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    • charlies tribe
    • By charlies tribe 7th Apr 17, 1:13 PM
    • 339Posts
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    charlies tribe
    Second time lucky... debt free diary.
    • #1
    • 7th Apr 17, 1:13 PM
    Second time lucky... debt free diary. 7th Apr 17 at 1:13 PM
    Good afternoon all. As title says, this is my second time here. I started a few years ago, debt started to go down. Then DH was made redundant! He refused to sign on and we lived from the credit cards (think he was suffering depression). I have major mental health issues but went back to work almost 2 years ago but we were scraping by while dh tried self employed (something I desperately didn't want him to do).

    In February he started a part time, temp job but has been working full time hours and looks like he could be staying at least for now.

    I've been off work for a month as I have something growing on my ear drum, vertigo is now under control, still waiting for hospital appointment but...

    From Friday we should have 2 full time wages coming in!!

    Cards have been removedso we cant rely on them and ive got my lists ready. I'm dreading posting this but here goes...

    Loan: £414 last payment this month!
    CC1: £830 min payment £25 on 5% for life rate
    CC2: £6987 0% till Jan 18
    CC3: £3185 0% till june 17
    CC4: £9035 0% till july 17 on 830 the rest 0%till sep 17
    CC5: £8816 think it's 0% for 18 months

    Total: £29267

    We have also had a sofa. payments don't start until its delivered. Ours had collapsed and we are currently on beanbags. We have had a nice one to hopefully last. The payments on that are £90 a month 0% for 4 years. so im going to add the £4287 (I think the insurance cost more than 1 chair) to the starting total.

    Total: £33554

    I don't know how long it'll take to be debt free but my aim for now is just seeing it go down not up. Thank you for reading if you've made it all the way to the end.
Page 3
    • Poor_Single_lady
    • By Poor_Single_lady 13th May 17, 8:07 AM
    • 907 Posts
    • 3,284 Thanks
    Poor_Single_lady
    Hello

    I've not read your diary before. It sounds like you are doing really well. 5 kids, husband, mortgage and paying off debts is a lot to manage.
    Hope you can get your kids on a plane in time. I didn't fly till I was 14 which in hindsight is not remotely old but I was surrounded by children who flew all the time and took it for granted. If you take your kids away somewhere- even budget weekend in Benidorm they will appreciate it and remember it for ever.
    If you can get the debt down then maybe it isn't too far away.
    I know it's hard tho, my family was as big as yours and I watched my mum budget and plan money for years. When you have that many kids things are rarely simple- or maybe your house is calmer than ours was!
    And also if you haven't missed any payments and you have cleared the loan then this will only mean good things for your credit history.
    And one more thing - when you get the fridge/freezer sorted it will be amazing, and like a weight off your shoulders. We don't realise how important these things are really- although maybe you do. I bought new one 12 months ago and still feel happy when I go to use it. It makes such a big difference to your quality of life.

    Good luck for your journey. Please keep posting. xxc
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • charlies tribe
    • By charlies tribe 14th May 17, 10:31 PM
    • 339 Posts
    • 3,125 Thanks
    charlies tribe
    Thank you poor single lady. Good luck with your journey too, I have been reading through your thread recently. I really don't think they would mind if they didn't get to go on a plane, I just feel bad, that I've got us into the mess that they cant. Would be nice to do it while they are all still home though, DD is 16 in a few weeks (starts GCSE exams in the morning) so would be nice to do before she doesn't want to come with us.

    I've still not sorted the fridge/freezer I cant bring myself to wipe the account out, maybe at the end of this month?! 2 months ago it would have just gone on the credit card.

    I seem to be struggling this week, just want to sit and cry. I'm trying to keep on top o the money but shopping seems so expensive, I had a delivery today, £46 at Icel@nd and £85 at mr T and I'm still finding things I've forgot. Think I need to find the time to visit @ldi again. I just cant seem to bring it down, having fussy kids doesn't help though.

    I'm struggling to keep the little ones quiet while DH sleeps, Hate the agoraphobia kicking in, I cant even take them out for a walk. Then I feel guilty that DH is going to work tired.

    Realised next month should be a good month, will both get 2 pay dates and ive had a letter for a £300 bonus in the first wage of June too.

