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  • FIRST POST
    • Tinkerbelle2000
    • By Tinkerbelle2000 20th Aug 15, 12:59 PM
    • 552Posts
    • 1,949Thanks
    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 24
    • kirtsypoos
    • By kirtsypoos 1st Jan 17, 12:38 PM
    • 2,856 Posts
    • 12,258 Thanks
    kirtsypoos
    Happy New Year Tink, hope all is well with you, DD and Mr D
    £835/3000 OH BC(72.16% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £835/31010.23 (97.30% paid)
    Mortgage - £162,900.00 (2017 O/P £1312.91) PAYDBX 17 #006 - £15264.59/14,539.71 Make £10 Apr £194.58 Make £10 May £159.75 Make £10 June £266.85
    • MuffinTops
    • By MuffinTops 23rd Jan 17, 8:05 AM
    • 2,097 Posts
    • 6,339 Thanks
    MuffinTops
    I miss your updates Tink. I hope you've been busy doing lovely things. MTxx
    STARTING 2017:
    Credit Card Debt: £2,650.00!!!
    ======================
    Saving For a New Property
    Pot of Gold = All gone to the above
    • doingitanyway
    • By doingitanyway 23rd Jan 17, 8:15 PM
    • 1,665 Posts
    • 7,547 Thanks
    doingitanyway
    Hope all is well. Like MT said...
    JANUARY 2016/SECURED DEBT=24,822/June 2017=8,800
    MORTGAGE FREE 25/07/16
    • RosaBernicia
    • By RosaBernicia 23rd Jan 17, 10:22 PM
    • 3,181 Posts
    • 8,115 Thanks
    RosaBernicia
    ^ what they said

    Happy new year hugs


    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 2nd Feb 17, 1:12 PM
    • 1,665 Posts
    • 7,547 Thanks
    doingitanyway
    I just decided to change my bullet journal so I have weekly tasks instead of monthly tasks and wondered how you manage this, but you are not here to ask!!
    missing you Tink and hoping all is well?
    DIA x
    JANUARY 2016/SECURED DEBT=24,822/June 2017=8,800
    MORTGAGE FREE 25/07/16
    • Tinkerbelle2000
    • By Tinkerbelle2000 5th Feb 17, 5:34 PM
    • 552 Posts
    • 1,949 Thanks
    Tinkerbelle2000
    Hello lovely people

    I'm so sorry I have been absent for quite a while. Belated Happy New Year to you all!!

    Everything is going good and we had a lovely quiet Christmas and New Year. Work has been crazy as clients tended to ignore reminders that there tax return deadline was 31st January so it was a few late nights to get it all done.

    I'm still studying and have an exam tomorrow and I'm no further in debt I will update my signature shortly with the new amount.

    I started a brand new bullet journal this year as I had a present from a lovely friend of a new notebook which I just couldn't resist using. I also got a nightie with Tink on, I couldn't believe it, I love it!!

    DIA I have my months listed on one page and then I just jot things down as they come into my head on the opposite page. It seems to be working better for me. I have also incorporated by budget journal into is as I had a separate one but wasn't good at managing both.

    So moving day is 7 weeks on Saturday, I have a week off in a couple of weeks so the dogs can spend more time together and also to get the sheds sorted out. I still have a lot of the things from the allotment which we will end up using in mums garden so that will be coming with me. Then I have another week off in April and we are moving at the start of that.

    DD's bedroom has been freshened up with a coat of paint and I still have the remaining paint left over from here that I did my room with so I'm going to add some white into it and freshen up my room. Unfortunately mums fridge stopped working on Friday and mine won't fit in hers so that was an expense she didn't need right now.

    I really hate living in this place now. What with noisy neighbours at all times of the middle of the night and all sorts of crap dumped outside the front doors. Also I keep cleaning the stairwell but its always a mess.

    I'm glad we are moving as I need the spare money now. We have prom coming up this year and also for DD's birthday this year I want to book her driving lessons. Prom is mostly sorted, dress is picked and make up and spray tan booked lol. Its working out cheaper than I thought it would which is a relief. I also would't mind a few days away somewhere but see how that goes.

    Well I'm glad to be back and I'm going to catch up on your diaries. Thank you for all still being here for me.

    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 = £104.63 DEBT 2 = £853.00 DEBT 3 = £297.41
    DEBT 4 = £725.02 DEBT 5 = £166.10 DEBT 6 £700.00
    DEBT 7 = £1324.59 DEBT 8 = £3150.00 DEBT 9 £22419.88
    • kirtsypoos
    • By kirtsypoos 5th Feb 17, 5:40 PM
    • 2,856 Posts
    • 12,258 Thanks
    kirtsypoos
    So pleased to hear from you Tink!!

    Glad you had a nice Christmas and New Year, and I'm really happy that moving into your mums is working out - especially with prom and driving lesson expenses
    £835/3000 OH BC(72.16% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £835/31010.23 (97.30% paid)
    Mortgage - £162,900.00 (2017 O/P £1312.91) PAYDBX 17 #006 - £15264.59/14,539.71 Make £10 Apr £194.58 Make £10 May £159.75 Make £10 June £266.85
    • MuffinTops
    • By MuffinTops 6th Feb 17, 12:03 PM
    • 2,097 Posts
    • 6,339 Thanks
    MuffinTops
    Yay to your diary updates. You've been so productive while you've been away.

