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  • FIRST POST
    • millionaire in training
    • By millionaire in training 12th Oct 13, 11:27 PM
    • 5,588Posts
    • 18,912Thanks
    millionaire in training
    Here we go again. LBM number a million
    • #1
    • 12th Oct 13, 11:27 PM
    Here we go again. LBM number a million 12th Oct 13 at 11:27 PM
    So this is yet another diary. When am I going to learn?

    In fairness I am frugal in most things but I am also very skint.

    For those of you who are meeting me for the first time. I am a single Mum of 2 teenagers. DS is 15 and DD is 19. DD is an apprentice painter and decorator and DS is a computer geek. They are my life and 'most' of the time I adore them. I work full time but am trying to get a change of job just now as I am fed up and want a bit more money. I have an interview on Wednesday so we will see what happens with that.

    I was doing fab with debt reduction and then very sadly my Mum died and I lost my way a bit. Recently I went on holiday, got new central heating and new flooring throughout my house and have managed to increase my debt by about £8k this year. I am sick about it but am not going to dwell on it. I prefer to just get on with it and sort myself out.

    I will bore you to death with my ramblings along the way but this time I am yet again determined to succeed. I loathe paying interest so I will complain a lot about that . So hang on to my coat tails as I am ready to fly

    Old diary is here- http://forums.moneysavingexpert.com/showthread.php?t=3953941
    Total CC debt £20,971.10. [COLOR=red][B][COLOR=darkorchid]£20,301.62 Goal date 1ST June 2018
Page 115
    • dawnybabes
    • By dawnybabes 15th Oct 16, 10:28 AM
    • 1,550 Posts
    • 3,691 Thanks
    dawnybabes
    Hope everything is ok and the new kitchen is looking fab !!
    Sealed pot challenge 822

    Jan - £176.66
    • Verbatim
    • By Verbatim 6th Nov 16, 9:39 AM
    • 4,455 Posts
    • 12,782 Thanks
    Verbatim
    How are you MIT? I hope you're pleased with your new kitchen?
    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
    • kittycatfan
    • By kittycatfan 9th Nov 16, 9:17 AM
    • 208 Posts
    • 596 Thanks
    kittycatfan
    Hi mit your doing so great well done , don't forget the pics of new kitchen would love to see it after all your hard work
    • vonph1
    • By vonph1 10th Nov 16, 12:24 PM
    • 174 Posts
    • 265 Thanks
    vonph1
    You've not been posting, is everything ok?
    • millionaire in training
    • By millionaire in training 30th Nov 16, 8:19 PM
    • 5,588 Posts
    • 18,912 Thanks
    millionaire in training
    Sorry folks but between 3 jobs and builders I have not had a minute. I've also been diagnosed with sleep apnoea so last couple months have been a challenge to say the least.

    My kitchen is so so so so amazing I bloody love it. Just got completed yesterday. Bathroom is looking fabulous as well. I did however end up spending about £13k so I am scared to look at my new debt totals. I do however KNOW for a fact that I can pay it off so I am not worried in the slightest. I can't get the snowball on whats the cost to work so might need to see if I can find another spreadsheet.

    Will be getting a CPAP machine ASAP to help me sleep but I cannot tell you how exhausted I am. I've been tired for a couple of years but have put it down to being busy/menopausal/overweight or all of the above. Whilst on holiday with my friends in the summer though my friends were really concerned about me as I was so loud when I was sleeping and also frequently stopped breathing. Consultant has said that I will feel a massive improvement. I was beginning to think I was just lazy, so am relieved to get a diagnosis and hopefully get myself fixed. I'll be like superwoman.

    So just a short visit as I am heading off to bed soon as I am knackered lol. Hope everyone is well xx
    Total CC debt £20,971.10. [COLOR=red][B][COLOR=darkorchid]£20,301.62 Goal date 1ST June 2018
    • millionaire in training
    • By millionaire in training 28th Dec 16, 8:32 PM
    • 5,588 Posts
    • 18,912 Thanks
    millionaire in training
    Evening all. I hope everyone had a fantastic Christmas. I have decided 2017 is going to be a phenomenal year for me. I am going to work my socks off and grind this debt down again. I got my 10 year badge today which was a bit of a wake up call. I've been moneysaving and trying to get rid of my debt for 10 years seriously

    I still can't get the snowball in whats the cost to work. I e-mailed them but no reply and not fixed. I registered under a different email address and still no success so I have given up. I know what order I want to pay off my debts anyway and I am starting with my overdraft as that is costing me £1 per day I am overdrawn. Been here before but will start again. I will then pay off cards by smallest balance first. That would take me down to 3 cc's only although the balances are high. I will do this.

