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  • FIRST POST
    • MessyMare
    • By MessyMare 27th Jul 17, 9:40 PM
    • 966Posts
    • 4,084Thanks
    MessyMare
    Running around in circles again
    • #1
    • 27th Jul 17, 9:40 PM
    Running around in circles again 27th Jul 17 at 9:40 PM
    Sigh.

    Long time forumite back after a long, long time.

    It's funny really - I do so well when I check into the forums every day, check my bank balance, reconcile with YNAB every day...then I stop. And the debt piles on. And I feel a bit ill just looking at it.So I stop. And live in a beautiful La-La Land of crafty shopping sprees and mounting debt.

    It's the same with weight loss really. Both seem to go hand in hand *cough*lackofselfcontrol*cough*. I want to be one of those sprightly gazelle types you see running along at stupid o clock in the morning while I'm slogging in to work on overtime because it gets so loud in there I can't think. To do any kind of decent work I need peace and quiet, the kind of peace and quiet I can only get at 7am. Don't get me wrong, the overtime is nice but crikey, it comes at a cost - my self control sucks even more badly when I'm tired. I'm threatening to build myself a cubicle from old pallets and electric fencing.

    I'm just logging into YNAB to get my overall number (this includes the principle on the mortgage too mind).

    Drumroll please

    -£76843.00



    Well. The only way is up, I suppose.

    See you tomorrow.
    Last edited by MessyMare; 10-08-2017 at 6:16 AM. Reason: Correcting debt number
    DEBT: £3585.91/£76843
    Pay ALL your debt off by Xmas 2018 #033 £635.78/£2435.78
    EMERGENCY FUND: £1000/£1000
    Our greatest weakness lies in giving up; always try just one more time
Page 1
    • MessyMare
    • By MessyMare 28th Jul 17, 6:46 PM
    • 966 Posts
    • 4,084 Thanks
    MessyMare
    • #2
    • 28th Jul 17, 6:46 PM
    • #2
    • 28th Jul 17, 6:46 PM
    SO

    Pretty good day today. I got weighed in (though I don't know how much I weigh, I know I've gained so I'll find out next week when I go); work is over for the week; I've spent a grand total of £2.80 and I'm curled up at home watching craft supply hauls on YouTube as a substitute for doing craft shopping. Even if it is my birthday on Sunday.

    I've even input my spend into YNAB straight away *pats self on the head*. I know it's when I stop doing the little things like that that I spiral out of control so..yep. Oh and my pension forecast came through; it's going pleasingly well! I can't help but fantasise about what I can do with my money when I'm free of debt.

    So, I suppose I should get a bit more into the debt, shouldn't I? I currently owe £2550 on interest free for 25 months, being paid back at £100 p/m. I also owe my mother £6200 (this is a joint one between my husband and I). £200 of that is our agreed interest payment, as I don't want to feel like I'm taking advantage. This paid out the finance we took out for some home improvements (finance was taken out as they give a substantial discount for doing so, and the loan was pre-arranged with mother). I know it sounds silly but this is the one that I'm most likely to overpay. I want to get that money back to her ASAP and I know the credit card will take care of itself on direct debit. I figure as well that if I overpay as must as I can, if SHTF Mum will understand if I need to take a payment holiday and I won't feel bad for doing it. My DH and I pay £100 each a month to this one.

    The rest of the above number is the mortgage, which isn't unreasonable for a three bedroom house close to town with a huge garden. We're only hoping to have one child so we should never have to move.

    Goodness work has taken it's toll on me this week. I'm going to sign off here and have a snooze I think...can't spend money when I'm asleep!

