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  • FIRST POST
    • Onebrokelady
    • By Onebrokelady 31st Jan 18, 12:15 AM
    • 373Posts
    • 1,010Thanks
    Onebrokelady
    My journey to a debt free life
    • #1
    • 31st Jan 18, 12:15 AM
    My journey to a debt free life 31st Jan 18 at 12:15 AM
    Well Iíve been reading everyoneís diaryís and thought itís such a good idea I would start one myself,Iím hoping to use it as a way to record my journey to freedom from debt and also to have somewhere to come and just offload stuff
    My financial meltdown happened two weeks ago when I realised I just canít afford to pay my debts off properly,Iím sinking under the strain and jut adding more and more onto the total because itís just not sustainable. I came here and was given some brilliant advice then I went away and procrastinated for a week while pooping myself some more about what I am about to do I finally got my !!!! in gear this week and started the ball rollin by registering on the SC site and partially filling out the budget form,I then came unstuck because some of the info wasnít to hand,Iíve now sorted that and can proceed with finishing the budget form which I am doing tomorrow,by the end of this week I want to have contacted SC and set the ball rolling to set up a DMP.
    I then had problems with my online account for one of my creditors but I sorted that out this morning whilst also finding out exactly what I owe them,it was actually not as much as I thought but still too much so swings and roundabouts !!!128522; actually sorting that out today took me ten minutes but itís taken me days to do it,I just get overwhelmed and put stuff off then before I know it another week has gone by and nothing has changed. Still Iíve done what I set out to do today and tomorrow is budget form day then I will see where I go from there
    In other news I changed my phone provider on Saturday so now have a sim only deal for £9 a month instead of £20.02 plus I cancelled the insurance at £6 a month,Iíve also paid for the phone now too so there is a small saving,two weeks ago my phone contract was costing me £35 so Iím quite pleased with this new deal.
    Ok I think thatís enough waffling for one day and I need to try and get some sleep,letís see what tomorrow brings
Page 3
    • Cherryfudge
    • By Cherryfudge 7th Feb 18, 10:39 AM
    • 1,763 Posts
    • 9,646 Thanks
    Cherryfudge
    Love your plans, especially the garden. I didn't have any time/energy for mine last year and this year is likely to be the same unless I plan really carefully! Someone (Alan Titchmarsh?) recommended keeping the metre or so around the front door looking good if you can't do anything else so maybe that's what I should aim for! I am also hoping that if I get the chickens I can feed them the (safe) weeds and in return get some good compost.

    Passwords: I know they say not to write them down but I do and as to losing the paper, oh yes! Been there, done that! In the end I got a notebook and wrote down what each site is with a key to the password, and try not to have too many passwords. That works for me until I lose the book . Most of the time it's easier to find than a paper.

    I look forward to hearing about your progress with the cross stitch (what's the Hobbit quotation?) and dolls' house. I have my old dolls' house which my Dad made for me and hope to bring it back to its former glory sometime this year.
    • ploppy57
    • By ploppy57 7th Feb 18, 11:11 AM
    • 725 Posts
    • 4,656 Thanks
    ploppy57
    Tip for passwords as I am always forgetting..... I got a small note book to write them in, but I make sure all passwords are numbers that mean something, but put them in a code that won't mean anything to anyone else....for example instead of writing the actual numbers, I would write...." EGSDOB"....meaning eldest grandson date of birth or I'd draw a heart which stands for our wedding anniversary date. So far it seems to work.
    DMP March '15 £57,549. Now £44,226. 23% paid. Went SM Feb '18 to get DF sooner.
    Emergency fund #231... £1500.
    Christmas '18 challenge... £300 /£300
    "There's a Great Big Beautiful Tomorrow, Shining at the end of every day"
    • Onebrokelady
    • By Onebrokelady 7th Feb 18, 3:29 PM
    • 373 Posts
    • 1,010 Thanks
    Onebrokelady
    Love your plans, especially the garden. I didn't have any time/energy for mine last year and this year is likely to be the same unless I plan really carefully! Someone (Alan Titchmarsh?) recommended keeping the metre or so around the front door looking good if you can't do anything else so maybe that's what I should aim for! I am also hoping that if I get the chickens I can feed them the (safe) weeds and in return get some good compost.

