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  • FIRST POST
    • Tinkerbelle2000
    • By Tinkerbelle2000 20th Aug 15, 12:59 PM
    • 491Posts
    • 1,539Thanks
    Tinkerbelle2000
    I Need A New Me
    • #1
    • 20th Aug 15, 12:59 PM
    I Need A New Me 20th Aug 15 at 12:59 PM
    Oh here goes. I've been lurking on here for years and made my first post a couple of weeks ago. After some encouragement from some lovely people I am now ready to start my own diary.


    I am in debt to the sum of £10223.85 (approx.). Need totals on credit card statements. In the last couple of months I have managed to pay £1073.56 so I'm hoping my the end of this month I can get sub £10k. I will be getting my last wage from my old employers before starting my new job on 1st September. Total change and I think I can make a really good career from this.


    A bit about me, I'm 40 ish with an OH and a lovely teenage DD. Last year I moved into my OH's house and this has been a big anxiety inducing problem for me. I feel like I'm lost a bit with having no place of my own anymore. After a huge argument the other week I really wanted to move out but I was stuck, no money for a deposit and waiting list a mile long for council houses in our area. I have decided that I want an Emergency Fund and have joined the challenge for this to get £1k but realistically I would like that to be £3k. We have sorted things out now but I don't feel settled and knowing that I have some money behind me for if I'm ever put in that position again will help reduce the anxiety I feel about this.


    Most of my debt is 0% interest. The biggest being a family loan but I plan to make overpayments each month as I know I have spare money to do this. I also have YNAB so I'm going to spend the afternoon getting that as up to date as I possibly can, until I know my new wage.


    Well that's all for now and if you managed to get to the end, thank you for reading. And a big thanks to the lovely ladies who have encouraged me. You know who you are.


    Take care.


    Tink xx
Page 16
    • kirtsypoos
    • By kirtsypoos 6th Oct 16, 4:43 PM
    • 1,782 Posts
    • 6,719 Thanks
    kirtsypoos
    All sounds very well planned and positive Tink

    Sorry you're feeling so rubbish, it's rotten isn't it? Feel better soon xx
    £2025/3000 OH BC(32.50% PAID) £1600/3851 B/C (58.45% PAID)
    £530/1000 Tesco (47% PAID) MBNA £3400/3795.64 (10.42% PAID)
    PAID VERY, Barclaycard, Vanquis, Natwest, O/D & MBNA PAID
    LBM 24/07/15 - Debt: £7555/31010.23 (75.63% paid)
    Mortgage - £85,000.00 (O/P £666.48 so far) PAYDBX 16 #006 - £14962.15/£10000
    • Tinkerbelle2000
    • By Tinkerbelle2000 6th Oct 16, 6:13 PM
    • 491 Posts
    • 1,539 Thanks
    Tinkerbelle2000
    Hope you soon feel better Tink - coughs can be terrible things try to take it as easy as you can.

    Your plans for your London trip sound fab! You're really organised too with getting your bookings sorted

    Sounds like you're on a real roll with your budget it's kind of addictive, isn't it?

    Jumblerina xxx
    Originally posted by Jumblerina
    You're not kidding with it being addictive. I'm forever on by spreadsheet if I make a payment or pay a bit of my debts. Wish it was the same with YNAB but I just don't update it enough.

    Kirsty - It must be something going round, it seems a lot of people have it. At least I'm off for the rest of the week.

    Tink xx
    LBM 11/08/15 - Total Debt Owing:- £10338.89 01/11/16 - £13996.57 01/12/16 - £13062.92
    DEBT 1 = £1143.93 DEBT 2 = £1073.00 DEBT 3 = £253.38
    DEBT 4 = £725.02 DEBT 5 = £166.10 DEBT 6 £1120.00
    DEBT 7 = £1324.59 DEBT 8 = £6325 DEBT 9 £2656.92
    • doingitanyway
    • By doingitanyway 6th Oct 16, 7:45 PM
    • 1,044 Posts
    • 4,238 Thanks
    doingitanyway
    Sorry to hear you are unwell Tink. It doesn't seem to stop you powering ahead on the debt busting. Well done you
    JANUARY 2016/SECURED DEBT=23,322/OCTOBER 2016=15,327 or 34.5% PAID
    MORTGAGE FREE 25/07/16
    • Tinkerbelle2000
    • By Tinkerbelle2000 10th Oct 16, 2:53 PM
    • 491 Posts
    • 1,539 Thanks
    Tinkerbelle2000
    I'm much better now, thank you. It was payday on Friday and I've paid some off my debts and booked the train tickets for London. DD is made up, she said she knows its real now we have the tickets booked lol.

