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  • FIRST POST
    • Cumbria lass
    • By Cumbria lass 1st Jan 17, 3:04 PM
    • 1,905Posts
    • 11,544Thanks
    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 66
    • beanielou
    • By beanielou 4th Mar 18, 8:14 PM
    • 55,005 Posts
    • 219,599 Thanks
    beanielou
    I have been adding up how much I have spent on health the past 3 months it is eye watering.

    3 x£8.60 pescriptions
    1x £5.20 eyedrops
    1x 2.20 cough medicine
    4x 25p paracetamol
    1x £12.99 no comment
    1x£19 physio
    3x£30 physio
    5x 60 p cough sweets.
    1x £4 heat pad

    Think that's it.

    Today petrol £35.00
    Shopping £23.50
    Shopping £12.22 gluten free plus 4 Easter eggs.

    I am trying to do a 5 week shopping month this pay month as next month is a long one.
    Still have one more physio to pay for .
    Originally posted by Cumbria lass
    All needed though
    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 4th Mar 18, 8:27 PM
    • 1,905 Posts
    • 11,544 Thanks
    Cumbria lass
    Yes Cumbria at Easter , to stay with friend . Looking forward to it , I miss the hills and the lakes .
    CC1 £3475 May 2018
    • fay66
    • By fay66 4th Mar 18, 8:32 PM
    • 737 Posts
    • 2,056 Thanks
    fay66
    Ive been same but at least you shopped around, I bought stuff fromHomebargains was double the price when I looked in Morrisons today
    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
    • Seasidegal58
    • By Seasidegal58 4th Mar 18, 8:45 PM
    • 1,980 Posts
    • 12,240 Thanks
    Seasidegal58
    Yes Cumbria at Easter , to stay with friend . Looking forward to it , I miss the hills and the lakes .
    Originally posted by Cumbria lass
    DD and OH was due to go this weekend for climbing - they love the Lakes. However I think the snowy drive across the Pennines and the 50 mph winds when you got there put them off!
    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 4th Mar 18, 9:02 PM
    • 1,905 Posts
    • 11,544 Thanks
    Cumbria lass
    It would be very dangerous indeed , I want to retire to the lakes .
    CC1 £3475 May 2018
    • Sun Addict
    • By Sun Addict 4th Mar 18, 9:05 PM
    • 5,832 Posts
    • 38,535 Thanks
    Sun Addict
    Brilliant news from the doctor
    Virtual Sealed Pot 2018 £296.07
    Debt £2400
    June 4 NSDs 4 AFDs
    Weight loss 0.5/6LBS
    Emergency Fund £2000/£10,000
    • milann
    • By milann 4th Mar 18, 9:55 PM
    • 1,732 Posts
    • 8,074 Thanks
    milann
    Hi Cumbria - I've read both your diaries over the past few 'snow' days whilst off work. We really can't be far from each other - the gallery with the Victorian Street brought back memories - I haven't thought about that for years - I went to a couple of functions there whilst a youngster. Lyme Park and Quarry Bank are both a 20 minute-ish drive and we visit regularly - love taking my gdds to them when they come to stay. TattonPark is also lovely but the parking a bit of a rip off. Biddulph his a bit further but has lovely gardens.

    We have the best hospitals around us - whatever condition afflicts us there is a specialist hospital close by - I was transferred from my local hospital to specialist spinal centre in October and was amazed how far folk travelled to be treated there - so in my bad luck of having to go to hospital it was lucky that the specialist centre was so close.

    I was worried about being transferred to occupational health as I'd been off since October and the were amazing - totally on my side but to be fair work were ok too. Anyway they sorted a 4 week phased return and I start my full hours tomorrow. Lol it'll interfere with my new found social life. Talking of social life - did you know cinema at print works is only 3.99 every Monday and much cheaper the rest of the time than a lot of other cinemas....

    You have done so well with the debt busting and I'm excited about your trip to Oz - just a thought have you insured your flight - watching Martins money show the other week made me think about insurancE....
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 7th Mar 18, 6:20 PM
    • 4,426 Posts
    • 30,682 Thanks
    HairyHandofDartmoor
    Hi Cumbria I've managed to catch up with your diary. Sorry I've been awol for a few weeks.

    I'm glad you're finally better and back at work, you've been having such a dreadful time. I've been feeling sorry for myself but you've been ill for much longer than me.

    It's great that you're going away at Easter, it's nice to have something to look forward to .

    Thank you for all your lovely comments and support on my diary recently re DS2 .
    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
    • joeyjimbles
    • By joeyjimbles 7th Mar 18, 6:27 PM
    • 1,587 Posts
    • 8,638 Thanks
    joeyjimbles
    Well our snow has all but disappeared except for the highest and most protected areas, but there are still some areas that the Fell Rescue and other services are trying to support. There were reports of people being dug out of homes in the Alston and Tindale areas only a couple of days ago when our snow had completely gone. So it's beautiful up here but not without it's hazards.
    The winds have definitely dropped in the last three days so that's helped massively. I went into town yesterday and they were doing a massive concerted effort for the food bank so I made a bigger than usual contribution as we've come through this whole thing more or less unscathed despite some evidence of panic buying in the supermarkets (madness).
    Glad you're starting to feel better. Some good fell air and walks round the lakes will make all the difference also sticky toffee pudding, scones....
    • Cumbria lass
    • By Cumbria lass 7th Mar 18, 9:26 PM
    • 1,905 Posts
    • 11,544 Thanks
    Cumbria lass
    Just a quick pop in. It's a very busy week at work , lots of politics in the office. Be back tomorrow with a full update.
    CC1 £3475 May 2018
    • beanielou
    • By beanielou 8th Mar 18, 11:13 AM
    • 55,005 Posts
    • 219,599 Thanks
    beanielou
    Not long til Easter
    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.
    • Seasidegal58
    • By Seasidegal58 10th Mar 18, 9:31 AM
    • 1,980 Posts
    • 12,240 Thanks
    Seasidegal58
    Just a quick pop in. It's a very busy week at work , lots of politics in the office. Be back tomorrow with a full update.
    Originally posted by Cumbria lass
    Hope things will quiet down at work for you next week Cumbria. Bah to office politics - these are rife at our firm too - it makes for such a toxic working atmosphere. Needless to say it eminates nearly solely from the men at our place!

