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  • FIRST POST
    • Cumbria lass
    • By Cumbria lass 1st Jan 17, 3:04 PM
    • 1,685Posts
    • 10,001Thanks
    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 59
    • EssexHebridean
    • By EssexHebridean 8th Feb 18, 11:13 PM
    • 8,623 Posts
    • 45,406 Thanks
    EssexHebridean
    Great news that you got a bit more sleep last night Cumbria - a few more nights like that will probably help your health no end so fingers crossed!

    Great progress on the financials too - all sounding very under control!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£853.32 (12/02/18)
    SOA Calculator for DFW newbies: Stoozing.com SOA Calculator
    • Treadingonplaymobil
    • By Treadingonplaymobil 9th Feb 18, 5:35 AM
    • 1,506 Posts
    • 14,646 Thanks
    Treadingonplaymobil
    Glad you got a good night's sleep! And good call on destroying the cards/pins. You're sounding very on top of things for someone who has been so ill. Go you! (Although don't do too much).
    £67,031.92 is a frightening number indeed... The debt free diary of one family and their enormous debt
    LBM debt on 12th Feb 2017/DFD: £58,608.13/Dec 2026
    debt on 6th Apr 2018: £34,168.99/Feb 2026

    Mortgage = c.£192,200
    • Cumbria lass
    • By Cumbria lass 9th Feb 18, 6:35 AM
    • 1,685 Posts
    • 10,001 Thanks
    Cumbria lass
    Thank you EH and TOPM for stopping by . Last nights sleep was a disaster , I didn't start coughing though until around 4.30 . I am having my DG today but at my parents so they can help with her as well. I guess I should have said no but feel ok to do it with back up.

    Only 11 hours until I can sleep,again.

    The BT has gone through this morning on old CC so need to set up online banking for new card.

    Have put few things on eBay this week as well and made about £9 so far , have another 4 items ending over the weekend. Have got more stuff to put on as well.
    CC1 £3655 April 2018.
    • debtaghh
    • By debtaghh 9th Feb 18, 6:41 AM
    • 1,187 Posts
    • 3,515 Thanks
    debtaghh
    You are really having an awful time with your health , really hope you start to feel better soon.
    Debt 16th October 2017: Cc £49,987- family £37,561: total debt £87549

    Current debt: Cc £42,775 , Family £ 39,608 total debt £82,383

    Frugal living challenge # 10- £8000 presents/ food/ entertainment/clothes/shoes/haircuts
    • Cumbria lass
    • By Cumbria lass 9th Feb 18, 6:46 AM
    • 1,685 Posts
    • 10,001 Thanks
    Cumbria lass
    It's all sent to try , I do feel better than I did last weekend. It's all a waiting game I guess.
    CC1 £3655 April 2018.
    • debtaghh
    • By debtaghh 9th Feb 18, 6:50 AM
    • 1,187 Posts
    • 3,515 Thanks
    debtaghh
    It's all sent to try , I do feel better than I did last weekend. It's all a waiting game I guess.
    Originally posted by Cumbria lass
    Glad you feel better than last weekend. Good luck with your granddaughter.
    Debt 16th October 2017: Cc £49,987- family £37,561: total debt £87549

    Current debt: Cc £42,775 , Family £ 39,608 total debt £82,383

    Frugal living challenge # 10- £8000 presents/ food/ entertainment/clothes/shoes/haircuts
    • doingitanyway
    • By doingitanyway 9th Feb 18, 8:54 AM
    • 2,899 Posts
    • 14,115 Thanks
    doingitanyway
    Don't do much Cumbria Lass! Take it slowly until you are back to 100%
    Enjoy your time with DGD
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • redofromstart
    • By redofromstart 9th Feb 18, 11:25 AM
    • 1,616 Posts
    • 9,668 Thanks
    redofromstart
    Hope you have an ok day - so hard looking after children when you are sleep deprived.
    • JoJoC
    • By JoJoC 9th Feb 18, 12:24 PM
    • 1,671 Posts
    • 6,119 Thanks
    JoJoC
    Looking after kids when you're ill is hard, although I'm sure you don't want to let the parents down so I understand. Hopefully your parents will be a help today. I'm not sure how old your DGD is but I always find that my youngest one (2.5) can sense when I'm not well and he becomes a bit more affectionate and happy to sit and cuddle/ chill.
    CC1: £4601.14/ £5031.14 (10% paid off, £480) | CC2:£3407/ £3807 (12% paid off, £450) | Loan: £10,788.72/ £15,000((28% paid off, £4211.28))

    July debt total: £23,838.14 | New debt total: £18,796.86 | Total debt paid: £5,141.28 (22%)
    *My debt busting and savings diary*
    • beanielou
    • By beanielou 9th Feb 18, 3:47 PM
    • 52,904 Posts
    • 208,208 Thanks
    beanielou
    Take care
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 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 Feb 18, 5:59 PM
    • 1,685 Posts
    • 10,001 Thanks
    Cumbria lass
    DGD has been really good today , she has been to see lots of people.

