Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • Poor_Single_lady
    • By Poor_Single_lady 31st May 16, 2:36 PM
    • 1,102Posts
    • 4,154Thanks
    Poor_Single_lady
    Joined 31.05.16
    • #1
    • 31st May 16, 2:36 PM
    Joined 31.05.16 31st May 16 at 2:36 PM
    Day 1. 31.5.16
    I hope I am posting in the right place. I need to keep a spending diary where its not just me that sees it. I have around £14,500 in debt. This is split over 5 different lenders.

    £2450 Bankloan
    £3225 0% credit card
    £3620 0% credit card
    £2500 overdraft
    £2800 credit card 18%

    I have a lot of outgoings, live on my own (mortgage) recently had some expensive home improvements which I think were essential.

    I am slowly paying things off but one of my biggest battles is with my best friends who seem to be constantly putting pressure on me to do expensive things and get upset when i cant - making my battle twice as hard. Does anyone else have this issue or is it just me.

    My other main worry is that if my parents ever found out they would be heartbroken, I am 30 and shouldn't have let this happen. Im keeping my diary and working hard to fix. Day 1.
Page 2
    • avogadro
    • By avogadro 5th Jun 16, 2:51 PM
    • 3,595 Posts
    • 6,182 Thanks
    avogadro
    I'm sure you will have thought of this already but £35 on leg wax can easily be cut by either waxing them yourself or using sugaring.
    • KxMx
    • By KxMx 5th Jun 16, 3:12 PM
    • 7,185 Posts
    • 10,077 Thanks
    KxMx
    OP has already explained why that is important to her.

    Body wise we are all different... my cousin has beautiful fingernails with 0 effort, I'm talking rapid growth into perfect French tip shapes.

    My Mother, she is typing with hers at work they get so long.

    I once admired a friend's natural nails, met with a blank look, those to her were utterly normal.

    Me? To look at them you'd think I was a biter, which I am absolutely not. They just rarely grow and break soon after they do.

    It's more than once I've thought of hitting the nail bars big time & it is surprisingly depressing when you lack something the majority get without thought.

    I wish you luck OP Crisps are totally my downfall too!
    Last edited by KxMx; 05-06-2016 at 3:21 PM.
    • Poor_Single_lady
    • By Poor_Single_lady 5th Jun 16, 8:11 PM
    • 1,102 Posts
    • 4,154 Thanks
    Poor_Single_lady
    Thank you so much for all the help. I am quite attached to the lady who does my legs and I know i couldn't match what she does and it wouldn't be as good BUT I decided if she leaves or goes on maternity I will try and do it myself but at least for rest of the year im sticking because it makes me very happy.

    Bought train ticket Today and spent £4.40 on bread, cheese, yoghurt. For me to come out of tesco with only 3 things is unheard of (and usually buy a posh paper that i never read) so happy with small progress! Contents insurance not due till august so bit of leeway there.
    Will see what the week brings. Hope everybody enjoyed the weekend.
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • Dolly Rocker
    • By Dolly Rocker 5th Jun 16, 8:25 PM
    • 3,414 Posts
    • 9,765 Thanks
    Dolly Rocker
    Good for you, always feels like a massive achievement when you leave the shop without buying loads that you don't need.

    Dxxx
    Starting Debt - £15,000
    Remaining Debt - £1,980

    Starting Weight - 16st 7lbs
    Current Weight - 15st 3lbs
    • Poor_Single_lady
    • By Poor_Single_lady 6th Jun 16, 11:29 PM
    • 1,102 Posts
    • 4,154 Thanks
    Poor_Single_lady
    Lovely evening tonight. Lovely dinner and company. Apparently I paid last time so only spent £12 tonight on drinks. From purse not bank so slightly better to use cash.

