Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • ani*fan
    • By ani*fan 21st Feb 14, 6:56 PM
    • 1,248Posts
    • 2,902Thanks
    ani*fan
    Tales from the city
    • #1
    • 21st Feb 14, 6:56 PM
    Tales from the city 21st Feb 14 at 6:56 PM
    Hi there

    How is everyone? All good I hope. I had a diary on here for a few years called Tales from a Country Cottage. I won't bother with a link, it really wasn't exciting, but I do remember the wonderful support you lovely people offered me, and the joys of matched betting, mystery shopping, online free bingo (that was a good one) and various other strategies for making cash. All good stuff.

    I have since moved to the city, hence the new diary and its new name. This feels very much like a fresh start and my goodness, I need one.

    I was previously determined to clear my debt and at times actually managed to make it go down. Then life happened, threatened redundancy, separation from ex- OH, a house move, and then another one, then an application to do a PhD and various other expensive things that meant I took my eye off the ball.

    And boy, did I...

    My debt is now eye- watering and bigger than it has ever been in my life. I'm scared that I won't make ends meet every month and I have managed to max out 2 credit card in the last 6 months. I am constantly worried that something will go wrong with my car and not only do I have no money to get it fixed, I have no credit either.

    Things are desperate, more so than they have been in years. I have moved to one of the most expensive places in Britain (not my choice, it was where I was offered a training post, £15 for fish and chips...really??) and am currently in a panic that I may need to give up my PhD and move back home. My debt repayments every month are massive and sometimes I can't cope with checking my accounts online.

    So I was sat here feeling helpless and depressed and wondering what on earth I was going to do. Then I remembered this place. And suddenly I'm all inspired again.

    Maybe, just maybe, there's a chance I can sort this out.

    I know what needs to be done. I have to sort out my spending, I have to cut back on everything, I have to find ways to make extra cash, I have to seek out freebies, I have to find ways to live cheaply and most importantly I need to PAY OFF THE DEBT.

    I can do it. And you are all my inspiration.

    Thank you so much for reading and if you want to drop by and share your thoughts, feel free.

    Time to get started!

    a*f








    Total debt at its highest £18,780/Total today £9,295.49
Page 32
    • ani*fan
    • By ani*fan 26th Sep 16, 10:56 AM
    • 1,248 Posts
    • 2,902 Thanks
    ani*fan
    Thanks for your honest replies everyone. We seem to have calmed down now and had another think about our priorities. We really do want to have our wedding next year and get the debt reduced so house buying will have to wait. It's no great hardship really, we love our flat, just need to keep on doing what we are doing for longer. Thanks for being so sensible everyone.

    Magpie100, your story was really interesting, I'm exactly the kind of person who gets paralysed by too much choice, probably buying the first house we look at would work for me. That means I shouldn't look at any more until we have the deposit ready. But at least we have a clear idea of what we're after once the time comes.

    I've just declared a huge success on my thread for trying to get the shopping budget down. I saved over £100 this month. Even if this has been an unusually cheap month, I'm still saving loads. I'm going to put £200 in the food budget from now on and also try to build up a store for when we are poorly/can't be bothered going to the shops. I'm well pleased with that.
    Total debt at its highest £18,780/Total today £9,295.49
    • ani*fan
    • By ani*fan 28th Sep 16, 5:50 AM
    • 1,248 Posts
    • 2,902 Thanks
    ani*fan
    I heard back about my complaint. They gave me £100 to cover the confusion about the balance transfer fee and as a gesture of goodwill. It's already been credited to my card account. I'm very pleased!!
    Total debt at its highest £18,780/Total today £9,295.49
    • misstara
    • By misstara 28th Sep 16, 7:55 AM
    • 1,897 Posts
    • 12,541 Thanks
    misstara
    I heard back about my complaint. They gave me £100 to cover the confusion about the balance transfer fee and as a gesture of goodwill. It's already been credited to my card account. I'm very pleased!!
    Originally posted by ani*fan
    Fantastic
    Debt at LBM Jan 2014 £10458.09 Now £487.50 (95.3% paid)
    New flat debt Nov 2016 £1252.44
    Mini Targets
    Exercise target - 2/12. Groceries target £4.05/£135. NSD target 2/15.
    • ani*fan
    • By ani*fan 29th Sep 16, 3:58 AM
    • 1,248 Posts
    • 2,902 Thanks
    ani*fan
    Fantastic
    Originally posted by misstara
    Isn't it? When does that ever happen? I think I now believe in miracles.
    Total debt at its highest £18,780/Total today £9,295.49
    • crazy_cat_lady
    • By crazy_cat_lady 29th Sep 16, 8:42 PM
    • 3,003 Posts
    • 20,441 Thanks
    crazy_cat_lady
    Brilliant! Worth doing then for definite...
    NST Dec #15 NSD 2/16 DFD 6 Nov 15 - paid £28,447 Wombling '16 #28 (£634.37)
    • ani*fan
    • By ani*fan 12th Oct 16, 5:19 AM
    • 1,248 Posts
    • 2,902 Thanks
    ani*fan
    A couple of weeks have passed and I've not updated on here. There's nothing much to report except that minimum payments are being made as planned and I seem to be spending a fortune at the dentist getting old fillings fixed.

