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  • FIRST POST
    • Buffythedebtslayer
    • By Buffythedebtslayer 25th Jul 17, 11:47 PM
    • 15,159Posts
    • 49,896Thanks
    Buffythedebtslayer
    Buffy Keeps on the Straight and Narrow
    • #1
    • 25th Jul 17, 11:47 PM
    Buffy Keeps on the Straight and Narrow 25th Jul 17 at 11:47 PM
    Hello,

    I used to post here loads and loads, I have been debt free since 2011 but I am due dental work (yes finally!) and need glasses and work done on the car, the house and the garden so am going to do a 0% balance transfer if I can time everything right and then work very hard on paying it off.

    I do have some savings but they are staying as an emergency fund, I like the security they give me. Plus they may well not be enough. In the back of my mind I think I am due a tax rebate as well, not had time to investigate yet.

    Some things have changed and some things stay the same. As a family we are having a very hard time and that is partly why I am back, I need a reminder not spend all the time and to try to find the cheapest ways to do things. Especially eating.

    Lately I have been buying things from Amazon like it doesn't cost me a thing and do not even get me started on the contactless payment option.....it is really bad!!

    I get paid tomorrow so a little sort out of the budgets and then an investigation of 0% BT offers.

    Love

    Buffy
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
Page 20
    • Buffythedebtslayer
    • By Buffythedebtslayer 11th Mar 18, 11:07 PM
    • 15,159 Posts
    • 49,896 Thanks
    Buffythedebtslayer
    Today was better.

    got a fair bit done. also spent money but I have 5 outfits for work at the moment and that simply isn't good enough.

    Hope everyone has a good week XXXX
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • Buffythedebtslayer
    • By Buffythedebtslayer 11th Mar 18, 11:08 PM
    • 15,159 Posts
    • 49,896 Thanks
    Buffythedebtslayer
    Just make sure that it's spent on things that will enhance your life.
    Originally posted by in need of direction
    I keep reading this. XXX

    (so far, car when one comes up, clothes, a summer house)

    XX
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • in need of direction
    • By in need of direction 12th Mar 18, 12:19 AM
    • 4,994 Posts
    • 28,755 Thanks
    in need of direction
    5 outfits means the laundry doesn't mount up.
    Mortgage at 01.01.14 119,481.83 today 75,897.72, target 65,000 by 31/12/18 Offset fund today 227.27 target 5,500 by 31/12/18
    Emergency fund 0.7/5.5k & 200/200 cash.
    Current weight loss RUBBISH need to refocus
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • Buffythedebtslayer
    • By Buffythedebtslayer 12th Mar 18, 7:23 PM
    • 15,159 Posts
    • 49,896 Thanks
    Buffythedebtslayer
    5 outfits means the laundry doesn't mount up.
    Originally posted by in need of direction

    It totally does mean that but it also means that a little girl in year seven said me last week it must be Tuesday cos you are wearing your purple top...............oooook......

    so yeah need a bit more choice!
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • beanielou
    • By beanielou 12th Mar 18, 7:26 PM
    • 53,926 Posts
    • 213,534 Thanks
    beanielou
    Happy new clothes
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • Buffythedebtslayer
    • By Buffythedebtslayer 12th Mar 18, 7:30 PM
    • 15,159 Posts
    • 49,896 Thanks
    Buffythedebtslayer
    ooooo Beanie, thank you for the leaflet <3

    Very interesting xxxx
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • beanielou
    • By beanielou 12th Mar 18, 8:21 PM
    • 53,926 Posts
    • 213,534 Thanks
    beanielou
    Oh glad that you got it Buffy xxx
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • Buffythedebtslayer
    • By Buffythedebtslayer 15th Mar 18, 10:07 PM
    • 15,159 Posts
    • 49,896 Thanks
    Buffythedebtslayer
    Spent about 60 on clothes.

    knackered. BIL had op today and so far has come through it ok.

    Last hurdle before he comes home.

    XXX
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • beanielou
    • By beanielou 15th Mar 18, 10:13 PM
    • 53,926 Posts
    • 213,534 Thanks
    beanielou
    Happy new clothes
    Good news on your BIL.
    Hope you are feeling better.
    One day til the weekend xxx
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • in need of direction
    • By in need of direction 15th Mar 18, 11:57 PM
    • 4,994 Posts
    • 28,755 Thanks
    in need of direction
    Fingers crossed for BIL
    Mortgage at 01.01.14 119,481.83 today 75,897.72, target 65,000 by 31/12/18 Offset fund today 227.27 target 5,500 by 31/12/18
    Emergency fund 0.7/5.5k & 200/200 cash.
    Current weight loss RUBBISH need to refocus
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • Buffythedebtslayer
    • By Buffythedebtslayer 16th Mar 18, 9:19 PM
    • 15,159 Posts
    • 49,896 Thanks
    Buffythedebtslayer
    BIL is doing ok, had fish and chips for tea.

