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    • 12 month challenge
    • By 12 month challenge 27th Aug 15, 10:17 AM
    • 2,325Posts
    • 5,097Thanks
    12 month challenge
    My so called friend MR DEBT only has 36 months left to live
    • #1
    • 27th Aug 15, 10:17 AM
    My so called friend MR DEBT only has 36 months left to live 27th Aug 15 at 10:17 AM
    Hi all
    I feel I need to keep a diary to keep me on track to my goal. A little background info: Married for many years,2 grown up children(still at home, they've had it too good here)
    Lots of debt and nothing to show for it

    Anyway now I look forward not back.

    I hope I will find it easier if I write a diary and keep track of everything we do with our money. (or someone else's money if my CCs are anything to go by)

    I have been here before and totally fell off the debt busting wagon. Enough is enough now.

    Good luck all and me
    LBM August 2015 Credit Cards = 33,195.55
    Last edited by 12 month challenge; 03-08-2016 at 10:41 AM.
    SP 9#531=620/SP 10 # 531=?
    PDBX 2016 #2 = 16,766.67/12,000
    PDBX 2017 #2 = 1,200/12,000


    ''If you want the rainbow, you gotta put up with the rain''
Page 35
    • Bobarella
    • By Bobarella 18th Oct 16, 10:45 PM
    • 10,529 Posts
    • 67,726 Thanks
    Bobarella
    How irritating. Glad you are choosing to laugh it off.
    "You're not rich until you have something money can't buy."

    Debt neutral 27/03/17 from 40k in the hole 2012.
    Roadkill 17 53.62 2016-62.28 2015- 84.20)
    RYSAW17 1805.58 2016 2,535.16 2015 1027.20
    • 12 month challenge
    • By 12 month challenge 26th Oct 16, 12:16 PM
    • 2,325 Posts
    • 5,097 Thanks
    12 month challenge
    Skulking back in again

    Hi all

    Have been AWOL (again)

    How come I struggle to find time to update regularly. Must take this more seriously.

    Anyway have done yet another snowball, adjusting payments etc. as my DD is moving out and therefore I will lose her housekeeping money. I will be gaining in theory though as the amount of washing she makes and the amount of hot water she uses is like

    I will give myself some credit though, after doing a financial review I was pleasantly surprised as since starting my diary I have paid off 15,212.36 from my CCs

    I started at 33,195.55, Now sitting at 17,983.19
    Still a huge amount but at least its coming down.

    Have been feeling a little overwhelmed by it all again recently. Just wishing it would all go away but will keep plodding. I will be doing another weekly budget today and will be opening my sealed pot in the next couple of days to see how much I have managed to squirrel away for I already have some presents bought and paid for out of my own pennies so a bonus there too. I will be buying a new 1 tin ASAP ready to start again. Just adding small bits and bobs soon builds up as my tin feels quite heavy now.

    Onwards and Upwards, ready to tackle another 12 month challenge

    x
    SP 9#531=620/SP 10 # 531=?
    PDBX 2016 #2 = 16,766.67/12,000
    PDBX 2017 #2 = 1,200/12,000


    ''If you want the rainbow, you gotta put up with the rain''
    • Bobarella
    • By Bobarella 26th Oct 16, 11:12 PM
    • 10,529 Posts
    • 67,726 Thanks
    Bobarella
    You have done so so well 12 month it is hard now because you are in the middle of the process and the middle is never exciting. You have left the initial excitement of dealing with your debt far away and the finishing line is not yet in sight. Every penny you pay off is a massive step towards a better future. You have got this!!
    "You're not rich until you have something money can't buy."

    Debt neutral 27/03/17 from 40k in the hole 2012.
    Roadkill 17 53.62 2016-62.28 2015- 84.20)
    RYSAW17 1805.58 2016 2,535.16 2015 1027.20
    • Purplemumof2
    • By Purplemumof2 27th Oct 16, 6:44 AM
    • 4,448 Posts
    • 13,965 Thanks
    Purplemumof2
    That's a fantastic amount to pay off in a year, you put me to shame

    The finish line is certainly in sight.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 8000.00 Overdraft: 2750.00

    Lunches to work 0/25 AFD 0/18 10pw 0/5

    20p Savers 2017 2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Upsidedown Bear
    • By Upsidedown Bear 24th Dec 16, 6:04 PM
    • 17,472 Posts
    • 76,345 Thanks
    Upsidedown Bear
    Just dropping in to wish you and yours a very Happy Christmas and a wonderful, fun and debt busting new year



