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  • FIRST POST
    • Sun Addict
    • By Sun Addict 27th Jan 18, 9:50 PM
    • 6,882Posts
    • 49,521Thanks
    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 2019 £172.77
    Weight loss 6/9LBS
    Emergency Fund £3260/£10,000
Page 96
    • Sun Addict
    • By Sun Addict 13th Jan 19, 4:43 PM
    • 6,882 Posts
    • 49,521 Thanks
    Sun Addict
    Here we go again, the weekend's rapidly disappearing.

    Have been really busy today, went to Aldi this morning, spent a bit more than I planned (as usual) but have plenty of food for the week ahead. Things will be tight from now until the end of the month but still do-able. Have spent what seems like hours cooking but now have a batch of spicy lentil soup for work lunches, 6 portions of veggie lasagne and 2 portions of fish pie - all WW recipes of course

    Have done my finances so here are the "scores on the doors":

    Debt £1570.00 - doubt any more will be paid off until payday now
    VSP £82.00 - £5.73 in this week making a total of £26.02 so far for January
    Emergency fund £3266.50 - this has gone down as I've had to take £344 for the fridge freezer out plus the £395 vet bill money that I've kept shuffling about for a few months. Once the debt has been paid off I can start building it back up again
    Holiday balance £1034 - again will pay some off on payday
    Tesco card £0 - paid off the balance today

    I'm really pleased that I'm still keeping a track of what I spend and next month should be better cash flow wise. I really need to keep this up, having targets is helping.

    Hope everyone has had a lovely weekend
    Virtual Sealed Pot 2019 £172.77
    Weight loss 6/9LBS
    Emergency Fund £3260/£10,000
    • beanielou
    • By beanielou 13th Jan 19, 5:34 PM
    • 61,874 Posts
    • 265,204 Thanks
    beanielou
    Still an awesome emmergency fund
    Mine is about a fiver
    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.***
    • Sun Addict
    • By Sun Addict 13th Jan 19, 6:48 PM
    • 6,882 Posts
    • 49,521 Thanks
    Sun Addict
    Mine should be a LOT more than that though Beanie. They say 3-6 months expenses, nowhere near at the moment.
    Virtual Sealed Pot 2019 £172.77
    Weight loss 6/9LBS
    Emergency Fund £3260/£10,000
    • beanielou
    • By beanielou 13th Jan 19, 7:10 PM
    • 61,874 Posts
    • 265,204 Thanks
    beanielou
    Mine should be a LOT more than that though Beanie. They say 3-6 months expenses, nowhere near at the moment.
    Originally posted by Sun Addict
    I am doomed then
    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.***
    • Sun Addict
    • By Sun Addict 13th Jan 19, 7:46 PM
    • 6,882 Posts
    • 49,521 Thanks
    Sun Addict
    Smile for the day - watching Dancing on Ice - Mr SA has yet again suggested we go ice skating

    I don't even want to think about it
    Virtual Sealed Pot 2019 £172.77
    Weight loss 6/9LBS
    Emergency Fund £3260/£10,000
    • WannabeFree
    • By WannabeFree 13th Jan 19, 7:48 PM
    • 3,386 Posts
    • 31,456 Thanks
    WannabeFree
    If you go you need to get it on video for us SA

    I can't even imagine what you say back to his suggestions at times

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”

    POAMAYC 19 #70 £1561/£2070
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 13th Jan 19, 7:56 PM
    • 9,583 Posts
    • 59,590 Thanks
    please-let-me-be-lucky
    Smile for the day - watching Dancing on Ice - Mr SA has yet again suggested we go ice skating

    I don't even want to think about it
    Originally posted by Sun Addict
    Heh heh, Mr Lucky said the same. I said sure no problem, I’ll just phone ahead to the hospital and let them know we’ll be needing a couple of beds in A&E Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    Best win so far - holiday to Florida
    • Sun Addict
    • By Sun Addict 13th Jan 19, 8:00 PM
    • 6,882 Posts
    • 49,521 Thanks
    Sun Addict
    It just goes in one ear and out of the other Wannabe

