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  • FIRST POST
    • AleMrsT
    • By AleMrsT 4th Nov 14, 12:03 PM
    • 525Posts
    • 1,290Thanks
    AleMrsT
    Mini meltdown and light bulb moment
    • #1
    • 4th Nov 14, 12:03 PM
    Mini meltdown and light bulb moment 4th Nov 14 at 12:03 PM
    Hi everyone,
    I posted on the forum yesterday and after some soul searching, I have contacted Step Change and am now in the initial stages of sorting a Debt Management Plan. The guy was really helpful, and said I am definitely taking the right steps for the circumstances, and I need to put me first.
    To get it all out in the open and off my chest is going to be the second box ticked on my 'getting my life on track' checklist.
    Number one was admitting that I cannot do this any more. I can't work full time any more, and I can't carry on getting in debt to pay debt.
    With my health deteriorating, I knew I needed to do something, but knew too that I just could not afford part time wages.
    I've figured it out so that I can reduce my hours by one day a week, meaning less sick days overall, so not too much of a pay reduction, but still less money than I need to service my debts with the increasing interest.
    So, Step Change are putting me on Debt Management Plan, it will take me a long time to pay it all off, but least it will be manageable, affordable and I wont have any more mini meltdowns.

    The next step is to have a big chat with the OH, which is the part I'm looking forward to the least. I married him knowing he has an IVA, and that he has 'around £15000' of debt, but I have no idea about anything else, when it will be paid off, how much he's paying, etc, so I want us to sit and have an open chat about the complete bigger picture, so that we can really start to get to grips with everything. I also want to encourage him to embrace being more frugal, I have really tried, I've saved on food shopping by cooking from scratch, with using up what we have, and selling things on ebay to raise money for Christmas, but he's bought a coffee machine, sofa cushions and a wii U, which has thoroughly CHEESED ME OFF. So, a big chat is needed there. (to be fair, I agreed to the Wii U, he had a bonus from work and we have sold the Wii).
    I already feel a bit better, I'm off to Barclays this afternoon to set up a 'basic cash card account' so that I can transfer my PayPal funds and start my (long) debt free journey.
    I will try and update here when I can, but figures as at today are (taken off my Noddle credit report, not called for accurate balances from bank or CC company):
    Loan £2176
    OD £1050 (this is my OD limit, no idea how far into it I am, I daren't look!)
    N CC £2389
    H CC £1971
    TOTAL £7586.

    I am so looking forward to having a bank account without a negative balance!!
    Last edited by AleMrsT; 06-11-2014 at 10:26 PM.
Page 23
    • AleMrsT
    • By AleMrsT 8th Oct 17, 8:13 PM
    • 525 Posts
    • 1,290 Thanks
    AleMrsT
    Weekend Update
    I forgot to track how much I spent on Friday, I paid cash and lost the receipt, but it wont have been more than £5 as I don't usually carry much cash

    OH went out on Friday night with work so I stayed over at his work for free, I went to the gym and spent time in the spa, then had a meal in the restaurant. £25.50 spent on dinner but OH paid

    Saturday was a hospital day so £6 spent in parking (again OH paid), we came home from the hospital and got straight into bed as we were both so tired, woke up at 6.30 after a 3 and a half hour nap!

    Today OH is back at work on the late shift so I've been over to my mums with my sister, mum cooked dinner so today has been a NSD.

    It was time for my DMP budget review which I have filled in, as my wages have increased my DMP payment has also increased by £15 to £98 a month, bringing my DFD forward by 8 months to September 2021. Only 4 years to go!!

    It originally increased the payment to £159 per month, but I didnt want to leave myself too short by overcommitting on the DMP, I'd rather increase by a smaller amount and save any surplus towards the christmas and emergency fund pots. I'm going to be paying the DMP for ages anyway, I might as well finish paying it off in line with the payment defaults falling off my credit file.

    As is standard when I'm checking in here, I have a pile of ironing to do Then I'll be off to bed soon as I'm still feeling really tired despite all of the sleep I've had this weekend. The weekend has flown by, I can't believe its Monday again tomorrow!

