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  • FIRST POST
    • Dorastar
    • By Dorastar 2nd Aug 17, 6:03 PM
    • 1,935Posts
    • 15,884Thanks
    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 13
    • Dorastar
    • By Dorastar 4th Aug 18, 2:40 PM
    • 1,935 Posts
    • 15,884 Thanks
    Dorastar
    Hot and thirsty work today still gutting the boy's room, 3 bags of clothes sorted, toys and books still to go but it's such a small room it gets very hot very quickly. No idea how he's got so much stuff, but a lot of it is from friends and relatives so I don't feel quite as bad about it. Remembered we had a small chest of drawers in the garage so have swapped it with a larger one he had so now at least he has a tiny bit more room in there. Moneywise I haven't been anywhere or done anything but going to have to do a food shop later today as there's barely anything fresh in now.
    Mr T 13002.10 Bank 2867.92 Mortgage 160,000
    Emergency Fund 2650.73 Blanket squares 33/60
    • Dorastar
    • By Dorastar 9th Aug 18, 9:16 AM
    • 1,935 Posts
    • 15,884 Thanks
    Dorastar
    Felt like we were doing ok but seem to have been bobbing to the shops quite a bit, without realising it so looking less rosy than I thought. Going away on Saturday but self catering so going to try and keep the costs down with plenty of packed lunches and taking stuff from the cupboards. Worked yesterday on a side hustle job so that's a bit more money coming in fairly soon, possibly tomorrow if the firm I worked for get their act together and hubby is doing overtime tomorrow and Saturday before we head off. Going to hunt out some free or cheaper trips out using vouchers for when we're away but the most important part is time away to be lazy!
    Mr T 13002.10 Bank 2867.92 Mortgage 160,000
    Emergency Fund 2650.73 Blanket squares 33/60
    • beanielou
    • By beanielou 9th Aug 18, 3:30 PM
    • 57,414 Posts
    • 235,018 Thanks
    beanielou
    Enjoy your break Dora
    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 19th Aug 18, 3:13 PM
    • 1,935 Posts
    • 15,884 Thanks
    Dorastar
    Lovely relaxing holiday, didn't do that much but everyone relaxed after a busy few months. Seem to have overspent quite a bit but mainly on eating which is weird because we took loads with us. Both kids are going through food like nobody's business so blaming them. Back to dull old housework and sorting stuff out for the return to school for both kids so shouldn't be much expenditure apart from uniform for the boy which is budgeted. End of August pay days for me and hubby so it seems like a ridiculously long month. 20.01 cashed out from surveys over the hols so that's going in the emergency fund too.
    Last edited by Dorastar; 19-08-2018 at 3:17 PM.
    Mr T 13002.10 Bank 2867.92 Mortgage 160,000
    Emergency Fund 2650.73 Blanket squares 33/60
    • Dorastar
    • By Dorastar 22nd Aug 18, 8:45 PM
    • 1,935 Posts
    • 15,884 Thanks
    Dorastar
    School uniform bought today apart from shoes & getting paid on Friday for some training I lead recently so thats paid it back. Still sticking to the menu plan and trying not to spend much as both pay days are next week.
    Mr T 13002.10 Bank 2867.92 Mortgage 160,000
    Emergency Fund 2650.73 Blanket squares 33/60
    • Dorastar
    • By Dorastar 26th Aug 18, 4:33 PM
    • 1,935 Posts
    • 15,884 Thanks
    Dorastar
    Feeling really angsty about not having a job to go back to in September especially as a lot of my friends are teachers so getting their rooms ready. We have enough money to see us through the bills in September and October but then we run out of funds unless I'm earning a fairly decent amount. Still not spending much but some big birthdays coming up in September too so that's hard to manage and keep as much saved as possible.
    Mr T 13002.10 Bank 2867.92 Mortgage 160,000
    Emergency Fund 2650.73 Blanket squares 33/60
    • beanielou
    • By beanielou 26th Aug 18, 4:43 PM
    • 57,414 Posts
    • 235,018 Thanks
    beanielou
    I think I have missed why you dont have a job to go back Dora?
    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 26th Aug 18, 4:50 PM
    • 1,935 Posts
    • 15,884 Thanks
    Dorastar
    Was a maternity cover and the teacher is coming back early. Going back on supply unless/until something more permanent turns up but not much out there at the moment.
    Mr T 13002.10 Bank 2867.92 Mortgage 160,000
    Emergency Fund 2650.73 Blanket squares 33/60
    • beanielou
    • By beanielou 26th Aug 18, 4:58 PM
    • 57,414 Posts
    • 235,018 Thanks
    beanielou
    Was a maternity cover and the teacher is coming back early. Going back on supply unless/until something more permanent turns up but not much out there at the moment.
    Originally posted by Dorastar
    They must be mad!
    Hope you get something soon.
    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 26th Aug 18, 5:13 PM
    • 1,935 Posts
    • 15,884 Thanks
    Dorastar
    Thanks, her other half lost his job so she needs to be back earning. Just feels very weird and a bit scary right now. Trying to be positive but my inner Eeyore is loud today!
    Mr T 13002.10 Bank 2867.92 Mortgage 160,000
    Emergency Fund 2650.73 Blanket squares 33/60
    • Dorastar
    • By Dorastar 28th Aug 18, 12:34 PM
    • 1,935 Posts
    • 15,884 Thanks
    Dorastar
    Swings and roundabouts day today, the boy's bed collapsed as one of the side pieces snapped in half & can't be repaired so new bed on order 66 spent. Took a gift card from work into Next to see how much is on it, expecting 10 or 20 tops, to find there's 60 on it. So reckon I'm just 6 down today. Menu plan from last week worked well and we've still got plenty in the freezer to use up this week. Going to get the teen to bake a few treats to boost the food we have got & see how far we can go without spending anything this week!
    Edited: Just got a 5 voucher back in an email and 75p on a survey so just got 25p to find now and I've broken even today
    Last edited by Dorastar; 28-08-2018 at 1:47 PM.
    Mr T 13002.10 Bank 2867.92 Mortgage 160,000
    Emergency Fund 2650.73 Blanket squares 33/60
    • Dorastar
    • By Dorastar 28th Aug 18, 4:00 PM
    • 1,935 Posts
    • 15,884 Thanks
    Dorastar
    Thought we were doing ok, then hubby comes home and has spent 32 on online gaming stuff we don't need - aaargh. I am sat here reading cookery books from library to try to cut down on spending whilst he is just spending on nothing. Am so flipping cross now.
    Mr T 13002.10 Bank 2867.92 Mortgage 160,000
    Emergency Fund 2650.73 Blanket squares 33/60
    • Dorastar
    • By Dorastar 28th Aug 18, 8:42 PM
    • 1,935 Posts
    • 15,884 Thanks
    Dorastar
    Calmed down a little bit and did a 40p survey, so personally I am 15p up today (am ignoring DH's stupid spends)
    Mr T 13002.10 Bank 2867.92 Mortgage 160,000
    Emergency Fund 2650.73 Blanket squares 33/60
    • Dorastar
    • By Dorastar 31st Aug 18, 5:01 PM
    • 1,935 Posts
    • 15,884 Thanks
    Dorastar
    Pootling on with a few surveys done and minimal spending. Pay day for both of us so it feels like we're flush but we do need to hang on to as much as we can this month to help us into next month if I don't get any supply work.
    Mr T 13002.10 Bank 2867.92 Mortgage 160,000
    Emergency Fund 2650.73 Blanket squares 33/60
    • Dorastar
    • By Dorastar 4th Sep 18, 8:01 PM
    • 1,935 Posts
    • 15,884 Thanks
    Dorastar
    Busy few days and a fair bit of spending too. Money put on parentpay for the boy starting school, school shoes bought and bus pass for the term bought too. Felt bad handing over 85.50 for the term but works out a 56 saving on paying in cash and he's been wanted if he loses it he's paying the 15 to replace it!
    Decluttering the house is going well, another PPI claim has gone in and have a list of decorating to do if no supply work turns up. Job interview has also come up on Friday so lots of prep to do for that, which means no time to spend (which can only be good)
    Mr T 13002.10 Bank 2867.92 Mortgage 160,000
    Emergency Fund 2650.73 Blanket squares 33/60
    • Dorastar
    • By Dorastar 6th Sep 18, 4:12 PM
    • 1,935 Posts
    • 15,884 Thanks
    Dorastar
    Cashed up the loose pot of money we fling stuff into and 54 ready to go into credit union tomorrow morning after the job interview! Made some new spending resolutions to keep me going till the end of the year

