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  • FIRST POST
    • Cumbria lass
    • By Cumbria lass 1st Jan 17, 3:04 PM
    • 2,386Posts
    • 14,695Thanks
    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 95
    • Cumbria lass
    • By Cumbria lass 7th Sep 18, 12:18 PM
    • 2,386 Posts
    • 14,695 Thanks
    Cumbria lass
    Quick check in whilst DGD is having a snooze. Curry night last night and catch up with friend very nice cost £20 and got a lift there and back. Chippy tea tonight no more than £3 each. Tomorrow lunch in lakes not sure how much that will be.

    Then no more outings until after payday on the 18th ! Have frozen my gym membership for 3 months as my get up and go has gone at the moment plus I won't be here for December . More for the Christmas and Oz pot. I will walk for exercise in the next few months .

    The next thing on the horizon is the trip to London to see the specialist . Hoping not to spend to much , will be nice to spend time with my mum .

    Lunch time now , then first school pick up for DGS I have missed him today , can't wait to see him.
    CC1 £3500 Nov 2018.
    • Cumbria lass
    • By Cumbria lass 7th Sep 18, 9:45 PM
    • 2,386 Posts
    • 14,695 Thanks
    Cumbria lass
    Another day over , another friend been and gone. £3.50 in the chip shop. Early morning start to the Lakes .
    CC1 £3500 Nov 2018.
    • Poor_Single_lady
    • By Poor_Single_lady 8th Sep 18, 6:26 AM
    • 1,452 Posts
    • 5,630 Thanks
    Poor_Single_lady
    Enjoy the weekend Cumbria.

    The thing you were saying before about the pictures of the night our making you sad you weren't there- if you're friends are like my friends they vamp up their happiness when they see a camera. But yes I get that pang too. Social media is not our friend. xx
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • Cumbria lass
    • By Cumbria lass 8th Sep 18, 7:39 AM
    • 2,386 Posts
    • 14,695 Thanks
    Cumbria lass
    Thanks a PSL for dropping by.

    The refund from insurance company has hit credit card minus the £25 fee. I have now emailed asking for that back. Also paid the correct insurance in full., second year all insurances paid in full for.

    The weather is pants for driving to the Lakes , but I will take my time.

    Have a good day everyone.
    CC1 £3500 Nov 2018.
    • Cumbria lass
    • By Cumbria lass 9th Sep 18, 8:23 AM
    • 2,386 Posts
    • 14,695 Thanks
    Cumbria lass
    Beautiful scenery yesterday lives the heart in one way , but makes me sad in other ways. Special memories are held in Windermere and sometimes they take over.

    Today owing to being out yesterday I need to go shopping and be frugal , cleaning, ironing etc.

    Yesterday I spent £15 on lunch for myself and friend . No more Invitations now until after 18th September. I emailed the insurance company about the £25 cancellation fee and they are going to reimburse it !

    Need to do a frugal shopping list , so best get going .
    CC1 £3500 Nov 2018.
    • Sun Addict
    • By Sun Addict 9th Sep 18, 9:21 AM
    • 6,312 Posts
    • 43,515 Thanks
    Sun Addict
    Morning Cumbria Glad you had some nice outings with friends. Great news about the reimbursement, I should think so too!

    I also need to do a VERY frugal shopping list.

    Have a lovely day xx
    Virtual Sealed Pot 2018 £404.08
    Debt £2180
    Weight loss 0/6LBS
    Emergency Fund £4000/£10,000
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 9th Sep 18, 9:50 AM
    • 5,677 Posts
    • 39,958 Thanks
    HairyHandofDartmoor
    Glad you had a good time with friends on Friday and Saturday.

    It's a good idea to freeze the gym membership. I've got fairly fit through walking and now I'm starting Pilates I'm sure that will help.

    Have a good frugal Sunday.
    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 9th Sep 18, 1:21 PM
    • 3,518 Posts
    • 19,411 Thanks
    doingitanyway
    Well done on getting the £25 reimbursed.

    Time with friends is precious so enjoy
    Emergency fund 1060/1000
    NSD November 5/30
    • joeyjimbles
    • By joeyjimbles 9th Sep 18, 1:22 PM
    • 1,670 Posts
    • 9,002 Thanks
    joeyjimbles
    Glad you had a good day up here yesterday though I wish the weather had been better for you. Intermittent showers most of the morning though it did get out in the afternoon thankfully. We were near Keswick in the morning and there was a coach trip just pulling into the car park as the heavens opened - fortunately they could dash into Booths, and it didn't last long, well as long as it took me to buy a couple of Herdy Mugs (seconds) and a Herdy umbrella for DS1's gf.
    • Lilith1980
    • By Lilith1980 9th Sep 18, 3:06 PM
    • 1,930 Posts
    • 5,563 Thanks
    Lilith1980
    Well done on getting the £25 reimbursed, Cumbria! I always feel good for catching up with friends
    My debt-free diary
    • beanielou
    • By beanielou 9th Sep 18, 5:35 PM
    • 57,965 Posts
    • 238,462 Thanks
    beanielou
    Morning Cumbria Glad you had some nice outings with friends. Great news about the reimbursement, I should think so too!

