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  • FIRST POST
    • CoffeeCakeYarn
    • By CoffeeCakeYarn 22nd Dec 17, 3:48 PM
    • 208Posts
    • 688Thanks
    CoffeeCakeYarn
    Coffee, Cake, Yarn - New Start
    • #1
    • 22nd Dec 17, 3:48 PM
    Coffee, Cake, Yarn - New Start 22nd Dec 17 at 3:48 PM
    I've decided to edit this after a mess up of the figures. To cut a long story short I've been here before, paid off a lot, lived happily ever after, split with the ex, fell ill, and got myself in a pickle again. So here I am, new username, new diary, new dreams. Upfront warning, I over post

    I'm a thirty something (cough) single-ish-ton who is determined that I won't hit 35 in debt. I will hit 35 travelling somewhere hot, pretty and PAID FOR IN CASH. Hobbies include Gin, Gym, Cake, Craft. Welcome, thanks for looking in!

    My total debt is 26218.58.

    My first focus is MBNA which started at 2385

    My pots only include a fun pot and an emergency pot right now, in March a wee little payrise is coming, all the pots will happen then and budgeting can start properly. At that point I'll do a proper SOA for you all to see, in the mean time it's just a mission to earn as much extra as I can, and use the CC as little as possible (so far so good, nothing since early December!)



    Pull up a pew, I'm in for a long ride...

    Last edited by CoffeeCakeYarn; 16-02-2018 at 10:31 AM.
Page 7
    • CoffeeCakeYarn
    • By CoffeeCakeYarn 11th Jan 18, 10:46 AM
    • 208 Posts
    • 688 Thanks
    CoffeeCakeYarn
    Thanks lovely. That's such a good idea! I'm going for a stalk now
    PAY BACK THE FUN SPEND! 38.72/137.67
    MBNA - 2233.51/2385 - 6.35%
    Emergency Fund 26/1000
    • CoffeeCakeYarn
    • By CoffeeCakeYarn 11th Jan 18, 3:05 PM
    • 208 Posts
    • 688 Thanks
    CoffeeCakeYarn
    288 so far and still one more diagnostic to run.... Am I glad I started the ohmygodineedacar/emergency/puteverythingintothis pot!
    PAY BACK THE FUN SPEND! 38.72/137.67
    MBNA - 2233.51/2385 - 6.35%
    Emergency Fund 26/1000
    • CoffeeCakeYarn
    • By CoffeeCakeYarn 11th Jan 18, 7:17 PM
    • 208 Posts
    • 688 Thanks
    CoffeeCakeYarn
    So it's all done. Much jiggery pokery involved. Good news and bad news.

    Car total covered without the need for a CC. PHEW!

    Whilst jiggery pokery was happening I discovered an error in the calculation on my spreadsheet of debts. My total debt is 26097.26. Not good, I was just over 1k out, huff. So a breakdown in order of importance:

    MBNA: 2263.68
    BC: 5841
    ZOPA:9992.58
    MA:8000

    So that's the bad news. Good news. Car was covered partly by warranty, half the work done today but did throw up some additional stuff needed so will be going back in later in the month, but it's not going to cost me anymore, I have it in writing too. Good news, I found the error today, not last week when it might have sent me over the edge.

    More good news, my pots are back as there was some money left over! YES!!!!

    Emergency pot: 20.00
    Fun Pot: 19.97

    AND - a payment made on MBNA for 39.96, I'm back on the move! I'm so so happy. It's been a stagnant week whilst holding my breath over the car, but now I can really plough on. Same plan as before, any extras split 3 ways, 1/2 on MBNA, 1/4 Emergency and 1/4 fun pot. That's the plan until March payday when I can start contributing to all of the budget pots properly.

    Decided on Mr S, spent 2.50 points and 25p cash. Woop!

    Feeling focused and relieved in equal measures now! So glad it's done, and so glad I won't be in this position again.

    Happy Thursday all, I hope it's been kind to everyone.
    xx
    Last edited by CoffeeCakeYarn; 11-01-2018 at 7:19 PM.
    PAY BACK THE FUN SPEND! 38.72/137.67
    MBNA - 2233.51/2385 - 6.35%
    Emergency Fund 26/1000
    • Mumoffourkids
    • By Mumoffourkids 11th Jan 18, 7:21 PM
    • 646 Posts
    • 3,137 Thanks
    Mumoffourkids
    Good news the car work was covered without the need for a credit card. That's amazing. Not so good it's got to go in again but at least you don't have to pay.

    Oh bad news on the debt add up but as you say good job you found after the car news.

    And to the fun pot being back!
    Total debt Dec 2017 23090.83
    Ma7 2018 3691.78 84.01% paid
    Emergency fund 150/600
    Total Savings 1328.05
    • CoffeeCakeYarn
    • By CoffeeCakeYarn 11th Jan 18, 7:27 PM
    • 208 Posts
    • 688 Thanks
    CoffeeCakeYarn
    Honestly, I'm obviously gutted it's not under 25, but I'd rather know now. Today was the day to find it because rather than being devastated, I'm just so chill after the whole car thing. It's all good, it's another month ot two max, it's just spurred me on to work harder.

