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  • FIRST POST
    • MoneysavingmadGem
    • By MoneysavingmadGem 29th Dec 17, 10:40 PM
    • 55Posts
    • 249Thanks
    MoneysavingmadGem
    Only way is up from rock bottom!!
    • #1
    • 29th Dec 17, 10:40 PM
    Only way is up from rock bottom!! 29th Dec 17 at 10:40 PM
    Hi all
    Well I have had a shocking year which has left me at rock bottom.

    Single, jobless, homeless and 9000 in debt.
    So 2018 is a year to build it all back up!!!

    First step was the job! So started as freelance support tutor for degree students (what im trained to do) and I have interview for a 10 hour a week contract on 4th jan! wohoo!

    Second - roof over my head! Been staying with parents but at 30 (having moved out at 18) some personal space is needed! So I pick keys up to a little bedsit on 5th jan (thanks to a little inheritance from my nan who passed away in may) !!!128512;!!!128512;

    Third step - no not finding a partner. Clearing my debt!!!!
    This is the year I will clear my debt. Any ebay sells/ survey vouchers / gifts of money or anything left from end of month budget will be going towards achieving this!

    Little apprehensive as I dont know running costs but a little bedsit shouldn't be too much. Was cheapest accommodation I could find.
    Just around corner from family and freinds already been offered evening meals and use if their washing machines!

    Rough budget has been drawn up will be reviewed after this first month.

    Looking forward to starting thus journey on 1st Jan!!!
Page 1
    • erniethecat
    • By erniethecat 30th Dec 17, 12:34 AM
    • 31 Posts
    • 95 Thanks
    erniethecat
    • #2
    • 30th Dec 17, 12:34 AM
    • #2
    • 30th Dec 17, 12:34 AM
    You're doing great already! 2/3 accomplished. 2018 is going to be your year!
    • redofromstart
    • By redofromstart 30th Dec 17, 9:01 AM
    • 1,763 Posts
    • 10,747 Thanks
    redofromstart
    • #3
    • 30th Dec 17, 9:01 AM
    • #3
    • 30th Dec 17, 9:01 AM
    Just dropped in to say good luck with your journey.
    • MoneysavingmadGem
    • By MoneysavingmadGem 30th Dec 17, 11:40 AM
    • 55 Posts
    • 249 Thanks
    MoneysavingmadGem
    • #4
    • 30th Dec 17, 11:40 AM
    • #4
    • 30th Dec 17, 11:40 AM
    Thanks

    Absolutely determined to achieve these goals!
    • MoneysavingmadGem
    • By MoneysavingmadGem 2nd Jan 18, 12:05 AM
    • 55 Posts
    • 249 Thanks
    MoneysavingmadGem
    • #5
    • 2nd Jan 18, 12:05 AM
    • #5
    • 2nd Jan 18, 12:05 AM
    1st day of the year!
    Kicked off with a sunday roast at the best friends house and board games.

    Been a nsd so wondering how many of these days I can get into the month.

    Due to moving costs (on fri!) Its left me with 100 for the month!! Arrrggghh crazy. Of which 55 taken for dd bills.

    But I have also got 150 from xmas which I was going to use to pay cc but thinking cash flow!

    Maybe pay min amount and keep rest back in case of needing food/fuel.if I dont use I can then pay more off end of the month.

    I do need to get a headlight bulb for car, going to try myself to replace when I looked the other day I have to remove the battery to get to it so need to borrow some tools! Lol
    • ramblehan
    • By ramblehan 2nd Jan 18, 7:59 AM
    • 610 Posts
    • 1,250 Thanks
    ramblehan
    • #6
    • 2nd Jan 18, 7:59 AM
    • #6
    • 2nd Jan 18, 7:59 AM
    Welcome and good luck. With determination you can achieve anything!
    • Baldybear
    • By Baldybear 3rd Jan 18, 12:09 PM
    • 1,637 Posts
    • 3,238 Thanks
    Baldybear
    • #7
    • 3rd Jan 18, 12:09 PM
    • #7
    • 3rd Jan 18, 12:09 PM
    Hello, good luck with your journey!

    Re bills hope this helps. Is the following included in your bedsit rent:
    council tax, gas, electric, water
    If not worth finding some money to budget for these, also if electric, gas etc on meters??
    Also contents insurance is always a good thing to have and should be fairly cheap.
    Debt as of 6-5-18 8063.45
    • MoneysavingmadGem
    • By MoneysavingmadGem 9th Jan 18, 2:04 PM
    • 55 Posts
    • 249 Thanks
    MoneysavingmadGem
    • #8
    • 9th Jan 18, 2:04 PM
    • #8
    • 9th Jan 18, 2:04 PM
    Thanks baldybear.

    Yep budgeted for all bills roughly for this month.

    Only got electric is on key meter I know its higher tariff but at least I can keep an eye on what im using.

    Had 2 nsd last week. Did spend 106 but that included 40 petrol for the month and 35 car insurance. Rest was food or parking.

    Another nsd today. Had to take nan down town so used car but she paid for parking and cooked lunch and sent me on with a food parcel!

    Got a list of things I could do with for the flat but holding off!

