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  • FIRST POST
    • Purplemumof2
    • By Purplemumof2 18th Jul 17, 1:57 PM
    • 6,071Posts
    • 22,312Thanks
    Purplemumof2
    Unsinkable
    • #1
    • 18th Jul 17, 1:57 PM
    Unsinkable 18th Jul 17 at 1:57 PM
    New diary, I have been thinking about it for a while now. I have been back almost a year give or take two weeks and boy what a year that has been, reading back over my old diary.

    The title of my new diary comes from a Lucy Spraggan song, which the lyrics fit the mood at the moment.

    Reflection on the past year:
    * Current debt is now - £8500, this doesn't include the OD or the BC (yet!)
    * Changed jobs four times and looking to move again, hopefully for the last time for a while
    * Moved house - This is my favourite one
    * Year Goals when I find them again are improving
    * Got a horrible situation with DS's ex-gf sorted
    * Still trying to get my MSE head to stay on, but I'm getting there slowly

    --------------------------------------------------------------------

    There are still improvements that need to be made but overall I/we are getting there. I think carefully about anything I go to buy.

    I am happy that I have rediscovered the survey sites and some new ones that I hadn't done before, my overall plan for next year is to build a stash up towards Christmas and birthdays, making 2018 as frugal as I can

    There are still things in the house that need sorting/unpacking/binning but it does feel like home and the kids love it and that to me is all that matters

    I like trying to get the most out of £2 per day, how sad is that?

    So as the song goes 'We won't abandon this ship. We are unsinkable'
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £6350.00 Cap 1: £407.72 BC: £6224.59
    AFD xxx LTW 4/17
    POAMAYC 2018 #041 PD £5970.32/£7000
    Savings for Christmas £161.42/£365
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
Page 34
    • Seasidegal58
    • By Seasidegal58 22nd Nov 17, 10:10 PM
    • 1,942 Posts
    • 11,872 Thanks
    Seasidegal58
    You are very organised with your list pmo2. All sounding good.

    Glad all looking positive for you on the new job. The non-commute alone must make such a difference.
    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 23rd Nov 17, 10:39 PM
    • 4,188 Posts
    • 28,561 Thanks
    HairyHandofDartmoor
    It sounds like you're going to be well organised for Christmas .

    Really glad the new job is going well, how lovely to have a shorter drive .
    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
    • Purplemumof2
    • By Purplemumof2 24th Nov 17, 8:47 AM
    • 6,071 Posts
    • 22,312 Thanks
    Purplemumof2
    Morning,

    DH got paid today commission has temporarily been placed in the savings account until DH decides what he wants to do with it....I'm working on him with regard to getting rid of the OD.

    Pay day for me today from the agency, hoping that it'll appear in the account soon so I can move it over to the savings account.

    OP funds hit the bank account, so this has been paid off the Cap One card and is finally under the £500 mark but only just.

    MBNA and BC have been paid, I swapped payment amounts over this month and paid more of the BC just to get a nice round figure (sad I know) aiming to at least pay another £10 off each one before the end of the year to get them in the next brackets

    Had an email off the school to say that DS isn't doing as he should and can we have a word etc....he seems to go through stages of excelling at school and then the next minute is in a spiral of detentions and no homework....sigh!!! I'm hoping it's just hormonal, he currently grounded and all tech has been confiscated apart from his phone.

    DD made lovely flapjacks at school yesterday, but when she tried to get them out of the baking tray at home....we ended up with some rather yummy crumbs
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £6350.00 Cap 1: £407.72 BC: £6224.59
    AFD xxx LTW 4/17
    POAMAYC 2018 #041 PD £5970.32/£7000
    Savings for Christmas £161.42/£365
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • mummytogirls
    • By mummytogirls 24th Nov 17, 7:43 PM
    • 6,164 Posts
    • 22,549 Thanks
    mummytogirls
    Your DS sounds like my DD at the moment PMO2! xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £5419.83 - 08/04/18 - 76.61% paid off
    • WannabeFree
    • By WannabeFree 24th Nov 17, 8:06 PM
    • 1,536 Posts
    • 13,293 Thanks
    WannabeFree
    Something in the air I think MTG & PMO2 x

