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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 156
    • Alice in Poorland
    • By Alice in Poorland 1st May 17, 10:19 AM
    • 2,155 Posts
    • 7,729 Thanks
    Alice in Poorland
    Love a good pegging out day Alice! xx
    Originally posted by mummytogirls
    Absolutely.

    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 1st May 17, 10:28 AM
    • 6,847 Posts
    • 32,921 Thanks
    brizzledfw
    Have a great day Alice x
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    June '17 Savings Rate Goal: 25% [May 30%]
    Declutter 50 items before 30.06.17 139/50 ** LSDs Target 5 for June 05/05 **AFDs 12/20 ** Sales Target '17 £750 £110 so far
    **NSDs Target 5 for June 02/05
    • Alice in Poorland
    • By Alice in Poorland 1st May 17, 10:04 PM
    • 2,155 Posts
    • 7,729 Thanks
    Alice in Poorland
    Thanks brizzle. After a shaky start with DS not feeling well we've actually had a fab day. Wasn't quite the NSD I had wanted to start May with, spends were £3.50 to park the car and an ice cream for DS (miraculous recovery ).

    I've put aside DS2s bus money and that leaves me with pennies in my purse, so I had better have some NSDs this week.

    Feeling in control. Hope everybody has a good debt busting 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!
    • Alice in Poorland
    • By Alice in Poorland 3rd May 17, 9:36 PM
    • 2,155 Posts
    • 7,729 Thanks
    Alice in Poorland
    Yesterday was a NSD...finally. Lol. Today was such a carp day (work all going wrong) we had tea at the little cafe in town. Spent £23, not very MSE but damage is down now.

    We've still got one more sports presentation tickets to pay for, £25 this is the most expensive one. At least we get fed.

    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 3rd May 17, 9:43 PM
    • 6,847 Posts
    • 32,921 Thanks
    brizzledfw
    Sounds worth it. Live a little when you can Alice. Sitting in my garden wrapped up, but glorying in the start of summer..well not winter anyway
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    June '17 Savings Rate Goal: 25% [May 30%]
    Declutter 50 items before 30.06.17 139/50 ** LSDs Target 5 for June 05/05 **AFDs 12/20 ** Sales Target '17 £750 £110 so far
    **NSDs Target 5 for June 02/05
    • Alice in Poorland
    • By Alice in Poorland 7th May 17, 3:53 PM
    • 2,155 Posts
    • 7,729 Thanks
    Alice in Poorland
    What a lovely day. It's amazing how much better a bit of sunshine can make you feel.

    A bit of a catch up. Thursday was NSD2, Friday had to get petrol and a few bits. Yesterday sortedout DS2s travel insurance (should of done that sooner but at least it is done now). Yesterday was DS3s last football match () so he had a hot sandwich from the cafe at the pitch as a treat. I'd take the flask and other snacks so no other spends there.

    It was particularly cold yesterday and we couldn't get warm when we got back, so I have to confess we put the heating on for a few hours. I had actually pegged out yesterday even though it was overcast and threatening rain yesterday. Wasn't 100% dry but only needed airing.

    Today OH and the kids went to watch the football (£30 taken h) so I went food shopping. Armed with my list, spent £65. Also got petrol in the other car.

    I've tidied, dusted and vac'd everywhere so just waiting to have dinner.

    Need to update spending diary!!

    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 7th May 17, 3:58 PM
    • 2,155 Posts
    • 7,729 Thanks
    Alice in Poorland
    Sounds worth it. Live a little when you can Alice. Sitting in my garden wrapped up, but glorying in the start of summer..well not winter anyway
    Originally posted by brizzledfw
    I love sitting outside when it's cooler but you're all wrapped up.

    I know brizzle it's just so blinking tough.. I will get there....eventually.

    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 9th May 17, 9:28 PM
    • 2,155 Posts
    • 7,729 Thanks
    Alice in Poorland
    Upto 4 NSDs but need to get more petrol tomorrow.

    Need to update spending diary too. I am resisting the urge to go to the supermarket and get some 'bits'. We don't actually need anything, meal plan done for meals and lunches, but unless the cupboards and fridge are buldging with food I feel.....not sure how to explain it....I feel a bit panicky. Silly really.

    Anyway quite couple of days, kids had sports clubs, nothing else just plodding on.

    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 10th May 17, 9:25 AM
    • 4,439 Posts
    • 12,700 Thanks
    Verbatim
    It's a long. slog Alice. You're bound to feel it sometimes but your signature shows how your slow and steady approach has paid off. Once your ds1 has finished his education in the US I guess it will all speed up. (Unless dss 2&3 decide to follow suit)!
    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 10th May 17, 8:52 PM
    • 2,155 Posts
    • 7,729 Thanks
    Alice in Poorland
    It's a long. slog Alice. You're bound to feel it sometimes but your signature shows how your slow and steady approach has paid off. Once your ds1 has finished his education in the US I guess it will all speed up. (Unless dss 2&3 decide to follow suit)!
    Originally posted by Verbatim
    I know V, sometimes I get impatient..

