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  • FIRST POST
    • Alice in Poorland
    • By Alice in Poorland 6th Nov 11, 8:50 PM
    • 2,085Posts
    • 7,586Thanks
    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
    • 2,085 Posts
    • 7,586 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
    • 6,293 Posts
    • 29,980 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: £10,000 0% ;
    Declutter 50 items before 31.12.16 xx/50 ** LSDs Target 10 for December xx/10 **AFDs xx/17
    **NSDs Target 6 for December xx/6
    • Alice in Poorland
    • By Alice in Poorland 18th Sep 16, 8:57 AM
    • 2,085 Posts
    • 7,586 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
    • 3,623 Posts
    • 18,129 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. 23 for December
    NSD - 1/15
    (up to 1/12/16)
    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
    • 2,085 Posts
    • 7,586 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
    • dawnybabes
    • By dawnybabes 15th Oct 16, 10:26 AM
    • 1,548 Posts
    • 3,640 Thanks
    dawnybabes
    Hi Alice

    Hope all is well - missing you !!
    Sealed pot challenge 822

    Jan - £176.66
    • brizzledfw
    • By brizzledfw 15th Oct 16, 11:22 AM
    • 6,293 Posts
    • 29,980 Thanks
    brizzledfw
    Yep..hows it going? Hope you're just nicely busy in RL..rather than horribly so?
    x
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    New debt: £10,000 0% ;
    Declutter 50 items before 31.12.16 xx/50 ** LSDs Target 10 for December xx/10 **AFDs xx/17
    **NSDs Target 6 for December xx/6
    • Alice in Poorland
    • By Alice in Poorland 16th Oct 16, 11:51 AM
    • 2,085 Posts
    • 7,586 Thanks
    Alice in Poorland
    Hi All, I'm back.... Well will try my best anyway. We've had a horrible few weeks, major family issues which have made me feel worse than worthless and a failure. The car has broke behind repair, which we have managed to replace this morning but had to borrow money off DS2.

    There have been a few other things that although trivial have just added to my stress. I've broken 2 fingers which has been painfully but has just hindered me something rotten. How can 2 broken fingers and a sprained wrist cause so much inconvenience!! I tried to log on here and couldn't remember my password, the the laptop crashed, then to cap it all the iron blew up on Friday......those who know me know I go through an iron a year or so it seems. So I've been feeling very sorry for myself but this morning I've just given myself a firm talking too, and will get back on track.

    I've still been pegging out, in fact I've just put a load out now that the rain has stopped, and I've put some throws in so they are all washed and clean to put over us whilst we attempt to leave the heating off for as long as possible.

    On the money front, sort off ticking along, still doing battle with Bcard. Not counted NSDs this month. Emergency fund has £52 but think the 20p jar is almost full so there must be £20 odd quid in there.

    Have ordered nieces and nephews Christmas presents, its something practical to put the money they are having in.

    DS1 needs funds, mega funds not sure how we are going to sort this. But will wait until it becomes critical and then sort. Not burying my head in the sand but there isn't much I can do at the moment.

    DS3 has school photo this week, I'm really hoping it's a good one as want to use it as part of a Christmas present.

    Think that's all for now. Thank you dawnybabes and brizzle for your posts. I've missed you all.

    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
    • Verbatim
    • By Verbatim 16th Oct 16, 12:22 PM
    • 4,246 Posts
    • 11,629 Thanks
    Verbatim
    Welcome back Alice. I've missed you too. So sorry to hear life has not been treating you well and I really hope that your run of bad luck has ended.
    You are such a resourceful, determined and caring person so don't you dare entertain the idea that you're not! Far less anything approaching worthless.
    I know how worrying it must be to know you have major expenditure coming up without a clear idea of where it's coming from.
    On a lighter note you could give up ironing(!) or ask on freecycle for a temporary replacement. For the major sums could you suspend payments to creditors for a month or two? I know you're not with a dmp agency any more but they used to allow that for major expenditure needs.
    In any event try not to worry and keep on keeping on.
    Vx
    CCs @0% £24k Dec 05 £19,621.41 Au £13400 S 12600 Oct £11,981 £9481 £7500 Nov £7250 D £7100 Jan 6950 F £5800 Mar£5400 May £4830 June £4660 July £4460 Aug £3200, S £900, £0 18/9/07 DFW Nerd 042
    • Puzzcat
    • By Puzzcat 16th Oct 16, 3:49 PM
    • 3,754 Posts
    • 15,842 Thanks
    Puzzcat
    Hi Alice,

    Sorry your having a hard time of it at the moment. I have just reduced all my creditor payments down to £5 each a month for the next 3 months to save up to pay for dd's uni rent. 5 out of the 9 have put me onto a 6 month payment plan.. tempting.... I will see how it goes. The others are happy to accept what I have offered or haven't responded so got it anyway..!! I just wrote to each and told them that is what I was doing.. I really think you could do with a little break and although it delays the debt free journey, you sound like you could do with a little less stress for awhile.

