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  • FIRST POST
    • Purplemumof2
    • By Purplemumof2 18th Jul 17, 1:57 PM
    • 6,153Posts
    • 22,636Thanks
    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: £6200.00 Cap 1: £395.80 BC: £6841.81
    AFD xxx LTW 6/16
    POAMAYC 2018 #041 PD £6288.87/£7000
    Savings for Christmas £191.84/£365
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
Page 40
    • mummytogirls
    • By mummytogirls 2nd Jan 18, 10:05 AM
    • 6,183 Posts
    • 22,716 Thanks
    mummytogirls
    Hope today is a nice easy one to get you back into work PMO2 xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £5419.83 - 08/04/18 - 76.61% paid off
    • WannabeFree
    • By WannabeFree 2nd Jan 18, 10:56 AM
    • 1,625 Posts
    • 14,196 Thanks
    WannabeFree
    Have a nice day 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 2nd Jan 18, 11:04 AM
    • 6,153 Posts
    • 22,636 Thanks
    Purplemumof2
    Thanks ladies, very quiet on site today but I guess not everyone is back at work yet.

    Finances checked and notes made of what is due to come out.

    Gas and Electric bill has been paid.

    Flylady today:


    Tuesday ~ Kitchen and Living Room
    Level One
    S&S Kitchen
    Empty out bins
    Wipe/scrub sink
    Level Two
    Straighten up cushions/covers/displaced toys etc..
    Move clutter so you can vacuum under it
    Vacuum and wipe (if needed) sofas
    Dust any areas below eye level
    Find homes for new appliances/books that you may have received for Christmas
    Level Three
    Dust anything above eye level (if safe to do so)
    Clear anything that shouldn't be where it is..maybe the Christmas tree if don!!!8217;t want to wait till 12th night
    Look for the good in others and notice their strengths..

    Extra Mission Tasks - as usual if you fancy tackling something else you could try one or more of these!!!8226;Check the useby dates on stuff in fridge, double check your fruit bowl !!!8211; do you need to get rid of anything furry or a funny colour?
    !!!8226;Wipe the bits next to the steps on the stairs, yours might be skirting board, edging of some sort, grab a cloth and give it a wipe

    Aiming to get at least Level 1 done after work tonight.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £6200.00 Cap 1: £395.80 BC: £6841.81
    AFD xxx LTW 6/16
    POAMAYC 2018 #041 PD £6288.87/£7000
    Savings for Christmas £191.84/£365
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • doingitanyway
    • By doingitanyway 2nd Jan 18, 12:23 PM
    • 3,065 Posts
    • 15,923 Thanks
    doingitanyway
    You have hit the new year running
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • MistyMountainTop
    • By MistyMountainTop 2nd Jan 18, 2:18 PM
    • 680 Posts
    • 2,459 Thanks
    MistyMountainTop
    you've inspired me to take another look at flylady. I've started many times with good intentions but not kept with it, which is stupid really as it's easy enough to do the basics. Will try harder
    Current Weight Loss: 2/ 96
    • Purplemumof2
    • By Purplemumof2 2nd Jan 18, 2:20 PM
    • 6,153 Posts
    • 22,636 Thanks
    Purplemumof2
    you've inspired me to take another look at flylady. I've started many times with good intentions but not kept with it, which is stupid really as it's easy enough to do the basics. Will try harder
    Originally posted by MistyMountainTop
    I absolutely hate housework, I couldn't be a domestic goddess to save my life....but hoping I can keep up with just Level 1 at least
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £6200.00 Cap 1: £395.80 BC: £6841.81
    AFD xxx LTW 6/16
    POAMAYC 2018 #041 PD £6288.87/£7000
    Savings for Christmas £191.84/£365
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • mummytogirls
    • By mummytogirls 2nd Jan 18, 2:57 PM
    • 6,183 Posts
    • 22,716 Thanks
    mummytogirls
    Fly lady looks good and easy to keep up to PMO2 xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £5419.83 - 08/04/18 - 76.61% paid off
    • redofromstart
    • By redofromstart 2nd Jan 18, 3:16 PM
    • 1,773 Posts
    • 10,806 Thanks
    redofromstart
    I've done the kitchen, I've been rubbish at doing flylady since they stopped handing out stars many years ago but back in the day it helped me transform our tiny tip of a home into something saleable. We moved to somewhere twice the size and promptly filled it with junk, as you do.
    • Nicnak
    • By Nicnak 2nd Jan 18, 4:43 PM
    • 924 Posts
    • 5,168 Thanks
    Nicnak
    I'm shocking at keeping up with housework! I always have to have a blitz because I let it get lapse. 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
    • Purplemumof2
    • By Purplemumof2 3rd Jan 18, 8:37 AM
    • 6,153 Posts
    • 22,636 Thanks
    Purplemumof2
    Morning,

