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  • FIRST POST
    • reality_check
    • By reality_check 25th Jan 16, 3:39 PM
    • 380Posts
    • 614Thanks
    reality_check
    Reality Check...
    • #1
    • 25th Jan 16, 3:39 PM
    Reality Check... 25th Jan 16 at 3:39 PM
    I need to start writing this diary while I have the motivation to do so! I have been a lurker for a while and reading all the diaries inspire me and I always think "I wish I could sort out my debt" well....today is the day!

    I have buried my head in the sand for too long and it really is time to get a reality check!

    I have done a quick total of my current debt and it is as follows:

    Credit cards: £9817.86 of a possible £13300
    Overdraft: £1857.77 of a possible £2500
    Student loan: £11600.85
    Loan from family memeber: £7000
    Mortgage: £68213.30

    Total: £98489.78!!

    Credit cards and overdrafts are my main priororty, student loan is automatically deducted from my wages and family loan doens't need paid back ASAP, but would rather get that paid sooner rather than later.

    I live with my daughter and 2 dogs, I will list my incomings and outgoings later today....I have tried to cut back to the bare essentials, but a lot of my recent debt has come from renovating my house and generally living beyond my means and going a bit OTT at christmas!

    I am hoping this diary will help hold me accountable for my spendings and get me on the right path to living debt free!!

    Fingers crossed!! xxx
Page 23
    • reality_check
    • By reality_check 14th Sep 16, 12:51 PM
    • 380 Posts
    • 614 Thanks
    reality_check
    Pay slip is in! I really have taken my eye off the ball with lunches, going over food budget and general buying thigs recently....back on it!

    Borrowed money from 'Pay my Dad back fund' for overspends/car repairs. I really can't keep this up and be using it as an emergency overdraft. Paying Peter by robbing Paul!! Have paid back what I owe and back to £1000/£7000 paid back.

    This month my debt is reducing by £200...not great! But I will be looking like a new woman and sunning myself in the Maldives, can't have it all! But that is me done with extravegant treats for myself for the year!!

    I have put money aside for going away, topped up the petrol and food fund, food budget MUST stay on track this month and get eating out the freezer once and for all!! I have put £200 into the Christmas fund pot, could have paid off debt, but I need to buy presents at Christmas at some point unless Christmas is cancelled this year, so may aswell get organised as much as I can.

    This is a tight month so no room for disasters aka car repairs!! And apart from going away I need to stay at home/find free activities to do.

    Is it wrong that I am starting to count down the days until I am paid in October....wishing my life away!!
    • milasavesmoney
    • By milasavesmoney 14th Sep 16, 3:17 PM
    • 1,599 Posts
    • 12,719 Thanks
    milasavesmoney
    I had to look up tiger bread. It's not something I had ever heard of before. Sounds yummy. I'm glad it's not on our shelves here or I'd have a new vice.

    You will remember the Maldives and that you looked good. You will not remember that you didn't overpay this month.

    How is your mom?

    Has DD returned from SF and if so how was her trip?

    DS should be contributing to the grocery bill. Just saying...
    Nov $69/$500 ~~ 3/6 EF #46 $11,273/$15,000 ~~ Xmas/Bday 2016 $3002/$6500 ~~ WL 2016 ~15 lb
    • reality_check
    • By reality_check 16th Sep 16, 3:37 PM
    • 380 Posts
    • 614 Thanks
    reality_check
    Hey Mila, My mum is much better, thanks for asking. Tiger bread is dangerously addictive so maybe a good thing you can't get your hands on it. My daughter got back last night, straight to her bfs after a quick shower and change so not had a proper chance to hear all about it...I will soon enough I'm sure, but she loved it.

    I'm not going to take any money from my DS as he is desperate to save up and get his own place. I have told him that he must be saving and give me the money to put aside for him as I certainly won't be paying for everything when he has a large disposable income to spend! So providing he is saving he is off the hook with the amount he's costing me in food! Making a massive bowl of soup and bulking his meals with potatoes, rice, bread and butter etc seems to be helping.

    Do you have any weekend plans? I don't have any, going to try not spend a penny.............

    xx
    • milasavesmoney
    • By milasavesmoney 16th Sep 16, 6:46 PM
    • 1,599 Posts
    • 12,719 Thanks
    milasavesmoney
    Oh good that DS has a plan!

