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
    • benbenandme
    • By benbenandme 29th Dec 17, 4:01 PM
    • 10,952Posts
    • 28,924Thanks
    benbenandme
    2018 Benbenandme's Next Battle
    • #1
    • 29th Dec 17, 4:01 PM
    2018 Benbenandme's Next Battle 29th Dec 17 at 4:01 PM
    Hello It's that time of year for another new diary ... I'm not a newbie, I've been around these parts for years, never quite knowing whether I should be on here or the Mortgage Free boards, but after much consideration I have decided to return here for my next diary installment.

    I have previous chapters of my journey on here, but a brief history of my last ten years is as follows: I am a single parent to a 14 year old boy with ASD. I love him to bits, he is my whole world, but causes me a great deal of stress and worry too We have been living in a flat for the last 10 years and I have worked hard to clear my mortgage on it. In March this year we finally moved into a small house, which is lovely, and near my Mum. My brother lent me 30k to help get the house which is my 'debt' that I am paying back. The monthly budgets are stupidly tight, partly as I want to get it paid asap even though he is in no hurry for it back.

    Looking further ahead ds is in year ten so only has 18 months until his GCSE's. After this he wants to do an apprenticeship which, from a financial point of view, means my child benefit, tax credits and child maintenance will stop , meaning a drop in total income from approx 1900 to approx 1200 So, this year could potentially be my last one with this extra income, so I need to maximise the potential ...

    My next post will list my SOA and my plans for 2018, please stick around for the ride, all help, support and thoughts are appreciated and very much welcome
    Mortgage Total: 75,000 69,652 Mortgage End Date: May 2040
    2019 Savings: 1946 / 4,360
    Holiday Fund 1,866/4,000
Page 48
    • Drawingaline
    • By Drawingaline 13th Apr 19, 12:01 PM
    • 607 Posts
    • 2,143 Thanks
    Drawingaline
    I am also trying to lose weight Ben Ben. I am trying to do weight watchers on line and have joined the ww thread on here for motivation. I also got a fitbit back in Jan for my birthday, but it gives me a false sense of security as on a work day (I have a physical job) I easily do between 15-20k and on the weekend I relax and do around 3k!!!

    Good luck with the weight loss. If it doesn't get rid of the heartburn it would be worth a trip to the GP, there are different types of heartburn medication and one may suit you better.
    • benbenandme
    • By benbenandme 13th Apr 19, 12:18 PM
    • 10,952 Posts
    • 28,924 Thanks
    benbenandme
    Thanks Drawingaline, I will be using MyFitnessPal -worked for me last time so will try again. I found the fitbit too - it was in with my socks, no idea how it got there but am pleased nonetheless. It's almost finished charging now so will try and get some steps in before the footie this afternoon, then will take the dog for a nice long walk tonight to get the rest in
    Mortgage Total: 75,000 69,652 Mortgage End Date: May 2040
    2019 Savings: 1946 / 4,360
    Holiday Fund 1,866/4,000
    • gran3
    • By gran3 13th Apr 19, 1:32 PM
    • 152 Posts
    • 1,107 Thanks
    gran3
    In the meantime, re heartburn, do you drink a lot of tea? That can make it worse but also, Zantac aka Ranatadine is much better at dealing with it, in my experience. 79p @ Home Bargains. When you are weighing less and eating different things it'll probably improve. Good luck.
    • benbenandme
    • By benbenandme 13th Apr 19, 2:00 PM
    • 10,952 Posts
    • 28,924 Thanks
    benbenandme
    That's interesting Gran, I used to drink mainly coffee but over the last year or so I've switched to tea. Definitely something for me to keep an eye on.

    So far today I've had 2 x egg on toast for breakfast, then a salad with prawns and butternut squash for lunch. Stir-fry for dinner tonight. According to MFP I have 1290 calories a day, I still have 778 left today so that will be my stir-fry, yoghurt and raspberries for pud and maybe a few mint imperials later (my complete weakness).

    Time for the footie then a nice walk later with the dog, might do some job spotting while we're out, may as well earn some pennies while I'm getting my steps in
    Mortgage Total: 75,000 69,652 Mortgage End Date: May 2040
    2019 Savings: 1946 / 4,360
    Holiday Fund 1,866/4,000
    • benbenandme
    • By benbenandme 14th Apr 19, 10:36 AM
    • 10,952 Posts
    • 28,924 Thanks
    benbenandme
    First load of washing is flapping on the line, and I have spent this morning gutting ds bedroom. The dustballs in there were a positive health hazard One binliner of rubbish, 4 cups and a spoon and a mountain of washing later and it is all clean and sparkly again, just needs the bed remaking when its dry and ironed.

