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  • FIRST POST
    • DebtFreeDuo
    • By DebtFreeDuo 20th Sep 17, 8:43 PM
    • 449Posts
    • 2,184Thanks
    DebtFreeDuo
    This Duo's debt free journey
    • #1
    • 20th Sep 17, 8:43 PM
    This Duo's debt free journey 20th Sep 17 at 8:43 PM
    I had a previous thread but having problems locating it so thought I would start a fresh one. Brief intro, the duo is me and my little one, just over a year ago my debt was at a figure of around £12k, as of today it stands at £6124.40. This is made up of 2 loans (one car) and one credit card which is 0% until April 2019.

    My aim is to save up over the next 6/8 months so that I can overpay 6 months worth on the loan with the shortest term, this will clear the loan completely as the last payment is December 18. Then I will tackle the second loan which is due to end April 19, I aim to clear this by around December 18 and then clear the 0% card last but well in time for the 0% ending.

    I can't do much until January, I'm currently studying and therefore get my income 3 times per year which I use to overpay, I have just cleared £1500 which is all I can manage until my next payment. This includes a monthly saving to my Help to Buy ISA. I have around £4k in my ISA but I am reluctant to use this to clear my debts as I will earn more back on this then I will save in interest with the governments 25% bonus.

    I have gone over all of my monthly bills and I am certain that I cannot make any further savings than I have made recently. I am currently listing as much on ebay as I can to give me a little extra money for treats that I haven't included in my budget up to December.

    Will update my signature shortly but as it stands my debt free date is April 2019, I aim to bring this forward to Dec 2018 at the very latest.
Page 15
    • DebtFreeDuo
    • By DebtFreeDuo 13th Nov 17, 7:42 PM
    • 449 Posts
    • 2,184 Thanks
    DebtFreeDuo
    Thank you EH, I know that not everyones lives are perfect I just feel like the one thing I have always wanted is just never going to happen for me. I will snap out of it soon, I know deep down that I have to focus on myself, I think it is because DS is getting older and I never wanted a big age gap (always wanted 2) although I am considering actually doing it alone the second time around, more thinking and research required there though.
    LBM 20/9/17 5101.55/5690.50 = Loan: 1923.70/2207.38 Car Loan: 2166.87/2419.64 0% CC: 1010.98/1063.48 DFD Oct 18.
    SPC 586
    • timetobefrugal
    • By timetobefrugal 13th Nov 17, 8:34 PM
    • 70 Posts
    • 185 Thanks
    timetobefrugal
    Sounds like you are getting on well with the revising, I agree that smaller chunks work better, I literally cannot sit there for 4/5 hours straight and not get distracted anyway!

    Big hugs as I know how you feel in terms of being lonely, I feel it so much now my DD is getting older and tells me she wants more than anything in the world to have a little sister! I've decided if life hasn't naturally progressed by the time I'm 35 I'm looking in to adoption.

    Anyway, these ups and downs are always going to happen but keep on going, it all comes together in the end x
    Debt Total October 2017 £20,511.27
    • Nicnak
    • By Nicnak 14th Nov 17, 6:05 AM
    • 406 Posts
    • 1,653 Thanks
    Nicnak
    I'm sorry you're feeling low. I agree that no family is perfect, and what they choose to present won't be accurate. X
    September 6th 2017 start Updated 4th NOV 17
    Credit Card £430 now: £0 Tesco Loan £7500 = £6891 Car loan £17450 = £16,748 Total = £25,330 £23,749 EMF #252
    Sealed pot challenge #589
    Pay off all your debts by Christmas #170
    • DebtFreeDuo
    • By DebtFreeDuo 14th Nov 17, 2:44 PM
    • 449 Posts
    • 2,184 Thanks
    DebtFreeDuo
    I've had an awful day today, I feel like I am completely failing. How I didn't end up in tears at uni today I will never know. Trying to install some software on my laptop that I need to use for a few of my assignments and its just not working, went to the IT helpdesk at uni to be told that they have never seen the software and so cannot help me. My assignment has to be submitted on Friday.
    LBM 20/9/17 5101.55/5690.50 = Loan: 1923.70/2207.38 Car Loan: 2166.87/2419.64 0% CC: 1010.98/1063.48 DFD Oct 18.
    SPC 586
    • ladymay
    • By ladymay 14th Nov 17, 4:24 PM
    • 666 Posts
    • 3,201 Thanks
    ladymay
    Oh I'm so sorry you're struggling today DFD. Is there any way you can ask your peers or lecturer about the software issue?
    [COLOR=Navy]Debt 14/04/12: £15736.77
    Debt 09/12/14 ZERO POUNDS
    Debt 15/10/17: £1714.40
    Debt 14/11/17: £1631.61
    Moving back to the UK 05/01/18
    • Nicnak
    • By Nicnak 14th Nov 17, 4:58 PM
    • 406 Posts
    • 1,653 Thanks
    Nicnak
    Surely they should figure it out to help you though? X
    September 6th 2017 start Updated 4th NOV 17
    Credit Card £430 now: £0 Tesco Loan £7500 = £6891 Car loan £17450 = £16,748 Total = £25,330 £23,749 EMF #252
    Sealed pot challenge #589
    Pay off all your debts by Christmas #170
    • DebtFreeDuo
    • By DebtFreeDuo 14th Nov 17, 5:14 PM
    • 449 Posts
    • 2,184 Thanks
    DebtFreeDuo
    Apparently not Nicnak just sent me on my way. I emailed the lecturer that taught us the software asking him where I could find some help with it and received the following response:

