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  • FIRST POST
    • Sun Addict
    • By Sun Addict 27th Jan 18, 9:50 PM
    • 5,602Posts
    • 36,130Thanks
    Sun Addict
    Things can only get better
    • #1
    • 27th Jan 18, 9:50 PM
    Things can only get better 27th Jan 18 at 9:50 PM
    Unbelievably my very long running diary of 5 years seems to have been deleted Not happy about this to say the least

    Not sure what to do about it. Need my diary to keep me sane and on track.

    Had to swiftly come up with a new title, had been meaning to start a new diary but not this way.

    Anyway, in brief for those who don't know, my life changed drastically 5 years ago when my OH got Lymphoma in his brain, nearly lost his life but miraculously survived, although he has permanent brain damage and is disabled. So we lost his wage and I'm now the sole breadwinner. At its highest debt was around £5k but paid off thankfully.

    I try to keep as normal a life as I can.

    Still really angry my old diary has gone
    Virtual Sealed Pot 2018 £250.33
    Debt £2572.50
    April NSDs 2 AFDs 3
    Weight loss 7/10LBS Emergency Fund £2000/£10,000
    Dining room fund £
Page 27
    • Verbatim
    • By Verbatim 8th Apr 18, 8:22 AM
    • 4,565 Posts
    • 13,546 Thanks
    Verbatim
    Ooh Mr SA and dog on scooter with goggles! Wind in their hair, rushing past. Very Wallace and Grommit!
    CCs @0% £24k Dec 05 £19,621.41 Au £13400 S 12600 Oct £11,981 £9481 £7500 Nov £7250 D £7100 Jan 6950 F £5800 Mar£5400 May £4830 June £4660 July £4460 Aug £3200, S £900, £0 18/9/07 DFW Nerd 042
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 8th Apr 18, 10:44 AM
    • 3,893 Posts
    • 25,954 Thanks
    HairyHandofDartmoor
    Ooh Mr SA and dog on scooter with goggles! Wind in their hair, rushing past. Very Wallace and Grommit!
    Originally posted by Verbatim



    Have a lovely day SA
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund. Then save up for repairs to the house.
    Emergency Fund 1 = £530/Emergency Fund 2 = £0/Loss of Income Fund £0
    • beanielou
    • By beanielou 8th Apr 18, 10:59 AM
    • 52,761 Posts
    • 207,317 Thanks
    beanielou
    Happy Sunday
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 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.
    • Sun Addict
    • By Sun Addict 8th Apr 18, 4:31 PM
    • 5,602 Posts
    • 36,130 Thanks
    Sun Addict
    You lot have made me laugh about the goggles Wait until you read this - he was going on about having a spray tan before we go on holiday - this is definitely not happening it's one pester too far!

    Dog is none the worse for wear after stealing the chocolate thankfully.

    I'm having a very disorganised day today, I don't know why. It's making me feel a bit off.

    I think I've shocked myself by ordering a bookcase for the dining room when I really shouldn't have due to not having the money for it yet. It was in a sale then I had a voucher for another 10% off and went through TCB - this is my excuse. I want to buy the matching desk and lamp table but they aren't in the sale and I'll have to wait until I've got the money. I'll have to shuffle money about a bit to fit into the budget. It was something I was going to buy anyway but not just yet. This is my downfall unfortunately.

    Anyway what's done is done and in the long run I've saved money.

    New budgets kick in next week and have had to do some readjusting to factor in the extra scooter money.

    Soup for work lunches made - butternut squash, kale and coriander. Making a Thai red curry for tonight, Mr SA is having steak and chips.

    Full working week next week but for one week only - 7 more work get ups to go

    Right - time to try and get some organisation back in my life.
    Virtual Sealed Pot 2018 £250.33
    Debt £2572.50
    April NSDs 2 AFDs 3
    Weight loss 7/10LBS Emergency Fund £2000/£10,000
    Dining room fund £
    • Seasidegal58
    • By Seasidegal58 8th Apr 18, 8:09 PM
    • 1,861 Posts
    • 11,304 Thanks
    Seasidegal58
    If Mr SA manages to get his pester spray tan make sure he takes off the cycling goggles first or it won't be a good facial look!

