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  • FIRST POST
    • Alice in Poorland
    • By Alice in Poorland 6th Nov 11, 8:50 PM
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    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 154
    • Verbatim
    • By Verbatim 17th Feb 17, 12:03 AM
    • 4,485 Posts
    • 12,951 Thanks
    Verbatim
    Glad things are on a more even keel and that the MOT was relatively painless!
    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
    • Alice in Poorland
    • By Alice in Poorland 17th Feb 17, 10:06 PM
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    Alice in Poorland
    Thanks V, I do find MOTs quite stressful.

    I have pegged out today and I would say the washing dried 80 odd %. Just going to air it over night. Got another 2 loads to peg out tomorrow. Can't wait........hehehe sad I know.

    Next week we need £60 to pay for childcare. Got another mammoth journey with sports club tomorrow.

    Have left the heating off the last few nights. Last night was a bit chilly but tonight it wasn't too bad. Must do meter readings!!!

    Xx
    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'17 £14,415
    Jan 17- Bcard 1 £1126,Bcard 2 £4823,Bcard loan £800, C@ptl £2630 ,Ybank £3651,Virgin/MBNA £799 YB1 £203, S@ntader £811
    DFD - Jan 2027 Nov 2018 Jan 2019 - DFD not sure at the minute!
    • brizzledfw
    • By brizzledfw 18th Feb 17, 8:59 AM
    • 7,071 Posts
    • 34,194 Thanks
    brizzledfw
    Sorry you're feeling fragile..if it helps any, so was I last week.

    Have a good weekend xxx
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    September '17 Savings Rate Goal: 33% [August 33%]
    Declutter 100 items before 30.09.17 35/100 ** LSDs Target 5 for September 02/05 **AFDs 09/15 ** Sales Target '17 £750 £225 so far
    **NSDs Target 5 for September 01/05 Trying to be a Frugalista
    • Verbatim
    • By Verbatim 18th Feb 17, 6:08 PM
    • 4,485 Posts
    • 12,951 Thanks
    Verbatim
    Sorry you're both feeling fragile. I hope you both have a lovely weekend. Feels like spring here and I've actually made inroads into the weed patch that my garden has become.
    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
    • Alice in Poorland
    • By Alice in Poorland 21st Feb 17, 9:24 PM
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    • 7,729 Thanks
    Alice in Poorland
    Sorry you're feeling fragile..if it helps any, so was I last week.

    Have a good weekend xxx
    Originally posted by brizzledfw
    Awww brizzle sorry to hear that. Hope your are having a better week.

    Xx

    Sorry you're both feeling fragile. I hope you both have a lovely weekend. Feels like spring here and I've actually made inroads into the weed patch that my garden has become.
    Originally posted by Verbatim
    Thank you V. Bet it feels good to be outside and be productive. I can't wait to get into our garden.

    Xx
    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'17 £14,415
    Jan 17- Bcard 1 £1126,Bcard 2 £4823,Bcard loan £800, C@ptl £2630 ,Ybank £3651,Virgin/MBNA £799 YB1 £203, S@ntader £811
    DFD - Jan 2027 Nov 2018 Jan 2019 - DFD not sure at the minute!
    • Alice in Poorland
    • By Alice in Poorland 21st Feb 17, 9:39 PM
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    • 7,729 Thanks
    Alice in Poorland
    Had a really mixed few days. Saturday night we had friends round, all very last minute. Ending up spending £28 in coop on food bits. We had the most fantastic night, I can't remember the last time I laughed that much....think the alcohol helped. The down side it took me all day Sunday to recover.....ooops.

    OH went to supermarket Sunday afternoon to get food bits for the week, spent £37. Have paid for childcare this week. Got more petrol.

    Did meter readings yesterday, current £76 debit. Have left heating off the last few nights but think may have to put it back on of the weather forecast is right.

    Had to do ironing last night due to my weekend antics.

    Me and OH back to normal....well whatever normal is for us.

    Still need to sort windscreen out. Cant wait for payday next week.