    Tata
    DEBT: £3585.91/£76843
    Pay ALL your debt off by Xmas 2018 #033 £635.78/£2435.78
    EMERGENCY FUND: £1000/£1000
    Our greatest weakness lies in giving up; always try just one more time
    • MessyMare
    • By MessyMare 5th Aug 17, 8:20 PM
    • 966 Posts
    • 4,084 Thanks
    MessyMare
    • #3
    • 5th Aug 17, 8:20 PM
    • #3
    • 5th Aug 17, 8:20 PM
    Well, since that last burst of a lack of self control I've faced it and reshuffled my finances on YNAB to cover all of my indiscretions (lots of comfort shopping around my 30th birthday). Now I'm itching for my noddle report to come through so I can update my mortgage balance and see a little tiny bit of that big red number go away. We made our first scheduled repayment to the bank of Mum and I'm going to round the bit of extra cash I have up to a nice round hundred pounds and make an overpayment to her.

    I've worked an insane (for me) amount of overtime this month that's just been submitted. Even after my pension payment and student loan and ta etc come off it it should still be a fairly healthy sum. Payday is in 17 days and to be honest, it can't come fast enough. It never can, really.
    DEBT: £3585.91/£76843
    Pay ALL your debt off by Xmas 2018 #033 £635.78/£2435.78
    EMERGENCY FUND: £1000/£1000
    Our greatest weakness lies in giving up; always try just one more time
    • MessyMare
    • By MessyMare 10th Aug 17, 6:24 AM
    • 966 Posts
    • 4,084 Thanks
    MessyMare
    • #4
    • 10th Aug 17, 6:24 AM
    • #4
    • 10th Aug 17, 6:24 AM
    Well, all scheduled debt payments have gone out, leaving me at £76318.00. That's a tidy £425 to my debts for this month but it's feeling like a paltry amount. I overpaid mum by £100 but I have spent so much money this month. I really need to be realistic about this - I have spend hundreds on 'fun stuff' and I don't have the funds or the position to be doing it.

    I had done something very un-MSE to fund my diet and guilt trip myself into sticking to it so the faster I can get into the groove and get myself settled, the faster that will be done with. Also, the better I stick to my diet, the less money I fritter away on junk food and binge eating. Weigh in is tomorrow so I'm hoping for a good week to boost my flagging spirits.

    12 days until payday.
    DEBT: £3585.91/£76843
    Pay ALL your debt off by Xmas 2018 #033 £635.78/£2435.78
    EMERGENCY FUND: £1000/£1000
    Our greatest weakness lies in giving up; always try just one more time
    • Purplemumof2
    • By Purplemumof2 10th Aug 17, 6:38 AM
    • 6,003 Posts
    • 21,928 Thanks
    Purplemumof2
    • #5
    • 10th Aug 17, 6:38 AM
    • #5
    • 10th Aug 17, 6:38 AM
    Morning MessyMare,

    Welcome back.

    Happy new diary xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £6500.00 Cap 1: £437.20 BC: £6747.97
    AFD xxx LTW 3/16
    POAMAYC 2018 #041 PD £3790.84/£7000
    Savings for Christmas £131.00/£365
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • Doris17
    • By Doris17 10th Aug 17, 7:35 AM
    • 179 Posts
    • 589 Thanks
    Doris17
    • #6
    • 10th Aug 17, 7:35 AM
    • #6
    • 10th Aug 17, 7:35 AM
    Good luck MessyMare.x
    • MessyMare
    • By MessyMare 13th Aug 17, 11:52 AM
    • 966 Posts
    • 4,084 Thanks
    MessyMare
    • #7
    • 13th Aug 17, 11:52 AM
    • #7
    • 13th Aug 17, 11:52 AM
    Morning MessyMare,

    Welcome back.

    Happy new diary xx
    Originally posted by Purplemumof2
    Hi Purple Thank you - I've embarked on many diaries in the past but never managed to make it stick. Now I've sat down and looked at the actual number rather than just spitballing a rough figure my face did this

    Good luck MessyMare.x
    Originally posted by Doris17
    Thank you Doris

    So it's 9 days until payday and I have zero money. Well, I have enough for groceries for this week and my diet plan, and a couple of pots of savings for specifics like if my car explodes unexpectedly.