    The software is running on the university lab computers. In fact, we have had 2 laboratories in which you had plenty of opportunity to raise your hand in case of problems... Did you not attend those?

    Followed by a brief note to say to follow online instructions to download the software.

    We received a total of 4 hours (2 hour in 2 separate lectures and 2 hours in 2 separate labs which in turn equate to about 45 minutes by the time you are actually on), I had never in my life seen this software before and have no idea what I am doing with technology. I feel completely and utterly unsupported to the point where I actually want to walk away from the whole degree.

    Its not using the software I am struggling with, its the installation and getting it to work.
    LBM 20/9/17 5101.55/5690.50 = Loan: 1923.70/2207.38 Car Loan: 2166.87/2419.64 0% CC: 1010.98/1063.48 DFD Oct 18.
    SPC 586
    • DebtFreeDuo
    • By DebtFreeDuo 14th Nov 17, 6:00 PM
    • 449 Posts
    • 2,184 Thanks
    DebtFreeDuo
    Trying to look at positive things this evening to put me in the mood to tackle this problem on my own, who needs to rely on anyone when you have yourself right? I like to believe I can do anything that I put my mind to anyway!

    So updated my signature, car loan isn't due out until tomorrow but CC came out today so updated both while I was there. Debt now stands at 5101.55! Looking back to just days before I started this diary I had £7500, that's almost a third of my debt gone in just a couple of months! Another third should be gone at the start of January.
    LBM 20/9/17 5101.55/5690.50 = Loan: 1923.70/2207.38 Car Loan: 2166.87/2419.64 0% CC: 1010.98/1063.48 DFD Oct 18.
    SPC 586
    • Nicnak
    • By Nicnak 14th Nov 17, 6:03 PM
    • 406 Posts
    • 1,653 Thanks
    Nicnak
    Proud of you too!

    I'm sorry your lecturer is being so unsupportive. Perhaps a strongly worded email back might help? X
    September 6th 2017 start Updated 4th NOV 17
    Credit Card £430 now: £0 Tesco Loan £7500 = £6891 Car loan £17450 = £16,748 Total = £25,330 £23,749 EMF #252
    Sealed pot challenge #589
    Pay off all your debts by Christmas #170
    • DebtFreeDuo
    • By DebtFreeDuo 14th Nov 17, 6:31 PM
    • 449 Posts
    • 2,184 Thanks
    DebtFreeDuo
    Aw thank you Nicnak, at least I'm not failing in one area. I did consider a strongly worded email back but I just don't think it would help things. I missed the first week of the software because it was half term but attended the second which didn't really help much. He is by far the strictest lecturer I have come across and probably wouldn't react well. I just hate how they treat everyone like school leavers, one lecturer is constantly mentioning A levels and how we have all come from that route when it just isn't true.
    Last edited by DebtFreeDuo; 17-11-2017 at 4:21 PM.
    LBM 20/9/17 5101.55/5690.50 = Loan: 1923.70/2207.38 Car Loan: 2166.87/2419.64 0% CC: 1010.98/1063.48 DFD Oct 18.
    SPC 586
    • ladymay
    • By ladymay 14th Nov 17, 7:16 PM
    • 666 Posts
    • 3,201 Thanks
    ladymay
    Wow, he sounds like a charmer! Power trip much?? But you're right, you can figure this out
    [COLOR=Navy]Debt 14/04/12: £15736.77
    Debt 09/12/14 ZERO POUNDS
    Debt 15/10/17: £1714.40
    Debt 14/11/17: £1631.61
    Moving back to the UK 05/01/18
    • DebtFreeDuo
    • By DebtFreeDuo 14th Nov 17, 7:42 PM
    • 449 Posts
    • 2,184 Thanks
    DebtFreeDuo
    Funny thing is he was my favourite lecturer until today. I'm sorry but as far as I'm concerned lecturers should be supportive, we pay thousands of pounds to the university and the least we deserve surely is a little support when we are struggling. If I have that wrong then I really don't think that this is for me at all.
    LBM 20/9/17 5101.55/5690.50 = Loan: 1923.70/2207.38 Car Loan: 2166.87/2419.64 0% CC: 1010.98/1063.48 DFD Oct 18.
    SPC 586
    • ladymay
    • By ladymay 14th Nov 17, 8:06 PM
    • 666 Posts
    • 3,201 Thanks
    ladymay
    I'm in complete agreement with you! The whole point of uni is that you don't know everything... I hope you get sorted x
    [COLOR=Navy]Debt 14/04/12: £15736.77
    Debt 09/12/14 ZERO POUNDS
    Debt 15/10/17: £1714.40
    Debt 14/11/17: £1631.61
    Moving back to the UK 05/01/18
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 14th Nov 17, 9:01 PM
    • 1,900 Posts
    • 7,400 Thanks
    HairyHandofDartmoor
    That particular lecturer sounds like an arrogant d**k who ought to be a lot more supportive of his students . Don't let him get you down. I hope you find a way of sorting out your software problem.