    Got 10 amazon voucher from swagbucks so going to use this for a couple flat items.
    Crazy clothes 2018 #7 - 24.23/ 120, handmade or cs
    Pay all debt off xmas 2018 #066.(909.95/ 10565.90)
    2018 frugal living #34 (2500)
    1% a day #36 (9000)
    • MoneysavingmadGem
    • By MoneysavingmadGem 10th Jan 18, 5:17 PM
    • 55 Posts
    • 249 Thanks
    MoneysavingmadGem
    • #9
    • 10th Jan 18, 5:17 PM
    • #9
    • 10th Jan 18, 5:17 PM
    Second nsd in a row today, managed to dodge the cake shop on my way down town.

    Walked into town rather than drove. Student lunch of baked beans and sausages over pasta. Tea at a friends tonight.
    Rang edf and looked up online, as on prepay meter sadly im not able to get s cheaper deal but working out about 8 a week which includes heating. Only a small flat

    Got my step mum and step dads birthdays coming up in a couple weeks im quite crafty so any ideas for presents let me know lol
    Crazy clothes 2018 #7 - 24.23/ 120, handmade or cs
    Pay all debt off xmas 2018 #066.(909.95/ 10565.90)
    2018 frugal living #34 (2500)
    1% a day #36 (9000)
    • MoneysavingmadGem
    • By MoneysavingmadGem 12th Jan 18, 7:19 PM
    • 55 Posts
    • 249 Thanks
    MoneysavingmadGem
    Yesterday wasn't a no spend day sadly, ended up buying a couple cheap items for the flat from asda.

    Today has been a no spend day and no car day.
    Crazy clothes 2018 #7 - 24.23/ 120, handmade or cs
    Pay all debt off xmas 2018 #066.(909.95/ 10565.90)
    2018 frugal living #34 (2500)
    1% a day #36 (9000)
    • theroamingnomad
    • By theroamingnomad 12th Jan 18, 7:23 PM
    • 115 Posts
    • 124 Thanks
    theroamingnomad
    Good luck with your endeavours and I hope the job is going well?
    Debt-free by January 1st, 2019.
    4905.87/5124 - as of 24/03/18
    • MoneysavingmadGem
    • By MoneysavingmadGem 17th Jan 18, 10:37 PM
    • 55 Posts
    • 249 Thanks
    MoneysavingmadGem
    Since last post iv managed to have 4 more nsd's! Wohoo! And 2 no car days!

    I haven't had a take away since new years eve, which to me is a big thing as Im not keen on cooking, however friends and family have been great and iv organised once a week to be visiting them and having a meal so feels like im going out!

    Today iv sorted my credit card as its 0% is up so swapped it across to a card that is 0% for 24 months! But hopefully will be paid off before then.

    Iv relooked at Sainsburys reward card as its only petrol station where I live and have found I have 15 on there so going to get baking bits with it tomorrow to do step mum a birthday cake for sunday.

    Just done a round down on bank accounts of 1.17 into a savings account.
    Get paid on 21st so looking at budget for next month this weekend.
    Crazy clothes 2018 #7 - 24.23/ 120, handmade or cs
    Pay all debt off xmas 2018 #066.(909.95/ 10565.90)
    2018 frugal living #34 (2500)
    1% a day #36 (9000)
    • MoneysavingmadGem
    • By MoneysavingmadGem 20th Jan 18, 4:54 PM
    • 55 Posts
    • 249 Thanks
    MoneysavingmadGem
    Wohoo end of the first month!!! Thank goodness will be the hardest one to get through im sure.

    Pay has gone in so sat re looked at budget. Looking better already although iv got to pay water off but even taking this into account better than last month!

    Taking cash out cards will stay locked away!

    Making birthday cake tonight and potting up a cut off iv had routing of my money tree to give her for her birthday tomorrow.

    In last 21 days iv had 10 nsd cuffed with. Im planning time better when I go shopping rather droppin in and being enticed by other items on offer.

    Only 4 ncds bit disappointed going to improve this next month
    Crazy clothes 2018 #7 - 24.23/ 120, handmade or cs
    Pay all debt off xmas 2018 #066.(909.95/ 10565.90)
    2018 frugal living #34 (2500)
    1% a day #36 (9000)
    • MoneysavingmadGem
    • By MoneysavingmadGem 6th Feb 18, 9:49 PM
    • 55 Posts
    • 249 Thanks
    MoneysavingmadGem
    Well definitely been some up and downs!!

    No spending days are going really well but I did make a spend last week not happy about and im still trying to forgive myself! Ended up buying a new outfit due to staying at a friend's and having a night out sprung on me! But I did get it in the sell 16 odds after a saving of 18! So cant really grumble!

    Gone over budget this month but thats because iv paid water and council tax for next 3 months instead of monthly! So next month be a saving.

    Getting into the knack of moving change across from bank account to savings account. Want to have 3 months rent saved got 1 month already.

    Need to look at eating better foods but frugally. I only have a fridge so difficult to bulk buy. At the moment im having good meals at family/ friends 3 times a week and then quick food's like tuna pasta / bb on toast at mine. Hate cooking for 1!