    Passwords: I know they say not to write them down but I do and as to losing the paper, oh yes! Been there, done that! In the end I got a notebook and wrote down what each site is with a key to the password, and try not to have too many passwords. That works for me until I lose the book . Most of the time it's easier to find than a paper.

    I look forward to hearing about your progress with the cross stitch (what's the Hobbit quotation?) and dolls' house. I have my old dolls' house which my Dad made for me and hope to bring it back to its former glory sometime this year.
    Originally posted by Cherryfudge
    Lol the metre of garden nearest to my front door is the messiest bit,chicken poop is the best food for your garden but you need to let it mature and mix it with other stuff because used neat itís too strong and will burn your plants,I chuxk mine in the compost bin with everything else and it just rots down in there,I also save all my cleared leaves to make leafmould as this is like liquid gold in the garden
    I have the same password for nearly everything apart from this card account Iím still thinking itís just the number on the credit card as my other two are the same number
    The quote is ďEven the smallest person can change the course of the futureĒ my Son in law found it online
    Just keep swimming
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £770.00 Total Now Owed = £16,860
    Emergency Fund = £400.00 Xmas savings = £250.00
    • Cherryfudge
    • By Cherryfudge 7th Feb 18, 3:38 PM
    • 1,763 Posts
    • 9,646 Thanks
    Cherryfudge
    Great line, that!

    I will bear in mind about not burning my plants! I've three compost bins on the go so I will muck out the chickens in that direction - and it might help me be a bit more attentive to the poor bins, which are watered irregularly and turned once in a blue moon.
    • Onebrokelady
    • By Onebrokelady 7th Feb 18, 4:15 PM
    • 373 Posts
    • 1,010 Thanks
    Onebrokelady
    Great line, that!