    Xx
    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'17 £14,415
    Jan 17- Bcard 1 £1126,Bcard 2 £4823,Bcard loan £800, C@ptl £2630 ,Ybank £3651,Virgin/MBNA £799 YB1 £203, S@ntader £811
    DFD - Jan 2027 Nov 2018 Jan 2019 - DFD not sure at the minute!
    • Verbatim
    • By Verbatim 21st Feb 17, 10:51 PM
    • 4,485 Posts
    • 12,951 Thanks
    Verbatim
    Glad you had a good laugh last Saturday! It's good to let your hair down occasionally.
    Hump day tomorrow.
    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
    • brizzledfw
    • By brizzledfw 22nd Feb 17, 8:20 AM
    • 7,071 Posts
    • 34,194 Thanks
    brizzledfw
    Glad you had a great weekend..agree we all need more laughter and good times with friends and family in our lives

    Have a good week
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    September '17 Savings Rate Goal: 33% [August 33%]
    Declutter 100 items before 30.09.17 35/100 ** LSDs Target 5 for September 02/05 **AFDs 09/15 ** Sales Target '17 £750 £225 so far
    **NSDs Target 5 for September 01/05 Trying to be a Frugalista
    • Alice in Poorland
    • By Alice in Poorland 25th Feb 17, 2:24 PM
    • 2,155 Posts
    • 7,729 Thanks
    Alice in Poorland
    It's a bit breezy today. Lol. Pegged out yesterday, dried a treat. Have been to sports club this morning. Took a flask, DS had £2 to get snacks, and had a go on the scratch card £1. OH and DS have just been and had their haircut £19.

    Had to get petrol yesterday, a prescription and some hair stuff. Need to send DS some money as well.

    Once I've thawed out going to get the housework done. Have pasta bake leftover for tea, will have some sausages as well as there is only a bit left.

    Xx
    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'17 £14,415
    Jan 17- Bcard 1 £1126,Bcard 2 £4823,Bcard loan £800, C@ptl £2630 ,Ybank £3651,Virgin/MBNA £799 YB1 £203, S@ntader £811
    DFD - Jan 2027 Nov 2018 Jan 2019 - DFD not sure at the minute!
    • Alice in Poorland
    • By Alice in Poorland 25th Feb 17, 2:27 PM
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    • 7,729 Thanks
    Alice in Poorland
    Forgot to mention one of the Bcard debts (old MBNA card) is down to £670. Paying £43 per month. I would like to over pay this one to get rid of it, but really need to get the emergency fund upto a reasonable amount.

    Xx
    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'17 £14,415
    Jan 17- Bcard 1 £1126,Bcard 2 £4823,Bcard loan £800, C@ptl £2630 ,Ybank £3651,Virgin/MBNA £799 YB1 £203, S@ntader £811
    DFD - Jan 2027 Nov 2018 Jan 2019 - DFD not sure at the minute!
    • brizzledfw
    • By brizzledfw 25th Feb 17, 3:03 PM
    • 7,071 Posts
    • 34,194 Thanks
    brizzledfw
    Hi Alice, glad its been breezy (like your turn of phrase ) so you can peg out..youre clearly an expert in seeing a silver lining!!

    I am also trying to set up an EF..but mixed success as want to pay down the CCs more...its a toughie

    Just done my meter readings too and thought of you

    Have a good weekend
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    September '17 Savings Rate Goal: 33% [August 33%]
    Declutter 100 items before 30.09.17 35/100 ** LSDs Target 5 for September 02/05 **AFDs 09/15 ** Sales Target '17 £750 £225 so far
    **NSDs Target 5 for September 01/05 Trying to be a Frugalista
    • Verbatim
    • By Verbatim 25th Feb 17, 5:51 PM
    • 4,485 Posts
    • 12,951 Thanks
    Verbatim
    Hi Alice
    I'd want to get rid too but I guess the EF is pretty essential too. Glad pegging out weather is here again!
    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
    • Eager_Elephant
    • By Eager_Elephant 26th Feb 17, 9:04 AM
    • 4,079 Posts
    • 21,891 Thanks
    Eager_Elephant
    In Suffolk we have also been breezy - I managed to get my bedding and towels all dry.
    The neighbours must think I am mad!!

