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  • FIRST POST
    • Cumbria lass
    • By Cumbria lass 1st Jan 17, 3:04 PM
    • 1,795Posts
    • 10,815Thanks
    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 73
    • beanielou
    • By beanielou 7th Apr 18, 8:52 PM
    • 54,024 Posts
    • 214,085 Thanks
    beanielou
    He isn't a cat Beanie, more a bear. He is a lovely man who I have known for about 8 years on and off . We have had on and off relationships for years, but I don't want to settle down and he has never had children, so we are not on the same page. He is looking good for his 56 years, but like I said we will see.
    Originally posted by Cumbria lass
    Well, just wait & see what happens
    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.
    • Poor_Single_lady
    • By Poor_Single_lady 7th Apr 18, 8:59 PM
    • 1,388 Posts
    • 5,365 Thanks
    Poor_Single_lady
    Cumbria it's nice to have nice male visitors
    if he is kind to you then nice to see what could happen.
    And if he isn't on your page at the moment then maybe he could migrate to it.
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • Seasidegal58
    • By Seasidegal58 7th Apr 18, 9:07 PM
    • 1,921 Posts
    • 11,789 Thanks
    Seasidegal58
    How exciting Cumbria!. I hope it works out! And he smells nice too......."
    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 7th Apr 18, 9:10 PM
    • 1,795 Posts
    • 10,815 Thanks
    Cumbria lass
    Yes would be nice to be wined and dined every now and then. Few flowers, one can dream.
    CC1 £3475 May 2018
    • Seasidegal58
    • By Seasidegal58 7th Apr 18, 9:13 PM
    • 1,921 Posts
    • 11,789 Thanks
    Seasidegal58
    I hope he comes back soon.
    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 8th Apr 18, 8:51 PM
    • 1,795 Posts
    • 10,815 Thanks
    Cumbria lass
    Quite a good day weather wise , maybe spring is arriving.

    Shopping today £17.71 . Booked wicked tickets , mum is buying them for Christmas for myself and DD . Have updated all spends and things are just about manageable until payday in 10 days.

    Need money for Saturday for craft day in the lakes . Also hair on Sunday . Have £13 from shopping account and £7 left in personal spends for said hair.

    Next month not much going on at the moment , apart from weekend visiting friends over first May bank holiday.

    Then hopefully that's it for a while.
    CC1 £3475 May 2018
    • Seasidegal58
    • By Seasidegal58 8th Apr 18, 8:56 PM
    • 1,921 Posts
    • 11,789 Thanks
    Seasidegal58
    Great that you've booked the Wicked tickets. I love getting theatre tickets as presents! Will you be going near Christmas or before?

    Craft day in your fav place sounds fun as well. Is is a crafts fair or are you actually on a crafts tutorial?

    Have a good evening.
    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!”
    • beanielou
    • By beanielou 8th Apr 18, 9:04 PM
    • 54,024 Posts
    • 214,085 Thanks
    beanielou
    Glad that you have booked the tickets.
    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 8th Apr 18, 9:06 PM
    • 1,795 Posts
    • 10,815 Thanks
    Cumbria lass
    We are going on 30 th December to Wicked . Crafts is more a get together we do twice a year at a place in the Lakes , usually a week and a long weekend. Owing to my hols in December I can only go for a day this time. We stay at a hotel and take over a conference room with all our card making stuff . We learn new things from each other , enjoy food and the odd tipple. An excuse for a catch up .
    CC1 £3475 May 2018
    • Seasidegal58
    • By Seasidegal58 8th Apr 18, 9:09 PM
    • 1,921 Posts
    • 11,789 Thanks
    Seasidegal58
    Trip to see Wicked will be great that time of year - London will still be very Christmassy! Sounds like you'll get your Xmas cards made as well at the craft 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!”
    • Sun Addict
    • By Sun Addict 8th Apr 18, 9:11 PM
    • 5,732 Posts
    • 37,493 Thanks
    Sun Addict
    Glad the tickets are booked - something to look forward to

    And hey -what about the gentleman caller - good for you
    Virtual Sealed Pot 2018 £250.33
    Debt £2500
    May NSDs AFDs
    Weight loss 7/10LBS
    Emergency Fund £2000/£10,000
    • doingitanyway
    • By doingitanyway 9th Apr 18, 11:23 AM
    • 3,033 Posts
    • 15,021 Thanks
    doingitanyway
    Wicked treat. (Sorry i couldn't resist)
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • Seasidegal58
    • By Seasidegal58 9th Apr 18, 8:22 PM
    • 1,921 Posts
    • 11,789 Thanks
    Seasidegal58
    Wicked treat. (Sorry i couldn't resist)
    Originally posted by doingitanyway
    Hee hee!
    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 Apr 18, 7:46 AM
    • 1,795 Posts
    • 10,815 Thanks
    Cumbria lass
    Quite the joker DIA

    Late start today as I had to make dental appointment, been having problems for a week or so. Managed to get a cancellation for this morning.

    Last night at the gym I had my second session with a personal trainer . Now before you think I have gone completely off the rails. There was an offer on 4 sessions for £28. Last night was my 2nd one , lets say I know I went to the gym.

    I got weighed and measured , my weight hasn't changed much this last year , but I am about 3 stone overweight. I do plan to lose some later this year for my trip to Oz , but feel that I need to get up to full fitness again before I embark on any weight loss.

    On the lookout for a Fitbit , just a simple one. Argos have one at the moment for £40 think I will get it . Need to see how much the dentist is today first though . My parents said they will buy it for my birthday but that's December !
    CC1 £3475 May 2018
    • beanielou
    • By beanielou 10th Apr 18, 6:17 PM
    • 54,024 Posts
    • 214,085 Thanks
    beanielou
    Hope dentist 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.
    • Seasidegal58
    • By Seasidegal58 10th Apr 18, 7:49 PM
    • 1,921 Posts
    • 11,789 Thanks
    Seasidegal58
    Hope you're feeling a little less sore Cumbria! The price for the PT is excellent though! What a result!

    Here's to a painless dental visit too!
    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 10th Apr 18, 10:17 PM
    • 4,142 Posts
    • 28,166 Thanks
    HairyHandofDartmoor
    I hope the dentist isn't too expensive.

    It's really hard losing weight. It's the stress eating that sabotages me . Getting fit does help though I'm sure.
    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
    • beanielou
    • By beanielou 10th Apr 18, 10:26 PM
    • 54,024 Posts
    • 214,085 Thanks
    beanielou
    Stress eating is my middle name
    We wont mention the orange smartie mini eggs
    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.
    • beanielou
    • By beanielou 10th Apr 18, 10:28 PM
    • 54,024 Posts
    • 214,085 Thanks
    beanielou
    Stress eating is my middle name
    We wont mention the orange smartie mini eggs
    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.
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 10th Apr 18, 10:30 PM
    • 4,142 Posts
    • 28,166 Thanks
    HairyHandofDartmoor
    You've made me crave one right now Beanie
    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
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