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  • FIRST POST
    • louby40
    • By louby40 17th Jun 16, 7:57 AM
    • 1,161Posts
    • 3,176Thanks
    louby40
    Round and round the overdraft....soon to be no more
    • #1
    • 17th Jun 16, 7:57 AM
    Round and round the overdraft....soon to be no more 17th Jun 16 at 7:57 AM
    Having lurked and read quite a few diaries I thought I'd start my own. If it's down on paper then I can read back and see my progress (or not)

    My debts aren't massive but my bugbear is my overdraft as I do believe if I can get that sorted everything else will fall into place

    My debts are:

    £400-500 overdraft every month PAID
    £970 cc now £250 Oct 17
    £5500 left on my car loan (ends in Jan 2019) now £3084 Oct 17
    £106,000 mortgage at £600 pm now £95,805 Oct 17
    £6500 bank of mum and dad PAID

    I have £150 in an emergency fund

    I'm just in the process of moving my current account to First Direct to take advantage of their £250 free overdraft service and £100 incentive to switch. I need to keep my o/d under the £250 and slowly begin to chip away.

    My over spends are having 2 very tall teenage boys who eat a lot and extra trips to the supermarket. I also treat myself to a manicure/gel polish every month.

    I'm a single mum and work as a teacher so I buy stuff for my class, extra craft bits, second hand books from Amazon, it soon mounts up.

    I also need to be stricter with my boys and refuse the £2.50 they ask for lunch everyday.

    I shop in Aldi and cook a lot from scratch - my slow cooker is my saviour!

    I need to keep a strict spending diary and stop buying unnecessary things.
    Last edited by louby40; 29-10-2017 at 3:56 PM.
    Parent loan PAID IN FULL
    Emergency fund £670/£1000. Christmas savings £50/£600 Car maintenance £50/600
    Kitchen July £12,493 OCT £10,493. 18% paid off
    Barclaycard £233
    Car loan £2890 Mortgage £95,391
    TOTAL DEBT (with mortgage) = £109,024 (without mortgage) = £13,633
Page 32
    • Cumbria lass
    • By Cumbria lass 28th Oct 17, 10:12 AM
    • 789 Posts
    • 3,782 Thanks
    Cumbria lass
    Don't forget to claim money for late train arrival. With virgin if you pay on a card they refund it automatically. Sounds like a lovely day , I love London .
    Nov 2017 CC1 £3329 CC2 £600

    Debt Free Nov 2019: earlier if I have my way
    • louby40
    • By louby40 28th Oct 17, 12:58 PM
    • 1,161 Posts
    • 3,176 Thanks
    louby40
    CL, DP paid on his card, it's £10.55 each so not a lot but we aren't turning our nose up at it.

    Claimed my second £50 from YouGov - that's £100 now since I started it just over a year ago. It's gone staright to my CC which is now only £250.

    Opinium is at £16 (£25 payout) and OnePoll is at £36 (£40 payout) I could still be waiting for them in 2018

    Aldi shop was under £50 but we forgot to buy wraps and they didn't have any porridge so another shopping trip tomorrow.

    Very lazy day, washer is on and tidying up. Can't believe half term is nearly over.
    Parent loan PAID IN FULL
    Emergency fund £670/£1000. Christmas savings £50/£600 Car maintenance £50/600
    Kitchen July £12,493 OCT £10,493. 18% paid off
    Barclaycard £233
    Car loan £2890 Mortgage £95,391
    TOTAL DEBT (with mortgage) = £109,024 (without mortgage) = £13,633
    • Scott_Weiland
    • By Scott_Weiland 28th Oct 17, 1:35 PM
    • 627 Posts
    • 1,511 Thanks
    Scott_Weiland
    It would be good if you could get opinium research to drop to drop soon, re them what they do is once you hit the 25 market they usually a week later send you a request form thing.

    At that point you can specify how you want the money ie paypal or specify your bank details etc from here its usually upto a week to ten days and you will have the funds. I just wish one poll worked at the same speed ie 4-6 weeks.