    What is your aim for the emergency fund?
    I don't have an emergency fund just loads of savings accounts for various things which I save a set amount to each month - do you have the funds to be able to do that Alice?
    Ninja Saving Turtle No. 20 for August
    NSD - 0/18
    (up to 01/09/17)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • Alice in Poorland
    • By Alice in Poorland 1st Mar 17, 9:42 PM
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    • 7,729 Thanks
    Alice in Poorland
    Hi Alice, glad its been breezy (like your turn of phrase ) so you can peg out..youre clearly an expert in seeing a silver lining!!

    I am also trying to set up an EF..but mixed success as want to pay down the CCs more...its a toughie

    Just done my meter readings too and thought of you

    Have a good weekend
    Originally posted by brizzledfw
    Hi Alice
    I'd want to get rid too but I guess the EF is pretty essential too. Glad pegging out weather is here again!
    Originally posted by Verbatim
    In Suffolk we have also been breezy - I managed to get my bedding and towels all dry.
    The neighbours must think I am mad!!

    What is your aim for the emergency fund?
    I don't have an emergency fund just loads of savings accounts for various things which I save a set amount to each month - do you have the funds to be able to do that Alice?
    Originally posted by Eager_Elephant
    Hi All, you just can't beat a bit of pegging out.

    Ideally I'd like £500 in the EF but realistically I think £200 would make me feel more at ease. I've really got to find that bit of money to put away each week/month.

    Tomorrow night I will sit and go through the budget for the month and payments toward the debt. Forgot to mention there is a debt that nobody has chased yet. I have been making payments towards it but only £5. It's with S@nt@nder. Wrote to them but still haven't heard anything. Also nothing from the Bcard since that has been passed to the debt recovery department. You watch they'll be a letter through the door tomorrow.

    Got a busy month for birthdays. Still need to replace windscreen. Not sure how many NSDs I had last month, not very many and definately not enough. Going to try really hard this month. Today was NSD 1.

    DS needs swimming trunks for school lessons, and he also needs new school socks. Need to colour my hair too.

    Nearly forgot OH had a statement from PRA, one of his debts is down to £550.

    Just got to keep plodding.

    Xx
    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'17 £14,415
    Jan 17- Bcard 1 £1126,Bcard 2 £4823,Bcard loan £800, C@ptl £2630 ,Ybank £3651,Virgin/MBNA £799 YB1 £203, S@ntader £811
    DFD - Jan 2027 Nov 2018 Jan 2019 - DFD not sure at the minute!
    • Alice in Poorland
    • By Alice in Poorland 4th Mar 17, 9:48 AM
    • 2,155 Posts
    • 7,729 Thanks
    Alice in Poorland
    No sports club today. Games have been called off because of the weather. Soooo whilst everybody else is grumpy I'm quite relieved.

    Had chance to catch up with budget/spending diary this morning. In Jan we spent £380 on food/cleaning stuff/toiletries and in Feb we spent £355. Petrol spends were £240 January and £220 in February.

    Have done meter readings and we are -£32.12. I have started to either leave the heating off or turn it off earlier in the evening. Hopefully we will see a saving soon.

    Food/cleaning stuff/toiletries works out at £91 per week for everything. Going to try and bring this down in March. Haven't been as.....id say 'strict' but not sure that is the right word.....recently but definately going to try harder.

    Have pegged out all the bedding, jeans, thick sweatshirts this morning. It's so nice not to have then hanging around the house.

    I'm going to go into town....armed with my list!! Kids and OH are out this afternoon so I will have peace and quiet to do the housework in.

    Need to colour my hair. My cut and blow dry has gone up a couple of £'s. Hmmm don't really want to switch hairdressers so will up the hair budget a few pounds.

    Hope everybody has a good day.
    Xx
    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'17 £14,415
    Jan 17- Bcard 1 £1126,Bcard 2 £4823,Bcard loan £800, C@ptl £2630 ,Ybank £3651,Virgin/MBNA £799 YB1 £203, S@ntader £811
    DFD - Jan 2027 Nov 2018 Jan 2019 - DFD not sure at the minute!
    • Verbatim
    • By Verbatim 4th Mar 17, 1:20 PM
    • 4,485 Posts
    • 12,951 Thanks
    Verbatim
    Well you've saved on the sports this week in petrol money and maybe a drink? There's your extra for your hair!
    Are you going to work out your dfd again?
    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
    • Alice in Poorland
    • By Alice in Poorland 5th Mar 17, 11:16 AM
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    • 7,729 Thanks
    Alice in Poorland
    Well you've saved on the sports this week in petrol money and maybe a drink? There's your extra for your hair!
    Are you going to work out your dfd again?
    Originally posted by Verbatim
    Hi V, haha that's true, so haircut sorted for next month......I like it.