    I used to go ice skating when I was young, every Saturday. I even have an ice skating blade shaped scar on my finger from when I fell and someone skated into it. Ugh the blood There is no way I'd do it now though.
    Virtual Sealed Pot 2019 £172.77
    Weight loss 6/9LBS
    Emergency Fund £3260/£10,000
    • Sun Addict
    • By Sun Addict 13th Jan 19, 8:01 PM
    • 6,882 Posts
    • 49,521 Thanks
    Sun Addict
    LOL just seen your post Lucky
    Virtual Sealed Pot 2019 £172.77
    Weight loss 6/9LBS
    Emergency Fund £3260/£10,000
    • Buffythedebtslayer
    • By Buffythedebtslayer 13th Jan 19, 8:37 PM
    • 15,502 Posts
    • 52,535 Thanks
    Buffythedebtslayer
    Here we go again, the weekend's rapidly disappearing.

    Have been really busy today, went to Aldi this morning, spent a bit more than I planned (as usual) but have plenty of food for the week ahead. Things will be tight from now until the end of the month but still do-able. Have spent what seems like hours cooking but now have a batch of spicy lentil soup for work lunches, 6 portions of veggie lasagne and 2 portions of fish pie - all WW recipes of course

    Have done my finances so here are the "scores on the doors":

    Debt £1570.00 - doubt any more will be paid off until payday now
    VSP £82.00 - £5.73 in this week making a total of £26.02 so far for January
    Emergency fund £3266.50 - this has gone down as I've had to take £344 for the fridge freezer out plus the £395 vet bill money that I've kept shuffling about for a few months. Once the debt has been paid off I can start building it back up again
    Holiday balance £1034 - again will pay some off on payday
    Tesco card £0 - paid off the balance today

    I'm really pleased that I'm still keeping a track of what I spend and next month should be better cash flow wise. I really need to keep this up, having targets is helping.

    Hope everyone has had a lovely weekend
    Originally posted by Sun Addict
    I am SO impressed you don't just pay off the debt and the holiday with your emergency fund. You are really sticking to the system. how did I get in debt twice more after the first hellish time? I needed money in an emergency of some description. And I borrowed it. Even when I had one I used to pay off part of the debt which left me up a creek when the car went wrong. And I have never caught up with myself.

    Still an awesome emmergency fund
    Mine is about a fiver
    Originally posted by beanielou
    Mine is a think about 200 quid... So I could manage a fortnight!
    Sealed Pot 12 - 008, 365, 1p a day, 1%, 100 days, Saving to be out of debt!
    • Sun Addict
    • By Sun Addict 13th Jan 19, 8:44 PM
    • 6,882 Posts
    • 49,521 Thanks
    Sun Addict
    I'm scared to let go of it Buffster. The cc is 0% until end March, the holiday is budgeted for and will be paid off.

    I've paid off the debt twice now, this is my third time - I don't think I'll ever learn but I am trying as hard as I can.
    Virtual Sealed Pot 2019 £172.77
    Weight loss 6/9LBS
    Emergency Fund £3260/£10,000
    • WannabeFree
    • By WannabeFree 13th Jan 19, 8:49 PM
    • 3,386 Posts
    • 31,456 Thanks
    WannabeFree
    I think you do amazing SA

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”

    POAMAYC 19 #70 £1561/£2070
    • Buffythedebtslayer
    • By Buffythedebtslayer 13th Jan 19, 9:05 PM
    • 15,502 Posts
    • 52,535 Thanks
    Buffythedebtslayer
    I'm scared to let go of it Buffster. The cc is 0% until end March, the holiday is budgeted for and will be paid off.

    I've paid off the debt twice now, this is my third time - I don't think I'll ever learn but I am trying as hard as I can.
    Originally posted by Sun Addict
    I need to get into that mind set. And this is also my third time. And I could easily do it again.