    I am at 138.75 on opinium so i am a veteran lol.
    Debts 15981.64 total paid 2078
    Cashback Earnings YTD £167.10 Survey Earnings YTD £535.12
    • louby40
    • By louby40 28th Oct 17, 2:12 PM
    • 1,161 Posts
    • 3,176 Thanks
    louby40
    Scott, I've paid the majority of my credit card off with either top cash back payouts or survey payments. It's great! I only tend to do those 3 really (plus PA) as i hate the ones where they kick you off after giving them loads of info and spending 15 minutes sat at the laptop.

    I don't mind surveys if they are fair!
    Parent loan PAID IN FULL
    Emergency fund £670/£1000. Christmas savings £50/£600 Car maintenance £50/600
    Kitchen July £12,493 OCT £10,493. 18% paid off
    Barclaycard £233
    Car loan £2890 Mortgage £95,391
    TOTAL DEBT (with mortgage) = £109,024 (without mortgage) = £13,633
    • Scott_Weiland
    • By Scott_Weiland 28th Oct 17, 2:25 PM
    • 627 Posts
    • 1,511 Thanks
    Scott_Weiland
    Yeah i will be honest these days i tend just to use this lot

    PA
    Opinion outpost
    Yougov
    Opinium Research
    Power of Opinions
    One Poll

    Swagbuck but thats getting a bit like that you get half way through then booted but at least you get one sb.

    The rest are pains in the backside
    Debts 15981.64 total paid 2078
    Cashback Earnings YTD £167.10 Survey Earnings YTD £535.12
    • louby40
    • By louby40 28th Oct 17, 4:58 PM
    • 1,161 Posts
    • 3,176 Thanks
    louby40
    Just signed up for Power of Opinion’s - hoping this one moves quick.

    Still got £50 outstanding on TCB but don’t think that will pay out for 4-5 months.
    Parent loan PAID IN FULL
    Emergency fund £670/£1000. Christmas savings £50/£600 Car maintenance £50/600
    Kitchen July £12,493 OCT £10,493. 18% paid off
    Barclaycard £233
    Car loan £2890 Mortgage £95,391
    TOTAL DEBT (with mortgage) = £109,024 (without mortgage) = £13,633
    • louby40
    • By louby40 29th Oct 17, 8:19 AM
    • 1,161 Posts
    • 3,176 Thanks
    louby40
    Love it when the clocks go back......until later when it goes dark at 5 pm

    Sorted out our meal plan for the next few days

    Sun - paprika & chiorizo chicken and rice
    Mon - frozen fish, chips & mushy peas
    Tue - no kids so it’s ‘wing it’ night - egg on toast ?
    Wed - chicken casserole & mash
    Thur - savoury mince and rice

    Friday is yet to be decided as we again have no children.
    Parent loan PAID IN FULL
    Emergency fund £670/£1000. Christmas savings £50/£600 Car maintenance £50/600
    Kitchen July £12,493 OCT £10,493. 18% paid off
    Barclaycard £233
    Car loan £2890 Mortgage £95,391
    TOTAL DEBT (with mortgage) = £109,024 (without mortgage) = £13,633
    • louby40
    • By louby40 29th Oct 17, 3:26 PM
    • 1,161 Posts
    • 3,176 Thanks
    louby40
    I actually managed to get to the gym this morning - I havent been for close to 2 months. My hormones have been terrible and now I'm on HRT things seem to have settled down. I had an horrendous cough & cold for 3 weeks which made me feel terrible, then I had a week of toothache. Hopefully that's it and I can get back to exercising.

    Spends have been high this week, it's half term so I always seem to spend more.

    Mon - £9.99 in the Co-op
    Tues - £35.70 dentist
    £10.50 school shirts Asda
    £9.43 Morrisons
    £3 chips
    Wed, Thur, Fri - London - spent £156.55
    Sat - £49.76 - Aldi
    £40 petrol
    Sun - £27.73 Morrisons (inc a bottle of Bacardi as on offer £16)

    Total spends = £186.11 inc London £342.66 -eeek!!