    Tomorrow should be spend free. Dh will be in bed so I wont leave the house, will walk to work (I've realised that isn't entirely for money saving, I really don't want to get on the bus!) Might walk hone too while he takes the little ones to swimming lessons.
    LBM-March 17 £2129/£33554 (6.3%) paid
    • Hiddenidenity
    • By Hiddenidenity 14th May 17, 11:47 PM
    • 3,856 Posts
    • 15,317 Thanks
    Hiddenidenity
    Don't be too harsh on yourself. You've done amazing in such a short space of time!
    As for shopping and forgetting things can you not meal plan? I don't do a set plan but we choose 7 meals and then I work out what I need for them then that's the dinners sorted. The kids take fruit to school so I know how many pieces of fruit I need at least for school then extra for at home. Same with snacks etc.

    Also on the fridge side of things, I'd never had a new fridge ever. We had managed with half working hand me downs for years since moving into our own place (tbh everything we have is hand me downs and half broken even my oven door I have to cellotape closed ) anyway last year we got a new fridge freezer as a gift. An American ff from curry's £450 in the sale it's amazing! It's like my new baby and it makes me happy everytime I open it or walk past sad I know but it's definitely worth sorting and it will save you money in the long run. Especially if this means you can be better organised with the shopping xx

    DFW £733.71/£7348.71
    Rent Arrears £346.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £216.52 + £25 Cash + £45 Amazon
    • charlies tribe
    • By charlies tribe 15th May 17, 12:31 AM
    • 339 Posts
    • 3,125 Thanks
    charlies tribe
    Hi, hidden identity, thank you for posting, I was just reading your thread when my email to say you had posted popped up. I haven't got around to posting on your thread yet but it has made me cry a little, some things are so alike the anxiety/agoraphobia means I hadn't left the house for a good few years, I applied for my job through frustration after dh being made redundant, it's still the only place I go. I avoid school run as much as possible, haven't been to the local shop in years....
    My mum hasn't been in touch in months, our relationship is non-existent, I rang 3 months ago to let her know they had found a growth in my ear, and nothing, not even a text to see how I am.

    I really need to try and meal plan, with our shifts it goes to pot, I end up buying a few fresh meats and then filling the freezer with pizza, burgers, sausages...quick meals. We have thrown loads with the fridge too. Fruit is a big downfall, I buy loads, it goes in the fruit bowl and is used for school lunches, the rest doesn't seem to get touched and ends up in the bin. Crisps are another huge expense, I don't eat them but dh and kids plough through them (Kids only allowed 1 bag a day but I've seen dh eat 4/5 in a day. We are also struggling with dd2, she pretty much refuses to eat anything other than beans/spaghetti on toast at the minute so trying different things to try and tempt her, she's 9 and her eating has gradually got worse.

    Well I've just eaten half a shard bar of chocolate while laid in bed. I'm going to try and get some sleep before the alarm goes off at 6.30 (sorry for the rambling)
    LBM-March 17 £2129/£33554 (6.3%) paid
    • charlies tribe
    • By charlies tribe 15th May 17, 11:54 AM
    • 339 Posts
    • 3,125 Thanks
    charlies tribe
    Morning. Not much to update today. Just checked the bank and £198 cc payment has come out, that's £395 of payments made this month, just minimums at the minute as not sure what we will have left with my reduced pay. Need to find cc to do a balance transfer by the end of the month.

    Think it will be pizza for tea (already in freezer) as i'm at work and he needs to take the little ones swimming. DD2 is having tea at a friends so 1 less to feed tonight.

    Hoping to walk to work but at the moment it's absolutely throwing it down. Also going to have to put the washing in the dryer.

    We are having smart meters put in on Thursday (still not sure if its a good idea or not) so going to spend an hour In the using the flylady thread from old style board before I get ready for work... It might take all week ... eeek!! (was some smilies there but they wouldn't work).
    LBM-March 17 £2129/£33554 (6.3%) paid
    • Poor_Single_lady
    • By Poor_Single_lady 15th May 17, 9:36 PM
    • 907 Posts
    • 3,284 Thanks
    Poor_Single_lady
    Wow you are dealing with loads. Does not sound easy. You will get there. We always ate a lot of junk in our house. I think it's inevitable in big families.
    My sister was always quite faddy in her eating as well. I hope your daughters diet improves. My sister is similar even now she is 30.
    I'm sorry it's not easier and I hope your health query turns out to be nothing to worry about. And I hope your mum can find the words that you want to hear. xxx
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • charlies tribe
    • By charlies tribe 15th May 17, 11:25 PM
    • 339 Posts
    • 3,125 Thanks
    charlies tribe
    Thank you PSL I'm feeling a bit better today, Think its definitely the time of month making things seem so much worse.
    I need to find cheaper healthier snacks and also puddings, they can cost a fair bit too.

