Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • Robin09
    • By Robin09 7th Jul 18, 9:20 PM
    • 270Posts
    • 1,493Thanks
    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 13
    • mark88man
    • By mark88man 12th Jan 19, 9:24 PM
    • 3,799 Posts
    • 8,707 Thanks
    mark88man
    sounds like a lovely day, and significant saving on your monthly bills so in MSE land that's top of the class
    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 13th Jan 19, 9:02 AM
    • 10,112 Posts
    • 34,825 Thanks
    jwil
    How was the Zog trail? We are planning on doing it too.
    "If you can dream it, you can do it". Walt Disney
    • Robin09
    • By Robin09 14th Jan 19, 11:45 AM
    • 270 Posts
    • 1,493 Thanks
    Robin09
    Thanks mark88man, very pleased with the monthly savings. Have been asking him to sort the tv/phone package out for months, but when we had renewal letters through for the others it prompted him to get it all done and dusted.

    Jwil, the Zog trail was good. We didn't buy the activity pack so there was bits we couldn't do but DD was happy enough to read the boards and have a run around.

    Yesterday was just spent at home, DD asked if we could go to fun splash at the local pool but DH was out helping his brother and the shopping being delivered clashed with the times, so will try and go next weekend as it has been a long while since we've been and they do enjoy it.

    Have a week off work this week and I'm already bored. I have spent the morning cleaning and tidying the house and don't know what else to get on with. Need to think of some things to do as can't sit in the house all week doing nothing. Do have to look into getting DD some new school shoes, should have known it wouldn't be long until they were too small after getting her new running shoes. Sorted the drinks bottles out though, my sister had one DD could have and DH had a spare in his work bag for DS.

    Athletics tonight so won't be a NSD.
    SPC 076
    • Robin09
    • By Robin09 16th Jan 19, 2:08 PM
    • 270 Posts
    • 1,493 Thanks
    Robin09
    Yesterday I went to my Mum's to help sort her wardrobe, she is definitely a hoarder when it comes to clothes! Cannot believe how much she had. We filled 3 big black bags full of stuff, some new with tags to try and sell, unsure where is best to do this.

    Today, back to their house to do my dad's wardrobe. Another black bag full. It's all good quality and brands so will try and help make them some money back.

    Potted 15 of my weekly money into the sealed pot and DPD pot over the last couple of days. Have spent today ordering the DC new coats and a pair of wellies and school shoes for DD. DH had sold some tools he no longer used from the garage and gave me 80 to go towards it. It came to just over 90 but DS's coat was in the sale from 140 down to 42! Had money in the clothes pot to cover the extra.
    SPC 076
    • mark88man
    • By mark88man 16th Jan 19, 9:44 PM
    • 3,799 Posts
    • 8,707 Thanks
    mark88man
    I have had some luck selling DD clothes on ebay, but it is hard work. I probably wouldn't try any of the more modern apps as the age group is wrong. maybe local facebook

    alternatively depending on how much your parents need the money you could save yourselves a lot of time by donating to charity shop especially if they are as new
    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

    • mark88man
    • By mark88man 16th Jan 19, 10:02 PM
    • 3,799 Posts
    • 8,707 Thanks
    mark88man
    PS you should ask on the ebay board - they have loads of experience and may help you avoid costly mistakes
    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 19th Jan 19, 10:44 AM
    • 270 Posts
    • 1,493 Thanks
    Robin09
    Last couple of days I have just been helping out at my parents and catching up with friends. No money spent, so happy with that. DH is working this weekend, so has the car but the DC are tired out so are happy to stay home today anyway, plus it's absolutely freezing out.

    mark88man, yes they have decided to sort it out for the charity shops, my mum is unwell again lately and just doesn't need the hassle right now.

    Hope everyone has a lovely weekend.
    SPC 076
    • Robin09
    • By Robin09 20th Jan 19, 6:40 PM
    • 270 Posts
    • 1,493 Thanks
    Robin09
    A nice surprise call off my brother early this morning to say they was travelling over. Met them at the woods for a walk, and to book GoApe, DD's birthday gift off them. Booked for next month, actually on my birthday but worked out well as they said they will bring cake

    DD had a birthday party this afternoon, needed wrapping paper yet again so stopped off at the shop for that, had a present from the last party she was to unwell to attend. Saw a nice thermos food flask reduced from 12 to 4 so picked that up for DH. Tempted to wrap it for his birthday next weekend
    SPC 076
    • Robin09
    • By Robin09 24th Jan 19, 7:44 PM
    • 270 Posts
    • 1,493 Thanks
    Robin09
    Have felt pretty rubbish this week. Had an allergic reaction to something which made me feel rotten and my face all red and sore. Have felt really fed up. I have always struggled with allergies and have very sensitive skin, I have not used anything new so I'm guessing one of the products have changed ingredients again, so trying to figure it out. Was back at work this week and it's totally wiped me out, have been asleep early most nights but still feel exhausted.

    I am off out tomorrow night though, with my brothers and sisters. Every so often, we all like to meet up as it's rare we all see each other at the same time. So will be lovely to catch up with them all. One sister is celebrating booking her wedding (must start saving for this), the other celebrating her divorce

    My mum is in hospital, she has been pretty bad lately and they thought it would be the best place for her. Have spoke to her everyday but will catch the train to see her on the weekend if she isn't home by then.