    You've organised your lunches for the week so not so disorganised after all!

    Re bookcase - if you needed it anyway at least you've got it discounted and saved some cash. Sometimes on certain things you really want you can wait too long and find that they've completely disappeared from sale! You'll get back on track.

    Have a good evening.
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 22/04/2018: £575.01
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    • Sun Addict
    • By Sun Addict 8th Apr 18, 8:25 PM
    • 5,602 Posts
    • 36,130 Thanks
    Sun Addict
    Thanks SSG - yes I was going to buy that particular one anyway at some stage. LOL to the goggles/spray tan scenario

    I need to build up a fund to cover things I want being in a sale.

    Actually I need to win the Lotto
    Virtual Sealed Pot 2018 £250.33
    Debt £2572.50
    April NSDs 2 AFDs 3
    Weight loss 7/10LBS Emergency Fund £2000/£10,000
    Dining room fund £
    • mummytogirls
    • By mummytogirls 8th Apr 18, 8:33 PM
    • 6,159 Posts
    • 22,460 Thanks
    mummytogirls
    Can't believe what I'm reading SA.... spray tan has he had one before?! xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £5419.83 - 08/04/18 - 76.61% paid off
    • beanielou
    • By beanielou 8th Apr 18, 8:45 PM
    • 52,761 Posts
    • 207,317 Thanks
    beanielou
    A spray tan

    Good work on the bookcase~~just a wee bit earlier than planned.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 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.
    • Seasidegal58
    • By Seasidegal58 8th Apr 18, 8:51 PM
    • 1,861 Posts
    • 11,304 Thanks
    Seasidegal58
    Thinking of Mr SA and the spray tan - visions of Ross in that "Friends' episode when he got one.........
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 22/04/2018: £575.01
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    • Sun Addict
    • By Sun Addict 8th Apr 18, 8:53 PM
    • 5,602 Posts
    • 36,130 Thanks
    Sun Addict
    He's never had a spray tan before MTG. Another smile is he said to me it's alright for you you're half Indian - I'm not, I just have light olive skin inherited from my dad who looked Italian but wasn't
    Virtual Sealed Pot 2018 £250.33
    Debt £2572.50
    April NSDs 2 AFDs 3
    Weight loss 7/10LBS Emergency Fund £2000/£10,000
    Dining room fund £
    • Cumbria lass
    • By Cumbria lass 8th Apr 18, 8:58 PM
    • 1,683 Posts
    • 9,921 Thanks
    Cumbria lass
    Oh god love Mr SA . I can't fail to smile at his spray tan , he wants to look good when he gets on his hols !

    Bookcases are very much needed if you have as many books as I do.

    Have a good week
    CC1 £3655 April 2018.
    • WannabeFree
    • By WannabeFree 8th Apr 18, 9:20 PM
    • 1,410 Posts
    • 11,755 Thanks
    WannabeFree
    Hope you've had a lovely day

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • mummytogirls
    • By mummytogirls 8th Apr 18, 9:21 PM
    • 6,159 Posts
    • 22,460 Thanks
    mummytogirls
    Half Indian , he cracks me up!!!

    Brilliant news on the bookcase too, sometimes we have to do these things to get the best deal xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £5419.83 - 08/04/18 - 76.61% paid off
    • UncannyScot
    • By UncannyScot 8th Apr 18, 9:28 PM
    • 1,371 Posts
    • 7,616 Thanks
    UncannyScot
    Just as you can never have too many books you can never have too many bookcases

    Think I will need to get another bookcase myself... local charity shops have been turning up some volumes that I have been looking for lately and at this rate I shall be needing it real soon
    BUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
    It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
    R.I.P. T.P.
    • Cherryfudge
    • By Cherryfudge 8th Apr 18, 9:43 PM
    • 1,618 Posts
    • 8,561 Thanks
    Cherryfudge
    There's a quotation somewhere about raising a family whose idea of decorating is to add another bookshelf. That's my ideal!

