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  • FIRST POST
    • Buffythedebtslayer
    • By Buffythedebtslayer 2nd Jan 20, 1:29 PM
    • 16,077Posts
    • 56,458Thanks
    Buffythedebtslayer
    Buffy takes it 6 months at a time
    • #1
    • 2nd Jan 20, 1:29 PM
    Buffy takes it 6 months at a time 2nd Jan 20 at 1:29 PM
    Hello Everyone,

    I have now been out of debt for 5 months due mainly to a tax rebate and some PPI money plus me actually using a budget especially for Christmas and the summer AND sticking to it for the first time ever.

    Life itself is very unpredictable here so I don't want to set out a grand plan and have it fall apart due to circumstances beyond my control. I am doing six months at a time at the moment. My main goals for the year are 10,000 in savings for a deposit(plus 5400 in the help to buy), have a partner, and be organised with a house that welcomes guests.

    for the first six months I am aiming to,

    1. 5000 in savings (for the deposit, separate to the other savings - a tall order but I do have to get serious now)
    2. A completely tidy house with a usable shed, all rooms with a purpose, all de-cluttered and organised.
    3. Weigh 160 pounds
    4. A holiday planned.
    5. Spent at least 6 nights away from home.
    6. Gone on 3 dates. Minimum.
    7. Run the 10 KM (Well walked it! but done it!)

    I am trying to work out how best to do the savings.. but now I need to go do things re house!

    I really wouldn't be here with my friends here so thank you all very much for your love and support, it has been crucial.

    Love Buffy XX
    Debt Free as of 26/07/19 (third time is the charm!)
    House Savings target 0/5000, H2B 3000/5400, General savings 700 a month
Page 2
    • beanielou
    • By beanielou 13th Jan 20, 4:33 PM
    • 68,439 Posts
    • 312,659 Thanks
    beanielou
    I've read somewhere that when decluttering you should consider whether you'd take the item with you if you moved house. If the answer is no get rid of it.
    Originally posted by Sun Addict
    That's a good tip actually.
    Lou~ Debt free Wanabe No 55 DF 03/03/14. MFW. 14 months to mortgage freedom.
    **Credit card debt free 30/06/10~**
    **Weight loss 2 stone 11 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.***
    • Buffythedebtslayer
    • By Buffythedebtslayer 13th Jan 20, 10:29 PM
    • 16,077 Posts
    • 56,458 Thanks
    Buffythedebtslayer
    I've read somewhere that when decluttering you should consider whether you'd take the item with you if you moved house. If the answer is no get rid of it.
    Originally posted by Sun Addict
    I have been sort of doing that.....sort of

    Q1 would I pay money to have this moved?

    Q2 Would I want the love of my life to know I had owned this??







    None of this spark joy malarky!

    get rid of embarrassing !!!!! End of !

    Work is dreadful by the way. Didn't think I would make it through the horribly stressful day.

    Oh and I spent money. Couldn't get out of said shitty job early and the pet shop was shut, so I have had to bulk buy pet stuff 47.pounds from the internet. AND I picked up a parcel (bought before Christmas) and so bought my lunch for the week 9.44.

    Conservatory is now leaking in 4 places. Bit of a mare. Gasman coming tomorrow for boiler. Will work on conservatory next.

    Really worried about Mum, the treatment she had six months ago has somewhat suddenly worn off and she is quite poorly.

    Although things are sort of ok, it is all a bit hanging together with tissue paper, not even string.

    any how, just need to keep it together for the next four days.

    XXX
    Debt Free as of 26/07/19 (third time is the charm!)
    House Savings target 0/5000, H2B 3000/5400, General savings 700 a month
    • in need of direction
    • By in need of direction 14th Jan 20, 8:43 AM
    • 6,227 Posts
    • 39,096 Thanks
    in need of direction
    You can do this. Has your mum contacted whoever did the treatment?
    Mortgage at 01.01.14 119,481.83 today 64761.98 target 65,000 by 05/04/19 Offset fund today 946.16 target 1000 by 31/12/19
    Emergency fund 4266/5.5k & 200/200 cash.
    Weight 24/02/19 14st 7lb now 13st 5lb
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • doingitanyway
    • By doingitanyway 14th Jan 20, 6:06 PM
    • 5,030 Posts
    • 32,069 Thanks
    doingitanyway
    Sorry to hear about your mum. I hope this gets sorted soon.
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them.
    • beanielou
    • By beanielou 14th Jan 20, 6:24 PM
    • 68,439 Posts
    • 312,659 Thanks
    beanielou
    How is your mum today Buffster? xx
    Lou~ Debt free Wanabe No 55 DF 03/03/14. MFW. 14 months to mortgage freedom.
    **Credit card debt free 30/06/10~**
    **Weight loss 2 stone 11 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.***
    • crazy_cat_lady
    • By crazy_cat_lady 14th Jan 20, 6:49 PM
    • 5,346 Posts
    • 48,128 Thanks
    crazy_cat_lady
    Hope your mum is ok
    NST January #10 NSD = 10 Pay all your debt off by 2020 #56 832.98/10000
    • Buffythedebtslayer
    • By Buffythedebtslayer 14th Jan 20, 6:53 PM
    • 16,077 Posts
    • 56,458 Thanks
    Buffythedebtslayer
    Mum is a lot better now the stress of the boiler being fixed is over with. We have nice dinner today - a sign she is feeling better.