    £50 paid today so that's a start
    Total CC debt £20,971.10. [COLOR=red][B][COLOR=darkorchid]£20,301.62 Goal date 1ST June 2018
    • Verbatim
    • By Verbatim 29th Dec 16, 12:01 AM
    • 4,455 Posts
    • 12,782 Thanks
    Verbatim
    Great to see you back again MIT. Is that the last of the house improvements now that you need to get done?
    Although it's ten years it's been specific stuff you've needed each time which has delayed your debt busting/increased your debt when you've been well on the way to paying it off. As I've said before when I first read your diary I couldn't understand why you still were in debt as you'd been well on your way to paying it all off. But when I caught up to date you'd bought some major item on credit so had increased the total. This happened a few times. All absolutely needed items but obviously why the debt busting slowed.
    But you have managed it all so well and brought up your two children solo so huge congratulations to you and I've no doubt you'll have it all paid off in short order.
    Vx
    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
    • amber03
    • By amber03 29th Dec 16, 1:49 PM
    • 770 Posts
    • 4,486 Thanks
    amber03
    Good to hear from you MIT, agree with paying off the smallest debts first as each time you pay one off it will give you a great feeling and be determined to carry on. I have just changed my hours in work and increased them slightly, all I want to do is save the extra money am determined to save as much as possible whilst enjoying the odd treat.x
    Debtfree and and staying that way.
    £1000 Emergency fund No.112 £326.00


    WOMBLER 2017 NO. 5 £7.20
    • millionaire in training
    • By millionaire in training 29th Dec 16, 2:28 PM
    • 5,588 Posts
    • 18,912 Thanks
    millionaire in training
    Hi folks. V thanks for lovely post. You're right the money I've spent has been mostly on essentials ( with a wee holiday now and again)

    Amber you go for it. I use everything I earn from extra jobs for debt and only ever use it for living in December

    My next project for the house is new internal doors. All needing replaced as they are over 40 years old and weren't that good to start off with . DS has pulled the handles off of most of them and I have screwed them back on so often that they can no longer be put back on. I am going to save up from my normal wages for the doors if I can and still use money from job no2 for debt. I will then see about a new suite as springs are away in mine and it is getting pretty nasty. Bedrooms are all okay. Garden can just get a tidy as doors are this years priority.

    Was in work this morning but am now off until 5th January . I have some laundry to get done and I need to do my accounts for HMRC but other than that I am going to spend some time on meal plans and getting food stuff sorted out for 2017.

    I'm feeling all motivated and determined again. When I see how nice my house can look it spurs me on massively. Doing a linen stocktake this afternoon along with some tidying and then I'll chill tonight. Have a good day all xx
    Total CC debt £20,971.10. [COLOR=red][B][COLOR=darkorchid]£20,301.62 Goal date 1ST June 2018
    • Sun Addict
    • By Sun Addict 29th Dec 16, 4:17 PM
    • 4,025 Posts
    • 21,011 Thanks
    Sun Addict
    Like you I'm going to have to borrow to pay for new kitchen, bathroom and heating. But it will add value to the house and has been put off for far too long. If the worse came to the worst we could sell up and get a smaller house and it would be more saleable. Most of our internal doors are the original 1930s ones with the Bakelite handles so they definitely need replacing as they are rather past their best.
    Virtual Sealed Pot £424.05
    Weight loss 0/7lbs
    Mr SA finally in remission December 2013
    • millionaire in training
    • By millionaire in training 29th Dec 16, 11:15 PM
    • 5,588 Posts
    • 18,912 Thanks
    millionaire in training
    SA I must admit that the pleasure I am getting from both new rooms is massive and worth every penny. Only thing is that the rest of the house looks shabby in comparison, Trying not to think about it too much

    My house is hardly big enough for us as it is so downsizing is not an option for me.

    Got paid for laundry and other cleaning job today so I now have almost £300 to start getting the debt down.

    DD is working on Hogmanay so she has gone out tonight for a big night out. I'll just take the bucket up and leave it beside her bed when I head upstairs

    Looking forward to 2017 as I reckon it will be another good one for us x
    Total CC debt £20,971.10. [COLOR=red][B][COLOR=darkorchid]£20,301.62 Goal date 1ST June 2018
    • in need of direction
    • By in need of direction 30th Dec 16, 11:17 AM
    • 4,420 Posts
    • 24,708 Thanks
    in need of direction
    I dipped into savings to repurpose the under used dining room into my equivalent of a man cave. I can't regret a penny I spent on it.
    Mortgage at 01.01.14 £119,481.83 today £81,750.18, target £75,000 by 31/12/17 Offset fund today £3,975.43 target £5,500 by 31/12/17
    Emergency fund £5.5k & £200 cash.
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • lucielle
    • By lucielle 30th Dec 16, 5:02 PM
    • 7,912 Posts
    • 33,856 Thanks
    lucielle
    When you tackle the overdraft are you going to reduce it each time so you can't build it back up?
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900, Dec 08 £39782.36 Overdrafts £3100, Dec 09 £29304.84 Overdrafts £2820, Dec 10 £16449 Overdrafts £2490
    Dec 11 £12673.80 Overdrafts £1250, Dec 12 £4591 Overdrafts £400 02/02/13 new debt figure £5831.00 New Debt Figure ZERO !!!!!! 08/06/2013

    DFD Before we Die!!!! Long Haul Supporter #124
    • Ali-OK
    • By Ali-OK 2nd Jan 17, 10:36 AM
    • 4,044 Posts
    • 16,552 Thanks
    Ali-OK
    Happy New Year MiT

    Just catching up after my disappearing act and great to see you've a new kitchen as I know how much you wanted to get that done.

