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  • FIRST POST
    • Alice in Poorland
    • By Alice in Poorland 6th Nov 11, 8:50 PM
    • 2,074Posts
    • 7,558Thanks
    Alice in Poorland
    We are about to pull the purse strings soooo tight!
    • #1
    • 6th Nov 11, 8:50 PM
    We are about to pull the purse strings soooo tight! 6th Nov 11 at 8:50 PM
    Hi All,

    Like a lot of people on here I have been lurking on this site as a watcher for a number of years and during this time I have also watched our finances spiral out of control. Today I have had my LBM and oh boy could I cry.

    I have just done our SOA (which I will post once I've got all the info present and correct). Without the morgage I think we owe approx 30K, we've run out of money this week and have still got to pay out £350 before Thursday (all direct debits), this shortfall has been caused by my OH changing to weekly pay and all the bills come out in the first week on the month (well partly, the other reason is just that we owe so much). Will ask the bank tomorrow for an extension to the overdraft.......I can hear the 'I don't think so' all ready.

    Everthing is such a mess, our finances have spiralled out of control, I'm such a mess (could do with a complete makeover and dramatic weight loss), I can't keep up with the housework, the garden, the kids, Oh and I work full time too.

    I am truly hoping that we can get back on the straight and narrow and sort out our money problems. Then I will hopefully feel that everything else that needs sorting easier to tackle.

    Apologies for rambling on, I'm just feeling very alone and like a complete failure at the moment.
Page 149
    • Alice in Poorland
    • By Alice in Poorland 17th Sep 16, 6:36 AM
    • 2,074 Posts
    • 7,558 Thanks
    Alice in Poorland
    We've received a letter re reduced interest on our mortgage. The letter did show that our mortgage balance is 49K. That's scary to see it so low.

    Must do meter readings this morning. Pegged 3 loads out yesterday, it did rain in the morning but soon dried up and was breezy, by the time I came home it was all dry.

    Had chippy tea last night, DSs friend stayed for tea, £17 the bill from the chippy was.

    OHs car insurance due. Must do comparison.

    Footie this morning, early start hence this early diary post.

    Hope everybody has a good day.

    Xx
    No.of payments 40/32. DMP with CCCS started Jan'12 - £34,906 Jan'13 - £31,893 Jan'14 - £26,836 Jan'15 - £21,894 Jan'16 - £16,839
    Jan 16- Bcard 1 £1222,Bcard 2 £5190,Bcard loan £1256, C@ptl £3010 ,Ybank £4172,Virgin/MBNA £799 YB1 £203, S@ntader £965
    DFD - Jan 2027 Nov 2018 Jan 2019
    • brizzledfw
    • By brizzledfw 17th Sep 16, 5:55 PM
    • 6,157 Posts
    • 29,214 Thanks
    brizzledfw
    £49k!! I wish that was mine, well done!

    Hope footie result was what the boys hoped for
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    New debt: £7000 0%; Savings: £1400
    Declutter 50 items before 30.09.16 42/50 **
    NSDs Target 5 for September 5/5 EBay Sales Target 30.09.16 £299/£100
    • Alice in Poorland
    • By Alice in Poorland 18th Sep 16, 8:57 AM
    • 2,074 Posts
    • 7,558 Thanks
    Alice in Poorland
    Hi brizzle, all good at footie.

    Had a letter re Bcard loan, balance is £889, it has been transferred to Westcot. Is this a good move?!?

    Yesterday had a little spend at the club after football, small spend in supermarket and got petrol. Still only on 5 NSDs.

    Need to do meal plan and shopping list, and update spending diary/budget.

    Pegged out yesterday, did an hours worth of ironing.....still got more to do, plus what dries today. Need to catch up on housework this morning, then a little chillax this afternoon.

    Xx
    No.of payments 40/32. DMP with CCCS started Jan'12 - £34,906 Jan'13 - £31,893 Jan'14 - £26,836 Jan'15 - £21,894 Jan'16 - £16,839
    Jan 16- Bcard 1 £1222,Bcard 2 £5190,Bcard loan £1256, C@ptl £3010 ,Ybank £4172,Virgin/MBNA £799 YB1 £203, S@ntader £965
    DFD - Jan 2027 Nov 2018 Jan 2019
    • Eager_Elephant
    • By Eager_Elephant 20th Sep 16, 7:37 AM
    • 3,541 Posts
    • 17,328 Thanks
    Eager_Elephant
    Had a letter re Bcard loan, balance is £889, it has been transferred to Westcot. Is this a good move?!?
    Xx
    Originally posted by Alice in Poorland

    Yes it is - debt agencies are more willing to accept lower payments and full and finals...............
    Ninja Saving Turtle No. 1 for September
    NSD - 14/14
    (up to 27/9/16)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • Alice in Poorland
    • By Alice in Poorland 22nd Sep 16, 9:51 PM
    • 2,074 Posts
    • 7,558 Thanks
    Alice in Poorland
    Thanks EE, Westcot actually left a message on my works answerphone when I got into work this morning (an automated one), and text me....twice. I've tried to call them when I finished work, held on for 6 mins listening to the automated message then gave up.

    I/we have got lots of post to go through, just had a really hectic week. Been helping the oldies, extra hours at work (unpaid but will take the time at some stage), OH doing bits at the sports club.

    Managed to peg out yesterday, tonight came home vac'd all round and cleaned bathroom.

    Having hair trimmed this weekend, out on Saturday night......should be a cheap night tho!

    Still trying really hard to stick with healthy eating plan.

    Need to pay sports club subs....still.

    Xx
    No.of payments 40/32. DMP with CCCS started Jan'12 - £34,906 Jan'13 - £31,893 Jan'14 - £26,836 Jan'15 - £21,894 Jan'16 - £16,839
    Jan 16- Bcard 1 £1222,Bcard 2 £5190,Bcard loan £1256, C@ptl £3010 ,Ybank £4172,Virgin/MBNA £799 YB1 £203, S@ntader £965
    DFD - Jan 2027 Nov 2018 Jan 2019
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