    I will bear in mind about not burning my plants! I've three compost bins on the go so I will muck out the chickens in that direction - and it might help me be a bit more attentive to the poor bins, which are watered irregularly and turned once in a blue moon.
    Originally posted by Cherryfudge
    My poor compost bin is also neglected but it does seem to turn out ok despite the neglect,I think adding chicken poop acts as an accelerating agent and thatís why I get away with it,mine gets wartered when I forget to put the lid back on and itís rains :rotfl
    Just keep swimming
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £770.00 Total Now Owed = £16,860
    Emergency Fund = £400.00 Xmas savings = £250.00
    • Onebrokelady
    • By Onebrokelady 7th Feb 18, 4:35 PM
    • 373 Posts
    • 1,010 Thanks
    Onebrokelady
    Iíve had another productive day today, The paperwork from SC arrived and I immediately started shaking and hyperventilating again (hopefully this will stop at some point) I had a good read of the pack and have now signed the plan and just need to get the info together to send back to them,Iím hoping I will feel well enough to go into town tomorrow so I can post it back
    I spent quite a lot of today rearranging more direct debits so the big ones are done
    Mortgage
    Rent
    Council tax
    Water company
    My energy company doesnít appear to have the facility to change your DD online so I will need to phone them tomorrow
    The virgin account is inaccessible because I canít remember my details
    The RCN has no facility to change details online so I just cancelled them,Iím sure they will be in touch to get me to rejoin
    Lottery is cancelled
    Netflix is a card payment so I am just going to cancel that
    So all in all a good days work,everyone is home now so I canít do anymore today and I could do with a break so will sort the rest tomorrow,Iím hoping my new debit card will arrive tomorrow so I can register for online banking with my new account
    Iíve also done done some more washing and tidied the house the dogs been out and the chickens have been let out to have a run round the garden
    Iím still not feeling very well but I am better than i was yesterday,I just hope this cough doesnít turn into anything sinister,I had pleurisy a few years ago and whenever I get a cough Iím terrified it will come back,it was incredibly painful,if I carry on recovering at this rate I should be able to go back to work on Friday which will be a relief as Iím going to be in trouble for being off today and Monday afternoon,you would think the NHS would cut you some slack but they are awful if you need time off and I have been on some form of sickness monitoring for years because of chronic pain,I dread getting ill because I canít have time off without being hassled about it
    Just keep swimming
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £770.00 Total Now Owed = £16,860
    Emergency Fund = £400.00 Xmas savings = £250.00
    • ploppy57
    • By ploppy57 7th Feb 18, 4:46 PM
    • 725 Posts
    • 4,656 Thanks
    ploppy57
    Glad to hear you are feeling slightly better. I had pneumonia in 2012 and every time I get a cough I worry about that as well, so I can sympathise with how you feel. Be careful going back to work too soon though. I know they hassle you, but you need to recover properly or you will be ill again. Plus you are spreading the virus to everybody else....Take care
    DMP March '15 £57,549. Now £44,226. 23% paid. Went SM Feb '18 to get DF sooner.
    Emergency fund #231... £1500.
    Christmas '18 challenge... £300 /£300
    "There's a Great Big Beautiful Tomorrow, Shining at the end of every day"
    • Onebrokelady
    • By Onebrokelady 7th Feb 18, 8:21 PM
    • 373 Posts
    • 1,010 Thanks
    Onebrokelady
    Glad to hear you are feeling slightly better. I had pneumonia in 2012 and every time I get a cough I worry about that as well, so I can sympathise with how you feel. Be careful going back to work too soon though. I know they hassle you, but you need to recover properly or you will be ill again. Plus you are spreading the virus to everybody else....Take care
    Originally posted by ploppy57
    Thanks,I narrowly escaped pneumonia thank god,Im going to see how I am tomorrow afternoon before I decide whether to go back or not,weirdly the NHS dont care about you spreading your bugs which is probably how I ended up like this is the first place,all my colleagues come to work with the bugs unless itsD&V a cold isnt considered grounds for being off unfortunately, they make us have a flu jab as well but this year its not been that effective
    Just keep swimming
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £770.00 Total Now Owed = £16,860
    Emergency Fund = £400.00 Xmas savings = £250.00
    • Onebrokelady
    • By Onebrokelady 8th Feb 18, 10:05 AM
    • 373 Posts
    • 1,010 Thanks
    Onebrokelady
    Woke at 5am this morning coughing away so had a cup of tea and read until I was sleepy again,Iím now up for the second time and Iím trying to decide if I feel any better than yesterday,the cough is worse now but my head feels a bit clearer,Iím going to shower and get dressed then take the dog out to see if this makes me feel,worse or better then decide on a plan of action, then I need to phone work and let them know if I am going to be back or not
    I spent some of last night reading the Debt Free Roll Of Hounour Thread again and Iím now up to page 20,itís a really inspiring read and I noticed lots of people on there had joined the Payment a Day Challenge so I went and checked that out and joined up,Iím starting to see this is something thing I can beat if I put my mind to it and Iím getting quite excited about trying to save money wherever I can
    I want to post the SC paperwork back to them today but this will involve a bus ride to the local post office ,it all depends on whether I decide Iím well enough to go to work tomorrow or not,if not Saturday will be the next time I can get out but I really really really want to post it today,I think if I just worked a normal day I wouldnít be so worried about going back but I work 12 hour shifts in a busy hospital and and itís so warm in there it makes me you feel like crap,Iím also worried about the amount of time off Iíve had and how much trouble Iím going to be in but the thing is if I go back tomorrow and I end up leaving early because I canít handle it that will be classed as a separate sickness episode and will make things worse,so I need to be sure I will last the whole day,Iím going to take some Day Nurse in a minute to see if that helps.
    Iím also going to be chopping up my CCs today and shredding any unwanted paperwork because I have a pile thatís not needed or relevant I think thatís enough to be getting on with
    Just keep swimming
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £770.00 Total Now Owed = £16,860
    Emergency Fund = £400.00 Xmas savings = £250.00
    • Cherryfudge
    • By Cherryfudge 8th Feb 18, 10:23 AM
    • 1,763 Posts
    • 9,646 Thanks
    Cherryfudge
    There are so many excellent threads I could stay up all night reading! Good going on the paperwork, well done. Mine goes in the fireplace - once it's burnt I can't be tempted to think I might want it!

