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  • FIRST POST
    • Cumbria lass
    • By Cumbria lass 1st Jan 17, 3:04 PM
    • 1,905Posts
    • 11,555Thanks
    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 61
    • Cumbria lass
    • By Cumbria lass 11th Feb 18, 7:44 PM
    • 1,905 Posts
    • 11,555 Thanks
    Cumbria lass
    Friends been and gone , they brought some food which was lovely. My shopping delivered by family cost me £16.09.

    I have watched all 6 episodes of Girlfriends, not sure if it was a bit far fetched.

    I phoned up for the £110 overpayment on my cc to be returned to me , putting this towards myholiday spending money. I have 2 more sales on eBay about £9 I think.

    I am going to have money left over this month so not sure what I will do with this.
    CC1 £3475 May 2018
    • WannabeFree
    • By WannabeFree 11th Feb 18, 7:47 PM
    • 1,616 Posts
    • 14,087 Thanks
    WannabeFree
    Glad you have lovely friends and help.

    Money left over is fab news ... save towards an adventure? I know you love adventures

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • beanielou
    • By beanielou 11th Feb 18, 8:19 PM
    • 55,015 Posts
    • 219,637 Thanks
    beanielou
    I thought the last episode of Girlfriends was just beyond belief.
    Spoilt the series for me.
    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 11th Feb 18, 8:44 PM
    • 1,905 Posts
    • 11,555 Thanks
    Cumbria lass
    I agree , bit far fetched . Not sure that I would watch a second series .
    CC1 £3475 May 2018
    • beanielou
    • By beanielou 11th Feb 18, 8:51 PM
    • 55,015 Posts
    • 219,637 Thanks
    beanielou
    I agree , bit far fetched . Not sure that I would watch a second series .
    Originally posted by Cumbria lass
    I certainly wouldent.
    Not her best series and she is normally such a good writer.
    Oh 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.
    • NoOneAround
    • By NoOneAround 11th Feb 18, 9:09 PM
    • 1,756 Posts
    • 8,560 Thanks
    NoOneAround
    Oh goodness Cumbria, just caught up and you have really been through the mill.
    Lots of hugs and good vibes and well wishes.
    I no longer ever feel bad about junk food - it's comforting

    NOA
    x
    Feb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/02/17 £66,600=8.18%PAID
    Mortgage Jan14=209,800 Jan15=£200,300 Jan17£180,700>OCT17 £170,200
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes
    Wombling Free Cash May2016 £51
    • fay66
    • By fay66 11th Feb 18, 9:27 PM
    • 737 Posts
    • 2,056 Thanks
    fay66
    sorry to hear of your news , positive vibes sent. I though the last gf was a bit daft t oo
    Inland revenue £4500=
    Loan £1562
    Pay day loans -1400 1st pay 16 march £50
    Credit card 1 -4850/4850 int froze
    CC2 -978
    CC3 - 500/548 cc4 180/200
    • Cumbria lass
    • By Cumbria lass 12th Feb 18, 1:22 PM
    • 1,905 Posts
    • 11,555 Thanks
    Cumbria lass
    Still at home , looking like I will be off all week , return to work next week. I am feeling lots better with the voice and the cough has mostly gone. It's my back now that is the problem.

    I have found a Groupon deal for a physio less than 5 mins away in the car , that gives me an hour for consultation and some Physiotherapy. Hence to say I have bought it for £19 and am going tomorrow afternoon. I have £80 left in the food/petrol budget so am taking it from there . I will probably book in for another session at £30 for Physiotherapy as well later in the week.

    That's it for the moment.
    CC1 £3475 May 2018
    • EssexHebridean
    • By EssexHebridean 12th Feb 18, 1:23 PM
    • 8,717 Posts
    • 45,966 Thanks
    EssexHebridean
    Back pain is horrible - hopefully it's a bit easier by now and the ibuprofen is doing its job.

    Money left over is great news - always nice when that happens eh!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£982.19 (04/06/18)
    SOA Calculator for DFW newbies: Stoozing.com SOA Calculator
    • joeyjimbles
    • By joeyjimbles 12th Feb 18, 2:09 PM
    • 1,587 Posts
    • 8,638 Thanks
    joeyjimbles
    Hope the physio does the trick - be sure to mention that you've recently had cough/cold etc so they don't pull you around too much.

    More snow on the fells - but very icy and causing issues for roads I believe. Fortunately I just get to look over at it and don't need to go anywhere for the next couple of days.
    • doingitanyway
    • By doingitanyway 12th Feb 18, 2:11 PM
    • 3,156 Posts
    • 15,827 Thanks
    doingitanyway
    Good luck with the physio.
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • beanielou
    • By beanielou 12th Feb 18, 5:38 PM
    • 55,015 Posts
    • 219,637 Thanks
    beanielou
    Hope the physio goes 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.
    • WannabeFree
    • By WannabeFree 12th Feb 18, 7:38 PM
    • 1,616 Posts
    • 14,087 Thanks
    WannabeFree
    Hope the physio helps

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • Lilith1980
    • By Lilith1980 13th Feb 18, 5:10 AM
    • 1,815 Posts
    • 5,147 Thanks
    Lilith1980
    That's a good deal from the physio. I hope it helps x
    My debt-free diary
    • Cumbria lass
    • By Cumbria lass 13th Feb 18, 9:07 AM
    • 1,905 Posts
    • 11,555 Thanks
    Cumbria lass
    The balance transfer is done , the extra £110 I paid is bank in ny bank account. I will be closing both those 2 cards today.

    The £110 is being spirited away to go towards Australia.

    Five days to payday , everything is ready to go with my new debt total which I will update on payday. All extra money I earn from surveys or eBay will get paid to cc or Australia fund. I have more items on EBay finishing at the weekend.

    I am feeling 95% better with the laryngitis, it's just my back , the physio should help today.

    After being off for so long I can't wait to be back in a normal routine .

    Thank you for your lovely comments.
    CC1 £3475 May 2018
    • Onebrokelady
    • By Onebrokelady 13th Feb 18, 11:04 AM
    • 369 Posts
    • 992 Thanks
    Onebrokelady
    Hope the physio helps your back
    Just keep swimming
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £770.00 Total Now Owed = £16,860
    Emergency Fund = £400.00 Xmas savings = £250.00
    • WannabeFree
    • By WannabeFree 13th Feb 18, 11:49 AM
    • 1,616 Posts
    • 14,087 Thanks
    WannabeFree
    Hope today goes well and it helps

    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 13th Feb 18, 12:06 PM
    • 1,905 Posts
    • 11,555 Thanks
    Cumbria lass
    Both credit cards closed . I now have 2 cards with £9400 credit , with nearly £4000 balance. One BT card and one other that I have had years .

    Not sure whether is good or not ,but on the principle that I am getting rid of credit cards , I only need one for any major emergency.
    CC1 £3475 May 2018
    • beanielou
    • By beanielou 13th Feb 18, 6:53 PM
    • 55,015 Posts
    • 219,637 Thanks
    beanielou
    Hope the physio 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.
    • Cumbria lass
    • By Cumbria lass 13th Feb 18, 7:07 PM
    • 1,905 Posts
    • 11,555 Thanks
    Cumbria lass
    The physio visit was very good Beanie, 30 mins asking questions and being asked to do stuff. Then 30 mins of physio. I have exercises to do. For £19 it was very good.

    I am going again next week but it's £30 for 30 mins . I have checked my health cash plan and I can claim half back so will probably go for a few more sessions . It feels better already .
    CC1 £3475 May 2018
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