    I'm sorry you feel lonely but I believe that there is someone out there for every one and I'm sure that one day you will meet the right person. And remember, siblings don't always get on.
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 October 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund
    Emergency Fund 1 = £638/Emergency Fund 2 = £120
    • DebtFreeDuo
    • By DebtFreeDuo 14th Nov 17, 9:22 PM
    • 449 Posts
    • 2,184 Thanks
    DebtFreeDuo
    Thank you Hairy, I didn't know if I was being oversensitive with the lecturer.
    LBM 20/9/17 5101.55/5690.50 = Loan: 1923.70/2207.38 Car Loan: 2166.87/2419.64 0% CC: 1010.98/1063.48 DFD Oct 18.
    SPC 586
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 14th Nov 17, 9:44 PM
    • 1,900 Posts
    • 7,400 Thanks
    HairyHandofDartmoor
    Not at all over sensitive, I would have been upset and annoyed if he'd said that to me.
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 October 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund
    Emergency Fund 1 = £638/Emergency Fund 2 = £120
    • DebtFreeDuo
    • By DebtFreeDuo 15th Nov 17, 2:08 PM
    • 449 Posts
    • 2,184 Thanks
    DebtFreeDuo
    What a difference a day makes.

    This week

    Assignment for IM module - Submitted!
    Assignment for AS module - About half finished, will do some more this evening and submit tomorrow
    Assignment for FC module - To start Friday
    Assignment for TM module This is being moved to next week
    Flashcards for all modules in preparation for January exams - Still 3 to go

    Well after an absolutely horrible day yesterday I am feeling much better today, I am more motivated than I have been since beginning this year at uni. I have figured out my software problems (all on my own!) and I have managed to write up the main part of the assignment using the software. I am so proud of myself, I can do this!!
    LBM 20/9/17 5101.55/5690.50 = Loan: 1923.70/2207.38 Car Loan: 2166.87/2419.64 0% CC: 1010.98/1063.48 DFD Oct 18.
    SPC 586
    • EssexHebridean
    • By EssexHebridean 15th Nov 17, 4:41 PM
    • 8,199 Posts
    • 42,635 Thanks
    EssexHebridean
    Hey well done - that was a happy ending and a half!

    Do you have student support at your Uni - maybe through the Dean's office or someone who is there specifically to be talked to about issues like these? It sounds like that thing of asking people to go in out of regular hours and telling them they'll lose marks if they can't needs sorting, if nothing else.
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£544.67 (17/10/17)
    SOA Calculator for DFW newbies: Stoozing.com SOA Calculator
    • ladymay
    • By ladymay 15th Nov 17, 5:18 PM
    • 666 Posts
    • 3,201 Thanks
    ladymay
    Nice work DFD!
    [COLOR=Navy]Debt 14/04/12: £15736.77
    Debt 09/12/14 ZERO POUNDS
    Debt 15/10/17: £1714.40
    Debt 14/11/17: £1631.61
    Moving back to the UK 05/01/18
    • DebtFreeDuo
    • By DebtFreeDuo 15th Nov 17, 5:55 PM
    • 449 Posts
    • 2,184 Thanks
    DebtFreeDuo
    Hey well done - that was a happy ending and a half!

    Do you have student support at your Uni - maybe through the Dean's office or someone who is there specifically to be talked to about issues like these? It sounds like that thing of asking people to go in out of regular hours and telling them they'll lose marks if they can't needs sorting, if nothing else.
    Originally posted by EssexHebridean
    I'm not sure, I would assume that they have support somewhere although this lecturer is also the director of the particular degree that I do so I don't want it to backfire on me in anyway which I'm worried it will because of the type of character he is. I will see if I can talk to someone in confidence at the university just to see whether or not they believe this kind of behaviour is acceptable. If they feel that it is then I may have to look at transferring to a different university next year.
    LBM 20/9/17 5101.55/5690.50 = Loan: 1923.70/2207.38 Car Loan: 2166.87/2419.64 0% CC: 1010.98/1063.48 DFD Oct 18.
    SPC 586
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