    Good luck with the exam today.

    MTxx
    STARTING 2017:
    Credit Card Debt: £2,650.00!!!
    ======================
    Saving For a New Property
    Pot of Gold = All gone to the above
    • Tinkerbelle2000
    • By Tinkerbelle2000 6th Mar 17, 2:35 AM
    • 552 Posts
    • 1,949 Thanks
    Tinkerbelle2000
    Hello lovelies

    Well moving day is not long away. We have been busy getting our bedrooms freshened up at mums. DD's is ready now and mine nearly finished. I have done so many runs to the top I've lost count and lots has been hidden in the loft for now.

    We've even spring cleaned my mums shed and given it a quick paint so it's nice and cobweb free. I'm really looking forward to it so much now.

    A couple of weeks ago I wasn't well at all to the point DD had to call an ambulance. I ended up having a week off work. I went back in for three days and the doctor has signed me off for another two. Don't want to go into it too much but things aren't as great there as they were and my anxiety has rocketed. I'm not sleeping properly, hence the time, and if I'm honest I'm not eating properly either.

    I have started to apply for other jobs and was talking to my mums neighbour the other day who mentioned there are jobs going where she works so I have given her my cv today.

    Money is going to be so tight this month but my health has to come first.

    DD is taking her second mock exams in a week so I helped her to do a revision timetable for those then carried on to her final exams.

    I hope everyone has had a good weekend. I have caught up on a few diaries and will carry on with the rest tomorrow.

    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 = £104.63 DEBT 2 = £853.00 DEBT 3 = £297.41
    DEBT 4 = £725.02 DEBT 5 = £166.10 DEBT 6 £700.00
    DEBT 7 = £1324.59 DEBT 8 = £3150.00 DEBT 9 £22419.88
    • kirtsypoos
    • By kirtsypoos 6th Mar 17, 9:02 AM
    • 2,856 Posts
    • 12,258 Thanks
    kirtsypoos
    Sorry to hear you've been so unwell Tink, and that things are so rubbish at work. As always, I'm so pleased to hear from you though

    Exciting that the big move isn't too far away, hope all goes well

    K x
    £835/3000 OH BC(72.16% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £835/31010.23 (97.30% paid)
    Mortgage - £162,900.00 (2017 O/P £1312.91) PAYDBX 17 #006 - £15264.59/14,539.71 Make £10 Apr £194.58 Make £10 May £159.75 Make £10 June £266.85
    • doingitanyway
    • By doingitanyway 6th Mar 17, 9:55 AM
    • 1,665 Posts
    • 7,547 Thanks
    doingitanyway
    I am so pleased to see you back Tink. Sorry you have been unwell. When things are bad at work it makes life so difficult especially when we have debt and we don't have a partner to take the load as we feel more vulnerable. You are so right to prioritise your health. You are a great debt buster but that can wait. I love how close and supportive you are with your daughter. That's such a positive force that health and work being negative cannot alter. I hope this is a good week for you. DIA x
    JANUARY 2016/SECURED DEBT=24,822/June 2017=8,800
    MORTGAGE FREE 25/07/16
    • Tinkerbelle2000
    • By Tinkerbelle2000 6th Mar 17, 11:37 AM
    • 552 Posts
    • 1,949 Thanks
    Tinkerbelle2000
    Hi Kirsty and DIA.

    Kirsty - I'm on page 54 of your diary so I will post when I get to the end. What a rollercoaster you've been on. Big hugs to you and OH.

    DIA - I must admit although I have made the decision to stay permanently single I miss having someone to shoulder some of the day to day responsibilities. I'm also tired of struggling but hopefully this time next year I will be DF.

    I forgot to say last night that my debts are under £10k!! My auntie who lent me the majority of money I owe has said that as I have continuously paid for quite a while she is knocking £3k off the total. I'm so pleased and will buy her a big bunch of flowers when I get to the end of paying.

    I will update my signature later with the right figure.

    Tink xx
    LBM 11/08/15 - Total Debt Owing:- £10338.89 01/11/16 - £13996.57 01/12/16 - £13062.92
    DEBT 1 = £104.63 DEBT 2 = £853.00 DEBT 3 = £297.41
    DEBT 4 = £725.02 DEBT 5 = £166.10 DEBT 6 £700.00
    DEBT 7 = £1324.59 DEBT 8 = £3150.00 DEBT 9 £22419.88
    • kirtsypoos
    • By kirtsypoos 6th Mar 17, 12:59 PM
    • 2,856 Posts
    • 12,258 Thanks
    kirtsypoos

    I forgot to say last night that my debts are under £10k!! My auntie who lent me the majority of money I owe has said that as I have continuously paid for quite a while she is knocking £3k off the total. I'm so pleased and will buy her a big bunch of flowers when I get to the end of paying.

    I will update my signature later with the right figure.