    Had quite a chilled weekend. Bought Mr T a 25 metre lead so that he can run without running away lol. It is amazing and it was under £10. Best money I have spent on him. Yesterday was cleaning and washing day which resulted in us doing a bit of decluttering of shoes and some clothes that can't go on e-bay and I have finally took the pictures for the items we want to sell. I'll be putting these on e-bay over the next couple of days. All spending money towards London.

    I'm a bit cross with PC W0rld though. I bought my laptop from them last year and got a good deal for Office with it. I thought this was a one off payment but no, they took £59.99 out of my bank over the weekend. I will be looking into this and taking my card details off my account. Although then what will I do with my spreadsheet if I can't use Excel next year grrr.

    Not got any plans for this weekend so I will be working on some ideas for my Etsy shop. I don't think I'm going to rush and try and get it up for Christmas like I intended, hopefully in the new year. There are a couple of items that are Christmas specific though, so maybe just a trial run with those.

    Still not sorted college out yet. I have looked at the distance learning and there are so many companies out there. I just want to make sure I pick the right one.

    Better get back to work. Will update totals tonight. Hope everyone is well.

    Take care.

    Tink xx
    LBM 11/08/15 - Total Debt Owing:- £10338.89 01/11/16 - £13996.57 01/12/16 - £13062.92
    DEBT 1 = £1143.93 DEBT 2 = £1073.00 DEBT 3 = £253.38
    DEBT 4 = £725.02 DEBT 5 = £166.10 DEBT 6 £1120.00
    DEBT 7 = £1324.59 DEBT 8 = £6325 DEBT 9 £2656.92
    • kirtsypoos
    • By kirtsypoos 10th Oct 16, 3:28 PM
    • 1,782 Posts
    • 6,719 Thanks
    kirtsypoos
    Glad you are feeling better Tink, and that you have got the ebay bug I love it sometimes, then I go through a phase of hating it

    Rubbish about PC World though - how naughty! Can you complain to customer services? Surely they should have made it clear of there is an ongoing subscription payment - hope you get it sorted xx
    £2025/3000 OH BC(32.50% PAID) £1600/3851 B/C (58.45% PAID)
    £530/1000 Tesco (47% PAID) MBNA £3400/3795.64 (10.42% PAID)
    PAID VERY, Barclaycard, Vanquis, Natwest, O/D & MBNA PAID
    LBM 24/07/15 - Debt: £7555/31010.23 (75.63% paid)
    Mortgage - £85,000.00 (O/P £666.48 so far) PAYDBX 16 #006 - £14962.15/£10000
    • RosaBernicia
    • By RosaBernicia 10th Oct 16, 5:44 PM
    • 3,052 Posts
    • 7,586 Thanks
    RosaBernicia
    Hi Tink

    Sounds like you got Office365 which is now a subscription service. They should have told you that though.

    If you decide against keeping it, you can probably use your spreadsheet with one of the open source software options eg GoogleDocs. They take a little getting used to but will do most of what Office does.


    Rosa xx
    Proud to be dealing have dealt with my debts - DEBT FREE May 2016
    DFW Diary - Balancing not just the budget
    http://forums.moneysavingexpert.com/showthread.php?t=4398229
    • doingitanyway
    • By doingitanyway 10th Oct 16, 5:58 PM
    • 1,044 Posts
    • 4,238 Thanks
    doingitanyway
    Glad you are feeling better Tink. Well done on the decluttering. Good luck with the e-bay
    DIA x
    JANUARY 2016/SECURED DEBT=23,322/OCTOBER 2016=15,327 or 34.5% PAID
    MORTGAGE FREE 25/07/16
    • Tinkerbelle2000
    • By Tinkerbelle2000 10th Oct 16, 9:51 PM
    • 491 Posts
    • 1,539 Thanks
    Tinkerbelle2000
    Thank you all, I think I will have to look into that Rosa.

    So debts that got paid on pay day are Debt 2 - £41.00, Debt 3 - £50.00 and Debt 6 £80.00 and there will also be a couple more payments before the end of the month. Total now is £13747.27.

    I love seeing how others can put away a huge chunk of savings and pay their debts too. I guess that comes of living down south where pay must be higher. I've actually noticed some diaries where they put away nearly half my wages before paying debts and having money to live on. Never mind, one foot in front of the other and at least the figure is going down now.