    I'm pleased to have got that job out the way, it actually wasn't as time-consuming as I thought it would be. So, the rest of today is looking like this:

    A nice walk later to get some steps in, I've just put a chicken in the oven to have with salad for lunch and with stir-fry for dinner. Maybe a bit of footie watching later, other than that it will be spent pottering and crossing a few house jobs off my list. I might also have a mid-month look at the finances and see if I'm vaguely on track this month.
    Mortgage Total: 75,000 69,652 Mortgage End Date: May 2040
    2019 Savings: 1946 / 4,360
    Holiday Fund 1,866/4,000
    • Pooky
    • By Pooky 14th Apr 19, 11:10 AM
    • 6,864 Posts
    • 44,630 Thanks
    Pooky
    I had the same issues for years, went gluten free nearly 2 years ago now and lost 3stone and only very occasionally need an indigestion tablet (mainly after tomato based sauces which I steer clear off as much as possible).
    "Start every day off with a smile and get it over with" - W. C. Field.
    • benbenandme
    • By benbenandme 14th Apr 19, 11:47 AM
    • 10,952 Posts
    • 28,924 Thanks
    benbenandme
    3 profit from a matched bet
    Mortgage Total: 75,000 69,652 Mortgage End Date: May 2040
    2019 Savings: 1946 / 4,360
    Holiday Fund 1,866/4,000
    • earthgirl
    • By earthgirl 14th Apr 19, 1:50 PM
    • 2,508 Posts
    • 26,640 Thanks
    earthgirl
    Yey on the matched bet profit it all adds up.
    I'm also losing weight - about a stone - I have set myself 5 rules to follow - thats it as I hate diet programs and fad diets. It's working so far!
    15/5/12 Paid off Mortgage 1 (220k) Bought Dream House Dec 13 - Mortage 2 -116,508. 15/7/18 Mortgage Free Again

    My Planner : https://youtu.be/nB8pejCDV1k

    10 Extreme Ways to Cut Costs: https://youtu.be/LGARCHqh4ME
    • benbenandme
    • By benbenandme 14th Apr 19, 3:10 PM
    • 10,952 Posts
    • 28,924 Thanks
    benbenandme
    My rules are to stick to my calorie limit (1290 a day), do 10,000 steps a day and try to avoid processed food where possible. Once some weight has shifted and I feel a bit fitter from walking I will start C25K again, that was what got me into running before and I loved it. I didn't at the time as it felt like hard work, but I felt so much better mentally when I'd been for a run. I have stuck a big picture of our cruise ship on the fridge to keep me on the straight and narrow

    Just back from a walk with the dog - we went from here and wandered down the beach. It was quite breezy down there but sunny and bright, lots of people walking their dogs and a few hardy souls paddling

    Home in time for a nice cup of tea then the Liverpool game and a nice drool over Eden Hazard Swagbucks goal is done, hot water is on for a bath, time to chill for a bit
    Mortgage Total: 75,000 69,652 Mortgage End Date: May 2040
    2019 Savings: 1946 / 4,360
    Holiday Fund 1,866/4,000
    • benbenandme
    • By benbenandme 15th Apr 19, 9:15 AM
    • 10,952 Posts
    • 28,924 Thanks
    benbenandme
    Morning, it's so cold here - the guy is coming to fix and service the boiler tomorrow, I can't wait to have some heating back on in the mornings!

    7 profit from a matched bet this morning, well on my way to my Swagbucks goal, mug of tea drunk and now time to get dressed and plan my day!
    Mortgage Total: 75,000 69,652 Mortgage End Date: May 2040
    2019 Savings: 1946 / 4,360
    Holiday Fund 1,866/4,000
    • benbenandme
    • By benbenandme 15th Apr 19, 10:35 AM
    • 10,952 Posts
    • 28,924 Thanks
    benbenandme
    5 amazon voucher redeemed from Swagbucks
    Mortgage Total: 75,000 69,652 Mortgage End Date: May 2040
    2019 Savings: 1946 / 4,360
    Holiday Fund 1,866/4,000
    • benbenandme
    • By benbenandme 15th Apr 19, 12:29 PM
    • 10,952 Posts
    • 28,924 Thanks
    benbenandme
    So despite having the best of intentions of getting on with some jobs today I found myself sat on the sofa watching Homes Under The Hammer, struggling to do anything other than surf online. So I made myself put my shoes on and the dog and I went for a walk in the forest. It was ridiculously blowy up there today so we didn't go that far, but it was enough to blow the cobwebs away and get me doing something again.

