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
    • White-as-Snow
    • By White-as-Snow 20th Sep 14, 9:05 PM
    • 214Posts
    • 632Thanks
    White-as-Snow
    "Looking forward to paying off all my debts and getting back to just being broke"
    • #1
    • 20th Sep 14, 9:05 PM
    "Looking forward to paying off all my debts and getting back to just being broke" 20th Sep 14 at 9:05 PM
    Very long time lurker (think years) and I now think that I should make it official and join the ranks of the Debt Free Wannabes.

    I have just started being an OU student so took the opportunity after a lot of recommendations on here to get the free student edition of YNAB and actually really love it. I will be using it on my DF journey so I can see where every penny goes and not have to worry about it so much.

    So today is day zero and by the end of this diary I hope that my debt sheet is as my name suggests completely clear and white as snow.

    So here I am. My plan is to clear my debts at a steady rate because previously I'd throw all my money at them and then have to use it again because something cropped up so false economy really and more a candle than actual light bulb to be honest.

    Right 1st step is to update YNAB and check/update all my balances so that I know exactly which rung of the ladder that I'm starting on. Going to get into my jimmies, grab a cup of tea and get it done!

    Update with balances as soon as I'm done...... wish me luck....
Page 4
    • White-as-Snow
    • By White-as-Snow 2nd Aug 16, 10:19 AM
    • 214 Posts
    • 632 Thanks
    White-as-Snow
    Yesterday spends:
    £6.00 Electricity top up
    £0.74 PAD

    Today to do:
    Check YNAB
    Deal with any mail 1 for filing 1 for the bin
    PAD 54p
    Food shop
    Breakfast
    Dinner
    Roast Lamb for tea
    Clean Rabbit cage
    Check Mams budget
    Check FreePostcodeLottery
    Check neighbours pets
    2 bin bags donated

    Spends:
    £20 on home made crocheted blankets for DD2
    £40.06 groceries

    Income:
    £30 from pet sitting
    Last edited by White-as-Snow; 03-08-2016 at 1:38 PM.
    Total Debt:
    Dec 2015: £20,090.87
    Dec 2016: £16,320.85
    • White-as-Snow
    • By White-as-Snow 3rd Aug 16, 1:45 PM
    • 214 Posts
    • 632 Thanks
    White-as-Snow
    I feel sometimes that during my day I don't actually get anything accomplished and that the day just starts and ends and the house and our finances are no better so although my lists are usually boring everyday things it helps me to mentally feel like I've done something.

    Done today:
    Breakfast done
    Dinner done (Yesterdays leftovers fried with egg)
    Fed/Watered the rabbit
    Hoovered the hallway (where the rabbit is- she makes a mess with the sawdust and the hay all the time.
    Tidied the parlour (not as posh as it sounds. We spend most of our time in the large living/dining room and the parlour is just a smaller room with sofa/tv for relaxing)
    Hoovered the parlour
    YNAB checked
    Mail sorted (1 to be filled in and sent back-done and 1 to be forwarded to someone else-done)
    PAD done- 89p to the CC
    Tea done-easy pizza from the freezer
    Checked on neighbours pets

    Spends:

    Gained:
    £0.03 as someone wanted me to buy something online for them and I had the change lol
    Last edited by White-as-Snow; 04-08-2016 at 9:12 AM.
    Total Debt:
    Dec 2015: £20,090.87
    Dec 2016: £16,320.85
    • Bobarella
    • By Bobarella 3rd Aug 16, 7:46 PM
    • 10,103 Posts
    • 64,626 Thanks
    Bobarella
    Hey White as Snow
    Just recognised your user name from the PAD thread. I'd love a seperate chill out room like a parlour, that must be nice
    Bob
    £378 Debt free by 31/03/17 or bust
    Roadkill 17 £51.30 2016-£62.28 2015- £84.20)
    RYSAW17 £1410.90 2016 £2,535.16 2015 £1027.20
    PAYDBX 7 #£397/£760 to go!!
    NST March1 4/15
    • White-as-Snow
    • By White-as-Snow 4th Aug 16, 9:11 AM
    • 214 Posts
    • 632 Thanks
    White-as-Snow
    Hey Bobarella.
    It is handy to have I must admit. Good when guests need to sleepover too so you can put them in there and still have your living room available.