    One rang and they didn't want me to pay anything, most wrote and I did speak to a couple of the dca's as they wanted i & e's and I told them as in my letter I will be redoing it in December to adjust to my new financial circumstances and they were happy with that. Its all about communication. No nasty phone calls or letters, please put yourself and your family first, debts can wait.

    Love Puzz. x
    Christmas 2016 £600 cash/£105 vouchers
    I love my dmp started in Nov 13 with SC 32.2% paid
    Going Self Managed March 2016
    Pot Of Gold - £335.00
    MY DIARY -
    http://forums.moneysavingexpert.com/showthread.php?t=4768685
    • brizzledfw
    • By brizzledfw 23rd Oct 16, 8:47 AM
    • 6,293 Posts
    • 29,980 Thanks
    brizzledfw
    Keep truckin' Alice...hope it all gets easier very very soon

    Xx
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    New debt: £10,000 0% ;
    Declutter 50 items before 31.12.16 xx/50 ** LSDs Target 10 for December xx/10 **AFDs xx/17
    **NSDs Target 6 for December xx/6
    • Alice in Poorland
    • By Alice in Poorland 23rd Oct 16, 10:58 AM
    • 2,085 Posts
    • 7,586 Thanks
    Alice in Poorland
    Welcome back Alice. I've missed you too. So sorry to hear life has not been treating you well and I really hope that your run of bad luck has ended.
    You are such a resourceful, determined and caring person so don't you dare entertain the idea that you're not! Far less anything approaching worthless.
    I know how worrying it must be to know you have major expenditure coming up without a clear idea of where it's coming from.
    On a lighter note you could give up ironing(!) or ask on freecycle for a temporary replacement. For the major sums could you suspend payments to creditors for a month or two? I know you're not with a dmp agency any more but they used to allow that for major expenditure needs.
    In any event try not to worry and keep on keeping on.
    Vx
    Originally posted by Verbatim
    Thank you V, ooo I wish I could give up ironing......my mother would never approve. I did manage to get an iron from sburys reduced and used nectar points, so cost £8 in the end.

    Thank you so much for your kind words.

    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
    • Alice in Poorland
    • By Alice in Poorland 23rd Oct 16, 11:02 AM
    • 2,085 Posts
    • 7,586 Thanks
    Alice in Poorland
    Hi Alice,

    Sorry your having a hard time of it at the moment. I have just reduced all my creditor payments down to £5 each a month for the next 3 months to save up to pay for dd's uni rent. 5 out of the 9 have put me onto a 6 month payment plan.. tempting.... I will see how it goes. The others are happy to accept what I have offered or haven't responded so got it anyway..!! I just wrote to each and told them that is what I was doing.. I really think you could do with a little break and although it delays the debt free journey, you sound like you could do with a little less stress for awhile.

    One rang and they didn't want me to pay anything, most wrote and I did speak to a couple of the dca's as they wanted i & e's and I told them as in my letter I will be redoing it in December to adjust to my new financial circumstances and they were happy with that. Its all about communication. No nasty phone calls or letters, please put yourself and your family first, debts can wait.

    Love Puzz. x
    Originally posted by Puzzcat
    Thank you Puzz, I do battle with myself over reducing the payments.

    The DCAs I've spoken to have all been OK......apart from Bcard but that's a different story.....to be honest I almost don't want them to be nice to me when I call. That does sound bizarre doesn't it.

    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
    • Alice in Poorland
    • By Alice in Poorland 23rd Oct 16, 11:03 AM
    • 2,085 Posts
    • 7,586 Thanks
    Alice in Poorland
    Keep truckin' Alice...hope it all gets easier very very soon

    Xx
    Originally posted by brizzledfw
    Thanks brizzle. I'm going to keep plodding.

    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
    • Alice in Poorland
    • By Alice in Poorland 23rd Oct 16, 11:18 AM
    • 2,085 Posts
    • 7,586 Thanks
    Alice in Poorland
    I'm so grateful for your posts. They put things in perspective. I know we've got to live, DS won't need all this financial assistance for ever and we will pay all the debt off eventually.

    This week has been another tough one, you can tell because I've made two jellies. next week I've got a few days child care to pay £60 and a day off so looking forward to that.

    I need to get back to the spending diary. I've been keeping too much in my head the past few weeks.

    On the home front. House is so untidy so going to sort it out today. Pegged out yesterday, didn't dry 100% but only needed airing. Have pegged out all bed sheets this morning but it's just started to drizzle.

    OH currently de-weeding drive and tidying up the front.

    Still doing clubbercise, struggling with my wrist still, fingers just about ok now but I love it. Some of the music they play just take me back, remembering when we did 'all nighters', the very thought of them makes me shudder now.

    Thank you again for your wise words and encouragement.