    Ah well, only 4 more working days then I've got a week off with OH and we have no plans other than one night away which is all paid for.
    Debt @ LBM Nov 2014 £7586.85
    Start of DMP Jan 2015 £7202.85 now £4555.26 (£2647.59 PAID)
    Italy 2018 £2103.44 now £600.00 (£1503.44 PAID)
    October extra income £36.23
    Emergency Fund £5600
    Christmas 2018 £2/£500
    • AleMrsT
    • By AleMrsT 11th Oct 17, 12:17 PM
    • 525 Posts
    • 1,290 Thanks
    AleMrsT
    Midweek Update
    So it's Wednesday again, my day off. We've had the grocery shop delivered this morning and the estate agents have been round to do an inspection.

    Monday was a NSD for me.

    We did the online grocery shop, haven't done one for ages, £129.79 spent.

    Seems a lot but we also stocked up on toiletries too so £47.78 of that was for toiletries!!! I like to go to savers but OH is such a brand snob, at least we have enough toilet roll and washing powder to last us.

    Tuesday was a NSD except we had a naughty McDonalds for dinner last night, OH paid £10.48. Totally unnecessary spends (and weight loss sabotage), I had salmon out ready to cook and everything. We just got back from work, having driven by on the way home, to see the neighbour heading in the door with a mcdonalds and we got tempted by the smell so got straight back in the car to fetch one. I was so hungry later on in the evening, serves me right for being tempted by junk!

    Today will be a NSD as I'm going to quickly clean the house, I did a quick whizz round this morning in preparation for the inspection, but as usual, I have more ironing to do (how does this happen?! How do I end up with so much ironing to do when I seem to always be spending time ironing?!?) then I'm going to go for a walk and spend the rest of the afternoon reading through the slimming world books that I found in the top of the wardrobe, reading back on my diary I seemed to have done quite well with SW before and there is a good facebook group that I've joined so want to get back in the right frame of mind (again!)

    OH finishes work at 8 tonight so it will be a late dinner, we have the salmon that we didnt use yesterday!
    Debt @ LBM Nov 2014 £7586.85
    Start of DMP Jan 2015 £7202.85 now £4555.26 (£2647.59 PAID)
    Italy 2018 £2103.44 now £600.00 (£1503.44 PAID)
    October extra income £36.23
    Emergency Fund £5600
    Christmas 2018 £2/£500
    • AleMrsT
    • By AleMrsT 11th Oct 17, 12:39 PM
    • 525 Posts
    • 1,290 Thanks
    AleMrsT
    I've just checked my topcashback account as I havent used it for ages, I've got £33.10 waiting to be paid out to me I'll see if I can withdraw it as a gift card/voucher to use whilst we're away for the night next week.
    Debt @ LBM Nov 2014 £7586.85
    Start of DMP Jan 2015 £7202.85 now £4555.26 (£2647.59 PAID)
    Italy 2018 £2103.44 now £600.00 (£1503.44 PAID)
    October extra income £36.23
    Emergency Fund £5600
    Christmas 2018 £2/£500
    • AleMrsT
    • By AleMrsT 11th Oct 17, 12:45 PM
    • 525 Posts
    • 1,290 Thanks
    AleMrsT
    ALSO - I've just checked my clubcard account. I have £61.50 worth of vouchers to spend there too!! Today is turning out to be a good day!
    Debt @ LBM Nov 2014 £7586.85
    Start of DMP Jan 2015 £7202.85 now £4555.26 (£2647.59 PAID)
    Italy 2018 £2103.44 now £600.00 (£1503.44 PAID)
    October extra income £36.23
    Emergency Fund £5600
    Christmas 2018 £2/£500
    • AleMrsT
    • By AleMrsT 11th Oct 17, 3:04 PM
    • 525 Posts
    • 1,290 Thanks
    AleMrsT
    OH's PPI cheques have cleared so he has paid £700 off the holiday balance only £600 left to pay now.

    He gets his bonus at the end of October and I will get the quarterly bonus on top of the monthly bonus in October too, so fingers crossed we can pay another £200 or so off at the end on the month.
    Debt @ LBM Nov 2014 £7586.85
    Start of DMP Jan 2015 £7202.85 now £4555.26 (£2647.59 PAID)
    Italy 2018 £2103.44 now £600.00 (£1503.44 PAID)
    October extra income £36.23
    Emergency Fund £5600
    Christmas 2018 £2/£500
    • AleMrsT
    • By AleMrsT 12th Oct 17, 7:05 PM
    • 525 Posts
    • 1,290 Thanks
    AleMrsT
    Today was a NSD. My work friend went to the chip shop for lunch and I was so tempted, in the end I had the toast and soup that I had taken in to work with me, so no sabotaging the diet or the money saving

    Need to pay £49.50 for a ticket to see Disney on Ice for niece 1's birthday (its not until next year but need to get the tickets booked), that is for my ticket and half payment towards my nieces ticket. Everyone else has transferred me the money for their tickets so I'll book them tonight, I'll see if I can do it through TCB too.

