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  • FIRST POST
    • Cumbria lass
    • By Cumbria lass 1st Jan 17, 3:04 PM
    • 2,052Posts
    • 12,504Thanks
    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 79
    • Cumbria lass
    • By Cumbria lass 8th May 18, 5:03 PM
    • 2,052 Posts
    • 12,504 Thanks
    Cumbria lass
    Back from my little jaunt, unpacked washing done. No time for cleaning, will wait till weekend. The NT and EH cards well used . I did buy lunch for my friends and I , 18.36 .

    Have done a small top up shop 8.64 .

    Tomorrow is my team away day ! Then in work for one day Thursday .

    Nothing much planned for the weekend.

    Need to move now though as going to see Titanic the Musical at our local theatre . 10the tickets as we are locals , only booked last week.
    • beanielou
    • By beanielou 8th May 18, 5:33 PM
    • 56,188 Posts
    • 227,134 Thanks
    beanielou
    Glad you had a lovely break.
    Enjoy the musical
    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. MFW 2018. No 144
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 9th May 18, 8:22 PM
    • 4,583 Posts
    • 32,341 Thanks
    HairyHandofDartmoor
    It sounds like you had a brilliant weekend Cumbria, enjoy your evening out .
    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
    • Cumbria lass
    • By Cumbria lass 12th May 18, 8:30 PM
    • 2,052 Posts
    • 12,504 Thanks
    Cumbria lass
    Well don't know where the last few days have gone . Away day with work was great fun., lots of laughs crate stacking, archery and tight rope walking .

    Spending has been minimal , and I have enough to cover my 59.10 dentist bill. Half came came back from health policy , so please with this.

    Spent about 5 today and yesterday on sausage rolls for DGC and new colouring pencils and sweets ( naughty gran ).

    Tesco had 3 for 2on gluten free so spent 12.47 in there .

    Today has been about cleaning, washing etc.

    Shopping and ironing tomorrow.

    I have had a word with myself this week , my spending has been carefree recently , within budget but I know I could be doing even better. I have nothing else booked for a while, so am going to get back on the surveys and try and do more overpayments .

    Think that's it. , sitting watching Eurovision .
    • Cumbria lass
    • By Cumbria lass 12th May 18, 10:11 PM
    • 2,052 Posts
    • 12,504 Thanks
    Cumbria lass
    Two PA surveys done and 2 you gov surveys done !

    Bedtime now.
    • beanielou
    • By beanielou 13th May 18, 11:25 AM
    • 56,188 Posts
    • 227,134 Thanks
    beanielou
    Two YOU Gov surveys
    Lucky you!!
    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. MFW 2018. No 144
    • Cumbria lass
    • By Cumbria lass 13th May 18, 6:25 PM
    • 2,052 Posts
    • 12,504 Thanks
    Cumbria lass
    Spent very pleasant afternoon in the communal garden , after doing the ironing mountain that was three weeks worth!

    Shopping was 18.67, being very frugal at the moment. All food planned for the week.

    Have had 5 PA surveys today and am near 10 so will cash out as soon as its available. My target every month is minimum 10 overpayment on CC . I also have an eBay sale ending tonight which will be about 8 .

    Going to get ready for the week ahead , it's another busy one .
    • beanielou
    • By beanielou 14th May 18, 8:13 AM
    • 56,188 Posts
    • 227,134 Thanks
    beanielou
    Enjoy your 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. MFW 2018. No 144
    • doingitanyway
    • By doingitanyway 14th May 18, 8:26 AM
    • 3,233 Posts
    • 17,204 Thanks
    doingitanyway
    A communal garden sounds nice. Have a positive week.
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • milann
    • By milann 14th May 18, 8:42 PM
    • 1,830 Posts
    • 8,596 Thanks
    milann
    Afternoon in garden sounds just the ticket.
    Grandmas privilege buying treats for grandchildren. You're lucky having them close to you.
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 14th May 18, 8:47 PM
    • 4,583 Posts
    • 32,341 Thanks
    HairyHandofDartmoor
    Great stuff on the surveys and spending time in the garden .
    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
    • Cumbria lass
    • By Cumbria lass 17th May 18, 7:39 PM
    • 2,052 Posts
    • 12,504 Thanks
    Cumbria lass
    Moaning time , had another bad day at work yesterday, management are trying to micro manage everyone and it is starting to get annoying , so I had a vent ! It didn't achieve much but made me feel better. Anyway today I finished at lunch , came home and did some housework as out Saturday and Sunday.

    Managed 3 NSD this week , put petrol in today before payday tomorrow as it is cheaper near work than home.
    Also spent 11 on waxing and 20 on my hair all out of personal spends?

    Tomorrow is payday , I am still trying to be frugal with spends , but can do better. Good news is all the PA surveys this week, will cash out once there all in, will be about 23 in 5 days not bad. As usual it will be paid of credit card.

    Friday Childminding day.
    Saturday Trip up to lakes to see friend and Royal Wedding Afternoon Tea.
    Sunday Trip to big well known garden centre in these parts with another friend.

    Hope the sun continues to shine.
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 17th May 18, 7:43 PM
    • 4,583 Posts
    • 32,341 Thanks
    HairyHandofDartmoor
    Sorry work are still being a pain, I bet everyone is fed up with the management.

    That's good news about the PA surveys. Your weekend sounds busy but a lot of fun .
    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
    • beanielou
    • By beanielou 17th May 18, 9:19 PM
    • 56,188 Posts
    • 227,134 Thanks
    beanielou
    Enjoy your Saturday.
    Sounds just fab
    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. MFW 2018. No 144
    • joeyjimbles
    • By joeyjimbles 17th May 18, 10:06 PM
    • 1,624 Posts
    • 8,769 Thanks
    joeyjimbles
    I hope our weather holds for you this weekend. It's been lovely these past few days - bit hazy today but still lovely and warm, and no cold breeze any more.
    • beanielou
    • By beanielou 17th May 18, 10:08 PM
    • 56,188 Posts
    • 227,134 Thanks
    beanielou
    Think the weather is to hold
    Here's hoping
    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. MFW 2018. No 144
    • doingitanyway
    • By doingitanyway 17th May 18, 11:12 PM
    • 3,233 Posts
    • 17,204 Thanks
    doingitanyway
    Sounds like you are doing well on the frugal front. I could do with some NSDs too.
    As for your workplace I think we work in the same office actually as I am micromanaged to a ridiculous extent

    Ooh Royal wedding afternoon tea sounds nice
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • Lilith1980
    • By Lilith1980 18th May 18, 8:25 AM
    • 1,856 Posts
    • 5,279 Thanks
    Lilith1980
    I was micromanaged in my last job so I appreciate how awful that is

    Your weekend sounds lovely. I hope the sun sticks around for you
    My debt-free diary
    • redofromstart
    • By redofromstart 18th May 18, 1:13 PM
    • 1,877 Posts
    • 11,535 Thanks
    redofromstart
    The forecast looks good here, hope you have a lovely time
    • Cumbria lass
    • By Cumbria lass 18th May 18, 6:31 PM
    • 2,052 Posts
    • 12,504 Thanks
    Cumbria lass
    Thank you for your comments all appreciated.

    Today myself and DGD have made the most of the outdoors , we had 2 meanders , one was walking with little one on reins. She loved the freedom of having two free hands to touch leaves and bushes ! We played outside as well , she was most well behaved.

    I am tired tonight , but a good tired . Plus we had a NSD even better.

    Another early night , as want early start tomorrow.
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