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  • FIRST POST
    • Robin09
    • By Robin09 7th Jul 18, 9:20 PM
    • 266Posts
    • 1,484Thanks
    Robin09
    Back to try again..
    • #1
    • 7th Jul 18, 9:20 PM
    Back to try again.. 7th Jul 18 at 9:20 PM
    Good evening,

    I come on here to read the diaries pretty much every day, such inspiring people on here! I did have a very short lived diary last year but have come back now as a new member to start afresh.

    We are on a DMP and have been since February 2016. Our debt when we started were just under 30000 and as of this month is just under 18000. I am hoping one day soon we may be brave enough to go self managed.

    A bit about us. DH and myself both work. DH is full time and my hours are varied part time hours. We have two beautiful children, DS 14 and DD 5.

    As I said I one day hope to go self managed. To be fair, I am a bit of a wimp and like the one payment we make but also do not like that we cannot make overpayments if we wish..

    Budgeting wise, I have always tried my best at this. DH on the other hand has taken a long time to get his head around it all, so for many years I have just been playing catch up on what he has spent and re jigging things as we go along. But, at the beginning of the year I tried a different budgeting technique that has worked so well and DH has stuck to and has admitted is easy! So much so, that the last few months we have saved money and had money left in the bank at the end of each month.

    My plan is to continue to save and at some point go self managed and start over paying our debts and get it paid of sooner and to get on with our life without debt.

    Please join my journey if you wish.

    Robin. X
Page 12
    • Robin09
    • By Robin09 23rd Dec 18, 7:32 PM
    • 266 Posts
    • 1,484 Thanks
    Robin09
    Thanks Jwil. Wow, the ballet was absolutely beautiful. Enjoyed every minute of it. The orchestra was also fantastic. We are not only lucky to have been given the tickets but also very lucky to be allowed in as when we got there we realised our tickets were for yesterday don't know how I hadn't noticed before we had got our dates mixed up. We also didn't realise that our tickets allowed us all a free programme and a ice cream each. Lady on the door was amazing and went out of her way to find us seats together, so grateful.

    Was up early as my brother and family come to visit before we went out, was lovely to see them all. More visitors tomorrow and some visiting to do, before coming home to rest over Christmas, finally.
    SPC 076
    • jwil
    • By jwil 24th Dec 18, 9:14 AM
    • 10,102 Posts
    • 34,728 Thanks
    jwil
    That's good of them to let you in, glad you enjoyed it.

    Have a lovely Christmas
    "If you can dream it, you can do it". Walt Disney
    • Robin09
    • By Robin09 24th Dec 18, 8:27 PM
    • 266 Posts
    • 1,484 Thanks
    Robin09
    We was very lucky indeed that they were so kind and let us in

    Visitors this morning, then off to my sisters and MIL's. Finally got back home to relax for christmas. Enjoyed a film together whilst having our dinner. Looking forward to having the next few days to rest and be together. First time in a few years it will just be the 4 of us, so will be lovely.

    Wishing everyone a Merry Christmas
    SPC 076
    • pidge04
    • By pidge04 25th Dec 18, 5:46 AM
    • 606 Posts
    • 1,755 Thanks
    pidge04
    Merry Christmas
    O/D 900 to be 400 in December 2019
    CC 3050 . to be 1999 in December 2019
    LOAN 3692 to be 1876 in December 2019!
    • Robin09
    • By Robin09 1st Jan 19, 8:15 PM
    • 266 Posts
    • 1,484 Thanks
    Robin09
    Happy New Year

    Christmas was wonderful, just the 4 of us. May have took it a bit far when I said I was going to spend a few days at home as apart from being out in the garden I haven't left the house for 8 days . We've had visitors by and I have been sorting the house out again, can't believe how quickly it got cluttered up again, was starting to stress me out. DH has done tip and charity runs and has taken the kids out so I could crack on. I had some lovely gifts, and my parents gave me 50 (a actual 50 note, don't think I've ever had one of those) and with the money left that my boss gave me last month I have enough to pay back my sister in law for the Spice Girls ticket

    Budgets have been done for the month, tight but doable. Was so nice to have shopping delivered on Sunday with some fresh food and fruit, know its time to get back to normal when there is candy canes instead of fruit in the fruit bowl Do owe my mum 10 as she picked me up a bundle of Christmas cards, wrapping and crackers for next Christmas. DH took our weekly money out last week so can use that tomorrow when I see her.

