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  • FIRST POST
    • fruitloop04
    • By fruitloop04 25th Aug 17, 8:15 PM
    • 146Posts
    • 432Thanks
    fruitloop04
    Reigning it in!
    • #1
    • 25th Aug 17, 8:15 PM
    Reigning it in! 25th Aug 17 at 8:15 PM
    Someone suggested in my 'light bulb moment' post that I should write a diary on here to keep on top of my spending. After reading a few people's inspiration diary's I think it is a plan!!

    So, my debt has literally come about by my spending getting out of control. Simple. I had what I wanted, whether I could afford it or not.

    I have tried to delve in to why this has happened as I never used to be so frivolous. (I will try and keep the sob story to a minimum). My parents never had much money when we were growing up but we had a lovely childhood and never really went without. It never occurred to me when I was growing up my parents were struggling. My sister had to bail my parents out once when my parents card got declined for the food shop - that is when I started to understand.

    My parents worked hard and got us through uni, they must have had nothing for themselves to do this. At uni I never spent anything because I realised - my family never did. Shopping was not a recreation activity for us but we had some amazing times in the local countryside Then I finished uni and got a job that was minimum wage - the frugalness continued. Then I got a promotion...and then another one..I suddenly had money and in eyes I could have what ever I wanted!!

    Which leads us to my debt today (I think). I know I can get my debt under control relatively quickly. I just need to be tough with myself and say NO.

    This diary is to record what I spend and to hold myself accountable.

    If no one chips in that is fine but please do if you want to! I thrive on encouragement and also someone being honest with me. I am very much an all or nothing person but I am going to make myself commit to this
    16.08.2017 CC 1 - £2050 £1603.47 CC 2 - £1766.82 £1163.36 Emergency savings: £1000/£6000
    Mortgage - April 2017 £153,000 £149,954
    Debt free by xmas: 1070.86/1500
    (Non Mortgage) Debt Free Date: August 2018
Page 2
    • too_much_debt
    • By too_much_debt 29th Aug 17, 8:31 AM
    • 3,178 Posts
    • 4,568 Thanks
    too_much_debt
    Good luck with the debt busting!

    TMD
    Sealed Pot Challenge #64

    2017 - £76.80 so far
    • fruitloop04
    • By fruitloop04 30th Aug 17, 9:25 AM
    • 146 Posts
    • 432 Thanks
    fruitloop04
    Good luck with the debt busting!

    TMD
    Originally posted by too_much_debt
    Thank you!

    Yesterday was a NSD I have also signed up for September's NSD challenge for 10 NSD's which will be either side of my holiday. Hoping this will keep me motivated!

    Will need to get petrol today and a new notebook for work (small company - have to buy my own stationary!) so not a NSD. I am taking my own lunch to work though the left over lasagna mince with some cheese on top.