    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 23rd Oct 16, 11:49 AM
    • 6,293 Posts
    • 29,980 Thanks
    brizzledfw
    Hi

    Just seem you'd posted and dropped by...my house is also very untidy at the mo and whilst I am absolutely not in the neat freak spectrum (as those in RL can testify!!) I know it affects me when it feels out of control. Hope you feel better soon. On the advice of Tinkerbell and DIA..I am also looking into a bullet journal to feel more in control, alongside my beloved YNAB. I have dug out an old journal with a nice sticker on front and purple cover (I love purple) which has a few musings in it already and will continue in that...will keep you posted

    So have set girls on it...my mIL IS a tidy freak so let's see what we can do in next 30 mins with Cerys blaring out on R6!!
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    New debt: £10,000 0% ;
    Declutter 50 items before 31.12.16 xx/50 ** LSDs Target 10 for December xx/10 **AFDs xx/17
    **NSDs Target 6 for December xx/6
    • mummytogirls
    • By mummytogirls 25th Oct 16, 3:59 PM
    • 4,549 Posts
    • 11,864 Thanks
    mummytogirls
    Awwww Alice, sounds like you've had a rough couple of weeks but you know what you need to do. How on earth did you sprain your wrist and break 2 fingers?!

    I reckon you're giving the iron too much of a hard time I always go for morphy richards and they always seem ok and not too badly priced. Seems you got a bargain with yours.

    Take care xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £9104.15 - 15/11/16 - 60.70% paid off
    • Alice in Poorland
    • By Alice in Poorland 25th Oct 16, 10:20 PM
    • 2,085 Posts
    • 7,586 Thanks
    Alice in Poorland
    Hi brizzle, love the journal idea. I used to be really hot on filling in the spending diary/budget but have cooled off big just lately.....naughty naughty.

    Have started lists for Christmas - things to do, things to get etc etc.

    P.s. House is still a bit untidy, but the outside front looks very smart.

    Hi mummy, the wrist was just one of those things, i was walking towards a football pitch, turned my head to speak to OH who was a bit behind me, then somehow (possible tripped over a blade of grass) just fell forward, put my hand out to steady myself but missed the post and my hand hit the concrete, hence broken fingers and a very sore wrist......absolutely no alcohol involved.

    Unfortunately it is my non-ironing hand.

    In other news, the heating is still off. But chilly in here tonight but got fleece on and throw over my legs so bearable.

    Called into supermarket on way home, spent £26.

    DS3 needs new trainers. He does only have one pair which he wears for every leisure activity. Budget for new pair £25.

    Must go through pile of post/paperwork that has grown on the side in the kitchen!!

    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 26th Oct 16, 8:51 PM
    • 3,623 Posts
    • 18,129 Thanks
    Eager_Elephant
    How are you managing with one hand out of action?


    Heating - I know it was the hot topic of conversation on your diary last year so I can see it will be the same this year!!!
    We have been managing with no heating, some nights my nose has been really cold but generally we have been warm enough (as long as I don't stand on the tiled kitchen floor for too long!!).
    DD had a friend round at the weekend so the heating was put on as friend was cold - oh my god it was awful - the house heated up really quickly. DD ended up too hot and in a t-shirt, friend still had a hoody on and said she was just right. DH and I were sweating buckets and ended up sleeping on top of the duvet because the house was still boiling hot at 2 in the morning (heating having gone off at about 10pm).
    We all vowed, including DD not to put the heating on again as we can't cope.
    But DD has another friend coming tomorrow and staying over, she is a tiny slip of a girl so will probably feel the cold (unlike our family who have a nice layer!!) so the heating will probably have to go on - I am dreading it and will get my summer PJ's out just in case!!
    Ninja Saving Turtle No. 23 for December
    NSD - 1/15
    (up to 1/12/16)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • Alice in Poorland
    • By Alice in Poorland 30th Oct 16, 11:43 AM
    • 2,085 Posts
    • 7,586 Thanks
    Alice in Poorland
    Hi EE, I'm not doing to bad with the hand, fingers are ok it's my wrist, would probably be better if it was broken bones trying to heal. yeah heating is well and truly still off. In fact it's been quite mild here the last week or so. As also aiming for 1st November but after that will only put on if extremely cold or house feels damp.....or if we have visitors.

    Feel you pain when you've had to put the heating on. That would be us sweating it out.lol.

    I did put the heated airer on last night, was on for approx 4 hours, cost is suppose to be 6p per hour. I had pegged out but it hadn't dried at all really, and I couldn't fit everything on the airers. Was having a good tidy up and clean yesterday afternoon and just wanted it dried and out of the way.

    On the money front, we've put £25 petrol in both cars. Spent £83 in sburys but £28 was on clothes for DS3, and underwear. Also spent £25 on trainers for DS3. Spent £8 in £1stretcher, had to get new ironing board cover and picked up multi pack baked beans (got to be Heinz I'm afraid) whilst I was in there.

    Went out last night to Halloween party, spent £20 or so.

    So a spendy couple of days. Need to update spending diary, meal plan just about sorted for next week.

    Have won some BN shoes on eBay, £6 in total, would of cost over £40 from next....a bargain.

    Will start keeping check on NSDs from 1st November.

    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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