    I am pleased that iv been back baking so far this month:
    1 x birthday cake
    1x coffee cake
    1x banana cake
    Marshmallow cookies (scrumptious!)
    Crazy clothes 2018 #7 - 24.23/ 120, handmade or cs
    Pay all debt off xmas 2018 #066.(909.95/ 10565.90)
    2018 frugal living #34 (2500)
    1% a day #36 (9000)
    • MoneysavingmadGem
    • By MoneysavingmadGem 15th Feb 18, 7:50 PM
    • 55 Posts
    • 249 Thanks
    MoneysavingmadGem
    Well this week has been a toughie!

    Been cat sitting for mum and also brother so.lots of running around, plus taking nan food shopping.

    Went out tues night for meal, first time in ages with a friend in their car, in way home had a car go up the back of us. Then found out step mums been in ane with chest pains - possible angina and that my brothers little one (6months old) rushed into hospital as has bronchitis but affected badly due to him having cystic fibrosis.

    Just makes me want to sit and eat a big bar of chocolate!!!

    Down to last 20 in budget but I have fuel, elec and food in cupboards and everything's been paid so hoping to stash this towards cc overpayment.

    Already got quite a bit put towards overpayment. Will count up and put in figures and next months budget on 21st feb when im paid.

    Really pleased, now declared as self employed, had 1 student start on 1st feb, got another allocated, and another company has been in contact with possible work. So all getting better.

    Just hoping my health holds out as lately iv been in pain and not sleeping with a small flare of ME / CFS so need to take control and manage my energy and time.
    Crazy clothes 2018 #7 - 24.23/ 120, handmade or cs
    Pay all debt off xmas 2018 #066.(909.95/ 10565.90)
    2018 frugal living #34 (2500)
    1% a day #36 (9000)
    • savingholmes
    • By savingholmes 15th Feb 18, 9:29 PM
    • 8,955 Posts
    • 17,015 Thanks
    savingholmes
    Keep going. It must be nice having your own place again and sounds like you have a good support network. Hope your relatives heal quickly
    Today is a new day 93/310 10 a day Mar Challenge DFD August 2021
    • MoneysavingmadGem
    • By MoneysavingmadGem 16th Feb 18, 9:35 AM
    • 55 Posts
    • 249 Thanks
    MoneysavingmadGem
    Thank you, yes definitely nice having some personal space again. Given me more focus to achieve to.
    Crazy clothes 2018 #7 - 24.23/ 120, handmade or cs
    Pay all debt off xmas 2018 #066.(909.95/ 10565.90)
    2018 frugal living #34 (2500)
    1% a day #36 (9000)
    • SnowBallBunny
    • By SnowBallBunny 6th Mar 18, 10:18 AM
    • 141 Posts
    • 282 Thanks
    SnowBallBunny
    Good luck with your DFW journey Money, you've made so much progress already! And you've got such a positive attitude towards things. Keep going, you're doing so well.
    Credit Card 1 6,000/5,462.76 Debit Card 5,000/4,038.61 (Debit Card includes Emergency Fund 1000) Credit Card 2 1200/822.91 Tax Bill 750/0 Library Fine 90/0 Accountancy Bill 720/0 Cancelled Art Project Donation 15/0
    Total 13,199/10,324

    A SnowballBunny, hopping my way to Financial Freedom.
    • MoneysavingmadGem
    • By MoneysavingmadGem 15th Mar 18, 10:39 PM
    • 55 Posts
    • 249 Thanks
    MoneysavingmadGem
    Realised I haven't actually listed my debts on here.

    So id paid off 556.91 between jan 1st and 3rd march! Yay!

    3rd march stood at:

    Nan - 250
    Mbna- 22.34
    Barclay - 1886.91
    B of S - 3950
    Lloyds - 3971.64

    Aims by march 21st:
    Mbna - pay off close account
    Other cc's - 40 on each
    Nan - 100
    Crazy clothes 2018 #7 - 24.23/ 120, handmade or cs
    Pay all debt off xmas 2018 #066.(909.95/ 10565.90)
    2018 frugal living #34 (2500)
    1% a day #36 (9000)
    • MoneysavingmadGem
    • By MoneysavingmadGem 15th Mar 18, 10:45 PM
    • 55 Posts
    • 249 Thanks
    MoneysavingmadGem
    Well so far from 21st feb till today not been good.
    Bad weather has meant forking out for electric heater.
    Iv not been keeping spending journal, but with 1week before pay day all bills are paid, food in cupboards and iv got 40 left in budget.

    But may need to put 10 in petrol as work meeting on monday and keeping 5 for electric as nearly through 40 this month but due to snow and extra heater.

    Picked up extra work this week invigilating for exams at local college. After this week next exam phase is may/ june.

    Made another 15 amazon voucher through swagbucks.

    Applied to do masters degree to start sept!!!

    Put another 10 items on ebay due to end sun!!!
    Crazy clothes 2018 #7 - 24.23/ 120, handmade or cs
    Pay all debt off xmas 2018 #066.(909.95/ 10565.90)
    2018 frugal living #34 (2500)
    1% a day #36 (9000)
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