    I have decided to set mini goals for CC2 - the one I still spend on as it is a reward credit card. I am hoping by the end of September, after I have paid as much as I can off it on pay day, to have £1,300 on it. That is roughly the equivalent of spending £200 on it for the month and paying £400 off it. If I can spend less I would be happy but will be putting some money on it on the UK sides of journey (food and petrol stops) but will be sensible and hopefully this extra spending can come out of the holiday fund, but need to prioritise CC3 will is halifax's clarity card that needs to be paid off in the same month. It is going to be tight but I think we will be able to do this as we are not going to go mad like we usually do! I can always use some emergency savings if needed. I feel very focused!
    16.08.2017 CC 1 - £2050 £1603.47 CC 2 - £1766.82 £1163.36 Emergency savings: £1000/£6000
    Mortgage - April 2017 £153,000 £149,954
    Debt free by xmas: 1070.86/1500
    (Non Mortgage) Debt Free Date: August 2018
    • fruitloop04
    • By fruitloop04 30th Aug 17, 8:36 PM
    • 146 Posts
    • 432 Thanks
    fruitloop04
    So definitely not a NSD for me. I got petrol for £25 and then went to Sainsbury's...got a notepad and a crossword book for the OH's gran. I also got 4 boxes of cereal bars for £4 for the holiday - we should be fine to have a snack of 1 a day so we don't spurge on expensive snacks in europe! I also bought a set of baking trays that are heavy duty - half price and a few other bits for holiday (mints for car etc). Our trays are going rusty and I was thinking about getting some anyway. Set of 3 was £10.50...when I got home there was only 2!!! Going to take them back tomorrow but I hope they believe me!! So total is £25 on petrol and £27 in Sainsburys. Hoping for a NSD tomorrow
    16.08.2017 CC 1 - £2050 £1603.47 CC 2 - £1766.82 £1163.36 Emergency savings: £1000/£6000
    Mortgage - April 2017 £153,000 £149,954
    Debt free by xmas: 1070.86/1500
    (Non Mortgage) Debt Free Date: August 2018
    • fruitloop04
    • By fruitloop04 31st Aug 17, 7:04 PM
    • 146 Posts
    • 432 Thanks
    fruitloop04
    Sainsbury's let me exchange the baking tray set The third baking tray is flat and isn't really attached to other 2 and they said they have had a lot of problems with them coming loose so that is good! Managed a NSD today too literally walked in to the customer service desk and then straight back out so couldn't get sucked in to buying something I didn't need. I was going to buy green beans to go with the fish from the freezer today but popped in to parents yesterday and my Mom picked me some of her runner beans so we will have those instead!

    I will need to go and do a shop after work tomorrow - need food to last us until Monday before we go away. There isn't much in the freezer now as I have been trying to get it down for a while to defrost it. Someone mentioned in another thread about a frugal food thread...will try and find where this is! I am hoping for at least one NSD day over the weekend but do need to go to town on Saturday to pick up my holiday clothes. I am thinking about picking them up on Saturday and then taking what I don't want/need back on Sunday so it goes back on my CC quickly.

    My sister also has given my some belated euro's for my birthday so we can have a meal on her during the holidays!

    I am looking forward to my holiday but I am worried about getting carried away and not being able to afford to pay CC3 (travel CC) off in the same month. I need to remain focused!

    I have been thinking about when my debt free debt will be. If I continue to pay CC1 at the rate of £175/month I should be debt free by September 2018. CC2 has slightly less on it but is still in use so I think 09/18 is a reasonable date - but if I clear it before even better!
    16.08.2017 CC 1 - £2050 £1603.47 CC 2 - £1766.82 £1163.36 Emergency savings: £1000/£6000
    Mortgage - April 2017 £153,000 £149,954
    Debt free by xmas: 1070.86/1500
    (Non Mortgage) Debt Free Date: August 2018
    • fruitloop04
    • By fruitloop04 1st Sep 17, 8:29 PM
    • 146 Posts
    • 432 Thanks
    fruitloop04
    Made a shopping list for breakfast, lunch and dinners until Monday last night and ended up going via Aldi, Lidl and Sainsbury's to get it all lol I have ended up spending quite a bit (need to find the receipts I have shoved in my bag for true amount) as I spent £5.79 on beer It is officially holiday time now though!!!

    Just found 2 of the receipts, not sure where the other one has gone! Think that one was about £6. So £5.60 in Sainsburys and £6.70 in Lidl makes it approximately £18 for 3 days worth of food and drink, £12 without the booze Will need to try and kick this habit when I am back from holiday!

    One of holiday clothing packages have arrived today...2 items are going back with one successful! So that is £26.25 for a cardigan for holiday. Picking up the other 2 parcels tomorrow. The other cardigan is a chunky knit one that may be good for the evening...but it is £49! I have received a 15% voucher through the post though so may ask them to take it back and rebuy it with the 15% off

    Need to be organised tomorrow so this is my list to do:
    • Put a wash on
    • Strip the bed & put in another wash
    • Pick up parcels
    • Decide on which one's to keep and which one's are going back
    • Go to bank appointment in town at 2pm
    • Start packing!

