Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • Buffythedebtslayer
    • By Buffythedebtslayer 25th Jul 17, 11:47 PM
    • 15,502Posts
    • 52,535Thanks
    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
    Sealed Pot 12 - 008, 365, 1p a day, 1%, 100 days, Saving to be out of debt!
Page 47
    • beanielou
    • By beanielou 10th Jan 19, 8:33 PM
    • 61,839 Posts
    • 265,089 Thanks
    beanielou
    Hope you are surviving the first week back Buffster xx
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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. ***Be the difference.***
    • Buffythedebtslayer
    • By Buffythedebtslayer 10th Jan 19, 9:21 PM
    • 15,502 Posts
    • 52,535 Thanks
    Buffythedebtslayer
    so tired.

    but that is my fault - up late last night.

    Headache has pretty much gone

    enormous spot on chin.

    Paid a small cc bill.

    have 500 pounds in the bank. IF (and it is a big IF) I can hang on to that It will go on the debt.

    Did I mention I am tired.

    XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX
    Sealed Pot 12 - 008, 365, 1p a day, 1%, 100 days, Saving to be out of debt!
    • beanielou
    • By beanielou 10th Jan 19, 9:29 PM
    • 61,839 Posts
    • 265,089 Thanks
    beanielou
    Go to bed Buffster xxx
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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. ***Be the difference.***
    • Buffythedebtslayer
    • By Buffythedebtslayer 10th Jan 19, 9:53 PM
    • 15,502 Posts
    • 52,535 Thanks
    Buffythedebtslayer
    Just finishing watching Death in Paradise
    Sealed Pot 12 - 008, 365, 1p a day, 1%, 100 days, Saving to be out of debt!
    • crazy_cat_lady
    • By crazy_cat_lady 11th Jan 19, 6:40 PM
    • 4,584 Posts
    • 39,823 Thanks
    crazy_cat_lady
    No tired like teacher tired...
    NST March Wins #9 nsd = 10 1 debt vs 100 days #5 50/553 Pay all your debt by Xmas '19 #56: 997.60/5750
    • beanielou
    • By beanielou 11th Jan 19, 6:45 PM
    • 61,839 Posts
    • 265,089 Thanks
    beanielou
    NOt unless it is CP tired
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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. ***Be the difference.***
    • Buffythedebtslayer
    • By Buffythedebtslayer 12th Jan 19, 10:50 PM
    • 15,502 Posts
    • 52,535 Thanks
    Buffythedebtslayer
    Evening all

    Went to the theatre yesterday, brilliant, was too wired to properly enjoy it but I did enjoy it if you see what I mean.

    It was a busy week. I have resisted Amazon and still have a reasonable amount of money, to the extent that I am going to the cinema this week and visiting a friend. Happy plans are important.

    And then next weekend is all about room cleaning. Oh and buying car insurance. Grrrr.

    XXX
    Sealed Pot 12 - 008, 365, 1p a day, 1%, 100 days, Saving to be out of debt!
    • beanielou
    • By beanielou 12th Jan 19, 10:56 PM
    • 61,839 Posts
    • 265,089 Thanks
    beanielou
    Happy plans are always good Buffster xx
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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. ***Be the difference.***
    • Buffythedebtslayer
    • By Buffythedebtslayer 13th Jan 19, 8:57 PM
    • 15,502 Posts
    • 52,535 Thanks
    Buffythedebtslayer
    Today I went to the tip twice.

    I took 13 bags of rubbish. I hadn't been the weekend before Christmas and the rabbits produce 2 bags of rubbish a week, more when it was briefly cold, plus extra Christmas stuff and some garden rubbish.

    Next weekend I will have to go again (the excitement is killing me) but I couldn't face a 3rd time as I have felt like crap all day, think a cold is coming.

    In other news SA has got me thinking about emergency funds.... as in I don't have one. And although I have had 1000 or 2 at times I have always paid off the debt with it (and then borrowed more in an emergency)

    I would need 6 grand to start with, 12 grand for 6 months.

    I also need to make a last ditch attempt for PPI.

    I shall go off and read up on Emergency funds and PPI. Again. Enormous excitement. How shall I cope?
    Sealed Pot 12 - 008, 365, 1p a day, 1%, 100 days, Saving to be out of debt!
    • beanielou
    • By beanielou 13th Jan 19, 9:09 PM
    • 61,839 Posts
    • 265,089 Thanks
    beanielou
    Passes the gin to help Buffster cope!
    Get that PPI claim in.
    Mind you I got a whole 9 quid!!! xx
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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. ***Be the difference.***
    • Buffythedebtslayer
    • By Buffythedebtslayer 14th Jan 19, 9:43 PM
    • 15,502 Posts
    • 52,535 Thanks
    Buffythedebtslayer
    Monday was EPIC-ALLY SUCKY!

    I am watching 13 Reasons Why on Netflix. I am late to the party - but it is very good.