    I think you do amazing SA

    x
    Originally posted by WannabeFree
    Also agree with this XXX
    Sealed Pot 12 - 008, 365, 1p a day, 1%, 100 days, Saving to be out of debt!
    • Seasidegal58
    • By Seasidegal58 13th Jan 19, 9:15 PM
    • 2,771 Posts
    • 17,516 Thanks
    Seasidegal58
    Congrats on the CC payment!. And echoing everyone re the emergency fund! Over £3000 is not to be sniffed at and will cover you for most household emergencies - as you have found out via the fridge and the vet. It's enough to give you peace of mind till you pay off the debt. And well done on having the holiday savings as well.

    Re Mr SA and the ice skating - I think you would be better off with the dog as your partner!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 17/03/2019 - £2,448.68
    MONTHS TO RETIREMENT: 25
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    • Sun Addict
    • By Sun Addict 14th Jan 19, 7:35 PM
    • 6,882 Posts
    • 49,521 Thanks
    Sun Addict
    That's Monday done

    Done 21,000 steps today which included a 20 minute run on the treadmill at lunchtime. I've started a 30 day abs challenge via an app, it only takes a few minutes so no excuse.

    Tonight is AFD 4/12, got tonic minus the gin - boo hiss

    I've had my excema flare up on my face of all places, it's really sore and itchy. Had to buy some cream on the way home from work Hopefully I can nip it in the bud before it spreads.
    Virtual Sealed Pot 2019 £172.77
    Weight loss 6/9LBS
    Emergency Fund £3260/£10,000
    • beanielou
    • By beanielou 14th Jan 19, 8:08 PM
    • 61,874 Posts
    • 265,204 Thanks
    beanielou
    Tonic without gin

    Hope your excema settles down really soon xx
    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.***
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 14th Jan 19, 8:27 PM
    • 8,419 Posts
    • 64,993 Thanks
    HairyHandofDartmoor
    Forgot to say, I found out today I can officially retire on 23 January 2027. Last time I checked it was September 2026 The goalposts are forever moving.
    Originally posted by Sun Addict
    How annoying .

    Smile for the day - watching Dancing on Ice - Mr SA has yet again suggested we go ice skating

    I don't even want to think about it
    Originally posted by Sun Addict
    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.
    EMERGENCY FUND £2,000
    "Tough times never last, but tough people do" - Robert H Schuller
    • milann
    • By milann 14th Jan 19, 11:34 PM
    • 2,345 Posts
    • 12,515 Thanks
    milann
    Mr SA on ice skates

    You really have done so well on the finance front - I’m surprised you don’t hit the shops spending with stress.....that’s how I got myself into a mess and learned the hard way
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 15th Jan 19, 11:12 AM
    • 9,583 Posts
    • 59,590 Thanks
    please-let-me-be-lucky
    Hope your face is better today Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    Best win so far - holiday to Florida
    • Sun Addict
    • By Sun Addict 15th Jan 19, 8:27 PM
    • 6,882 Posts
    • 49,521 Thanks
    Sun Addict
    That's Tuesday done

    Excema less sore today after drenching it in Epiderm last night. The doctor told me last time I had a flare up to get as much moisture into my skin as possible when this happens.

    There's always something! At least Mr SA's man flu has gone.

    AFD 5/12 tonight. Got another tonic minus the gin - it'll never catch on

    Done just over 21,000 steps today and an hour's yoga. Did day 2 of my ab challenge at home on the bedroom floor but was hampered by my dog licking my face!

    Should've caught up with my overspend of points by tomorrow, currently on minus 1

    Bought some Xmas wrapping paper and crackers from M&S 75% off Just need to find somewhere safe to put them so I forget where they are come Xmas.

    Mr SA is making us watch a TV programme about ambulances as if we haven't seen enough of them in recent years!
    Virtual Sealed Pot 2019 £172.77
    Weight loss 6/9LBS
    Emergency Fund £3260/£10,000
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