    Nothing planned here but date night tomorrow....dinner and a movie with my hunky DH.
    Nov $69/$500 ~~ 3/6 EF #46 $11,273/$15,000 ~~ Xmas/Bday 2016 $3002/$6500 ~~ WL 2016 ~15 lb
    • roomontheend
    • By roomontheend 17th Sep 16, 6:03 PM
    • 390 Posts
    • 1,636 Thanks
    roomontheend
    Pleased to hear your Mum is feeling better. I managed to get my two tyres done which I had budgeted £150 but manage to get them for £90. They aren't as good as the Michelin posh ones but still safe. He said they would only last half the time but hopeful I will be almost debt free by the time I need new ones. We are spending the weekend doing work on the house and chopping wood for the winter. We have central heating but we try to use the open fire on its own as the weather starts to change and both when the weathers bad. This help keep the fuel bill down and you can't beat a real fire.
    Official DFW Nerd Club - Member no. 832 - Proud to be dealing with my debts
    Total debt feb 2012 = £54354.11
    Paid = £22641.01 Current = £31713.10
    Paid = £32464.73 Current = £21889.38
    • Seasidegal58
    • By Seasidegal58 25th Sep 16, 5:33 PM
    • 495 Posts
    • 2,476 Thanks
    Seasidegal58
    Hi there reality_check

    Not sure if you have wafted away to the Maldives yet but thought I would pop in. Have read your diary and really enjoyed it. Have subscribed.

    Though you are quite a bit younger than me quite a few things about your life resonated with me. You've done fabulously in reducing your debt and still enjoying life's little luxuries. It's great that you've had your lightbulb moment and started while you are young enough to kick it into the ether and plan and enjoy your future.

    Also pleased to read that your mum is doing well and being pampered!
    Finally Debt Free! - July 2016
    Scrimpy Goal - Emergency Fund - £10,000
    Currently: £6027.22 (25/11/2016)

    My debt free diary - " Paid off the £31,000 - BUT still scrimping!"

    NST: December 2016- NSDs: 1/15
    • reality_check
    • By reality_check 4th Oct 16, 6:49 PM
    • 380 Posts
    • 614 Thanks
    reality_check
    I'm back! Had a lovely relaxing holiday and didn't really spend a penny. It was beautiful, my tan was topped up and I ate far too much lovely food and most def drank far too much than the recomended daily limit!! We were all inclussive so all food and drinks included, airport lounge with a free bar, free drinks on the flight and all I realy spent was money tipping the hotel staff. That's the good news.

    Good news but really should be bad news...I have spent the money that I never spend on holiday plus my monthly 'pocket money' plus my £200 Christmas fund has been spent!! so £700 gone just like that. I went to Scotland to see my marine, had such a good time, we stayed over 2 nights at Gleneagles, if you've never been try and go at some point, it is just bliss and absolute luxuary. The spa and restuarant were amazing. Also stayed a night in Edinburgh as we had a wedding, Scottish people do know how to throw a party!!

    More bad money knews...I spent £290 in the White Company. I got such a beaitful throw for my bed and 2 cushions, some of the Winter oils that you put in an oil burner and I bought myself a cashmere cosy jumper in the sale. I then didn't stop there....found lovely Ralph Lauren bedding in TKMAXX for £80 should have been £270, £80 is the going rate for decent bedding so £270 would just be for the name as it isn't exceptonal but it is great quality and good value for money. I also then spent £25 said should have been £70 on 800 thread count bed sheets....I feel like I'm lying on silk!! I bought 4, but the boy serving me was young and new, the shop was busy and I (not delibertly) ended up distracting him by going on about the price of a Christmas decoration, he only scanned 1...I never pointed out my mistake so probably going to the bad fire!! I only realised walking away the total didn't add up......would you all have went back and paid up?!

    I have been to the shops today, fresh fruit and veg bought, plenty meat to be eaten and rice, pasta etc so in the next 2 weeks all I should need is bread, milk, something for sandwiches and tins of tomatos as forgot them today and maybe some more fruit...I need to refocus!! I bought a sack of potatoes from Farmfoods for £2.99 and massive sack of onions for £1.50!! Need to find plenty onion and potato recipes....

    My sister has borrowed £300, this is from the pay my Dad back fund, told her I need it back by the end of December...she said she will before end of November, but I won't hold my breath, we'll see.