    Hope you feel better soon. It sounds as though an extra day off might be more constructive in the long term but it's never an easy one to judge, is it? How long have you had this cold now? I usually reckon on 4 days to be over the worst but people vary.
    • Onebrokelady
    • By Onebrokelady 8th Feb 18, 11:50 AM
    • 373 Posts
    • 1,010 Thanks
    Onebrokelady
    The cold started on Sunday but I went to work on Monday and lasted until 2pm when I really started to feel Ill shivery and achey so I can home and Ive been like it since then,Im not shivery or achey any more but my chest is very wheezy and breathing results in coughing which is quite painful,Im not sure if Ive got a chest infection or if its just a normal cold that will just go away,I managed to get an appointment with the practice nurse for tomorrow to listen to my chest and if there is anything going on she can get one of the docs to do me a prescription, Ive just phoned work and told them I wont be in tomorrow,I took the dog out round the block and had to keep stopping because I couldnt get my breath,it settling down again now Im at home in the warm,I very rarely go the docs but last time I was like this I left it and ended up with pleurisy which I definitely dont want again,at least if I have a doctors appointment work can see that I was genuinely ill
    I havent got a fire but if I did I would definitely burn my paperwork,I would find that quite therapeutic,I always feel like a dodgy politician when Im shredding stuff
    I!!!8217;m just having a coffee and recovering from taking the dog out then I!!!8217;m on a mission to sort stuff out,at least I can do it all sitting down andseeing as I have to go to the docs to our can post my Stepchange paperwork back then
    Last edited by Onebrokelady; 08-02-2018 at 11:53 AM.
    Just keep swimming
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £770.00 Total Now Owed = £16,860
    Emergency Fund = £400.00 Xmas savings = £250.00
    • Cherryfudge
    • By Cherryfudge 8th Feb 18, 1:09 PM
    • 1,763 Posts
    • 9,646 Thanks
    Cherryfudge
    It really does sound nasty. I'm glad you'e staying in (but also glad you get the chance to post the paperwork).