    Need to go to bed. Have to get petrol tomorrow.

    wow my life I haven't spent anything today or ordered from Amazon.

    Not to take the !!!! but I do feel slightly like an addict standing up at a meeting.....It has been 24 hours since I last ordered from Amazon........
    Sealed Pot 12 - 008, 365, 1p a day, 1%, 100 days, Saving to be out of debt!
    • beanielou
    • By beanielou 14th Jan 19, 9:51 PM
    • 61,839 Posts
    • 265,089 Thanks
    beanielou
    Not ordered from Amazon today.
    Faints in shock xxx
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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. ***Be the difference.***
    • Buffythedebtslayer
    • By Buffythedebtslayer 14th Jan 19, 10:35 PM
    • 15,502 Posts
    • 52,535 Thanks
    Buffythedebtslayer
    Not ordered from Amazon today.
    Faints in shock xxx
    Originally posted by beanielou
    I know! it is a shocker! I might allow myself to order on Thursday

    I need guinea pig food..............Little fatties! But I might wait for the pet shop as I like to go there.
    Sealed Pot 12 - 008, 365, 1p a day, 1%, 100 days, Saving to be out of debt!
    • Buffythedebtslayer
    • By Buffythedebtslayer 17th Jan 19, 11:44 PM
    • 15,502 Posts
    • 52,535 Thanks
    Buffythedebtslayer
    Not ordered from Amazon today.
    Faints in shock xxx
    Originally posted by beanielou
    I had a naughty order of a CD and a present for my friend.

    Realised I needed to order a present for my friend's little girl.
    Pants.

    I am freezing.

    work has sucked. And I don't know what to do. Well ever since my old boss left I knew I wouldn't last long. So the search for a new job or different job begins.

    But then I think again about the kids. They are really good. But I suppose they always are.

    too much for Thursday Night.

    and I think the dog has just gone to wee in the kitchen. Awesome.
    Sealed Pot 12 - 008, 365, 1p a day, 1%, 100 days, Saving to be out of debt!
    • Buffythedebtslayer
    • By Buffythedebtslayer 20th Jan 19, 11:48 PM
    • 15,502 Posts
    • 52,535 Thanks
    Buffythedebtslayer
    Evening all,

    Standard weekend, nothing good, nothing so bad. Didn't go out tho and didn't go to the cinema during the week either. We both had to mark.

    house is a disaster. This Kon maring thing I am only half doing has made the place look like a hoarder lives here.

    Half -arsed plans - to go to Florida for Christmas.

    Would have to be done on the CC ( I know more debt!) but I want mum and I to enjoy life and have something to look forward to. It is only half arsed as in thought about it today after an honest conversation with Mum.

    I should be able to pay off 325 plus 500 this month, which would make me 4155 in debt.

    4155 / 6 = 692 a month.

    Still a bit much to pay off quickly.

    Got to make an effort to sell everything. And save the rest.

    Oh and I bought some fish... BUT I am going to reuse the stuff I have here to house them.

    I resisted buying a new tank, a new filter, and found the cheapest deal for them.

    I resisted a few things actually. The scary thing is I can't remember any of them........so clearly really really wanted them.

    Fish are coming on Thursday. I am working Wednesday. thrilling week.

    ooo update on "emergency fund"

    I have two accounts that I move my "spare change" into - anything less that fiver goes in, I have 231 in one account and 96.10 in the other (327.10) so that is my emergency fund. It was meant to be my fun money. But reality is definitely biting!


    XXXX
    Sealed Pot 12 - 008, 365, 1p a day, 1%, 100 days, Saving to be out of debt!
    • Buffythedebtslayer
    • By Buffythedebtslayer 26th Jan 19, 9:26 PM
    • 15,502 Posts
    • 52,535 Thanks
    Buffythedebtslayer
    Hmm been a funny old week.

    Work was awful, behaviour is not managed in any great way and the person in charge o behaviour believes EVERY single sob story going so children are getting away with a lot.

    And yes I am fully aware that many children have many issues but one tried to head butt a teacher Friday and the reply was well.....he missed so he won't be punished. He didn't miss, two other kids got in the way!

    We had our pay review letters and I have a pay rise. About 270...

    This has created a bit of a dilemma for me as being paid that for the next two years would be VERY helpful. I get the feeling behaviour is !!!! everywhere. At least here I don't have huge issues yet, have always been super strict and tad sarcastic so I have a rep but......... 1. That won't last with dipstick in charge, 2. It doesn't transfer.

    After the week before this my resignation was printed and ready to go. Now I am like..........hmmm. I may not get paid this elsewhere and starting again......for less??

    I have until Easter to decide.

    Oh and car insurance is so expensive. Paid for it with my wages but takes away the money for the CC debt. Which is a !!!!!! frankly. If that debt was gone I wouldn't worry so much about leaving my job. Tho I guess brexit has me worried too. I guess I should stick with security such as it is.

