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  • FIRST POST
    • reality_check
    • By reality_check 25th Jan 16, 3:39 PM
    • 699Posts
    • 1,548Thanks
    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 42
    • Rachel24
    • By Rachel24 11th Oct 17, 8:42 PM
    • 98 Posts
    • 345 Thanks
    Rachel24
    Also can you give me the website you got the Est!e Lauder for 15% off please. You always seem to get great bargains with make up etc! Xx
    • reality_check
    • By reality_check 12th Oct 17, 8:11 AM
    • 699 Posts
    • 1,548 Thanks
    reality_check
    I really meant not to spends on me, but I've clearly not stuck to that, not spending money is so hard!!

    https://www.lookfantastic.com/ and use the code LFEL15 - not sure how long it is on for, but it is a good 」5 saving! Every time I buy it I swear it goes up a pound, was around 」26-28 not that long ago, now it's 」32, think beccause it's so popular now xx
    Starting debt 」18,675.63
    Current debt: 」8,000
    • reality_check
    • By reality_check 13th Oct 17, 5:24 PM
    • 699 Posts
    • 1,548 Thanks
    reality_check
    I had a day out shopping and stopped off at cafe Nero for some FREE drinks! All you need to do is download the app, sign up with any email address (no validation needed) go to settings and insert promo code METRONERO and you get a free drink! It says hot, but my daughter got a passionfruit and mango cooler and I had a large hot chocolate with cream and marshmallows! The offer ends today, but along as you do it by today you have until the 20th to go in a claim it! If anyone reads this before midnight, worth a free drink! It does come up asking for bank details or to link to Apple Pay when you log in, but it's not needed, just ignore that and go straight to settings and put in the code xxx
    Starting debt 」18,675.63
    Current debt: 」8,000
    • reality_check
    • By reality_check 16th Oct 17, 2:50 PM
    • 699 Posts
    • 1,548 Thanks
    reality_check
    Virgin just sent me an offer for 24 months interest free with ZERO fee to trransfer a balance!! Where were all these deals when I was paying sky high interest!!

    Nothing much to update, been paid, but keeping money in the bank for a few weeks to see where I am before paying off debt...have paid minimals, but hoping to use this wage for Christmas!! xx
    Starting debt 」18,675.63
    Current debt: 」8,000
    • reality_check
    • By reality_check 16th Oct 17, 2:51 PM
    • 699 Posts
    • 1,548 Thanks
    reality_check
    p.s I've scraped no spend October
    Starting debt 」18,675.63
    Current debt: 」8,000
    • Seasidegal58
    • By Seasidegal58 16th Oct 17, 8:27 PM
    • 1,173 Posts
    • 6,595 Thanks
    Seasidegal58
    p.s I've scraped no spend October
    Originally posted by reality_check
    Same here,

    That痴 a good balance transfer offer from Virgin. Excellent idea on keeping the money in the bank though.
    Finally Debt Free! - July 2016
    Finished Emergency Fund- 」10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    My debt free diary - " Paid off the 」31,000 - BUT still scrimping!"
    • reality_check
    • By reality_check 19th Oct 17, 9:54 AM
    • 699 Posts
    • 1,548 Thanks
    reality_check
    Nothing to update, I am so so tired! I went from having a baby who slept all night other than waking to feed, but the past week wakes up every hour it feels!! I am like a walking zombie, dressed up for Halloween early!

    Need to resist the winter clothes I have saw in Zara! I don't need anything!! xxx
    Starting debt 」18,675.63
    Current debt: 」8,000
    • enthusiasticsaver
    • By enthusiasticsaver 19th Oct 17, 11:30 AM
    • 4,827 Posts
    • 9,121 Thanks
    enthusiasticsaver
    4 month sleep regression? I cannot remember how old your baby is but my granddaughter did that and apparently it is very common as babies move from newborn sleep mode to sleeping like the rest of us do so constantly keep waking up and cannot easily get themselves back to sleep. Have you read the Wonder Weeks?
    2 weeks to go until early retirement in December . Debt free and mortgage free.

