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  • FIRST POST
    • Purplemumof2
    • By Purplemumof2 18th Jul 17, 1:57 PM
    • 6,432Posts
    • 23,950Thanks
    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: £5960.00 BC: £349.99 Cap One: GONE Lloyds: £10,300.00
    OD £0/£500 LC £0/£1500 Washer £0/£309.99
    POAMAYC 2018 #041 PD £7219.86/£7000
    Savings for Christmas £314.24/£400
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
Page 53
    • jwil
    • By jwil 26th Apr 18, 12:31 PM
    • 8,988 Posts
    • 28,346 Thanks
    jwil
    Glad parents evening went well. Good luck with the targets for May
    "If you can dream it, you can do it". Walt Disney
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 26th Apr 18, 9:49 PM
    • 4,870 Posts
    • 34,515 Thanks
    HairyHandofDartmoor
    Great news about parents evening for DD . All of my DC had swimming lessons for quite a long time, as I wanted them to be strong swimmers and they only had one term of swimming at school!
    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
    • Sun Addict
    • By Sun Addict 26th Apr 18, 10:00 PM
    • 6,127 Posts
    • 41,380 Thanks
    Sun Addict
    Both my two were (still are) good swimmers. DS qualified as a life guard many years ago. Shamefully I can't swim. Someone threw me in a river when I was 15, I almost drowned,the experience still traumatises me and I have avoided water ever since.

    Good news about DD's parents evening.
    Virtual Sealed Pot 2018 £404.08
    Debt £2180
    Weight loss 0/6LBS
    Emergency Fund £4000/£10,000
    • Purplemumof2
    • By Purplemumof2 27th Apr 18, 8:38 AM
    • 6,432 Posts
    • 23,950 Thanks
    Purplemumof2
    Happy Friday
    Morning,

    DD's swimming assessment went well and although she's not right at the bottom, she's on Level 2 Junior Beginner. She has a free trial lesson in three weeks time (pool is shut for refurb) so she can then decide if she wants to actually do it. Lessons are £28 per month, so not too extortionate, but needs factoring in to the budget.

    Credit cards have been paid and the balances now look like this:

    MBNA: £6350
    BC: £6224.59
    Cap One: £407.72

    Total Amount paid off this month: £2179.48
    Total Amount Paid off to date: £5970.32 which is over my original target of £4000 and not far from my revised £7000 target.

    I'm determined that the Cap One card will be at least £300 by Christmas, which should be doable

    We need a new fridge, so I need to see what I can find. The fridge was left by the previous owners and is well past its sell by date....

    Got some nice free eggs from my mate on site this morning, he's such a lovely bloke

    I'm kind of eager for May to start, I want to get going and try and get my goals started. Is that silly....or sad?
    Last edited by Purplemumof2; 27-04-2018 at 8:42 AM.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £5960.00 BC: £349.99 Cap One: GONE Lloyds: £10,300.00
    OD £0/£500 LC £0/£1500 Washer £0/£309.99
    POAMAYC 2018 #041 PD £7219.86/£7000
    Savings for Christmas £314.24/£400
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • WannabeFree
    • By WannabeFree 27th Apr 18, 9:02 AM
    • 1,762 Posts
    • 15,484 Thanks
    WannabeFree
    I can't wait for May budgets/goals to start too I'm tempted to start early

