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    • SpekySquarehead
    • By SpekySquarehead 15th Mar 16, 9:12 AM
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    SpekySquarehead
    It's not a lot, but it's enough
    • #1
    • 15th Mar 16, 9:12 AM
    It's not a lot, but it's enough 15th Mar 16 at 9:12 AM
    Good day to you all.

    Can I start by saying I feel a bit embarrassed about starting this diary. Not because of my debt, but because in comparison to other peoples situation I seem to be in a better position to clear it. However Iíve been considering starting a diary like this for a while as I feel itís really been getting me down, like thereís a huge black cloud following me everywhere I go. I feel I think about money Ė or more specifically my debt - all day, every day, and hopefully having a place to come and post of my attempts to reduce it will help keep my chin up and motivate me.

    A bit about me. Iím 25 and I live with my mum for now and I have a steady and comfortable paying job. I was in a relationship for 8 years and we had a joint savings account with a view to buy a place. When that relationship ended, I went off the rails. I blew my half of the savings while at the same time took out a credit card telling myself Iíll use it to increase my credit score by only using it to buy petrol and paying back at the end of every month. That didnít go to plan. I know have 2 credit cards (just recently paid off my third); Tesco Credit Card - £2,614.19 and Barclaycard - £693.88. Both of which are 0% interest for now.

    The thing is, I know that my debt is manageable. Iím not spiralling out of control with interest. I donít have a mortgage. I donít have any kids. My expenditure is relatively low. I can and I will do this!

    Although this is a Debt Free Diary, I have a view for this to become a Saving Diary once Iíve cleared these cards. I want to feel the way I felt 3 years ago with no debt and thus no worries. To be happy again.

    My plan to clear this debt was originally to still try and maintain an element of my lifestyle that got me into this mess while being sensible. At the end of each month, any remaining money in my account would be transferred to my credit cards, this is already on top of my direct debits to meet the minimum repayments. However I found that this technique gave me too long a leash and I wasnít being tight enough. This month I actually have a stag do in Amsterdam (paid for by said credit cards) and with no savings, I had to use money from this months wages for spending money, leaving me skint for the remainder of the month, but goes to show that I can stow away a large chunk at the start of the month and force me to make the sacrifices. So thatís the plan, so put away a sizeable amount at the start of each month, the day I get paid.

    Thank you for reading and appreciate the support.

    Peace and Love!
    Debt Free Date: 29/09/16
Page 3
    • SpekySquarehead
    • By SpekySquarehead 3rd May 16, 10:29 AM
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    SpekySquarehead
    Todays the day of my interview and presentation.

    I spent all of last night practising and managed to bring the time down to 24 mins, which is still 4 mins longer than what is asked of me. I hope not to sound rushed at the time and I don’t jumble my words with the inevitable nerves.

    In other MSE news. Yesterday was a NSD however today wont with paying for parking at my interview. Wednesday and Thursday will though and with a stag do this weekend I’ll spend (little) on Friday, Saturday and Sunday.
    Debt Free Date: 29/09/16
    • SpekySquarehead
    • By SpekySquarehead 3rd May 16, 9:30 PM
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    SpekySquarehead
    Interview done.

    Went well, I think. Only time will tell I suppose. No curveball questions to throw me off. I'm lucky enough to get through then I'll be invited back for a 2nd interview which I assume will be much more demanding than the 20 min presentation I had today.

    Keep you posted.
    Debt Free Date: 29/09/16
    • SpekySquarehead
    • By SpekySquarehead 4th May 16, 9:11 AM
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    SpekySquarehead
    Hi!!

    So yesterday I bought some stuff from Aldi and spent pennies on what I’d usually spend plus the £8 for parking at the interview.

    Today and tomorrow will be NSD’s. In fact, today won’t be. I’ve to pay for the stag do this weekend, £100, damn!

    My MSE tasks for today are;
    - Update YNAB
    - Apply for a balance transfer for my Tesco Card which is now charging interest
    Debt Free Date: 29/09/16
    • SpekySquarehead
    • By SpekySquarehead 5th May 16, 1:02 PM
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    SpekySquarehead
    Yesterday I achieved half of what I set out to do and I spent a good chunk of time on YNAB, getting to grips with it and checking it matched with my bank accounts. Didn't get the time to change my CC though, I'll need to do that tomorrow night.

    I paid off my balance on my TV that I bought amidst the spending madness! So that's an extra £150 I'll have a month to put towards savings!!! As this is an immediate obligation payment, as long as I don't spend anything else, I will take this a NSD.

    Dinner tonight with my GF's parents in Glasgow which I've been told is on them, so should be a cheap night.