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com
    • Seasidegal58
    • By Seasidegal58 19th Oct 17, 10:14 PM
    • 1,173 Posts
    • 6,595 Thanks
    Seasidegal58
    Oh no! Poor you! But at least you are resisting the lure of Zara,
    Finally Debt Free! - July 2016
    Finished Emergency Fund- 」10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    My debt free diary - " Paid off the 」31,000 - BUT still scrimping!"
    • reality_check
    • By reality_check 25th Oct 17, 4:02 PM
    • 699 Posts
    • 1,548 Thanks
    reality_check
    I have no idea what it was, but thankfully she is back to her old ways and sleeping again, other than waking to feed. She is 12 weeks now the weeks just race by!! I have loads of baby books given to me by friends, but have no time to read them!! Probably should have before baby came, not that I would have remembered them lol

    Today has been a lovely day and not cost a penny. Well....we were at baby massage which has previously been paid so I am not couting it, then went into work to see everyone and went for lunch with my boss who kindly paid.

    I switched my bank account today, got an MSE email telling me about 」250 for switching to Clydesdale/Yorkshire bank, was so easy to do! It was a simple 10 minute online application, all you need is 」1000 going in a month and set up 2 direct debits and then you get the money paid in 70 days after setting up My current bank with my 」2500 was always my safety net, especially when I was on my own, but....they have reduced my overdraft to 」900 since I don't use it and with the new fees in place I will NOT be using it anyway so it's a win win! I am going to see how much I can make with switching bank accounts.

    I am also going to start doing surveys again. I haven't done them since I first did and made about 」75 in 2-3 weeks! So it is really silly not to! Some people do great with them, and I want to be one of them! to motivate me I am telling myself I can spend the money on me, soooo....I am buying a suitcase it is so cute (probs not to everyone's taste) but I love it! It is a Lulu Guinness one and 」239.99 so I can justify it if I save up survey money....
    https://www.amazon.co.uk/dp/B0716NSV6G/ref=asc_df_B0716NSV6G47075980/?!!!!!googshopuk-21&creative=22110&creativeASIN=B0716NSV6G&linkCode =df0&hvadid=205231791255&hvpos=1o1&hvnetw=g&hvrand =14360225269504657639&hvpone=&hvptwo=&hvqmt=&hvdev =c&hvdvcmdl=&hvlocint=&hvlocphy=1007239&hvtargid=p la-339662621695

    Anyway, this is turning into an essay, better get going...hope you are all well! xxx
    Last edited by reality_check; 25-10-2017 at 4:06 PM.
    Starting debt 」18,675.63
    Current debt: 」8,000
    • Cherryfudge
    • By Cherryfudge 25th Oct 17, 10:09 PM
    • 945 Posts
    • 4,212 Thanks
    Cherryfudge
    Well done on getting the Clydesdale offer! It was suspended by the time I opened this website. Fabulous offer (will help you save up for that suitcase ).
    • reality_check
    • By reality_check 26th Oct 17, 10:03 AM
    • 699 Posts
    • 1,548 Thanks
    reality_check
    Aww that's a shame, HSCB have a 」150 for switching and a further 」50 if you stay (not sure of the length of time) that's also a great deal!

    Logged into Prolific Accademic, done one survey, found out I have a balance on the account so currently at 」33.24/」239.99 for the suitcase! xxx
    Starting debt 」18,675.63
    Current debt: 」8,000
    • Cherryfudge
    • By Cherryfudge 26th Oct 17, 11:16 AM
    • 945 Posts
    • 4,212 Thanks
    Cherryfudge
    The HSBC one is the one I'm trying to persuade DH to switch to! It could work very well for us (I don't earn enough to qualify on wages alone: I'd have to take money out and pay it back in which means I'd have to be organised... ).

    I think you might need to do another survey or two... so far you have a corner of a suitcase.
    • Rachel24
    • By Rachel24 26th Oct 17, 1:51 PM
    • 98 Posts
    • 345 Thanks
    Rachel24
    I don’t seem to be getting any surveys on prolific academic whatsoever it’s driving me crazy as I was doing so well. Also reality if you download the app shoppix and you take pictures of receipts it awards you coins which you can exchange for vouchers. Takes a while to build up but you’re literally uploading a receipt. The suitcase is gorgeous!
    • Seasidegal58
    • By Seasidegal58 27th Oct 17, 3:50 PM
    • 1,173 Posts
    • 6,595 Thanks
    Seasidegal58
    Glad to hear Baby Reality is back to her peaceful self! Also well done on the bank switch.