    Very tired.
    Need to pay for lunch tommorow.
    Looked up all accounts today, looks to be around £14,700 so need to reign on before pay day. 20 more sleeps. Goodnight all.
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • avogadro
    • By avogadro 7th Jun 16, 10:35 AM
    • 3,595 Posts
    • 6,182 Thanks
    avogadro
    OP has already explained why that is important to her.
    Originally posted by KxMx
    You have to cut your coat according to your cloth. If she genuinely has £35 (per month?) spare to spend then it's no problem, of course. But the fact that she's on here seems to suggest that's not the case.
    • Poor_Single_lady
    • By Poor_Single_lady 7th Jun 16, 5:58 PM
    • 1,102 Posts
    • 4,154 Thanks
    Poor_Single_lady
    19 more sleeps till payday. Friend cancelled on me for lunch so having no lunch with me I went to my favorite cafe and spent 7.20 on lunch. It is stupid but have to say it was lovely. Work is mega busy so I cant see that we will rearrange this side of payday but could have done with knowing the day before and would have prepared something! Never mind. Its done now. Be better tommorow. Got 2 new dresses with a next gift card I had so that will help with the work-wardrobe-nightmare it seems only I suffer from. On way home for beans on toast for tea. Spaghetti bol tommorow. Curry thursday. Take lunch in both days. This is the plan. Nothing social planned hurray finaly! Hope everyone's enjoying the heat although its not great commuting weather!
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • Dolly Rocker
    • By Dolly Rocker 7th Jun 16, 6:05 PM
    • 3,414 Posts
    • 9,765 Thanks
    Dolly Rocker
    19 more sleeps till payday. Friend cancelled on me for lunch so having no lunch with me I went to my favorite cafe and spent 7.20 on lunch. It is stupid but have to say it was lovely. Work is mega busy so I cant see that we will rearrange this side of payday but could have done with knowing the day before and would have prepared something! Never mind. Its done now. Be better tommorow. Got 2 new dresses with a next gift card I had so that will help with the work-wardrobe-nightmare it seems only I suffer from. On way home for beans on toast for tea. Spaghetti bol tommorow. Curry thursday. Take lunch in both days. This is the plan. Nothing social planned hurray finaly! Hope everyone's enjoying the heat although its not great commuting weather!
    Originally posted by Poor_Single_lady
    Och that's fine you would have probably spent that amount if not more on lunch with your friend anyway.

    I need a new work wardrobe big time but I am going to lose 6st so will need to wait until my clothes are way too big for me before I buy anymore, refuse to spend when I am intending on losing quite a bit of weight this year & next.

    Beans on toast sounds fab, I am gonna go home & have a wee 'pierce lid several times' meal, a healthy one through from the Be Good to Yourself range

    Its dulled down a bit now, can see it raining by the time I leave work.

    Dxxx
    Starting Debt - £15,000
    Remaining Debt - £1,980

    Starting Weight - 16st 7lbs
    Current Weight - 15st 3lbs
    • Poor_Single_lady
    • By Poor_Single_lady 8th Jun 16, 8:03 AM
    • 1,102 Posts
    • 4,154 Thanks
    Poor_Single_lady
    Thank you dolly. I feel 7.20 is a lot for lunch, i should have got a sandwhich from tesco, would have been more sensible. but I couldn't have not eaten so I suppose its not the end of the world. I hope your weight loss goes well. I put stone on in the last year. Its so hard to reduce. So I wish you well. I think crisps are one of the culprits plus bread for me. And cake, it always seems to be someone's birthday everywhere you go. Any (safe) weight loss should be celebrated because its bloody amazing when it happens.

    I could potentially get to saturday morning with 3 non spend days. Just need to buy milk which i dont count, not sure if thats the rules but its how i do it. Then dentist and eyebrows on saturday. And Should be a cheap sunday.
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • Dolly Rocker
    • By Dolly Rocker 8th Jun 16, 8:50 AM
    • 3,414 Posts
    • 9,765 Thanks
    Dolly Rocker
    I don't count things like that, they all come out of my grocery budget that I keep separately.

    Got my eyebrows done yesterday, get them threaded & still find it so sore!

    Dxxx
    Starting Debt - £15,000
    Remaining Debt - £1,980

    Starting Weight - 16st 7lbs
    Current Weight - 15st 3lbs
    • Poor_Single_lady
    • By Poor_Single_lady 8th Jun 16, 8:20 PM
    • 1,102 Posts
    • 4,154 Thanks
    Poor_Single_lady
    I got my eyebrows threaded once about 10 years ago and it was so painful I said never again! But my lady that waxes them says she can do it with minimal pain so I may take the plunge seeing as how its a time of change! Plus she says its cheaper.
    Today was an nsd. Im very excited. Home fed and watered. Had spaghetti bol with strawberry's from saturdays market visit and ice cream.

    Going to market again on saturday. Tommorow should be an nsd baring anything unforseen and friday too.
    Plus no crisps since friday which for me is massive. I can do this. I just need to focus and avoid as many social outings as possible! Curry defrosting for thursday dinner. 18 sleeps till payday.
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • elsien
    • By elsien 8th Jun 16, 8:31 PM
    • 15,288 Posts
    • 38,382 Thanks
    elsien
    If you don't mind me saying, you do seem to be making it as you go along a bit with the budget and the socialising. Which is ok till you hit an unexpected expense or spend more than you planned.
    Would you be able to turn it round a bit, work out what you've got left over after bills, emergency fund and debts payments for going out etc, then once it's gone, it's gone? And planning ahead a bit more -my hair is £60 about every 12 weeks, so I put £20 aside each month rather than take the hit out of one pay day.
    Have you thought of keeping a spending diary just for a month? I was surprised how quickly my chocolate cookie habit mounted up. And I would have sworn I only spent half the amount on going out that my diary actually told me.
    Last edited by elsien; 08-06-2016 at 8:35 PM.
    All shall be well, and all shall be well, and all manner of things shall be well.

