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  • FIRST POST
    • FiftyQuid
    • By FiftyQuid 8th Oct 18, 9:54 PM
    • 16Posts
    • 32Thanks
    FiftyQuid
    Time to Start Again....Again
    • #1
    • 8th Oct 18, 9:54 PM
    Time to Start Again....Again 8th Oct 18 at 9:54 PM
    Hello Debt Free Wannabe folk. It's been a while...I used to be here some years ago under a different name but I'll keep that seperate as a lot has happened since then!

    I've called myself FiftyQuid because that's what I am down to in my savings account - which I know is more than some people have (been there!) so I'm grateful to have that.

    But there's always more to the story than meets the eye. I've spent a lot of savings on various things after my husband left me suddenly this year. Some of the spends completely necessary and some probably not. I'm trying to move and have been for the best part of a year but the chains keep breaking. I'm trying to move closer to work and to a smaller house.

    As of the last few weeks things have got worse and the money has just slipped away and here I am down to 50 in savings and I'm going to be overdrawn every month now till Christmas at least. My overdraft is free to 250 and I have an arrangement for more than that so I won't be hit with silly charges so that's a bonus. But it's still money I owe isn't it?

    There will be no Christmas for me which is fine really, I don't have children and I am not close to my family so Christmas always freaks me out annually anyway. I can't bear all the false adverts with the happy families - yuck! (Sorry to be a Grinch!)

    Anyway I had another lightbulb moment yesterday as I got ready for bed. Just realising that if I don't get a handle on this, it'll spiral out of control so quickly. It's happened before and can so easily happen again.

    I know there are people on here a lot worse off than me - I was one of those people before. I guess I am starting this diary to try and record small victories and keep my spirits up during a difficult emotional time.

    My circumstances are as follows. I am paying the mortgage with some help from estranged hubby but I am picking up all the domestic bills. I have done the necessary to get on single person's council tax and got meters read for utilities and reduced monthly direct debits though.

    I have two credit cards with small balances which do get paid off in full at the end of the month but I am using them to spread out payments for food, petrol and other bits and pieces.

    I have a loan for my car which I need for work (I have a long daily commute which would be more expensive by train & bus the other end) and this runs for another four & half years. My car is small and relatively cheap to maintain.

    So I am keeping the wolf from the door - but I don't really have any money left over after the bills are paid. As the saying goes there is a lot of month left at the end of the money. I feel like I'm teetering though.

    I have cut right down on food. I am vegan and cook a lot from scratch and store portions in the freezer. I don't really have the energy for cooking at the end of the daily commute especially if there has been an accident on the road which delays me getting home even more. So I cook batches of easy things like chilli, a curry, soup or a casserole. Getting a bit sick of them but at least I eat 'sensible food' I guess meaning veggies and pulses/meat substitutes.. Once a week my "treat" quick food is oven chips, a veggie quarter pounder with sweetcorm or peas. Rock & roll eh?

    There are areas I need to be careful about. I love charity shop shopping and if I am in town on the weekend I can't go by without popping in to see if I can grab a bargain. I am also a sucker for nice toiletries and tend to stock up when there are bargains even if I don't need the things right then. When you haven't got a lot of money, then it's foolish to look for bargains if you don't actually need them right there and then, right? And I don't know if anyone else does this but I often end up buying things from charity shops that I am sure look great in the changing room but a week later I think they look c**p! So I re-donate them. May as well have just put the money straight in their charity tin.

    I have 1.70 in my purse right now and I have planned meals for today, tomorrow and Wednesday. Then I am down to a few random tins of a few things and some frozen veg and a few old onions, chillies (that might be off now) and some garlic.

    I am feeling hungry now but don't really have anything to snack on except a bit of toast perhaps but then that will impact on the bread I have mapped out for lunches at work. I think I'll end up going to bed hungry but I have eaten a proper dinner (if a little smaller than usual) tonight so I'm hardly starving.

    So...as I said...just writing this to kind of lift my spirits. I need to get back on the straight and narrow and whittle down the overdraft. I need to be careful literally with every penny and be inventive with my food. I need to keep myself occupied for free or as close to free is possible anyway.