    Have been a little bit naughty though and ordered a new winter coat from my friends catalogue. I'm going to pay it off in a couple of months, not drag the weekly payments on. It is a need though because I don't have one now DD has claimed it for school and I think I will need a good one for London. Not going to buy anything else until we are there though lol.

    Tink xx
    LBM 11/08/15 - Total Debt Owing:- £10338.89 01/11/16 - £13996.57 01/12/16 - £13062.92
    DEBT 1 = £1143.93 DEBT 2 = £1073.00 DEBT 3 = £253.38
    DEBT 4 = £725.02 DEBT 5 = £166.10 DEBT 6 £1120.00
    DEBT 7 = £1324.59 DEBT 8 = £6325 DEBT 9 £2656.92
    • doingitanyway
    • By doingitanyway 12th Oct 16, 7:29 PM
    • 1,044 Posts
    • 4,238 Thanks
    doingitanyway
    A winter coat is essential in my book. You'll need it for walking around London
    JANUARY 2016/SECURED DEBT=23,322/OCTOBER 2016=15,327 or 34.5% PAID
    MORTGAGE FREE 25/07/16
    • Tinkerbelle2000
    • By Tinkerbelle2000 13th Oct 16, 11:22 AM
    • 491 Posts
    • 1,539 Thanks
    Tinkerbelle2000
    Thanks DIA, I'm saving it for then but it is hard lol.

    I'm shattered today and I don't know why. Getting better sleep now the cough is easing off and I've had the all clear from my x-rays so that's a weight off my mind. I'm even getting to bed earlier every night so I have time to read.

    Got to call my car insurance today as they have taken more out than it was set up for. They are telling me this is because I haven't sent proof of my ncb but I have, so will hopefully get the difference refunded. It's messed my spreadsheet up lol.

    I'm finding it a bit of a struggle this week moneywise. The old me would just go and spend and deal with the consequences later. I know I can't do that now as I would ruin all my plans and our trip, but I do feel a bit down. Maybe something to do with being tired.

    Also, I've noticed that a few of my clothes are getting tighter. I know I have put a bit of weight on but I didn't think it was so much that some of my work clothes don't fit comfortably anymore. Will have to take Mr D for longer walks for my benefit as much as his lol.

    Hope everyone is having a good week.

    Tink xx
    LBM 11/08/15 - Total Debt Owing:- £10338.89 01/11/16 - £13996.57 01/12/16 - £13062.92
    DEBT 1 = £1143.93 DEBT 2 = £1073.00 DEBT 3 = £253.38
    DEBT 4 = £725.02 DEBT 5 = £166.10 DEBT 6 £1120.00
    DEBT 7 = £1324.59 DEBT 8 = £6325 DEBT 9 £2656.92
    • doingitanyway
    • By doingitanyway 13th Oct 16, 12:22 PM
    • 1,044 Posts
    • 4,238 Thanks
    doingitanyway
    Sorry you are feeling down Tink. It’s hard to keep going but you are doing so well.

    I didn’t mean to sound as if getting a new winter coat is easy. It is an expensive purchase. I get round this by going to outlet shops or buying in the spring sales for the following year, but I appreciate it is hard to get the lump sum all at once to even do that sometimes

    It is only very recently I have been able to buy a new coat. My previous ones for years were from charity shops. One of my best buys was an ankle length Acquascutum 100% cashmere. Yes, that’s right a 100% cashmere coat that I paid £30 for. It was in brilliant condition. I still wear it and nearly every time I do I get a compliment. So do keep an eye out for future winters.

    I hope you will be warm and happy in your new coat
    DIA xx
    JANUARY 2016/SECURED DEBT=23,322/OCTOBER 2016=15,327 or 34.5% PAID
    MORTGAGE FREE 25/07/16
    • Tinkerbelle2000
    • By Tinkerbelle2000 13th Oct 16, 1:23 PM
    • 491 Posts
    • 1,539 Thanks
    Tinkerbelle2000
    Oh DIA I didn't think that at all. I meant I'm finding it hard to save it for London as the mornings are getting cold up here.

    I've actually started looking in charity shops for some work clothes but I might have to go to the next town as there isn't much in ours. I bet your cashmere is sooo warm.

    Clock watching today isn't making the day go any faster.

