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  • FIRST POST
    • Onebrokelady
    • By Onebrokelady 31st Jan 18, 12:15 AM
    • 1,564Posts
    • 9,750Thanks
    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 😊 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 55
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 10th Jan 19, 9:43 PM
    • 8,385 Posts
    • 64,735 Thanks
    HairyHandofDartmoor
    Hi Hairy,normally if it says free range on the box they have to have a large area to roam around during the day then at night they are kept in large sheds, then you have barn eggs where the hens are loose but in a barn all the time with lights on tomake them lay more as they lay according to light levels, then there are the new enriched cages which are slightly bigger than the old battery cages although not much bigger,I think each hen has about an A4 piece size of papers worth of space each,they have to have perches and areas to dust bath but they aren't at all good for the hens
    The hens go into the farm at 18 old weeks where they are forced to lay all the time until they get to 72 weeks old then they are removed and slaughtered unless they are picked up by a rescue and a new Batch moves in to start all over again, they go for over 30 days without being cleaned out and the ammonia that builds up is awful and damages their lungs,that's why people wear face masks in the sheds
    This is why I don't like buying eggs,Sainsbury's do woodland eggs where the hens are allowed out all day under the cover of trees,this is their preferred habitat then they are shut in at night,left to their own devices in the wild they would roost up in the trees
    Originally posted by Onebrokelady
    That does sound horrible. My eggs definitely say free range so at least the hens have a bit of freedom in the day. When I'm richer I will definitely buy woodland eggs from Mr S, if I don't have my own hens.
    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
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 10th Jan 19, 9:50 PM
    • 8,385 Posts
    • 64,735 Thanks
    HairyHandofDartmoor
    Had a lovely day at the beach today,the dog was in heaven and the weather although fresh was really nice,it wasn't too windy so that kept the temperature from falling too far,Im shattered now though, all that sea air has made me very sleepy

    I was washing the dishes earlier and I decided to count my cutlery,I have 22 dessert spoon,21 knives,22 forks and 22 teaspoons,who the hell needs that much cutlery
    Guess what I'm getting rid of next
    Originally posted by Onebrokelady
    Glad you had a good day at the beach . I'm jealous of your cutlery collection, we keep running out because DS3 stockpiles them in his room .
    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
    • Lifeisforliving19
    • By Lifeisforliving19 11th Jan 19, 2:20 PM
    • 284 Posts
    • 1,944 Thanks
    Lifeisforliving19
    Interesting about the eggs. I would never buy from caged hens. Only ever buy free range chicken as well.
    DMP 2015 £57,549, now £42,310 (26% paid)
    EF £300 Mortgage OP's this year £60
    Christmas 2019 £20 SPC #110....keeping it a surprise
    There's a Great Big Beautiful Tomorrow, Shining at the End of Every Day!

    • Cumbria lass
    • By Cumbria lass 11th Jan 19, 7:47 PM
    • 2,877 Posts
    • 18,518 Thanks
    Cumbria lass
    Yesterday sounded great OBL , I love the seaside to blow the cobwebs away.

    Have a good weekend .
    CC1 £2980 Feb 2019.
    • Onebrokelady
    • By Onebrokelady 11th Jan 19, 10:38 PM
    • 1,564 Posts
    • 9,750 Thanks
    Onebrokelady
    Glad you had a good day at the beach . I'm jealous of your cutlery collection, we keep running out because DS3 stockpiles them in his room .
    Originally posted by HairyHandofDartmoor
    Im downsizing my cutlery collection to six of each item, there is no way I will ever use that much cutlery
    By the time I'm finished my house will be streamlined to within an inch of its life
    Just keep swimming
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £1,756 Total Now Owed = £15,874
    Emergency Fund = £1,500 Xmas savings = £300
    • Onebrokelady
    • By Onebrokelady 11th Jan 19, 10:40 PM
    • 1,564 Posts
    • 9,750 Thanks
    Onebrokelady
    Yesterday sounded great OBL , I love the seaside to blow the cobwebs away.