    I raise my glass to everyone on their journey. I've been there with the thousands of pounds in debt (more than my salary) and I can honestly say that when you owe anything with no idea how you're going to repay it, it's a worry.

    Let's see what tomorrow brings.
Page 1
    • FiftyQuid
    • By FiftyQuid 9th Oct 18, 6:36 PM
    • 16 Posts
    • 32 Thanks
    FiftyQuid
    • #2
    • 9th Oct 18, 6:36 PM
    • #2
    • 9th Oct 18, 6:36 PM
    Well, before I went to bed I had a few little cherry tomatoes I'd got from Lidl for packed lunches and also a satsuma which was from my week's lunches but I had to eat something, my tummy started to really grumble and actually started to hurt a bit. Then when I was lying in bed I remembered I had a big pot of oats and I could have made a bowl of porridge! I'll remember that this evening if the same happens again...

    I got out of work early today and got home at a decent time and managed to be productive whilst dinner was cooking. Made my lunch for tomorrow...cleaned all the UPVC windowsills and door steps as I have a viewing tomorrow evening....remembered somewhere where I may have some useful change and found another 40p so I now have 2.10 in my purse. Also on the way home I needed to get petrol. I usually put 30 in but I put 25 in today as it will only make a day's difference and that means I have 5 to buy some useful bits to make some one pot dinners for the rest of the week. I also remembered I have some Nectar points I can redeem (about 8 x 2.50) so coupled with the above if I use one or two if them, I really should be sorted for another week.

    Apart from the petrol which is essential, I have had a no spend day and yesterday was as well come to think of it - a proper no spend day yesterday. I need to get as many of those under my belt at the moment!

    I've cleaned the kitchen after dinner so that will be all ready for tomorrow (just a quick wipe of counter after making breakfast in the morning) and the viewing and the rest of the house is clean & tidy.

    It was a nice sunny day today where I was (hope it was for you too) so I got out for a half hour walk to stretch my legs and some fresh air...free exercise! I also needed the break for some thinking time.

    I think tonight I will go to bed early and read a chapter or two and enjoy snuggling down. But before that a cup of tea and a meal plan & shopping list to make sure I buy the right things with my cash and nectar points!

    Keeping going...
    Last edited by FiftyQuid; 09-10-2018 at 6:38 PM.
    • beanielou
    • By beanielou 10th Oct 18, 8:14 PM
    • 58,749 Posts
    • 243,563 Thanks
    beanielou
    • #3
    • 10th Oct 18, 8:14 PM
    • #3
    • 10th Oct 18, 8:14 PM
    Happy shiny new diary
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
    • SnuggleBuggles
    • By SnuggleBuggles 10th Oct 18, 8:43 PM
    • 20 Posts
    • 42 Thanks
    SnuggleBuggles
    • #4
    • 10th Oct 18, 8:43 PM
    • #4
    • 10th Oct 18, 8:43 PM
    Best of luck with your journey. I will follow your endeavours with interest. I know you will rise to the challenge! X
    • FiftyQuid
    • By FiftyQuid 10th Oct 18, 9:02 PM
    • 16 Posts
    • 32 Thanks
    FiftyQuid
    • #5
    • 10th Oct 18, 9:02 PM
    • #5
    • 10th Oct 18, 9:02 PM
    Oh dear. I did really well at Sainsburys today when it comes to the food side. But I saw one of their long tunic tops which go so well with work trousers and leggings and I bought that too.

    I used four of my vouchers but the whole spend was still well over a tenner more than I planned. I think I have a problem when it comes to clothes

    So now here I am telling myself that I do really like and need the top as I am short on decent things for autumn and winter but I am also berating myself for not even going a week without buying an essential non food item.

    However there is some good news...I got an offer on the house today! Probably going to accept but there was another viewing afterwards so I just need to see if they better the offer. So maybe tomorrow I will have sold? Hopefully they won't change their mind overnight? Really hope not.

    When I got home I had dinner which was something I'd frozen a week or so ago and I made lunch for tomorrow. See I can go buy a top when I am not supposed to but the thought of paying for a lunch? No way!