    Back to normal tomorrow and back to work.
    SPC 076
    • jwil
    • By jwil 2nd Jan 19, 9:36 AM
    • 10,102 Posts
    • 34,728 Thanks
    jwil
    Happy New Year
    "If you can dream it, you can do it". Walt Disney
    • shteca
    • By shteca 2nd Jan 19, 10:16 AM
    • 69 Posts
    • 106 Thanks
    shteca
    Hi Robin
    Happy New Year! In a very similar situation as yourself. I am single and have two kids.
    You seem to be doing very well with the budgeting and here's to 2019 being a great year and knocking out a lot of the smallest debts you have!
    Original Debt: 54,441.87 - 01/05/2018 | Repaid: 22,680 | Current Debt: 31,761
    • Robin09
    • By Robin09 3rd Jan 19, 5:43 PM
    • 266 Posts
    • 1,484 Thanks
    Robin09
    Thankyou both here's to a great 2019! Shteca, have subscribed to your diary. I need to stop lurking on the diaries as I love them all, but never know quite what to say

    A shocking night's sleep meant I went back to work very tired. But back to it and DD was good as normal. Spent time playing with their dog and doing her colouring books. Went to visit best friend after, spent a lovely afternoon there.

    Back to work this morning and then we popped into see my parents to help them take their christmas decorations down. I do go up there quite a bit to help out when I can (they both have health issues). Today though they've asked if I will do their ironing as the lady who did it can no longer do it. I really dislike doing ironing but it will help them out and they have said they will pay me 25 per time, so a little extra money for a while.

    Had to pop to the sorting office as had a card through the door to say I had a letter with not enough postage so had to pay 2 with handling fee. My Nan had forgot to put any stamps on but the lady said as it was a Christmas card not to worry about paying
    Used the last of my weekly money on getting my nephew a birthday present for the weekend. Also did a online order for gifts for DH's birthday and best friends DD, all budgeted for.

    Have been given a new terramundi pot. I love it. It is a Only Fools and Horses one (my all time favourite) and says 'he who saves wins' I plan on only putting 1 coins in this and this will be the debt pay down pot. Really need to sit down and look into going self managed at some time in the near future.
    SPC 076
    • pidge04
    • By pidge04 3rd Jan 19, 9:27 PM
    • 606 Posts
    • 1,755 Thanks
    pidge04
    Happy New Year to you
    O/D 900 to be 400 in December 2019
    CC 3050 . to be 1999 in December 2019
    LOAN 3692 to be 1876 in December 2019!
    • Robin09
    • By Robin09 4th Jan 19, 7:57 PM
    • 266 Posts
    • 1,484 Thanks
    Robin09
    Thanks Pidge, Happy New Year to you too

    A lovely day out with best friend and the DC in the woods and park. Was so much colder than I had expected though, my feet were frozen. Went prepared with coffee in our mugs and drinks, snacks for the children. Have my parking pass so no parking charge either so a nice free day out.

    Signed up for the NSD challenge. Aiming for 15 or more this month. Got 3 so far.

    Hope everyone has a nice weekend.
    SPC 076
    • Robin09
    • By Robin09 7th Jan 19, 3:56 AM
    • 266 Posts
    • 1,484 Thanks
    Robin09
    Annoying tickly cough means I haven't been to sleep yet, only a few hours until the DC have got to be up for school. Think I may aswell give up now.