    I have paid into my penny a day account, the rest of the 300ish savings will be paid on the 1st. Trying to learn from SA and stick to a system.

    I should be ok this month money wise. Worried sick about Mum. She is on her own a lot. Forgets stuff. Does stupid stuff involving ladders.

    I am feeling better than I was at Christmas. Not worked out a way forward as such. But am ok. I love my dogs.
    Sealed Pot 12 - 008, 365, 1p a day, 1%, 100 days, Saving to be out of debt!
    • Sun Addict
    • By Sun Addict 26th Jan 19, 10:27 PM
    • 6,872 Posts
    • 49,455 Thanks
    Sun Addict
    Great news on the pay rise Not so good about the kids' behaviour though. I've said this before but have you considered the civil service, they are crying out for people like you and it's a rewarding job for those who are prepared to work (not that I'm biased ) Take a look on Civil Service Jobs website, see if anything takes your fancy.

    Anyway, I'm glad I got you thinking about an emergency fund and a system xx

    Take care Buffster xx
    Virtual Sealed Pot 2019 164.81
    Weight loss 6/9LBS
    Emergency Fund 3260/10,000
    • Pooky
    • By Pooky 27th Jan 19, 8:48 AM
    • 6,853 Posts
    • 44,489 Thanks
    Pooky
    Hope your Mum is ok, sounds a bit worrying.

    Did you ever get anything sorted with your sisters about what happens to the house if your mum needs to go into care? I'm not sure how it works with selling the property for care fees if you're living in it but not on the deeds. It's something we've had to think about as this house is in DHs name only (mortgage is in his name only as he could get a first time buyers rate) and I can't go on the deeds unless I'm added to the mortgage which I can't do because we can't apply for a new mortgage as our finances have changed. We are going to downsize next year to solve the issue but if anything happens in the mean time and full time care home is required then I'm basically homeless...which is worrying.
    "Start every day off with a smile and get it over with" - W. C. Field.
    • Buffythedebtslayer
    • By Buffythedebtslayer 27th Jan 19, 9:23 AM
    • 15,502 Posts
    • 52,535 Thanks
    Buffythedebtslayer
    Hope your Mum is ok, sounds a bit worrying.

    Did you ever get anything sorted with your sisters about what happens to the house if your mum needs to go into care? I'm not sure how it works with selling the property for care fees if you're living in it but not on the deeds. It's something we've had to think about as this house is in DHs name only (mortgage is in his name only as he could get a first time buyers rate) and I can't go on the deeds unless I'm added to the mortgage which I can't do because we can't apply for a new mortgage as our finances have changed. We are going to downsize next year to solve the issue but if anything happens in the mean time and full time care home is required then I'm basically homeless...which is worrying.
    Originally posted by Pooky
    Basically.........and it isn't pretty. Mum says she would rather be dead then in a home so won't deal with it as as she woon't deal with any of it and my sisters assume as with everything I would be alright! as I always am. If i am completely honest this is why i am trying to get rid of everything I own and make sure when I have to leave it will be as easy as possible. Also another reason why I don't want to quit my job and go for something less well paid or less stable. Also for all their faults they are understanding of various situations for staff.

    Middle sister has almost washed her hands of mum - understandably as her partner is now her only concern, eldest has a mantra of life is hard and we will get through cos the Lord will provide...(via my mum, via me I presume). The animals and I would be homeless. This is the fate facing my friend - "her" (dad's) house is being sold out from under her to pay his equity loan and she has no rights at all. she has about 6 months and will have to give up her animals. That breaks my heart. I rationally manage without the animals, but the dogs especially are my lifeline and comfort. It would be awful.

    So yes. Highly sucky to say the least! It is strange, until all this with my BIL Mum was brilliant but I think the constant strain of hospital and visits and lifts and just extreme Mum worry broke her. She was amazing during that time really but now has very little left.


    One side bar question, If I bought a flat via a loan, would that exclude me from first time buyer mortgages? Is it the first time having of the property or the first time having a mortgage??
    Sealed Pot 12 - 008, 365, 1p a day, 1%, 100 days, Saving to be out of debt!
    • in need of direction
    • By in need of direction 27th Jan 19, 10:40 AM
    • 5,616 Posts
    • 34,216 Thanks
    in need of direction
    I think it’s a first time buyer rather than a holder of a mortgage. I think I may have mentioned before that adults living in and contributing to a property have some protection. It might be an NI legal thing but it could be worth getting legal advice.
    Mortgage at 01.01.14 119,481.83 today 69,750.28, target 65,000 by 05/04/19 Offset fund today 447.27 target 5,500 by 05/04/19
    Emergency fund 1,100/5.5k & 200/200 cash.
    Weight 24/02/19 14st 7lb now 13st 8lb
    determined to stop defining myself by my mistakes.
    Progress not perfection.
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

2,261Posts Today

6,966Users online

Martin's Twitter