    Well yesterday was a NSD (not counting PADs) Was tempted to go get takeaway but I didn't give in! Tonight will (should) be beef in black bean sauce (made at home- sauce from a jar but still cheaper than chinese I guess) with rice and home made(from a box that you fry yourself) prawn crackers

    Got given 2 vases yesterday aswell and I'm trying to think about what I can do to them so that I can gift them for Christmas. The only hand made gifts I've ever given were food hampers but I want to try a few this year. Was thinking maybe them pretty stones in the bottom, some fake flowers and a nice ribbon around them? One is a very tall one and one is smaller so that one could be used for a large candle maybe? Hmmm decisions

    Need to buy 3 condolence cards today! A family friend, a friends husband and a neighbour have all passed away this week. Not a good week at all.
    Total Debt:
    Dec 2015: £20,090.87
    Dec 2016: £16,320.85
    • Bobarella
    • By Bobarella 4th Aug 16, 9:33 AM
    • 10,103 Posts
    • 64,626 Thanks
    Bobarella
    Sorry for your loss
    £378 Debt free by 31/03/17 or bust
    Roadkill 17 £51.30 2016-£62.28 2015- £84.20)
    RYSAW17 £1410.90 2016 £2,535.16 2015 £1027.20
    PAYDBX 7 #£397/£760 to go!!
    NST March1 4/15
    • White-as-Snow
    • By White-as-Snow 13th Aug 16, 10:36 AM
    • 214 Posts
    • 632 Thanks
    White-as-Snow
    Well been having a shitty time this month. Nothing going right at all. Felt this month like I was just banging my head against a brick wall. Debt has not been increased though! Have woken up today however and decided to make an effort to be happy, hopeful, energetic and generally see if the world will fall in line with me if I "fake it til you make it" as they say.

    Children: All happy and healthy and am grateful to have such amazing children

    Husband: Amazingly happy with him even after over 12 years of marriage. He makes me happy, gives me compliments and attention and works hard to provide for us. He does have things that grate on me such as his inability to be on time for things but I am trying to relax about it and find workarounds so that I don't get annoyed.
    He is having some issues at the moment with his DS from before we met. Both being stubborn unfortunately and while I am trying to help DH you can lead a horse to water but not make him drink.

    Weight: Not lost (or gained) anything so while not good not bad either. Not really been consciously making the effort to be honest. I did have a good day yesterday so am going to build on that today and going forward. Slip ups will be just that and tomorrow is a new day.

    Open University: Signed up for my next module. Had my tuition fee loan approved. Sent off for my course grant- waiting to hear back. Not done my grants for dependants form yet. (Been putting it off as that's the one that need the most paperwork to be found)
    Total Debt:
    Dec 2015: £20,090.87
    Dec 2016: £16,320.85
    • White-as-Snow
    • By White-as-Snow 28th Aug 16, 2:28 PM
    • 214 Posts
    • 632 Thanks
    White-as-Snow
    Nothing much to update to be honest but I thought I'd show my face as it were.

    Have a student version of YNAB so have to use what they give me and so far it's been YNAB 4 which I've been loving but now they've 'upgraded' to a new web based version which it taking some time to get used to so budgetting is a little confusing at the moment until I get up to speed with it.

    I haven't added to my debt the last month so that's all good.
    Have realised that a lot of money goes towards school dinners - almost a £100 a month! Will see if my kids will go back to packet lunch. They go back and forth quite often because I have great intentions and after a while I guess it ends up feeling like such a chore day after day. Their old school was easier basically you turned up on the day with either a packed lunch or asked for dinner but their new one needs 2 weeks notice to change from one to the other.

