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  • FIRST POST
    • Purplemumof2
    • By Purplemumof2 18th Jul 17, 1:57 PM
    • 6,559Posts
    • 24,749Thanks
    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: £5660.00 Lloyds: £9878.75 BC: GONE Cap One: GONE
    OD £0/£500 LC £371.25/£1500 Washer PAID
    POAMAYC 2018 #041 PD £7219.86/£7000
    Savings for Christmas £385.36/£400
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 12 2019 #003
Page 59
    • WannabeFree
    • By WannabeFree 8th Aug 18, 9:48 PM
    • 1,934 Posts
    • 17,715 Thanks
    WannabeFree
    Good luck tomorrow

    That's expensive travel

    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 Aug 18, 8:06 AM
    • 6,559 Posts
    • 24,749 Thanks
    Purplemumof2
    Thanks lovely, I doubt much will come from today to be honest not until he's pinned the bloke down.

    Yes, the travel is a bit much but if we were paying for DS too, it would be horrendously expensive. It does still work out cheaper than her getting two buses to school, so I'm happy about that
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £5660.00 Lloyds: £9878.75 BC: GONE Cap One: GONE
    OD £0/£500 LC £371.25/£1500 Washer PAID
    POAMAYC 2018 #041 PD £7219.86/£7000
    Savings for Christmas £385.36/£400
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 12 2019 #003
    • monz
    • By monz 9th Aug 18, 9:21 AM
    • 3,452 Posts
    • 11,683 Thanks
    monz
    Good luck today xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    car PCP - £1,428.92/£11,848.25 mum and dad £2,350/£4,000 mortgage - £82,420 o/s currently - paid £2,324.92 (£60.44 overpayment)
    Emergency Fund - £20/£500
    • Purplemumof2
    • By Purplemumof2 9th Aug 18, 11:29 AM
    • 6,559 Posts
    • 24,749 Thanks
    Purplemumof2
    Agency bloke been and we've had a chat...he's going to try a new line of attack and let me know how he gets on. Basically put it across that I don't want to leave but need to consider my options.

    So we'll see
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £5660.00 Lloyds: £9878.75 BC: GONE Cap One: GONE
    OD £0/£500 LC £371.25/£1500 Washer PAID
    POAMAYC 2018 #041 PD £7219.86/£7000
    Savings for Christmas £385.36/£400
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 12 2019 #003
    • mummytogirls
    • By mummytogirls 9th Aug 18, 2:39 PM
    • 6,318 Posts
    • 23,833 Thanks
    mummytogirls
    Hope this new plan of attack works PMO2 xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £5419.83 - 08/04/18 - 76.61% paid off
    • Purplemumof2
    • By Purplemumof2 9th Aug 18, 2:54 PM
    • 6,559 Posts
    • 24,749 Thanks
    Purplemumof2
    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.
    Originally posted by Purplemumof2
    Moving this one along, so that I remember what my long term plan is
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £5660.00 Lloyds: £9878.75 BC: GONE Cap One: GONE
    OD £0/£500 LC £371.25/£1500 Washer PAID
    POAMAYC 2018 #041 PD £7219.86/£7000
    Savings for Christmas £385.36/£400
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 12 2019 #003
    • hugglemonster
    • By hugglemonster 9th Aug 18, 3:11 PM
    • 470 Posts
    • 2,060 Thanks
    hugglemonster
    Hi ya, how annoying that the permanent contract is taking forever I hope it's resolved soon with a good offer.

    The 5 year plan looks great, this is something I should do as sometimes it may look like there is no end in sight with the debt but actually we're getting a step nearer each month.