    I havent got a fire but if I did I would definitely burn my paperwork,I would find that quite therapeutic,I always feel like a dodgy politician when Im shredding stuff
    Originally posted by Onebrokelady
    There are definite advantages to an open fire - I feel like the heroine of a historical novel instead of a dodgy politician.
    • Onebrokelady
    • By Onebrokelady 8th Feb 18, 5:08 PM
    • 373 Posts
    • 1,010 Thanks
    Onebrokelady
    Well I must say Im quite pleased and proud of myself today,I sat down and went through all my paperwork noted down any relevant details in my new finance folder and shredded the lot,I,also chopped up all my CCs so the only bit of plastic I own now is my debit card from my old account which Im hanging onto for a few weeks until I think I dont need it anymore and my new debit card for my new bank account which arrived today,even though I know I still have to pay it all back Im so relieved I dont own any more CCs and never will,those things are evil and I cant be trusted so no more
    I have also checked my SC paperwork is all ready to go and Im taking that to the post office in the morning to be posted
    Ive switched and cancelled all my direct debits now apart from one which is due to be paid on Monday so that will get done then
    I have all my new bank info so,I can now register my online account,Im probably going to do that tomorrow though as Im feeling a bit frazzled now
    Ive checked my old bank account and have money left to draw out for my food shop for the rest of the month, there was £50 left after everything comes out so I paid a payment off that creditors card so that should stop them moaning for a bit,also included in the money Im drawing out tomorrow is enough to add another £45 to my emergency fund,I was going to pay this off the card but panicked in case something unforeseen comes up so Im keeping it instead
    That is all my financial shenanigans for today
    I havent done any of the house work I wanted to do apart from a load of washing because I feel too ill but Im happy with the progress made in other areas today,I wanted to just go and lie down on the sofa and feel sorry for myself but I didntI ploughed on
    Im now trying to decide what to have for my tea as Im hungry but dont fancy anything
    Last edited by Onebrokelady; 08-02-2018 at 6:16 PM.
    Just keep swimming
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £770.00 Total Now Owed = £16,860
    Emergency Fund = £400.00 Xmas savings = £250.00
    • Onebrokelady
    • By Onebrokelady 8th Feb 18, 5:40 PM
    • 373 Posts
    • 1,010 Thanks
    Onebrokelady
    Bonus of the day,Ive just found a veggi lasagne in the freezer so thats tea sorted
    Just keep swimming
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £770.00 Total Now Owed = £16,860
    Emergency Fund = £400.00 Xmas savings = £250.00
    • Cumbria lass
    • By Cumbria lass 8th Feb 18, 5:41 PM
    • 1,916 Posts
    • 11,663 Thanks
    Cumbria lass
    I have read your diary today and think you have started well. I have been ill on and off for 8 weeks with laryngitis and coughing. I also worry about being off work but ended up in hospital this week so really not bothered anymore.

    Hope you feel better soon.
    CC1 £3475 May 2018
    • Onebrokelady
    • By Onebrokelady 8th Feb 18, 6:14 PM
    • 373 Posts
    • 1,010 Thanks
    Onebrokelady
    I have read your diary today and think you have started well. I have been ill on and off for 8 weeks with laryngitis and coughing. I also worry about being off work but ended up in hospital this week so really not bothered anymore.

    Hope you feel better soon.
    Originally posted by Cumbria lass
    Thanks,Iím sorry you have been ill and ended up in hospital that must have been awful,my chest is burning and wheezy so itís definitely not right, I was actually ill the week before this with a nasty D&V bug that took me 5 days to get over then just as that cleared up I got this cold,I think Iím run down and being stressed out is not helping,I donít have to go back to work until Tuesday now so hopefully I will get rid of this bug by then,I taking a vitamin tonic at the moment that is for when you have been run down its usually really good but Iím not sure itís up to the job with this
    Just keep swimming
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £770.00 Total Now Owed = £16,860
    Emergency Fund = £400.00 Xmas savings = £250.00
    • Onebrokelady
    • By Onebrokelady 8th Feb 18, 6:18 PM
    • 373 Posts
    • 1,010 Thanks
    Onebrokelady
    I forgot to put this in my post earlier,but the most exciting thing that happened to day was that my cross stitch supplies arrived so I can start sewing the picture my son in law wants to give to my daughter,I might make a start on it tonight
    Just keep swimming
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £770.00 Total Now Owed = £16,860
    Emergency Fund = £400.00 Xmas savings = £250.00
    • redofromstart
    • By redofromstart 8th Feb 18, 6:43 PM
    • 1,776 Posts
    • 10,818 Thanks
    redofromstart
    onebrokelady and happy new diary
    • Drawingaline
    • By Drawingaline 8th Feb 18, 7:46 PM
    • 432 Posts
    • 1,452 Thanks
    Drawingaline
    Wow you have been poorly! Hope you are on the road to recovery. But what a positive week with the debt sorting.
    • Onebrokelady
    • By Onebrokelady 8th Feb 18, 11:08 PM
    • 373 Posts
    • 1,010 Thanks
    Onebrokelady
    onebrokelady and happy new diary
    Originally posted by redofromstart
    Hi and thankyou
    Just keep swimming
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £770.00 Total Now Owed = £16,860
    Emergency Fund = £400.00 Xmas savings = £250.00
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