    Today was quite rough, I mean it was good - well better work wise, but my friend had his baby which is lovely but always makes me sad and feel emotional. Hey ho, can't go back. Push on.

    Now just three days to get through. XXX
    Last edited by Buffythedebtslayer; 14-01-2020 at 7:19 PM.
    Debt Free as of 26/07/19 (third time is the charm!)
    House Savings target 0/5000, H2B 3000/5400, General savings 700 a month
    • Buffythedebtslayer
    • By Buffythedebtslayer 14th Jan 20, 8:54 PM
    • 16,077 Posts
    • 56,458 Thanks
    Buffythedebtslayer
    Done all my chores. got some nice school work to to do.

    Cuddled rabbits and small piggies and dogs. did the tiniest bit of yoga.

    just checking bank and then to get on with work. XX
    Debt Free as of 26/07/19 (third time is the charm!)
    House Savings target 0/5000, H2B 3000/5400, General savings 700 a month
    • beanielou
    • By beanielou 14th Jan 20, 9:32 PM
    • 68,439 Posts
    • 312,659 Thanks
    beanielou
    Well done on the yoga xx
    Lou~ Debt free Wanabe No 55 DF 03/03/14. MFW. 14 months to mortgage freedom.
    **Credit card debt free 30/06/10~**
    **Weight loss 2 stone 11 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.***
    • Buffythedebtslayer
    • By Buffythedebtslayer 14th Jan 20, 10:01 PM
    • 16,077 Posts
    • 56,458 Thanks
    Buffythedebtslayer
    I spent money on Amazon.

    BUT

    it was cards for someone at work and a gift for the new baby. So NOT clutter. I am not allowed to buy ANY CLUTTERY stuff. MAKE DO.

    XXX
    Debt Free as of 26/07/19 (third time is the charm!)
    House Savings target 0/5000, H2B 3000/5400, General savings 700 a month
    • Buffythedebtslayer
    • By Buffythedebtslayer 16th Jan 20, 7:48 PM
    • 16,077 Posts
    • 56,458 Thanks
    Buffythedebtslayer
    Hello folks,

    About 8 years ago I opened a peer to peer account and I pay 10 pounds in every month( I had an initial amount at the start I think). The rules changed recently and in true Buffy style I ignored the emails and instead of re investing the money the paid back loan amount was just in a holding account and so I just took it out, it is a risk. I am still reinvesting the rest of it, but that 500 pounds is going into the savings account. I think I need to aim for enough money to replace the car, pay for vets and possibly deal with any US sister emergencies. As well as saving for the house. As much money as possible needs to go into the savings account. I have to be different. I think accidental savings definitely work for me. Bit like the accidental spending I do!

    I still have to do the returns for amazon but had to come home ill today and just feel washed out. I was suddenly and violently sick- I do mean suddenly, chatting with a friend and then HAD to leave!!

    I managed dinner. But don't feel great. Am again worried about Mum, she didn't cook enough pasta for dinner. I can't think of a time when she has ever done that. Too much is normally the problem. Now she has come in with her dinner and made too much. I hasten to add I have made dinner twice this week, she won't let me do it anymore often cos I am working two evenings a week. I might have to rethink that tho until she gets whatever meds she needs.

    There is a kid on the One Show who has achieved more in her life then me. hmm. inadequacy!! Am just about keeping body and soul together.

    I am going to watch Silent Witness and think about whether to go in tomorrow or not.