    With the stag do this weekend, I'm trying to forecast my costs which is difficult, no idea what we'll do. Thankfully it's only 1 night so surely it can't be that bad....surely.
    Debt Free Date: 29/09/16
    • SpekySquarehead
    • By SpekySquarehead 6th May 16, 8:49 AM
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    SpekySquarehead
    Morning.

    The dinner last night was lovely. My MSE is rubbing off on my GF as she had a card that would give us 40% off!!! Was really nice to get to know her dad better and hopefully it'll be the first of many nice get togethers.

    Because of the above, I spent £0 yesterday (apart from my TV). Today however will be costly as I need to prepare for the weekend away and buy something with a bit of fibre for lunch.
    Debt Free Date: 29/09/16
    • SpekySquarehead
    • By SpekySquarehead 10th May 16, 11:45 AM
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    SpekySquarehead
    Morning,

    Returned from stag do and a busy weekend.

    Stag was a bit of a blur to be honest and thankfully the bank balance wasnít hit too hard. Purchased a pressie for my friends sons 2nd birthday with a budget of £15. Of course, Iíd love to spend more on him if I could. Iíll give my exercise class tonight a miss which wouldíve been another £5, and not because of money Ė mainly because Iím still not 100% from the weekend.

    Bad news; I didnít get the job!! Gutted. Iíve been told it came down to experience so itís not something I couldíve changed during the interview/presentation.

    I sorted my balance transfer yesterday away from Tesco as my 0% interest was up. Barclays were very easy to deal with over the phone and I was very impressed with the simplicity of it all. There was a fee for the transfer but this was minimal in comparison to the interest I was due to pay, so happy days.

    I think thatís all from me for now folks.
    Debt Free Date: 29/09/16
    • SpekySquarehead
    • By SpekySquarehead 11th May 16, 12:22 PM
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    SpekySquarehead
    Yesterday I received a text from a family member letting me know that my gran has been taken off her IV drips and given that she's not eating or drinking, so I cancelled my plans and went in to visit her for a couple of hours although she was sleeping so didn't get a response.

    The last time I visited her, there was another patient in the same ward who didn't have any visitors and every now again I caught her looking over. I got up to go to the toilet and she said "excuse me son" as I walked past and she went on to offer me chocolate to give to my gran, as she had noticed that she responds well to sweet things (which is true, she has a sweet tooth). I was incredibly touched by her kindness and generosity in offering her own chocolate, such a simple offering but meant to much. I declined as my gran wasn't eating anything anyway plus it was her own chocolate!

    So when I went to visit my gran I took her in some chocolate (only £1). She at first didn't recognise me but she soon realised. I gave her the bar of chocolate and she was very grateful and said some very kind words, so kind in fact that I left the ward crying. I hope and pray that that lovely woman gets better soon.

    Anyway, in debt free wannabee news, I've matched up my YNAB with my bank. I'm out by like £7.42 which I assume will be smaller things I've paid cash for and not recorded.

    Got an email to say my balance transfer was successful, so I'll only have 1 card to pay now!!

    Have a good day. Till next time.
    Debt Free Date: 29/09/16
    • SpekySquarehead
    • By SpekySquarehead 16th May 16, 9:24 AM
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    SpekySquarehead
    Good morning,

    Became a bit of a spendy weekend after a trip into Edinburgh to look at a new car for the GF.

    Lunch £13
    Car parking £2
    Car parking fine £30 (don't get me started)
    Dinner £16

    Sunday was £20 as a gift to a friend for his birthday. I hired a buggy for our golfing day which we invited me to in order to use a voucher he had.

    I'll make up for the expensive weekend by having a cheap week. 5 NSD's targeted, one spend day during the week and another for Saturday when I go to get my haircut.

    Really enjoying using YNAB now. I've more money in my account at this point in my month that normal and I've accounted for the things I'd not normally think of in May such as Christmas, car repairs, the wedding next year, clothes etc.

    Happy camper.
    Debt Free Date: 29/09/16
    • SpekySquarehead
    • By SpekySquarehead 18th May 16, 5:21 PM
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    SpekySquarehead
    I've been busy lately with.....well life. You know it has that way of just running away from you?

    I've been trying to rack up as many NSD's as possible but it's proving difficult, only small spends here and there but spending nonetheless.

    In good news though, I just got my £150 switching incentive from First Direct, so that'll pay for my parking fine and present for my friend this weekend and the rest toward savings.

