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  • FIRST POST
    • Alice in Poorland
    • By Alice in Poorland 6th Nov 11, 8:50 PM
    • 2,171Posts
    • 7,759Thanks
    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 158
    • mummytogirls
    • By mummytogirls 25th Jan 18, 8:44 PM
    • 5,947 Posts
    • 21,300 Thanks
    mummytogirls
    Lovely to hear from you Alice. Cant believe you've had a teenager staying with you. All I can think is attitude and eating alllll the food!!

    Glad DS is enjoying himself.

    Ive started the 365 saving challenge too... I hope I can stick to it xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6069.37 - 02/01/18 - 73.80% paid off
    • brizzledfw
    • By brizzledfw 27th Jan 18, 10:32 PM
    • 7,210 Posts
    • 35,187 Thanks
    brizzledfw
    Well done on taking them in.. not easy I am sure.

    So so glad DS1 is in good form
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 60 items before 28.02.18 xx/60 ** LSDs Target 10 for Feb 02/10 **AFDs 14/15 ** Sales/TCB Target 2018 £11/£500 NSDs Target 10 for Winter 02/10 Trying to be a Frugalista
    • Eager_Elephant
    • By Eager_Elephant 28th Jan 18, 7:51 AM
    • 4,205 Posts
    • 23,813 Thanks
    Eager_Elephant


    Welcome back Alice - I have missed you and your discussions of pegging out.

    I nearly posted on here over Xmas/New Year as I pegged out as it was such a lovely day.

    So in honour of you returning to the fold I pegged out yesterday , just a load of towels and a duvet cover and they were practically dry by the time I got them in at 2, just needed a quick air and were then put away.
    Ninja Saving Turtle No. 24 for January
    NSD - 16/18
    (up to 27/01/18)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • jubilee14
    • By jubilee14 29th Jan 18, 9:38 AM
    • 267 Posts
    • 844 Thanks
    jubilee14
    Hi Alice good to see you back enjoy your diary.

    Re game console, we have the same problem our DS2 got a game console too with the benefit of PPI lol, however he has spent more and more time on it and what is usually a very energetic out doors boy has been getting more and more attitude. So we are cutting down his use was feeling a bit bad to say he can use between 6-8 at night but if he has a club on at these times that is just the way it is. So now i think hopefully he will only manage about max 1 hour a night. Caught him the other evening up till 11.30 still talking to friends.... Theyre not even in high school yet!

    Now on operation stalker mum.
    LBM Sept 2012
    started DMP 1.11.12
    Debt £37012/£7383 DFD Oct 2019 about April 2019
    • Purplemumof2
    • By Purplemumof2 29th Jan 18, 10:20 AM
    • 5,805 Posts
    • 21,555 Thanks
    Purplemumof2
    Welcome back x
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £6750.00 Cap 1: £456.79 BC: £8800.00
    AFD 3/14 NSD 3/14 LTW 6/14
    POAMAYC 2018 #041 PD £1194.42/£4000
    Savings for Christmas £60.84/£365
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • Alice in Poorland
    • By Alice in Poorland 31st Jan 18, 10:04 AM
    • 2,171 Posts
    • 7,759 Thanks
    Alice in Poorland
    Well done on taking them in.. not easy I am sure.

    So so glad DS1 is in good form
    Originally posted by brizzledfw
    Thanks brizzle, I won't lie, its been tough. But we're getting there.
    xx


    Lovely to hear from you Alice. Cant believe you've had a teenager staying with you. All I can think is attitude and eating alllll the food!!

    Glad DS is enjoying himself.

    Ive started the 365 saving challenge too... I hope I can stick to it xx
    Originally posted by mummytogirls
    Haha yeah the fridge door is constantly open.

    xx


    Welcome back Alice - I have missed you and your discussions of pegging out.

    I nearly posted on here over Xmas/New Year as I pegged out as it was such a lovely day.

    So in honour of you returning to the fold I pegged out yesterday , just a load of towels and a duvet cover and they were practically dry by the time I got them in at 2, just needed a quick air and were then put away.
    Originally posted by Eager_Elephant
    Hi EE, love it, you just can't beat a bit of pegging out. I pegged out yesterday.

    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'18 £12,938ish! Self managed from Jan'17
    Jan 18- Bcard 1 £1126,Bcard 2 £4775,Bcard loan £230, C@ptl £2565 ,Ybank £3595,Virgin/MBNA £326 YB1 £0, S@ntader £321
    DFD - Jan 2027 Nov 2018 Jan 2019 - DFD not sure at the minute!
    • Alice in Poorland
    • By Alice in Poorland 31st Jan 18, 10:08 AM
    • 2,171 Posts
    • 7,759 Thanks
    Alice in Poorland
    Welcome back x
    Originally posted by Purplemumof2
    Thank you PMof2.

    xx

    Hi Alice good to see you back enjoy your diary.