    Last night I did get a bit hungry again before bed so I made a small bowl of porridge with a handful of dried fruit and it really did the trick. I slept well (previous night I had woken up a few times with a rumbling tum) and woke up a bit before the alarm but didn't feel exhausted. I guess oats are a super food for slow releasing energy so it makes sense.

    Oh going back to Sainsburys/nectar points.....something else today....I forgot to use a voucher I had for 300 extra nectar points if I spent >15 so I queried on Nectar points Facebook messenger if I could take receipt back to Sainsburys to get them added on. They said it was at the store's discretion but if I sent a photo of the receipt with my card number and month of birth they would do it for me. So I have sent that off and it should be added tomorrow. Always good to ask right? AND I just looked at my Nectar points statement/account and realised I had extra 100 points to be added at next shop at Sainsburys and 5 x points on TU clothing so....maybe it's not all bad. I'll be able to use those points along with the extra 300 towards groceries if I get really stuck.

    I hope to get the money estranged hubby pays towards mortgage next week so with the food this week I really hope to be sorted as I will make a couple of double meals.

    Not much else to report - I booked my car in for its MOT next month just after one of the credit card statement dates flips over so that won't be due till the end of December. I hope by then I should know where I am with regards the house if the offer works out tomorrow. Wish me luck!

    If anyone has any advice on how to surpress clothing urges....please do share!
    • beanielou
    • By beanielou 10th Oct 18, 9:57 PM
    • 58,749 Posts
    • 243,563 Thanks
    beanielou
    • #6
    • 10th Oct 18, 9:57 PM
    • #6
    • 10th Oct 18, 9:57 PM
    Good news on the house offer
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
    • beanielou
    • By beanielou 10th Oct 18, 9:58 PM
    • 58,749 Posts
    • 243,563 Thanks
    beanielou
    • #7
    • 10th Oct 18, 9:58 PM
    • #7
    • 10th Oct 18, 9:58 PM
    By the way I just dont look at the clothes now!
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
    • FiftyQuid
    • By FiftyQuid 10th Oct 18, 10:23 PM
    • 16 Posts
    • 32 Thanks
    FiftyQuid
    • #8
    • 10th Oct 18, 10:23 PM
    • #8
    • 10th Oct 18, 10:23 PM
    Thank you. I hope I haven't jinxed it by mentioning it. I've had so much poor luck this year so I don't want to get my hopes up. At least when the alarm goes off tomorrow I will want to get up & face the new day and see if the offer is still on the table. Oh and yes, clothes....just so much temptation always.
    • Scott-Weiland
    • By Scott-Weiland 11th Oct 18, 2:50 AM
    • 313 Posts
    • 681 Thanks
    Scott-Weiland
    • #9
    • 11th Oct 18, 2:50 AM
    • #9
    • 11th Oct 18, 2:50 AM
    Good luck on the journey.

    One thing to note with your nectar points you can build them up and spend them on ebay, just I saw your clothing post. Its what I do build them up them use the points off something nice.

    Plus spending on ebay you get more nectar points
    Cashback Earnings Ish YTD 74.66 Survey Earnings YTD Ish 550.84
    "We are what we repeatedly do. Excellence then, is not an act, but a habit."
    Qmee 46.60 Since 3/11/2018
    • FiftyQuid
    • By FiftyQuid 11th Oct 18, 9:16 PM
    • 16 Posts
    • 32 Thanks
    FiftyQuid
    Thanks Scott for the eBay tip. I hadn't thought of that so I'll keep that in mind.
    • FiftyQuid
    • By FiftyQuid 11th Oct 18, 9:46 PM
    • 16 Posts
    • 32 Thanks
    FiftyQuid
    Thursday night....nearly Friday.

    Well...an offer was accepted today and I am told the buyer is seeing his solicitor on Monday. He owns some other houses around here (buy to let) and I hope that this all works out. I've suffered so many let downs this year that I don't want to get my hopes up too much.

    Well I had a no spend day today I came home from work and made a double portion of a vegetable & chick pea curry and had some tonight with a couple of wholemeal wraps which were languishing in the freezer.