    Tink xx
    LBM 11/08/15 - Total Debt Owing:- £10338.89 01/11/16 - £13996.57 01/12/16 - £13062.92
    DEBT 1 = £1143.93 DEBT 2 = £1073.00 DEBT 3 = £253.38
    DEBT 4 = £725.02 DEBT 5 = £166.10 DEBT 6 £1120.00
    DEBT 7 = £1324.59 DEBT 8 = £6325 DEBT 9 £2656.92
    • moneyonmymindsam
    • By moneyonmymindsam 13th Oct 16, 9:01 PM
    • 1,072 Posts
    • 3,036 Thanks
    moneyonmymindsam
    Hi Tinks


    Well done with the payments to debts.


    Loving your signature ...your obviously very organised
    2016 Savings pot £3500 Health pot £100 In Credit on CC £40 Eating Out Vouchers £50




    • C.M.
    • By C.M. 13th Oct 16, 9:23 PM
    • 28 Posts
    • 86 Thanks
    C.M.
    Doing one of my rare 'coming out of hiding' from lurkdom posts because of the winter coat post....

    I am currently hunting a winter coat due to an upcoming few days in Iceland. ..in the winter....

    There are loads of lovely, practical yet fashionable,warm and waterproof coats on the r3gatta outlet and trespa$$ websites at the minute...

    I've just ordered one from trespa$$ for 27 quid. ...down from 99...and it's very lovely (don't think I've posted enough to do links)

    Good luck with your ongoing debtbusting tinks!
    • joeyjimbles
    • By joeyjimbles 15th Oct 16, 7:57 PM
    • 1,495 Posts
    • 7,054 Thanks
    joeyjimbles
    This might not be what you want to do when you're in London, but there are a couple of really good charity shops - one in Knightsbridge - and one on Drury Lane, Covent Garden. I have bought beautiful barely worn items in both for a fraction of what they should have cost. They are not as cheap as the charity shops up here but the brands are so much better.
    I spent £60 on a visit last year and got a MaxMara coat, Jigsaw silk skirt, Hobbs trousers (2), and a couple of tops - all round the corner from their proper stores. They even gave me a Selfridges card bag to put them in.
    • Jumblerina
    • By Jumblerina 16th Oct 16, 4:20 PM
    • 193 Posts
    • 564 Thanks
    Jumblerina
    Bless you Tink - the dark mornings and the cold aren't fun at all! You're doing so well and your London trip is just around the corner, something nice to look forward to
    • Tinkerbelle2000
    • By Tinkerbelle2000 18th Oct 16, 10:45 PM
    • 491 Posts
    • 1,539 Thanks
    Tinkerbelle2000
    Doing one of my rare 'coming out of hiding' from lurkdom posts because of the winter coat post....

    I am currently hunting a winter coat due to an upcoming few days in Iceland. ..in the winter....

    There are loads of lovely, practical yet fashionable,warm and waterproof coats on the r3gatta outlet and trespa$$ websites at the minute...

    I've just ordered one from trespa$$ for 27 quid. ...down from 99...and it's very lovely (don't think I've posted enough to do links)

    Good luck with your ongoing debtbusting tinks!
    Originally posted by C.M.
    I feel very special that you have come out of lurkdom for me Thank you for the tips.

    Tink xx
    LBM 11/08/15 - Total Debt Owing:- £10338.89 01/11/16 - £13996.57 01/12/16 - £13062.92
    DEBT 1 = £1143.93 DEBT 2 = £1073.00 DEBT 3 = £253.38
    DEBT 4 = £725.02 DEBT 5 = £166.10 DEBT 6 £1120.00
    DEBT 7 = £1324.59 DEBT 8 = £6325 DEBT 9 £2656.92
    • Tinkerbelle2000
    • By Tinkerbelle2000 18th Oct 16, 10:47 PM
    • 491 Posts
    • 1,539 Thanks
    Tinkerbelle2000
    This might not be what you want to do when you're in London, but there are a couple of really good charity shops - one in Knightsbridge - and one on Drury Lane, Covent Garden. I have bought beautiful barely worn items in both for a fraction of what they should have cost. They are not as cheap as the charity shops up here but the brands are so much better.
    I spent £60 on a visit last year and got a MaxMara coat, Jigsaw silk skirt, Hobbs trousers (2), and a couple of tops - all round the corner from their proper stores. They even gave me a Selfridges card bag to put them in.
    Originally posted by joeyjimbles
    Hi JJ. That's one of the things I've been looking forward to, charity shops in London must be amazing. I will make sure I add these two to my ever increasing list.