    Back to normal next week with limited spending!
    Parent loan PAID IN FULL
    Emergency fund £670/£1000. Christmas savings £50/£600 Car maintenance £50/600
    Kitchen July £12,493 OCT £10,493. 18% paid off
    Barclaycard £233
    Car loan £2890 Mortgage £95,391
    TOTAL DEBT (with mortgage) = £109,024 (without mortgage) = £13,633
    • Honeysucklelou2
    • By Honeysucklelou2 29th Oct 17, 9:41 PM
    • 482 Posts
    • 1,756 Thanks
    Honeysucklelou2
    Half term does seem to have gone so quickly! Hope the next half goes well for you.
    paydbx #90 £475/£10,000.
    Loan £17k - paid off in Aug 2017. Home improvement loans £3342 March 2017. £3206 in Oct 17
    • louby40
    • By louby40 30th Oct 17, 7:40 AM
    • 1,161 Posts
    • 3,176 Thanks
    louby40
    Thanks Honey, busy time with the ‘glitter’ season as you well know.

    I also have parents evening, my class assembly, another lesson observation and the usual book scans, learning walks and assessments. Oh and some teaching

    Who’d be a teacher eh
    Parent loan PAID IN FULL
    Emergency fund £670/£1000. Christmas savings £50/£600 Car maintenance £50/600
    Kitchen July £12,493 OCT £10,493. 18% paid off
    Barclaycard £233
    Car loan £2890 Mortgage £95,391
    TOTAL DEBT (with mortgage) = £109,024 (without mortgage) = £13,633
    • SpekySquarehead
    • By SpekySquarehead 3rd Nov 17, 8:44 AM
    • 1,735 Posts
    • 13,599 Thanks
    SpekySquarehead
    Morning Louby, just catching up now.

    Glad you enjoyed your trip to London, although the journey back could've been smoother. I had to claim for a delayed train with Northern Rail and they made it soooooo difficult to do.

    Good to hear you're feeling much more like yourself. Just in time for a manic period!
    Debt Free Date: 29/09/16
    • Honeysucklelou2
    • By Honeysucklelou2 3rd Nov 17, 8:53 PM
    • 482 Posts
    • 1,756 Thanks
    Honeysucklelou2
    Have to smile Louby...how true! I've got parents evenings out of the way but obs, learning walks and the rest all filling up November!
    paydbx #90 £475/£10,000.
    Loan £17k - paid off in Aug 2017. Home improvement loans £3342 March 2017. £3206 in Oct 17
    • Cumbria lass
    • By Cumbria lass 3rd Nov 17, 10:13 PM
    • 789 Posts
    • 3,782 Thanks
    Cumbria lass
    Who said teachers had an easy life! Respect to you louby , sounds like a busy time .
    Nov 2017 CC1 £3329 CC2 £600

    Debt Free Nov 2019: earlier if I have my way
    • louby40
    • By louby40 5th Nov 17, 1:35 PM
    • 1,161 Posts
    • 3,176 Thanks
    louby40
    Busy week at school and I’ve worked a lot this weekend too.

    Meal plan for the week:
    Sun - chicken fajitas
    Mon - beef casserole
    Tues - wing it night
    Wed - pizza ( I’m at parents eve)
    Thur - chicken & leek bake

    Spending has been low

    Mon - NSD (12th for October)
    Tue - £23 hair cut
    Wed - £8.44 Morrisons
    Thur - £5.89 BM
    Fri - £5 cash
    £46.14 Aldi
    Sat - NSD (1)
    Sun - NSD (2)