    Right off to finish making tea! Trying a new never made before recipe so hope it turns out nice x
    Total Debt:
    Dec 2015: £20,090.87
    Dec 2016: £16,320.85
    • White-as-Snow
    • By White-as-Snow 3rd Sep 16, 10:26 PM
    • 214 Posts
    • 632 Thanks
    White-as-Snow
    Well seem to have got the hang of the new YNAB and actually think that the credit card change is better now that i'm used to it. You get so used to doing things one way and then its difficult to change.

    Well last day of the holidays tomorrow- school starts on Monday ! Back to normal. I like the holidays though- get to spend time with the kids, can be leisurely and do most things to your own timetable. Waiting for my OU work to come in the post and then I'll be starting my 3rd part time year.

    Student finance for the course and for maintenance in place. Nearly done on my dependants form. Have sorted out all my paperwork though so it will be easier now to find what I need to fill in the form.

    Kids have sorted another 2 bags of things to either be donated or car booted so now I do see a difference in the amount of things in there rooms. Still a long while to go but this time seems much better than before! Even getting rid of soft toys which is such a difficult thing for the kids to let go of.

    Going to be a busy day tomorrow getting organised for the week ahead.
    Total Debt:
    Dec 2015: £20,090.87
    Dec 2016: £16,320.85
    • White-as-Snow
    • By White-as-Snow 4th Sep 16, 8:54 PM
    • 214 Posts
    • 632 Thanks
    White-as-Snow
    Well kids agreed to packed lunches for the time being anyway so lunches made ready for the morning.
    I'm normally great until Wednesday night and then I just can't be bothered making them for Thursday and Friday so I have made some emergency sandwiches and put them in the freezer just incase haha

    Kids in bed now hopefully getting up and ready in the morning won't be too much of a struggle.

    Getting my prepayment electric meter changed for a credit meter tomorrow. My average spend is between £20-£25 a week I know they say that prepayment is the same cost as a credit meter but we'll soon see. I can't get a dual fuel discount as I don't have mains gas- we live in the sticks unfortunately. Roughly cost £50 a month on LPG averaged out. In the Summer obviously less but in the Winter could be a new bottle every 10 days !

    Am spending £150 a month on Gas and Electric and reading through other peoples SOA's I can't help but be jealous that other people don't seem to spend as much

    Am doing as much as I can to save electric including turning everything off in the mains and using the washing line but nothing seems to be making much difference- just can't get it less!
    Total Debt:
    Dec 2015: £20,090.87
    Dec 2016: £16,320.85
    • White-as-Snow
    • By White-as-Snow 11th Oct 16, 7:34 PM
    • 214 Posts
    • 632 Thanks
    White-as-Snow
    Ok well so far this month i have shifted a 21.9%!!! apr debt to a very long 36 month 0% interest card ! yay

    Have changed phone contracts. Was quite cheap anyway I think- £19pm for 2 but have managed to reduce it to £14.07 pm for 2 mobiles so a good job i think x

    Have managed to buy about half (so far) of the kids Christmas presents WITHOUT using ANY credit at all- not even temporarily.
    Need to check my stores for gifts bought through the year for family as I'm sure I have managed to get most of them already.
    Total Debt:
    Dec 2015: £20,090.87
    Dec 2016: £16,320.85
    • White-as-Snow
    • By White-as-Snow 1st Nov 16, 8:30 PM
    • 214 Posts
    • 632 Thanks
    White-as-Snow
    October 1st:

    Spent:
    £67 council tax - necessity
    £2.10 Groceries (bananas for packed lunches and advent calendars for the kids for a treat-oops)
    £3.75 Christmas present for sister
    £6 Christmas present for DD1 and DS
    £2.99 Christmas present for m-i-l

    Total: £81.84 (£14.84 of avoidable spends)
    Total Debt:
    Dec 2015: £20,090.87
    Dec 2016: £16,320.85
    • chevalier
    • By chevalier 3rd Nov 16, 12:20 AM
    • 7,717 Posts
    • 17,909 Thanks
    chevalier
    Hi WAS. Well done on coming back and not giving up. Yes you have fallen off the wagon but you have got back on again, rather than given up. Keep going. It will get better.
    And well done on the new 36 month 0% APR card, that must be a big relief.
    chev
    I want a job that is less than an hour driving away from my house! Are you listening universe?
    • White-as-Snow
    • By White-as-Snow 28th Dec 16, 11:17 PM
    • 214 Posts
    • 632 Thanks
    White-as-Snow
    Well Christmas is over WITHOUT any extra debt! I no longer have any savings unfortunately so that's going to be the first thing to do in the New Year. I have so far managed NOT to go to any Boxing Day sales- in fact I haven't bought anything since Christmas Eve when I spent £3.