    Fun pot is a weird one, I feel proper guilty putting money in it but I KNOW I need money for the time off. The suggestions of activities have thrown up a few things that won't be particularly frugal, and I know that people reading this will think, 'Just don't do it', and 'You don't deserve it', but it's happening, I'm trying to pay in cash not credit, surley that's a good thing. I'm paying the bills, paying the debts, albeit slowly right now, and am being hermit like at every opportunity. Fun pot is on

    Happy dances all round in the coffee house tonight
    Last edited by CoffeeCakeYarn; 11-01-2018 at 7:36 PM.
    PAY BACK THE FUN SPEND! 38.72/137.67
    MBNA - 2233.51/2385 - 6.35%
    Emergency Fund 26/1000
    • MeenaM
    • By MeenaM 12th Jan 18, 7:42 AM
    • 250 Posts
    • 457 Thanks
    MeenaM
    Checking in and pleased to read you've been doing happy dances! that's always a good sign, great news on the car and i agree you are allowed a fun pot , it is essential to keep you motivated and not feel like life is a drag , life is for living after all! have a good Friday
    Sealed Pot 11. #199Next1170Barclays Credit Card 4891.20/0- 0% ends April 2019 virgin 0% ends july 2020 4138 3845.89AA 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
    • CoffeeCakeYarn
    • By CoffeeCakeYarn 12th Jan 18, 10:31 AM
    • 208 Posts
    • 688 Thanks
    CoffeeCakeYarn
    Morning all, good to see you Meena

    It's FRIDAY!!!!! Happy Friday all.

    Nothing exciting planned for this weekend at all. I'll need to pop to the shop at some point for milk and broccoli and fruity nutty snacks when my graze box runs out, but other than that no plans. I'm going to do another turf out of the flat tomorrow and try and find a few more things to sell, must be ruthless. My nail colour needs changing as it's been two weeks and is getting a bit shabby, but that's a DIY job (MSE, woop!). I'm going to dedicate as much time as I can on Saturday to the surveys and extra pennies, then Sunday is going to be a day 'off' of the extra pennies earnings, I'm going to go for a run then sew all day!

    Gym tonight. Got Spag bol for dinner again out the freezer tonight, I know I keep banging on about it but that YS meat... amazing. I've still got two pork joints left and 7 packets of mince, It's lasting forever!

    Actually saying that I might pop in early doors tomorrow and see if I can find any other bargains.

    Happy Friday all xx
    PAY BACK THE FUN SPEND! 38.72/137.67
    MBNA - 2233.51/2385 - 6.35%
    Emergency Fund 26/1000
    • Mumoffourkids
    • By Mumoffourkids 12th Jan 18, 10:42 AM
    • 646 Posts
    • 3,137 Thanks
    Mumoffourkids
    Love yellow sticker meat! It's hard to find the right time to go I find though. Too early and the meat is only reduced a little, too late and it's all gone.
    Total debt Dec 2017 23090.83
    Ma7 2018 3691.78 84.01% paid
    Emergency fund 150/600
    Total Savings 1328.05
    • VadersDad
    • By VadersDad 12th Jan 18, 11:33 AM
    • 21 Posts
    • 33 Thanks
    VadersDad
    Just started my own diary. You are a real inspiration. really like your positivity. Have subscribed to your thread. Good luck!
    • CoffeeCakeYarn
    • By CoffeeCakeYarn 12th Jan 18, 12:47 PM
    • 208 Posts
    • 688 Thanks
    CoffeeCakeYarn
    Just started my own diary. You are a real inspiration. really like your positivity. Have subscribed to your thread. Good luck!
    Originally posted by grslfc1976

    Stop it, I'm blushing.. haha. Seriously, thank you, welcome. I'll pop over now xx
    PAY BACK THE FUN SPEND! 38.72/137.67
    MBNA - 2233.51/2385 - 6.35%
    Emergency Fund 26/1000
    • CoffeeCakeYarn
    • By CoffeeCakeYarn 12th Jan 18, 12:48 PM
    • 208 Posts
    • 688 Thanks
    CoffeeCakeYarn
    Love yellow sticker meat! It's hard to find the right time to go I find though. Too early and the meat is only reduced a little, too late and it's all gone.
    Originally posted by Mumoffourkids

    Right? That last lot was the in between Christmas lot so I don't know if I'll find any more, but that was first thing in the morning so I'm thinking it might be worth the early start tomorrow as I need to go...

