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  • FIRST POST
    • reality_check
    • By reality_check 25th Jan 16, 3:39 PM
    • 638Posts
    • 1,279Thanks
    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 37
    • reality_check
    • By reality_check 8th Jul 17, 10:41 AM
    • 638 Posts
    • 1,279 Thanks
    reality_check
    I feel like it should be mid afternoon, I have been wide awake since 3am, then decided to get up at 4 this morning!!! I just couldn't get comfy and OH had been out for a few drinks last night which then means he snores, and that was driving me up the wall so I just got up!! On the plus size my house is gleaming!! I have cleaned everywhere, washed the windows (much to my daughters delight when I was banging about in her room opening the blinds and window at 8am), oven cleaner in as we speak (back to good old Oven Pride) and OH is going to do the skirting boards everywhere since bending is a slight issue! He has just made us a fry up so had that and a little sit down, then I am taking everything out of each cupboard in the kitchen and give them all a good bleach

    I have tasked OH with power washing outside, touching up some paint in the hall and living room and hoovering the grass - artificial grass, we've not completly lost it! He must be loving me today! Also need to wait on my bedding coming out the tumble dryer so I can iron it and put it back on.

    Tonight we are going on a little date night, going for dinner and to see a stand up comedy show, so looking forward to that. Tomorrow will be a day of 100% relaxing since the house is all clean and tidy and OH's and my parents are coming over for a roast dinner. OH will be paying for tonight and I will either send him to Lidl tomorrow or I'll go, but whoever goes will only be about £5 max on some flour for yorkshire puddings and a few extra veg. A money saving weekend - well for me anyway lol

    Hope you have a lovely weekend everyone x x x
    Last edited by reality_check; 08-07-2017 at 10:43 AM.
    25/01/2016 £18,675.63
    Current debt: £8,450
    • Poor_Single_lady
    • By Poor_Single_lady 8th Jul 17, 11:08 AM
    • 1,000 Posts
    • 3,659 Thanks
    Poor_Single_lady
    I was thinking about you and the laptops this week. I think whatever you do you wouldn't feel good. It's
    Unwinnable.
    But how kind of you to replace both. That's very special.
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • louby40
    • By louby40 8th Jul 17, 6:08 PM
    • 1,079 Posts
    • 2,996 Thanks
    louby40
    Sounds like you're nesting with all that cleaning! Exciting times.
    Parent loan PAID IN FULL Sealed Pot Challenge 10 #572
    Emergency fund £500/£1000. Christmas savings £400/£600
    Kitchen July £12,493 SEPT £11,493. 12% paid off
    Barclaycard £442
    Car loan £3278 Mortgage £96,197
    • reality_check
    • By reality_check 9th Jul 17, 7:12 PM
    • 638 Posts
    • 1,279 Thanks
    reality_check
    Never mind nesting, I thought we nearly had a baby in our hands last night! We had just went to bed and then I got theeee worst cramping feeling in my stomach, I thought I was about to go into labour! Had a late night trip to A&E, spent 6 hours there and then we were able to come home this morning. Everything is well, and no idea what it all was, but I am relieved we don't have a baby, yet! My poor OH was great even with me hysterically crying that we never had a car seat and how I haven't had my baby shower yet needless to say he's a bit terrified for the real deal if that was me during a trial run!

    Sunday lunch was put on hold due to us having basically no sleep. So today I have spent it napping, reading, went out for some brunch and I am about to have a shower, get my pyjamas on, order a dominos and eat my weight in chocolate for the rest of the evening.

    Can't be bothered with work tomorrow, but not long until I finish up and I have my baby shower this weekend! xxx
    25/01/2016 £18,675.63
    Current debt: £8,450
    • louby40
    • By louby40 9th Jul 17, 7:47 PM
    • 1,079 Posts
    • 2,996 Thanks
    louby40
    Oh wow RC I wonder what it Was! At least baby is safe and sound where it should be!
    Parent loan PAID IN FULL Sealed Pot Challenge 10 #572
    Emergency fund £500/£1000. Christmas savings £400/£600
    Kitchen July £12,493 SEPT £11,493. 12% paid off
    Barclaycard £442
    Car loan £3278 Mortgage £96,197
    • hannahroberts1985
    • By hannahroberts1985 9th Jul 17, 8:08 PM
    • 737 Posts
    • 1,060 Thanks
    hannahroberts1985
    The way I understand available credit is its favourable you use between 40-50% that's available to you. So keeping it open would probably improve your rating....if you have the self control not to spend it. Sometime if you have 0 balance this can effect your lending too as they lend to make money from interest payments. !!!!!!s!

