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  • FIRST POST
    • Purplemumof2
    • By Purplemumof2 11th Sep 18, 10:02 AM
    • 7,126Posts
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    Purplemumof2
    Why Walk When You Can Fly
    • #1
    • 11th Sep 18, 10:02 AM
    Why Walk When You Can Fly 11th Sep 18 at 10:02 AM
    Time for a new diary, although not at the end of 2018 yet, my plans put in place at the beginning of the year, haven't quite gone as planned....like most things

    Title of my diary comes from a Mary Chapin Carpenter song of the same name and the lyrics are rather apt to the present moment, it symbolises life and at ahem (42, shhhh!! Don't tell anyone) it resonates with me.

    Debt as it stands:

    MBNA: 5960 0% Sept 2019
    BC: 40
    Lloyds: 10,000 - 0% April 2021
    Lloyds OD: 2750

    Grand Total: 18750.00

    So whilst that looks horrendous, it is manageable.

    Pots:

    General - This is my default pot - will be used as my emergency pot
    DD's Travel - Yearly
    Overdraft - Will make a monthly payment until I hit target
    CC Overpayment - Same as above
    Cars - Again as above but no set target, will be used for all things car related
    Household - Everything house related - may include Quarterly and Yearly bills??

    Good Things:
    • Capital One card has gone along with DS's misdemeanour from last year, this one I was adamant was going this year.
    • We've paid off over 7K off the debt this year. Most of that was because of DH's commission and general saving up but also due to Surveys
    • Car is finally sorted
    • Lounge has been decorated
    • Pots set up
    • DS has finally settled down in school (I hope!)

    Bad Things:
    • The debt has increased - probably by what we already paid off, not sure.

    The good outweighs the bad, which means that things are going the right way.
    Last edited by Purplemumof2; 11-09-2018 at 10:18 AM.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 4750.00 Lloyds: 9000.00 BC: 800.00 Cap One: GONE
    May LTW 11/21 ~ May NSD 2/5
    PAYDBX 2019 #041 PD 2567.41/5604.30
    Savings for Christmas 250.40/500 ~ EF 25/500
    20p Savers 2019 2 Savers 2019 50p Savers 2019 SPC 12 2019 #003
Page 25
    • Purplemumof2
    • By Purplemumof2 10th May 19, 2:35 PM
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    Purplemumof2
    Hi purple, now that's what I call karma - sometimes it just takes a while but eventually the good get rewarded!
    Originally posted by hugglemonster

    Yup The whole atmosphere in the office has totally changed now too.

    Sorry to hear about your friend, would you not want to see her especially if she hasn't got much time left or would it be too intrusive for the family?

    H x
    Originally posted by hugglemonster

    I would've liked to have seen her, as she has been a major part of our lives since before the kids were born and after, same with her DH. I think it probably would be too intrusive, so I haven't pushed it further. xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 4750.00 Lloyds: 9000.00 BC: 800.00 Cap One: GONE
    May LTW 11/21 ~ May NSD 2/5
    PAYDBX 2019 #041 PD 2567.41/5604.30
    Savings for Christmas 250.40/500 ~ EF 25/500
    20p Savers 2019 2 Savers 2019 50p Savers 2019 SPC 12 2019 #003
    • Purplemumof2
    • By Purplemumof2 11th May 19, 6:19 AM
    • 7,126 Posts
    • 27,431 Thanks
    Purplemumof2
    Morning,

    DD had a sleep out last night with the local Guide units to raise money for Shelter. I dropped her off armed with boxes and snacks, was given a quick kiss and promptly dismissed once she'd seen her friends, she's going to be knackered today though

    Need to pick her up a Guide top that someone is selling, she's outgrown the one she has and I don't want to pay extortionate prices for one that she's only going to wear for another two years....so need 5 for that, it's near the big tescos so I can pick up bits from there too.

    My mum did something stupid! Because I'd said that I'd have liked my brother there when I do my trek, she messaged him to tell him told her not to send him anything more about it.

    I'm doing the annual town walk on Sunday, I've signed up for the 10 mile slot, so that should be interesting. Only three more training weekends left including tomorrow

    Got lots to do this weekend and even more to do at work next week.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 4750.00 Lloyds: 9000.00 BC: 800.00 Cap One: GONE
    May LTW 11/21 ~ May NSD 2/5
    PAYDBX 2019 #041 PD 2567.41/5604.30
    Savings for Christmas 250.40/500 ~ EF 25/500
    20p Savers 2019 2 Savers 2019 50p Savers 2019 SPC 12 2019 #003
    • jwil
    • By jwil 11th May 19, 8:20 AM
    • 10,471 Posts
    • 36,840 Thanks
    jwil
    Great news about that person
    "If you can dream it, you can do it". Walt Disney
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 11th May 19, 9:05 PM
    • 9,352 Posts
    • 73,779 Thanks
    HairyHandofDartmoor
    Great news about losing the oaf at work, they should have listened to you!