    The lump I had removed from my nose in January has turned out to be Basal Cell Carcinoma ie skin cancer . Need to have more work done , eh it never rains but it pours .

    At least it's been found and before I go to Australia.
    CC1 £3655 April 2018.
    • 117pauline
    • By 117pauline 9th Feb 18, 6:23 PM
    • 648 Posts
    • 7,193 Thanks
    117pauline
    Oh Cumbria

    I am so sorry about your further news.

    Not sure what else to say but didn't want to ignore it.

    Take care honey
    Pauline
    Don't get it perfect - Get it going
    Better Than Before
    • beanielou
    • By beanielou 9th Feb 18, 6:26 PM
    • 52,904 Posts
    • 208,208 Thanks
    beanielou
    Sorry to hear your news.
    If it is any consolation of all the cancers to have it is the best(!) & very treatable.
    I have been doing a lot of reseach on it recently.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 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.
    • JoJoC
    • By JoJoC 9th Feb 18, 6:30 PM
    • 1,671 Posts
    • 6,119 Thanks
    JoJoC
    Oh Cumbria, I'm so sorry to hear that. My uncle had skin cancer in his ear last year and had it removed. He's now in remission and very healthy.

    I know it's no consellation but just wanted to share a recent story with a positive outcome.

    Thinking of you.
    CC1: £4601.14/ £5031.14 (10% paid off, £480) | CC2:£3407/ £3807 (12% paid off, £450) | Loan: £10,788.72/ £15,000((28% paid off, £4211.28))

    July debt total: £23,838.14 | New debt total: £18,796.86 | Total debt paid: £5,141.28 (22%)
    *My debt busting and savings diary*
    • debtaghh
    • By debtaghh 9th Feb 18, 7:43 PM
    • 1,187 Posts
    • 3,515 Thanks
    debtaghh
    DGD has been really good today , she has been to see lots of people.

    The lump I had removed from my nose in January has turned out to be Basal Cell Carcinoma ie skin cancer . Need to have more work done , eh it never rains but it pours .

    At least it's been found and before I go to Australia.
    Originally posted by Cumbria lass
    So sorry to hear your news, hope you’re ok x
    Debt 16th October 2017: Cc £49,987- family £37,561: total debt £87549

    Current debt: Cc £42,775 , Family £ 39,608 total debt £82,383

    Frugal living challenge # 10- £8000 presents/ food/ entertainment/clothes/shoes/haircuts
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 9th Feb 18, 7:56 PM
    • 3,920 Posts
    • 26,245 Thanks
    HairyHandofDartmoor
    DGD has been really good today , she has been to see lots of people.

    The lump I had removed from my nose in January has turned out to be Basal Cell Carcinoma ie skin cancer . Need to have more work done , eh it never rains but it pours .

    At least it's been found and before I go to Australia.
    Originally posted by Cumbria lass
    Oh I'm so sorry Cumbria . What treatment did the doctors suggest? From what beanie said it sounds treatable so that's a relief.
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund. Then save up for repairs to the house.
    Emergency Fund 1 = £281.59/Emergency Fund 2 = £41.81/Loss of Income Fund £0
    • Cumbria lass
    • By Cumbria lass 9th Feb 18, 8:05 PM
    • 1,685 Posts
    • 10,001 Thanks
    Cumbria lass
    As Beanie says it's the best one to have if you have to have it. Something called Mohs surgery is what is to be done. I had an inkling as my appt was arranged very soon . Back to the hospital I think next , good job I live across the road . Not in the least bit worried ,(well maybe a bit about the surgery ) more bothered by this stupid cough and laryngitis .

    If anyone has had this surgery please come forward ?

    Went to McDonalds with the DGC and spent about £6 and posted eBay parcel.

    New card arrived today so will set up internet access and get sorted .
    CC1 £3655 April 2018.
    • Sayschezza
    • By Sayschezza 9th Feb 18, 8:11 PM
    • 247 Posts
    • 2,300 Thanks
    Sayschezza
    My sister has had it several times on her face. Scars are not noticeable.
    • redofromstart
    • By redofromstart 9th Feb 18, 8:18 PM
    • 1,616 Posts
    • 9,668 Thanks
    redofromstart
    So sorry to hear that Cumbria, like you say at least picked up quickly.
    • Seasidegal58
    • By Seasidegal58 9th Feb 18, 9:04 PM
    • 1,879 Posts
    • 11,435 Thanks
    Seasidegal58
    Oh poor Cumbria - you have been in the wars lately!

    I was shocked to hear of your latest news but from what a lot of the other posters and you have said it appears to be very treatable. My dad had a nasty cancerous lump removed from his forehead when he was in his seventies - never bothered him again and he was fine.

    I hope you manage a peaceful night’s sleep tonight and take it easy tomorrow.

    And good news on your diary by the way.
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 26/04/2018: £591.90
    MONTHS TO RETIREMENT: 36!
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
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