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  • FIRST POST
    • Lilith1980
    • By Lilith1980 28th Jan 18, 11:56 AM
    • 2,011Posts
    • 5,866Thanks
    Lilith1980
    Let's do this!
    • #1
    • 28th Jan 18, 11:56 AM
    Let's do this! 28th Jan 18 at 11:56 AM
    Hi everyone

    I've been a member on the forums for some years, but not been active for a long time. I really want to get myself out of debt and feel that keeping a diary will keep me accountable so I came over here

    My debt has accrued since my 20s where I think I bought things to fill a void without being able to pay them back. I've been a bit of a "I need to have it now otherwise I'll never be able to have it!" type person. It's only recently (I'm now 37!) that I've been able to give myself a talking to and say if I don't have the spare cash then it can't go on my cards. I'm spending far too much on minimum payments which could go towards holidays and treats etc.

    Dealing with my debt has also been difficult as I've been a been a student for about eight years so paying the fees has come first, although for my latest (and final!) course I had to pay for some of the fees on my credit card. Not ideal by any means but the career opportunities and salary will enable me to pay off more towards my debts.

    I'm studying a doctorate and will be doing my viva in March 2018. A few months' ago I got a new job on the understanding that I would be qualifying in my profession shortly. Once my viva is passed (assuming I don't totally botch it!) I'll be qualified and my salary will increase to a level where I can pay £200-£200 per month extra off of my debts.

    But it's not just the salary increase which will help. My whole mindset has to change and I hope that by keeping this diary it will help motivate me to keep going and wipe this debt off for good! I'll post my numbers in the next post.

    I look forward to "meeting" you all. Please feel free to chip in with money saving ideas or other ways to reduce debt as I'm aware there are wiser souls here than myself
    My debt-free diary
Page 25
    • Cumbria lass
    • By Cumbria lass 6th Jan 19, 8:52 AM
    • 2,879 Posts
    • 18,526 Thanks
    Cumbria lass
    Harry Potter world I hope you enjoy that .

    I am glad to hear that you are doing well with your clients. Hubby will pick up work eventually, especially if his previous clients pass on how successful he was with them,

    Have a good Sunday , a walk with the pooch maybe .
    CC1 £2980 Feb 2019.
    • Lilith1980
    • By Lilith1980 6th Jan 19, 8:53 AM
    • 2,011 Posts
    • 5,866 Thanks
    Lilith1980
    Harry Potter world I hope you enjoy that .

    I am glad to hear that you are doing well with your clients. Hubby will pick up work eventually, especially if his previous clients pass on how successful he was with them,

    Have a good Sunday , a walk with the pooch maybe .
    Originally posted by Cumbria lass
    Thanks Cumbria

    Looking a bit dark and murky today, but we'll get the pooch out as it only bothers her if it's raining
    My debt-free diary
    • Seasidegal58
    • By Seasidegal58 6th Jan 19, 11:35 AM
    • 2,770 Posts
    • 17,495 Thanks
    Seasidegal58
    Belated happy new year Lilith and well done for surviving The Spectre At The Feast over Christmas!

    Wishing you all the best for 2019 and a prosperous business year for both you and your OH.
    SSG x
    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!”
    • Lilith1980
    • By Lilith1980 6th Jan 19, 12:15 PM
    • 2,011 Posts
    • 5,866 Thanks
    Lilith1980
    Belated happy new year Lilith and well done for surviving The Spectre At The Feast over Christmas!

    Wishing you all the best for 2019 and a prosperous business year for both you and your OH.
    SSG x
    Originally posted by Seasidegal58
    Ha ha, I love 'The Spectre At The Feast over Christmas'

    And to you, SSG x
    My debt-free diary
    • Lilith1980
    • By Lilith1980 11th Jan 19, 9:16 PM
    • 2,011 Posts
    • 5,866 Thanks
    Lilith1980
    It's been a busy week and I think probably more stressful than I thought. I had a migraine last night...not had one for over a year, and I do think they're linked to my stress levels. Felt pretty rough this morning but went to work and felt better as the day went on.

    Heading to London for 4 days on Sunday as I'm going on a training course, so I'm going to Aldi to buy bits to take with me for lunches. I'm going to have to spend money in the evenings on eating out so I hope I can find somewhere cheap to go. It'll be good to do some learning, but I'm going to miss my husband and the pooch
    My debt-free diary
    • Cumbria lass
    • By Cumbria lass 11th Jan 19, 9:24 PM
    • 2,879 Posts
    • 18,526 Thanks
    Cumbria lass
    I love London but maybe not if I was working. Hope the trip is ok and doesn't cause you more stress. Here is to a good nights sleep .
    CC1 £2980 Feb 2019.
    • Lilith1980
    • By Lilith1980 11th Jan 19, 9:26 PM
    • 2,011 Posts
    • 5,866 Thanks
    Lilith1980
    I love London but maybe not if I was working. Hope the trip is ok and doesn't cause you more stress. Here is to a good nights sleep .
    Originally posted by Cumbria lass
    Thanks Cumbria. The fact I'll be in a hotel and not rushing around doing other things for a few days might actually do me good
    My debt-free diary
    • Cumbria lass
    • By Cumbria lass 11th Jan 19, 9:27 PM
    • 2,879 Posts
    • 18,526 Thanks
    Cumbria lass
    Yep I hadn't thought of it like that you are probably right. Have a good trip.
    CC1 £2980 Feb 2019.
    • Seasidegal58
    • By Seasidegal58 12th Jan 19, 8:59 PM
    • 2,770 Posts
    • 17,495 Thanks
    Seasidegal58
    London can be very expensive to eat out but at least there are plenty of chain restaurants there to take your pick of.