    Have a lovely weekend .
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = 58,766 DEBT FREE 31 OCTOBER 2017
    EMERGENCY FUND 1 = 4,005. EMERGENCY FUND 2 = 1,505.
    CHRISTMAS SAVINGS = 66
    PREMIUM BONDS = 50
    • Purplemumof2
    • By Purplemumof2 15th May 19, 8:08 AM
    • 7,126 Posts
    • 27,431 Thanks
    Purplemumof2
    Sorry that I have been AWOL and not updated my diary.

    I received a text on Sunday from my lovely friend to tell me that his wife didn't have long to go and that all the family were there. I received a phone call last night to tell me that she had died yesterday afternoon surrounded by all the family and that she was never left on her own. She is going to be missed big time, she was like a second mum to me and was one of those people that didn't mince her words and told it to you straight

    I did my walk on Sunday, it took a little longer than I have done in the past but it was good, I'm confident that the trek will be ok.

    Picked up DD from her sleep out Saturday morning, she looked knackered and DH ended up having to wake her up Sunday morning.

    Got DD's guide top, the lady said that her daughter only wore it a few times and looking at it, it is virtually brand new. DD's old one is on FB market place now.

    The atmosphere in the site office is totally different it shows how much of a drain on everyone's energy he was. Everyone seems more upbeat and refocused on the project.

    Trying to sort out DS's work experience is proving to be a nightmare. The communication from the school is confusing to say the least. Hopefully if HR agree, DS will be coming to site with me but it all depends on the Risk Assessment that was done yesterday.

    We have DS's parent's evening tonight, I doubt it will be a good one but we'll see.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 4750.00 Lloyds: 9000.00 BC: 800.00 Cap One: GONE
    May LTW 11/21 ~ May NSD 2/5
    PAYDBX 2019 #041 PD 2567.41/5604.30
    Savings for Christmas 250.40/500 ~ EF 25/500
    20p Savers 2019 2 Savers 2019 50p Savers 2019 SPC 12 2019 #003
    • Robin09
    • By Robin09 15th May 19, 8:26 AM
    • 317 Posts
    • 1,792 Thanks
    Robin09
    Sorry to hear the sad news of your friend

    We gave up on the work experience for DS. The school wouldn't budge in letting them try anywhere else that wasn't on their set list that they sent out. We got permission off a few places that DS was interested in but the school wasn't having it. Some of the places they had were ridiculous.. Work experience in the vape shop?! So DS will just be staying in school and helping out in the drama department.

    Good luck at parents evening.
    SPC 076
    • Purplemumof2
    • By Purplemumof2 15th May 19, 8:37 AM
    • 7,126 Posts
    • 27,431 Thanks
    Purplemumof2
    The school is ridiculous, they use an outside company that has 80 placements available, out of 200 kids that is stupid IMO. There is an option for kids to organise their own placements but this wasn't made clear so DS and a few others put down both options and got told off for it **rolls eyes**
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 4750.00 Lloyds: 9000.00 BC: 800.00 Cap One: GONE
    May LTW 11/21 ~ May NSD 2/5
    PAYDBX 2019 #041 PD 2567.41/5604.30
    Savings for Christmas 250.40/500 ~ EF 25/500
    20p Savers 2019 2 Savers 2019 50p Savers 2019 SPC 12 2019 #003
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 15th May 19, 7:54 PM
    • 9,352 Posts
    • 73,779 Thanks
    HairyHandofDartmoor
    I'm very sorry to hear about your friend, she sounds like a great loss .

    Work experience is tricky. Our schools had some reasonable options; DS1 worked in a public library and DS2 in a shop, but DS3 had the best job as he worked in a martial arts academy for a week . I hope DS can come into work with you.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = 58,766 DEBT FREE 31 OCTOBER 2017
    EMERGENCY FUND 1 = 4,005. EMERGENCY FUND 2 = 1,505.
    CHRISTMAS SAVINGS = 66
    PREMIUM BONDS = 50
    • jwil
    • By jwil 16th May 19, 10:01 AM
    • 10,471 Posts
    • 36,840 Thanks
    jwil
    Sorry to hear about your friend
    "If you can dream it, you can do it". Walt Disney
    • Purplemumof2
    • By Purplemumof2 16th May 19, 1:42 PM
    • 7,126 Posts
    • 27,431 Thanks
    Purplemumof2
    Afternoon,

    Isn't the weather lovely? It really makes all the difference to things.

