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
    • 54Posts
    • 186Thanks
    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 4
    • Robin09
    • By Robin09 6th Aug 18, 9:10 PM
    • 54 Posts
    • 186 Thanks
    Robin09
    A no spend day today, a lot easier when I don't have any left

    Spent the morning putting our tent up in the garden to check over, as DS wants to have friends over to have a camp out. DD wants to do it to, so no doubt I will be sleeping in there some point this week. DS had dentist check in the afternoon, all done for 6 months and his teeth are in great condition

    We then spent the evening at my sisters. She is moving on the weekend so won't be able to just walk around to see her anymore, she isn't going far but not possible to walk to.

    Cooled down in the evening so we all went for a lovely walk around the lake
    • pidge04
    • By pidge04 6th Aug 18, 10:10 PM
    • 275 Posts
    • 489 Thanks
    pidge04
    You are really making the most of being outdoors. Wonderful that your children love it. Loved your picnic ideas. Thank you.
    CC1 2400/599 CC2 3000/2299 CC3 600/448 LOAN 13,000/5462
    • DMP_Tiger
    • By DMP_Tiger 7th Aug 18, 9:27 AM
    • 126 Posts
    • 234 Thanks
    DMP_Tiger
    I wish we had a lake close by that we could walk around. There's a nice woodland/river walk a couple of miles away but that involves getting into the car. Living in a town is handy most of the time but sometimes I wish I lived in the country.......until I run out of milk and then the 7am to 11pm corner shop is just 50 yards away........
    • Robin09
    • By Robin09 7th Aug 18, 8:41 PM
    • 54 Posts
    • 186 Thanks
    Robin09
    We do have a couple of nice places in walking distance but some of the better ones, we do have to drive to. Lack of safe footpaths and reliable public transport around here do make needing a car necessary.

    Today though we did just spend at home. I was hoping that the bits needed to fix the car would be delivered, but they didn't show. DS kept DD amused playing games while I got the house clean and tidy again before we all sat down to watch a film.

    Had 11.50 paid in the bank from surveys so transferred it over to savings. Still haven't spent any of the holiday activity money I took out. Do have a few days out planned when the car is back on the road though
    • Robin09
    • By Robin09 9th Aug 18, 12:32 PM
    • 54 Posts
    • 186 Thanks
    Robin09
    Car still not fixed, hopefully today. Bits got delivered yesterday but DH needed to order one more bit that he is picking up today on his way home from work. As we've not used it all week, the petrol money not spent covered the extra bit.

    So, we have spent a few lazy days at home. Wouldn't say they have been boring but not the most thrilling. Mostly spent in the garden as we do have a play frame, trampoline etc so we haven't been cooped up in the house all day.

    Weekly budget resets today.
    • Purplemumof2
    • By Purplemumof2 9th Aug 18, 3:58 PM
    • 6,303 Posts
    • 23,256 Thanks
    Purplemumof2
    Fingers crossed that your car is sorted soon x
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 6060.00 Cap 1: 170.00 BC: TBC

    POAMAYC 2018 #041 PD 6919.86/7000
    Savings for Christmas 273.72/400
    20p Savers 2018 2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • Robin09
    • By Robin09 9th Aug 18, 9:46 PM
    • 54 Posts
    • 186 Thanks
    Robin09
    Thankyou so much, purplemumof2. It is fixed

    Went out to see my parents to get out of the house, and ended up staying for dinner.

    I have just booked a day out for next weekend. DD used to go to an amazing outdoor playgroup. We started when she was 11 months and we went every week until she was 4 1/2, until the lady who ran the group moved to a different forest to start the group there (about 1 1/2 hours away) We haven't seen her since, so I have just booked us all onto the family session. DS used to come with us in the school holidays and enjoyed it too. It will cost 16.50 plus petrol but will be out the whole day, really looking forward to it.

    Yay, love having the car back and being able to plan stuff again
    • Robin09
    • By Robin09 10th Aug 18, 11:25 PM
    • 54 Posts
    • 186 Thanks
    Robin09
    My best friend was home yesterday after being away for two long weeks, felt like a lot longer! DD came in to work with me this morning, and then we went to her house for the day. Was a lovely day, DC playing together and having fun too.