    A flying visit for now, I thought I'd share that little nugget of good news.
    Debt Free Date: 29/09/16
    • zenshi
    • By zenshi 18th May 16, 5:39 PM
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    zenshi
    So my step-brothers wedding is now becoming Ďrealí. Weíre looking at flights, hotels and ultimately costs. Looks like the trip will cost £2,000 not including spending money, so for now the overpayment towards my debt is put on hold and Iíll just continue to meet my minimum payments. In the meantime, Iíll put a chunk of money into a savings account for this trip.




    Keep you posted 
    Originally posted by SpekySquarehead
    I'm having a big birthday this year and my sister has one also. She has planned a holiday for us somewhere very exotic which is a once in a lifetime opportunity. She is paying accommodation, kids are paying my flight but I need spends. I am in way much more debt than you but we all need a treat. Anyway, I digress.....what I've done is decided on a target and that has given me a goal to clear out my stuff and flog it. It's much more motivating than paying boring old debts which by the way are still being paid but after several years of 'my belt can't be tighter' I need it

    Could you do something similar?
    LBM.....sometime in 2013 £27,056. 10 creditors
    Oct 17......£18,165.....7 creditors left 32% paid

    £26,200 on interest only part of mortgage (July 16)...will chip away £23,549
    £49,200 repayment mortgage ( July 16) £45,809
    • SpekySquarehead
    • By SpekySquarehead 19th May 16, 9:16 AM
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    SpekySquarehead
    I'm having a big birthday this year and my sister has one also. She has planned a holiday for us somewhere very exotic which is a once in a lifetime opportunity. She is paying accommodation, kids are paying my flight but I need spends. I am in way much more debt than you but we all need a treat. Anyway, I digress.....what I've done is decided on a target and that has given me a goal to clear out my stuff and flog it. It's much more motivating than paying boring old debts which by the way are still being paid but after several years of 'my belt can't be tighter' I need it

    Could you do something similar?
    Originally posted by zenshi
    Thank you for taking the time to read and post, itís appreciated.

    Let me start by wishing you and your sister a wonderful birthday and I hope the holiday is one to remember.

    Iíll be honest, getting rid of the junk in my house has been on my to-do list for a while, I can just never get round to doing it. I think Iíll try and make a start on Sunday. Another thing on my to do list is to get a hold of the Kon Marie book and try and live a more minimalist life whichíll hopefully allow me to get rid of more stuff that I donít really need.

    All the best with cutting your debt and saving for your holiday.
    Debt Free Date: 29/09/16
    • SpekySquarehead
    • By SpekySquarehead 23rd May 16, 9:13 AM
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    SpekySquarehead
    Hello, hello. Been a busy busy bee but keeping a keen eye on spend, as always now.

    Given I had an injection of £150 for my switching incentive, I bought my GF a dress for £12 and bought us lunch in Glasgow at £36. The remainder will be stowed away. I get paid on Thursday (4 day) and Iíve more money in my account than Iíve had this close to pay day in yonks and I put that down to YNAB.
    Speaking of which, my only criticism/annoyance is dealing with money in/money out. For example; I had to buy a suit for work which Iíd get the money back afterwards, so I spent £100 and Iíll now need to balance it out with cash Iíll get from work. Another example is that my GFís online account wasnít working to buy herself some clothes, so I bought it and sheíll give me the cash. Theyíre minor things, but annoy me nonetheless.

    I done a big shop yesterday in Lidl, so I should rack up a good few NSDís in a row this week.

    Iíll check back soon.

    Take care.
    Debt Free Date: 29/09/16
    • SpekySquarehead
    • By SpekySquarehead 26th May 16, 4:35 PM
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    SpekySquarehead
    Hi all,

    It's payday!! And I take £300 odd into June. First I've done that in a long time and I put that down to YNAB. Looking at my spending for the month compared to what I anticipated this time last month;

    Petrol - £171.00
    I was £9 under my month budget. I'm happy with this as I can now use this as a benchmark and try to get it down.

    Debt - £15.08
    This was my minimum payment.

    Cash - £50
    This was my spending money for the stag do in Newcastle. I managed to get cash later after I bought things for my GF and she gave me cash for it.

    Avoidable - £250
    Cringe! Haircut, parking fine, lunch, train fairs and unfortunately - the stag do again.

    The upside of the month was that, as predicted, it was a quiet one, so I managed to stow away £200 for the holiday (thanks to YNAB).

    As for the month ahead; my diary is empty apart from the wedding I'll be attending. That concerns me though as I've a feeling some impulse events may happen, particularly if there is nice weather. I'll be sure to remain MSE throughout though.
    Debt Free Date: 29/09/16
    • SpekySquarehead
    • By SpekySquarehead 31st May 16, 10:00 AM
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    SpekySquarehead
    I may have found some teething problems between myself and YNAB.

