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
    • Dorastar
    • By Dorastar 2nd Aug 17, 6:03 PM
    • 1,894Posts
    • 15,743Thanks
    Dorastar
    Starting over 2017
    • #1
    • 2nd Aug 17, 6:03 PM
    Starting over 2017 2nd Aug 17 at 6:03 PM
    Just as the title suggests really, starting over after the ugliest of years ever. Family illness, my own illness and now losing my job means it's time to start over.
    Need to do my SoA so that's the plan over the next few days and then tackle everything head on, interest only mortgage, negative equity, credit card, bank loan, Tesco loan and get a new job/career. It ain't gonna be pretty but we will get there. Wish us luck
Page 11
    • Dorastar
    • By Dorastar 7th Feb 18, 7:10 PM
    • 1,894 Posts
    • 15,743 Thanks
    Dorastar
    Tired.com but still not spending much, so able to stash away a fair amount at the moment.
    Mr T 13199.04 Bank 3149.44 Mortgage 160,000
    Emergency Fund 2538 Blanket squares 33/60
    • beanielou
    • By beanielou 7th Feb 18, 7:37 PM
    • 56,818 Posts
    • 231,326 Thanks
    beanielou
    Tired.com but still not spending much, so able to stash away a fair amount at the moment.
    Originally posted by Dorastar
    Sorry that you are tired but good news on the stashing away a fair bit
    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. MFW 2018. No 144
    • Dorastar
    • By Dorastar 7th Feb 18, 9:14 PM
    • 1,894 Posts
    • 15,743 Thanks
    Dorastar
    All good, just tired, early mornings are not me after so many months out of work!
    Mr T 13199.04 Bank 3149.44 Mortgage 160,000
    Emergency Fund 2538 Blanket squares 33/60
    • Dorastar
    • By Dorastar 9th Feb 18, 6:49 PM
    • 1,894 Posts
    • 15,743 Thanks
    Dorastar
    Busy day on supply again, year 6 in the morning, year 2 in the afternoon. Pretty lazy weekend ahead with just some side hustle work to get done. Car going in for MOT on Monday so got to get one new tyre tomorrow or it will fail.
    Mr T 13199.04 Bank 3149.44 Mortgage 160,000
    Emergency Fund 2538 Blanket squares 33/60
    • Dorastar
    • By Dorastar 12th Feb 18, 8:18 PM
    • 1,894 Posts
    • 15,743 Thanks
    Dorastar
    Half term for my kids but other areas are still in so I am doing 4 days supply. Plan is to stash this money as I won't get any real holiday pay when all schools are closed. Car MOT & brake linings not as costly as I had thought so that's a relief too.
    Mr T 13199.04 Bank 3149.44 Mortgage 160,000
    Emergency Fund 2538 Blanket squares 33/60
    • beanielou
    • By beanielou 12th Feb 18, 9:32 PM
    • 56,818 Posts
    • 231,326 Thanks
    beanielou
    Good news on the supply & the car not being as expensive as you thought.
    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. MFW 2018. No 144
    • Dorastar
    • By Dorastar 17th Feb 18, 1:09 PM
    • 1,894 Posts
    • 15,743 Thanks
    Dorastar
    Busy week and loved teaching all week but tired out by the end of each day. Sensibly treated myself to some early nights and some walks/runs once I got home that helped refresh me a bit for the evenings. Hubby is on stupid shifts this week as they are very short staffed so plan for the weekend is just to make sure the house is tidy and everyone gets fed. Oven is fixed after three weeks without it so we are definitely going to be having a roast tomorrow! One of the loans have confirmed a 6 month 1 payment and mortgage payment has reduced while we're on holiday from it. Am going to sit down and try to get some calculations done to give us a target figure to save for whilst I am still getting plenty of work and to work out our future finances. Not going to be easy but everything that's coming in has got to help in the long run. Next week is definitely working two days, side hustle job two evenings and an interview one morning. Hoping the rest of the week will fill up with work too.
    Mr T 13199.04 Bank 3149.44 Mortgage 160,000
    Emergency Fund 2538 Blanket squares 33/60
    • Dorastar
    • By Dorastar 19th Feb 18, 5:31 PM
    • 1,894 Posts
    • 15,743 Thanks
    Dorastar
    2 spend today on more paper, can't get enough of the stuff for all my side hustle work at the moment. Rest of the day was catching up with housework and side hustle work so a nice easy and cheap one.
    Mr T 13199.04 Bank 3149.44 Mortgage 160,000
    Emergency Fund 2538 Blanket squares 33/60
    • Dorastar
    • By Dorastar 22nd Feb 18, 3:34 PM
    • 1,894 Posts
    • 15,743 Thanks
    Dorastar
    Nice little short term full time job starting soon after interview the other day. Scary going back into the word of work full time so got a week to try and get my head round it and get organised. Should definitely help on the money front although it's really going to confuse the taxman again!
    Mr T 13199.04 Bank 3149.44 Mortgage 160,000
    Emergency Fund 2538 Blanket squares 33/60
    • beanielou
    • By beanielou 22nd Feb 18, 4:16 PM
    • 56,818 Posts
    • 231,326 Thanks
    beanielou
    Good news on the job
    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. MFW 2018. No 144
    • Dorastar
    • By Dorastar 24th Feb 18, 1:17 PM
    • 1,894 Posts
    • 15,743 Thanks
    Dorastar
    Busy day for a Saturday, Parkrun, food shop, trampolining (not me - the boy & his friends), pizza tea & sleepover! Tomorrow is recovery day and re-do finances with the new wage factored in.