    The Devil whispered in my ear "You are not strong enough to withstand the storm".
    Today I whispered in the Devil's ear "I am the storm".
    Das ist der beste tag meines lebens
    Cheap Coffee Lover

    • 12 month challenge
    • By 12 month challenge 24th Dec 16, 11:41 PM
    • 2,325 Posts
    • 5,097 Thanks
    12 month challenge
    Just dropping in to wish you and yours a very Happy Christmas and a wonderful, fun and debt busting new year



    Originally posted by Upsidedown Bear
    Ahhh thank you Bear

    I am still around but have not been updating my diary . I find that I tend to write nonsense and therefore stayed away from it. Maybe I need to pick up where I left off. After all I am now about to begin a new 12 month challenge . Wow where did the year go Quite looking forward to starting again and seeing what difference I can make again.

    Have been plodding along in the background, still a little overwhelmed by it all again. I managed to make a difference overall with my payments and snowballing etc.

    Am still ever so determined to keep going however long it takes me. A DFW on this site has paid off over 103,000 and is now debt free
    There is hope for me yet

    Have been trying to get my head around YNAB I keep fiddling around with it and I think I may be getting the hang of it. I aim to wipe the slate clean as such, do a new budget for debts, groceries etc and begin the year with fresh new wheels on my debt busting wagon. And we're off

    OH has been ok too, we have been getting along nicely, I make it sound like it's all him . I too can be moody mainly about the debt situation and can moan at him unnecessarily. But things have been ok and I think we have both started to accept the situation and get on and tackle it together.

    Will update when I have my new 12 month challenge sorted

    Anyway enough about me, hope you and yours are having a lovely Christmas a happy new year and a a nice break.

    Thank you for your Christmas wishes
    X
    SP 9#531=620/SP 10 # 531=?
    PDBX 2016 #2 = 16,766.67/12,000
    PDBX 2017 #2 = 1,200/12,000


    ''If you want the rainbow, you gotta put up with the rain''
    • 12 month challenge
    • By 12 month challenge 25th Dec 16, 7:55 PM
    • 2,325 Posts
    • 5,097 Thanks
    12 month challenge
    Phew, another Christmas day done. its been lovely actually, quite relaxing and it's flown by. Just ate too much dinner and now I look 7 months pregnant (I can assure you I am not) Just chilling now watching Home Alone. Well apart from the neighbours who have decided to do some form of DIY

    Even managed a small sneaky payment to CC today. Rounded down account and thought why not. My CC doesn't care if its Christmas day or not

    I hope you have all had a lovely day and have enjoyed some lovely quality time with loved ones and had some delicious food.
    x
    SP 9#531=620/SP 10 # 531=?
    PDBX 2016 #2 = 16,766.67/12,000
    PDBX 2017 #2 = 1,200/12,000


    ''If you want the rainbow, you gotta put up with the rain''
    • Upsidedown Bear
    • By Upsidedown Bear 25th Dec 16, 8:05 PM
    • 17,472 Posts
    • 76,345 Thanks
    Upsidedown Bear
    Glad you've had a good day It's been good here

    Maybe your neighbours got DIY tools for Christmas and wanted to try them out
    The Devil whispered in my ear "You are not strong enough to withstand the storm".
    Today I whispered in the Devil's ear "I am the storm".
    Das ist der beste tag meines lebens
    Cheap Coffee Lover

    • 12 month challenge
    • By 12 month challenge 25th Dec 16, 8:33 PM
    • 2,325 Posts
    • 5,097 Thanks
    12 month challenge
    Glad you've had a good day It's been good here

    Maybe your neighbours got DIY tools for Christmas and wanted to try them out
    Originally posted by Upsidedown Bear

    I never thought of that, I'll let them off then.

    Just had a nice stroll with the dog too. Hes had too much turkey too A bit spooky as its like a ghost town out there. Everyone sitting stuffed in front of the TV I expect.

    A nice hot bath running and then to find something decent to watch on TV. DH is asleep on the settee I think he's worn out with all the Christmas preparations and cooking hes done. (not) Don't suppose I will find anything too exciting. Plenty of sale adverts on though, I will not be shopping in the sales I have a budget to stick too and sale or not I will be avoiding at all costs
    x
    SP 9#531=620/SP 10 # 531=?
    PDBX 2016 #2 = 16,766.67/12,000
    PDBX 2017 #2 = 1,200/12,000


    ''If you want the rainbow, you gotta put up with the rain''
    • Bobarella
    • By Bobarella 25th Dec 16, 9:37 PM
    • 10,529 Posts
    • 67,726 Thanks
    Bobarella
    12 month your diary is always a good read, really glad you are sticking around for another year
    "You're not rich until you have something money can't buy."