    Suitcase is great and I will definitely know it痴 you next time I知 at Manchester Airport!

    Re surveys - I知 currently stuck at 」6.35 on PA and the others are taking ages to build up........
    Finally Debt Free! - July 2016
    Finished Emergency Fund- 」10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    My debt free diary - " Paid off the 」31,000 - BUT still scrimping!"
    • reality_check
    • By reality_check 2nd Nov 17, 8:28 AM
    • 699 Posts
    • 1,548 Thanks
    reality_check
    I am glad too! She stayed with OH mum and dad last night, first time she's been away!! It was wonderful to have a hot bath, eat a hot dinner and a full nights interupted sleep!! Going to clean the house and get organised for the weekend/pack for going away. We are off to Glasgow this weekend for a wedding and then off to Tennerife next week.

    My surveys aren't going well, not because I don't get them (well I wouldn't know!) because I don't log in! Must try harder....」40.73/」239.99

    xxx
    Starting debt 」18,675.63
    Current debt: 」8,000
    • reality_check
    • By reality_check 2nd Nov 17, 8:53 AM
    • 699 Posts
    • 1,548 Thanks
    reality_check
    I have also made a tiny bit of money from my Instagram account, I am wanting to put a lot more effort into this and try make some money....basically for the last year I have been uploading pictures of my house/cleaning/pregnancy/outfit posts and I have quite a good amount of people following me...it is all down to my friend who is quite a famous WAG she hates me calling her that, but it's what she is lol and she tagged me in one of her posts earlier in the year and suddenly a lot of people who follow her started to follow me and it has grown since! When I say I have made money, it is a teeny tiny amount, through affliliated links on a product I love and the company got in touch with me, but I think my earning potential online could grow...I'd love it to anyway! I don't know much about it, but I am going to make an effort to look into it...if anyone knows anything about this please feel free to let me know! xxx
    Last edited by reality_check; 02-11-2017 at 9:01 AM.
    Starting debt 」18,675.63
    Current debt: 」8,000
    • monz
    • By monz 2nd Nov 17, 8:58 AM
    • 2,866 Posts
    • 8,568 Thanks
    monz
    Thats brilliant!!

    Enjoy your weekend in Glasgow! If you need help with anything or that mail me and I will point you in right direction or can mail you my number if you need quick reply ( I trust you not to hand it out to anyone lol!)

    xx
    Debt (1/9/14) 」6,702.11 Debt free (30/11/2016)
    house deposit 」6,356.28/10,000
    mums xmas vouchers boots 50/50 sisters xmas vouchers topshop 30/30 Dads xmas voucher amazon (surveys) 30/30
    holiday - 」540.43/1064.72
    • reality_check
    • By reality_check 2nd Nov 17, 12:17 PM
    • 699 Posts
    • 1,548 Thanks
    reality_check
    Aww thanks Monz, how kind of you! We don't really have a plan, which is either better or worse sometimes, just going with the flow. Looking forward to the wedding and the spa treatment, had a look online and we have booked a restaurant The Anchor Line, been looking at the menu and food and cocktails all sound so good! Really looking forward to the weekend away. Off to get my eyebrows threaded and tinted to look presentable again! Been trying to hold off so long, so they are looking good for the weekend but they are in desperate need now! Going to dye my hair tonight, slap on some fake tan - back to good old trusty Xen tan and lasts about 5 days looking good so much easier to maintain and going to use the gel lamp on my nails.

    Having a roast dinner tonight, can't wait been craving it since I never made one on Sunday, and prosecco is chilling in the fridge for a night on the couch eating all the Halloween chocolate I bought and only 4 kids turned up! We are going to start watching the new Netflix program Mindhunter. Hope you all have good weekends whatever you do xxx
    Last edited by reality_check; 02-11-2017 at 12:19 PM.
    Starting debt 」18,675.63
    Current debt: 」8,000
    • Seasidegal58
    • By Seasidegal58 2nd Nov 17, 10:20 PM
    • 1,173 Posts
    • 6,595 Thanks
    Seasidegal58
    Enjoy your weekend away. Sounds fab!

    Well done on the Instagram as well! I知 not even on Facebook - I知 that un-social media!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- 」10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    My debt free diary - " Paid off the 」31,000 - BUT still scrimping!"
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