    I am hoping on not spending anything now until January.

    Thank you chevalier yes it does feel better not having the interest for a good long while!

    I'm sure I posted on here about needing to lose some baby weight- well I don't think I can get away with that excuse any more. The baby in question is 18 months old! Just fat now haha. I do want to lose the weight but I suppose I'm just not motivated enough! Have decided I might just eat more fruit/veg this year rather than diet and hopefully the weight loss will come naturally.

    I'm not one for New Year resolutions but am seeing this year as a continuation of what I have already started and want to build on that and go the next step.

    Will update on my current debt at the end of the month when my CC payment goes out.

    Hope you all had a great Christmas and don't get too drunk in the merriment of New Year! xx
    Total Debt:
    Dec 2015: £20,090.87
    Dec 2016: £16,320.85
    • White-as-Snow
    • By White-as-Snow 2nd Jan 17, 11:22 AM
    • 214 Posts
    • 632 Thanks
    White-as-Snow
    Ok start of year update (I know it should have been done yesterday sorry)
    Total Debt:
    Dec 31st 2015: £20,090.87
    Dec 31st 2016: £16,320.85

    So paid off 3,770.02 in a year. So about £314 a month. Hmm while I'm happy- I'm also wanting this year to pay off more!

    Have been KMing loads the last few months aswell and to start with did not see any change but now I am definately starting to see the difference in the house. Have even been able to move DD3 into DD1's room and have our bedroom back!! Her first night last night went quite well. Have still kept the cot with the bars up for now as I don't want her getting up and trashing her big sisters things (at the minute anyway) haha

    Will be maintaining normal/min payments to all debts but savings will be my first step for the new year again so that nothing has to go back onto a C/C if anything goes wrong.

    Savings currently at 0/£1000 (my target)
    Total Debt:
    Dec 2015: £20,090.87
    Dec 2016: £16,320.85
    • White-as-Snow
    • By White-as-Snow 10th Jan 17, 8:34 PM
    • 214 Posts
    • 632 Thanks
    White-as-Snow
    So car is sick ........ Sounds like an expensive bill is heading my way.

    I might have to use a credit card but I really don't want to ....... I don't have anything saved yet so aaaaaaarrrrrggggg.

    I am going to see if I can squeeze it from the budget somehow. Food and petrol hopefully. But until I know what the bill is properly then I won't know if I can stretch that far

    AAAAArrrrrrrr feeling frustrated
    Total Debt:
    Dec 2015: £20,090.87
    Dec 2016: £16,320.85
    • White-as-Snow
    • By White-as-Snow 16th Jan 17, 10:24 PM
    • 214 Posts
    • 632 Thanks
    White-as-Snow
    Well managed to not use the credit for the car bill. It does mean that our budget will be a little tighter this month and possibly next month but am sure we will be able to deal with it.
    Been a busy week as I had to get my uni assignment in by this morning. That has been done and dusted yay and I hope it was done well enough.

    Any money saved this month will now have to go to next months budget so that I can have next month without scrimping too much and today I managed to put £45 into next month.

    DD who is 10 is currently loving eating lamb which is so expensive but didn't have takeout this weekend so have used that money to buy some for tomorrows tea!

    Need to go to farmfoods tomorrow for their square skinless sausages things so that we can make home versions of a famous takeout muffin. They are so much better homemade and much much cheaper. Always manage to get 5p muffins from tesco YS so stock up the freezer with them.
    Total Debt:
    Dec 2015: £20,090.87
    Dec 2016: £16,320.85
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

357Posts Today

4,784Users online

Martin's Twitter