    Fair play on the laptops. Your money your choice. Such a nice thing to do for her bf too really shows that you respect him and welcome him into the family. I bet he feels very thankful he has a potential mother in law that will treat him well. X
    Deposit :£10,469/£20,000 = 50% Fee fund £1903 emergency fund:£752/£1000 Car fund:£5 Xs fund £67 B/day £45
    Noodle: 614 Clear: 499 mse:967/61%
    Family loan £7000/£6875
    • reality_check
    • By reality_check 10th Jul 17, 8:18 AM
    • 638 Posts
    • 1,279 Thanks
    reality_check
    I know who knows Louby, only bonus was we got another scan and a chance to see the baby again -
    I love them!

    Aww thanks Hannah, I hope he does feel that way - they are good kids! I won't be tempted because I don't have a card or know the PIN so think I will keep it open for now.

    I called in sick to work today, just couldn't face it after a night of limited sleep! I know I won't have sleep much longer, but just taking advantage of a day off whilst I can. Nothing was wrong last night, just couldn't get comfy and had terrible heartburn.

    Anywayyy, I know this is a money diary, not an update you all about my pregnancy diary! But I have no money news, I am hoping to have 4 NSD's this week, Monday-Thursday, get paid on Friday and don't really have much of an option not to have NSD's as my bank account is looking as bad as I feel right now! xxx
    25/01/2016 £18,675.63
    Current debt: £8,450
    • monz
    • By monz 10th Jul 17, 10:07 AM
    • 2,727 Posts
    • 7,651 Thanks
    monz
    Keep updating us on baby too xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £5,781.18/10,000
    mums xmas vouchers boots (surveys ) 50/50
    sisters xmas vouchers topshop (surveys ) 0/30
    Dads xmas voucher amazon (surveys) 0/25
    Australia 2019 - /5000
    • reality_check
    • By reality_check 11th Jul 17, 3:12 PM
    • 638 Posts
    • 1,279 Thanks
    reality_check
    4 days until pay day...

    xx
    25/01/2016 £18,675.63
    Current debt: £8,450
    • RebeccaAnney
    • By RebeccaAnney 13th Jul 17, 1:24 PM
    • 61 Posts
    • 147 Thanks
    RebeccaAnney
    Reality that is so kind of you replacing both the laptops! I always think what goes around comes around, hopefully good karma for you and bad karma for the b****** burglars

    Glad to hear all is well with baby, totally agree with Monz keep the baby posts coming

    Rx
    LBM 07/03/17 (£14,879.52) 15/09/17 £10,584.02
    • reality_check
    • By reality_check 13th Jul 17, 2:10 PM
    • 638 Posts
    • 1,279 Thanks
    reality_check
    Aww thanks Rebecca, I believe that too, so hopefully their time will come soon – idiots!

    Pay day tomorrow, payslips in and slightly better than expected, but won’t be as good a month of paying off debts as I anticipated because of the laptops, to book Brighton hotel and my MOT is due 12th August. BUT….my friend added me to a group on fb for selling designer clothes and I had a look at half the stuff wasn’t even designer (in my eyes) and going for a good bit of money, sooo…I have put up an old leather purse that someone is paying £120 for, someone is coming to look at a dress for £50 tonight and I put up a pair of shoes, that have had a few comments on, but no one wants them yet. Every little helps xxx
    25/01/2016 £18,675.63
    Current debt: £8,450
    • reality_check
    • By reality_check 13th Jul 17, 2:14 PM
    • 638 Posts
    • 1,279 Thanks
    reality_check
    No baby updates other than I look like the size of a baby elephant and I am roasting hot constantly! Other than that, I feel great, just tired. I am sat at my desk in work with slippers on, only putting my shoes on when need to actually go meet appointments, not sure how much longer these 5 inch heels will last, time to hang them up soon! xx
    25/01/2016 £18,675.63
    Current debt: £8,450
    • reality_check
    • By reality_check 14th Jul 17, 12:16 PM
    • 638 Posts
    • 1,279 Thanks
    reality_check
    Pay day is here and all budgets replenished. Only managed to make a payment of £350 towards Barcalys but might be able to make a few extra payments throughout the month – fingers crossed I can. Booked Brighton and cost £506 for 3 nights – the place is so so expensive!!! I have no money for my MOT but the girl who bought the dress gave me £50 last night so that covers the cost, and girl for the purse is coming tonight so I am hoping my repairs come to no more than £120, probably wishful thinking as I 100% need a new tyre. I have £63 clearing in PayPal right now from surveys – can’t believe it, so will use this money for a new tyre.

    I have also bought a voucher for a gel manicure and pedicure for a little treat before the baby comes in hope to help look a little semi presentable, so that was £35 and I have also booked in for waxing in 2 weeks, it is on a deal but still costing me £45 but that’s half price for absolutely everything, which is worth it in these circumstances ie childbirth!

    My sister came over last night and bought me lovely pyjamas to wear in hospital and a really nice wash bag full of little mini toiletries that will be perfect for taking in with me.