    Mr T 13199.04 Bank 3149.44 Mortgage 160,000
    Emergency Fund 2538 Blanket squares 33/60
    • Dorastar
    • By Dorastar 9th Mar 18, 7:23 PM
    • 1,894 Posts
    • 15,743 Thanks
    Dorastar
    Been working full time all week and for the foreseeable future on a long term contract. Busy busy week as the side hustle job had two meetings too. At least it's bringing the money in and I should get paid holidays now too for a while. Need to spend some time working out the finances and updating all the numbers as there's been a change in most of them now and while I have full time work we're still trying to stash away as much as we can.
    Mr T 13199.04 Bank 3149.44 Mortgage 160,000
    Emergency Fund 2538 Blanket squares 33/60
    • Dorastar
    • By Dorastar 30th Mar 18, 6:31 PM
    • 1,894 Posts
    • 15,743 Thanks
    Dorastar
    Very busy being busy and time to relook at finances over the Easter period. Still on top of things atm but waiting to see how much new job brings in each month. Likely to be close as to whether we can carry on paying things off or not. Plan is to wait until we have a better idea of income before tackling the debt. In the meantime we are carrying on stashing any extra away in the hope that this will cushion the blow between where we are and where we need to be until we can rejig the finances. Feel stressed about it today but hopefully there'll be good news soon to offset the stress.
    Mr T 13199.04 Bank 3149.44 Mortgage 160,000
    Emergency Fund 2538 Blanket squares 33/60
    • Dorastar
    • By Dorastar 31st Mar 18, 11:44 AM
    • 1,894 Posts
    • 15,743 Thanks
    Dorastar
    Shuffled another 500 over to Emergency fund as hubby has done a lot of overtime this month. All electronic so it can be shuffled back instantly if we need for bill paying.
    Today is a NSD apart from an egg for hubby as everyone/thing else is sorted already. Got to resist the temptation to splurge on other things especially when we have a freezer and cupboards full of food. Washing powder needed as is loo paper probably because we always need that!
    Plan is to do housework today so we can have a lazy one tomorrow apart from in-laws popping round for tea. NSD tomorrow then too.
    Mr T 13199.04 Bank 3149.44 Mortgage 160,000
    Emergency Fund 2538 Blanket squares 33/60
    • Dorastar
    • By Dorastar 1st Apr 18, 11:38 AM
    • 1,894 Posts
    • 15,743 Thanks
    Dorastar
    Happy Easter to everyone on here. NSD with family today. Plan is to tidy, clean up a bit, eat well then probably play some silly board games.
    Mr T 13199.04 Bank 3149.44 Mortgage 160,000
    Emergency Fund 2538 Blanket squares 33/60
    • Dorastar
    • By Dorastar 9th Apr 18, 9:49 PM
    • 1,894 Posts
    • 15,743 Thanks
    Dorastar
    Haven't posted on here for a while but job is going ok so now sitting here on hols for a couple of weeks. Still stashing away as much as we can and paying down the debts slowly. Need to make sure we have enough cash around in case I end up out of work in the future so we are still trying to be frugal and still bringing in extra from our side hustles and overtime.
    Still trying to declutter and there's a car boot coming up soon so hoping to get rid of some stuff there, the rest can go to charity.
    Mr T 13199.04 Bank 3149.44 Mortgage 160,000
    Emergency Fund 2538 Blanket squares 33/60
    • beanielou
    • By beanielou 9th Apr 18, 9:53 PM
    • 56,818 Posts
    • 231,326 Thanks
    beanielou
    Glad job is going well.
    Keep going!
    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. MFW 2018. No 144
    • Dorastar
    • By Dorastar 30th May 18, 2:57 PM
    • 1,894 Posts
    • 15,743 Thanks
    Dorastar
    Plodding onwards, just had a shock looking at latest wage slip for this month as the tax man has reverted to taking whatever he wants instead of sticking to a code. Hopefully the council can get something sorted or it's a month of beans on toast till we get through!
    Mr T 13199.04 Bank 3149.44 Mortgage 160,000
    Emergency Fund 2538 Blanket squares 33/60
    • Dorastar
    • By Dorastar 7th Jul 18, 8:44 PM
    • 1,894 Posts
    • 15,743 Thanks
    Dorastar
    Been slacking off here for too long and need to refocus (again). Have just looked at finances and we have managed to slash 5.3k off our debts in the past year and saved up some money as well (not sure how much because it's in the credit union where we can't get at it easily!) Proud of all of us for how much we've managed to change things even in such a relatively short space of time. Job security has just been pulled from under us again so it is back to the frugal ways to try to keep spending as low as possible and stash away any money I do get for the next month or so. A bit down but most definitely not out!
    Last edited by Dorastar; 07-07-2018 at 8:46 PM.
    Mr T 13199.04 Bank 3149.44 Mortgage 160,000
    Emergency Fund 2538 Blanket squares 33/60
    • beanielou
    • By beanielou 7th Jul 18, 9:11 PM
    • 56,818 Posts
    • 231,326 Thanks
    beanielou
    Keep plodding
    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. MFW 2018. No 144
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

1,084Posts Today

7,095Users online

Martin's Twitter