    Sent off a condolence card to my lovely friend today, he should hopefully get it Saturday. It still doesn't seem real and I'm sure it won't sink in with him until the funeral.

    Parent's evening was chaotic but ok, we ended up missing one teacher.

    Picked DD up from Guides to be reminded about half term camp...I'd totally forgotten about it so messaged her leader for details about if I've paid for it in full....I can only find the details for the deposit.

    DS has been told that he and a few other cadets have got a place at the RAF Cosford Air Show Not a bad deal for 2.

    DS has also been told that the IOW camp is now on the board in the Sqn hut, so to sign up for it.

    I am so glad that I now have the other savings account, as I think I am going to need it. DD camps so far this year = 3 plus the major one next year, of which the deposit has been paid.

    Looking at my spreadsheet thingy, I should be able to reduce the BC by half this month, I am looking forward to this one going.

    I should be able to reduce the OD by 300 too, I was going to wait until the end of June but I want to see some improvement on that side of things.

    My car is booked in for a service on the 10th June or at least I think I did it right on the website, I'm waiting a call back to confirm .

    The pots will be drastically reduced this month/next month but I get the fun of building them back up again

    SSE have confirmed that I am now switched over to them so hopefully in 3-4 months my cashback will have cleared. That will be added to the pots.

    Surveys have been done, nearly at halfway point for payout on PB but still along way off payout on OP.

    6 working days until DH gets paid, it can't come soon enough!
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 4750.00 Lloyds: 9000.00 BC: 800.00 Cap One: GONE
    May LTW 11/21 ~ May NSD 2/5
    PAYDBX 2019 #041 PD 2567.41/5604.30
    Savings for Christmas 250.40/500 ~ EF 25/500
    20p Savers 2019 2 Savers 2019 50p Savers 2019 SPC 12 2019 #003
    • Purplemumof2
    • By Purplemumof2 16th May 19, 3:11 PM
    • 7,126 Posts
    • 27,431 Thanks
    Purplemumof2
    Forgot to mention, DH and I were discussing the mortgage and I said to him it is likely that once this fixed rate deal runs out and we have renewed it, then we may be in a position to overpay it even if it is a slight bit.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 4750.00 Lloyds: 9000.00 BC: 800.00 Cap One: GONE
    May LTW 11/21 ~ May NSD 2/5
    PAYDBX 2019 #041 PD 2567.41/5604.30
    Savings for Christmas 250.40/500 ~ EF 25/500
    20p Savers 2019 2 Savers 2019 50p Savers 2019 SPC 12 2019 #003
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 16th May 19, 4:44 PM
    • 9,352 Posts
    • 73,779 Thanks
    HairyHandofDartmoor
    Those camps are very expensive aren't they . DD must really enjoy them though.

    Good news about being able to overpay the mortgage after the fixed deal. When does it run out?
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = 58,766 DEBT FREE 31 OCTOBER 2017
    EMERGENCY FUND 1 = 4,005. EMERGENCY FUND 2 = 1,505.
    CHRISTMAS SAVINGS = 66
    PREMIUM BONDS = 50
    • Purplemumof2
    • By Purplemumof2 18th May 19, 9:31 AM
    • 7,126 Posts
    • 27,431 Thanks
    Purplemumof2
    Those camps are very expensive aren't they . DD must really enjoy them though.

    Good news about being able to overpay the mortgage after the fixed deal. When does it run out?
    Originally posted by HairyHandofDartmoor
    She loves them, which is good as it also means she's more independent too

    Our deal runs out in about 3 years, that gives us enough time to clear the debt.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 4750.00 Lloyds: 9000.00 BC: 800.00 Cap One: GONE
    May LTW 11/21 ~ May NSD 2/5
    PAYDBX 2019 #041 PD 2567.41/5604.30
    Savings for Christmas 250.40/500 ~ EF 25/500
    20p Savers 2019 2 Savers 2019 50p Savers 2019 SPC 12 2019 #003
    • Purplemumof2
    • By Purplemumof2 18th May 19, 9:41 AM
    • 7,126 Posts
    • 27,431 Thanks
    Purplemumof2
    Morning,

    Well that was a week I don't want to repeat again. I think everything caught up with me last night as I was suddenly tired but exhausted kind of tired, I was in bed by 9.30pm.

    I have however found a renewed spirit to keep plodding with the budgets and to get rid of the debt. Things are in motion that way, I'm just impatient I think. I need to get the household side of things back on track, I can't let that side slip.