    Me and OH will be away for a couple of days this weekend, all expenses paid gift by future sister in law, so I'm looking forward to that.

    I'll away and figure out the debt total and update my signature.
    Total debt at its highest £18,780/Total today £9,295.49
    • hiddenshadow
    • By hiddenshadow 12th Oct 16, 9:15 AM
    • 1,768 Posts
    • 8,007 Thanks
    hiddenshadow
    Have a nice weekend away!
    MFW: Dec '13 £197,100 / Dec '14 £180,691 / Dec '15 £161,669 / Dec '16 £119,900 (£6,628 offset)
    Payment 35/84 / 2016 MFW #56: £41,769/£43,000 97% / MFiT-T4 #15: £39,600/£90,000 44%
    • Igamogam
    • By Igamogam 13th Oct 16, 8:28 AM
    • 5,357 Posts
    • 41,157 Thanks
    Igamogam
    Enjoy the weekend Whoop whoop for future SILs
    Be the change you want to see -with apologies to Gandhi
    In gardens, beauty is a by-product. The main business is sex and death. ~Sam Llewelyn
    'On the internet no one knows you are a cat'
    • ani*fan
    • By ani*fan 13th Oct 16, 8:38 AM
    • 1,248 Posts
    • 2,902 Thanks
    ani*fan
    Thanks guys. I will totally enjoy it. Especially because it's free.
    Total debt at its highest £18,780/Total today £9,295.49
    • ani*fan
    • By ani*fan 14th Oct 16, 7:59 AM
    • 1,248 Posts
    • 2,902 Thanks
    ani*fan
    I need to phone up HSBC because I've been locked out of my online banking by putting the incorrect info in too many times. When things like this happen, I long for the day when I don't have so many accounts to check. It can't come soon enough.

    The debt busting has become so slow lately that I fear it might just stop. It can't, I need to keep going, but maintaining momentum is hard right now.

    I have just had a massive mobile phone bill for no reason I can figure out so need to phone them up too.

    I am waiting for a tax rebate I might be due. I'm still trying to sell my expensive thing. I have much better control of the food budget than I ever had before. Things are moving in the right direction in that the debt is going down but none of it is happening fast enough.

    Impatient as anything.
    Total debt at its highest £18,780/Total today £9,295.49
    • in need of direction
    • By in need of direction 14th Oct 16, 8:07 AM
    • 4,063 Posts
    • 22,743 Thanks
    in need of direction
    Stay strong. You are so close to halfway. After that, it builds momentum.
    Mortgage at 01.01.14 £119,481.83 today £86,391.14 yr1 target met 11.57% cleared
    Current target pay £26,805.30 by 31.12.2016. more than £14660.82 54.69% paid to date

    Emergency fund £3.8k & £200 cash. Mortgage offset fund £6237.54.
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • ani*fan
    • By ani*fan 14th Oct 16, 9:55 AM
    • 1,248 Posts
    • 2,902 Thanks
    ani*fan
    Thanks INOD. That's exactly what I needed to hear today. I think I'll go back and read my whole diary, try to remember how it was to be £18k in debt and think about how much better things are now. There is progress in every area, sometimes I forget that.

