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  • FIRST POST
    • reality_check
    • By reality_check 25th Jan 16, 3:39 PM
    • 691Posts
    • 1,503Thanks
    reality_check
    Reality Check...
    • #1
    • 25th Jan 16, 3:39 PM
    Reality Check... 25th Jan 16 at 3:39 PM
    I need to start writing this diary while I have the motivation to do so! I have been a lurker for a while and reading all the diaries inspire me and I always think "I wish I could sort out my debt" well....today is the day!

    I have buried my head in the sand for too long and it really is time to get a reality check!

    I have done a quick total of my current debt and it is as follows:

    Credit cards: £9817.86 of a possible £13300
    Overdraft: £1857.77 of a possible £2500
    Student loan: £11600.85
    Loan from family memeber: £7000
    Mortgage: £68213.30

    Total: £98489.78!!

    Credit cards and overdrafts are my main priororty, student loan is automatically deducted from my wages and family loan doens't need paid back ASAP, but would rather get that paid sooner rather than later.

    I live with my daughter and 2 dogs, I will list my incomings and outgoings later today....I have tried to cut back to the bare essentials, but a lot of my recent debt has come from renovating my house and generally living beyond my means and going a bit OTT at christmas!

    I am hoping this diary will help hold me accountable for my spendings and get me on the right path to living debt free!!

    Fingers crossed!! xxx
Page 43
    • reality_check
    • By reality_check 5th Nov 17, 10:59 AM
    • 691 Posts
    • 1,503 Thanks
    reality_check
    Are you not SSG, you're not missing out on fb but get yourself on Instagram, it is great for home decor inspiration, beauty, food, travel....everything!

    I am still in Glasgow, and in the dog house! I am so so hungover!! Mr Reality said last night "You drink, I'll have a few, I'm not that bothered....' I quote him, so....that's what I did! Someone had to be responsible for a baby, and he offered! He left the wedding about half 11, I stayed to the end and then went out with my new found Glaswegian wedding friends, great at the time, not so great now! This isn't what he's annoyed at....he said (I slightly remember) came bursting into the room singing and being annoying, woke the baby up, woke him up and then just passed out on the bed and fell asleep whilst him and the was sleeping now wide awake Woke up this morning, eye make up smeared all my face etc...not the best look, haven't been sick, but every movement makes me think I want to throw up!! I also had to delete some instastories where I clearly thought it was funny at the time to upload videos of myself speaking in theeee worst attempt of a Scottish accent!! (maybe don't get Instagram after all SSG).

    Anyway, he is smugly away making use of the gym in the hotel, I feel a lot more human after having a bath, just need to slap on some make up and man up! We are here another day and night so going to make the most of it.

    Hope you've all had great weekends and feel a lot fresher this morning than I do! On the MSE things it has been a frugal weekend for me as I have just been using OH's bank card! xxx
    Starting debt £18,675.63
    Current debt: £8,250
    • Rachel24
    • By Rachel24 5th Nov 17, 3:43 PM
    • 96 Posts
    • 342 Thanks
    Rachel24
    Haha reality sounds like a great night! I live in Scotland and Glasgow is a great night out! I was out last night too and I’m so hungover today. Now lying on my couch doing nothing.
    I love Instagram! I follow home decor, celebrities etc. That’s amazing about you making money off of it reality and thing is you are using stuff anyway so that is fantastic! Hope you enjoy the rest of your time away :-)
    • Seasidegal58
    • By Seasidegal58 5th Nov 17, 5:34 PM
    • 1,098 Posts
    • 5,963 Thanks
    Seasidegal58
    Are you not SSG, you're not missing out on fb but get yourself on Instagram, it is great for home decor inspiration, beauty, food, travel...
    Originally posted by reality_check
    You are quite right Reality - thinking about it, I AM using social media via DFW - albeit secretly! I tend to think of social media in the Facebook/Twitter vein. Plus I do subscribe to Pinterest although I never put anything on there.

    to your inebriated night! Brings memories flooding back to me - especially the Cruella de Ville morning make up! I would really have loved to see that Instagram post with the Scottish accent though! In my day you were at least safer - no social media then!!!!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    My debt free diary - " Paid off the £31,000 - BUT still scrimping!"
    • louby40
    • By louby40 5th Nov 17, 6:56 PM
    • 1,161 Posts
    • 3,179 Thanks
    louby40
    Oooo I hate that hungover feeling. Hope youíre feeling better now.

    We too have been watching Mindhunter! Itís good!
    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
    • reality_check
    • By reality_check 7th Nov 17, 6:09 PM
    • 691 Posts
    • 1,503 Thanks
    reality_check
    I had a great weekend, I loved Scotland! Really need to make more of an effort and go back. The weddding was so good and very Scottish! Lots of kilts and marine uniforms, so basicaslly heaven!

    We never got round to Mindhunter in the end, been catching on Strangerthings but def on the to do list, looks right up my street,

    I feel like I just up this diary with my daily life, so seems a bit pointless sometimes! I am trying not to increase my debt this year and do Christmas without adding to credit cards and going to start again in January and make plans!

    Need to get packing as off to Tennerife on Thursday, can't wair for some sun!! xxx
    Starting debt £18,675.63
    Current debt: £8,250
    • Cherryfudge
    • By Cherryfudge 7th Nov 17, 9:47 PM
    • 885 Posts
    • 3,754 Thanks
    Cherryfudge
    Scotland then Tenerife - not bad eh?