    The real bad news is my mum was back in hospital, she got out yesterday and is feeling much better. She went in with the same pains, but turned out she was fine and all clear, kept her in for a few days for observation and she picked up bloody MRSA!!! But good news is she's out and feeling better.

    Nothing much else to update on, but I am back with my money saving head on. I even switched my gas the other day, still with British Gas but no cancelation fee as was to another tarrif, is £1 a month cheaper but locked in for a longer period which Martin Lewis recommended as prices have been increasing and I get £15.00 cash back!

    Hope you're all well xx
    Last edited by reality_check; 04-10-2016 at 7:41 PM.
    • reality_check
    • By reality_check 4th Oct 16, 7:42 PM
    • 380 Posts
    • 614 Thanks
    reality_check
    Thanks for reading Seasidegal, when you're finished with Lady Luck, point her in the direction of Liverpool please!!
    • reality_check
    • By reality_check 4th Oct 16, 7:46 PM
    • 380 Posts
    • 614 Thanks
    reality_check
    p.s Since I am owning up about my out of control spends I also treated myself to perfume....as if I deserve a treat or need perfume!! 10% in Boots but was still £86 on Flowerbomb. I nearly also bought another one, being either Alien, Estee Lauder Muse and Armani Si intense but in amongst my deliberation thankfully my brain had a slight thought back to my debt and decided on only one!!
    • reality_check
    • By reality_check 4th Oct 16, 7:59 PM
    • 380 Posts
    • 614 Thanks
    reality_check
    Had a quick look on my online banking and providing I don't spend another penny, literally...I have about £1.06 until the 15th in order to not go over budget, but with food and a full tank of petrol it is possible.

    So in the end I have had a right good old summer when I probably shouldn’t have, but life is for living, to some extent. The £700 I’ve spent could have went to my debt but I have made some memories along the way so I can forgive myself. I do believe that experiences are greater than processions so doesn’t really cover my expensive bedding or perfume or a jumper…but you can’t win them all!! Not making excuses for my spending (well I sort of am…) but I won’t be beating myself up about it. Onwards and upwards!! xx
    • monz
    • By monz 5th Oct 16, 9:10 AM
    • 1,951 Posts
    • 4,095 Thanks
    monz
    You are entitled to a treat once in a while so enjoy it x
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida 2017 saving £2,698.95 (shd be £2,778.93/£80 short)
    Gym 0/15 Dec
    house deposit £3,500.02/10,000
    Xmas 2017 - 8/365 No.35
    • reality_check
    • By reality_check 6th Oct 16, 12:47 PM
    • 380 Posts
    • 614 Thanks
    reality_check
    Thanks Monz!

    Yesterday was a ZERO spend day! It was only me home for dinner and I finally ate that chickpea curry I made about 4 months ago. I really need to get this freezer empty, but with no money until pay day this is the perfect opportunity.

    I have £2.03 in my purse and 14p in the bank with 9 days until pay day.
    I am working 6 days this week to cover someone's Saturday but she doesn't work Friday's so I have a 4 day at the end of the month when she works this time back for me. I don't have plans this weekend apart from meeting my friend for a walk on Sunday and probably go to the gym...free activities needed and my liver needs a rest.

    I love it now the dark nights are here, heating on, candles on and nice cosy throws and blankets wrapped around you watching tv. Making shepphards pie tonight, going to try half with butternut squash mash since I have one to use up and will do the other half normal mash for DS who will turn his nose up at the butternut squash I'm sure. xx
    Last edited by reality_check; 07-10-2016 at 2:49 PM.
    • reality_check
    • By reality_check 7th Oct 16, 9:58 AM
    • 380 Posts
    • 614 Thanks
    reality_check
    Managed another no spend day yesterday I also counted some loose change in my car and I have added £2.85 into my pay day survival fund.

    Last night I switched my mum and dad from BT to Virgin and saved them over £50. Didn't realise how much they were paying for such little service. They have been with BT for years and always just stay with them, but loyalty doesn't pay these days. At the end of the call it just came in my head to ask if I would get anything for recommending them, and we both got £50 credited to our accounts Another bonus with the switch over was that Virgin contact BT and cancel so you're not left with the annoying retention staff trying to keep you.

    I forgot all about a charity night tonight I said I'd go to about 2 months ago, but hadn't heard anything about it until my friend txted me last night. It is her husbands brother holding it so I don't feel too bad not going now...I can't afford it, and really can't be bothered especially as working tomorrow.

