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  • FIRST POST
    • Cumbria lass
    • By Cumbria lass 1st Jan 17, 3:04 PM
    • 1,795Posts
    • 10,818Thanks
    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 67
    • doingitanyway
    • By doingitanyway 12th Mar 18, 10:19 AM
    • 3,033 Posts
    • 15,030 Thanks
    doingitanyway
    Glad you enjoyed your mother's day. Sounds nice. Pace yourself Cumbria so you can keep up with a busy week
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • Cumbria lass
    • By Cumbria lass 12th Mar 18, 7:57 PM
    • 1,795 Posts
    • 10,818 Thanks
    Cumbria lass
    Left lunch at home today , so 80 p on soup and 75p on toast this morning. Ate lunch for dinner , ham and cheese salad.

    £50 from you gov landed in my account today so will squirrel away for Oz spends .

    Early night , work still very busy.
    CC1 £3475 May 2018
    • beanielou
    • By beanielou 12th Mar 18, 8:25 PM
    • 54,034 Posts
    • 214,130 Thanks
    beanielou
    Hurrah to YOu Gov
    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.
    • milann
    • By milann 12th Mar 18, 9:43 PM
    • 1,703 Posts
    • 7,943 Thanks
    milann
    Sounds like you had a lovely Mother's Day.
    Hope you manage to stay well for your social activities.
    • joeyjimbles
    • By joeyjimbles 13th Mar 18, 11:16 AM
    • 1,579 Posts
    • 8,576 Thanks
    joeyjimbles
    Lovely and sunny up here today and the first day out of many that the wind hasn't had that icy chill to it. Can still see some snow on the top of the fells and especially around Shap but nowhere else much.
    Glad you had the Mother's Day that you wanted.
    • Cumbria lass
    • By Cumbria lass 13th Mar 18, 9:37 PM
    • 1,795 Posts
    • 10,818 Thanks
    Cumbria lass
    Joeyjimbles I love your posts on my favourite bit of England . My parents are there this week, they had a splendid day today.
    CC1 £3475 May 2018
    • Cumbria lass
    • By Cumbria lass 13th Mar 18, 9:41 PM
    • 1,795 Posts
    • 10,818 Thanks
    Cumbria lass
    I shouldn't be allowed out on my own!

    First time out in months , had a coffee and soup with friend £6.70 out of spends that was ok.

    Decided to look at suitcases as need one for big Oz holiday . Fell in love with a Tripp one and it has somehow magically appeared in my hallway. £59.50 ! You gov survey money has gone plus my PA money £9.66 ..

    It could have been worse. Enjoyed myself in Trafford Centre !
    CC1 £3475 May 2018
    • beanielou
    • By beanielou 13th Mar 18, 9:46 PM
    • 54,034 Posts
    • 214,130 Thanks
    beanielou
    So happy new free suitcase
    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 13th Mar 18, 9:52 PM
    • 1,921 Posts
    • 11,793 Thanks
    Seasidegal58
    I shouldn't be allowed out on my own!

    First time out in months , had a coffee and soup with friend £6.70 out of spends that was ok.

    Decided to look at suitcases as need one for big Oz holiday . Fell in love with a Tripp one and it has somehow magically appeared in my hallway. £59.50 ! You gov survey money has gone plus my PA money £9.66 ..

    It could have been worse. Enjoyed myself in Trafford Centre !
    Originally posted by Cumbria lass
    Ah well - you needed a large suitcase so at least it was a proper 'need.' You'll get good wear out of it. And think of it as part of the holiday spends as it'll be going to Oz with you!
    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 13th Mar 18, 9:58 PM
    • 1,795 Posts
    • 10,818 Thanks
    Cumbria lass
    The thing for me is it was bought from real money and not on a credit card. I have no suitcases as they were got rid of last year. This is lightweight, four wheel and should last a while (I hope) .
    CC1 £3475 May 2018
    • Seasidegal58
    • By Seasidegal58 13th Mar 18, 10:11 PM
    • 1,921 Posts
    • 11,793 Thanks
    Seasidegal58
    The thing for me is it was bought from real money and not on a credit card. I have no suitcases as they were got rid of last year. This is lightweight, four wheel and should last a while (I hope) .
    Originally posted by Cumbria lass
    .....I found spending 'real' money such a great feeling after years of credit card debt.
    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 14th Mar 18, 9:16 PM
    • 1,795 Posts
    • 10,818 Thanks
    Cumbria lass
    Not much happened today MSE wise, NSD which is always good.