    We have a week till he comes home!!!

    So weird. This hell will soon be over.

    I need to check my bank and stop spending money.

    xxx
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • Sun Addict
    • By Sun Addict 16th Mar 18, 9:36 PM
    • 5,717 Posts
    • 37,342 Thanks
    Sun Addict
    Glad BIL's op went well

    Have a nice relaxing weekend xx
    Virtual Sealed Pot 2018 250.33
    Debt 2500
    May NSDs AFDs
    Weight loss 7/10LBS
    Emergency Fund 2000/10,000
    • Buffythedebtslayer
    • By Buffythedebtslayer 17th Mar 18, 11:56 AM
    • 15,159 Posts
    • 49,896 Thanks
    Buffythedebtslayer
    The snow and cold has somewhat put a spanner in the works, got the car back ok, have a budget of 2500 for a car as this cost 500 but at least I have a car. Sainsbury's are late and I have cancelled another night out as I think it is too cold (and maybe snowy) for Mum to go out.

    I have found a summer house. They install it as well. Hope I can get it done in the holidays.....and then it is on with the decluttering and sorting.

    Had major problems with the gardener. He didn't finish the work and can't give a day when he can. Rubbish.

    Can anyone suggest a basic healthy diet plan to follow. Random I know but I eat so badly and get so hungry. I know losing weight isn't going to happen but I would rather not get more fat.

    For example I have just had two slices of toast and 4 chocolate biscuits. I feel ill now. not surprising I know. But I was starving and ate whatever I could find!

    and now I just want to sleep.
    Last edited by Buffythedebtslayer; 17-03-2018 at 12:03 PM.
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • redofromstart
    • By redofromstart 17th Mar 18, 12:01 PM
    • 1,676 Posts
    • 10,014 Thanks
    redofromstart
    Sorry about the gardener.

    I like slimming world as it is balanced and reasonable, and there is a lovely thread here that explains it all.
    • beanielou
    • By beanielou 17th Mar 18, 8:07 PM
    • 53,926 Posts
    • 213,534 Thanks
    beanielou
    Slimming world all the way Bufffster.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • beanielou
    • By beanielou 17th Mar 18, 8:08 PM
    • 53,926 Posts
    • 213,534 Thanks
    beanielou
    How long has BIL been in hospital?
    Was it about September?
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • Buffythedebtslayer
    • By Buffythedebtslayer 17th Mar 18, 10:20 PM
    • 15,159 Posts
    • 49,896 Thanks
    Buffythedebtslayer
    He went in in July.

    Had a nice dinner. Got a terrible headache. Ridiculous but think it is the snow! the stress of cancelling the night out, being cold and worrying.

    Can't believe this is the last Saturday night I will be picking up sister!

    XXXX
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • a_silver_lining
    • By a_silver_lining 18th Mar 18, 8:38 AM
    • 219 Posts
    • 664 Thanks
    a_silver_lining
    Not sue if it helps Buffy, but I've lost some weight over the past 2.5 years and got generally healthier by doing one thing which I think is long term sustainable.

    I swap unhealthier food for good food along the way rather then diet. So mashed potato or rice become mashed or grated cauliflower, pasta becomes courgette or this dried bean pasta alternative I found. I don't mean cut all the carbs, I still eat them, but I eat healthier bread for example. Porridge has become toast with peanut butter, or yoghurt and banana smoothie. I've just swapped alternatives as I found them. No strict diet I can fall off, so no reason to fail.

    I still eat what I want though, dinner last night was popcorn at the cinema!! And friday night takeaway has turned into nachos with homemade dips (far more healthy then store bought) but as much cheese as I want!
    19/12/14: Spent 10 years of savings!!
    ..... to buy my first home.

    2018: 1200 savings --- Family Loan (3250 direct + 1750 saver) 5000/10K paid 50%
    #38 1% Challenge: 514.70/ 2018, now at 25%!
    • beanielou
    • By beanielou 18th Mar 18, 10:38 AM
    • 53,926 Posts
    • 213,534 Thanks
    beanielou
    Hope you feel better today Buffy.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • Buffythedebtslayer
    • By Buffythedebtslayer 18th Mar 18, 6:26 PM
    • 15,159 Posts
    • 49,896 Thanks
    Buffythedebtslayer
    Today was a much better day

    I think my friend is upset we had to cancel but the snow would have meant a freezing night! And sister needed a lift. Last weekend I will be doing this tho well next Sunday will be the last one! but am out on the Saturday.

    Today tho was nice food and chilling out, bit of cleaning, bit of indoor gardening bit of hoovering! thrilling life

    XX
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
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