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  • FIRST POST
    • Alice in Poorland
    • By Alice in Poorland 6th Nov 11, 8:50 PM
    • 2,155Posts
    • 7,729Thanks
    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 155
    • Eager_Elephant
    • By Eager_Elephant 14th Mar 17, 7:16 PM
    • 4,104 Posts
    • 22,109 Thanks
    Eager_Elephant
    Its so easy to spend money isn't it - when you spend so long scrimping the need to treat yourself is always there.

    When you left SC what was the plan for debt repayment? I know you were going to reduce BC but did all the other debts stay the same?
    If you have £475 available for debts and are only paying debts £400 you need to find a home for £75 unless of course its needed to balance the budget/pay for DS' flights etc
    Ninja Saving Turtle No. 33 for October
    NSD - 0/18
    (up to 01/10/17)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • Alice in Poorland
    • By Alice in Poorland 18th Mar 17, 4:50 PM
    • 2,155 Posts
    • 7,729 Thanks
    Alice in Poorland
    Its so easy to spend money isn't it - when you spend so long scrimping the need to treat yourself is always there.

    When you left SC what was the plan for debt repayment? I know you were going to reduce BC but did all the other debts stay the same?
    If you have £475 available for debts and are only paying debts £400 you need to find a home for £75 unless of course its needed to balance the budget/pay for DS' flights etc
    Originally posted by Eager_Elephant
    Hi EE, all the other debts apart from BC and one other have stayed the same. We are currently paying £250 back for flights and other fees that were paid. We're also sending DS £300 per month for living expenses, foods, books etc. So we haven't got that £475 available any more.

    I need to get stricter with the spends!!

    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 18th Mar 17, 5:17 PM
    • 2,155 Posts
    • 7,729 Thanks
    Alice in Poorland
    Thursday night I went food shopping, spent £70 between @ldi and cheapy shop. Got petrol £25 and £20 (2 cars). Also kids had 'golden arches' as a treat. Last weeks childcare was £50, and I took £20 cash out for lottery etc. So by the time you add DSs money and money towards flights repayment that nearly all of OHs wages gone.

    This afternoon OH and DS have gone to a footie match. Tickets were free but we'll pay towards petrol and refreshments......that's the last of the £20.

    This week I've pegged out for 3 days , only had the heating on for one night. Have had it on this afternoon as well for a few hours, DS3 had a friend in to play and he was cold.

    Upto 6 NSDs.

    I still need to -
    Work out DFD
    Get windscreen sorted
    Build up emergency fund/savings pot
    Have a closer look at budget......and stop trying to wing it.

    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 19th Mar 17, 4:52 PM
    • 2,155 Posts
    • 7,729 Thanks
    Alice in Poorland
    2 loads pegged out and dried today.

    Have done meter readings. Bit concerned as we are £77 debit. Which means we have used £45 ish over the last 2 weeks. We've hardly had the heating on so not sure why it much higher than normal.

    Spends today - new outside light fitting and bulbs. Small spend in @ldi of £9.

    Have taken more cash out as I need to put towards a birthday collection at work and DSs bus ticket money.

    Hoping for a good week with limited spends.

    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 20th Mar 17, 8:43 PM
    • 2,155 Posts
    • 7,729 Thanks
    Alice in Poorland
    Didn't go to exercise class tonight so saved that money. Will pay towards work bday collection tomorrow.

    Came home and had a quick flick round with the vac, sorted all the washing out and put away (didn't do the ironing), cleaned down the kitchen and sorted some paperwork out. Feeling more organised now.

    Had an update on Bcard loan, it currently stands at £678. Took this out about 10years ago. I'm sure it was for nearly £10k. I'd taken extended maternity leave and we were struggling financially. So instead of sitting down and working out a budget and cutting back wherever we could....we took out a loan. I think this is where it all started to go wrong. Never again.

    Live and learn as they say.

    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 15th Apr 17, 10:05 AM
    • 2,155 Posts
    • 7,729 Thanks
    Alice in Poorland
    Has it really been that long since I posted. Hope everyone is OK, ready to enjoy a long weekend.