    I am hoping for a NSD tomorrow as I am going to use my boots points to get some sun cream and some body spray
    16.08.2017 CC 1 - £2050 £1603.47 CC 2 - £1766.82 £1163.36 Emergency savings: £1000/£6000
    Mortgage - April 2017 £153,000 £149,954
    Debt free by xmas: 1070.86/1500
    (Non Mortgage) Debt Free Date: August 2018
    • fruitloop04
    • By fruitloop04 2nd Sep 17, 3:19 PM
    • 146 Posts
    • 432 Thanks
    fruitloop04
    So DEFINITELY not a NSD day today I bought the sun cream from Asda in the end at was £4 in there and £6 in boots.. I know I could have used the points in boots but still didn't like I could get it cheaper elsewhere! Got some binbags and body spray too which were £4.49 in total. I also bought a play suit at £15, it is for holiday though and have ended up sending everything I ordered online back. I also had a pasty and cookie in town...NOT GOOD (but, it was tasty...)

    Put a wash on - Done and hung up!
    Strip the bed & put in another wash - Bed stripped and re-made but not put in wash as no room to hang it yet!
    Pick up parcels Done!
    Decide on which one's to keep and which one's are going back Was cheeky and asked to try them straight on in the changing room and they promptly asked for a refund on everyone!
    Go to bank appointment in town at 2pm Done! I piggy bank with several banks and this bank is my holiday account. When I plundered my account they said they have an account that has no monthly fee but pays 5% interest. Have switched
    Start packing! Need to do this but a lot of the clothes I need to pack are drying doh!!

    I popped in to Halifax to ask if I need to do anything with my halifax clarity travel CC and apparently you have to tell them every country you are going to be in and what date otherwise the card will get declined! Really glad I asked otherwise would have been screwed as only have a few euros! Anyway...now to pack!
    16.08.2017 CC 1 - £2050 £1603.47 CC 2 - £1766.82 £1163.36 Emergency savings: £1000/£6000
    Mortgage - April 2017 £153,000 £149,954
    Debt free by xmas: 1070.86/1500
    (Non Mortgage) Debt Free Date: August 2018
    • fruitloop04
    • By fruitloop04 3rd Sep 17, 9:33 AM
    • 146 Posts
    • 432 Thanks
    fruitloop04
    Managed to pack what I could yesterday, just need to add the bits once they are dry and things like toiletries and make up. Need to blitz the house today - it is always nice when you walk in from holiday and its clean (apart from dust!) and tidy. Will do the garden tomorrow as it is raining now! Have some bulbs to put in and need to mow the lawn.

    Will be a NSD day today as not leaving the house. Finally!

    I did get a bit down yesterday when I was packing, looking at all my lovely clothes that just simply do not fit me anymore. I have put on quite a lot of weight over the last couple of years. Probably 2 stone heavier then I should be I will tackle this when I come back off my holiday. I paid £150 for Joe Wick's programme, started doing it then fell off the wagon. Will gt back on it and use the programme otherwise it is a waste of £150!! The food is a bit more expensive but will try and pick recipes that have similar ingredients so there is no waste.

    Nothing else to report really, need to keep posting to keep me focussed. I think my diary is really boring sorry!
    16.08.2017 CC 1 - £2050 £1603.47 CC 2 - £1766.82 £1163.36 Emergency savings: £1000/£6000
    Mortgage - April 2017 £153,000 £149,954
    Debt free by xmas: 1070.86/1500
    (Non Mortgage) Debt Free Date: August 2018
    • redofromstart
    • By redofromstart 3rd Sep 17, 9:51 AM
    • 400 Posts
    • 2,060 Thanks
    redofromstart
    I popped in to Halifax to ask if I need to do anything with my halifax clarity travel CC and apparently you have to tell them every country you are going to be in and what date otherwise the card will get declined!
    Originally posted by fruitloop04
    I didn't, and it didn't! I think you can do it online if that is easier.

    Have a lovely holiday
    • fruitloop04
    • By fruitloop04 3rd Sep 17, 5:02 PM
    • 146 Posts
    • 432 Thanks
    fruitloop04
    I didn't, and it didn't! I think you can do it online if that is easier.
    T
    Have a lovely holiday
    Originally posted by redofromstart
    Thanks redofromstart, it made me panic! I have put the info on my internet banking just in case.