    H x
    Debt:Overdraft 2 £2400 Credit card £2200 now £1580 Car - Purchased £11,518.40 now £6334.12 Barclays loan 3000 now £2673.96 Dad £300
    PAID - Computer £646.52, Overdraft 1 £2200
    Emergency fund: £10 General savings: £10
    • Purplemumof2
    • By Purplemumof2 9th Aug 18, 3:20 PM
    • 6,559 Posts
    • 24,749 Thanks
    Purplemumof2
    Hi ya, how annoying that the permanent contract is taking forever I hope it's resolved soon with a good offer.
    Originally posted by hugglemonster
    So do I, looking back through this diary, it was April when they mentioned it and the agency bloke has been chasing every since
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £5660.00 Lloyds: £9878.75 BC: GONE Cap One: GONE
    OD £0/£500 LC £371.25/£1500 Washer PAID
    POAMAYC 2018 #041 PD £7219.86/£7000
    Savings for Christmas £385.36/£400
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 12 2019 #003
    • Purplemumof2
    • By Purplemumof2 9th Aug 18, 4:08 PM
    • 6,559 Posts
    • 24,749 Thanks
    Purplemumof2
    Whilst I have this going around in my head, things I need to get sorted -
    • Update email address on Savings accounts
    • Fill in & send off voters form
    • Find and pay DD's travel
    • Sort principality account for OD/Mortgage over payments pots
    • Make a list of uniform bits needed
    • Check savings account for Christmas

    These are fairly imminent, especially the email addresses as I have changed mine.

    I'm hoping that now I've written it down, it will give me the push to sort it.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £5660.00 Lloyds: £9878.75 BC: GONE Cap One: GONE
    OD £0/£500 LC £371.25/£1500 Washer PAID
    POAMAYC 2018 #041 PD £7219.86/£7000
    Savings for Christmas £385.36/£400
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 12 2019 #003
    • Purplemumof2
    • By Purplemumof2 10th Aug 18, 8:44 AM
    • 6,559 Posts
    • 24,749 Thanks
    Purplemumof2
    Good Morning....it's Friday, which is always a good thing in my book

    I got a whatsapp message from my agency bloke to say that he's had a response, that it's all in hand and that my contract will be discussed with the MD and that they will go back to him. Watch this space.

    Had a fairly good week this week, meal plan gone to plan, brought my lunch every day and have spent very little.

    I need to adjust my LTW target as I am holiday for a full week and then we are back at Centre Parks towards the end of the month.

    I'm tempted to pay the £5 odd off the Cap One card, to round it down. I am nearly at my £7K target for the year, albeit there was a little bit of cheating at the start I will do it again next year.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £5660.00 Lloyds: £9878.75 BC: GONE Cap One: GONE
    OD £0/£500 LC £371.25/£1500 Washer PAID
    POAMAYC 2018 #041 PD £7219.86/£7000
    Savings for Christmas £385.36/£400
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 12 2019 #003
    • debtaghh
    • By debtaghh 10th Aug 18, 8:58 AM
    • 1,458 Posts
    • 5,502 Thanks
    debtaghh
    That sounds positive about your job. Well done on the debt reduction, your signature is looking good!
    • Purplemumof2
    • By Purplemumof2 10th Aug 18, 8:59 AM
    • 6,559 Posts
    • 24,749 Thanks
    Purplemumof2
    Thanks hun.

    I did it, I paid the £5.05 off the Cap One card so it's a nice round figure
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £5660.00 Lloyds: £9878.75 BC: GONE Cap One: GONE
    OD £0/£500 LC £371.25/£1500 Washer PAID
    POAMAYC 2018 #041 PD £7219.86/£7000
    Savings for Christmas £385.36/£400
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 12 2019 #003
    • hugglemonster
    • By hugglemonster 10th Aug 18, 5:06 PM
    • 470 Posts
    • 2,060 Thanks
    hugglemonster
    Ooh fab news that there's been a response to the job, here's to signing that contract!

    Well done on your progress to Cap 1 card and target for the year.

    H x
    Debt:Overdraft 2 £2400 Credit card £2200 now £1580 Car - Purchased £11,518.40 now £6334.12 Barclays loan 3000 now £2673.96 Dad £300
    PAID - Computer £646.52, Overdraft 1 £2200
    Emergency fund: £10 General savings: £10
    • doingitanyway
    • By doingitanyway 10th Aug 18, 6:00 PM
    • 3,677 Posts
    • 20,626 Thanks
    doingitanyway
    Roll on contract. All sounding positive
    Still loving the 6 year plan.
    Emergency fund 1100/1000
    NSD December 5/31 AFD 1/10, SFD 0/10
    IF NOT NOW THEN WHEN
    • WelshKitty85
    • By WelshKitty85 11th Aug 18, 4:26 PM
    • 863 Posts
    • 7,132 Thanks
    WelshKitty85
    Hi PMO2, I've just read through your diary and subscribed. I speed-read to the end to find out what happened with the permanent contract and think I'm more disappointed than you that you've not had your offer yet! Sounds like you won't have to wait too much longer though.