    Off for a early night again.
    SPC 076
    • mark88man
    • By mark88man 24th Jan 19, 8:04 PM
    • 3,799 Posts
    • 8,707 Thanks
    mark88man
    Good luck with the wedding - going down to my nieces tomorrow for a Sat wedding. I think it might be costly but they're a lovely couple so it'll be worth it
    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 25th Jan 19, 2:49 PM
    • 10,112 Posts
    • 34,825 Thanks
    jwil
    Hope you enjoy your night out x
    "If you can dream it, you can do it". Walt Disney
    • Robin09
    • By Robin09 26th Jan 19, 8:43 AM
    • 270 Posts
    • 1,493 Thanks
    Robin09
    Thanks Jwil, had a lovely night out but unfortunately one sister didn't make it as she is full of cold so not all of us again. We went to bingo, have never been before. We all got a good deal on extra games and a free drink each for 15 as it was our first time. I won 100 and one of my brothers won 75. It was fun, not something we will likely do again, we try and so something new each time we meet up. I just really enjoy having a evening out with them all, hopefully next time it will be the 5 of us.

    Have a fab day at your nieces wedding mark88man, hope the day is really special. Last wedding I went to was my brothers a few years back, very grand affair and not local so cost a fair bit but was a beautiful day and they were worth it too my sisters will be local but I am going to start a new savings pot for outfits, gift, taxi etc.

    Today is DH's birthday, not seen him yet as he's working this weekend again. Didn't buy him any big presents, the only thing he wanted was new guitar strings so got him them and a few little bits, going to have a takeaway curry this evening when he is home.

    There is a free family fun day on down the road today so going to take DD down there for a little while this afternoon. Hope everyone has a lovely weekend.
    SPC 076
    • Honeysucklelou2
    • By Honeysucklelou2 26th Jan 19, 9:21 AM
    • 1,485 Posts
    • 7,368 Thanks
    Honeysucklelou2
    Well done on your win!
    paydbx2019 #93 461.38/10,100 .
    School trips 916/1269..
    EF 160
    • jwil
    • By jwil 27th Jan 19, 8:41 AM
    • 10,112 Posts
    • 34,825 Thanks
    jwil
    Well done on the win
    "If you can dream it, you can do it". Walt Disney
    • mark88man
    • By mark88man 27th Jan 19, 5:39 PM
    • 3,799 Posts
    • 8,707 Thanks
    mark88man
    well done on the win, that makes the pleasant sibling time even more sweet. my OH and I was once to see my brother in Holland where they have government run casino's - so that was fun with cheapish stakes, made even sweeter by my OH putting the last of her chips (about 10) on her birthday number and winning. That money paid for our holiday and some expensive steaks at the nearby argentinian steak house
    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 27th Jan 19, 6:59 PM
    • 270 Posts
    • 1,493 Thanks
    Robin09
    Thanks all I have put it away and I am thinking of putting it towards a little break away I've had my eye on. It is a long weekend break and costs 240, I have 60 already in the 'days out' pot that I could use too. It isn't until October so would have time to save spending money too. Wow mark88man, bet that was celebrations all round that night fantastic!

    Yesterday free day was great, DD had a great time doing different activities and weaved a gorgeous candle holder out of willow. Such a shame that they didn't get a higher attendance as they put on alot and there was even free food and drink. We all enjoyed a takeaway curry when DH was back from work, for his birthday.

    Today was spent at home, DS decided he wanted to change his room about so helped him with that and just potted around the house, DD has decided yoga is her new favourite thing so was sat doing that . My mum is still in hospital, haven't been to see her yet, she is likely to be in for a few more day so will catch the train up one day while the DC are at school. This weekend went fast!
    SPC 076
    • Robin09
    • By Robin09 30th Jan 19, 7:27 PM
    • 270 Posts
    • 1,493 Thanks
    Robin09
    Brrr, temperatures have sure dropped the last few days, no snow yet but was late for work this morning after having to fight with the car to get the door open

    Not really been up to much this week, DD is a little snotty so didn't go to athletics. DS had a opticians appointment for his eye test and new glasses, he picked a free pair this time, they really suit him. I have always said he is to pick what he likes and never to worry about the cost as he wears them all day, everyday. The ones he's picked before have ranged between 0 - 70. He usually gets a new pair every 6 - 12 months. Anyway, he's happy with his free pair this time, so even better. Trying to build up the 'glasses' pot for myself as I am due at the end of the year, and last time I actually came home and cried because they cost too much

    DH's payday tomorrow so will sit and do budgets for the month. No council tax for the Feb/March so 162 extra Budget went well this month, helped by DH selling some bits so we could buy the DC their new coats. I have managed to pot some of my weekly money every week for the sealed pot challenge, plus 29 in the DPD pot.

    All in all, a much better January than we've had for the past few years
    SPC 076
    • mark88man
    • By mark88man 30th Jan 19, 8:31 PM
    • 3,799 Posts
    • 8,707 Thanks
    mark88man
    well done - sometimes you have to look back a year to see how far you have come. weekly or even monthly can be a bit random (at least in my life)
    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 31st Jan 19, 12:57 PM
    • 10,112 Posts
    • 34,825 Thanks
    jwil
    Glad January has gone well
    "If you can dream it, you can do it". Walt Disney
    • Robin09
    • By Robin09 2nd Feb 19, 7:53 PM
    • 270 Posts
    • 1,493 Thanks
    Robin09
    Thanks both

    Feeling a bit off the last couple of days again, I wouldn't say I'm ill or anything but don't feel quite right and generally feeling tired out. Was a snow day yesterday but with hardly any snow but schools were cancelled as the teachers had trouble getting in from further away. DH also had the day off, although he had already planned this. So we all had a nice chilled day at home together.

    Popped out today with DD, to visit best friend to drop some bits to her and to see my mum who is home from hospital now. I had planned to pop to the shop to pick up some of the easter eggs on offer, but the car park was so busy that I drove straight back out again, least I got another NSD also needed to pick up my prescription but realised my pre payment card ran out on Thursday new one should be here soon hopefully.

    Hope everyone has a lovely weekend.
    SPC 076
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

543Posts Today

5,248Users online

Martin's Twitter