    Happy Friday

    Have a lovely 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 27th Apr 18, 9:35 AM
    • 6,432 Posts
    • 23,950 Thanks
    Purplemumof2
    Just heard from my agency bloke and the company are considering offering me a permanent position they are going to discuss and go back to him. Everything does hinge on what they are thinking off offering though. But it has made my weekend.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £5960.00 BC: £349.99 Cap One: GONE Lloyds: £10,300.00
    OD £0/£500 LC £0/£1500 Washer £0/£309.99
    POAMAYC 2018 #041 PD £7219.86/£7000
    Savings for Christmas £314.24/£400
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • MeandO
    • By MeandO 27th Apr 18, 10:41 AM
    • 1,566 Posts
    • 7,517 Thanks
    MeandO
    Great news Purps! Hope it works out brilliantly for you xx
    House repairs: £4320 £3597.12 (£722.88 saved)
    Mortgage Feb 2015: £102,000 Mortgage now: £74,999
    2018 mortgage OP's: £1585.78/£1800
    Emergency Fund: £1000/£5000
    • jwil
    • By jwil 27th Apr 18, 1:39 PM
    • 8,988 Posts
    • 28,346 Thanks
    jwil
    Great news about the job
    "If you can dream it, you can do it". Walt Disney
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 2nd May 18, 9:51 PM
    • 4,870 Posts
    • 34,515 Thanks
    HairyHandofDartmoor
    Just heard from my agency bloke and the company are considering offering me a permanent position they are going to discuss and go back to him. Everything does hinge on what they are thinking off offering though. But it has made my weekend.
    Originally posted by Purplemumof2
    Good luck with the job Purplemum, I hope theyvmake you a good offer .
    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
    • Purplemumof2
    • By Purplemumof2 3rd May 18, 3:10 PM
    • 6,432 Posts
    • 23,950 Thanks
    Purplemumof2
    Hiya,

    Hope everything and everyone is ok? I'm loving the sunshine

    First things first - Lunches to work, only managed one so far this week, must improve or I won't hit my target.

    Washing - I have put two loads on the line outside first thing this morning, so I'm hoping that when I get home, they will be dry.

    No word as yet on the job front. but my 6 months isn't up until the middle of May, so not holding my breath until then.

    Got more free eggs from my friend, I'm sure he's got ostriches based on the size of them...either that or they're walking funny as a result!!!

    I'm thinking long term now and where I want us to be in the next 6 years, It would be great to get rid of at least half of the debt if not 3/4 of it.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £5960.00 BC: £349.99 Cap One: GONE Lloyds: £10,300.00
    OD £0/£500 LC £0/£1500 Washer £0/£309.99
    POAMAYC 2018 #041 PD £7219.86/£7000
    Savings for Christmas £314.24/£400
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • WannabeFree
    • By WannabeFree 3rd May 18, 5:27 PM
    • 1,762 Posts
    • 15,484 Thanks
    WannabeFree
    Hope you get good news on the job front

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • jwil
    • By jwil 4th May 18, 1:15 PM
    • 8,988 Posts
    • 28,346 Thanks
    jwil
    It's lovely to see Spring on the way at last!
    "If you can dream it, you can do it". Walt Disney
    • WannabeFree
    • By WannabeFree 4th May 18, 1:20 PM
    • 1,762 Posts
    • 15,484 Thanks
    WannabeFree
    Hope you 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 9th May 18, 1:53 PM
    • 6,432 Posts
    • 23,950 Thanks
    Purplemumof2
    Thought I'd better post an update.

    The weekend was lovely, I had the best weekend for a long time. Time spent with the kids and sorted out the garden, a trip to the garden centre and I have a few plants that I am hoping will take and look lovely once they are established.

    Had a disaster last week with my lunches, but I'm determined that this week will be different. I will need to bring my lunches every day until the end of the month if I am going to hit my target.

    I am supposed to be on a night out in London, Thursday of next week but it would mean that I would get to Waterloo about 8pm and would then need to get to where I am meeting my friends. So I have decided against it. It would cost me over £100 in train fare, drinks and a taxi home. So as I have booked the Friday off, I am going to use that day to blitz the house instead, windows open and music on.

    DH has got a pay rise, that takes effect hopefully this month, its not massive but with what he pays out in pension that more or less covers it so no worse and no better off.

    DH didn't get his expenses last month as they were in late, so he will have a bumper one this month. That'll help.

    A few surveys have been done, just need to be able to cash out on them, a bit to go yet.

    DS's parents evening tonight, I know it won't be a good one but I think he's turned a corner and I hope that this is realised by his teachers.