    I've noticed some payments that Mr Money Mustache labels as Bad Decisions. I've got one of those coming up - soon I'll end up with payments to two separate gyms for three months. I'd already started the six months notice period to quit my current place (crikey, six bloody months. How on earth do they get away with it?) but ended up signing up for the 24 hour gym opening up close to where I work and where I go shopping. Thankfully the opening date has been pushed back to end of August so I should have a bit of a grace period on the payments starting. I'll just have to go swim and go to classes at my original gym to make the most of it, while going to the gym gym at my new place. Why oh why do I do these things to myself? I've increased my gym budget to cover both payments from payday, even if the payment doesn't come out until after September payday.

    I've been reading Edinburgher's old diary for inspiration, alongside MMM. I'm still not sure whether to go MMM YOUR DEBT IS AN EMERGENCY NO LIFE UNTIL IT'S GONE or whether to go the Dave Ramsey route and get an emergency fund in place before smashing the debt. I suppose at least I have 9 days to think about it
    DEBT: £3585.91/£76843
    Pay ALL your debt off by Xmas 2018 #033 £635.78/£2435.78
    EMERGENCY FUND: £1000/£1000
    Our greatest weakness lies in giving up; always try just one more time
    • MessyMare
    • By MessyMare 2nd Sep 17, 12:52 PM
    • 966 Posts
    • 4,084 Thanks
    MessyMare
    • #8
    • 2nd Sep 17, 12:52 PM
    • #8
    • 2nd Sep 17, 12:52 PM
    So I decided to go with a healthy emergency fund rather than screaming-hair-on-fire-debt-attack.

    I've got £200/£1000 so far, and I'll be paying the minimum on the Virgin debt to help me get this funded faster. We've got our holiday in just over a week; our two days away is paid already so I just need to eek out my remaining holiday fund to cover the rest. I did splash out for the full breakfast while we're away, thinking that we'll fill up and smuggle some fruit out for snacks.

    Other plans for holiday include going to a photography exhibition at the coast at a National Trust property; paddleboarding lessons (this is probably the most extravagant one) and lots and lots of cycling.

    I got my student loan statement this morning...I paid a WHOLE TEN POUNDS off the capital LAST YEAR. Wow. I haven't included the loan in my debt figure as I haven't really decided how I'm going to deal with it. I know the debts I'm included are my priority; paying mum back is important to me and I don't want to take advantage of her generosity. The virgin debt is important for obvious reasons...it's on my credit report and it needs paying. And the mortgage is our ticket to freedom and an easier life. I love my work but I hate being forced to work; without the burden of the mortgage our house bills are so, so low. With that gone, if the worst were to happen with either of us, we would cope so easily. Even if both of us were out of work, we could manage.

    My mini plan for this week is to Spend No Money. Groceries are paid for and I have a full-ish tank of petrol so no spending required. Short term plan for next payday (20 days to go!) is to stash £250 to the emergency fund. The medium term plan (now-end of year) is to fully fund my emergency fund. The long-ish term plan (next 12 months) is to clear the amount of the Virgin debt.

    Seems sensibibble?
    DEBT: £3585.91/£76843
    Pay ALL your debt off by Xmas 2018 #033 £635.78/£2435.78
    EMERGENCY FUND: £1000/£1000
    Our greatest weakness lies in giving up; always try just one more time
    • MessyMare
    • By MessyMare 17th Sep 17, 1:15 PM
    • 966 Posts
    • 4,084 Thanks
    MessyMare
    • #9
    • 17th Sep 17, 1:15 PM
    • #9
    • 17th Sep 17, 1:15 PM
    Okay, our holiday is over and I've managed to scrape the numbers to put more to my emergency fund - it now stands at £350 (yay!) and I've shuffled my finances to pay more to the debt.

    5 days left to payday, and of my payday goal I only need to put another £150 in (I think this will overshoot my goal but it's doable and gets me to 50% funded ) to my emergency fund; another £200 will come of the bank of mum loan, another £125 off the mortgage capital...it's all ticking away remarkably well.