    Have a lovely weekend x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • Purplemumof2
    • By Purplemumof2 25th Nov 17, 8:05 AM
    • 6,071 Posts
    • 22,312 Thanks
    Purplemumof2
    Your DS sounds like my DD at the moment PMO2! xx
    Originally posted by mummytogirls
    Something in the air I think MTG & PMO2 x

    Have a lovely weekend x
    Originally posted by WannabeFree
    Thanks ladies xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £6350.00 Cap 1: £407.72 BC: £6224.59
    AFD xxx LTW 4/17
    POAMAYC 2018 #041 PD £5970.32/£7000
    Savings for Christmas £161.42/£365
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • Purplemumof2
    • By Purplemumof2 25th Nov 17, 8:12 AM
    • 6,071 Posts
    • 22,312 Thanks
    Purplemumof2
    Morning,

    Not a lot going on today, I need to do the food shop and I'm aiming to do it as cheaply as possible.

    Need to take DD for a hair cut, she needs at least 5" off the length to straighten it.

    I also need to get my friend his birthday present, he's asked for a voucher so I'm going to see if I can pick one up at Tesco, while I'm out.

    Usual housework stuff to be done and I need to decide on dinner. I also need to sort the menu list for next week.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £6350.00 Cap 1: £407.72 BC: £6224.59
    AFD xxx LTW 4/17
    POAMAYC 2018 #041 PD £5970.32/£7000
    Savings for Christmas £161.42/£365
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • mummytogirls
    • By mummytogirls 25th Nov 17, 10:18 AM
    • 6,164 Posts
    • 22,549 Thanks
    mummytogirls
    Have a great weekend PMO2 xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £5419.83 - 08/04/18 - 76.61% paid off
    • WannabeFree
    • By WannabeFree 29th Nov 17, 11:11 AM
    • 1,536 Posts
    • 13,293 Thanks
    WannabeFree
    Hope you had a lovely weekend x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • hugglemonster
    • By hugglemonster 3rd Dec 17, 1:29 PM
    • 351 Posts
    • 1,617 Thanks
    hugglemonster
    Hope all is going well in the new job and you are all well.


    H x
    Debt: Overdraft 2 £1200/ now £805.34 Credit card £2200 now £2050 Car - £8825.44
    PAID - Computer £646.52, Overdraft 1 £2200
    Emergency fund: £50 General savings: £50
    • Purplemumof2
    • By Purplemumof2 5th Dec 17, 2:37 PM
    • 6,071 Posts
    • 22,312 Thanks
    Purplemumof2
    Hi Just a quick update.

    Not about much, MiL not very well at the moment and new job is hectic but loving it.

    I'll be back once things settle down.

    Pmo2
    x
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £6350.00 Cap 1: £407.72 BC: £6224.59
    AFD xxx LTW 4/17
    POAMAYC 2018 #041 PD £5970.32/£7000
    Savings for Christmas £161.42/£365
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • MistyMountainTop
    • By MistyMountainTop 5th Dec 17, 3:16 PM
    • 680 Posts
    • 2,459 Thanks
    MistyMountainTop
    Just popping by to say hello after my hiatus.

