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  • FIRST POST
    • Purplemumof2
    • By Purplemumof2 18th Jul 17, 1:57 PM
    • 6,070Posts
    • 22,292Thanks
    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 50
    • WannabeFree
    • By WannabeFree 1st Mar 18, 9:36 AM
    • 1,527 Posts
    • 13,159 Thanks
    WannabeFree
    Have a lovely PMO2

    I saw your snow pics, is it still snowing there?

    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 Mar 18, 9:46 AM
    • 6,070 Posts
    • 22,292 Thanks
    Purplemumof2
    Morning,

    Working from home yesterday and today and the kids school is closed too. Lots of snow around here.

    DH has taken my car in an attempt to get to work but I think he may end up coming home again.
    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
    • boxofpaws
    • By boxofpaws 2nd Mar 18, 10:00 AM
    • 493 Posts
    • 2,128 Thanks
    boxofpaws
    You do seem to be very hard on yourself, Purps.

    In your very own posts, you have nearly hit your year's target so you are almost DOUBLING it. That's seriously good work, right there.
    Debt 03/01/17 = £42000
    Debt today = £27,819.22
    • jwil
    • By jwil 2nd Mar 18, 12:35 PM
    • 8,503 Posts
    • 25,998 Thanks
    jwil
    You've done really well in Feb, hope March is good too
    "If you can dream it, you can do it". Walt Disney
    • Purplemumof2
    • By Purplemumof2 4th Mar 18, 7:34 AM
    • 6,070 Posts
    • 22,292 Thanks
    Purplemumof2
    Sunday
    Morning,

    No weekly round up this week as the last one was pretty bad.

    Food shop done yesterday, the snow has virtually melted here now I have enough now for the rest of the month, just need top ups now

    DD's been itching to do some baking, so we spent a few hours having a baking session and having a giggle too, we made some brownies and fairy cakes of which DD 'had' to test

    I've got two batches of fairy cakes, made with free eggs, these are going to site on Monday and the rest will be staying at home for the kids.

    We had homemade lasagne for dinner last night, so I have some left over for lunch next week.

    We're having roast beef today, so that'll give me a lunch for tomorrow.

    Need to sort out some bits today and make sure the kids are ready for school tomorrow.

    Aiming for a low spend week and will try harder with the AFD's this week.

    Have a great Sunday
    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 4th Mar 18, 7:36 AM
    • 6,070 Posts
    • 22,292 Thanks
    Purplemumof2
    You do seem to be very hard on yourself, Purps.

    In your very own posts, you have nearly hit your year's target so you are almost DOUBLING it. That's seriously good work, right there.
    Originally posted by boxofpaws
    Thanks but it was technically cheating

    You've done really well in Feb, hope March is good too
    Originally posted by jwil
    Thanks, it doesn't feel like it March will be better, I hope.
    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 6th Mar 18, 11:04 AM
    • 6,070 Posts
    • 22,292 Thanks
    Purplemumof2
    Morning,

    Thought I'd updated yesterday but I forgot...naughty!

    Sunday had a good result managed to swap home insurers and saved £7pm and as I did it through Quidco I have £30 coming back. Adm!ral couldn't beat the quote I got, but no real loss.

    Waiting on the gas/electric bill to come through then I can look at whether to change them too or not.

    Issues with DS school and the math teacher may have been resolved, it does appear to mainly be DS but both him and his teacher have agreed to work on moving things on.

    Last night was my first AFD of the week, so I'm off the starting blocks there

    Brought my lunch to work yesterday and today, I'm determined to keep this going this month. I usually buy my lunch on Fridays but as I failed in February, I'm going to try and keep it going this month and only buy my lunch the odd time.

    DH has used some of his bonus to pay for us to go to Centre Parks for a long weekend at the end of the Easter Hols. He's also thinking about us going abroad, first time for me and the kids, this will also come out of any commission he gets and as we've not been on holiday for the past 6 years, I think that we need this as a family.

    I got some more free eggs from my colleague and the cakes I made at the weekend have gone down a treat

    My project manager is going to countersign the kids passports, so they can be sent off and DD can go on her school trip and DS can go on his trip with Cadets (He's hoping to go to Germany in the Summer with them).
    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 6th Mar 18, 2:00 PM
    • 4,112 Posts
    • 27,902 Thanks
    HairyHandofDartmoor
    I'm trying to catch up on all the diaries I follow. Sorry I've been awol for a few weeks.

    Sorry you've had a cold and been feeling down Purplemum but you sound like you're on the up and up now.

    I have a March birthday too, so we both get two celebrations this month .

    Have a good Tuesday.
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund. Then save up for repairs to the house.
    Emergency Fund 1 = £81.59/Emergency Fund 2 = £41.81/Loss of Income Fund £0
    • boxofpaws
    • By boxofpaws 6th Mar 18, 10:48 PM
    • 493 Posts
    • 2,128 Thanks
    boxofpaws
    Ooh I love all holiday talk, feel free to expand

    Well done on the AFD and insurance triumphs
    Debt 03/01/17 = £42000
    Debt today = £27,819.22
    • debtaghh
    • By debtaghh 7th Mar 18, 6:15 AM
    • 1,220 Posts
    • 4,486 Thanks
    debtaghh
    Well done on the savings.

    Holiday sounds great, we love center Parcs and going abroad will be amazing.
    Debt 16th October 2017: Cc £49,987- family £37,561: total debt £87549

    Current debt: Cc £42,775 , Family £ 39,608 total debt £82,383

    Frugal living challenge # 10- £8000 presents/ food/ entertainment/clothes/shoes/haircuts
    • jwil
    • By jwil 7th Mar 18, 2:45 PM
    • 8,503 Posts
    • 25,998 Thanks
    jwil
    Well done on the insurance savings
    "If you can dream it, you can do it". Walt Disney
    • Purplemumof2
    • By Purplemumof2 10th Mar 18, 8:18 AM
    • 6,070 Posts
    • 22,292 Thanks
    Purplemumof2
    Saturday
    Morning,

    It's Saturday and after such a hectic week, work wise, I'm glad.