    Re game console, we have the same problem our DS2 got a game console too with the benefit of PPI lol, however he has spent more and more time on it and what is usually a very energetic out doors boy has been getting more and more attitude. So we are cutting down his use was feeling a bit bad to say he can use between 6-8 at night but if he has a club on at these times that is just the way it is. So now i think hopefully he will only manage about max 1 hour a night. Caught him the other evening up till 11.30 still talking to friends.... Theyre not even in high school yet!

    Now on operation stalker mum.
    Originally posted by jubilee14
    Hi jubilee, I know it's really tough getting the balance right. It is for their own good in the long run, we're doing the right thing.

    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'18 £12,938ish! Self managed from Jan'17
    Jan 18- Bcard 1 £1126,Bcard 2 £4775,Bcard loan £230, C@ptl £2565 ,Ybank £3595,Virgin/MBNA £326 YB1 £0, S@ntader £321
    DFD - Jan 2027 Nov 2018 Jan 2019 - DFD not sure at the minute!
    • Alice in Poorland
    • By Alice in Poorland 31st Jan 18, 10:21 AM
    • 2,171 Posts
    • 7,759 Thanks
    Alice in Poorland
    Well checked the 365 challenge pot today and it's short. Hmmm not sure why, OH is in charge of it so who knows. Will put it right tonight.

    I had the heated airer on last night, all the washing is dry, just got a huge ironing pile now.

    Looking forward to starting afresh tomorrow. I'm going to keep a track of NSDs, back to meter readings every fortnight and keeping my spending diary up to date. Also I must update my signature!

    We haven't had any financial help with our little (well not so little!) lodger. It certainly hasn't been about the money, it's about giving them a chance in life because the parents just couldn't get their act (I wanted to put a swear word in here but I refrained) together. I'm going to call him DL (darling lodger).

    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'18 £12,938ish! Self managed from Jan'17
    Jan 18- Bcard 1 £1126,Bcard 2 £4775,Bcard loan £230, C@ptl £2565 ,Ybank £3595,Virgin/MBNA £326 YB1 £0, S@ntader £321
    DFD - Jan 2027 Nov 2018 Jan 2019 - DFD not sure at the minute!
    • brizzledfw
    • By brizzledfw 2nd Feb 18, 9:34 PM
    • 7,210 Posts
    • 35,187 Thanks
    brizzledfw
    Love the DL.... Well done. Its an amazing thing to help in that way. Proper love. You're offering stability and a real helping hand. Am sure it'll come back to you with interest.. (and do ask him to help with practical stuff even if he has (genuinely) no money to offer)

    We couldn't survive without out L9keland heated airer...thanks so much for recommending it. Often think of you!!

    Going back to our energy supplier for a reassessment as by their account (which I think is wrong but anyhow) we are £200 in credit!! Can't be right but anyway have asked them to offer us a new (much lower!!) monthly DD. Not using the woodburner much..wood is running low and I don't want to buy a new shed load (we buy in bulk) as we should be through the worst of the winter...but if the gas bill shoots up I may regret that. In fact writing this has made me think I should check exactly how much wood we have left in the shed..and then reassess..it is only 2 Feb after all ..
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 60 items before 28.02.18 xx/60 ** LSDs Target 10 for Feb 02/10 **AFDs 14/15 ** Sales/TCB Target 2018 £11/£500 NSDs Target 10 for Winter 02/10 Trying to be a Frugalista
    • Alice in Poorland
    • By Alice in Poorland 4th Feb 18, 11:21 AM
    • 2,171 Posts
    • 7,759 Thanks
    Alice in Poorland
    Morning everyone, we're having a bit of a lazy morning today as all the sports clubs are cancelled. Have pegged two loads out including some coats. Got another load in the machine too.

    I've got a list of where we are at with the debts, here goes.......

    First figure is Jan 17, second figure is Jan 18
    Bcard 1126/1126 still not paying anything off this. The debt is with PRA but we haven't received anything from them since we left stepchange.
    Bcard 4835/4775 this has been transferred to PRA.
    Loan 800/230
    C@pital 2630/2565
    Ybank 3651/3595
    MBNA 799/326
    S@antader 811/321
    Ybank 203/0

    Doesn't make pleasant reading. Eight debts, three under £500, c'mon Alice you can bust these.

    Today should/will be a NSD, first one of February. Yesterday and Friday we put petrol in both cars. Food shop done in sburys and @ldi, total spent £67. I had my hair cut and blow dried yesterday, OH and DS3 went to the barbers. Total spent £26/£18.