    I am used to living pay check to pay check and so I budgeted for that. I’d essentially budgeted for only 26 days (as I got paid on the 26th) so any spend I’ve had since then it appears that I’ve not got the money. So I’ll have to delay the payment and put them all through as June and make my June budgets last longer. A small, but annoying thing.

    My car was in for a service on Saturday. I needed a new tyre too so it cost me £162!!!! Something which I hadn’t budgeted for. Damn. I’ll spend some time and play about with YNAB later.

    Unfortunately, my gran passed away yesterday and so my plans for the week are a bit vague. Whatever I do, I’ll be sure to keep spending low and rack up NSD’s when I can.
    Debt Free Date: 29/09/16
    • SpekySquarehead
    • By SpekySquarehead 1st Jun 16, 1:10 PM
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    SpekySquarehead
    No Spend Day today!! However looking at the week ahead, spend is inevitable. I need a new suit for the funeral next week, the cheapest I see in Slaters is £50 - ideal.

    Determined to keep YNAB super organised for this month and I'll also eat few frogs such as sell stuff on ebay, start a help to buy etc.

    Productive month ahead I hope.
    Debt Free Date: 29/09/16
    • doingitanyway
    • By doingitanyway 1st Jun 16, 1:36 PM
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    doingitanyway
    Sorry to hear about your gran. I hope the funeral goes okay.
    I don't post here, but I do read all your posts.
    I pass Leon every morning and like you look forward to the day I can have my breakfast there.
    You are doing great. Keep going.
    JANUARY 2016/SECURED DEBT=24,822/November 2017=4,525
    MORTGAGE FREE 25/07/16
    • SpekySquarehead
    • By SpekySquarehead 1st Jun 16, 2:12 PM
    • 1,735 Posts
    • 13,598 Thanks
    SpekySquarehead
    Sorry to hear about your gran. I hope the funeral goes okay.
    I don't post here, but I do read all your posts.
    I pass Leon every morning and like you look forward to the day I can have my breakfast there.
    You are doing great. Keep going.
    Originally posted by doingitanyway
    Thank you very much for taking the time to read over and your kind words help provide motivation
    Debt Free Date: 29/09/16
    • SpekySquarehead
    • By SpekySquarehead 3rd Jun 16, 8:45 AM
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    SpekySquarehead
    Morning!

    Yesterday was unfortunately not a NSD. My GF offered to go out for dinner and we'd half the bill. This is progress because it is usually myself who pays the full thing. I think my MSE'ness is rubbing off.

    Today will however be a NSD. Brought my lunch and some snacks into work. If needs be, I'll get by on cups of tea/coffee/bovril.

    Tomorrow I'll need to go into Glasgow to get my suit for my grans funeral next Thursday. I'll also do other costly bits and bobs which should allow me to get some NSD's next week. I believe the weather is to be nice so I might make a picnic and take the GF somewhere nice.

    Have a nice day
    Debt Free Date: 29/09/16
    • SpekySquarehead
    • By SpekySquarehead 6th Jun 16, 8:40 AM
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    SpekySquarehead
    In my opinion, Saturday and Sunday were much more spendy than I'd like. On Saturday I bought my new suit for the funeral on Thursday (£80), car parking while I got the suit was £5 and the coffee and cake I had later was £3.75.

    Sunday was spent in a park, which sounds free, however the ice cream van nearby scunnered that. The heat was incredible and I hadn't brought any juice. Having my niece and nephew meant I was 3 x ice cream cones and 4 x drinks - £15.

    My GF's brothers wedding is this Saturday and my grans funeral is this Thursday. Outwith those 2 days, I should managed to spend very little.

    My GF had a look over her finances on Saturday and has reluctantly had to pull out of attending my step-bro's wedding in Korea in January. This could be a blessing in disguise and it may be the nail in the coffin to force me to pull out too, which is something that has been playing on my mind for soo long anyway. The money for that can go towards the debt.

    Anyway, today will be a hard days work followed by a trip to the gym then who knows what. Whatever it entails will be free, that's for sure. Need to rack up the NSD's for the challenge.
    Debt Free Date: 29/09/16
    • SpekySquarehead
    • By SpekySquarehead 8th Jun 16, 8:45 AM
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    SpekySquarehead
    I’m working 8.30am-10.00pm today. It’ll be a long shift but I’ll have gaps in which I can do some other personal bits and bobs. Also work kindly pay for food throughout so it’ll be a NSD.

    Funeral tomorrow. Not looking forward to it. It will be good to see extended members of family but it’s a shame it’s under these sad circumstances.

    Anyway, better start doing some work. Toodles!
    Debt Free Date: 29/09/16
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