    I also need to do a VERY frugal shopping list.

    Have a lovely day xx
    Originally posted by Sun Addict
    FRom me too.

    I need frugal shopping this month too.
    Have DS's at the end of the month & a retirement do this week.
    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. MFW 2018. No 144
    • Seasidegal58
    • By Seasidegal58 9th Sep 18, 7:12 PM
    • 2,238 Posts
    • 13,844 Thanks
    Seasidegal58
    Hi Cumbria - your Lakes trip sounded glorious - it must have been wonderful to get out in the fresh air and take in all the beautiful scenery.

    Good news as well on the reimbursement and have a great (but frugal) week!
    X
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 07/11/2018 - £1771.05
    MONTHS TO RETIREMENT: 30
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    • milann
    • By milann 10th Sep 18, 5:59 PM
    • 1,985 Posts
    • 9,627 Thanks
    milann
    Well done on getting all the insurance money back.

    The nights in Oz will be worth not going out with friends. You can do that again but the chance of going to Oz is an occasional (if not once in a lifetime) outing.

    It sounds as if all your financial planning is really coming together - you will feel so smug at Christmas
    • Cumbria lass
    • By Cumbria lass 13th Sep 18, 7:27 PM
    • 2,386 Posts
    • 14,695 Thanks
    Cumbria lass
    Well it's ages since I posted (well a few days anyway) . Nothing much has happened , I have been at home in the evenings , had 4 NSD . The £25 refund has hit the credit card leaving me with a credit. Work has been very busy and I have done some long days.

    Tomorrow is child minding but little one is poorly , so a quiet day I should imagine . Nearly payday again, budgets have gone ok this month , I have £27 left for shopping which will be enough.

    Not much else to report.
    CC1 £3500 Nov 2018.
    • 117pauline
    • By 117pauline 13th Sep 18, 8:04 PM
    • 681 Posts
    • 7,487 Thanks
    117pauline
    Hi there

    Just popped in to see your news..

    About you missing out on nights out.... How about patting yourself on the back because your trip to Oz is being paid for in advance. It always feels so much worse paying afterwards.

    It really infuriates me that we have to make a conscious effort to get a refund when it shouldn't have been charged in the first place. I was very surprised to get a year's refund on my car's service plan because I hadn't done sufficient miles to warrant the final service. The service receptionist mentioned that I could get it otherwise it wouldn't have even have crossed my mind I could.

    Take care honey
    Pauline
    Don't get it perfect - Get it going
    Better Than Before
    • beanielou
    • By beanielou 13th Sep 18, 8:13 PM
    • 57,965 Posts
    • 238,462 Thanks
    beanielou
    Good news on the refund.
    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. MFW 2018. No 144
    • milann
    • By milann 13th Sep 18, 9:19 PM
    • 1,985 Posts
    • 9,627 Thanks
    milann
    Hope your little one gets better soon. I'm in your neck of the woods tomorrow at the hospital.
    • Cumbria lass
    • By Cumbria lass 13th Sep 18, 9:25 PM
    • 2,386 Posts
    • 14,695 Thanks
    Cumbria lass
    Hope your little one gets better soon. I'm in your neck of the woods tomorrow at the hospital.
    Originally posted by milann
    Hope all goes well tomorrow, and you enjoy your little spend on the way at the shops.
    CC1 £3500 Nov 2018.
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 13th Sep 18, 9:26 PM
    • 5,677 Posts
    • 39,958 Thanks
    HairyHandofDartmoor
    Glad you got the £25 back. I hope your little one feels better soon but that you still have a quiet day tomorrow.
    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 Sep 18, 8:45 AM
    • 2,386 Posts
    • 14,695 Thanks
    Cumbria lass
    Hi there

    Just popped in to see your news..

    About you missing out on nights out.... How about patting yourself on the back because your trip to Oz is being paid for in advance. It always feels so much worse paying afterwards.

    It really infuriates me that we have to make a conscious effort to get a refund when it shouldn't have been charged in the first place. I was very surprised to get a year's refund on my car's service plan because I hadn't done sufficient miles to warrant the final service. The service receptionist mentioned that I could get it otherwise it wouldn't have even have crossed my mind I could.

    Take care honey
    Pauline
    Originally posted by 117pauline
    Hi Pauline,

    Thank you for dropping in , hope Spain is going well.
    CC1 £3500 Nov 2018.
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