    It's Wednesday and the kids go back to school tomorrow

    Managed a NSD and LTW day yesterday but not an AFD, I only had a beer and one glass of wine and I did sleep better for it. Will aim for an AFD today.

    Lunch with me today, trying to use bits up in the fridge.

    Need to get in touch with the car finance company if my settlement letter hasn't come by the end of today, I rang on the 26th December so I'm hoping that it will come today.

    Managed to save DH's shirt, when he was in the office yesterday, he was scratching his back with a pen and accidentally pressed the top and ended up with biro on his back **rolls eyes** load of Vanish and a wash and it's come out.

    Need to put the washer on a service wash, something stinks in the kitchen and I think its that, if not, it'll be the fridge.

    Our bed has been made this morning and dinner is something easy....ham, egg and chips or ham, chips and peas for DD as she doesn't like eggs.




    Wednesday ~ Master Bedroom & Landing
    Level 1
    Check fire alarms are working - Judging by my cooking, they work
    Remove and wash bed linen. - This was done at the weekend
    Level 2
    Dust surfaces & make sure no cobwebs..
    Vacuum mattress before replacing with fresh linen, air the bed if possible
    15 minutes floordrobe clearance
    Level 3
    Vacuum floors in bedroom and on landing
    Sort one area of clothes or linen storage making sure only what should be in there is, anything that's had it's day or doesn't belong there is removed
    Clear a hotspot., or spend 15 minutes clearing one.
    Do three extra acts of kindess fpr other people.

    Extra tasks list, as usual choose one or more

    •27 fling boogie time, time for that midweek fling, go on grab a bag and clear that clutter
    •Clean windows in these rooms
    •Check the airing cupboard, anything that is way past it's use by (maybe recycle for rags if possible, you could donate old sheets oor towels to a local animal rescue for bedding)
    •Clean tops of wardrobes and drawers (if safe to do so, no pregnant flyladies on ladders please delegate the job instead)
    •Check through undies drawers, anything more holy than the church which needs to go/be repaired? Anyone need anything replacing?
    •Give everyone at home a bag to collect the things which belong to them that are not where they should be, give them 15 minutes to find them all and put them away You could threaten to bin whatever is left if they don't seeing as everyones being quite ruthless this week
    Originally posted by Natty68
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £6200.00 Cap 1: £395.80 BC: £6841.81
    AFD xxx LTW 6/16
    POAMAYC 2018 #041 PD £6288.87/£7000
    Savings for Christmas £191.84/£365
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • Purplemumof2
    • By Purplemumof2 3rd Jan 18, 3:04 PM
    • 6,153 Posts
    • 22,636 Thanks
    Purplemumof2
    Afternoon,

    Spoke to a nice lady at the car finance place and the settlement letter has been emailed over to me...one thing ready for the weekend.

    One survey on PA done, so that's inching up slowly.