    After that I popped into Sainsburys and got a few veg and salad bits, home again now and I've pegged out the second load of washing 0 the basket is finally empty

    This afternoon I'm planning on pottering around indoors and in the garden, getting a few bits and pieces crossed off my to do list.
    Mortgage Total: 75,000 69,652 Mortgage End Date: May 2040
    2019 Savings: 1946 / 4,360
    Holiday Fund 1,866/4,000
    • benbenandme
    • By benbenandme 15th Apr 19, 2:19 PM
    • 10,952 Posts
    • 28,924 Thanks
    benbenandme
    3 profit from a matched bet
    Mortgage Total: 75,000 69,652 Mortgage End Date: May 2040
    2019 Savings: 1946 / 4,360
    Holiday Fund 1,866/4,000
    • benbenandme
    • By benbenandme 16th Apr 19, 8:36 AM
    • 10,952 Posts
    • 28,924 Thanks
    benbenandme
    So today is day four of the losing weight project - all good so far, I've stuck to my calories and done my 10k steps each day. Interestingly I haven't had heartburn at all

    I do also suffer with restless legs in the evenings and haven't done for the last few days, but I have woken up in the night the last 2 nights with it - I need to google and see what I can do for this.

    So today is finally the day the man is coming to fix the boiler, so no more wearing 4 layers I can't wait!!

    Other than that I will be doing indoor stuff as he isn't sure what time he's going to be here, probably sometime after lunch. I want to try and get some of my bank accounts / savings streamlined a bit. I also need to check all my betting accounts and empty those with balances back into my bank account
    Mortgage Total: 75,000 69,652 Mortgage End Date: May 2040
    2019 Savings: 1946 / 4,360
    Holiday Fund 1,866/4,000
    • benbenandme
    • By benbenandme 16th Apr 19, 5:59 PM
    • 10,952 Posts
    • 28,924 Thanks
    benbenandme
    Heating is fixed It's so nice not having to sit under a blanket with my gloves on

    I haven't achieved much of the stuff that I planned today, but I have done my Swagbucks goal, stuck to my calories and am nearly at my 10k steps (I need to do a few laps of the lounge first) .

    13 profit from a matched bet, I have a couple of other betting bits going on this evening (Champions League night) so hopefully there will be some extra bits to add later or tomorrow
    Mortgage Total: 75,000 69,652 Mortgage End Date: May 2040
    2019 Savings: 1946 / 4,360
    Holiday Fund 1,866/4,000
    • beanielou
    • By beanielou 16th Apr 19, 6:33 PM
    • 62,577 Posts
    • 270,708 Thanks
    beanielou
    Hearly half way on the holiday fund
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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. ***Be the difference.***
    • benbenandme
    • By benbenandme 16th Apr 19, 6:58 PM
    • 10,952 Posts
    • 28,924 Thanks
    benbenandme
    Yep That one is largely dependent on the ex's maintenance payments. I want to reach my goal for my brothers find then I'll focus on the holiday - If the worst happens I will have to raid my savings to cover it but I do still have 15 months til we go so plenty of time to find some pennies there

    Tonight I have finally filled in to see if I've ever had PPI. I'm 99.9% sure I haven't but I thought I ought to check for sure. It takes a few weeks to hear back but let's see

    I've also tried to switch a bank account, using the Natwest offer mentioned in last weeks MSE email. I got most of the way through the application form and the Natwest website says there is an error at their end and I need to start again. I did so and the same thing happened It had already told me everything was fine so not credit check related. I need to phone or go to the branch instead. I need to do it as its 175 cashback for switching. I'm not switching my main current account, I have 3 current accounts - my proper one that my wages go in and then two others that I switch around to make the most of new offers
    Mortgage Total: 75,000 69,652 Mortgage End Date: May 2040
    2019 Savings: 1946 / 4,360
    Holiday Fund 1,866/4,000
    • benbenandme
    • By benbenandme 17th Apr 19, 6:00 PM
    • 10,952 Posts
    • 28,924 Thanks
    benbenandme
    7 profit from a matched bet
    Mortgage Total: 75,000 69,652 Mortgage End Date: May 2040
    2019 Savings: 1946 / 4,360
    Holiday Fund 1,866/4,000
    • dangers
    • By dangers 17th Apr 19, 7:35 PM
    • 1,426 Posts
    • 2,847 Thanks
    dangers
    We tried to switch to that account today but we were told that we had to close our acc and have our salary put into the new account.
    • benbenandme
    • By benbenandme 17th Apr 19, 7:47 PM
    • 10,952 Posts
    • 28,924 Thanks
    benbenandme
    I don't mind closing the old account but I'm not moving my salary. The t&c's don't say that but they may insist on it. No worries, I'll just wait for the next decent offer to come along instead
    Mortgage Total: 75,000 69,652 Mortgage End Date: May 2040
    2019 Savings: 1946 / 4,360
    Holiday Fund 1,866/4,000
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

41Posts Today

1,054Users online

Martin's Twitter
  • Have a great Easter, or a chag sameach to those like me attending Passover seder tomorrow. I?m taking all of next? https://t.co/qrAFTIpqWl

  • RT @rowlyc1980: A whopping 18 days off work for only 9 days leave! I?ll have a bit of that please......thanks @MartinSLewis for your crafty?

  • RT @dinokyp: That feeling when you realise that you have 18 days of work and only used 9 days of your annual leave! Thanks @MartinSLewis h?

  • Follow Martin