    My six year plan is coming together, I will be the age that DH is now and I seriously want us to be in a better position by then. I will post it later once I have finalised it.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £5960.00 BC: £349.99 Cap One: GONE Lloyds: £10,300.00
    OD £0/£500 LC £0/£1500 Washer £0/£309.99
    POAMAYC 2018 #041 PD £7219.86/£7000
    Savings for Christmas £314.24/£400
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • doingitanyway
    • By doingitanyway 9th May 18, 2:01 PM
    • 3,294 Posts
    • 17,729 Thanks
    doingitanyway
    Ooh, loving the idea of a 6 year plan
    Emergency fund 500/1000
    If not now then when?
    • Purplemumof2
    • By Purplemumof2 9th May 18, 2:22 PM
    • 6,432 Posts
    • 23,950 Thanks
    Purplemumof2
    My Six Year Plan
    I was once told that its a good idea to make a plan of where you want to be in 6 years from now. I was told that the plan should be no more than 5-6 items, any more than it is overwhelming and any less and you have nothing to aim for. I have done this most of my life, sometimes it works and sometimes 'life' gets in the way and the plan doesn't happen.

    I have thought for sometime about where I want to be financially and I have made my plan and finalised it.
    • All annual bills paid in full each year
    • All debt paid off – Aim 5 years
    • Money in savings
    • Overpay mortgage
    • Budget better

    DS will be coming up to 20 and DD will be coming up to 17 by then and I don't want this to carry on, I'd like for us to help them financially if and when they need it.

    My personal six year plan is a lot different but moving house was on it and that has happened, so that is going the right way.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £5960.00 BC: £349.99 Cap One: GONE Lloyds: £10,300.00
    OD £0/£500 LC £0/£1500 Washer £0/£309.99
    POAMAYC 2018 #041 PD £7219.86/£7000
    Savings for Christmas £314.24/£400
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 9th May 18, 6:55 PM
    • 4,870 Posts
    • 34,515 Thanks
    HairyHandofDartmoor
    That sounds like a great plan Purplemum and I'm sure it will help you to focus on your goals. The six year timescale seems realistic too.

    I hope parents evening goes well
    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
    • jwil
    • By jwil 10th May 18, 12:42 PM
    • 8,988 Posts
    • 28,346 Thanks
    jwil
    Glad you had a nice weekend. Love the 6 year plan
    "If you can dream it, you can do it". Walt Disney
    • Purplemumof2
    • By Purplemumof2 17th May 18, 10:06 AM
    • 6,432 Posts
    • 23,950 Thanks
    Purplemumof2
    Morning,

    I did an update the other day but my internet went down at work and I lost the blasted thing.

    So Parent's evening for DS was horrendous, I could've cried. In all the years he's been at school, we've never had one this bad

    No news on the company taking me on yet....I've done my 6 months, so I guess it is a wait and see...no rush for me, just wish to know that's all.

    May's plan is going okay but could do better....story of my life eh?!

    I was supposed to be going out tonight in London with some ex-colleagues but that is now not happening. In a way I'm glad, as by the time I get there it'll be 8pm and then another half an hour on the tube to the meeting place, a couple of drinks and then home, I can't justify spending nearly £100 for it. But as I am off on holiday tomorrow, I am going to get rid of the kids and hubby, open the windows, put War of the Worlds on and blitz the house instead

    DH's expenses are due in tomorrow, he has two months worth due and they are sorely needed.

    DD has her trial swimming lesson on Saturday, really hope she likes it.