    Haha I don't think they will.....but you never know....gulp!!

    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 10th May 17, 9:02 PM
    • 2,155 Posts
    • 7,729 Thanks
    Alice in Poorland
    Got petrol today. Resisted the urge to go to the supermarket but will have to tomorrow as the oldies need some bits.

    Came home from work did tea, OH cut the grass, I vac'd and tidied round. Feeling organised with the chores.

    Tomorrow will pay works lottery, transfer DS some money and pay some more off DSs holiday.

    Hoping for pegging out weather tomorrow. Will have 2 loads to peg out, seem to be out of sync with the kids school stuff and my work uniform.

    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 13th May 17, 8:02 AM
    • 2,155 Posts
    • 7,729 Thanks
    Alice in Poorland
    No footie today, now that the season has finished.......what will we do with ourselves.

    Didn't go shopping until yesterday. Went to @ldi, spent £65 plus some bits for the oldies. We've got family coming for dinner tomorrow.

    DS2 is eating like a horse this week, he's had double the amount of dinner money and snacks from home. Just can't fill him up.

    Need to get DS3 some school shorts. I could cut his trousers down but they still fit and the knees are still in good condition.

    I must update spending diary. The date we pay our council has changed to 18th of the month and I don't like it. I'm sure I could change it so it comes out at the beginning of the month.

    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!
    • Alice in Poorland
    • By Alice in Poorland 14th May 17, 9:49 AM
    • 2,155 Posts
    • 7,729 Thanks
    Alice in Poorland
    Great day for pegging out. Two loads on the line and another two to go out.

    Have done meter readings. We are -£42.66. In 2 weeks we have used £32 worth of gas and electricity.

    Yesterday was a little spend day. We had to get a few bits for a DIY project we decided to do, £12. Also got DS3 school shorts £9.

    We've got family coming for dinner so will prep everything this morning. Then give the cars a clean.

    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 14th May 17, 7:55 PM
    • 6,847 Posts
    • 32,921 Thanks
    brizzledfw
    Here's to a debt busting week for all of us Alice...xx
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    June '17 Savings Rate Goal: 25% [May 30%]
    Declutter 50 items before 30.06.17 139/50 ** LSDs Target 5 for June 05/05 **AFDs 12/20 ** Sales Target '17 £750 £110 so far
    **NSDs Target 5 for June 02/05
    • Alice in Poorland
    • By Alice in Poorland 16th May 17, 9:33 PM
    • 2,155 Posts
    • 7,729 Thanks
    Alice in Poorland
    Here's to a debt busting week for all of us Alice...xx
    Originally posted by brizzledfw
    Certainly hope so brizzle. 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 May 17, 9:52 PM
    • 2,155 Posts
    • 7,729 Thanks
    Alice in Poorland
    Sunday afternoon was lovely with the family.

    Yesterday was NSD4. Today had a little spend when we went to the pub at lunchtime. Keeping up appearances and all that.

    Mobile bill due tomorrow and council tax due on Thursday.

    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 17th May 17, 5:08 PM
    • 6,847 Posts
    • 32,921 Thanks
    brizzledfw
    Excellent - sounding good.

    Know what you mean re appearances. Gotta be done sometimes
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    June '17 Savings Rate Goal: 25% [May 30%]
    Declutter 50 items before 30.06.17 139/50 ** LSDs Target 5 for June 05/05 **AFDs 12/20 ** Sales Target '17 £750 £110 so far
    **NSDs Target 5 for June 02/05
    • Alice in Poorland
    • By Alice in Poorland 21st May 17, 10:09 AM
    • 2,155 Posts
    • 7,729 Thanks
    Alice in Poorland
    Why is it that the harder you try and save money, budget, keeping spending to a minimum.......the more you end up spending.. Maybe it's just me.

    Had quite a good week, upto 6 NSD. Friday night went shopping spent £81, that includes all toiletries and cleaning stuff.

    Yesterday morning had my haircut £25. Then we went to a local history museum with friends, total spends inc tea/coffee as we took a picnic was £45.

    Also had to get petrol £35. Today DS is going to get his haircut £10.

    How easy is it to spend nearly £200.

    This morning I've pegged out, going to work in the garden today, Sunday roast later.

    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 May 17, 10:27 AM
    • 4,439 Posts
    • 12,700 Thanks
    Verbatim
    All sounds very good to me! 6 nsds is amazing! And you've got to shop and get haircuts and and have a day out occasionally. Could have been a lot worse. I love a Sunday roast too.
    When is ds1 home for the summer? They break up earlier than us don't they?
    x
    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
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