    I'm considering applying for Christmas temp work around the holidays; if I could get a job it would help to chunk down that loan from mum. My husband is wary of my plan, thinking I guess that I'll be exhausted (and probably able to do less housework) but my thoughts are that it's only temporary, and if it's really too much, I can leave without too much impact. I don't know...I have time to think at least.
    DEBT: £3585.91/£76843
    Pay ALL your debt off by Xmas 2018 #033 £635.78/£2435.78
    EMERGENCY FUND: £1000/£1000
    Our greatest weakness lies in giving up; always try just one more time
    • MessyMare
    • By MessyMare 26th Nov 17, 6:42 PM
    • 966 Posts
    • 4,084 Thanks
    MessyMare
    So things have been hard recently. I lost the closest thing to a functional, normal grandparent I ever had, and I found out I'm not going to be able to conceive naturally.

    So I did what I do best - spent like I was rich, didn't check my bank account and whacked a holiday on my credit card. Oh and I binge ate like there's no tomorrow.

    On the bright side, the emergency fund is sitting pretty at £700; I'm planning to have that fully funded by the end of January if not before. As I was going through my budget I was getting genuinely frightened that I wouldn't be able to make my commitments this month. I've just about scraped through, but I'm going to have to live like a hermit until payday (23 days to go...). I've already told Mr MM that I have no money to spare and we'll have to stick to free things to do together. I'm ill at the moment so nothing much is being spent at least.

    I tried to pre-empt some spending. So I'm always hankering for diet coke, and usually go to the village shop and spend however much alongside the coke. So I bought a 24 pack yesterday and have stashed it in our excessively cold conservatory. It's been bliss drinking it!

    I did say to myself that I'm going to put the spare money that would have gone to council tax to the emergency fund; however if I can fully fund before that point, I'm excited to put that money to my debt.

    I have to make 2018 my year. I can't stand the thought of it being as awful as every other year.
    DEBT: £3585.91/£76843
    Pay ALL your debt off by Xmas 2018 #033 £635.78/£2435.78
    EMERGENCY FUND: £1000/£1000
    Our greatest weakness lies in giving up; always try just one more time
    • DawnW
    • By DawnW 26th Nov 17, 7:18 PM
    • 4,956 Posts
    • 39,070 Thanks
    DawnW
    Couldn't read and run. Sorry for your loss, and the fertility issue That is a lot of grief to deal with.

    Please don't assume that you inevitably won't have children though. My younger DD is about to have her second (both IVF babies). She was lucky enough, 5 years ago, to get the first cycle (but not the second, which they paid for) on the NHS. Not sure if that is possible now, but worth finding out?

    Hope next year treats you more kindly xx
    NSDs for April: 9 / 15

    • MessyMare
    • By MessyMare 9th Dec 17, 2:09 PM
    • 966 Posts
    • 4,084 Thanks
    MessyMare
    Thank you Dawn - I think the year is only going to be as good as I make it. This year has been all over the place and I haven't done myself any favours not being consistent with myself.

    On the bright side, the emergency fund is almost there! I was going to use the free council tax months to top it off but at the moment it's looking like I won't need to. The Christmas shopping is done and within budget, so I'm not going to worry about putting any money aside from this month's paycheck. That can go to the emergency fund...and now I'm wondering if I can top the account out as soon as I get paid. I reckon I'm going to just go for it...one tight month and that will see me going into 2018 with a more confident head on my shoulders, ready to really attack the debt figure.

    I'm quite proud of the fact that today, after adding a few items I wanted in a 'screw it I deserve it' moment, I backed away from the website and saved myself £37. I'm glad of it too - I updated my YNAB and the money doesn't have many places to come from.

    I keep coming back to my emergency fund - there's £50 sat in my tattoo fund that I'm not going to be needing this side of the new year...it's so blasted tempting. I have 11 days left until payday...I might move it over as a treat next week.