    No specific reason why I haven't posted.....which is even worse I suppose. It's an accumulation of things, RL, time management, couldn't log in, blah blah blah. No excuse really.

    I did think about starting a new diary but changed my mind. There's a lot of memories in this diary.

    Anyway on the money front, we've now got a computer. DS really needed one for his school work, the only thing is we were trying to be clever and use open office which has caused all sorts of problems with DS trying to do his work. We're not tech savvy at all.

    Have worked out that our current DFD is about 4years away. We have another 18months of DS studying abroad. Then we will have to payback money that other people have paid out for his studies, then there's his flights, which is a continuous cycle.

    We are also trying to help DS2 with his driving lessons. He's got a trip away with family which we are contributing too. He is also doing his bit.

    DS3 has needed new trainers this week. Still paying around £50 per week for his before and after school childcare. Thankfully only had to pay for 3 full days of care this holiday.

    Totally lost my mojo with the spending diary/budget. This is a must do for me to get back on track, and keep a record of spending etc.

    House is a tip, all apart from DS3s bedroom. I sorted all his clothes out yesterday, got a few things to sell. I have been pegging out loads, absolutely love it hehehe. Haven't had the heating on for well over a month now.......must do meter readings this weekend.

    Food spends, very much out of control. Also eaten out and had takeaways, we really have fallen off the wagon here. I've put on loads of weight, the two have got to be connected.

    Me and OH still plodding on, because I haven't been keeping tabs on things we haven't really argued but that means that the spending is/can get out of control. For me it's about finding a happy medium.

    This morning....as soon as I've finished this post I'm going to help DS2 tidy, sort his clothes out and generally clean his room.

    I need to update our spending diary/budget but by posting on here is a first step to getting back on track.

    Apologies for the rambling post. Basically typed anything that came into my head.

    Must keep away from the abundance of chocolate that is accumulating in our house.

    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 16th Apr 17, 10:52 AM
    • 2,155 Posts
    • 7,729 Thanks
    Alice in Poorland
    Easter Sunday and it's really quiet in our road. Think everybody is chilling out eating chocolate.

    Have done meter readings this morning. We have used £22 in 11 days, so that is more or less back to normal (£30 a fortnight).

    Family coming round for dinner, food all prepped, Easter egg hunt all ready, house tidy and just a bit of chocolate has been consumed already.

    Had a bit of a spend yesterday getting food stuffs for today and next week. Have done a meal plan so shouldn't need to get anything apart from milk......kids drinking loads of milk this morning whilst they've been eating their eggs.

    Still need to update spending diary.

    Hope everybody has a great 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!
    • Eager_Elephant
    • By Eager_Elephant 16th Apr 17, 12:59 PM
    • 4,104 Posts
    • 22,109 Thanks
    Eager_Elephant
    HI Alice, Glad to see you back.

    If I don't post regularly I always fall off the rails and end up spending when I shouldn't.

    Glad to see you are still hanging out - for the past month or so I have been hanging out every day. at points my washing basket was empty and I was gutted as the weather was nice and I could have got a load dry!!!

    Hope you managed to get DS2's room sorted.

    I am just about to start my great bedroom tidy up which I appear to have started numerous times but still the bedroom is a tip and still I have boxes of stuff with no home.

    Hope you have a fab Easter Sunday.
    Ninja Saving Turtle No. 33 for October
    NSD - 0/18
    (up to 01/10/17)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • mummytogirls
    • By mummytogirls 16th Apr 17, 1:07 PM
    • 5,492 Posts
    • 16,998 Thanks
    mummytogirls
    Afternoon Alice,

    Glad all is going well with you guys. I do think you need a break from the routine of everything money now and again

    Also I was thinking whilst reading your post from yesterday that you do so well helping the boys out in what they want to do. Well done in helping them have great life experience whilst balancing everything else.

    Happy Easter to you guys xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6936.45 - 04/09/17 - 70.99% paid off
    • brizzledfw
    • By brizzledfw 17th Apr 17, 8:46 AM
    • 7,109 Posts
    • 34,453 Thanks
    brizzledfw
    Excellently put Mummy...echoed by me.