    Spent on a couple bits today.
    5 of my weekly budget on some ciders for DH, as he did such a great job fixing the car. Also 20 (budgeted) on baby gifts for SiL

    Payment went to SC, we now owe approximately 18,350.

    Then all evening, I have been at my sisters helping her load the van and clean the house before the move tomorrow. Will be helping again tomorrow after work. Time for bed, got a sore throat from all the dust behind the furniture I think. And my back is rather achy from lugging stuff about and taking her ridiculously large wardrobe apart
    • pidge04
    • By pidge04 11th Aug 18, 8:49 AM
    • 275 Posts
    • 489 Thanks
    pidge04
    Just popping by to say hello and hope you are doing ok!
    CC1 2400/599 CC2 3000/2299 CC3 600/448 LOAN 13,000/5462
    • Robin09
    • By Robin09 12th Aug 18, 10:13 PM
    • 54 Posts
    • 186 Thanks
    Robin09
    Thanks for stopping by pidge, I hope you have had a nice weekend?

    I have had a manic weekend helping out my sister with the move. It has taken it's toll on me. Have a very chesty cough again, I'm sure it was all the dust and bleach. I am hoping not to need to go see the doctor again. I get chest infections quite often due to scarring on my lungs from a childhood illness. Ended yesterday with a massive migraine again, I feel like I'm falling apart but, her new home is beautiful and I was happy to help.

    Also, had to fit in a 3 hour baby shower, at the pub!?! I don't really get the whole point of these, but it was fine and DD came with me and we won a box of chocolates, winning one of the games being played.

    Didn't even get chance to sit down and order our shopping till this evening, so coming tomorrow, within budget. Not much left from weekly money. 10 spent on DVD, DS's favourite film. Drink each for me and DD at the pub. Leaves a few quid left in my purse.
    • DMP_Tiger
    • By DMP_Tiger 13th Aug 18, 9:12 AM
    • 126 Posts
    • 234 Thanks
    DMP_Tiger
    Also, had to fit in a 3 hour baby shower, at the pub!?! I don't really get the whole point of these,
    Originally posted by Robin09
    Presents for the baby.

    Attention-seeking for the mother.
    August 2018: Secured Debt 70,003 Unsecured Debt (DMP) 34,614 Total 104,617 DFD: March 2031
    • pidge04
    • By pidge04 13th Aug 18, 10:03 AM
    • 275 Posts
    • 489 Thanks
    pidge04
    Completely with you on the baby shower front!

    Sorry you have been feeling unwell.

    How does the week look like in terms of free things to do?

    Very lucky to have a week long festival here with plenty of things going on. I feel like I am getting a lot of requests for ice creams while I am out with my daughter! I have a stash in the freezer - I am getting sick of hearing myself say !!!8216;you can have one when we get home!!!8217;!!

    Hope you feel 100% soon and that it is a good, cheap week ahead.
    CC1 2400/599 CC2 3000/2299 CC3 600/448 LOAN 13,000/5462
    • Robin09
    • By Robin09 13th Aug 18, 10:12 PM
    • 54 Posts
    • 186 Thanks
    Robin09
    Yes, I find baby showers quite a weird concept. They were getting quite popular when I was having DD, but I made it quite clear I wasn't interested in having one. I got them a decent present, one I know they needed so will not buy another when the babies are here.

    A week long festival sounds great, Pidge! There is a few free things we are hoping to do this week. Today, we had planned to go to an event at the library and then to the cinema but it didn't go to plan... Apologies if this makes you itch..

    Getting ready this morning and saw DD has head lice I have no idea where from. She has never had them before and I haven't had to deal with them in about 10 years since DS was little. I only found 3 but quite a few eggs, yuck! I really wish I took a photo of DS when I told him he couldn't go out with his friends, so I could check him for nits
    She was the only one with them, maybe I went over the top but spent 20 on lotion for us all and did 4 loads of washing. All the bedding, cushions, blankets, towels. I am not taking any chances.