    DS's Cadets subs have been set up now, so I need to factor that in to the finances. DS had his Annual Inspection last night and was awarded his Leadership badge, he was so chuffed bless him

    Nothing much else I can report. Will do my list for the flyladying tomorrow, so I have an angle of attack
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £5960.00 BC: £349.99 Cap One: GONE Lloyds: £10,300.00
    OD £0/£500 LC £0/£1500 Washer £0/£309.99
    POAMAYC 2018 #041 PD £7219.86/£7000
    Savings for Christmas £314.24/£400
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • Purplemumof2
    • By Purplemumof2 17th May 18, 10:09 AM
    • 6,432 Posts
    • 23,950 Thanks
    Purplemumof2
    Flylady so far!
    Monday - Spoil yourself - the boudoir!
    ]Your bedroom should be a clutter-free room in which to relax and recover. Hopefully waking up in a clean, tidy bedroom will give you the oomph to attack the rest of the house.

    Level 1

    Open the window
    Strip the bed and wash the sheets
    Clear the floor/chairdrobe
    Take out any rubbish
    Wipe sockets, switches and door handles with a just-damp cloth

    Level 2

    Dust/wipe/vacuum the bedframe inc headboard
    Remake the bed
    Open the window and wipe the frame
    Clean the sill and window

    Level 3

    Dust everywhere
    Sweep/wipe/mop floor
    Clear out a drawer - even if it's just a little one in a bedside table

    Extras

    S&S kitchen
    S&S bathroom
    Mad half hour - work on a challenge OR batch bake/double up on a meal and freeze some - I am aware that some flyladies are really busy caring for others right now - see if you can free up some food prepping time by making a freezeable meal.
    HHI


    Tuesday Twinkles - Kitchen and Dining Room

    Level 1

    Clean table - don't forget the legs!
    Wipe mats and/or change cloth
    Wipe sockets and switches
    Clear worktops and wipe down
    Wipe kettle/clean toaster
    Clean/wipe whatever lives on worktop
    Put everything else away

    Level 2

    Clean drawer and cupboard fronts
    Clear moulding/rotting furries from fridge and wipe out
    Ungunge drain holes
    If you've time remove shelves etc and wash out properly

    Level 3

    Wipe hob and oven
    Sweep/vacuum/mop floor
    Clean windows and wipe sills

    Extras

    peg out some washing
    open some windows
    HHI
    S&S bathroom
    If you've got littlies half term looms - make some plans


    Wonderful Wednesday - hump day - and bathrooms

    Level 1

    Throw the windows wide open
    If you have a shower curtain that can be machine washed get it in the machine and on the line to dry in the sunshine
    If not - then wash towels/bathmats/facecloths
    Flush the loo and fling some cleaner down
    Scrub inside and out - don't forget the handles/buttons
    Empty bathroom bins

    Level 2

    If you've an extractor fan get the vacuum on it - shift that dust
    Scrub the bath/shower and polish the screen too
    Polish taps and brightwork - don't forget hoses!


    Level 3
    Scrub the sink
    Wipe and cupboard tops, doors, drawers and handles - don't forget the pull switch
    Sweep/vacuum/mop floor
    If you use anti mould/mildew spray spritz the grout with that (I just found one in Savers...I that shop) and leave to do its work!

    Extras

    HHI
    S&S kitchen. My MAD half hour - challenge work OR pull some weeds or cut some grass or water some thirsty plants (as long as they're not being baked by the sun)

    Have a lovely Wednesday x

    Thursday Thrills - Love your Lounge

    Level 1

    Fling any carp
    Wipe or vacuum upholstery - turn/rotate moveable seat pads
    Plump cushions
    With a just-damp cloth wipe light switches, handles and sockets

    Level 2

    Dust and polish all furniture
    De-web

    Level 3

    Dust skirtings
    Vacuum, sweep or mop floor

    Extras

    Check all smoke alarms are fully-functional
    Make sure you know where your keys are to get out if you need to - and make sure any overnight guests know too - especially, if like mine, all your doors are key-locked.
    S&S kitchen
    S&S bathroom
    HHI
    MAD half hour - post what you do!
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £5960.00 BC: £349.99 Cap One: GONE Lloyds: £10,300.00
    OD £0/£500 LC £0/£1500 Washer £0/£309.99
    POAMAYC 2018 #041 PD £7219.86/£7000
    Savings for Christmas £314.24/£400
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
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