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  • FIRST POST
    • Cumbria lass
    • By Cumbria lass 1st Jan 17, 3:04 PM
    • 2,497Posts
    • 15,571Thanks
    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 74
    • beanielou
    • By beanielou 10th Apr 18, 10:32 PM
    • 58,839 Posts
    • 244,159 Thanks
    beanielou
    You've made me crave one right now Beanie
    Originally posted by HairyHandofDartmoor
    They are just awesome
    I love orange smarties
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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. ***Be the difference.***
    • 117pauline
    • By 117pauline 10th Apr 18, 10:54 PM
    • 718 Posts
    • 7,711 Thanks
    117pauline
    How could anyone not like orange smarties!
    Don't get it perfect - Get it going
    Better Than Before
    • Cumbria lass
    • By Cumbria lass 11th Apr 18, 8:13 AM
    • 2,497 Posts
    • 15,571 Thanks
    Cumbria lass
    Love orange smarties but not today.

    Went to dentist yesterday, had X-rays she couldn't see anything untoward , she did a check up as was due anyway. Went on my merry way to work.

    Should have been babysitting but that got cancelled . Went to Trafford Centre to pick my bracelet up that had gone for rethreading , they have given me a new one instead !

    Roll on till 12.30am this morning, most excruciating toothache , painkillers just make it bearable , going to just turn up at dentist at opening time and sit and wait. I hope they can sort it out today .

    I am good at pain , but this is horrible.

    During the night , I have realised that I don't need a Fitbit it is a want , so am not bothering. Also all the extra spending last week and over Easter has had me delving in my EF . I know this is better than being on a credit card but I need to slow down on spends again.

    Off to get dressed and try and clean my teeth .
    CC1 £3500 Nov 2018.
    • redofromstart
    • By redofromstart 11th Apr 18, 8:59 AM
    • 2,061 Posts
    • 12,812 Thanks
    redofromstart
    Sounds like a sensible decision on the Fitbit, the challenges are not synchronising my steps and the fixes don't work so I am a bit anti currently.

    Hope the dentists can squeeze you in. I always think teeth problems is the worse pain.
    • beanielou
    • By beanielou 11th Apr 18, 1:46 PM
    • 58,839 Posts
    • 244,159 Thanks
    beanielou
    Hope the dentist can sort things out.
    Poor you
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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. ***Be the difference.***
    • Cumbria lass
    • By Cumbria lass 11th Apr 18, 7:10 PM
    • 2,497 Posts
    • 15,571 Thanks
    Cumbria lass
    Got seen at the dentist but was there forever , long story . Anyway I have been numbed, drilled etc. It may be that the problem is teeth grinding at night , causing sensitive teeth. Have got some good toothpaste to help. Just hoping for a good sleep tonight.

    I am on soft food for the next couple of days. Am so glad I have seen sense again on the spending front , it feels better .
    CC1 £3500 Nov 2018.
    • beanielou
    • By beanielou 11th Apr 18, 7:33 PM
    • 58,839 Posts
    • 244,159 Thanks
    beanielou
    Glad that dentist went as well as it could.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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. ***Be the difference.***
    • Seasidegal58
    • By Seasidegal58 11th Apr 18, 8:00 PM
    • 2,365 Posts
    • 14,646 Thanks
    Seasidegal58
    Sorry to hear you've had a rough time with your teeth - hopefully the toothpaste will start sorting you out.

    You had a good result on the new bracelet though!

    Glad you're feeling positive on the spending front as well.
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 10/11/2018 - £1801.03
    MONTHS TO RETIREMENT: 29
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 11th Apr 18, 8:39 PM
    • 6,451 Posts
    • 46,746 Thanks
    HairyHandofDartmoor
    I hope the dentist trip will sort the pain Cumbria.

    If you don't have to have a Fitbit then it's a good idea to save the money, as you say it's a want rather than a need. Raiding the EF is always a worry so you'll feel better if you don't have to .
    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.
    EMERGENCY FUND = £17
    "Tough times never last, but tough people do" - Robert H Schuller
    • doingitanyway
    • By doingitanyway 12th Apr 18, 8:47 PM
    • 3,716 Posts
    • 20,900 Thanks
    doingitanyway
    Hope the teeth problems have settled down. Tooth pain is the worst! Take care.
    Emergency fund 127/1000
    NSD December 5/31 AFD 2/10, SFD 0/10
    IF NOT NOW THEN WHEN
    • Cumbria lass
    • By Cumbria lass 13th Apr 18, 8:21 PM
    • 2,497 Posts
    • 15,571 Thanks
    Cumbria lass
    Quick check in, tooth was awful yesterday, today has been fine. Hoping that it is getting better. Toothache is horrible.