    1) Menu plan and food shop regularly - and try new recipes from the cookbooks we already have because we're all a bit bored
    2) No spending on clothes for any of us unless absolute essentials - and use up any vouchers first.
    3) Use up the vast amount of odd toiletries we have stashed in the bathroom (mostly from school tombolas)
    4) DO NOT BUY ANY MORE BOOKS
    5) Sell some books - did have an Amazon seller account but not shifted much recently so look elsewhere for where to flog them.
    6) Exercise - seriously need to do this, and make use of free exercise using Youtube, weights (I already have some gathering dust), running, walking and riding bike.

    Can't put extra towards the debts atm while I am still job hunting but can make sure we keep as much in our pockets as we can in the meantime.
    Mr T 13002.10 Bank 2867.92 Mortgage 160,000
    Emergency Fund 2650.73 Blanket squares 33/60
    • libster08
    • By libster08 6th Sep 18, 9:53 PM
    • 12 Posts
    • 25 Thanks
    libster08
    just finished reading your diary, really enjoyed it, you are doing so well with your moneysaving.

    good luck for the interview tomorrow
    SAVE 25000 IN 2018 4600/25000 NO. 118


    1P SAVINGS CHALLENGE 186.78/667.95 NO. 27
    • GlendaSugarbean
    • By GlendaSugarbean 7th Sep 18, 7:39 AM
    • 209 Posts
    • 1,395 Thanks
    GlendaSugarbean
    Good luck for the interview
    • Dorastar
    • By Dorastar 7th Sep 18, 9:18 PM
    • 1,935 Posts
    • 15,884 Thanks
    Dorastar
    Didn't get it but a close thing with someone more experienced getting it in the end. Never mind, off to see far flung friends tomorrow so can luck my wounds on the way there and sing loudly in the car to get over it.
    Mr T 13002.10 Bank 2867.92 Mortgage 160,000
    Emergency Fund 2650.73 Blanket squares 33/60
    • Dorastar
    • By Dorastar 8th Sep 18, 7:19 AM
    • 1,935 Posts
    • 15,884 Thanks
    Dorastar
    Up early, downstairs tidied, washing on and just getting on with it today till I go & see friends. No point dwelling on things, just got to keep everything reigned in and carry on the job hunt. Phoned supply agency yesterday stressing that I am free all week so anything that comes in is good and started a list of things iust do tomorrow, including sorting all that household paperwork.
    Mr T 13002.10 Bank 2867.92 Mortgage 160,000
    Emergency Fund 2650.73 Blanket squares 33/60
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