    Yesterday I spent £3.08 on a birthday card and £8.44 for sweets for OH's birthday, slightly more expensive because I had to pay for delivery too.

    Other than that, no more spending required until we go away next week.
    Last edited by AleMrsT; 12-10-2017 at 7:07 PM.
    Debt @ LBM Nov 2014 £7586.85
    Start of DMP Jan 2015 £7202.85 now £4555.26 (£2647.59 PAID)
    Italy 2018 £2103.44 now £600.00 (£1503.44 PAID)
    October extra income £36.23
    Emergency Fund £5600
    Christmas 2018 £2/£500
    • armchairexpert
    • By armchairexpert 13th Oct 17, 1:47 AM
    • 648 Posts
    • 4,138 Thanks
    armchairexpert
    You're doing great! The PPI and bonuses are such a boon, you'll have that holiday paid for well in advance at this rate.
    MFW diary here. 1 Feb 2017 $229,371 - MFD Feb 2043 aiming for May 2028
    14 August 2017 - Refinanced: $220,000
    September 2017 - $218,597.77
    • AleMrsT
    • By AleMrsT 15th Oct 17, 10:28 AM
    • 525 Posts
    • 1,290 Thanks
    AleMrsT
    So its Sunday again and OH is at work, we're off all next week so today I shall be washing and cleaning and cooking a beef brisket for dinner, it was a yellow sticker purchase a few weeks ago and has been in the freezer, been looking forward to a Sunday dinner for so long but with OH's work pattern it hasnt really happened. When he gets home at 4pm I'm hoping the house will be spotlessly clean and tidy and there will be a nice smell of roast beef in the air.

    Hoping to get cracking ASAP on the chores then I can chill out for a couple of hours with my book whilst the dinner is cooking.

    Spends the past couple of days for me personally haven't been that much. I paid £49.50 for the disney tickets, unfortunately I had to transfer the money from savings for that and I've left the remainder of it in my account ready for our week off. Still need to sort out the clubcard voucher swap so will do that later when OH finishes work.

    We got a date through for the rescheduled concert that we were supposed to be going to next week (hence the time off work and overnight stay booked), this has been rescheduled for February so I've booked the day off work and OH has booked a room at the hotel again, it was £39.

    I then found out why the February room cost was a lot cheaper.... I had actually booked completely the wrong travelodge for next week! Its a good job the concert has been reschduled, the hotel I booked is 3 miles away from the arena! It has worked out better though as its right in the city centre (hence the higher price I guess!) so it means we'll be more central for the two days we're away and wont have to use the car or trams etc as we are within walking distance of everything.

    Nothing else to report really as the days have mainly been NSD's, apart from the ticket purchase for niece 1's birthday.

    Hoping to keep next week as spend free as possible, however when we increased our DD's to the bills account we calculated some 'fun money' into the overall budget for the bills account, so we should have around £100 in there for the rest of the month, so if we use this whist we're away then the bills account should still be in budget.

    Thats all from me for now, off to update my signature now the savings pot has depleted then going to spend a good couple of hours on the housework.

    Hope you're all having a good Sunday, whatever you may be doing.
    Last edited by AleMrsT; 15-10-2017 at 10:35 AM.
    Debt @ LBM Nov 2014 £7586.85
    Start of DMP Jan 2015 £7202.85 now £4555.26 (£2647.59 PAID)
    Italy 2018 £2103.44 now £600.00 (£1503.44 PAID)
    October extra income £36.23
    Emergency Fund £5600
    Christmas 2018 £2/£500
    • October Starter
    • By October Starter 16th Oct 17, 11:46 AM
    • 649 Posts
    • 3,072 Thanks
    October Starter
    Hi Mrs A,

    Sounds like you are doing well with your NSDs and besides the cheeky Maccys are keeping to your weight loss plan.

    Keep up the good work! I know how hard it is!

    October xx
    Loan: 6100.00 4542.08 ~~ Credit Card: 4231.82 #20 Emergency Fund: £249.96/£1000 25%!
    LBM 1: (20.08.14) -£5000.00 LBM 2: (25.07.17) -£9750.00 October Goals NSDs: 0/10, Ibs Lost: 0/10, Xtr Income: £0/£50
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