    Have a good weekend .
    Originally posted by Cumbria lass
    Thanks it was a good day
    Just keep swimming
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £1,756 Total Now Owed = £15,874
    Emergency Fund = £1,500 Xmas savings = £300
    • Onebrokelady
    • By Onebrokelady 11th Jan 19, 10:53 PM
    • 1,564 Posts
    • 9,750 Thanks
    Onebrokelady
    Well I thought I would sleep really well last night after all that sea air,I went to bed at 10pm because I couldn't keep my eyes open and fell asleep straight away,but then woke up at 11.30 pm,2.30am and 4am,then my alarm went off at 5.30 ,I was not happy
    Despite my bad nights sleep I wasn't that tired today so work was ok in the end
    I now have two days off but I'm going to be busy,tomorrow morning I'm going out with colleagues for breakfast,it's a leaving do for someone and they decided breakfast was a good idea instead of an evening meal,so I won't get my Saturday morning lie in which is a bit sad but never mind I'm having pancakes so there is a silver lining
    Im then coming home and me and DD are sorting through the airing cupboard to get rid of all the bedding I no longer use,some of it can go to the charity shop but some bits are not good enough so will go to the clothes bank bin for recycling,there are some throws in there that I don't use so they can go as well
    I might also sort the cutlery tomorrow and take that to the charity shop too,I will see how we get on
    I also need to hoover at some point over the weekend and I still haven't done the ironing so that is also on the list

    Hobby wise I am thinking I might paint the table and chairs I got for the dolls house for Christmas,I haven't done anything to it for a while and there are some little jobs I could do,I need to make some more window blinds and another woolly blanket for one of the beds so any of that could be done over the weekend

    Apart from that I am plannning on chilling out for a bit
    Just keep swimming
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £1,756 Total Now Owed = £15,874
    Emergency Fund = £1,500 Xmas savings = £300
    • Cherryfudge
    • By Cherryfudge 11th Jan 19, 11:34 PM
    • 2,587 Posts
    • 16,124 Thanks
    Cherryfudge
    Hi Cherry,my DD uses bullet journals and I thought it was too much of a fuss ,who is the originator? I will have a look
    Originally posted by Onebrokelady
    It's Ryder Carroll, and the book is called The Bullet Journal Method. I got a bit side-tracked reading an article that it links to about how writing by hand activates more bits of brain than typing, and at this rate it may take weeks to finish, but so far I'm finding it interesting. It's £2.99 on Kindle or £8.99 elsewhere. There's a decent-sized sample available for free through Am@zon to give you an idea.

    Love the chicken stories!
    MFW #30 Overpaid by £4,100.58/£3000 in 2018 Overpaid by £555.74/2,880.00 in 2019
    Decluttered in 2019: 299/2019 as of 10/3/19
    • Drawingaline
    • By Drawingaline 12th Jan 19, 9:33 AM
    • 586 Posts
    • 2,017 Thanks
    Drawingaline
    I found the minimalists two years ago on fbook. I loved them and they helped me with my decision to declutter. However I found them a little too determined and I have moved away and now use a couple of fbook groups and other people who live a minimalist lifestyle with kids which is more me. Also I have a hoarder for a husband which is incredibly annoying. Although just before Xmas he went through the three bin bags of cables and pared it down to one normal size carrier bag amazing breakthrough

    Good luck with your endeavours, it's an ongoing process. I tried to minimise to six plates, bowls etc. We needed way more glades, knives and side plates than that I discovered but overall there is much less in the house than their was two years ago and I am much more aware of what new things I am bringing in these days too.
    • Nicnak
    • By Nicnak 12th Jan 19, 12:03 PM
    • 1,930 Posts
    • 11,285 Thanks
    Nicnak
    I love how your minimising. I wish I could do that with daughter's toys, but she doesn't have any of it and gets everything back out of the bag because she desperately needs it. x
    September 6th 2017 - Updated February 2019
    Credit Card £0 now: £0 Dad £1500 = £1000 Consolidation £15,000 = £9,960 Total = £25,330 £10,960 59% gone EMF #252 = £100/£1000
    Sealed pot challenge #024
    Pay off all your debts by Christmas #071
    • Lifeisforliving19
    • By Lifeisforliving19 12th Jan 19, 3:19 PM
    • 284 Posts
    • 1,944 Thanks
    Lifeisforliving19
    Interesting about writing by hand, activating different parts of the brain. I have often thought that as we type more on the computer and text etc, our ability to write is decreasing. I wrote a letter to my mum the other day ( she is in a care home) and was amazed at how messy my writing seems to have become and how hard I actually found it...missing letters etc. Think I should maybe start writing a journal or something
    DMP 2015 £57,549, now £42,310 (26% paid)
    EF £300 Mortgage OP's this year £60
    Christmas 2019 £20 SPC #110....keeping it a surprise
    There's a Great Big Beautiful Tomorrow, Shining at the End of Every Day!

    • Onebrokelady
    • By Onebrokelady 12th Jan 19, 4:42 PM
    • 1,564 Posts
    • 9,750 Thanks
    Onebrokelady
    It's Ryder Carroll, and the book is called The Bullet Journal Method. I got a bit side-tracked reading an article that it links to about how writing by hand activates more bits of brain than typing, and at this rate it may take weeks to finish, but so far I'm finding it interesting. It's £2.99 on Kindle or £8.99 elsewhere. There's a decent-sized sample available for free through Am@zon to give you an idea.