    Shopping done this morning but need to nip to tesco for bits I couldn't get and go to the veg man on the market for fruit and potatoes.

    Bought some much needed socks today, why is it when you're getting down to your last few pairs, they all decide to go one after the other

    Back later, need to take DD swimming x
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 4750.00 Lloyds: 9000.00 BC: 800.00 Cap One: GONE
    May LTW 11/21 ~ May NSD 2/5
    PAYDBX 2019 #041 PD 2567.41/5604.30
    Savings for Christmas 250.40/500 ~ EF 25/500
    20p Savers 2019 2 Savers 2019 50p Savers 2019 SPC 12 2019 #003
    • Purplemumof2
    • By Purplemumof2 20th May 19, 7:54 AM
    • 7,126 Posts
    • 27,431 Thanks
    Purplemumof2
    May's Goals

    Personal

    Finish my tapestry - This is nearly done
    More training walks as the Trek is looming now - One more training weekend left
    Get more sleep - Still needs improvement

    Financial

    Lunches to work - aiming for 21 days - Will miss by 1 day
    Groceries - need to stop the many top up shops - Work in progress
    Keep logging in with money hub app - I have been doing this
    Keep applying for jobs - Still looking
    Restart with the surveys - Done

    Household

    Declutter more stuff - dump, charity shop, sell - Getting there slowly
    General housework stuff - Getting better at this one
    Originally posted by Purplemumof2
    Thought I would update where this month has gone and where I am with regard to my goals.

    I even sewed ALL DD's badges on her camp blanket

    Need to think about June and what is coming up too.

    Back later x
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 4750.00 Lloyds: 9000.00 BC: 800.00 Cap One: GONE
    May LTW 11/21 ~ May NSD 2/5
    PAYDBX 2019 #041 PD 2567.41/5604.30
    Savings for Christmas 250.40/500 ~ EF 25/500
    20p Savers 2019 2 Savers 2019 50p Savers 2019 SPC 12 2019 #003
    • Purplemumof2
    • By Purplemumof2 20th May 19, 12:15 PM
    • 7,126 Posts
    • 27,431 Thanks
    Purplemumof2
    June's Goals
    Back with June's Goals.

    Personal

    Finish my tapestry
    Read my book
    Restart the gym
    Get more sleep
    Drink more water

    Financial

    Lunches to work - Aim 20 days
    Groceries - need to stop the many top up shops
    Meal plan - I haven't done this in May so need to get back into it.
    Keep logging in with money hub app
    Fuel in car - Need to have more Eco drives
    Keep applying for jobs
    Keep up with the surveys
    Watch what I spend
    Reduce the pub visits - We don't go lots but more than we should do

    Household

    Keep up with the housework
    Declutter more stuff - dump, charity shop, sell - FB marketplace


    Things coming up in June:

    My Jurassic Coast Trek
    DS RAF Cosford with Cadets
    DD balance for August camp due 40
    DS 15th birthday
    My car booked for a service
    Father's Day
    DD Strategy Camp
    Last edited by Purplemumof2; Yesterday at 3:04 PM. Reason: Forgot something
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 4750.00 Lloyds: 9000.00 BC: 800.00 Cap One: GONE
    May LTW 11/21 ~ May NSD 2/5
    PAYDBX 2019 #041 PD 2567.41/5604.30
    Savings for Christmas 250.40/500 ~ EF 25/500
    20p Savers 2019 2 Savers 2019 50p Savers 2019 SPC 12 2019 #003
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 20th May 19, 2:47 PM
    • 9,352 Posts
    • 73,779 Thanks
    HairyHandofDartmoor
    A good clear set of goals and well done on sewing on DD's badges .
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = 58,766 DEBT FREE 31 OCTOBER 2017
    EMERGENCY FUND 1 = 4,005. EMERGENCY FUND 2 = 1,505.
    CHRISTMAS SAVINGS = 66
    PREMIUM BONDS = 50
    • Purplemumof2
    • By Purplemumof2 20th May 19, 2:55 PM
    • 7,126 Posts
    • 27,431 Thanks
    Purplemumof2
    A good clear set of goals and well done on sewing on DD's badges .
    Originally posted by HairyHandofDartmoor
    I was determined that DD would be going to camp next week with a full set on her blanket
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 4750.00 Lloyds: 9000.00 BC: 800.00 Cap One: GONE
    May LTW 11/21 ~ May NSD 2/5
    PAYDBX 2019 #041 PD 2567.41/5604.30
    Savings for Christmas 250.40/500 ~ EF 25/500
    20p Savers 2019 2 Savers 2019 50p Savers 2019 SPC 12 2019 #003
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