    Debt neutral 27/03/17 from 40k in the hole 2012.
    Roadkill 17 53.62 2016-62.28 2015- 84.20)
    RYSAW17 1805.58 2016 2,535.16 2015 1027.20
    • 12 month challenge
    • By 12 month challenge 25th Dec 16, 9:55 PM
    • 2,325 Posts
    • 5,097 Thanks
    12 month challenge
    Thanks Bob and well done you. You are doing amazing with your debt busting

    I will definitely be around for another year and maybe another and so on

    But there is light at the end of my long tunnel I am sure of it. It will just take time and I have to be patient.

    A poster the other day who paid off over 103,000 said their debt free journey was as times
    'like emptying a lake with a teaspoon'.


    I have my teaspoon at the ready and will be emptying my lake one spoonful at a time.

    Approaching my lake like this:

    A ship and a teaspoon

    A boat and a teaspoon

    A canoe and a teaspoon

    A raft and a teaspoon

    A lilo and a teaspoon

    Arm bands and a teaspoon

    Wellies and a teaspoon

    Finally a cloth to mop up the last few drops

    Lets hope it doesn't keep raining and refilling my lake
    x
    SP 9#531=620/SP 10 # 531=?
    PDBX 2016 #2 = 16,766.67/12,000
    PDBX 2017 #2 = 1,200/12,000


    ''If you want the rainbow, you gotta put up with the rain''
    • Bobarella
    • By Bobarella 25th Dec 16, 10:03 PM
    • 10,529 Posts
    • 67,726 Thanks
    Bobarella
    Brilliant words! So inspiring! I loved that story about the 103k clearance too, such a great tale wasn't it.
    "You're not rich until you have something money can't buy."

    Debt neutral 27/03/17 from 40k in the hole 2012.
    Roadkill 17 53.62 2016-62.28 2015- 84.20)
    RYSAW17 1805.58 2016 2,535.16 2015 1027.20
    • 12 month challenge
    • By 12 month challenge 25th Dec 16, 10:11 PM
    • 2,325 Posts
    • 5,097 Thanks
    12 month challenge
    You know that post really struck a chord with me. It proves that anything is possible. I must have read it 10 times and am so inspired by it.
    I am actually looking forward to the new year.
    I cant believe the year has gone already. Heaven knows where I would be if I hadn't had my LBM

    Onwards and upwards.
    x
    SP 9#531=620/SP 10 # 531=?
    PDBX 2016 #2 = 16,766.67/12,000
    PDBX 2017 #2 = 1,200/12,000


    ''If you want the rainbow, you gotta put up with the rain''
    • Upsidedown Bear
    • By Upsidedown Bear 25th Dec 16, 10:45 PM
    • 17,472 Posts
    • 76,345 Thanks
    Upsidedown Bear
    Lets hope it doesn't keep raining and refilling my lake
    x
    Originally posted by 12 month challenge
    This will keep the rain off you





    Goodnight
    The Devil whispered in my ear "You are not strong enough to withstand the storm".
    Today I whispered in the Devil's ear "I am the storm".
    Das ist der beste tag meines lebens
    Cheap Coffee Lover

    • 12 month challenge
    • By 12 month challenge 25th Dec 16, 10:51 PM
    • 2,325 Posts
    • 5,097 Thanks
    12 month challenge
    This will keep the rain off you





    Goodnight
    Originally posted by Upsidedown Bear
    Thanks Bear
    I will take this umbrella with me on my journey, just in case
    SP 9#531=620/SP 10 # 531=?
    PDBX 2016 #2 = 16,766.67/12,000
    PDBX 2017 #2 = 1,200/12,000


    ''If you want the rainbow, you gotta put up with the rain''
    • 12 month challenge
    • By 12 month challenge 26th Dec 16, 11:31 AM
    • 2,325 Posts
    • 5,097 Thanks
    12 month challenge
    Morning world

    I was up extra early today and have already decluttered 2 bedrooms. Why we kept some of the stuff I found heaven only knows. Mind you OH hates throwing anything away and would be a hoarder if I wasn't right behind him clearing out when he doesnt notice

    I have found a few bits that will be going on eBay and making a few extra pennies.

    I need to hoover bedrooms and the rest of the house. Washing done ironing done dog walked dinner prepared and my plan then is to have a relaxing afternoon and evening.
    DS is working so just myself and OH today. Nice and quiet afternoon.