    I need to remember to keep smiling throughout this process. Learning to manage your money is a skill for life and one worth having. I've worked so hard to learn all this, I need to give myself a pat on the back. And a pat for all of you on here too!
    Total debt at its highest £18,780/Total today £9,295.49
    • ani*fan
    • By ani*fan 14th Oct 16, 9:58 AM
    • 1,248 Posts
    • 2,902 Thanks
    ani*fan
    So I just accessed my accounts to add up the debt.

    Right now it stands at £9,893.15

    Now that's good progress!! And I'm under £10k!! FINALLY!!

    Total debt at its highest £18,780/Total today £9,295.49
    • ani*fan
    • By ani*fan 14th Oct 16, 9:59 AM
    • 1,248 Posts
    • 2,902 Thanks
    ani*fan
    Only £500 to pay before I'm half way there!
    Total debt at its highest £18,780/Total today £9,295.49
    • hiddenshadow
    • By hiddenshadow 14th Oct 16, 11:30 AM
    • 1,768 Posts
    • 8,007 Thanks
    hiddenshadow
    You're so close!
    MFW: Dec '13 £197,100 / Dec '14 £180,691 / Dec '15 £161,669 / Dec '16 £119,900 (£6,628 offset)
    Payment 35/84 / 2016 MFW #56: £41,769/£43,000 97% / MFiT-T4 #15: £39,600/£90,000 44%
    • misstara
    • By misstara 14th Oct 16, 10:02 PM
    • 1,897 Posts
    • 12,541 Thanks
    misstara
    So I just accessed my accounts to add up the debt.

    Right now it stands at £9,893.15

    Now that's good progress!! And I'm under £10k!! FINALLY!!

    Originally posted by ani*fan
    Woohoo! that's fab
    Debt at LBM Jan 2014 £10458.09 Now £487.50 (95.3% paid)
    New flat debt Nov 2016 £1252.44
    Mini Targets
    Exercise target - 2/12. Groceries target £4.05/£135. NSD target 2/15.
    • in need of direction
    • By in need of direction 15th Oct 16, 11:50 AM
    • 4,063 Posts
    • 22,743 Thanks
    in need of direction
    Why not tackle the £500 in 1% increments. It'll disappear
    Mortgage at 01.01.14 £119,481.83 today £86,391.14 yr1 target met 11.57% cleared
    Current target pay £26,805.30 by 31.12.2016. more than £14660.82 54.69% paid to date

    Emergency fund £3.8k & £200 cash. Mortgage offset fund £6237.54.
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • ani*fan
    • By ani*fan 29th Oct 16, 12:05 PM
    • 1,248 Posts
    • 2,902 Thanks
    ani*fan
    I've been doing my sums for next month. It looks like I will be able to pay the last few hundred off one of my credit cards when I get paid on Monday and close it down.



    I'm so excited I can hardly think!

    I'll let you know if I manage to get it done. As long as there are no surprise bills between now and Monday then it should all be good.
    Total debt at its highest £18,780/Total today £9,295.49
    • ani*fan
    • By ani*fan 29th Oct 16, 5:14 PM
    • 1,248 Posts
    • 2,902 Thanks
    ani*fan
    Has anyone seen the movie 'I, Daniel Blake'?

    I saw it last night and was moved to tears. I've never been at the movies where grown men were sobbing but that's what was happening last night.

    The movie shocked me and made me mad, and then it kind of scared me to think that any of us could be in that position. We all pay into social security and we should all be able to access it when required. What's happening is an outrage.

    Today I thought about how vulnerable I'd be if I lost my job, which I might in a year's time. And how I should pay my debt off as fast as I can.
    Total debt at its highest £18,780/Total today £9,295.49
    • in need of direction
    • By in need of direction 29th Oct 16, 5:20 PM
    • 4,063 Posts
    • 22,743 Thanks
    in need of direction
    I haven't seen it yet but would like to. It was an injury that made me start with MSE. I just realised I wanted a more manageable mortgage just in case work stopped being an option. And this is coming from someone who workeD in and around benefits for 12 years.
    Mortgage at 01.01.14 £119,481.83 today £86,391.14 yr1 target met 11.57% cleared
    Current target pay £26,805.30 by 31.12.2016. more than £14660.82 54.69% paid to date

    Emergency fund £3.8k & £200 cash. Mortgage offset fund £6237.54.
    determined to stop defining myself by my mistakes.
    Progress not perfection.
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

371Posts Today

2,186Users online

Martin's Twitter