    Onwards and downwards!
    DEBT: £3585.91/£76843
    Pay ALL your debt off by Xmas 2018 #033 £635.78/£2435.78
    EMERGENCY FUND: £1000/£1000
    Our greatest weakness lies in giving up; always try just one more time
    • MessyMare
    • By MessyMare 9th Dec 17, 6:39 PM
    • 966 Posts
    • 4,084 Thanks
    MessyMare
    YESSSSS just seen the electricity bill - the electric company owe me £118 and it should be back in my bank account by the end of next week...and the payment is going down by £15!

    So that'll be £100 to the emergency fund and £18 for a treat for us to celebrate bringing our electricity consumption down 12%

    Happy dance ahoy!
    DEBT: £3585.91/£76843
    Pay ALL your debt off by Xmas 2018 #033 £635.78/£2435.78
    EMERGENCY FUND: £1000/£1000
    Our greatest weakness lies in giving up; always try just one more time
    • MessyMare
    • By MessyMare 16th Dec 17, 2:39 PM
    • 966 Posts
    • 4,084 Thanks
    MessyMare
    I've updated my numbers this morning, and am feeling a little spring in my step about it. It's four days until payday - four days until my emergency fund reaches £1000, four days until I start hitting my debt harder.

    I've finally signed up for online banking to view my mortgage, and I'm a payment ahead of where I thought I was. So that's helped, though being smacked in the face with how much interest is going on a month is making me impatient to skip over my other debts and be getting on with that. Each month I knock off about 20p interest I think; and I've got about 21 months left on my current fixed rate. I'm hoping as we're in a pretty good place LTV wise that we'll still qualify for a decent fix when that one has finished.

    I got a bit spendy this week but I've shuffled around money on YNAB and I'm still ahead of my goals. One of my mid-term goals above was to have my emergency fund by the end of the year, and technically I will have beaten that goal by 11 days, woohoo! I've joined the pay off debt by x-mas 2018 challenge and am looking forward to getting my challenger number and sinking my teeth into this challenge. I'm also watching Frugaldom's Frugal 2018 challenge - I'm not brave enough to join in. I'm in awe of those challengers - I haven't got the energy/I'm too lazy right now. But I figure I can pick up some extra tips and save up some moolah.

    Next thing on my list is getting all of my survey sites to payout, and then jacking that in. I've been working on Y0uG0v for the best part of 7 years now on and off, and I'm fed up of pouring time into it. Same goes for Valued0pinions and 0nep0ll. If I can get all of those to payout that's £100 in my pocket, then no more time suck.
    DEBT: £3585.91/£76843
    Pay ALL your debt off by Xmas 2018 #033 £635.78/£2435.78
    EMERGENCY FUND: £1000/£1000
    Our greatest weakness lies in giving up; always try just one more time
    • MeenaM
    • By MeenaM 17th Dec 17, 6:48 PM
    • 243 Posts
    • 445 Thanks
    MeenaM
    Hi
    Well done on getting your emergency fund ! and good luck with 2018 debt free

    how much have you made on YouGov? i started that i am on 950 points how long does it usually take for a payout?
    Sealed Pot 11. #199Next£1170Barclays Credit Card £4891.20/1257.95- 0% ends April 2019 virgin 0% ends july 2020 £4138 3929.89AA Credit Card £860 0- 0% ends Dec 2017 Sainsburys Credit Card £521.27-0 0% ends Feb 2018 STARTED Nov 17AIM TO BE DEBT FREE JULY 2019Emergency Fund £614/£1000
    • louby40
    • By louby40 17th Dec 17, 7:23 PM
    • 1,334 Posts
    • 3,634 Thanks
    louby40
    Hi and well done on what you have achieved so far.

    I!!!8217;ve been doing YouGov for about 18 months now and have cashed out £100 in that time. It!!!8217;s one of my favourite surveys as it!!!8217;s quick and easy. The second £50 seemed to build up much quicker than the first.

    Opinium have just paid me £25 and I!!!8217;ve only been doing that one for about 4 months so that was quick. OnePoll is also good as you don!!!8217;t get kicked off and I!!!8217;ve just (today) got a £40 payout from them.