    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'18 £12,938ish! Self managed from Jan'17
    Jan 18- Bcard 1 £1126,Bcard 2 £4775,Bcard loan £230, C@ptl £2565 ,Ybank £3595,Virgin/MBNA £326 YB1 £0, S@ntader £321
    DFD - Jan 2027 Nov 2018 Jan 2019 - DFD not sure at the minute!
    • Alice in Poorland
    • By Alice in Poorland 4th Feb 18, 11:34 AM
    • 2,171 Posts
    • 7,759 Thanks
    Alice in Poorland
    Love the DL.... Well done. Its an amazing thing to help in that way. Proper love. You're offering stability and a real helping hand. Am sure it'll come back to you with interest.. (and do ask him to help with practical stuff even if he has (genuinely) no money to offer)

    We couldn't survive without out L9keland heated airer...thanks so much for recommending it. Often think of you!!

    Going back to our energy supplier for a reassessment as by their account (which I think is wrong but anyhow) we are £200 in credit!! Can't be right but anyway have asked them to offer us a new (much lower!!) monthly DD. Not using the woodburner much..wood is running low and I don't want to buy a new shed load (we buy in bulk) as we should be through the worst of the winter...but if the gas bill shoots up I may regret that. In fact writing this has made me think I should check exactly how much wood we have left in the shed..and then reassess..it is only 2 Feb after all ..
    Originally posted by brizzledfw
    Thanks brizzle. I love the heated airer too. It does take some getting used to though don't you think. Layering clothes on an airer is a bit alien.

    DL is pulling his weight to be fair. We've never had a problem with him in the past when he's stayed here. We're treating him as we do our kids, firm but fair. . I would never stand on a soap box and preach how to bring kids up, but what I've learnt that teenagers are getting up to and their parents don't have any idea about their little angels has kept me awake a night. It's frightening. Fingers crossed our DL will come good in the end.

    Good luck with the energy supplier. It's meant to turn cold again 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'18 £12,938ish! Self managed from Jan'17
    Jan 18- Bcard 1 £1126,Bcard 2 £4775,Bcard loan £230, C@ptl £2565 ,Ybank £3595,Virgin/MBNA £326 YB1 £0, S@ntader £321
    DFD - Jan 2027 Nov 2018 Jan 2019 - DFD not sure at the minute!
    • brizzledfw
    • By brizzledfw 4th Feb 18, 7:18 PM
    • 7,210 Posts
    • 35,187 Thanks
    brizzledfw
    Hi Alice...yes I know what you mean about teenagers. I am pretty lucky with mine but I know there is a whole online world out there as well as a RL one that is usually completely alien to parents and carers..

    Cmon yes you can do it....baby steps. How about some F&F offers?

    Have a good week xx
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 60 items before 28.02.18 xx/60 ** LSDs Target 10 for Feb 02/10 **AFDs 14/15 ** Sales/TCB Target 2018 £11/£500 NSDs Target 10 for Winter 02/10 Trying to be a Frugalista
    • brizzledfw
    • By brizzledfw 4th Feb 18, 7:19 PM
    • 7,210 Posts
    • 35,187 Thanks
    brizzledfw
    PS. Know this has been said this before...but great to have you back posting you were missed!
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 60 items before 28.02.18 xx/60 ** LSDs Target 10 for Feb 02/10 **AFDs 14/15 ** Sales/TCB Target 2018 £11/£500 NSDs Target 10 for Winter 02/10 Trying to be a Frugalista
    • Alice in Poorland
    • By Alice in Poorland 6th Feb 18, 2:28 PM
    • 2,171 Posts
    • 7,759 Thanks
    Alice in Poorland
    PS. Know this has been said this before...but great to have you back posting you were missed!
    Originally posted by brizzledfw
    Awww thank you.....feeling bashful.

    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'18 £12,938ish! Self managed from Jan'17
    Jan 18- Bcard 1 £1126,Bcard 2 £4775,Bcard loan £230, C@ptl £2565 ,Ybank £3595,Virgin/MBNA £326 YB1 £0, S@ntader £321
    DFD - Jan 2027 Nov 2018 Jan 2019 - DFD not sure at the minute!
    • Alice in Poorland
    • By Alice in Poorland 6th Feb 18, 2:43 PM
    • 2,171 Posts
    • 7,759 Thanks
    Alice in Poorland
    Today will be a NSD, number 2.

    Last night had to call into @ldi to do a shop for snacks and lunch stuff. Spent £15. Also I paid for Januarys childcare.

    brizzle - F&F offers, hmmm I'm still thinking that if we've had the money, then we should pay it all back, every penny. If I do F&F then will I always think that I owe money.