    Got out for a walk at lunchtime with a friend I haven't seen for a while which was good...free exercise in some sunshine when I thought it was going to be raining. Bonus.

    Not really much else to report really Trying to be good!
    • ImpulseSpender
    • By ImpulseSpender 11th Oct 18, 11:34 PM
    • 85 Posts
    • 236 Thanks
    ImpulseSpender
    Yay on your offer being accepted! Keeping my fingers crossed for you.

    Vegetable and chickpea curry is always a go to for me. If I can bulk it out with veggies then I find I can freeze at least 3 or 4 portions.

    Well done on the no spend day too!
    FD CC - 258.78/258.78, Santander CC - 57/3564.05, MBNA CC - 460/3144.96, Savings - 300/5000
    • FiftyQuid
    • By FiftyQuid 12th Oct 18, 9:27 PM
    • 16 Posts
    • 32 Thanks
    FiftyQuid
    It's FRIDAY!! I am so delighted. I've had such a long week full of emotional ups & downs and hard work at work too. I'm so ready for the weekend. I am looking forward to waking up tomorrow at my normal time, which will be pitch black, then snuggling back down safe in the knowledge I don't have to be up for at least 2 or 3 more hours. Ahhhh that's such a lovely feeling. Simple but lovely.

    Then I will get up and peg out the washing I will have got started early (on a timer) as the weather is supposed to be warm & windy tomorrow so I can hopefully get 3 loads done, maybe 4 which will get my baskets down to none. I love it when I can still eke out the good weather for line drying and not have to use the tumble dryer a.k.a. the electric eating machine. It's good to have it but I don't like using it unless I have to.

    Today was another no spend day hurrah me.

    I made a massive stir fry with brown rice, using up some soya "chicken" pieces and some veggies and I also chucked in some cashew nuts. I feel as fat as a barrel now! But at least there will be no tummy rumbles before bed and I'll be sorted till breakfast.

    I checked my nectar points balance and they have added the 300 points, yipeee!

    The under offer sign went up today and I received the sales memorandum from the estate agents. I am still trying to keep an emotional distance but trying to remain positive. It is hard though, as I am sure you'll understand, when you've been constantly through the mill over the last 6 months and felt like the rug's been pulled away many times. Anyway I shall just try and keep my mind in neutral, I think that's all I can do.

    Have a lovely lovely weekend all and if you have any of this late-in-the-year sunshine, make the most of it.
    • litepay
    • By litepay 12th Oct 18, 9:53 PM
    • 44 Posts
    • 45 Thanks
    litepay

    The under offer sign went up today and I received the sales memorandum from the estate agents. I am still trying to keep an emotional distance but trying to remain positive. It is hard though, as I am sure you'll understand, when you've been constantly through the mill over the last 6 months and felt like the rug's been pulled away many times. Anyway I shall just try and keep my mind in neutral, I think that's all I can do.
    Originally posted by FiftyQuid
    I fine the sale & purchase process so stressful here in the UK, anyone can pull out at anytime. In Scotland it's completely different from what I read, and also in other countries - like Canada. The law should be changed to offer more protection to the sellers and buyers...

    Good luck!
    • FiftyQuid
    • By FiftyQuid 12th Oct 18, 10:45 PM
    • 16 Posts
    • 32 Thanks
    FiftyQuid
    litepay - I absolutely could not agree more. It's an awful system. Awful awful awful.
    • FiftyQuid
    • By FiftyQuid 13th Oct 18, 6:33 PM
    • 16 Posts
    • 32 Thanks
    FiftyQuid
    Happy Saturday evening!

    I had such a lovely lie in today, I must have needed it. I woke up at about 7.30am (already a lie in compared to normal) and had to nip to the loo but then got back into bed and snuggled down again and didn't wake up again till 9.45am. That is so late for me these days!

    I'd planned to get the washing out on the line but as soon as I got it out of the machine it started lashing it down and didn't stop for about two hours. However I have a conservatory so I could peg it out on a large clothes horse in there. I had to use the tumble dryer to dry one lot of bedding but then the sun came out and I got the second lot out on the line along with the stuff from the conservatory and later some jeans. It was so warm today and really windy so it all dried really quickly and I am all up to date on washing now till next weekend.