    Managed to do most of the house today, apart from cellar, which is the 'man den'. Massive spider roaming around so staying well clear! Just need to dust tomorrow and then I am done! Pretty much now fully packed apart from the few things I will need in the morning. I keep forgetting it is actually Tuesday not tomorrow albeit at 2am on Tuesday so might as well be tomorrow!

    NSD today spent quite a lot of time on here this morning getting ideas for saving. Hoping to keep it up whilst away and definitely getting back on it when Internet back after surveying the damage. Having a roast around my parents tonight -no one does a roast like my Mom!

    Annoyingly going to have to do a big shop when we get back - running out of cleaning products, sandwich bags, foil and the freezer is nearly empty! That reminds me to pack kitchen roll!

    Hoping for another NSD tomorrow x
    16.08.2017 CC 1 - £2050 £1603.47 CC 2 - £1766.82 £1163.36 Emergency savings: £1000/£6000
    Mortgage - April 2017 £153,000 £149,954
    Debt free by xmas: 1070.86/1500
    (Non Mortgage) Debt Free Date: August 2018
    • fruitloop04
    • By fruitloop04 4th Sep 17, 5:50 PM
    • 146 Posts
    • 432 Thanks
    fruitloop04
    NSD today yay! I am not counting the £70 we had to pay in to-be-installed parking permit in our area It won't change how or where we park and now pay £70 a year for the privalege. We voted against it but I guess other people decided it would be a good idea...Thanks neighbours! The £70 has come from out joint bank account.

    We go on our holidays tomorrow (2am ) and have a 4 hour drive to Calais and then 5 hours to our first stop in France. I have tried to use up everything in the fridge and will hard boil the eggs we have left to eat on the journey. My OH won't eat them but I will Need to remember to put the last of the bread in the freezer for when we get back too.

    I will try and update my diary at points during the holiday to keep me in check with my money savings!
    16.08.2017 CC 1 - £2050 £1603.47 CC 2 - £1766.82 £1163.36 Emergency savings: £1000/£6000
    Mortgage - April 2017 £153,000 £149,954
    Debt free by xmas: 1070.86/1500
    (Non Mortgage) Debt Free Date: August 2018
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 4th Sep 17, 7:22 PM
    • 464 Posts
    • 1,802 Thanks
    wishingthemortgaheaway
    Have a great holiday.
    The 100 payment countdown (each payment = £400)
    2017 July : £36,800 8/100 August: £36,411.85 8/100 September: £35,945.66 10/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • fruitloop04
    • By fruitloop04 4th Sep 17, 7:48 PM
    • 146 Posts
    • 432 Thanks
    fruitloop04
    Have a great holiday.
    Originally posted by wishingthemortgaheaway
    Thank you - off to bed now lol
    16.08.2017 CC 1 - £2050 £1603.47 CC 2 - £1766.82 £1163.36 Emergency savings: £1000/£6000
    Mortgage - April 2017 £153,000 £149,954
    Debt free by xmas: 1070.86/1500
    (Non Mortgage) Debt Free Date: August 2018
    • fruitloop04
    • By fruitloop04 10th Sep 17, 5:29 PM
    • 146 Posts
    • 432 Thanks
    fruitloop04
    Just checking in enjoying the holiday so far although the weather has been a bit up and down! I think we have struck a good balance so far this week of enjoying ourselves but not going mad. We just had a cheap meal of a beer and pizza last night but tonight we are having a nicer meal so generally the food is evening out. I keep forgetting to take the cereal bars out with us though - so annoying as I bought 5 boxes haha!

    The travel credit card is good - the only thing is it is hard to keep track of how much we have spent because it takes a couple of days to update. Need to keep an eye on it to make sure we can pay it off in one month before fees.