    I don't have the Friday feeling knowing I am back in work tomorrow!! My daughters bf has downloaded the new Bridget Jone's film onto the firestick. so that's my Friday night sorted. I have heard great reviews and I am not the biggest cinema fan, prefer being at home in my pyjamas, which isn't a bad thing as the cinema is an absolute fortune!

    I have typed this message up 3 times and keeps disappearing!!!
    Last edited by reality_check; 07-10-2016 at 10:25 AM.
    • Seasidegal58
    • By Seasidegal58 7th Oct 16, 9:31 PM
    • 495 Posts
    • 2,476 Thanks
    Seasidegal58
    Sorry to hear about your mum's relapse RC but hope she's well on the way to recovery. Great news that you've saved mum and dad some money as well.

    I'm a White Company fan too. Got home today and found they had sent me one of their VIP vouchers for 15% off. But I'm not succumbing!! Mind you I love their nightwear so a request will be going on my list to Santa this year!

    You sound like you had a wonderful time in Scotland. Lovely memories to cherish.

    ....and no I don't think I would have gone back to TKMAXX either!
    Finally Debt Free! - July 2016
    Scrimpy Goal - Emergency Fund - £10,000
    Currently: £6027.22 (25/11/2016)

    My debt free diary - " Paid off the £31,000 - BUT still scrimping!"

    NST: December 2016- NSDs: 1/15
    • Poor_Single_lady
    • By Poor_Single_lady 7th Oct 16, 10:35 PM
    • 457 Posts
    • 1,080 Thanks
    Poor_Single_lady
    I wouldn't have told the shop either. I know this doesn't help the situation but you sound like you have great taste! Hope your mum feels better. Its so hard when they are poorly. xx
    Debt at June 2016 £14,600
    2017 pay off loan and first credit card
    Have less debt and be happier
    • reality_check
    • By reality_check 8th Oct 16, 10:29 AM
    • 380 Posts
    • 614 Thanks
    reality_check
    Those vouchers always get me, we just need to stay strong!!

    PSL - I just read ideal home magazine and look at made up looks on The White Company or Laura Ashley and buy complete rooms, so my good taste is really down to all those interior designers, but I do of course pass it off as my own...

    Being in work on a Saturday is awful! Normally I would have treated myself to a bacon roll and coffee since it’s Saturday but my budget does not allow for that £3 luxury. Everyone who works on a Saturday normally order lunch in from the local pub or go out and get something but I am here with my homemade rice. Made a big batch the other day of rice, mixed veg that has been in my freezer since forever! With some garlic, ginger, chilli and soy sauce added – it’s really nice. Which is a good thing as I have another 3 portions for the freezer for lunches next week.

    I fell asleep last night at 8.30!! So no Bridget Jones, but I was wide awake from 5.15 this morning so got up and done all my housework, 2 washings done and changed my bedding. I normally do a big deep clean on a Saturday morning so glad I got this out the way and won’t need to spend my one day off cleaning.

    Tonight I am having fish fingers, homemade chips, peas and bread and butter. I don’t have this often but love it when I do, and it is part of my get the freezer emptied and not buying any more food plan. Only thing is I have ran out of ketchup. So I have resorted to taking some free sachets from the canteen in work…what has my life become!!! Saving my last few pounds for fresh fruit and veg from Lidl tomorrow. I have about £4 so that will stretch to some apples, bananas, carrots and lettuce. Determined not to use my overdraft or dip into the money I have aside to pay my Dad back, really can’t keep doing this like I have past few months, will never get rid of debt this way!!

    Hope you all have lovely weekends xx
    • Seasidegal58
    • By Seasidegal58 8th Oct 16, 7:57 PM
    • 495 Posts
    • 2,476 Thanks
    Seasidegal58
    You're doing really, really well - and I think your homemade rice dish sounds rather yummy!
    Finally Debt Free! - July 2016
    Scrimpy Goal - Emergency Fund - £10,000
    Currently: £6027.22 (25/11/2016)

    My debt free diary - " Paid off the £31,000 - BUT still scrimping!"

    NST: December 2016- NSDs: 1/15
    • reality_check
    • By reality_check 9th Oct 16, 4:14 PM
    • 380 Posts
    • 614 Thanks
    reality_check
    How annoying when you type something on this site and it vanishes!!!!!