    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'18 £12,938ish! Self managed from Jan'17
    Jan 18- Bcard 1 £1126,Bcard 2 £4775,Bcard loan £230, C@ptl £2565 ,Ybank £3595,Virgin/MBNA £326 YB1 £0, S@ntader £321
    DFD - Jan 2027 Nov 2018 Jan 2019 - DFD not sure at the minute!
    • brizzledfw
    • By brizzledfw 7th Feb 18, 8:23 PM
    • 7,210 Posts
    • 35,187 Thanks
    brizzledfw
    Complete Carp my darling. Do the F&F offers...you're already paying your dues. If you get a result and they bite, then save up the amount you have saved and spend it on those amazing DC of yours or even put it aside for a holiday.

    You know Brizzle knows best (or else EE will put me right as the expert on this kinda thing ))
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 60 items before 28.02.18 xx/60 ** LSDs Target 10 for Feb 02/10 **AFDs 14/15 ** Sales/TCB Target 2018 £11/£500 NSDs Target 10 for Winter 02/10 Trying to be a Frugalista
    • Eager_Elephant
    • By Eager_Elephant 8th Feb 18, 7:38 AM
    • 4,205 Posts
    • 23,813 Thanks
    Eager_Elephant
    Complete Carp my darling. Do the F&F offers...you're already paying your dues. If you get a result and they bite, then save up the amount you have saved and spend it on those amazing DC of yours or even put it aside for a holiday.

    You know Brizzle knows best (or else EE will put me right as the expert on this kinda thing ))
    Originally posted by brizzledfw
    I think you mean me

    I agree with you brizzle, I expect Alice has paid thousands in interest over the years and if she was to go back to the start of her credit card she would see that she has paid off everything she has ever brought and actually its all interest now.
    It would be like having a 0% credit card.

    I definitely think full and finals are the way to go, you have been slogging at these debts for years so if you can it would be nice to get them finished and then you can enjoy a debt free life.
    Ninja Saving Turtle No. 24 for January
    NSD - 16/18
    (up to 27/01/18)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • Alice in Poorland
    • By Alice in Poorland 9th Feb 18, 11:52 AM
    • 2,171 Posts
    • 7,759 Thanks
    Alice in Poorland
    Thanks brizzle and EE. I just find it so difficult, I know you've both right, it make sense.

    On the money front OH had an update from C@pital . The figure we had was just £5 out. Balance is £2565, we are paying off £5 per month at the moment.

    We are up to 4 NSDs. But today will need to get petrol in both, top up shop and I'm out at lunchtime today (max spend £8).

    I also need to start paying towards school trip, and build up emergency fund. The £10 that's in the EF at the moment won't go very 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'18 £12,938ish! Self managed from Jan'17
    Jan 18- Bcard 1 £1126,Bcard 2 £4775,Bcard loan £230, C@ptl £2565 ,Ybank £3595,Virgin/MBNA £326 YB1 £0, S@ntader £321
    DFD - Jan 2027 Nov 2018 Jan 2019 - DFD not sure at the minute!
    • Alice in Poorland
    • By Alice in Poorland 9th Feb 18, 11:52 PM
    • 2,171 Posts
    • 7,759 Thanks
    Alice in Poorland
    We've had our annual mortgage statement today, £42,530.00 left to pay, 7 years left to do it.

    As I'd eaten out at lunchtime today and wasn't that hungry, everyone else had chippy tea tonight. We didn't have any takeaways or fast food in the whole of January so going to try and keep them to a minimum, almost like a treat. Or unless I'm just that shattered and can't be bothered to cook.

    Tomorrow, weather permitting DSs footie match is miles away. DL has been going to rugby training on a Sunday but that's cancelled this week, so saves a few pounds.

    Got petrol today in both cars, spent £55.

    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'18 £12,938ish! Self managed from Jan'17
    Jan 18- Bcard 1 £1126,Bcard 2 £4775,Bcard loan £230, C@ptl £2565 ,Ybank £3595,Virgin/MBNA £326 YB1 £0, S@ntader £321
    DFD - Jan 2027 Nov 2018 Jan 2019 - DFD not sure at the minute!
    • debtaghh
    • By debtaghh 10th Feb 18, 7:10 AM
    • 1,112 Posts
    • 3,342 Thanks
    debtaghh
    That is great news about your mortgage!
    Debt 16th October 2017: Cc £49,987- family £37,561: total debt £87549

    Current debt: Cc £46,325 , Family £ 36,922 total debt £83,317

    Frugal living challenge # 10- £8000 presents/ food/ entertainment/clothes/shoes/haircuts
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