526 Thanks
    Cumbria lass
    Yes keep trying to think of ways to get rid of £355 remaining on card.

    Another NSD today, managed the gym again !

    Work was very busy again, the day flew by .

    Three bean curry for dinner with cauliflower rice.
    CC1 £3475 May 2018
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 9th Jan 18, 9:24 PM
    • 4,426 Posts
    • 30,673 Thanks
    HairyHandofDartmoor
    Dinner sounds nice. Did you put the cauliflower in the food mixer to turn it into rice?
    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
    • beanielou
    • By beanielou 9th Jan 18, 9:32 PM
    • 55,002 Posts
    • 219,577 Thanks
    beanielou
    Anything left you can sell?
    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.
    • Cumbria lass
    • By Cumbria lass 9th Jan 18, 9:34 PM
    • 1,904 Posts
    • 11,526 Thanks
    Cumbria lass
    Yes I blitz the cauliflower , then split it up and pop in the freezer till I need it. I cooked it in coconut oil with some onion and added a bit of veg stock.
    CC1 £3475 May 2018
    • Cumbria lass
    • By Cumbria lass 9th Jan 18, 9:36 PM
    • 1,904 Posts
    • 11,526 Thanks
    Cumbria lass
    Beanie, I am going to do some ebaying at some point . I need to get back into surveys , but life is rather busy at the moment.

    I will get there, think I have another £30 to overpay after the weekend.
    CC1 £3475 May 2018
    • Sun Addict
    • By Sun Addict 9th Jan 18, 9:38 PM
    • 5,832 Posts
    • 38,533 Thanks
    Sun Addict
    I can highly recommend Iceland's frozen cauli rice. It comes in four single portions packs you just pop in the microwave for 3 minutes. They also do a greens rice too although I'm not so keen on that one.
    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 9th Jan 18, 9:41 PM
    • 1,904 Posts
    • 11,526 Thanks
    Cumbria lass
    I will go and seek out an Iceland our nearest one has closed . Not sure I have ever seen it in MR A . Thank you for the recommendation.
    CC1 £3475 May 2018
    • beanielou
    • By beanielou 9th Jan 18, 9:43 PM
    • 55,002 Posts
    • 219,577 Thanks
    beanielou
    Was just reading about that iceland rice.
    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.
    • Cumbria lass
    • By Cumbria lass 9th Jan 18, 9:49 PM
    • 1,904 Posts
    • 11,526 Thanks
    Cumbria lass
    Great minds ! I use a lot of cauliflower for mash and rice as I have a friend who is carb free . Googling Iceland .
    CC1 £3475 May 2018
    • Seasidegal58
    • By Seasidegal58 10th Jan 18, 7:16 PM
    • 1,980 Posts
    • 12,240 Thanks
    Seasidegal58
    I can highly recommend Iceland's frozen cauli rice. It comes in four single portions packs you just pop in the microwave for 3 minutes. They also do a greens rice too although I'm not so keen on that one.
    Originally posted by Sun Addict
    Yes thanks for that tip SA. We have an Iceland quite near to me. Will be buying some at the weekend!
    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!”
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