    Today should have been a NSD, walked to work and tea was sorted. Came out of work to a message to fetch calpol as we have a poorly little girl, fussy dd2 has a temperature which has set her asthma off. So £6 spent.

    Tomorrow should be spend free as i'll probably have dd at home.
    LBM-March 17 £2129/£33554 (6.3%) paid
    • Hiddenidenity
    • By Hiddenidenity 15th May 17, 11:27 PM
    • 3,856 Posts
    • 15,317 Thanks
    Hiddenidenity
    Oh no hope dd is feeling better soon x

    DFW £733.71/£7348.71
    Rent Arrears £346.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £216.52 + £25 Cash + £45 Amazon
    • charlies tribe
    • By charlies tribe 15th May 17, 11:40 PM
    • 339 Posts
    • 3,125 Thanks
    charlies tribe
    Thank you, i'm sat here waiting till half 12 when she can have more medicine.
    LBM-March 17 £2129/£33554 (6.3%) paid
    • Hiddenidenity
    • By Hiddenidenity 16th May 17, 12:20 AM
    • 3,856 Posts
    • 15,317 Thanks
    Hiddenidenity
    Hopefully it's just a 24 hour thing and tomorrow she's on the mend xx hope you both manage to get some sleep x

    DFW £733.71/£7348.71
    Rent Arrears £346.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £216.52 + £25 Cash + £45 Amazon
    • charlies tribe
    • By charlies tribe 16th May 17, 11:36 AM
    • 339 Posts
    • 3,125 Thanks
    charlies tribe
    Morning. Not much to update again today, checked the bank and nothings changed. Need to find DH cc statement, i know its due but he hasn't mentioned it arriving, he will have opened it and put it down somewhere.

    Spent the night on sofa with dd, it's really not that comfortable for sleeping on. Only managed about 2 hours sleep, work should be fun. She's still a bit wheezy this morning but temp seems to be staying down.

    Need to start planning birthdays, june is an expensive month. twin nieces, ds1, dd1, ds2 and dh birthdays and then dd3 beginning of July. They usually have £100 each (they don't get much else from family so i've always tried to make it special) and a day out but usually end up spending way over the £100. Need lists from them so I can start planning. I still have about £150 in vouchers from Christmas so hoping they'll want something from where I can use the vouchers. DD will be 16 and has asked to go to the trampoline park for her day out, suppose it's cheaper than the skydive she wanted to do!
    LBM-March 17 £2129/£33554 (6.3%) paid
    • Poor_Single_lady
    • By Poor_Single_lady 16th May 17, 7:33 PM
    • 907 Posts
    • 3,284 Thanks
    Poor_Single_lady
    Hope she feels better soon.
    Very brave wanting to go skydiving eak! xx
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • Hiddenidenity
    • By Hiddenidenity 17th May 17, 10:08 AM
    • 3,856 Posts
    • 15,317 Thanks
    Hiddenidenity
    Hope dd is feeling better?

    Wow that's a lot of birthdays! I thought I had it bad because all my 3 kids are within 2 weeks

    Hope all is well x

    DFW £733.71/£7348.71
    Rent Arrears £346.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £216.52 + £25 Cash + £45 Amazon
    • charlies tribe
    • By charlies tribe 17th May 17, 6:22 PM
    • 339 Posts
    • 3,125 Thanks
    charlies tribe
    Thank you poor single lady and hidden identity. Dd is a lot better today. Still kept her home as she was wheezy over night and looked so tired.

    Just a quick post as on my phone, will catch up properly when I can get on the laptop.

    Nothing to update with the debt. Need to fetch some bread milk and cat litter on way to work. Looks like a bomb has gone off here and got the man out to fit the new meters tomorrow, will have to be an early start.