    I need to keep an eye on the pennies, I have found the last couple of days I have slipped a bit and had a beer and gelato where I didn't really need it. I don't need a gelato everyday! Coming on here for a bit before we go to dinner has helped me focus again. We can still have a good time but don't need to break the bank
    16.08.2017 CC 1 - £2050 £1603.47 CC 2 - £1766.82 £1163.36 Emergency savings: £1000/£6000
    Mortgage - April 2017 £153,000 £149,954
    Debt free by xmas: 1070.86/1500
    (Non Mortgage) Debt Free Date: August 2018
    • fruitloop04
    • By fruitloop04 13th Sep 17, 6:19 PM
    • 146 Posts
    • 432 Thanks
    fruitloop04
    My mind is turning back to what I have to do at home/work already and we are not back until Sunday!

    I am going to put all my unused beauty products on e of bay, there are quite a lot! Does anyone know if you can put on used beauty products? I have some that I have used a little but didn't like.

    I also need to look at switching our gas and electric, our current deal is up on the 3rd October.

    I need to exchange the remaining euros (dont think there will be many left!) and add into my current account for paying off travel cc.

    I need to sort a proper budget until the end of the month - this will be tight as we need to pay the travel card off completely.

    I have decided the things I can't get rid of/have already paid for I need to actually use to get my money's worth!!! Namely the gym membership and I bought the Joe Wicks 90 day plan and never finished it! Should help with the expanding stomach anyway! The food is more expensive on the plan but will try and pick meals that aren't as costly.

    Feel better for writing this down!
    16.08.2017 CC 1 - £2050 £1603.47 CC 2 - £1766.82 £1163.36 Emergency savings: £1000/£6000
    Mortgage - April 2017 £153,000 £149,954
    Debt free by xmas: 1070.86/1500
    (Non Mortgage) Debt Free Date: August 2018
    • fruitloop04
    • By fruitloop04 18th Sep 17, 10:28 PM
    • 146 Posts
    • 432 Thanks
    fruitloop04
    First back from holiday today but still off work until tomorrow. I have switched our gas and electric but no saving here - it remains the same but if I had stayed with the same provider I would have been paying over £30 extra a month!

    I did the food shopping today and it has come to a whopping £80 for the week!! I'm done it based on Joe Wicks plan but with separate meals for the OH who doesn't really like his food. I will be batch cooking over the next couple of evenings so hoping will have some meals stored in the freezer for next week too.

    I am waiting for the final total to be updated on the travel CC but I am confident that I can pay this off in full this month. I am hoping for 3 NSD's in a row (not including CC payment) as I have put this in September's NSD challenge and I am running out of time to do it! Can't see what I will need for the next 3 days after spending £80!!! Going to check my Sainsbury's CC balance in a minute *GULP*
    16.08.2017 CC 1 - £2050 £1603.47 CC 2 - £1766.82 £1163.36 Emergency savings: £1000/£6000
    Mortgage - April 2017 £153,000 £149,954
    Debt free by xmas: 1070.86/1500
    (Non Mortgage) Debt Free Date: August 2018
    • fruitloop04
    • By fruitloop04 18th Sep 17, 10:52 PM
    • 146 Posts
    • 432 Thanks
    fruitloop04
    Make that the shopping for the week at £86.64 NOT GOOD!! It better leave some meals for the freezer!! Just checked CC2 - it's at £1570 which isn't bad going as I still use this one. Actually sticking to using the money in the 'piggybanks' for what they are for too so petrol money is coming from the car account etc! Still on target of my goal to be at £1300 once I have paid some money off it when I get paid. 10 days until pay day...definitely can keep spends on this to a minimum. Only thing is I have an expensive month in October as my insurance, MOT and service are due. Didn't do a service last year because I couldn't afford it so really need to do one this year - I do high mileage for work so it is worth doing. One bonus is my tax is free! I will have some money for this in my car account but not enough to cover it all so it will have to go on CC2 Next year there will definitely be enough in their though, I'm determined!!!
    16.08.2017 CC 1 - £2050 £1603.47 CC 2 - £1766.82 £1163.36 Emergency savings: £1000/£6000
    Mortgage - April 2017 £153,000 £149,954
    Debt free by xmas: 1070.86/1500
    (Non Mortgage) Debt Free Date: August 2018
    • fruitloop04
    • By fruitloop04 21st Sep 17, 8:55 AM
    • 146 Posts
    • 432 Thanks
    fruitloop04
    Back at work now and feels like I haven't been on holiday Traffic is horrendous as well! Been taking my lunch to work and following Joe Wicks eating plan until last night...I wanted comfort food because I am feeling under the weather and caved in. It was all in the cupboards so didn't cost any extra but I was only on day 2 and fell off the wagon!! I think I am going to start it again next week when I will hopefully feel better and get some cooking in over the weekend. It's a three month plan so means I will be fit by Christmas!