    So after all that. This evening we went to local harbour and took DDs bike. She is still practicing and is desperate to be able to do it on her own without the stabilisers, but no luck yet. She is determined so I know she will get the hang of it soon.
    • pidge04
    • By pidge04 14th Aug 18, 3:18 PM
    • 275 Posts
    • 489 Thanks
    pidge04
    Oh no!
    The unexpected expense :-(
    CC1 2400/599 CC2 3000/2299 CC3 600/448 LOAN 13,000/5462
    • DMP_Tiger
    • By DMP_Tiger 14th Aug 18, 3:41 PM
    • 126 Posts
    • 234 Thanks
    DMP_Tiger
    This evening we went to local harbour.
    Originally posted by Robin09
    You have a lake AND a harbour?? You are so lucky! Must be lovely on the long summer evenings.....is there an ice-cream van?
    August 2018: Secured Debt 70,003 Unsecured Debt (DMP) 34,614 Total 104,617 DFD: March 2031
    • dustydigger
    • By dustydigger 14th Aug 18, 4:26 PM
    • 506 Posts
    • 1,780 Thanks
    dustydigger
    On the subject of lice(we do manage to take in some offbeat subjects on MSE!) I just finished an enjoyable cozy mystery where the protagonist was the new head teacher in a little village school. She spent all the first day of term scratching her head but as an old hand she had her special shampoo ready at home that night to eject her ''visitors'' Just thought it an amusing coincidence coming across your post straight afterwards .

    SPC 2018 # 012 -
    2 Savers 2018 #19 136 Tesc* Xmas Savers 23.17
    Icel@nd bonus card 16 House & Home Fund 2018 - 222 (plus 174 from 2017 = 396)
    weight loss - 3st AF Mar-July 147 days+ Aug 15/24 Books read Aug 8/14 Prolific 0

    • Robin09
    • By Robin09 14th Aug 18, 10:11 PM
    • 54 Posts
    • 186 Thanks
    Robin09
    Good evening,

    Yes, an annoying unexpected expense. Have checked us all again today and so far, so good. Dustydigger, that is a coincidence. I feel itchy again just talking about it.

    DMP_Tiger, I do feel lucky. I love where we live, it's a beautiful place. There was randomly an ice cream van at the harbour the other week, but not seen before or since. Love going for evening walks.

    Spent the whole day out today with best friend and DC, was a really lovely day. My chest is still feeling bad, but lots of fresh air helped. Good thing about spending the whole day in the woods is there isn't anything to spend money on so a NSD today.
    • pidge04
    • By pidge04 14th Aug 18, 10:50 PM
    • 275 Posts
    • 489 Thanks
    pidge04
    Feel better soon.
    Good news about the NSD!
    CC1 2400/599 CC2 3000/2299 CC3 600/448 LOAN 13,000/5462
    • Robin09
    • By Robin09 15th Aug 18, 10:10 PM
    • 54 Posts
    • 186 Thanks
    Robin09
    Many thanks, Pidge. Chest is starting to feel a little better. Inhalers are doing the trick.

    Today ended up being more expensive than I had planned. Spent the morning with a RSPB group doing pond dipping with DD. Cost 3, handy as that's all I had left of my weekly money. She always enjoys going on the events they put on.

    Then happened to see that Sainsburys had the 25% off offer, so we braved the crowds and have nearly got the school stuff done and dusted, apart from shoes. Also included the specialised school shop for DS. Ordered DS a brand new Explorer shirt, as didn't have much luck buying second hand last time. But got a 10% off voucher for that too. We did stop for some food, but all the savings covered it and still have plenty to get shoes. Spent just under 200, so savings have dropped quite significantly.

    I tend to find it hard to spend money on myself. I have had a 40 voucher in my purse since my birthday in February. Well today, I decided to spend it... On Me did the order online and it cost me an extra 1.68 on top but I have a nice few bits coming.
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

110Posts Today

1,408Users online

Martin's Twitter
  • Ta ta... for now. This August, as I try and do every few yrs, I'm lucky enough to be taking a sabbatical. No work,? https://t.co/Xx4R3eLhFG

  • RT @lethalbrignull: @MartinSLewis I've been sitting here for a good while trying to decide my answer to this, feeling grateful for living i?

  • Early days but currently it's exactly 50 50 in liberality v democracy, with younger people more liberal, older more? https://t.co/YwJr4izuIj

  • Follow Martin