    Spent the day at home on Saturday, played games and watched films. Had to order DD a pair of runnning shoes for athletics. Yesterday we travelled to visit my brother and family for my nephews birthday. Was lovely to see everyone and I paid my sister in law for the ticket, so that's all done.

    Our shopping delivery never arrived yesterday. First time that's ever happened. Rang them up and she said the driver hadn't done any of his deliveries and they were unsure why. Wasn't much she could do as it was already 10.30pm, apart from cancel it and rearrange for today. I have nothing in for the DC for school packed lunches so will have to give DS some money to grab something on the way. DD won't be happy about it but she will have to have the hot dinner menu. They did give me a 10 goodwill gesture voucher.

    I had plans to get my house cleaned today when they are at school but considering I haven't been to sleep yet, will see how I go.
    SPC 076
    • mark88man
    • By mark88man 7th Jan 19, 1:00 PM
    • 3,793 Posts
    • 8,692 Thanks
    mark88man
    hello there - new subscriber alert - just had a quick skim through - slow but steady is definitely getting the job done, so don't be too keen to change things that are working - and be very careful to think of the down sides of self managed as well as the benefits
    Things happen for a reason. Often the reason is we are stupid & make bad decisions.
    Weight/Health - Fluctuating - better than I was worse than I should be
    End 18: CC:8K@0% - Car Loan:11K@2.8% - Mort:133K@2.1% = 152K
    Decrease in Total Debt 2016:13.4K 2017:8.3K 2018:20K

    • jwil
    • By jwil 8th Jan 19, 10:37 AM
    • 10,102 Posts
    • 34,728 Thanks
    jwil
    Hope your cough improves and you get your shopping!
    "If you can dream it, you can do it". Walt Disney
    • Starmummy
    • By Starmummy 8th Jan 19, 3:31 PM
    • 382 Posts
    • 1,805 Thanks
    Starmummy
    There must be something in the air Robin! I just can't sleep at the moment either despite being exhausted by 9pm.

    How annoying about the shopping. It's one of the reasons I have never had mine delivered, I have done click and collect a couple of times though. We tend to use Aldi now though, the quality is fantastic, the prices are great and it's on the walk home from my office. I tend to just get a few days worth of food at a time though to avoid waste, and so I can carry it. I'll do a big tins/bulky goods shop once every 4-6 weeks though.
    debt consolidated 16/8/18 10,995.30/12,618.12 (Total debt at LBM 1st Jan '18 c..19.5k)
    EF/FIT savings 1,100.27 Other Savings 26.78 House Deposit 993.89/20,000 5%
    • Robin09
    • By Robin09 9th Jan 19, 12:21 AM
    • 266 Posts
    • 1,484 Thanks
    Robin09
    Thanks mark88man, I really enjoy reading your dairy, mine may be a tad boring but nice for you to have subscribed . You are right about our debt repayments going down slowly and surely. I broached the subject with DH again and he still seems keen to stick to SC for a little while longer and get some more money saved up, which is sensible.

    Shopping came thankfully Jwil. Oh the drama I had to put up with because there was 'nothing' to eat

    The lack of sleep is what gets to me the most starmummy, hope you have managed to get a decent sleep tonight. We have never had our shopping not turn up before, luckily we have it now. I would love to use Aldi but we have none around here, nearest is about a 30 minutes drive away. There have been talks ongoing about opening one local to us for a long time but the CoOp keep fighting them and winning so planning never goes through.

    Yesterday I stayed and got the house cleaned, I had zero sleep but knew I would feel worse if I had sat down and although I didn't do the deep clean I had planned on, at least all the house got done. Had to spend on giving DS money for his lunch and DD's 1 for athletics. Also bought a bottle of Night Nurse, as finds this helps when I get this bad, I managed to get a few hours sleep last night.
    Today, I had to go and sit at my Brother in Laws house to wait in for the boiler man, I ended up falling asleep while I waited had time to come back and get dinner sorted before picking DD up.
    Looks like it's going to be another late night, already propped up on the sofa. It's getting quite chesty now so will go to the doctors if needs must. I am prone to chest infections so need to be careful as at the beginning of last year I ended up in hospital as it got so bad.