    I'm back and will be getting on board again too.
    Back on the DFW Wagon:

    CC - £5,700 on 0% for 18 months
    Loan - £15,068 as at 2/1/17
    • Verbatim
    • By Verbatim 2nd Jan 17, 5:41 PM
    • 4,455 Posts
    • 12,782 Thanks
    Verbatim
    Like you I'm going to have to borrow to pay for new kitchen, bathroom and heating. But it will add value to the house and has been put off for far too long. If the worse came to the worst we could sell up and get a smaller house and it would be more saleable. Most of our internal doors are the original 1930s ones with the Bakelite handles so they definitely need replacing as they are rather past their best.
    Originally posted by Sun Addict
    If you have the original doors and handles replacing them might reduce the value of the house. If you really want new ones you might find willing buyers locally who want "original features" to put back.
    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
    • Sun Addict
    • By Sun Addict 2nd Jan 17, 7:11 PM
    • 4,025 Posts
    • 21,011 Thanks
    Sun Addict
    The upstairs are original doors, downstairs new. To be honest the doors have about had it with big chunks missing and loads of layers of paint, they look awful. I don't know if they could be restored, maybe someone would want them, if only the handles.
    Virtual Sealed Pot £424.05
    Weight loss 0/7lbs
    Mr SA finally in remission December 2013
    • in need of direction
    • By in need of direction 2nd Jan 17, 11:39 PM
    • 4,420 Posts
    • 24,708 Thanks
    in need of direction
    I got my original doors dipped. An amazing result.
    Mortgage at 01.01.14 £119,481.83 today £81,750.18, target £75,000 by 31/12/17 Offset fund today £3,975.43 target £5,500 by 31/12/17
    Emergency fund £5.5k & £200 cash.
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • Eager_Elephant
    • By Eager_Elephant 3rd Jan 17, 8:37 AM
    • 3,954 Posts
    • 20,947 Thanks
    Eager_Elephant
    My house is not that old - 1933 but when we moved in it still had the original doors (except bathroom/toilet which had been brought inside) but they were an awful mustard colour. Underneath that was a green and a variety of other colours.


    We had our doors dipped - I think it might have been £30 each - and they are fab. We still have the original handles on all doors except the lounge but are looking to buy some originals so it all matches.


    If the doors are in ok condition I would get them dipped.
    Mine have had wear and tear but just look fab and fit in with the age of the house.
    Ninja Saving Turtle No. 4 for July
    NSD - 2/16
    (up to 5/7/17)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • millionaire in training
    • By millionaire in training 3rd Jan 17, 9:22 PM
    • 5,588 Posts
    • 18,912 Thanks
    millionaire in training
    Doors are in horrific condition. DS has pulled most of the handles off over the years. I have then tried to screw them back on so there are multiple holes and no handles. They weren't special doors in the first place to be honest.

    Lucielle I am thinking of reducing overdraft down to about £200 so I never get this bad again. Not wanting to take it down to zero just in case of mistakes.

    Ali hi hope you are okay. I'll have a wee catchup on your thread tonight.

    Restarted SW tonight. Not been for weeks and gained a stone but at least I haven't put everything back on

    I was having a wee facebook rant earlier about the amount of food that has been wasted in here recently so I went and stocked up on all things SW and all things teenager and I am going to be super careful from now on in. I really need to get my life back on track and I'm actually quite excited about it .

    I'm having friends up to the cottages I deal with at the weekend. Won't cost me much as we are having chinese delivered and I already have a ton of booze and snacks so I am determined that I am spending under £10.

    My dryer is making funny noises so I am going to call in morning and have an engineer come out to that. Need to hide all the laundry when they come or they will refuse to fix it.

    Historically the first few months of the year are quite quiet as far as cleaning and laundry is concerned but looks like this year is going to be busier. Not complaining but just wondering why everyone i having breaks at home rather than abroad. Maybe its just me as I would head to the sun.

    So Happy New Year everyone and I hope 2017 is awesome for us all xx
    Total CC debt £20,971.10. [COLOR=red][B][COLOR=darkorchid]£20,301.62 Goal date 1ST June 2018
    • Verbatim
    • By Verbatim 4th Jan 17, 8:04 AM
    • 4,455 Posts
    • 12,782 Thanks
    Verbatim
    I hear this is going to be a trend due to sterling having dropped 15% since the Brexit referendum.
    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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