    XXX
    Debt Free as of 26/07/19 (third time is the charm!)
    House Savings target 0/5000, H2B 3000/5400, General savings 700 a month
    • crazy_cat_lady
    • By crazy_cat_lady 16th Jan 20, 9:56 PM
    • 5,346 Posts
    • 48,128 Thanks
    crazy_cat_lady
    Have a rest Buffster
    You may be infectious if you're being physically sick so best not to spread it about.
    NST January #10 NSD = 10 Pay all your debt off by 2020 #56 832.98/10000
    • Buffythedebtslayer
    • By Buffythedebtslayer 17th Jan 20, 1:12 PM
    • 16,077 Posts
    • 56,458 Thanks
    Buffythedebtslayer
    I did stay home. I went to bed last night thinking I would be going to work. But woke up this morning and things were very different!

    Been asleep all day. Weather is awful and i am cold and grumpy but going to have a shower and see if I can "get up" if only to snuggle on the sofa with a dog and a film. Think I need to get some milk tho. And move my car.

    hmmm. XXX
    Debt Free as of 26/07/19 (third time is the charm!)
    House Savings target 0/5000, H2B 3000/5400, General savings 700 a month
    • Sun Addict
    • By Sun Addict 17th Jan 20, 4:41 PM
    • 8,026 Posts
    • 60,544 Thanks
    Sun Addict
    Sounds like you've got the same bug Mr SA had. Hope you feel better soon xx
    Virtual Sealed Pot 2020 43.31
    Emergency Fund 3465/10,000
    • crazy_cat_lady
    • By crazy_cat_lady 17th Jan 20, 5:40 PM
    • 5,346 Posts
    • 48,128 Thanks
    crazy_cat_lady
    Hope you've rested lots and are feeling a little bit better now
    NST January #10 NSD = 10 Pay all your debt off by 2020 #56 832.98/10000
    • Buffythedebtslayer
    • By Buffythedebtslayer 17th Jan 20, 6:21 PM
    • 16,077 Posts
    • 56,458 Thanks
    Buffythedebtslayer
    I just feel a bit pathetic.

    All round. Hate being ill. Been asleep for most of the day, never made it out, fell back to sleep after I got up! Watched Death in Paradise. It was exciting.

    I was thinking that hate winter so much. It is dark and depressing and limiting. When you want to get out do something you can't.

    Roll on the bloody Summer. X
    Debt Free as of 26/07/19 (third time is the charm!)
    House Savings target 0/5000, H2B 3000/5400, General savings 700 a month
    • DancingInTheRain
    • By DancingInTheRain 17th Jan 20, 6:26 PM
    • 317 Posts
    • 1,149 Thanks
    DancingInTheRain
    Hope you feel better soon x
    01.06.19 Debt 13,636 - CC 8,687, Mum 4,949

    Now 9,910. 27.32% Paid - CC 5960, Mum 4,700. Reg Saver (Debt Offset) +750
    • beanielou
    • By beanielou 17th Jan 20, 6:52 PM
    • 68,439 Posts
    • 312,659 Thanks
    beanielou
    Hope you feel better soon xx
    Lou~ Debt free Wanabe No 55 DF 03/03/14. MFW. 14 months to mortgage freedom.
    **Credit card debt free 30/06/10~**
    **Weight loss 2 stone 11 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.***
    • Buffythedebtslayer
    • By Buffythedebtslayer 18th Jan 20, 12:29 AM
    • 16,077 Posts
    • 56,458 Thanks
    Buffythedebtslayer
    I am feeling ok now. But did this time last night as well!

    I have ordered stuff from amazon

    friend's little boy's birthday present
    plastic plants for fish tank
    Algae thing for fish tank
    Fish food for...the fish obviously....

    The present is already here, nothing else is coming for about 3 weeks!

    And nothing is clutter (I will by half term have 4 fish tanks set up)

    I have investigated buying a second hand fish tank - I need a stand for my tank, that costs 90 pounds new, however 5 minutes up the road a woman is selling a bigger tank and stand etc for 110. Amazing ! I am going to sort conservatory tomorrow and Sunday to make room and will then sell the current tank.

    I was also looking at holidays. I want to go to Paris, Amsterdam and Brussels. Preferably by train. At various points before July.

    So house done by end of March. weekends away from April to July.

    Experiences, not things.

    XXXXX
    Debt Free as of 26/07/19 (third time is the charm!)
    House Savings target 0/5000, H2B 3000/5400, General savings 700 a month
    • beanielou
    • By beanielou 18th Jan 20, 9:37 AM
    • 68,439 Posts
    • 312,659 Thanks
    beanielou
    Experiences not things sound good to me xx
    Lou~ Debt free Wanabe No 55 DF 03/03/14. MFW. 14 months to mortgage freedom.
    **Credit card debt free 30/06/10~**
    **Weight loss 2 stone 11 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.***
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