    Anyway enjoy your weekend. Are you with the family on Mother's Day?
    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 Mar 18, 9:53 AM
    • 1,905 Posts
    • 11,544 Thanks
    Cumbria lass
    This week has been so busy , in my line of work we are usually quieter in the winter and things get busier from Easter onwards , peaking in the summer holidays. However it has been different this year and I am coming home exhausted. Have just been going to bed early , one night 8.15 !

    I have had my last physio , at £30 I have managed to fund out of my own funds that I saved when being ill. I am now awaiting an appointment at a London hospital to see an expert in my lung condition. It is a rare thing I have had , and London is where I need to go. I feel well though , and am hoping it continues.

    Spends this week have been at work on the Euro lottery , I darent not take part in case we win. It has cost me £3.80 and can't remember how much last week.

    Yesterday took DGD to play area £3.50 and coffee for me £1.30 . Then lunch from bakery £3.55 , very naughty but needs must .
    My mum wants taking out for lunch to her favourite garden centre for Mother's Day, we are doing it next weekend , she has something on today.

    Seaside I will see my mum and dad tomorrow morning, dad will do a cooked breakfast . My children I will see in the afternoon . We don't make a big thing of Mother's Day as I see them all the time . I have flowers already from the DGC . Will see what tomorrow brings.

    I am trying to do a five week shopping month out of this months salary as next month I am extremely busy and spending could go up quite a bit.

    Sky have hiked there price up £3.50 and council tax is an extra £4 a month. I am seriously thinking of getting rid of Sky tv , I don't watch any of the channels I pay for a lot.

    Hoping for a NSD today , fingers crossed .
    CC1 £3475 May 2018
    • Seasidegal58
    • By Seasidegal58 10th Mar 18, 10:02 AM
    • 1,980 Posts
    • 12,240 Thanks
    Seasidegal58
    So pleased you're feeling well - and hope your specialist appointment comes through soonest.

    I'm the same re lottery - I'm in the syndicate at work and daren't come out. I think it would finish me if I did and then they won and left me at work whilst they resigned and floated away......

    Tomorrow's cooked breakfast sounds yum! How lovely to have flowers from the DGC. Especially cherished!

    If you're not watching much sky it sounds sensible to get rid of it. I'm still in contract with them for a few more months but will definitely be negotiating when it's finished....
    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!”
    • debtaghh
    • By debtaghh 10th Mar 18, 12:40 PM
    • 1,267 Posts
    • 4,805 Thanks
    debtaghh
    Hope you have a lovely weekend.
    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
    • Sun Addict
    • By Sun Addict 10th Mar 18, 5:11 PM
    • 5,832 Posts
    • 38,535 Thanks
    Sun Addict
    How nice to get flowers from the DGC - I got some flowers from the dog
    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 11th Mar 18, 6:44 PM
    • 1,905 Posts
    • 11,544 Thanks
    Cumbria lass
    Today has been a simple Mother's Day just as I like it , nothing over the top just time spent with mum and dad . I received thoughtful presents from my children, spoke to my DGS as well.

    Can't believe we are back at Sunday evening . My social life picks up this week , I hope I keep well to enjoy it.
    CC1 £3475 May 2018
    • beanielou
    • By beanielou 11th Mar 18, 7:29 PM
    • 55,005 Posts
    • 219,599 Thanks
    beanielou
    Today has been a simple Mother's Day just as I like it , nothing over the top just time spent with mum and dad . I received thoughtful presents from my children, spoke to my DGS as well.

    Can't believe we are back at Sunday evening . My social life picks up this week , I hope I keep well to enjoy it.
    Originally posted by Cumbria lass
    Just how it should be.
    I so hope that you do keep well.
    Have a good week.
    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.
    • 117pauline
    • By 117pauline 12th Mar 18, 12:00 AM
    • 653 Posts
    • 7,281 Thanks
    117pauline
    Just caught up with your diary and it is such good news that you got the all-clear from the doctors. Hopefully it won't take too long to get the London appointment.

    I have really appreciated your comments on my diary. It has really made a difference to how I feel about my situation.

    My mum lives up in Rochdale so has suffered badly from the weather. As expected she took it all in her stride but has complained about being chained to the house! I have offered to do her some online grocery shopping but I was very sharply told that it was not necessary and she could manage. It has reduced her social life which she really misses. Not bad for a 91 year old.

    I love The Lakes although I don't often get up there. I much prefer that type of landscape rather than being on the flat. But it has just occurred to me that it might not be ideal as we become older.

    Have a good week, take care honey
    Pauline
    Don't get it perfect - Get it going
    Better Than Before
    • debtaghh
    • By debtaghh 12th Mar 18, 7:13 AM
    • 1,267 Posts
    • 4,805 Thanks
    debtaghh
    I'm glad to hear you had a nice day yesterday.
    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
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