    I haven't caught up with your diary yet but I gather you have a new job so huge congrats on that!!!
    Current Weight Loss: 2/ 96
    • monz
    • By monz 6th Dec 17, 9:18 AM
    • 3,191 Posts
    • 10,128 Thanks
    monz
    Hope she is better soon <3

    Brill about job <3 xxx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £6,720.99/10,000
    car PCP - 308.99/11848.25 (0 overpayment)
    mums July birthday vouchers 0/50, Niece birthday June 50/50
    Holiday spending 300/300, Belfast 370/500 (£252 for apart
    ment)
    • jwil
    • By jwil 6th Dec 17, 6:20 PM
    • 8,527 Posts
    • 26,098 Thanks
    jwil
    Glad you are enjoying the new job. Hope MIL recovers soon xx
    "If you can dream it, you can do it". Walt Disney
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 6th Dec 17, 6:41 PM
    • 4,188 Posts
    • 28,561 Thanks
    HairyHandofDartmoor
    Looking forward to hearing all about it soon . Hope MIL gets better.
    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
    • debtaghh
    • By debtaghh 6th Dec 17, 9:31 PM
    • 1,225 Posts
    • 4,633 Thanks
    debtaghh
    Glad you’re enjoying the job but sorry to hear about your mil, hope she gets better soon.
    Debt 16th October 2017: Cc £49,987- family £37,561: total debt £87549

    Current debt: Cc £44,810 , Family £ 39,417 total debt £84,227

    Frugal living challenge # 10- £8000 presents/ food/ entertainment/clothes/shoes/haircuts
    • Purplemumof2
    • By Purplemumof2 7th Dec 17, 2:43 PM
    • 6,071 Posts
    • 22,312 Thanks
    Purplemumof2
    Update time
    Afternoon,

    Thought I'd post an update, as I've been a bit quiet.

    MiL is quite poorly at the moment and seems to be related to something she had a month or so ago. She is currently under the doctor and the hospital are doing tests, they don't think it is anything sinister but they need to check. She also needs a double hip operation early next year, so they need to get this sorted first.

    Job wise, the site and the people are just lovely and it really makes coming to work worthwhile, a refreshing change from the previous company. Had a catch up with my Agency bloke and he's had positive feedback from the site team and the Project Manager is adamant that he wants me to go perm in 5 months

    Money side of things - DH doesn't want to totally pay off the OD yet, but is willing to reduce it by £1K.

    DH had a minor bump in his car and as such although he's not putting it through the insurers, the TP bill will be going on the Cap One card. His choice and not something that I'm happy about but I see his point of view, just glad it's not thousands of pounds.

    I have investigated the area around site and know what there is both in driving range and walking. My plan next year is to avoid spending anything unless needed, too much temptation lol

    Surveys - PA had my account under review? After emailing them, they couldn't explain why so they reinstated it and my cash withdrawal, so I have £16.98 to come, hopefully before Christmas.

    £10 from Quidco came through and this has been paid off the Cap One card.

    Waiting for £13.80 to come through from PB too.

    Day off tomorrow, so going Christmas shopping with the Hubby to get the kids bits.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £6350.00 Cap 1: £407.72 BC: £6224.59
    AFD xxx LTW 4/17
    POAMAYC 2018 #041 PD £5970.32/£7000
    Savings for Christmas £161.42/£365
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 7th Dec 17, 6:48 PM
    • 4,188 Posts
    • 28,561 Thanks
    HairyHandofDartmoor
    Glad you're loving your new job .

    I hope they found out what's wrong with MIL. Sorry to hear about DH's car prang .

    Enjoy your Christmas shopping tomorrow, that sounds like a good lead into the weekend .
    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
    • Nicnak
    • By Nicnak 7th Dec 17, 7:48 PM
    • 911 Posts
    • 5,069 Thanks
    Nicnak
    Enjoy Christmas shopping x
    September 6th 2017 - Updated 13th May 2018
    Credit Card £0 now: £0 Tesco Loan £7500 = £0 Consolidation £15,000 = £13,855 Total = £25,330 £13,855 43% gone EMF #252 = £700/£1000
    Sealed pot challenge #589
    Pay off all your debts by Christmas #71
    • Seasidegal58
    • By Seasidegal58 8th Dec 17, 7:37 PM
    • 1,942 Posts
    • 11,872 Thanks
    Seasidegal58
    It makes such a difference workwise if you love your job doesn’t it. You must be so chuffed after the trials and tribulations of the last one.

    Hope all comes back OK re your MIL.
    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!”
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