    Yeah I must do some sums and see where we are at. Currently paying money to parents for flights and other spends for DS so unfortunately it will be longer than originally planned.

    Xx
    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'17 £14,415
    Jan 17- Bcard 1 £1126,Bcard 2 £4823,Bcard loan £800, C@ptl £2630 ,Ybank £3651,Virgin/MBNA £799 YB1 £203, S@ntader £811
    DFD - Jan 2027 Nov 2018 Jan 2019 - DFD not sure at the minute!
    • Alice in Poorland
    • By Alice in Poorland 5th Mar 17, 11:23 AM
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    • 7,729 Thanks
    Alice in Poorland
    Yesterday afternoon turned out a bit spendy...but all good. I went to town and got my bits from there, then I went to C0stc0 with my friend and spent £53. But amongst the spends I did get 2 birthday presents and some chicken

    Will put theses spends down in the spend diary. Going to keep a close eye this month.

    I just got back yesterday and it started to rain. Washing had dried a treat. Now got an huge ironing pile.

    Off to deliver one of the gifts. Then a chill out afternoon.

    Xx
    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'17 £14,415
    Jan 17- Bcard 1 £1126,Bcard 2 £4823,Bcard loan £800, C@ptl £2630 ,Ybank £3651,Virgin/MBNA £799 YB1 £203, S@ntader £811
    DFD - Jan 2027 Nov 2018 Jan 2019 - DFD not sure at the minute!
    • Alice in Poorland
    • By Alice in Poorland 8th Mar 17, 11:33 AM
    • 2,155 Posts
    • 7,729 Thanks
    Alice in Poorland
    Half way through the week.

    Only managed 2 NSD's so far this month. Had to get petrol and a small top up shop £11.55 in @ldi yesterday.

    Also on the money front, nothing from Bcard or the other debt that we haven't been paying (still waiting for them to confirm account details).

    Pegged out two loads on Monday. I was out at exercise class on Monday night. Last night the kids had footie and I dashed back to get tea and clear up before I watched The Replacement (how good is this programme....well its gripped me anyway).

    Tonight as I've already mentioned to OH and DS's we need to have a tidy up. I can't believe how untidy our house is in just 2 days. Might tackle the ironing pile as well.

    Feel like spring is just around the corner.

    xx

    P.S. Must work out DFD too.
    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'17 £14,415
    Jan 17- Bcard 1 £1126,Bcard 2 £4823,Bcard loan £800, C@ptl £2630 ,Ybank £3651,Virgin/MBNA £799 YB1 £203, S@ntader £811
    DFD - Jan 2027 Nov 2018 Jan 2019 - DFD not sure at the minute!
    • Alice in Poorland
    • By Alice in Poorland 14th Mar 17, 4:28 PM
    • 2,155 Posts
    • 7,729 Thanks
    Alice in Poorland
    What a lovely day.

    Had a spendy weekend. We went to a wedding and stayed over. It was a really lovely day and night, and it was quite relaxing to stay over.

    Back home Sunday afternoon, back to reality. Didn't go to exercise class last night, did all the ironing instead......I know how sad.

    Think we....well I have become very complacent over the last few months. Now that we are not paying £475 direct to SC I haven't been as strict with our money. Need to pull the purse strings back in before it comes back to bite us on the bum.

    Got a few jobs to do tonight, one of them is the spending diary/budget. Have started a sort of meal plan for the lunches which does seem to be going well. Might have to mix it up a bit next week or everybody will get bored.

    Only on 5 NSDs so far.

    xx
    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'17 £14,415
    Jan 17- Bcard 1 £1126,Bcard 2 £4823,Bcard loan £800, C@ptl £2630 ,Ybank £3651,Virgin/MBNA £799 YB1 £203, S@ntader £811
    DFD - Jan 2027 Nov 2018 Jan 2019 - DFD not sure at the minute!
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