    I still never got round to watching Bridget Jone's was asleep just after 9, don't know what's wrong with me, I am normally more of a night owl. I considered going to bed about 7 but had to force myself to stay up as I would have been up wide awake about 4am.

    I decided to give Lidl a miss and still have that massive amount of £4.05 untouched!! Looked at what I have and still have carrots, potatoes, onions, 2 peppers, corn on the cob, mini corn, sugar snap peas, cabbage, lettuce and tomatoes in the fridge and frozen leeks, broccoli, peas and sweetcorn!! And have apples, oranges plus a pineapple that is rock solid so still not ready to eat. We always have a roast on a Sunday and Lidl do a small chicken for £2.35 which I bought last week and was surprised at how I didn't notice the difference from the large one at £5 I normally buy. Anyway, that would have involved spending...so I made a poor mans roast. We had everything a normal roast would have, mash, roast pots, roasted carrots, peas and cabbage with yorkshire pudding and gravy, but we had it with sausages. I used to make this often years ago and everyone enjoyed it and they still did today.

    Since I haven't been shopping last week or planning to this week we have no treats/snacks in the house. It would just be a moan waiting to happen, even thought they are big enough and ugly enough to buy their own! But I made flapjacks, cupcakes and brownies all with stuff I had it so that will keep them quiet and have some rubbish to eat when they want it. I also made a pot of soup for everyone to take as lunches this week, told DS he will need to buy bread as I am not going to the shops and there is plenty tuna or cheese that he can use to make sandwiches for work if he wants them. Dinner is even made for tomorrow - shepherds pie so I am feeling like a Domestic Goddess.

    Went a big walk with my friend this morning, 5 miles there and 5 back so that is my exercise covered. My dog can't move, he is so tired! He was off the lead so if we walked 10 miles he def done double if not more as was running about all over the place. It was such a nice crisp morning today. I am still surprised at how mild it is! I have had my heating on recently in the evening but I still had a washing hanging out today.

    I took a dress back to one of the collect plus points today so that is £30 in the bank when that clears. It arrived too late for going away, plus looks horrific on me. I need to remember I am not 5'11, early 20's or a size 0 like that Zara model...I am more mid 30's, 5'3 and size 10. At least it is money back so I should be happy I don't love it

    I am popping round to my friends later for a cup of tea and cake - she bakes non stop and always has the nicest cakes whenever you visit, perhaps this is why I am not a size 0... Better go sort out a washing and need to steam all my floors - a womans work is never done lol

    Monday tomorrow xxx
    Last edited by reality_check; 09-10-2016 at 4:17 PM.
    • Poor_Single_lady
    • By Poor_Single_lady 9th Oct 16, 4:36 PM
    • 457 Posts
    • 1,080 Thanks
    Poor_Single_lady
    Oh I see. I think I will check this magazine out in the new year. I have no eye for design, my bedroom and living room need a whole load of work.
    I love that feeling after cooking, it always makes you want to cook more. I love having all the meals planned and sorted, makes everything easier. Big well done. xx
    Debt at June 2016 £14,600
    2017 pay off loan and first credit card
    Have less debt and be happier
    • reality_check
    • By reality_check 10th Oct 16, 10:39 AM
    • 380 Posts
    • 614 Thanks
    reality_check
    On track for another no spend day, brought everything I need with me to work so won’t be buying anything here and don’t need to buy anything from shops. Couldn’t force myself to get up this morning so gave the gym a miss, might go tonight if I can be bothered…we’ll see.

    Found 15p in my bag so my total is now up to £4.20!! Pay day is on Saturday – can’t wait!! Hopefully pay slips will be on in the next few days to see how much I'm getting paid.

    Last night I went to my friends, came home, opened the front door and my house was smelling amazing. I knew the smell right away… Jo Malone Pomegranate Noir. I went charging up the stairs my DS was running himself a bath and had tipped about a quarter, if not more, of the bottle in!!! When I use the oil I am so tight and add 1 or 2 capfuls since that’s all that’s needed plus costs over £50 a bottle. He couldn’t believe I was shouting over some bubble bath…I was probably a bit over the top, but still!! Told me he would buy me some more, until he found out the price!! Offered me his bath but I told him to enjoy his £20 bath!! I am over it now….just! But just thought I would let out some steam on here!!

    Happy Monday everyone!!
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