    Tink xx
    LBM 11/08/15 - Total Debt Owing:- £10338.89 01/11/16 - £13996.57 01/12/16 - £13062.92
    DEBT 1 = £1143.93 DEBT 2 = £1073.00 DEBT 3 = £253.38
    DEBT 4 = £725.02 DEBT 5 = £166.10 DEBT 6 £1120.00
    DEBT 7 = £1324.59 DEBT 8 = £6325 DEBT 9 £2656.92
    • Tinkerbelle2000
    • By Tinkerbelle2000 18th Oct 16, 10:49 PM
    • 491 Posts
    • 1,539 Thanks
    Tinkerbelle2000
    Bless you Tink - the dark mornings and the cold aren't fun at all! You're doing so well and your London trip is just around the corner, something nice to look forward to
    Originally posted by Jumblerina
    Thank Jumblerina. I have been struggling a bit but yes the trip is keeping me going. I have had a headache since the weekend now. I think I'm just overtired. Recently had new glasses so I know its not that. I have been waking up earlier and earlier and my cough seems to be coming back too. Might have to go to the docs again.

    I can't remember whether I said or not, but my xray and sample have both come back clear so that is a weight off my mind.

    Tink xx
    LBM 11/08/15 - Total Debt Owing:- £10338.89 01/11/16 - £13996.57 01/12/16 - £13062.92
    DEBT 1 = £1143.93 DEBT 2 = £1073.00 DEBT 3 = £253.38
    DEBT 4 = £725.02 DEBT 5 = £166.10 DEBT 6 £1120.00
    DEBT 7 = £1324.59 DEBT 8 = £6325 DEBT 9 £2656.92
    • Tinkerbelle2000
    • By Tinkerbelle2000 18th Oct 16, 11:03 PM
    • 491 Posts
    • 1,539 Thanks
    Tinkerbelle2000
    Decisions, Decisions
    Be prepared, this could be long.

    Why is it that when I am having a good ole think about things I end up going MIA from here.

    I have had an idea mulling around in my mind for a couple of weeks now and finally discussed it with DD last night and she is all for it.

    So here goes. All being well after Christmas we are moving in with my mum. The all being well part is whether Mr D gets along with Miss B. Mr D is fine with other dogs where as Miss B can be a bit hit and miss. She has been attacked once so is very wary. Also she is so hyper whereas Mr D is so chilled. Going to start introducing them at the weekend on mutual ground. I've done a lot of reading on this but any tips from any experiences would be appreciated.

    The other thing is my mum is in a 3 bed council house with gardens, bonus, but she is worried that when something happens to her that DD and I wouldn't be allowed to stay there. The thing is that my family are the only ones to have ever live in this house. My nan and grandad moved into it when it was newly built. Then when my nan got dementia my mum moved in to look after her. So to set her mind at rest we are going to see the council tomorrow as apparently you can only change the lease once and that happened when my nan died. Surely they wouldn't just kick us out if I'm paying rent??

    I've started to worry about my mum a lot just lately. She keeps saying things like I've struggled to do this or I can't do that anymore. Also, I've found out that she doesn't have the heating on much in the winter as she can't afford it This angers me about all elderly people who are on a low budget.

    So if we moved in it would halve both our fuel costs and grocery costs. Also, I would be saving nearly £100 a month on dog walking, meaning I could reduce my debt free date dramatically. It would mean selling some of our furniture but a lot of it can be flat packed and stored in my mums loft.

    I didn't think I would ever live with my mum again, I lived with her when DD was 4 and it wasn't good. But that was because she tried to tell me how to raise her and her opinion was the only one that should matter. We have moved a long way since then and get on great and I know she gets lonely in the week. We do visit every weekend and I call her but its not the same.

    Now if only the dogs get on then we can start making plans. Please, please tell me I am doing the right thing lol. I've never really settled in this flat and I really miss having a garden too.

    Take care.

    Tink xx
    LBM 11/08/15 - Total Debt Owing:- £10338.89 01/11/16 - £13996.57 01/12/16 - £13062.92
    DEBT 1 = £1143.93 DEBT 2 = £1073.00 DEBT 3 = £253.38
    DEBT 4 = £725.02 DEBT 5 = £166.10 DEBT 6 £1120.00
    DEBT 7 = £1324.59 DEBT 8 = £6325 DEBT 9 £2656.92
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