    Overslept yesterday morning, due to no sleep the night before , had to buy breakfast and lunch at work. Toast 75p soup 80p.

    DGD and I had a NSD today so not so bad.

    Early night , need to be leaving for Lakes for craft day at 7.30. Really looking forward to seeing my crafting friends.

    Will catch up on diaries over the weekend.

    Have a relaxing weekend.
    CC1 £3500 Nov 2018.
    • doingitanyway
    • By doingitanyway 13th Apr 18, 8:22 PM
    • 3,716 Posts
    • 20,900 Thanks
    doingitanyway
    Enjoy crafting with friends
    Emergency fund 127/1000
    NSD December 5/31 AFD 2/10, SFD 0/10
    IF NOT NOW THEN WHEN
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 13th Apr 18, 8:25 PM
    • 6,451 Posts
    • 46,746 Thanks
    HairyHandofDartmoor
    Have a lovely crafty time Cumbria.
    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.
    EMERGENCY FUND = £17
    "Tough times never last, but tough people do" - Robert H Schuller
    • Cumbria lass
    • By Cumbria lass 15th Apr 18, 8:18 AM
    • 2,497 Posts
    • 15,571 Thanks
    Cumbria lass
    What a beautiful day yesterday . Arrived in the lakes at 8.45am , to a warm welcome welcome from friends.

    We crafted till lunch time , three of us decided to do a walk . The views were amazing , this is why I love the lakes . Nature all coming out to say hello , as the sun shone .

    We did 5 miles altogether there and back , with an ice cream thrown in the middle. Back to crafting for a couple more hours .

    I arrived home about 8.00 pm , shattered , but very happy . There is a magic feeling that I come back with, wish I could bottle it.

    Back to today , need to do all cleaning, shopping , washing and ironing. Hair is getting done later as well .

    Payday Wednesday , my pay rise has given me an extra £35 a month.
    CC1 £3500 Nov 2018.
    • beanielou
    • By beanielou 15th Apr 18, 7:20 PM
    • 58,839 Posts
    • 244,159 Thanks
    beanielou
    Sounds like you had a lovely time
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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. ***Be the difference.***
    • Seasidegal58
    • By Seasidegal58 15th Apr 18, 7:32 PM
    • 2,365 Posts
    • 14,646 Thanks
    Seasidegal58
    What a great day! As you say wouldn't be wonderful to bottle these feelings!

    Hope your tooth didn't play you up and enjoy the rest of your Sunday.
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 10/11/2018 - £1801.03
    MONTHS TO RETIREMENT: 29
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    • Cumbria lass
    • By Cumbria lass 15th Apr 18, 8:37 PM
    • 2,497 Posts
    • 15,571 Thanks
    Cumbria lass
    Sounds like you had a lovely time
    Originally posted by beanielou

    I did Beanie thank you .
    CC1 £3500 Nov 2018.
    • Cumbria lass
    • By Cumbria lass 15th Apr 18, 8:38 PM
    • 2,497 Posts
    • 15,571 Thanks
    Cumbria lass
    What a great day! As you say wouldn't be wonderful to bottle these feelings!

    Hope your tooth didn't play you up and enjoy the rest of your Sunday.
    Originally posted by Seasidegal58
    My teeth have behaved themselves , even had an ice cream.
    CC1 £3500 Nov 2018.
    • Cumbria lass
    • By Cumbria lass 15th Apr 18, 8:40 PM
    • 2,497 Posts
    • 15,571 Thanks
    Cumbria lass
    Ok so 2 days to payday , did my shopping £20.04 , was very careful to be in budget.

    I have raided my funds and will end the month intact , but definitely need to rein in the spends this month.

    The weather forecast looks good this week, fingers crossed .
    CC1 £3500 Nov 2018.
    • joeyjimbles
    • By joeyjimbles 15th Apr 18, 9:46 PM
    • 1,698 Posts
    • 9,179 Thanks
    joeyjimbles
    You had the best weather that we've had for ages yesterday, I'm so pleased that you got to enjoy it up here. It was lovely doing my run and dog walking next to the river in the warmth - the fells look like they're starting to go green again.
    We went to the Taste cumbria event today - I thought about you as I think you'd really have enjoyed it - lots of lovely food producers and not all of them ridiculously expensive. We thoroughly enjoyed sitting outside with buns full of cumberland sausage and as DH drove I even had a gorgeous cocktail from my friend's horsebox cocktail bar. And I have delicious smoked trout pate, local cheese and some very decadent looking brownies to look forward to. Lovely.
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