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  • FIRST POST
    • Dorastar
    • By Dorastar 2nd Aug 17, 6:03 PM
    • 1,887Posts
    • 15,720Thanks
    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 14
    • Dorastar
    • By Dorastar 9th Sep 18, 9:56 AM
    • 1,887 Posts
    • 15,720 Thanks
    Dorastar
    Great day yesterday, lots of very loud singing in the car - 2 hours each way so you can imagine how many tunes I got through! Then a lovely day with friends and came home with 3 new books - 2 for the teen's A level course and one for me that I've been after for a while. Also won a kettle in the raffle, odd prize but it will come in handy if ours dies! Minimal spend day too as I took food with me and there was a free drink on arrival, a buffet and I'd taken snacks for the journey home too.
    Have written a few post-it notes on the lap-top of things I want/need to get done today so plan to blast my way through them once I've actually got dressed! Food shop is in there but I did pop into supermarket my way home last night and ended up with quite a lot of reduced meat so that's got to be figured into the week's menu plan first.
    Mr T 13199.04 Bank 3149.44 Mortgage 160,000
    Emergency Fund 2538 Blanket squares 33/60
    • Dorastar
    • By Dorastar 10th Sep 18, 3:34 PM
    • 1,887 Posts
    • 15,720 Thanks
    Dorastar
    Eurgh, up half the night feeling sick and with my heart pounding in my chest which was a bit scary! Completely washed out this morning so phoned agency to cancel any possible work today and went back to bed. NSD since I've just stayed indoors feeling sorry for myself. Hoping to get supply tomorrow and if not am going to look into selling off a few bits and bobs to try to boost funds a bit.
    Mr T 13199.04 Bank 3149.44 Mortgage 160,000
    Emergency Fund 2538 Blanket squares 33/60
    • Purplemumof2
    • By Purplemumof2 10th Sep 18, 4:14 PM
    • 6,427 Posts
    • 23,896 Thanks
    Purplemumof2
    Hope you feel better soon Dora xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 5960.00 BC: 349.99 Cap One: GONE Lloyds: 10,300.00
    OD 0/500 LC 0/1500 Washer 0/309.99
    POAMAYC 2018 #041 PD 7219.86/7000
    Savings for Christmas 314.24/400
    20p Savers 2018 2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • beanielou
    • By beanielou 10th Sep 18, 8:11 PM
    • 56,767 Posts
    • 230,867 Thanks
    beanielou
    Hope you are on the mend 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 10th Sep 18, 8:47 PM
    • 1,887 Posts
    • 15,720 Thanks
    Dorastar
    Think a day of loafing on the sofa has helped a lot tbh. Have managed to get everything ready for the morning too so if I get a call tomorrow I can just dash out all ready with lunch in my hand!
    Mr T 13199.04 Bank 3149.44 Mortgage 160,000
    Emergency Fund 2538 Blanket squares 33/60
    • beanielou
    • By beanielou 10th Sep 18, 8:49 PM
    • 56,767 Posts
    • 230,867 Thanks
    beanielou
    Think a day of loafing on the sofa has helped a lot tbh. Have managed to get everything ready for the morning too so if I get a call tomorrow I can just dash out all ready with lunch in my hand!
    Originally posted by Dorastar
    That's good
    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
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 10th Sep 18, 9:52 PM
    • 4,828 Posts
    • 34,144 Thanks
    HairyHandofDartmoor
    I hope you feel better tomorrow Dora and some supply work turns up. I know how awful it is when money doesn't come in regularly.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = 58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    "Tough times never last, but tough people do" - Robert H Schuller
    • Dorastar
    • By Dorastar 11th Sep 18, 11:26 AM
    • 1,887 Posts
    • 15,720 Thanks
    Dorastar
    Might be a TA role coming up for a few weeks - anything to bring the cash in while I'm still looking for other roles. Am really bad at being at home all the time so if they offer it me I'll snap it up! Sat and worked out finances in detail last night and if I brought in no money at all we'd have enough to pay our bills and eat till the end of October but realistically the sooner I can bring some money in the better. Frugal is good too and have been re-reading lots of older threads to remind me of ways to keep costs down, just need to be a little more focused.
    Mr T 13199.04 Bank 3149.44 Mortgage 160,000
    Emergency Fund 2538 Blanket squares 33/60
    • beanielou
    • By beanielou 11th Sep 18, 11:44 AM
    • 56,767 Posts
    • 230,867 Thanks
    beanielou
    Here's hoping
    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
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 11th Sep 18, 12:14 PM
    • 4,828 Posts
    • 34,144 Thanks
    HairyHandofDartmoor
    I hope the TA thing works out, or even better a teaching job as the pay is better.