    Just catching up Alice...good to know you're OK. I am also finding it hard to be as frugal as I was at the start of the year...not entirely sure why. But need to find the frugal mojo again ASAP

    Posting always helps for me as it's about focus and being accountable I think..
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    October '17 Savings Rate Goal: 25% [August 33%]
    Declutter 100 items before 31.10.17 40/100 ** LSDs Target 5 for October 0x/05 **AFDs xx/15 ** Sales Target '17 £750 £225 so far
    **NSDs Target 5 for October xx/05 Trying to be a Frugalista
    • Alice in Poorland
    • By Alice in Poorland 17th Apr 17, 11:40 AM
    • 2,155 Posts
    • 7,729 Thanks
    Alice in Poorland
    Thank you for the posts, it does mean a lot to me. Hopefully I'm getting back on track. I must catch up on your diaries too.

    Yesterday was lovely, ate far too much. Have had the last of the hot cross buns for breakfast. On a bad note, I have tooth ache. I chipped part of the tooth a few weeks ago, it's been ok but after all the sweet stuff over the last 24hrs if feels 'sore'.

    Good to hear about the pegging out EE . I haven't done any washing today but have just done nearly all the ironing. I've left the school shirts...gggrrrr.

    Mummy I noticed your updated figures in your signature, all looking good.

    I certainly miss posting on here too brizzle. Because nobody in RL, other than OH knows about our situation, it's a bit of a release for me. Hope your frugal mojo makes a speedy return.

    Today is going to be a bit of an all sorts day. Going to clean the hall carpet, sort a load of paperwork and clean the fridge out. Then off to the park for DS to try out the new skate park. Parking will be free as its bank holiday.

    Have also looked at the budget for the next week. I had £89 in the other account which I've transferred into the current account. We have a mobile bill coming out of the account tomorrow, and the council tax (which used to come out of the account on the 5th of every month but I set it up too late to start coming out the 5th for the next 12 months....doh!!).

    Roll on Thursday when OH gets paid and I can get back in control.

    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 20th Apr 17, 11:54 AM
    • 2,155 Posts
    • 7,729 Thanks
    Alice in Poorland
    Well I haven't been counting NSD's this month but yesterday was one. Tuesday spent £14 on bits for a picnic and toiletries. Forgot to get hairstuff so now look like i've put my finger in a plug socket.

    Had a busy few days, all events were FOC apart from paying for parking yesterday. At home today doing jobs in the garden.

    OH's payday....phew! Do you know we still haven't sorted the cracked windscreen out. The car has its MOT soon so will have to be done for then.

    We're off to a St George's day event on Saturday, will take £10 to spend (just in case) and a picnic.

    This holiday has just flown by!

    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 Apr 17, 7:14 PM
    • 2,155 Posts
    • 7,729 Thanks
    Alice in Poorland
    We had a lovely day on Saturday. Weather was fantastic, great afternoon at the St Georges Day celebrations.....then we went to a fair (DS had a go on 2 rides....£3 each!!), then went for food with friends. Spent £45 at the pub on meal and drinks. So not quite as I had planned, and the £10 budget didn't go very far.

    Sunday OH took DS3 to a bday party. I went with my friend to C0stc0 and Icel@nd, spent £80 in total. Freezer well and truly stocked up.

    Also coloured my hair, 2 boxes of hair colour on offer a sburys, £5 each.

    Then we did loads of jobs around the house and garden in the afternoon, and back to work yesterday.

    On the money front. we've had a letter from the bank today to say we didn't have enough money to pay one of the mobile bills. Now I thought I had checked that but obviously didn't check thoroughly enough. They haven't said there is a fee.....yet. I also need to speak to EE and arrange payment.

    Yesterday and today were NSD's, every little bit helps as they say.

    We've got a few Saturday evenings out coming up. Thinking I will budget £25 per night. They are mainly football presentations and a 50th bday party. But still need to pay for tickets for presentations!

    Freezing tonight but heating is staying off.