    US, have you been to Oxfam's online shop? They have loads of books including unusual ones. I think they put the best from all their charity shops online so they'll reach a wider market.
    MFW #30 Paid off £1270/£3770 as of April 2018
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 8th Apr 18, 9:53 PM
    • 3,893 Posts
    • 25,954 Thanks
    HairyHandofDartmoor
    Thinking of Mr SA and the spray tan - visions of Ross in that "Friends' episode when he got one.........
    Originally posted by Seasidegal58


    He's never had a spray tan before MTG. Another smile is he said to me it's alright for you you're half Indian - I'm not, I just have light olive skin inherited from my dad who looked Italian but wasn't
    Originally posted by Sun Addict
    Mr SA is amazing .

    The bookcase sounds like a good buy.
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund. Then save up for repairs to the house.
    Emergency Fund 1 = £530/Emergency Fund 2 = £0/Loss of Income Fund £0
    • Sun Addict
    • By Sun Addict 9th Apr 18, 9:02 PM
    • 5,602 Posts
    • 36,130 Thanks
    Sun Addict
    Today started as it meant to go on with the dog being sick twice (luckily not much) and Mr SA dropping his tablets on the bedroom floor - I had to retrieve them from under the bed.

    Later on this morning Mr SA rang to say he'd had a fall on the park and someone had to help him back on his scooter.

    Then got a phone call from the floor place to say the fitters wouldn't be able to fit the flooring without boarding out the floor first as removing the old floor had revealed floorboards in a bad state. I wasn't surprised to be honest. Anyway this will add £260 to the cost, although it still comes out cheaper than I was expecting.

    After doing some calculations, what with the overspend on the cc, buying the bookcase and the extra floor expense I'm going to struggle to pay off the cc at the end of the month. I've kept my old Barclaycard account open, although not used it in a while and they keep sending me 0% offers. So I've decided to do a balance transfer to cover it all and pay it off when the pension money comes through. I could take it out of savings but don't want to leave myself without a safety net. Will mull it over for tonight but think it's the best option. Then I really must get a grip on myself and stick to a budget!

    Went to the gym at lunchtime plus today is AFD 3 of April.
    Virtual Sealed Pot 2018 £250.33
    Debt £2572.50
    April NSDs 2 AFDs 3
    Weight loss 7/10LBS Emergency Fund £2000/£10,000
    Dining room fund £
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 9th Apr 18, 9:07 PM
    • 3,893 Posts
    • 25,954 Thanks
    HairyHandofDartmoor
    As long as it's paid off soon it won't hurt and will save you paying interest. It'll be lovely to have the floor done .

    Hope Mr SA is okay after his fall.
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund. Then save up for repairs to the house.
    Emergency Fund 1 = £530/Emergency Fund 2 = £0/Loss of Income Fund £0
    • beanielou
    • By beanielou 9th Apr 18, 9:12 PM
    • 52,761 Posts
    • 207,317 Thanks
    beanielou
    As long as it's paid off soon it won't hurt and will save you paying interest. It'll be lovely to have the floor done .

    Hope Mr SA is okay after his fall.
    Originally posted by HairyHandofDartmoor
    Seconded by me.
    Any news on the pension?
    A friend is waiting for theirs to be sorted out & it is taking an auful long time
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 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.
    • Sun Addict
    • By Sun Addict 10th Apr 18, 5:41 PM
    • 5,602 Posts
    • 36,130 Thanks
    Sun Addict
    It's all been accepted Beanie but suspect it may be later in the year as the closing date to make your mind up was May. It annoys me because if it was me owing them money they'd want it straightaway. The 0% interest would be until April 2019 so surely it will be through by then, in the meantime I could chip away at it.
    Virtual Sealed Pot 2018 £250.33
    Debt £2572.50
    April NSDs 2 AFDs 3
    Weight loss 7/10LBS Emergency Fund £2000/£10,000
    Dining room fund £
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