    Right better go get ready for work.
    LBM-March 17 £2129/£33554 (6.3%) paid
    • Doobop
    • By Doobop 17th May 17, 9:38 PM
    • 165 Posts
    • 1,469 Thanks
    Doobop
    I have just read through your diary, just wanted to say you are doing really well, you are juggling lots of different things, not easy but keep going.
    • charlies tribe
    • By charlies tribe 18th May 17, 10:23 PM
    • 339 Posts
    • 3,125 Thanks
    charlies tribe
    Thank you for reading and taking the time to post Doobop.

    Not much again today, will pay the CC while i'm on the laptop though.

    Shopping yesterday ended up at £25! £10 was dd on a journal for writing all the leavers messages in and an exam pencil set. I remember her first day, can't believe she finishes in 3 weeks. Weve spent the afternoon setting up her facebook page, she has always wanted to do photography but we talked her out of doing it at college and to keep it as a hobby. We bought her a camera at Christmas and some of her pictures are fantastic so I think she has decided to ask at her college interview if she can change course, She was going to do law and phycology (that's defiantly not spelt right) but it wasn't something she wanted to do.

    Today dh had some beers from the shop not sure how much he spent, need to check.

    We had smart meters fitted today, the gas one doesn't seem to be working so need to ring them tomorrow.. Electric, we have used £1.60 since about 12 when they went in!! Kids said 'that's not much' told them to think about it, thats almost £600 a year just on electric! £100 of which could be just form the tv that is on constant all day as they have to have it on even if no one is watching it. They only watch music channel, thinking radio will be a lot cheaper.
    LBM-March 17 £2129/£33554 (6.3%) paid
    • charlies tribe
    • By charlies tribe 18th May 17, 10:45 PM
    • 339 Posts
    • 3,125 Thanks
    charlies tribe
    Just paid £100 to CC. That's £492 paid to debt this month already. So depending on any bits of interest I should make the 4% paid off make in month 2.
    LBM-March 17 £2129/£33554 (6.3%) paid
    • Hiddenidenity
    • By Hiddenidenity 18th May 17, 10:49 PM
    • 3,856 Posts
    • 15,317 Thanks
    Hiddenidenity
    Amazing amount paid off!

    Radio is definitely cheaper to power and you can get DAB radios as cheap as £10 on the outlets on ebay etc. Not sure where else or if anywhere is cheaper, I just know my mum asked me to order her one for work x

    DFW £733.71/£7348.71
    Rent Arrears £346.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £216.52 + £25 Cash + £45 Amazon
    • charlies tribe
    • By charlies tribe 18th May 17, 11:04 PM
    • 339 Posts
    • 3,125 Thanks
    charlies tribe
    Thank you.
    I'm going on a hunt, we bought a cheap 1 for our holiday last year, i bet it's still in the holiday bags in the loft, sure I could use dd's ipod to stream from amazon too, we use the films but have never used the music or books. Seeing it on the screen has made me realise how much we use (I knew it was a lot but seeing it in figures seemed to make it sink in).

    Suppose I better go to bed, DH went at half 8!
    LBM-March 17 £2129/£33554 (6.3%) paid
    • charlies tribe
    • By charlies tribe 19th May 17, 11:39 PM
    • 339 Posts
    • 3,125 Thanks
    charlies tribe
    Quick post as on my phone. Internet switched supplier this evening and I don't have the energy to walk back down for the new password to use laptop.

    Dh defrosted the fridge/freezer today and the camping fridge we use while doing it has packed in too, luckily should be paid before if needs doing again and order a new one.

    Been to work and fetched a few bits on way out, toilet roll and drain unblocker and some snacks and Apple juice for the kids tomorrow as I'll leave for work before dh gets up, was about 18, will need to check. Dh filled car up on way home and that was about £80 but it hasn't been done since beginning of April.

    Rang about smart meter as has still not showing, it can take up to 2 weeks. Electric yesterday was £1.73 today was at £2.05 when I came up to bed. I've had to put the dryer on so it will go up a bit.

    Started clearing the utility room today, 3 dog food sacks of clothes thrown out and probably about 15 loads of washing that had been done but need doing again because I really am useless at housekeeping. Most of it's bedding so going in the dryer. Absolutely nothing to sell in there yet.
    LBM-March 17 £2129/£33554 (6.3%) paid
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