    It's hard to stay positive sometimes, but positive confident people always get the best things in life. Keep telling yourself how good you are and dwell on your skills and talents, and then I'm sure you are more likely to get the job you want after that.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = 58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    "Tough times never last, but tough people do" - Robert H Schuller
    • Dorastar
    • By Dorastar 12th Sep 18, 4:36 PM
    • 1,887 Posts
    • 15,720 Thanks
    Dorastar
    woop half a day's work tomorrow - that should keep us in food for exactly erm half a day! Phoned a couple more agencies today, sent in a couple of CVs and started an application form. Nearly up to 20 on PA so I can transfer that as soon as it's got to the magic amount. Minimal spend on some reduced food in supermarket today and bleach for a particularly nasty cleaning job too. Literally having all the fun here today
    Mr T 13199.04 Bank 3149.44 Mortgage 160,000
    Emergency Fund 2538 Blanket squares 33/60
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 12th Sep 18, 5:43 PM
    • 4,828 Posts
    • 34,144 Thanks
    HairyHandofDartmoor
    Good news about the half a days work. Keep going with the applications and you'll get something eventually.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = 58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    "Tough times never last, but tough people do" - Robert H Schuller
    • Dorastar
    • By Dorastar 12th Sep 18, 5:56 PM
    • 1,887 Posts
    • 15,720 Thanks
    Dorastar
    Thank you, so soul destroying doing the same info over and over again but also found out I had a very lucky escape from one job that didn't happen last year, school inspection put it straight into Special Measures and all SLT 'left', I could have been on that SLT
    Mr T 13199.04 Bank 3149.44 Mortgage 160,000
    Emergency Fund 2538 Blanket squares 33/60
    • beanielou
    • By beanielou 12th Sep 18, 7:54 PM
    • 56,767 Posts
    • 230,867 Thanks
    beanielou
    Good news on the work
    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 13th Sep 18, 10:31 AM
    • 1,887 Posts
    • 15,720 Thanks
    Dorastar
    Aargh boiler has died overnight so just had a very cold shower! Have a local bloke who services it so he's coming out tomorrow morning. Have spent this morning making sure that he can get to the boiler in the depths of the garage and that he can also get to every radiator without having to shift a great pile of stuff. NSD today as we have plenty of food in and then off to work (love saying that!)
    Mr T 13199.04 Bank 3149.44 Mortgage 160,000
    Emergency Fund 2538 Blanket squares 33/60
    • beanielou
    • By beanielou 13th Sep 18, 11:25 AM
    • 56,767 Posts
    • 230,867 Thanks
    beanielou
    Boo to the boiler
    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
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 13th Sep 18, 12:47 PM
    • 4,828 Posts
    • 34,144 Thanks
    HairyHandofDartmoor
    I hope the boiler is fixable. Have a good day at work.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = 58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    "Tough times never last, but tough people do" - Robert H Schuller
    • Dorastar
    • By Dorastar 13th Sep 18, 9:50 PM
    • 1,887 Posts
    • 15,720 Thanks
    Dorastar
    Boiler bloke cleaned out a few teeny parts checked out the whole system and all sorted for 20, just some muck in the system clogging it up, big relief. Now job applications to get done.
    Mr T 13199.04 Bank 3149.44 Mortgage 160,000
    Emergency Fund 2538 Blanket squares 33/60
    • Dorastar
    • By Dorastar 14th Sep 18, 9:09 AM
    • 1,887 Posts
    • 15,720 Thanks
    Dorastar
    No news on the TA role but lined up interviews at two other agencies to try and get more work. More jobs coming out now so lots of applications to get done, which means a NSD as I sit at the laptop. Did splash out yesterday as Asda had a sale so 3 new tops for the boy for 1.50 and more containers so I can batch cook a few meals ready for the week ahead. Not spent much on food this week as we've been eating up lots of stuff we had in but want to keep an eye on the food spending to keep it as low as possible for the next few months.
    Mr T 13199.04 Bank 3149.44 Mortgage 160,000
    Emergency Fund 2538 Blanket squares 33/60
    • Dorastar
    • By Dorastar 15th Sep 18, 8:11 PM
    • 1,887 Posts
    • 15,720 Thanks
    Dorastar
    Opticians 10 and 20 for new specs since I accidentally destroyed the last pair and my prescription has changed again. 5.50 to top up on food until I do a food shop but realised the boy is away half the week so that will cut down how much we spend!
    Applied for one job yesterday and two more to do this week. Already got plans for the week ahead if I'm not working to declutter & decorate different rooms and get started on cutting everything back in the garden. Am fed up with loafing around feeling sorry for myself too much so if I can get some useful stuff done I won't feel quite as bad about not bringing any money in. The paint has all been in the garage for ages so should be good to go without extra costs and going to borrow a weed burner from the in-laws as the front drive has more grass on it than the actual lawn!
    Am 87p off a 20 payout on PA but got three surveys done that just aren't agreed yet. As soon as it's in it's getting cashed out and put aside.
    Last edited by Dorastar; 15-09-2018 at 8:14 PM.
    Mr T 13199.04 Bank 3149.44 Mortgage 160,000
    Emergency Fund 2538 Blanket squares 33/60
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