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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.
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    • Alice in Poorland
    • By Alice in Poorland 11th Feb 18, 11:55 AM
    • 2,171 Posts
    • 7,759 Thanks
    Alice in Poorland
    Thank you debtaghh. It doesn't seem that long ago we had £80K left to pay. All going in the right direction.

    It's a great pegging out day out there folks. I've got 3 loads out on the line, towels, sheets and two big coats all drying nicely. Love it.

    I've done the meter readings, we are -£66.27. I knew we had had the heating on a lot more. Although our DL is family I don't want him to feel uncomfortable......our own kids love it. Lol. (Don't have it on excessively but just a bit extra )

    Got the windows open, a lovely fresh breeze coming through. Homework done (phew!), half way through the housework.

    Yesterday we spent £81 on food and pet stuff. We've been buying the cat litter in bulk. I think it's been helping to save some money. Also purchased some photo frames and a picture. Spent £13. Spent £2 at sports club.

    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 14th Feb 18, 7:46 AM
    • 2,171 Posts
    • 7,759 Thanks
    Alice in Poorland
    Does anyone else have trouble logging in to this site.......or is it just me. I keep get a message to say my password has expired...hmmmm.

    Upto 4 NSDs.

    We have £10 in our EF, and £43 left in the bank.......how scary is that? The first 2 weeks of the month are always terrible for us financially but hopefully now I'm back on track we can get the EF to look healthier and stay on track.

    Happy Valentines Day everyone.

    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 15th Feb 18, 11:23 AM
    • 2,171 Posts
    • 7,759 Thanks
    Alice in Poorland
    OH's payday today.. Have transferred £50 into the EF.

    Need to do a little top up shop tonight. We've paid our works lottery today, So will stay on 4 NSDs.

    We're trying to educate DS2 about managing his money. Now I know we haven't been the best in dealing with our finances, but we are trying now. He has a Sunday job and is able to pick up extra hours in the school holidays etc. He got quite a bit of cash Christmas and his birthday but he just doesn't seem to be able to manage it properly. If he goes out with his friends he's like Rockafeller dishing out the cash, paying for everything, buying clothes that he doesn't need. I know he likes to look smart and on trend but how can I explain that he has enough black jeans, enough polo tops?? He just seems to squander it. He has a current account and a savings account, but he can easily transfer from one to the other on his mobile. He never opens his bank statements. He's doesn't have an overdraft on his account so he can't fall down that slippery slope. I've printed the Martin Lewis student money info, but that doesn't seem to have had an impact. I just worry that when he goes to uni or earns more money he won't be able to budget.

    Half term next week, will need to pay £40-£50 on childcare for DS3.

    Hope youve all got some sunshine.

    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 19th Feb 18, 7:46 AM
    • 2,171 Posts
    • 7,759 Thanks
    Alice in Poorland
    Half term this week so no dreaded lunch boxes for the kids.

    We've had a really spendy weekend. We took out £50 cash on Friday, and another £70 cash on Saturday. We went out on Friday night, had fast food on the way back from footie on Saturday, and the whole family went for a meal yesterday (family birthday celebrations).

    I called into supermarket yesterday, spent £30, and had to get more petrol £30. Also purchased two birthday presents £9 and £10 each.

    So there it is, all laid bare. Spend spend spend.

    OH needs money to play squash tonight, and I'll have to pay for childcare later in the week.

    After all the spends and mobile direct debits have gone out of the account, we had £28 left. I've just transferred £40 from the EF back into the account. Not to spend but just incase my calculations are wrong.

    I'm off work today, and the weather is pants. Think we'll do a bit of sorting out in DS3s bedroom. Also I have quite a bit to load on fleabay.

    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!
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