    NSD 4/15. Not doing as well as I had hoped so far.
    SPC 076
    • mark88man
    • By mark88man 9th Jan 19, 7:21 AM
    • 3,793 Posts
    • 8,692 Thanks
    mark88man
    keep on keeping on - you'll catch up on your sleep soon enough - although with kids and modern life that maybe when you're 60 or 67 or 78
    Things happen for a reason. Often the reason is we are stupid & make bad decisions.
    Weight/Health - Fluctuating - better than I was worse than I should be
    End 18: CC:8K@0% - Car Loan:11K@2.8% - Mort:133K@2.1% = 152K
    Decrease in Total Debt 2016:13.4K 2017:8.3K 2018:20K

    • Robin09
    • By Robin09 10th Jan 19, 10:21 AM
    • 266 Posts
    • 1,484 Thanks
    Robin09
    Thanks mark88man slept better last night, feel so much better for it today.

    Yesterday I went to work and then to my parents to do their ironing. I didn't like having the money off them but they said they would be paying someone anyway and they insisted. My mum is not doing to well at the moment with a MS flare up. I hadn't budgeted this money in so I put 15 in the sealed pot for that challenge and 10 in the new pot for the debt paydown. Our lowest debt is 84 so I am aiming for that first, as even if we don't go self managed just yet, I feel like I am doing something extra. Plus if we ever get any offers for a reduction we may have some to cover it. Makes sense to me anyway

    Ordered DS some books he wanted yesterday but he gave me the cash from his Christmas money so will still class that as a NSD and will use the cash for my weekly money. Got the refund for the shopping that wasn't delivered so the bank balances are where they should be at.

    Today I have to pick DS up early from school for a meeting so DH is coming home early to get DD. Tomorrow will be the same, but tomorrow's meeting is further away so my dad will be driving us. Hoping they will be able to help him with his sleeping problems as he is seeing a specialist this time.

    This months payment to SC has gone out today, two more payments and we will be in the 16,000's bracket.
    SPC 076
    • jwil
    • By jwil 11th Jan 19, 10:35 AM
    • 10,102 Posts
    • 34,728 Thanks
    jwil
    Debt paydown pot is definitely a good idea

    Hope DS meetings go well x
    "If you can dream it, you can do it". Walt Disney
    • Robin09
    • By Robin09 11th Jan 19, 8:23 PM
    • 266 Posts
    • 1,484 Thanks
    Robin09
    Thanks Jwil, meetings went well.

    Work this morning before picking DS up to take him to his appointment. Afterwards my dad took him for some food while I popped into town to pick some bits up that my mum needed. Picked up some birthday cards from the Card Factory as running low and lots of birthdays coming up, 2 spent there and 3 in the shop on some snack bits. Need to buy both DC a new drinks bottle. DD has lost hers and DS's lid broke off this morning, so he didn't have a drink to take with him to school. Did have a look but had no luck finding any.

    DH has had a successful day getting some bills down. 10 off a month - gas/elec. 6 off a month - car insurance. 12 off a month - tv/broadband. 2.50 off a month - house insurance. I am very happy. Would have preferred to have got rid of the tv package altogether but then I rarely watch it so wouldn't want it anyway.

    Really hoping to get some sleep tonight. Hope everyone has a lovely weekend.
    SPC 076
    • Robin09
    • By Robin09 12th Jan 19, 8:26 PM
    • 266 Posts
    • 1,484 Thanks
    Robin09
    Nice chilled day today. Got a bit more sleep than I have been, but DD was up earlier than normal DH was out helping a friend so I took the DC to the new Zog trail at the woods, and the play area. Was so tempted to stop at the bakery on the way home for some lunch but come home and we had ham and cheese toasties instead. Spent the rest of the day at home. DD isn't letting Christmas go just yet, so we ended up watching Home Alone again
    SPC 076
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