    On second thoughts my freezer is full and I really don't NEED to be meat hunting right now. I'll go when I get up.
    PAY BACK THE FUN SPEND! 38.72/137.67
    MBNA - 2233.51/2385 - 6.35%
    Emergency Fund 26/1000
    • CoffeeCakeYarn
    • By CoffeeCakeYarn 12th Jan 18, 12:55 PM
    • 208 Posts
    • 688 Thanks
    CoffeeCakeYarn
    Oh random small thing, Mozzarella balls in Iceland, 50p (cheapest I've found) and really good. That is all.
    PAY BACK THE FUN SPEND! 38.72/137.67
    MBNA - 2233.51/2385 - 6.35%
    Emergency Fund 26/1000
    • joeyjimbles
    • By joeyjimbles 12th Jan 18, 6:54 PM
    • 1,586 Posts
    • 8,633 Thanks
    joeyjimbles
    oddly Asda nearly always have the galbani mozzarella balls in the YS shelf. I often get them, though I'm not often in Asda these days.
    • CoffeeCakeYarn
    • By CoffeeCakeYarn 13th Jan 18, 9:18 AM
    • 208 Posts
    • 688 Thanks
    CoffeeCakeYarn
    OOO that's handy to know! I'm not really near an Asda but will pop in next time I pass.

    Quiet night last night, gym dinner bed. Quiet day planned today, going to try and motivate myself to concentrate on the extra pennies today and not just craft all day which is what I really fancy doing. Going to head to the shops for the 'weekly' shop later tonight. Got a list, must stick to it, should come in at under 10. I was rubbish last week and had to 'top up' twice, bad planning. But it only cost 2.25 as used nectar points, so not too dire.

    Cashed out a whopping 1.64 yesterday, so another little chip at MBNA. Takes the total overpayment this month to 50 ish, so can't grumble as it all adds up!

    Happy Saturday xx
    PAY BACK THE FUN SPEND! 38.72/137.67
    MBNA - 2233.51/2385 - 6.35%
    Emergency Fund 26/1000
    • redofromstart
    • By redofromstart 13th Jan 18, 10:07 AM
    • 1,767 Posts
    • 10,618 Thanks
    redofromstart
    Happy Saturday to you, and good luck with the YS hunt. That collection is lasting you nicely so it was money well invested.

    Taking the more scenic route on your journey is a personal choice. The risk of too tight a control is that you wobble, have a splurge and end up spending far more than your fun pot anyway and get into that spiral of being cross with yourself. Far more enjoyable to do it your way as long as you can afford to service your debts.
    • CoffeeCakeYarn
    • By CoffeeCakeYarn 13th Jan 18, 12:18 PM
    • 208 Posts
    • 688 Thanks
    CoffeeCakeYarn
    Thanks redo, the freezer is still jam packed, have still got all the fish and weeks of meat left so I think it was a good investment overall.

    That's a really good explanation. I'm not a particularly social person as a rule, but there are a few people I love spending time with, and when we do, it's time that matters. It's not like I'm out every weekend, I turned down another invite for today which would have been a 40 spend at least, in favour of saving the money for the end of the month, which is a person and time I will enjoy more. And I know me, I know I can't shut myself off completely because my mental health will suffer. Thanks for the affirmation that I'm doing okay and making good choices, it really is good to have constructive support.
    PAY BACK THE FUN SPEND! 38.72/137.67
    MBNA - 2233.51/2385 - 6.35%
    Emergency Fund 26/1000
    • CoffeeCakeYarn
    • By CoffeeCakeYarn 13th Jan 18, 7:46 PM
    • 208 Posts
    • 688 Thanks
    CoffeeCakeYarn
    Shopping done! Did a double dash to Mr S and Aldi, all the bits I need for next week (unless I get a surprise dinner guest!) for 6.75. BOSH! No YS. Total food spend for this week is a nice round 9.00, and the treat this week is a packet of cookies.

    Nothing much to report today, has a cash out on the surveys but waiting for it to process, so no dinks in MBNA unless that goes through before bed. Time to sew now!

    Happy Saturday all x
    PAY BACK THE FUN SPEND! 38.72/137.67
    MBNA - 2233.51/2385 - 6.35%
    Emergency Fund 26/1000
    • Mumoffourkids
    • By Mumoffourkids 13th Jan 18, 7:51 PM
    • 646 Posts
    • 3,137 Thanks
    Mumoffourkids
    Wow I wish my shopping was as low as yours. Boo to no yellow stickers though but not sure you need anymore with your full freezer!

    Happy sewing. I'm updating my spreadsheet and then knitting in front of the TV. What am exciting Saturday night
    Total debt Dec 2017 23090.83
    Ma7 2018 3691.78 84.01% paid
    Emergency fund 150/600
    Total Savings 1328.05
    • CoffeeCakeYarn
    • By CoffeeCakeYarn 13th Jan 18, 8:51 PM
    • 208 Posts
    • 688 Thanks
    CoffeeCakeYarn
    We are so rock and roll!
    PAY BACK THE FUN SPEND! 38.72/137.67
    MBNA - 2233.51/2385 - 6.35%
    Emergency Fund 26/1000
    • Honeysucklelou2
    • By Honeysucklelou2 13th Jan 18, 10:09 PM
    • 879 Posts
    • 3,557 Thanks
    Honeysucklelou2
    Just read through your diary. Well done on buying the YS meat...brilliant for freezing. What a relief for you that the money from the ex came in....must have been a weight off your mind.

    Good luck with the debt busting,
    paydbx #93 692/8,000.
    Loan 17k - paid off in Aug 2017. Home improvement loans 3342 March 2017. 3123 in Jan 18
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