    Total = £87.43

    Next week is a similar quiet/low spend week.
    Parent loan PAID IN FULL
    Emergency fund £670/£1000. Christmas savings £50/£600 Car maintenance £50/600
    Kitchen July £12,493 OCT £10,493. 18% paid off
    Barclaycard £233
    Car loan £2890 Mortgage £95,391
    TOTAL DEBT (with mortgage) = £109,024 (without mortgage) = £13,633
    • Honeysucklelou2
    • By Honeysucklelou2 6th Nov 17, 7:16 PM
    • 482 Posts
    • 1,756 Thanks
    Honeysucklelou2
    Hope all your parent evening appointments run to time!
    paydbx #90 £475/£10,000.
    Loan £17k - paid off in Aug 2017. Home improvement loans £3342 March 2017. £3206 in Oct 17
    • SpekySquarehead
    • By SpekySquarehead 7th Nov 17, 9:00 AM
    • 1,735 Posts
    • 13,599 Thanks
    SpekySquarehead
    Out of curiosity, do you buy your weekly shop in on a Friday? I usually go on a Sunday but I can see the attraction of knowing your cupboards are full over the weekend.

    Hope you're well.
    Debt Free Date: 29/09/16
    • louby40
    • By louby40 7th Nov 17, 9:30 PM
    • 1,161 Posts
    • 3,176 Thanks
    louby40
    Hi Speky, we usually do our food shop either Friday after work or Saturday morning. We do our weekly meal plan before we go after looking through the cupboards/freezer etc and working out whose where and who needs a meal.

    My eldest son comes over Fri-Sun (he’s been living with his dad as it’s closer to his job) and DP daughter sometimes stays here on a Saturday so we need to be organised. Although sayng that sometimes we cook a meal for 5 and everyone decides to go out/ eat a takeaway or have something delivered!!! Then me and DP end up eating left overs for 3 days.
    Parent loan PAID IN FULL
    Emergency fund £670/£1000. Christmas savings £50/£600 Car maintenance £50/600
    Kitchen July £12,493 OCT £10,493. 18% paid off
    Barclaycard £233
    Car loan £2890 Mortgage £95,391
    TOTAL DEBT (with mortgage) = £109,024 (without mortgage) = £13,633
    • SpekySquarehead
    • By SpekySquarehead 10th Nov 17, 9:22 AM
    • 1,735 Posts
    • 13,599 Thanks
    SpekySquarehead
    I think I may adopt a similair approach actually, one less thing to do at the weekend.

    Meant to ask, how's the toothache?
    Debt Free Date: 29/09/16
    • louby40
    • By louby40 11th Nov 17, 8:02 PM
    • 1,161 Posts
    • 3,176 Thanks
    louby40
    Speky my tooth is great! Root canal worked a treat.

    Work has been crazy busy, parents evening was good and my Year 1’s did a fabulous class worship for their parents.

    Next week is a lesson observation with the head and maths coordinator so I’m trying to plan an interesting lesson. Plus we have started learning our Christmas nativity songs.

    It’s a busy time for primary schools.
    Parent loan PAID IN FULL
    Emergency fund £670/£1000. Christmas savings £50/£600 Car maintenance £50/600
    Kitchen July £12,493 OCT £10,493. 18% paid off
    Barclaycard £233
    Car loan £2890 Mortgage £95,391
    TOTAL DEBT (with mortgage) = £109,024 (without mortgage) = £13,633
    • louby40
    • By louby40 14th Nov 17, 9:46 PM
    • 1,161 Posts
    • 3,176 Thanks
    louby40
    Trying not to drown under a mountain of work. Fed up of working until 7-8pm every night. Once my lesson observation is over on Thursday I’m easing off for a few days.

    Roll on the Christmas break.
    Parent loan PAID IN FULL
    Emergency fund £670/£1000. Christmas savings £50/£600 Car maintenance £50/600
    Kitchen July £12,493 OCT £10,493. 18% paid off
    Barclaycard £233
    Car loan £2890 Mortgage £95,391
    TOTAL DEBT (with mortgage) = £109,024 (without mortgage) = £13,633
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