    Love the chicken stories!
    Originally posted by Cherryfudge
    Thanks Cherry I will have a look at that
    Just keep swimming
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £1,756 Total Now Owed = £15,874
    Emergency Fund = £1,500 Xmas savings = £300
    • Onebrokelady
    • By Onebrokelady 12th Jan 19, 4:49 PM
    • 1,564 Posts
    • 9,750 Thanks
    Onebrokelady
    I found the minimalists two years ago on fbook. I loved them and they helped me with my decision to declutter. However I found them a little too determined and I have moved away and now use a couple of fbook groups and other people who live a minimalist lifestyle with kids which is more me. Also I have a hoarder for a husband which is incredibly annoying. Although just before Xmas he went through the three bin bags of cables and pared it down to one normal size carrier bag amazing breakthrough

    Good luck with your endeavours, it's an ongoing process. I tried to minimise to six plates, bowls etc. We needed way more glades, knives and side plates than that I discovered but overall there is much less in the house than their was two years ago and I am much more aware of what new things I am bringing in these days too.
    Originally posted by Drawingaline
    I am decluttering to 6 of everything mainly because me and DD have a habit of using every piece of cutlery I own instead of washing up more often,I think this will make us more mindful of what we use,so instead of just throwing the teaspoon in the sink and then getting another one out next time we will use the same one and just rinse it under the tap each time we make a hot drink
    I came to the number 6 because that is usually the maximum amount of people that would be in my house at any one time,mostly it's just 2 of us or 5 if my DD,SIL and DGS come to visit

    I don't have a partner so I don't have to worry about anyone else's junk just my own
    Just keep swimming
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £1,756 Total Now Owed = £15,874
    Emergency Fund = £1,500 Xmas savings = £300
    • Onebrokelady
    • By Onebrokelady 12th Jan 19, 4:52 PM
    • 1,564 Posts
    • 9,750 Thanks
    Onebrokelady
    I love how your minimising. I wish I could do that with daughter's toys, but she doesn't have any of it and gets everything back out of the bag because she desperately needs it. x
    Originally posted by Nicnak
    The answer is to do it when she isn't around,I used to bag up my girls toys that hadn't been used for a while and put them out of the way in a spare room or the loft for a month and if they hadn't noticed that any of the things were missing I would take them to the charity shop while they were at school so they were non the wiser
    Just keep swimming
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £1,756 Total Now Owed = £15,874
    Emergency Fund = £1,500 Xmas savings = £300
    • Onebrokelady
    • By Onebrokelady 12th Jan 19, 4:54 PM
    • 1,564 Posts
    • 9,750 Thanks
    Onebrokelady
    Interesting about writing by hand, activating different parts of the brain. I have often thought that as we type more on the computer and text etc, our ability to write is decreasing. I wrote a letter to my mum the other day ( she is in a care home) and was amazed at how messy my writing seems to have become and how hard I actually found it...missing letters etc. Think I should maybe start writing a journal or something
    Originally posted by Lifeisforliving19
    I actually write quite a lot, we are constantly writing at work so that keeps my hand in and I will be writing in my journal as soon as I figure out what I want to write
    Just keep swimming
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £1,756 Total Now Owed = £15,874
    Emergency Fund = £1,500 Xmas savings = £300
    • Onebrokelady
    • By Onebrokelady 12th Jan 19, 5:05 PM
    • 1,564 Posts
    • 9,750 Thanks
    Onebrokelady
    Got up early today and went to meet friends for our colleagues leaving breakfast,it was really nice but boy did I eat too much,I had a stack of pancakes with maple syrup and fruit and there was so much I haven't eaten anything else yet today

    I then had a wander round the shops and popped into Debenhams to see if there was anything I could spend the rest of my voucher on,I saw a few things and tried in two tops but they didn't grab me,I've decided wait until I've sorted out my clothes for the charity shop and then I can see what is missing or needs replacing

    I then came home chilled out for a bit and did some reading,then me and DD tackled the bedding in the airing cupboard and the towels, so I have three bags of sheets, duvet covers,throws and towels that I no longer use to go to the charity shop and my airing cupboard is super organised,I can actually see what I've got and can take things out with out it all falling out on top of me, I also sorted out my underwear drawer because it was a mess,so I've got rid of all my worn out socks and some undies I have never worn because they are uncomfortable or scruffy,they re going to the clothes bank bin for recycling