    I agree, the Scots do a great wedding. Hope you've recovered!
    • monz
    • By monz 8th Nov 17, 9:03 AM
    • 2,839 Posts
    • 8,409 Thanks
    monz
    The only reasons a Scots wedding is good is cos we know how to drink and obv 500 miles song comes on :P xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £6,356.28/10,000
    mums xmas vouchers boots 50/50 sisters xmas vouchers topshop 30/30 Dads xmas voucher amazon (surveys) 30/30
    holiday - £402.62/1064.72
    Australia 2019 - /5000
    • Cherryfudge
    • By Cherryfudge 8th Nov 17, 12:41 PM
    • 885 Posts
    • 3,754 Thanks
    Cherryfudge
    The only reasons a Scots wedding is good is cos we know how to drink and obv 500 miles song comes on :P xx
    Originally posted by monz
    Ha ha - not forgetting Scottish hospitality and singing Loch Lomond!
    • reality_check
    • By reality_check 15th Nov 17, 8:02 AM
    • 691 Posts
    • 1,503 Thanks
    reality_check
    You're right Monz, a lot of alcohol was involved and that song did come on at the end Cherryfudge - it wasn't all a blurr after all!

    Hope you're all well, just checking in from sunny Tennerife, last full day! I am looking forward to coming home as I love this time of year and can't wait to get the Christmas decs up!! xxx
    Starting debt £18,675.63
    Current debt: £8,250
    • reality_check
    • By reality_check 18th Nov 17, 10:54 AM
    • 691 Posts
    • 1,503 Thanks
    reality_check
    Back home and it is so so cold, seems to have taken a big dip in the past week! The winter clothes are back in action. Been up since half 5 this morning with a baby who wouldn't sleep!! Mixed in with staying up late crying my eyes out watching Children in Need was not a good combination! But....all my housework is done and we went a big walk this morning and went out for some breakfast and I'm just having another coffee to keep the energy levels up. Today I am going to a garden center with my mum, it does the best cakes and such lovely christmas decorations, OH is taking the baby and the dog over to see his mum and dad, so a baby free afternoon! Tonight will be chinese and tv...I love winter! Dark nights, all the candles lit, cosy pyjamas and staying on the couch eating my body weight in chinese and chocolate.

    I really need to rein in my spending, been buying myself too much, plus my daughter and stuff for OH's Christmas. I just need to get Sophie's bf something and my son but not got a clue what they want!

    Better go get ready, have a lovely weekend everyone xxx
    Last edited by reality_check; 18-11-2017 at 11:06 AM.
    Starting debt £18,675.63
    Current debt: £8,250
    • reality_check
    • By reality_check 21st Nov 17, 8:46 AM
    • 691 Posts
    • 1,503 Thanks
    reality_check
    I can't believe how organised for Christmas I am this year!! I don't really have an excuse since I'm off work, but still....I'm impressed! I might even start wrapping this weekend. I got OH to go up to the loft and get Christmas boxes down last night, they are all stored in 3 big Prada handbag boxes...a reminder of my debt! They are the best boxes for storing Christmas decs but I don't encourage spending £2000 per bag for the privilege!! (in my defence, if it's possible to say that...I still have and use these handbags so not a total waste, but will be a long time before I can justify £6000 on 3 bags ever again!) So...I might put up some things this weekend, I don't have a lot just some little Christmas bunting and a few other things, feeling so Christmassy, but will hold off on the tree since we buy a real one and will be dead before Christmas!

    Having Christmas at mine again this year, it's going to be a busy, busy house! Me, OH, baby, my daughter, her bf, her bfs nan and grandad, my son, his gf, my mum, dad, sister, 3 nephews, OH mum, dad, his sister, her husband and 2 kids!! NO idea where we will all sit! I have a dining room 6 chairs, kitchen table has 6 and 2 stools on the island, so we will be having a Peter Kay Christmas all sat at different levels spread over a mix of tables and probs need to use garden furniture for the kids! I refuse to get stressed out over one dinner, so keeping it simple. Will make some ham the night before, and then we are just having chicken, so will cook them early and can just carve them all and heat back up in the oven in some tin foil before we eat, roast potatoes are nice and easy, some mash can be made and then just veg and gravy. Will buy some stuffing and sausages wrapped in bacon to throw in the oven. I am only making soup with those cheap par baked rolls you put in the oven will offer that or shop bought pate and oatcakes. My mum is going to buy and bring deserts so no hassle there and OH parents are brining alcohol and his sister said she will bring some cheese and biscuits.

    I am really looking forward to a Christmas spent all day at home. The making it round to visit everyone and leaving the house is what annoys me. So spend the morning in my pyjamas and then everyone is coming round in a Christmas jumper! Really looking forward to it.

    In MSE news, my credit cards haven't increased but also have decreased but I am taking that as a win. With having a new baby, going away a few times I am taking that as a small win and will be tackling my debt again in January xxx

    :x mastree::snow_ grin
    Last edited by reality_check; 21-11-2017 at 8:49 AM.
    Starting debt £18,675.63
    Current debt: £8,250
    • Seasidegal58
    • By Seasidegal58 22nd Nov 17, 9:54 PM
    • 1,098 Posts
    • 5,963 Thanks
    Seasidegal58
    I like the sound of your ďposhĒ deccies storage Reality. Mine are stored in boring old cardboard boxes then put in bin bags and shoved up DSisís loft as I havenít got room to store them at mine! Never kept the posh boxes from my days of folly buying designer bags and I dont think Iíll be going down that route again unless the lotto syndicate Iím in at work hits the jackpot!

    Your Christmas sounds like it will be such fun! And itíll be a special 1st Xmas for someone wonít it! I think a little extra mini tree is in order! Food wise everything sounds like it will go smoothly - great that people are mucking in and bringing courses - cuts down the shopping and the cost!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    My debt free diary - " Paid off the £31,000 - BUT still scrimping!"
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