    Am going back to some voluntary work next week , it's in the evening only about 2 hours after work. Plus I have got rid of some voluntary work , I took it on for a year and am still doing it 15 yrs later ! It doesn't interest me , time someone else stepped in.

    Some of the work politics got aired today , and was well accepted by management, so hoping for a positive outcome.
    CC1 £3475 May 2018
    • beanielou
    • By beanielou 14th Mar 18, 9:26 PM
    • 54,034 Posts
    • 214,130 Thanks
    beanielou
    Good news on binning some of your voluntary work.
    Enjoy the one you are doing tomorrow
    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 15th Mar 18, 9:40 PM
    • 1,921 Posts
    • 11,793 Thanks
    Seasidegal58
    Good to know that that air around the office politics is clearing.

    Hope you find your new voluntary work interesting and rewarding.
    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 16th Mar 18, 2:02 PM
    • 4,142 Posts
    • 28,173 Thanks
    HairyHandofDartmoor
    I hope the office politics improve now, hate that .

    You need the suitcase and paid for it with survey money, just perfect .

    I'm glad you're feeling well finally and had a nice mother's day .
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    Emergency Fund 1 = £560.59/Emergency Fund 2 = £0.21/Loss of Income Fund £0
    • boxofpaws
    • By boxofpaws 16th Mar 18, 5:22 PM
    • 493 Posts
    • 2,128 Thanks
    boxofpaws
    Ooh I love new luggage. What model?

    Glad the office air is clearing...
    Debt 03/01/17 = £42000
    Debt today = £27,819.22
    • Poor_Single_lady
    • By Poor_Single_lady 16th Mar 18, 5:31 PM
    • 1,388 Posts
    • 5,365 Thanks
    Poor_Single_lady
    That sounds like a good price for Tripp suitcase and they last for ages. I've got one I bought years and years ago. Been to loads of places but doesn't get out much anymore.
    Sounds like a good buy. I'm still waiting on first yougov money but shouldn't be too long. It's good that you bought something nice for yourself instead of Day-to-day spending. xxx
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • NoOneAround
    • By NoOneAround 16th Mar 18, 6:15 PM
    • 1,735 Posts
    • 8,426 Thanks
    NoOneAround
    Hello Cumbria
    So glad to see you are on the mend, you have had a rough time this year.
    I bought a Tripp case when we went away last summer - it is fab buy
    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
    • doingitanyway
    • By doingitanyway 16th Mar 18, 6:57 PM
    • 3,033 Posts
    • 15,030 Thanks
    doingitanyway
    Not much happened today MSE wise, NSD which is always good.

    Am going back to some voluntary work next week , it's in the evening only about 2 hours after work. Plus I have got rid of some voluntary work , I took it on for a year and am still doing it 15 yrs later ! It doesn't interest me , time someone else stepped in.

    Some of the work politics got aired today , and was well accepted by management, so hoping for a positive outcome.
    Originally posted by Cumbria lass
    We are on the same page Cumbria. My work politics were awful but have got better thank goodness! And I was doing voluntary work for a similar length of time and I am saying no more too. Sometimes change is good
    Have a lovely weekend
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • milann
    • By milann 17th Mar 18, 8:25 PM
    • 1,703 Posts
    • 7,943 Thanks
    milann
    Decision to sort voluntary work sounds good as does the decision to buy case for your hols.

    I'd intended a trip to TC today but it wasn't to be....
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