    Surveys are pretty dull but I reckon I!!!8217;ve made £500 since starting them in June 2016. It!!!8217;s easy money and I just sit and do them whilst I!!!8217;m watching TV.

    Louby
    Emergency fund £1001/£1000. Christmas savings £250/£600 Car maintenance £155/600
    Chip savings £163 TOTAL savings = £1731
    Kitchen July 2017 £12,493 APRIL £8493
    Barclaycard £673
    Car loan £1908 Mortgage £93392
    TOTAL DEBT (with mortgage) = £104,466 (without mortgage) = £11074
    • MessyMare
    • By MessyMare 24th Dec 17, 12:33 PM
    • 966 Posts
    • 4,084 Thanks
    MessyMare
    Hi
    Well done on getting your emergency fund ! and good luck with 2018 debt free

    how much have you made on YouGov? i started that i am on 950 points how long does it usually take for a payout?
    Originally posted by MeenaM
    Thank you I'm stuck on £37.75 at the moment...I'm only doing it in fits and starts though as I don't have a huge amount of free time at the computer. It's pretty much a Sunday morning gig for me

    Hi and well done on what you have achieved so far.

    Iíve been doing YouGov for about 18 months now and have cashed out £100 in that time. Itís one of my favourite surveys as itís quick and easy. The second £50 seemed to build up much quicker than the first.

    Opinium have just paid me £25 and Iíve only been doing that one for about 4 months so that was quick. OnePoll is also good as you donít get kicked off and Iíve just (today) got a £40 payout from them.

    Surveys are pretty dull but I reckon Iíve made £500 since starting them in June 2016. Itís easy money and I just sit and do them whilst Iím watching TV.

    Louby
    Originally posted by louby40
    Thank you I do them when hubby isn't around as we don't have a lot of time to spend together and I feel bad at sitting in front of my laptop. I get booted off 0nep0ll surveys all the time, it's getting painful trying to get to £40 but I swear I'm not giving up until payout!

    Hurrah for payday. I get so excited to do my budget. I've also almost run out of fun money, boo. I was going to order some craft stuff this morning but forced myself not to until I'd updated and reconciled my budget. I'm so glad I forced myself to wait as I don't have enough in the budget - buying it all then discovering that would have sent me into a guilt spiral and would have spent loads more money. I'm kind of proud of myself really, I'm not going to lie.

    I also told my husband about my credit card debt. He was hurt and disappointed that I hadn't told him before; I explained that I hadn't told him as I didn't want him to feel bad about not not being able to help. Everything is fine but now he knows I'm not going to be able to squeak past as many silly purchases.

    My grocery bill is super low this week as I got a gift voucher from work. We could have anything we wanted but I went super boring and went for a supermarket one to free up some money in the grocery budget whilst still being able to buy a few special bits without feeling guilty. I'm going to make a relatively small payment to my credit card and reassess in the new year to see how much I can squeeze out of the budget. The credit card payment will round down nicely though - always like a round number!

    I wish I knew how to keep up momentum between paydays. I get so impatient for the payments to go out, update my number, watch the red bar on my net worth report on YNAB to go down...then for about three weeks I don't get any of that and that's where I get lazy with spending. It's silly - I have so much I could be doing. SO many craft supplies (though we're redecorating what will become my craft room at the moment so it's mostly piled up in boxes waiting for the IKEA shelving unit to be bought and put together)

    On the bright side, my emergency fund has gone into a savings account with a relatively decent (though totally abysmal compared to what I grew up with) savings rate, so that will carry on growing, albeit slowly, until my card is paid off and I have a break from debt hammering to put some more cash in there. I feel like my safety net can never be big enough.