    Weekly round up

    Good things

    Took my lunch to work every day
    DH sorted out DC's passport forms
    Stuck to meal plan
    Work has been busy
    DS had a great week at school

    Bad things

    Car has come up with needing yet another service - waiting for a call back from dealership
    One AFD this week


    A much better week this week.

    Work wise, I think I may have annoyed someone as they tried to slope off on to me part of their job which I queried and she got told that, I'm ok to help but ultimately it's her job. I only queried it as I hadn't been told that I was now doing it. Oh well.

    This weekend looks like this:
    • Top up shop - need a few bits
    • DS has his friend over so they can do their English homework
    • Washing
    • Ironing
    • Need to change our bed
    • Need to nip to bank to pay two cheques in

    It's my birthday next week, so I'm treating myself and buying my lunch that day need to get cakes for the site too.

    DD is auditioning for the school play, 39 Steps, after school on Tuesday so she will need bus fare.

    DS had a brilliant week at school and got some DARE points and like his sister, got extra money put on his account on Friday for it. Just hope he keeps it up.

    Pay out from PA hit PayPal, so need to transfer that over and pay it off the Cap One card.
    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
    • debtaghh
    • By debtaghh 10th Mar 18, 8:51 AM
    • 1,220 Posts
    • 4,486 Thanks
    debtaghh
    Morning

    You seem to be doing well.

    Hope you have a lovely weekend and if you're not on here again before your birthday, hope you get spoilt on your special day ( and tomorrow too!)

    X
    Debt 16th October 2017: Cc £49,987- family £37,561: total debt £87549

    Current debt: Cc £42,775 , Family £ 39,608 total debt £82,383

    Frugal living challenge # 10- £8000 presents/ food/ entertainment/clothes/shoes/haircuts
    • Sun Addict
    • By Sun Addict 10th Mar 18, 5:35 PM
    • 5,712 Posts
    • 37,270 Thanks
    Sun Addict
    You're as bad as me with the AFDs. I managed two this week, wanted three. One thing that helps me is I've discovered I like alcohol free lager, even though I don't like beer. It feels like you're having a treat. I usually drink wine and have tried AF wine - it's awful.

    Have a fab weekend and Happy Birthday for next week
    Virtual Sealed Pot 2018 £250.33
    Debt £2500
    May NSDs AFDs
    Weight loss 7/10LBS
    Emergency Fund £2000/£10,000
    • Nicnak
    • By Nicnak 11th Mar 18, 7:24 PM
    • 907 Posts
    • 5,052 Thanks
    Nicnak
    Sounds like you are back on track now. I love Center parcs. We just chill in the evening with the log fire and enjoy time as a family. Nothing compares to it. x
    September 6th 2017 - Updated 13th May 2018
    Credit Card £0 now: £460 Tesco Loan £7500 = £0 Consolidation £15,000 = £13,855 Total = £25,330 £14,315 43% gone EMF #252 = £700/£1000
    Sealed pot challenge #589
    Pay off all your debts by Christmas #71
    • Purplemumof2
    • By Purplemumof2 12th Mar 18, 9:56 AM
    • 6,070 Posts
    • 22,292 Thanks
    Purplemumof2
    Morning

    You seem to be doing well.

    Hope you have a lovely weekend and if you're not on here again before your birthday, hope you get spoilt on your special day ( and tomorrow too!)

    X
    Originally posted by debtaghh
    Thank you x

    You're as bad as me with the AFDs. I managed two this week, wanted three. One thing that helps me is I've discovered I like alcohol free lager, even though I don't like beer. It feels like you're having a treat. I usually drink wine and have tried AF wine - it's awful.

    Have a fab weekend and Happy Birthday for next week
    Originally posted by Sun Addict
    I quite like the AF wine, but not too keen on Eisberg, I find that Sainsbury's own is rather nice.

    Thanks for the wishes x

    Sounds like you are back on track now. I love Center parcs. We just chill in the evening with the log fire and enjoy time as a family. Nothing compares to it. x
    Originally posted by Nicnak
    That sounds wonderful, I'm really looking forward to it now 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
    • Purplemumof2
    • By Purplemumof2 12th Mar 18, 10:00 AM
    • 6,070 Posts
    • 22,292 Thanks
    Purplemumof2
    Morning,

    Some bits and bobs paid off the Cap One card today, so that has gone down to a nice £433.67. My yearly target has now also changed and I'm 50% of the way to my new target for the year

    Lunches are sorted for this week, bar Wednesday when I'm buying my lunch.

    I'm still plodding on with the AFD's and will try to make a bit more of an indent this 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
    • doingitanyway
    • By doingitanyway 12th Mar 18, 10:14 AM
    • 3,007 Posts
    • 14,708 Thanks
    doingitanyway
    You sort all your lunches for the week on one day? Why don't I do that?

    50% is great
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • jwil
    • By jwil 12th Mar 18, 12:16 PM
    • 8,503 Posts
    • 25,998 Thanks
    jwil
    Well done on 50% in March
    "If you can dream it, you can do it". Walt Disney
    • Purplemumof2
    • By Purplemumof2 16th Mar 18, 11:06 AM
    • 6,070 Posts
    • 22,292 Thanks
    Purplemumof2
    Hi,

    I'm still here but there is a lot going on in the background that probably means I won't be online for the foreseeable future.

    Stressed isn't the word and I need to concentrate on the background stuff until it is sorted.
    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
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