    DH did his tax return yesterday and is due a rebate...not a massive amount but will cover TP accident, so that can come off the Cap One card once it hits the bank account.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £6200.00 Cap 1: £395.80 BC: £6841.81
    AFD xxx LTW 6/16
    POAMAYC 2018 #041 PD £6288.87/£7000
    Savings for Christmas £191.84/£365
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • mummytogirls
    • By mummytogirls 3rd Jan 18, 4:32 PM
    • 6,183 Posts
    • 22,716 Thanks
    mummytogirls
    Brilliant news on DH's rebate PMO2 xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £5419.83 - 08/04/18 - 76.61% paid off
    • Mumoffourkids
    • By Mumoffourkids 3rd Jan 18, 6:24 PM
    • 628 Posts
    • 3,142 Thanks
    Mumoffourkids
    That's great news about the rebate Pmo2.
    Total debt Dec 2017 £23090.83
    Ma7 2018 £3691.78 84.01% paid
    Emergency fund £150/£600
    Total Savings £1328.05
    • Nicnak
    • By Nicnak 3rd Jan 18, 7:38 PM
    • 924 Posts
    • 5,168 Thanks
    Nicnak
    I love rebates, hardly ever have one 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
    • Purplemumof2
    • By Purplemumof2 3rd Jan 18, 8:18 PM
    • 6,153 Posts
    • 22,636 Thanks
    Purplemumof2
    I love rebates, hardly ever have one x
    Originally posted by Nicnak
    That's great news about the rebate Pmo2.
    Originally posted by Mumoffourkids
    Brilliant news on DH's rebate PMO2 xx
    Originally posted by mummytogirls
    If nothing else happens, I'll be back to paying the cap one off just doing surveys etc again.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £6200.00 Cap 1: £395.80 BC: £6841.81
    AFD xxx LTW 6/16
    POAMAYC 2018 #041 PD £6288.87/£7000
    Savings for Christmas £191.84/£365
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 3rd Jan 18, 9:17 PM
    • 4,426 Posts
    • 30,731 Thanks
    HairyHandofDartmoor
    Great news on the rebate and well done for getting biro off DH's shirt, how do they manage it?
    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
    • MistyMountainTop
    • By MistyMountainTop 4th Jan 18, 12:57 PM
    • 680 Posts
    • 2,459 Thanks
    MistyMountainTop
    I love reading your posts, you get so much done and in such an upbeat manner.

    I forgot about looking at flylady so will add it to my to-do list now!
    Current Weight Loss: 2/ 96
    • Purplemumof2
    • By Purplemumof2 5th Jan 18, 8:47 AM
    • 6,153 Posts
    • 22,636 Thanks
    Purplemumof2
    I love reading your posts, you get so much done and in such an upbeat manner.

    I forgot about looking at flylady so will add it to my to-do list now!
    Originally posted by MistyMountainTop
    Thanks, I'm trying to motivate myself rather than vegetate at night.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £6200.00 Cap 1: £395.80 BC: £6841.81
    AFD xxx LTW 6/16
    POAMAYC 2018 #041 PD £6288.87/£7000
    Savings for Christmas £191.84/£365
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • Purplemumof2
    • By Purplemumof2 5th Jan 18, 9:02 AM
    • 6,153 Posts
    • 22,636 Thanks
    Purplemumof2
    Morning,

    Had a carp nights sleep last night, worrying about changing the car insurance over of all things **rolls eyes** and I slept funny so I've slightly hurt my right hand side and ended up with a headache whilst on the motorway this morning.

    Insurance policy found and emailed to work, I've rung them and my insurance for the new car has gone down by £18.71pm....result! Covered from tomorrow.

    Need to empty my car tonight and make sure that I have everything ready for tomorrow.

    Not a NSD today, I need to buy some milk and as it's Friday, I'm buying my lunch today....my weekly treat. I've not used my £10 weekly allowance at all this week, so I can buy something really nice for lunch.

    Bank account checked and money transferred over from the savings to cover what's come out.

    Load out of tumble drier folded up this morning, second load partially dried, DH doesn't like it running when no one is in the house.

    Dinner tonight is spicy marinated pork, cheesy potatoes and peas, the pork is in the fridge ready all I need to do is the cheesy potatoes.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £6200.00 Cap 1: £395.80 BC: £6841.81
    AFD xxx LTW 6/16
    POAMAYC 2018 #041 PD £6288.87/£7000
    Savings for Christmas £191.84/£365
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • debtaghh
    • By debtaghh 5th Jan 18, 11:41 AM
    • 1,268 Posts
    • 4,808 Thanks
    debtaghh
    Sorry to hear you didn’t have a good night sleep, hope you have a nice day x
    Debt 16th October 2017: Cc £49,987- family £37,561: total debt £87549

    Current debt: Cc £43,953 , Family £ 39,264 total debt £83,217

    Frugal living challenge # 10- £8000 presents/ food/ entertainment/clothes/shoes/haircuts
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