    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 28th Apr 17, 9:49 AM
    • 7,109 Posts
    • 34,453 Thanks
    brizzledfw
    Keep on plodding Alice...(and pegging out )

    Budget seems sensible. You have to go out sometimes after all and the sport is important xx
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    October '17 Savings Rate Goal: 25% [August 33%]
    Declutter 100 items before 31.10.17 40/100 ** LSDs Target 5 for October 0x/05 **AFDs xx/15 ** Sales Target '17 £750 £225 so far
    **NSDs Target 5 for October xx/05 Trying to be a Frugalista
    • Alice in Poorland
    • By Alice in Poorland 28th Apr 17, 11:22 PM
    • 2,155 Posts
    • 7,729 Thanks
    Alice in Poorland
    Hi brizzle, thanks for the post.

    Friday....at last. Tonight I've been to @ldi, sburys and cheapy shop. Hard work spreading the shopping over three shops.lol. Total spends £61. Includes cleaning stuff and toiletries.

    Put £30 petrol in car 1 and £15 in car 2. Works lottery paid today. Met OH at footie training, quick drink in the club house, £4.00 spend. Then 2 portions of chips for tea/supper.......not very MSE or healthy. Very lazy considering how full the freezer is, and I'd just been shopping.

    Tomorrow we are at our local town football match, where DS is mascot. No spends to get in but possible half time snacks, but I will take drinks and snacks with us. Then DS is off to a birthday party.

    Today I've paid £260 towards DS3s expenses, but totally forgot to pay debts. Will do them in a minute.

    I've volunteered myself to help arrange the school fete and a charity day at the sports club. I must be mad!!

    I've washed one load, another load in. Hope it's pegging out weather tomorrow. Must do meter readings as well!

    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 29th Apr 17, 8:40 AM
    • 4,497 Posts
    • 13,043 Thanks
    Verbatim
    All go in Poorland! Alice, you must have amazing energy. Do you do the sports too or just act as taxi for everyone? I'm guessing the former as you do so much!
    Sorry if you said but what are ds3's expenses? Did you mean ds1? Must be getting close to his summer trip back to the UK.
    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 30th Apr 17, 11:26 AM
    • 2,155 Posts
    • 7,729 Thanks
    Alice in Poorland
    All go in Poorland! Alice, you must have amazing energy. Do you do the sports too or just act as taxi for everyone? I'm guessing the former as you do so much!
    Sorry if you said but what are ds3's expenses? Did you mean ds1? Must be getting close to his summer trip back to the UK.
    Originally posted by Verbatim
    Hi V, yeah typo lol, I meant DS1. I'm just the taxi driver. My sport days are well and truly over.

    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 30th Apr 17, 11:35 AM
    • 2,155 Posts
    • 7,729 Thanks
    Alice in Poorland
    Pegging out, pegging out, pegging out. Hope everybody has got this lovely breezy sunny day. Absolutely ideal for pegging out.......as you can see I'm a tad excited about. I did peg out yesterday, but I've got the bedding, throws, cushion covers out today.

    Have done meter readings just need to log on and put them in. Bit slow at getting this done. Lol

    Having a day at home today. Bit of spring cleaning, DS3 playing out, DS 2 still in bed.

    Had a great time yesterday at the football match. Then OH took DS to the party whilst I went to get some picnic stuff. We are off den building tomorrow at our local nature reserve. Hope the weather is kind to us.

    Today has got to be a NSD.

    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!
    • mummytogirls
    • By mummytogirls 1st May 17, 9:59 AM
    • 5,492 Posts
    • 16,998 Thanks
    mummytogirls
    Love a good pegging out day Alice! xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6936.45 - 04/09/17 - 70.99% paid off
    • Alice in Poorland
    • By Alice in Poorland 1st May 17, 10:19 AM
    • 2,155 Posts
    • 7,729 Thanks
    Alice in Poorland
    It's been raining but is drying up now. Not looking forward to going den building in the middle of a damp soggy nature reserve. Plus DS3 isn't feeling 100% this morning. He's woke up with a headache and a bit of a temperature. Will see how it goes.

    Yesterday wasn't the NSD I'd planned. We went to the club last night, but only bought one drink each for me and OH, and took DS3s with us. It wasn't a late night.

    Have entered the meter readings, we are - £10.42. We only made a payment on the 28th so I assume/hoping things will level out over the summer.

    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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