    Thank you to anyone and everyone reading - writing this is really helping me!
    DEBT: £3585.91/£76843
    Pay ALL your debt off by Xmas 2018 #033 £635.78/£2435.78
    EMERGENCY FUND: £1000/£1000
    Our greatest weakness lies in giving up; always try just one more time
    • MessyMare
    • By MessyMare 28th Dec 17, 8:30 PM
    • 966 Posts
    • 4,084 Thanks
    MessyMare
    So today I've made my sexy little debt rounding down payment on that card. £2400 to go, to clear before Christmas 2018, so a nice clean average of £200 a month on top of my other obligations. I already know I have an extra £216 coming to it from free council tax months, and from whatever else I can wizard up.

    It's a scary thought, how much cash I'm sinking into this debt. At least it's interest free I suppose, so I'm not giving them any more than I originally had. It's depressing and exciting in equal measure - depressing that I'm having to do it but exciting that I'm facing it and building a better future. A debt free future.

    I'm also avoiding buying craft supplies. I was adamant I wanted this mixed media kit that is coming out on January 1st, but you know what? £25, plus £4.95 postage, and I'm looking at the kit thinking...what would I actually do with these things? I've got no area set up at the moment, nowhere I can dip in and out of projects, and currently an entire spare room filled up with boxes of craft stuff (while the final room is decorated and prepped for craft room/office goodness). That's £30 that could go to the desk and shelving unit I've been lusting after for the best part of a year.

    Well, back to work tomorrow....time to leave the purse at home I think!
    DEBT: £3585.91/£76843
    Pay ALL your debt off by Xmas 2018 #033 £635.78/£2435.78
    EMERGENCY FUND: £1000/£1000
    Our greatest weakness lies in giving up; always try just one more time
    • MessyMare
    • By MessyMare 30th Dec 17, 12:13 PM
    • 966 Posts
    • 4,084 Thanks
    MessyMare
    Well, I set my shopping limit to £52.90 (the amount left in my budget for December) and set my target at £32.90, so I could put £20 to my credit card. I made a careful meal plan, wrote my shopping list (and only forgot to put one thing on there! I'm quite chuffed), got some frozen meat out so I can cook it this afternoon to prepare for this week's meals, and ended up spending £26.19. I'm so pleased!

    I was going to save it all up and make a larger payment towards mid January but I think I'll make the payment now, before I fritter it away.
    DEBT: £3585.91/£76843
    Pay ALL your debt off by Xmas 2018 #033 £635.78/£2435.78
    EMERGENCY FUND: £1000/£1000
    Our greatest weakness lies in giving up; always try just one more time
    • MessyMare
    • By MessyMare 7th Jan 18, 10:40 AM
    • 966 Posts
    • 4,084 Thanks
    MessyMare
    Hurrah, after some careful food shopping and a determination to eat down the freezer, I've put another £75 to the credit card. Scheduled payments have gone off the debt to Mum and the mortgage so my debt payoff is now at £2435.67 paid out of £76843.

    I know most people on this board don't include their mortgage but to me, it's helping me to look at the picture as a whole and remind me of why I'm doing it. It also reminds me that I'm not alone in this - DH pays 425 a month to it as the mortgage is obviously a joint debt and the loan from my Mum is joint too.

    I'm looking forward to payday (15 days) but I'm also looking forward to the next grocery shop to see what I can skim off that budget too. I accidentally bought a friend something that she already has for Christmas and she hasn't come back to me to say what she'd like instead; must follow that up with her.

    Silly dog is limping. God knows what he's done - no pain that I can find so nothing broken, I'm wondering if he's trapped a nerve maybe?

    Also miffed at a company - on 20th December I ordered and paid for something (with P@yp@l thankfully); got an order confirmation from them, but nothing since. No replies to emails, nothing, nada. I opened a case with P@yp@al yesterday; lo and behold my order got cancelled with no reason. No mention of refund either? I'm quite cross about it as I hate not knowing what's going on! Well, hopefully I'll get a response on Monday.
    DEBT: £3585.91/£76843
    Pay ALL your debt off by Xmas 2018 #033 £635.78/£2435.78
    EMERGENCY FUND: £1000/£1000
    Our greatest weakness lies in giving up; always try just one more time
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