    The sun is shining this morning I think that has helped my mood today

    Will be catching up on here and working on my new budget later.

    Hope you are all well and having a relaxing time too.
    X
    SP 9#531=620/SP 10 # 531=?
    PDBX 2016 #2 = 16,766.67/12,000
    PDBX 2017 #2 = 1,200/12,000


    ''If you want the rainbow, you gotta put up with the rain''
    • Bobarella
    • By Bobarella 26th Dec 16, 2:25 PM
    • 10,529 Posts
    • 67,726 Thanks
    Bobarella
    I really need to Hoover too. It's too crunchy in some rooms hoovering is something I struggle with. I do all the other dailies with ease but trying to get round with a Hoover and a baby who hates the Hoover isn't easy! However I do find a hoovered house very uplifting mentally. Like clean sheets. Not sure why. Well done on all your decluttering!
    "You're not rich until you have something money can't buy."

    Debt neutral 27/03/17 from 40k in the hole 2012.
    Roadkill 17 53.62 2016-62.28 2015- 84.20)
    RYSAW17 1805.58 2016 2,535.16 2015 1027.20
    • 12 month challenge
    • By 12 month challenge 26th Dec 16, 4:53 PM
    • 2,325 Posts
    • 5,097 Thanks
    12 month challenge
    I agree about the clean sheets, I wonder what it is.

    Have walked the dog again and will be sorting dinner soon. Just good old Bubble and Squeak tonight, Made from surplus veg and potatoes from yesterday. Very cold meat pickle etc. Nice and easy.

    Have DD and her OH coming tomorrow for a couple of days so we will have sort of a mini Christmas day again. I have enough food and drink so no extra groceries needed

    On the financial front I have been onto my mobile provider via chat, they keep badgering me to upgrade early but, as I want to move to a sim only deal they wont allow it until March unless I pay up the rest of my contract. Lots of persuasive techniques from them but I held out and said I will be back in March for a sim only as it works out less than half the price a month. Quite proud of myself And the fact that its taken me 2 years to get the hang of the phone I have got let alone starting again

    OH went to a sim only deal and pays 19.99 per month for unlimited texts, unlimited minutes and 16gb Data so I will certainly be waiting.

    Still haven't sorted a new budget yet. My plan is to keep an amount in a pot/envelope/purse at home to be used for essentials through the week. That way the bank account doesn't get dipped into. Anything left over in there will be made up to the same starting amount again at the end of the week therefore having to add less, thus leaving extra money in the bank ( I hope it works out like it does in my head)

    Very confusing I know but that's me all over

    Off to sort dinner as OH is hogging the TV with Sky Sports News Channel
    x
    SP 9#531=620/SP 10 # 531=?
    PDBX 2016 #2 = 16,766.67/12,000
    PDBX 2017 #2 = 1,200/12,000


    ''If you want the rainbow, you gotta put up with the rain''
    • hamiltoes
    • By hamiltoes 27th Dec 16, 10:45 AM
    • 41 Posts
    • 87 Thanks
    hamiltoes
    Just caught up with your diary, it's been my bedtime reading for the past few nights.

    What a journey you have had and what amazing progress you have made, truly inspiring! Wishing you all the best for 2017, I'll be following x
    • 12 month challenge
    • By 12 month challenge 27th Dec 16, 12:28 PM
    • 2,325 Posts
    • 5,097 Thanks
    12 month challenge
    Hi Hamiltoes and welcome aboard

    I hope you have patience as my journey is going to be a long one

    I am so determined to get to the end of my rainbow however long it takes me. I have got so much inspiration, advice and non judgemental support on this site I can't tell you everyone has been wonderful and I honestly don't know where I would be if I hadn't joined.

    I am finally starting to accept that Rome wasn't built in a day. My debt didn't appear overnight and so won't disappear overnight either.

    I have already put an amount of money in a tub in the cupboard, this is for essentials and only essentials through the week. We drew this out together as I need him on board too. My OH and I have put both debit cards in there too to remove temptation whilst out.

    We still have funds in the bank and my plan is to build up the funds in there and make as many overpayments to my debt as humanly possible

    When I named this diary I was a little over confident but hey ho my username is ok as I intend to tackle my debt in 12 month sections

    Thanks for reading about my struggles and achievements feel free to add any suggestions or advice it will be gratefully received
    X
    SP 9#531=620/SP 10 # 531=?
    PDBX 2016 #2 = 16,766.67/12,000
    PDBX 2017 #2 = 1,200/12,000


    ''If you want the rainbow, you gotta put up with the rain''
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