    Have a good weekend everyone xxx
    25/01/2016 £18,675.63
    Current debt: £8,450
    • kirtsypoos
    • By kirtsypoos 14th Jul 17, 1:03 PM
    • 2,954 Posts
    • 13,113 Thanks
    kirtsypoos
    RC I started reading your diary last night after seeing your comment on mine and I couldn't stop reading, it's amazing how far you have come and so exciting that you are about to meet your new little one!

    Have a lovely weekend x
    £450/3000 OH BC(85% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £450/31010.23 (98.54% paid)
    Mortgage - £161,995.00 (2017 O/P £1729.74) PAYDBX 17 #006 - £16186.98/14,539.71
    • AspiringButAnxious
    • By AspiringButAnxious 14th Jul 17, 5:06 PM
    • 608 Posts
    • 2,471 Thanks
    AspiringButAnxious
    Hey rc, thought I'd stop by and do some catching up! Glad all is well with you and the baby — and I'm sure you'll cope brilliantly, whenever she decides to arrive!
    Rainy day fund — 580/500 Emergency fund — 1009/1000
    Loan — 0/20,000 = 0% Fun fund: £0 Credit card balance — £210 (currently on 0% interest)
    • reality_check
    • By reality_check 17th Jul 17, 8:47 AM
    • 638 Posts
    • 1,279 Thanks
    reality_check
    Hey Kirsty - I wouldn't waste time reading from the start, I think I made about a million different plans and strategies to pay off the debt and stuck to none it will give you some tips on what not to do though!

    Thanks ABA, I am glad she never made an early appearance, but hoping not a late one either!

    Was my baby shower at the weekend and had such a lovely lovely time. My sister put in so much effort organising it all and was so nice having all my friends together and everyone was so generous. I haven't went overboard at all with buying stuff, partly because my friend has gave me 4 bin bags full of basically new clothes from 0-12 months, and yesterday I was given so so much. Without buying much myself, with all I have been given it is probably far too much, I hate to think how much stuff and how much I would have spent so far had this happened a few years ago.

    Monday has come around too quick again! Only a 4 day week as off for a pregnancy massage on Friday. Hoping to have a low/no spend Monday-Thursday. Have a good week everyone xxx
    25/01/2016 £18,675.63
    Current debt: £8,450
    • reality_check
    • By reality_check 17th Jul 17, 12:55 PM
    • 638 Posts
    • 1,279 Thanks
    reality_check
    Booked my car in for it's MOT just there for the 31st - day 1 of my maternity leave! The dress and bag both sold over the weekend so I have £170 cash aside for this, doubt will cover it as MOT's are always expensive!!

    The sun is back in Manchester, which means work will get busy! All these people buying fancy cars mid week are in the right job, plenty money and never at work!! x x
    25/01/2016 £18,675.63
    Current debt: £8,450
    • reality_check
    • By reality_check 18th Jul 17, 2:48 PM
    • 638 Posts
    • 1,279 Thanks
    reality_check
    OMG this weather is far too hot! Too hot for working anyway...fine for sitting in the garden with a nice ice cold glass of wine!

    Spent £7 on lunch today. Wasn't organised so went to M&S and that got me a sandwich £3.20, can of diet coke 70p, some reduced rasberries 90p, reduced yoghurt 40p, reduced humous 90p and some carrot sticks £1- godness knows what full price would have been, that was expensive enough!! Also nearly popped into Costa for an iced cofee but the queue was too long, easily have been another £3. I am so glad these daily £10 lunches are a thing of the past. Must be more organised tomorrow xx
    25/01/2016 £18,675.63
    Current debt: £8,450
    • reality_check
    • By reality_check 18th Jul 17, 3:09 PM
    • 638 Posts
    • 1,279 Thanks
    reality_check
    Made a £50.00 Barclays payment there.

    Debt as follows -

    Loan - £7,000
    Credit card - £1,450

    I'd like to pay another £4,000 before the end of the year, pay my home insurance outright, car tax also due this half of the year and survive Christmas credit card free.

    My plan is -

    August £1,000 towards debt + home insurrance
    September £1,000 towards debt
    October £1,000 towards debt
    Novemeber £1,000 for everything Christmas related (presents, food, tree, nights out) + car tax
    December £1,000 towards debt

    Meaning I would be going into 2018 with £4,450 of debt....lets see how this all works out!!
    Last edited by reality_check; 18-07-2017 at 3:15 PM.
    25/01/2016 £18,675.63
    Current debt: £8,450
    • reality_check
    • By reality_check 18th Jul 17, 3:13 PM
    • 638 Posts
    • 1,279 Thanks
    reality_check
    Also this needs to work out, as next year my daughter is 21, she also graduates from uni, my friend is getting married in Spain in May which I am bridesmaid for so need to go, her hen is also in March which is a weekend away, we would also like to go away on holiday before I am back to work, sooooo an expensive year ahead!! Plus clearning off £4,450 and not getting into any debt for the above!

    I will stop with all these posts one after the other, just writing down my thoughts xxx
    25/01/2016 £18,675.63
    Current debt: £8,450
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