    Pedant alert - it's could have, not could of.
    • Poor_Single_lady
    • By Poor_Single_lady 8th Jun 16, 8:52 PM
    • 1,102 Posts
    • 4,154 Thanks
    Poor_Single_lady
    Lol OK. I have only just started so i didnt plan ahead last month no lol! About a month ago I looked at my accounts and they added up to over £15,000 and I closed my spreadsheet in a state of sheer panic and disbelief. I think I am making progress. Its a lot of going out right now which I am working hard to reign in.

    The thing is this is my real spending diary. Its my real life with real life concerns and stresses. I would love to say I haven't spent any money, I never go to the beauticians and I don't need to eat anything but its not real. I am a real person and this is my real spending progress. Good and bad I have to be honest.

    I have £14,800 of debt
    Today I had an nsd so im happy with that.
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • Poor_Single_lady
    • By Poor_Single_lady 8th Jun 16, 11:11 PM
    • 1,102 Posts
    • 4,154 Thanks
    Poor_Single_lady
    Have you thought of keeping a spending diary just for a month? .
    Originally posted by elsien
    Yes. That is what I have been doing for the last 10 days in a forum called debt free diaries.
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • GoingToDoIt
    • By GoingToDoIt 8th Jun 16, 11:27 PM
    • 448 Posts
    • 3,163 Thanks
    GoingToDoIt
    I've decided to meet a friend for a drink tomorrow which will be over my budget for the week...but it's sunny and I fancy going out! A few months ago we would have had dinner and drinks. I'm paying my debt off and I've made good progress but I still need to live my life and I'm sure PSLady neeeds to as well! Rome wasn't built in a day
    Gonna x
    Apr 16 Total cc 0% debt £8364/3499 updated 15 Oct 17
    • Poor_Single_lady
    • By Poor_Single_lady 9th Jun 16, 8:01 AM
    • 1,102 Posts
    • 4,154 Thanks
    Poor_Single_lady
    Thank you to everyone for all the support and help. Today should be an nsd. Lunch at work, dinner in fridge. Nothing social planned.

    I am loving the clydesdale? Bank advert with all the children running round. Makes me more determined.
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • KxMx
    • By KxMx 9th Jun 16, 11:15 AM
    • 7,185 Posts
    • 10,077 Thanks
    KxMx
    Yes. That is what I have been doing for the last 10 days in a forum called debt free diaries.
    Originally posted by Poor_Single_lady
    I see what you mean, and I see what the other poster means.

    My spending diary is a spreadsheet, every time I spend cash, rent money, credit card, a DD goes out, it all gets put on. It has various sums to add things up, subtract from my monthly income etc.

    This I think is what the other poster meant. A comprehensive numerical spending diary, rather than a casual journal which is what this forum tends to be used for.
    Last edited by KxMx; 09-06-2016 at 2:46 PM.
    • Poor_Single_lady
    • By Poor_Single_lady 9th Jun 16, 7:37 PM
    • 1,102 Posts
    • 4,154 Thanks
    Poor_Single_lady
    Onwards and upwards. Writing everything down has really helped me. I feel like i am making brilliant progress and looking at things in a new way.

    This is my second no spend day which is quite unheard of so very happy about that.

    Had lovely curry for tea and ice cream so that is food I cooked before today so I haven't spent any money organizing tea or scrimped and ate something cheap.and depressing. So really happy with that.
    I would normally make weekend plans but not going to this weekend. Just going to my mums on saturday and stay in sunday so should be a cheap weekend.
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • Dolly Rocker
    • By Dolly Rocker 9th Jun 16, 8:46 PM
    • 3,414 Posts
    • 9,765 Thanks
    Dolly Rocker
    Good for you, I have had 2 NSD's this month too, will need to have more cos I am so skint this month.

    Enjoy your weekend.

    Dxxx
    Starting Debt - £15,000
    Remaining Debt - £1,980

    Starting Weight - 16st 7lbs
    Current Weight - 15st 3lbs
    • Poor_Single_lady
    • By Poor_Single_lady 10th Jun 16, 5:40 PM
    • 1,102 Posts
    • 4,154 Thanks
    Poor_Single_lady
    On way home. Third nsd but tommorow do need to spend money. Target £14,000 on 25.08.16. This will mean being good till payday to try and make the target. Sausages, waffles and peas for tea. Early night tonight. Very tired.
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

163Posts Today

1,263Users online

Martin's Twitter