    Tink xx
    Originally posted by Tinkerbelle2000
    That's amazing Tink! What a wonderful gesture
    £835/3000 OH BC(72.16% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £835/31010.23 (97.30% paid)
    Mortgage - £162,900.00 (2017 O/P £1312.91) PAYDBX 17 #006 - £15264.59/14,539.71 Make £10 Apr £194.58 Make £10 May £159.75 Make £10 June £266.85
    • doingitanyway
    • By doingitanyway 6th Mar 17, 5:14 PM
    • 1,665 Posts
    • 7,547 Thanks
    doingitanyway
    Great news on your debt reduction Tink
    JANUARY 2016/SECURED DEBT=24,822/June 2017=8,800
    MORTGAGE FREE 25/07/16
    • RosaBernicia
    • By RosaBernicia 6th Mar 17, 7:37 PM
    • 3,181 Posts
    • 8,115 Thanks
    RosaBernicia
    Hi Tink

    Great to hear from you, sorry to hear you've not been well but hope things get better. Lovely news on the move and your debt reduction!


    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
    • MuffinTops
    • By MuffinTops 6th Mar 17, 8:18 PM
    • 2,097 Posts
    • 6,339 Thanks
    MuffinTops
    You deserve to be happy Tink. I'm always here when you need to talk xx
    STARTING 2017:
    Credit Card Debt: £2,650.00!!!
    ======================
    Saving For a New Property
    Pot of Gold = All gone to the above
    • Tinkerbelle2000
    • By Tinkerbelle2000 9th Mar 17, 8:29 PM
    • 552 Posts
    • 1,949 Thanks
    Tinkerbelle2000
    Thank you everyone.

    Yesterday wasn't a good day and didn't do much. Today has been much more productive. I've applied for another 4 jobs so that's 12 in total. I've also helped DD with her CV today and she has applied for three apprenticeship roles.

    I had a visit today from someone from the council. He is seeing everyone who will swap over onto Universal Credits. I was a bit shocked to hear that we have to visit the job centre. I'm not sure if he said every week or every month so that they can see if we are progressing in our careers and earning the most that we can. He is calling back tomorrow. I was also shocked to find out that when we moved into our flat, because of our circumstances we could have had all the carpets paid for and all the white goods in the kitchen as well. It is something there on the site that is available but if you don't know you don't get I guess. The council knew my situation when I moved in so surely it should have been offered to me. They even visited me 6 weeks later when we still didn't have some of the carpets!! Oh well its done now.

    We've walked the dogs again today and this time there was no growls from my mums dog. They even ended up getting a bit closer on their own so I'm hoping this is all positive. This is the only hurdle we have now before we move.

    I'm pleased to say that with the lovely help from my Auntie my debt is now under £8k. It stands at £7691.02!! That is the lowest it has been in a very long time and if I've worked it out correct about 34%.

    I was worried how I would be paying for everything while I'm off sick but the guy who visited today said I could claim some more housing benefit so he is going to help me with that too.

    Hope everyone is having a good week.

    Tink xx
    Last edited by Tinkerbelle2000; 09-03-2017 at 8:38 PM.
    LBM 11/08/15 - Total Debt Owing:- £10338.89 01/11/16 - £13996.57 01/12/16 - £13062.92
    DEBT 1 = £104.63 DEBT 2 = £853.00 DEBT 3 = £297.41
    DEBT 4 = £725.02 DEBT 5 = £166.10 DEBT 6 £700.00
    DEBT 7 = £1324.59 DEBT 8 = £3150.00 DEBT 9 £22419.88
    • doingitanyway
    • By doingitanyway 9th Mar 17, 8:35 PM
    • 1,665 Posts
    • 7,547 Thanks
    doingitanyway
    Sorry to hear you were not told about possible help at the time you needed it, hope you get the help you need now
    JANUARY 2016/SECURED DEBT=24,822/June 2017=8,800
    MORTGAGE FREE 25/07/16
    • Tinkerbelle2000
    • By Tinkerbelle2000 9th Mar 17, 8:39 PM
    • 552 Posts
    • 1,949 Thanks
    Tinkerbelle2000
    Thanks DIA, I'm hoping I can move into my mums with a clean slate.
    LBM 11/08/15 - Total Debt Owing:- £10338.89 01/11/16 - £13996.57 01/12/16 - £13062.92
    DEBT 1 = £104.63 DEBT 2 = £853.00 DEBT 3 = £297.41
    DEBT 4 = £725.02 DEBT 5 = £166.10 DEBT 6 £700.00
    DEBT 7 = £1324.59 DEBT 8 = £3150.00 DEBT 9 £22419.88
    • doingitanyway
    • By doingitanyway 13th Mar 17, 2:07 PM
    • 1,665 Posts
    • 7,547 Thanks
    doingitanyway
    Hi Tink,

    I know you have been feeling low lately so just just checking in to see how you are doing?
    Is there any movement on the jobs front?

    Take care
    DIA x
    JANUARY 2016/SECURED DEBT=24,822/June 2017=8,800
    MORTGAGE FREE 25/07/16
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