    I did my housework, did some weeding and raked the lawn as part of it is shaded and is prone to mushrooms! There were some bl**dy massive ones which had come up after all the rain recently and they actually kinda freaked me out! Crazy for a vegan I know but they were enormous!! Anyway I raked them all down and cleared it all up along with some other 'greenery'. Snipped some buddleia back which probably weren't helping with the shade and here's hoping all the pretty warm sunshine helps them stay away for a while.

    I got some free exercise as I walked into town and back (about 25 mins each way). Not a no spend day; I spent 1.79 so far on some ironing water and some dark chocolate. Ironing water you say? Yes. I live in a hard water area and it's ruined several irons and it's so annoying having cr*ppy water bubble out on your whites! Chocolate you say? Yes. Just....because. 1 for 5 little bars of chocolate raspberry ruffle bars. Anyway this came from the change in my purse which I'd not touched this week.

    I may have to pop out again shortly to Tesco as I have company tomorrow and need a few little bits but it'll come out of my grocery budget for the coming week and I'll look for bargains!

    I made a double meal again tonight...a tasty bolognase style sauce using up a green chilli, a solo onion left behind, some garlic, left over mushrooms (no not from the garden), carton of basics chopped tomatoes (rinsed carton with cold water and tipped into pan to get every little bit of tomato!) and I used red lentils instead of soya mince. Popped in a couple of teaspoons of bouillon power and simmered for 30 minutes....it thickened up nicely and was lovely spooned over some wholemeal pasta spirals.

    So I now have two meals in the freezer for next week, and I've planned up till Tuesday anyway....just need to work out how to make up the rest of the week on a tight budget. I've had elevated blood pressure this year (I wonder why.....) so I am trying to have as many potassium rich meals as I can to try and help bring it down so that's a consideration for the meal plan too.

    I'm staying in tonight may watch a dvd or tv film and get to bed at a decent time so I can make the most of tomorrow before the week starts all over again.

    I had 2 left on my lottery online account (won't be adding to that again any time soon) so I have bought a ticket....I'd be delighted with a 25 win let alone anything else!

    OK I'm off to Tesco. Bye for now.
    • FiftyQuid
    • By FiftyQuid 14th Oct 18, 10:07 AM
    • 16 Posts
    • 32 Thanks
    FiftyQuid
    Happy Sunday.

    I've started the day off well by changing my tariff on my mobile. I'm on 02 and I've reduced the data & minutes to save about 6 a month, starting next month.

    Going to do some free home diy treats shortly.....wash & condition hair (leaving conditioner on for ages), self 'manicure' and some TLC on my tootsies. Body scrub that I have hanging around followed by some body lotion. Then I have someone coming over and I'll make us a simple lunch and hopefully have a nice afternoon talking. Not planning on going out so this *should* be a no spend day.
    • redmel1621
    • By redmel1621 14th Oct 18, 12:01 PM
    • 5,923 Posts
    • 25,667 Thanks
    redmel1621
    You seem very determined and are making a great start - well done.
    Unless someone like you cares a whole awful lot,
    Nothing is going to get better. It's not.

    • FiftyQuid
    • By FiftyQuid 14th Oct 18, 4:45 PM
    • 16 Posts
    • 32 Thanks
    FiftyQuid
    Thanks redmel - it's nice to have some encouragement! (Edit: and I have had a no spend day!)
    Last edited by FiftyQuid; 14-10-2018 at 5:05 PM.
    • Scott-Weiland
    • By Scott-Weiland 16th Oct 18, 2:30 AM
    • 313 Posts
    • 681 Thanks
    Scott-Weiland
    Thanks Scott for the eBay tip. I hadn't thought of that so I'll keep that in mind.
    Originally posted by FiftyQuid
    https://reward.ebay.co.uk/rwdwebui/nectar/cobranded

    No bother every little helps and all that debt busting is a baby steps journey
    Cashback Earnings Ish YTD 74.66 Survey Earnings YTD Ish 550.84
    "We are what we repeatedly do. Excellence then, is not an act, but a habit."
    Qmee 46.60 Since 3/11/2018
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