    I'm now having a sit down prior to taking the dog out ,I'm not sure what I'm doing tonight,possibly just reading
    Just keep swimming
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £1,756 Total Now Owed = £15,874
    Emergency Fund = £1,500 Xmas savings = £300
    • Nicnak
    • By Nicnak 12th Jan 19, 6:36 PM
    • 1,930 Posts
    • 11,285 Thanks
    Nicnak
    The answer is to do it when she isn't around,I used to bag up my girls toys that hadn't been used for a while and put them out of the way in a spare room or the loft for a month and if they hadn't noticed that any of the things were missing I would take them to the charity shop while they were at school so they were non the wiser
    Originally posted by Onebrokelady
    Perfect. She's with my ex all weekend next weekend so I will go right through them x
    September 6th 2017 - Updated February 2019
    Credit Card £0 now: £0 Dad £1500 = £1000 Consolidation £15,000 = £9,960 Total = £25,330 £10,960 59% gone EMF #252 = £100/£1000
    Sealed pot challenge #024
    Pay off all your debts by Christmas #071
    • foxgloves
    • By foxgloves 13th Jan 19, 3:41 PM
    • 4,714 Posts
    • 26,164 Thanks
    foxgloves
    Interesting about handwriting using different parts of the brain. I love writing by hand, especially letters. I don't write as many as I used to, but I still love writing them & using pretty paper or a nice card - though I often use recycled envelopes. I've also written about a quarter of a novel & even that is all written longhand in a big notebook. I'll use the laptop for the 2nd draft, but I even seem to think better with pen & paper!
    Lots of clearing out going on here too. What is it about husbands & cable collections? Have offered mine a storage box for his......knowing he'll only fit in about half of his stash & hoping this means he will chuck the rest out!
    Money can't jump out of your purse on its own so ask 'Can I borrow one, make one, grow one, bake one, re-purpose or recycle, acquire it for free?' Yes? Then put that purse away & keep your money because little savings
    Payment received from surveys: 2015 = £320 2016 = £210 2017 = £304 2018 = £418 2019 = £55
    • Onebrokelady
    • By Onebrokelady 13th Jan 19, 7:00 PM
    • 1,564 Posts
    • 9,750 Thanks
    Onebrokelady
    Interesting about handwriting using different parts of the brain. I love writing by hand, especially letters. I don't write as many as I used to, but I still love writing them & using pretty paper or a nice card - though I often use recycled envelopes. I've also written about a quarter of a novel & even that is all written longhand in a big notebook. I'll use the laptop for the 2nd draft, but I even seem to think better with pen & paper!
    Lots of clearing out going on here too. What is it about husbands & cable collections? Have offered mine a storage box for his......knowing he'll only fit in about half of his stash & hoping this means he will chuck the rest out!
    Originally posted by foxgloves
    I am guilty of having lots of spare cables in drawers around my house,I'm frightened to throw them away in case the appliance they belong to then turns up,I am going to get them all out though and get rid because all my appliances have their cables attached to them already
    Just keep swimming
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £1,756 Total Now Owed = £15,874
    Emergency Fund = £1,500 Xmas savings = £300
    • Onebrokelady
    • By Onebrokelady 13th Jan 19, 10:36 PM
    • 1,564 Posts
    • 9,750 Thanks
    Onebrokelady
    Today has been a productive day although I did manage to lie in until 10am I didn't sleep well last night so that didn't help

    Me and DD took the dog for a good longish walk around the fields behind our house,then when I got back I went straight out again to take the three bags of stuff from the airing cupboard to the charity shop,none of my local ones are open on a Sunday but the ones in town are so I got the bus into town and took them there,it feels good to get them straight out of the house
    I needed to buy some dog food so did that wile I was in town, The it was home for some lunch and then I had to do the chickens
    I also cooked a casserole for the next three days,it would have been four but DD is having some tomorrow when she gets home from uni
    I also managed to dust the living room and hoover the house and DD did all the ironing

    We sat down and watched several episodes of the Marie Kondo programme Tidying Up which was quite interesting
    I'm now going to read in bed for a bit and hope I start to feel sleepy soon
    I have work in the morning so need to be up at 5.30 am
    I'm going to be decluttering more stuff this week s also occurred to me that minimising my belongings will also help me save money because I won't be buying any unnecessary items ,it will be interesting to see how it affects my budget,I was going to have another wander round the shops today but I just don't want to buy anything which is good,I know I have some of my voucher left from work but I'm going to hang onto it for a bit until I see something I really like
    Just keep swimming
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £1,756 Total Now Owed = £15,874
    Emergency Fund = £1,500 Xmas savings = £300
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