    I hope you have a good trip Lilith and enjoy your course.
    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!”
    • Lilith1980
    • By Lilith1980 12th Jan 19, 9:40 PM
    • 2,011 Posts
    • 5,866 Thanks
    Lilith1980
    London can be very expensive to eat out but at least there are plenty of chain restaurants there to take your pick of.

    I hope you have a good trip Lilith and enjoy your course.
    Originally posted by Seasidegal58
    Thanks SSG! I've scoped out some places near the hotel which are quite reasonable. I'm going to keep my receipts in case I can claim any of it back from work. Will pack tomorrow morning and go out walking with hubby and the pooch. Train isn't 'til around 5pm.
    My debt-free diary
    • Seasidegal58
    • By Seasidegal58 17th Jan 19, 7:55 PM
    • 2,770 Posts
    • 17,495 Thanks
    Seasidegal58
    I hope you had a good, interesting trip Lilith and prices in London weren't too bad!
    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!”
    • Lilith1980
    • By Lilith1980 17th Jan 19, 7:58 PM
    • 2,011 Posts
    • 5,866 Thanks
    Lilith1980
    Thanks SSG! Got back a couple of hours ago. The course was very intense and although I managed to get 7-8 hours' sleep each night (not normal for me!) I was still knackered! Lovely to be back with hubby and pooch, as there's only so long I can be alone in a hotel!

    I didn't spend too much as breakfast was included in the hotel, and the training course provided lunch. A colleague told me I could claim up to £10 back for my dinners so I'll be doing that!
    My debt-free diary
    • Seasidegal58
    • By Seasidegal58 17th Jan 19, 8:02 PM
    • 2,770 Posts
    • 17,495 Thanks
    Seasidegal58
    You're right about hotels - I'm always glad to get home even though I've enjoyed myself whilst away.

    Good news too on reclaiming the cash!
    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!”
    • Lilith1980
    • By Lilith1980 17th Jan 19, 8:03 PM
    • 2,011 Posts
    • 5,866 Thanks
    Lilith1980
    Thanks SSG! Yes I thought it was going to leave me pretty out of pocket, but it doesn't seem that way which is a relief. However, I'm going to treat hubby and I to a takeaway at the weekend
    My debt-free diary
    • Cumbria lass
    • By Cumbria lass 17th Jan 19, 8:48 PM
    • 2,879 Posts
    • 18,526 Thanks
    Cumbria lass
    Thanks SSG! Got back a couple of hours ago. The course was very intense and although I managed to get 7-8 hours' sleep each night (not normal for me!) I was still knackered! Lovely to be back with hubby and pooch, as there's only so long I can be alone in a hotel!

    I didn't spend too much as breakfast was included in the hotel, and the training course provided lunch. A colleague told me I could claim up to £10 back for my dinners so I'll be doing that!
    Originally posted by Lilith1980
    Glad to hear all went well on your trip. Nothing like your own bed , DH and a pooch to come home to. Enjoy your weekend .
    CC1 £2980 Feb 2019.
    • Lilith1980
    • By Lilith1980 17th Jan 19, 8:56 PM
    • 2,011 Posts
    • 5,866 Thanks
    Lilith1980
    Glad to hear all went well on your trip. Nothing like your own bed , DH and a pooch to come home to. Enjoy your weekend .
    Originally posted by Cumbria lass
    Thanks Cumbria
    My debt-free diary
    • beanielou
    • By beanielou 17th Jan 19, 10:15 PM
    • 61,827 Posts
    • 265,002 Thanks
    beanielou
    Glad all went well
    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.***
    • Lilith1980
    • By Lilith1980 18th Jan 19, 5:03 AM
    • 2,011 Posts
    • 5,866 Thanks
    Lilith1980
    Glad all went well
    Originally posted by beanielou
    Thanks Beanie
    My debt-free diary
    • Lilith1980
    • By Lilith1980 28th Jan 19, 6:16 AM
    • 2,011 Posts
    • 5,866 Thanks
    Lilith1980
    Did the food shop at Aldi over the weekend. Wasn't as torturous as I expected! I don't think I'll ever like doing the monthly shop, but it saves us so much money to go there rather than home delivery from Tesco.

    Hubby's mum's dog passed away Saturday evening. He was only seven; he had cancer Hubby is concerned that this may set his mum back as the pooch was great company for her. I think she feels a mixture of emotions, but one is relief as pooch lived well beyond the time he was meant to. There's nothing you can really say in those situations.

    I know it's only late-January, but I'm counting down to our holiday in March already lol.
    My debt-free diary
    • Seasidegal58
    • By Seasidegal58 28th Jan 19, 9:04 PM
    • 2,770 Posts
    • 17,495 Thanks
    Seasidegal58
    Sorry to hear the news of your MIL's dog Lilith. It's so sad when you lose a pet.
    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!”
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