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  • FIRST POST
    • Cumbria lass
    • By Cumbria lass 1st Jan 17, 3:04 PM
    • 2,390Posts
    • 14,729Thanks
    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 96
    • Cumbria lass
    • By Cumbria lass 15th Sep 18, 8:48 AM
    • 2,390 Posts
    • 14,729 Thanks
    Cumbria lass
    Yesterday was very quiet in terms of childcare , DGD was ok but kept wanting cuddles. Met up with another MSE lady and very nice she is , like meeting an old friend after an absence. Am sure we will meet up again.

    Today is all about housework well this morning st least. I am hoping to go to town to Primark for cardigans for work later in the day.

    That's it for today.
    CC1 £3500 Nov 2018.
    • doingitanyway
    • By doingitanyway 15th Sep 18, 7:20 PM
    • 3,518 Posts
    • 19,478 Thanks
    doingitanyway
    I love hearing about MSE folk meeting in real life too

    Enjoy your weekend
    Emergency fund 1060/1000
    NSD November 5/30
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 15th Sep 18, 8:14 PM
    • 5,708 Posts
    • 40,261 Thanks
    HairyHandofDartmoor
    Your MSE meet up sounds good. Hope you got your cardigans.
    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, 8:37 PM
    • 2,390 Posts
    • 14,729 Thanks
    Cumbria lass
    I did get my cardigans £5.50 each . Big sale on in m&s I didn't get anything as don't need it , not that I wasn't tempted . Got a couple of Xmas presents from primark as well. Am now babysitting !
    CC1 £3500 Nov 2018.
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 15th Sep 18, 10:21 PM
    • 5,708 Posts
    • 40,261 Thanks
    HairyHandofDartmoor
    Well done on resisting the M&S sale and glad you got your cardies.
    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 16th Sep 18, 9:15 AM
    • 2,390 Posts
    • 14,729 Thanks
    Cumbria lass
    Terrible nights sleep , brain to busy couldn't switch off. Gave up at 7am.

    All laundry folded for ironing, shopping list done. Have cleared the post , filled a form in to send away and updated budgets.

    Very gloomy outside hope it clears up soon. Today I am going to do a very long to do list that will incorporate stuff for Christmas and Australia. Time is flying by and I need to be super organised. This is what my brain was full off.
    CC1 £3500 Nov 2018.
    • milann
    • By milann 16th Sep 18, 2:00 PM
    • 1,988 Posts
    • 9,650 Thanks
    milann
    Time is flying by - won't be long until the shops and repeat plying Christmas songs....

    Hope you get to the end of your list....
    • redofromstart
    • By redofromstart 16th Sep 18, 8:24 PM
    • 2,008 Posts
    • 12,426 Thanks
    redofromstart
    Hurrah for MSE meetups, always interesting.
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 16th Sep 18, 8:37 PM
    • 5,708 Posts
    • 40,261 Thanks
    HairyHandofDartmoor
    I hope you sleep better tonight Cumbria, hopefully all your list making will put your mind at rest so you feel more relaxed.
    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
    • Seasidegal58
    • By Seasidegal58 16th Sep 18, 8:44 PM
    • 2,248 Posts
    • 13,895 Thanks
    Seasidegal58
    Yes hope you have a good nights sleep tonight and a not too busy work week.

    Good luck with your to-do lists. Christmas seems to have hit the shops already!: And we've not even had Halloween or Guy Fawkes Night yet!
    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!”
    • Cumbria lass
    • By Cumbria lass 17th Sep 18, 6:02 AM
    • 2,390 Posts
    • 14,729 Thanks
    Cumbria lass
    Blah blah to good nights sleep , just hope I can stay today. Today I am back on drinking water and eating properly . Hoping to do a walk round the clock as well before I go to bed.

    Ordered DGD birthday present lady night, hoping to pick it up Wednesday after doctors.
    CC1 £3500 Nov 2018.
    • Seasidegal58
    • By Seasidegal58 17th Sep 18, 1:19 PM
    • 2,248 Posts
    • 13,895 Thanks
    Seasidegal58
    Good idea on the walk before bed - it may help with the insomnia.
    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!”
    • Cumbria lass
    • By Cumbria lass 17th Sep 18, 7:20 PM
    • 2,390 Posts
    • 14,729 Thanks
    Cumbria lass
    Sounds like I was drunk in my morning post , the spelling is all over the place. Had a walk , decided to go before eating as it was so nice when I got home.

    Picked the present up already, it was available for collection so went on the way home. Just had pasta to eat . Bath time now , then will watch strangers .
    CC1 £3500 Nov 2018.
    • Seasidegal58
    • By Seasidegal58 17th Sep 18, 9:34 PM
    • 2,248 Posts
    • 13,895 Thanks
    Seasidegal58
    Enjoy your bath and 'Strangers' tonight!
    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!”
    • beanielou
    • By beanielou 17th Sep 18, 9:34 PM
    • 58,002 Posts
    • 238,666 Thanks
    beanielou
    Enjoying Strangers
    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
    • Treadingonplaymobil
    • By Treadingonplaymobil 18th Sep 18, 5:31 AM
    • 1,765 Posts
    • 18,164 Thanks
    Treadingonplaymobil
    Hope you got a better night's sleep. You know I love a good list .
    £67,031.92 is a frightening number indeed... The debt free diary of one family and their enormous debt
    LBM debt on 12th Feb 2017: £38,608 unsecured debt/£20,000 parental loan/£173,282 mortgage = £231,890
    debt on 1st Sept 2018: £12,221.27 unsecured debt/£19,940 parental loan/£191,003.72 mortgage = £223,165
    • Cumbria lass
    • By Cumbria lass 18th Sep 18, 6:28 AM
    • 2,390 Posts
    • 14,729 Thanks
    Cumbria lass
    [QUOTE=Treadingonplaymobil;74802508]Hope you got a better night's sleep. You know I love a good list .[/QUOT

    I never knew that TOPM

    Never made Strangers went to bed before 9pm and slept much better. Will watch it tonight.
    CC1 £3500 Nov 2018.
    • doingitanyway
    • By doingitanyway 18th Sep 18, 11:52 AM
    • 3,518 Posts
    • 19,478 Thanks
    doingitanyway
    At least you had a good night's sleep. That is more important
    Emergency fund 1060/1000
    NSD November 5/30
    • beanielou
    • By beanielou 18th Sep 18, 3:41 PM
    • 58,002 Posts
    • 238,666 Thanks
    beanielou
    Sleep is always good.
    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
    • Cumbria lass
    • By Cumbria lass 18th Sep 18, 9:00 PM
    • 2,390 Posts
    • 14,729 Thanks
    Cumbria lass
    Well it's nearly 9pm and I am still awake which is good. It's payday and I need to do my transfers before I go to bed. Also have washing up to do and clothes to go on the maiden .

    NSD as well so all good apart from having porridge for my evening meal .

    At docs after work tomorrow about my X-ray .
    CC1 £3500 Nov 2018.
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