    Well done with your progress on the cap one card, you're doing so well
    Enough is enough...
    £29,603 (22/7/18) £22,692.24
    • jwil
    • By jwil 13th Aug 18, 9:35 AM
    • 9,320 Posts
    • 30,100 Thanks
    jwil
    Hope you get the answers soon x
    "If you can dream it, you can do it". Walt Disney
    • Purplemumof2
    • By Purplemumof2 13th Aug 18, 10:14 AM
    • 6,559 Posts
    • 24,749 Thanks
    Purplemumof2
    Morning,

    Thanks everyone, I'm really hoping that the contract comes through sooner rather than later, but based on recent events I'm not holding my breath.

    Food shop done at the weekend, freezer is fully stocked up now, we shouldn't need very much now until pay day.

    Work is going to be busy this week as we hand over to the client on Friday, cue usual panic, arguments and subbies running around like headless chickens to push the job through before Friday.

    I've brought my lunch with me today, aiming to be on track this month

    I didn't do a run this week/weekend but we did do a 14 mile round trip on the bikes with DH and the kids yesterday

    I'm aiming to do a few runs next week whilst I am off work and we are hoping to paint the lounge wall.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £5660.00 Lloyds: £9878.75 BC: GONE Cap One: GONE
    OD £0/£500 LC £371.25/£1500 Washer PAID
    POAMAYC 2018 #041 PD £7219.86/£7000
    Savings for Christmas £385.36/£400
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 12 2019 #003
    • Purplemumof2
    • By Purplemumof2 13th Aug 18, 1:56 PM
    • 6,559 Posts
    • 24,749 Thanks
    Purplemumof2
    Dilema time!!!!
    So DH has £300 of expenses due in on the 20th. Usually they'd go straight off the BC but I have a cunning plan....Pay the remainder off the Cap One card, so that is clear for DH's expenses use going forward and the remainder off the BC.

    That also means that come pay day this month the Cap one card debt will be gone for good and I can then plough everything on to the BC.

    The BC and MBNA will get the usual payments as normal.

    Would this work? Or should I stick with paying it off the BC as normal?
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £5660.00 Lloyds: £9878.75 BC: GONE Cap One: GONE
    OD £0/£500 LC £371.25/£1500 Washer PAID
    POAMAYC 2018 #041 PD £7219.86/£7000
    Savings for Christmas £385.36/£400
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 12 2019 #003
    • WannabeFree
    • By WannabeFree 13th Aug 18, 4:00 PM
    • 1,934 Posts
    • 17,715 Thanks
    WannabeFree
    If you're planning on DH using the cap one for his expenses I'd clear it this month then you know where you are. That way you know any balance on the cap one going forward is DH expenses and only that.

    I'm sure you've answered but do you not use the other two cards now either?

    So once you've cleared cap on and this is the card being used for expenses you will have a clearer picture of where the debt is and see it going down every month as you can 'disregard' the cap one card going forward.

    Hope that makes sense. That's what I'd do anyway

    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 13th Aug 18, 4:12 PM
    • 6,559 Posts
    • 24,749 Thanks
    Purplemumof2
    If you're planning on DH using the cap one for his expenses I'd clear it this month then you know where you are. That way you know any balance on the cap one going forward is DH expenses and only that.

    I'm sure you've answered but do you not use the other two cards now either?

    So once you've cleared cap on and this is the card being used for expenses you will have a clearer picture of where the debt is and see it going down every month as you can 'disregard' the cap one card going forward.

    Hope that makes sense. That's what I'd do anyway

    x
    Originally posted by WannabeFree
    That makes perfect sense hun

    The MBNA card has been put in hiding away from mischievous 14 year olds

    The BC will get used for general stuff but that is/was rare.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £5660.00 Lloyds: £9878.75 BC: GONE Cap One: GONE
    OD £0/£500 LC £371.25/£1500 Washer PAID
    POAMAYC 2018 #041 PD £7219.86/£7000
    Savings for Christmas £385.36/£400
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 12 2019 #003
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