    I am very pleased to report that I have managed to pay off all the travel CC off in FULL so no extra interest charged!! It leaves for a VERY tight month but only a week until pay day so should be fine. I still have my car account for petrol and there is a bit of money left in the joint account for shopping so we should last.

    Going to batch cook this weekend and fill up the freezer to try and stop me from falling off the wagon again (and it means that I won't need to leave the house other than for food shopping!) and get some items on e of bay to offset some of the car costs next month.

    Hope everyone is have a good week (feeling a bit lonely over here!)
    16.08.2017 CC 1 - £2050 £1603.47 CC 2 - £1766.82 £1163.36 Emergency savings: £1000/£6000
    Mortgage - April 2017 £153,000 £149,954
    Debt free by xmas: 1070.86/1500
    (Non Mortgage) Debt Free Date: August 2018
    • Purplemumof2
    • By Purplemumof2 21st Sep 17, 9:08 AM
    • 5,240 Posts
    • 17,570 Thanks
    Purplemumof2
    It amazing how quickly getting in to a routine again with work happens

    Don't beat yourself up about falling off the wagon, it happens and sometime you need to listen to what your body wants.

    Have a lovely day xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7250.00 Cap 1: £529.05 BC: £5196.94

    AFD 0/10 NSD 0/10 LTW 0/10

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • fruitloop04
    • By fruitloop04 21st Sep 17, 8:51 PM
    • 146 Posts
    • 432 Thanks
    fruitloop04
    It amazing how quickly getting in to a routine again with work happens

    Don't beat yourself up about falling off the wagon, it happens and sometime you need to listen to what your body wants.

    Have a lovely day xx
    Originally posted by Purplemumof2
    Thank you for stopping by purplemumof2 You are right! I am feeling much better after an early night. I have decided to restart healthy eating on Saturday as I shop Saturday-Saturday so it makes sense in my head! Determined to do this as I put on a pair of trousers for work this morning and they did not do up I would rather lose weight then but new clothes. There are so many things in my wardrobe that don't fit - I want to get in them rather then sell them!

    Another NSD day for me - 2 days in a row 7 days until payday...can't come soon enough!! Some of what I have bought this week will run in to next shop though so hopefully that will be a cheaper one
    16.08.2017 CC 1 - £2050 £1603.47 CC 2 - £1766.82 £1163.36 Emergency savings: £1000/£6000
    Mortgage - April 2017 £153,000 £149,954
    Debt free by xmas: 1070.86/1500
    (Non Mortgage) Debt Free Date: August 2018
    • fruitloop04
    • By fruitloop04 22nd Sep 17, 9:17 AM
    • 146 Posts
    • 432 Thanks
    fruitloop04
    Doesn't look like today will be a NSD OH wants pudding tonight! We used to eat pudding every day but with my ever expanding waist line I created 'pudding Friday' and he now HAS to have a pudding on a Friday! Don't need anything else though so will go in and grab something and run out before I get distracted or I might do a shop tonight so I don't have to do it tomorrow and have a NSD day tomorrow...

    Realised there are only 9 days left of September (including today!) and I have 6 NSD's to get to meet my target for the challenge! Really need to be organised to only spend on 3 days! I might look at my baking cupboard and see if I can rustle a cake or something together for pudding tonight...I'm not good at baking so generally don't so would be surprised if I had enough ingredients in for a cake!
    16.08.2017 CC 1 - £2050 £1603.47 CC 2 - £1766.82 £1163.36 Emergency savings: £1000/£6000
    Mortgage - April 2017 £153,000 £149,954
    Debt free by xmas: 1070.86/1500
    (Non Mortgage) Debt Free Date: August 2018
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