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  • FIRST POST
    • Poor_Single_lady
    • By Poor_Single_lady 31st May 16, 2:36 PM
    • 308Posts
    • 721Thanks
    Poor_Single_lady
    Joined 31.05.16
    • #1
    • 31st May 16, 2:36 PM
    Joined 31.05.16 31st May 16 at 2:36 PM
    Day 1. 31.5.16
    I hope I am posting in the right place. I need to keep a spending diary where its not just me that sees it. I have around £14,500 in debt. This is split over 5 different lenders.

    £2450 Bankloan
    £3225 0% credit card
    £3620 0% credit card
    £2500 overdraft
    £2800 credit card 18%

    I have a lot of outgoings, live on my own (mortgage) recently had some expensive home improvements which I think were essential.

    I am slowly paying things off but one of my biggest battles is with my best friends who seem to be constantly putting pressure on me to do expensive things and get upset when i cant - making my battle twice as hard. Does anyone else have this issue or is it just me.

    My other main worry is that if my parents ever found out they would be heartbroken, I am 30 and shouldn't have let this happen. Im keeping my diary and working hard to fix. Day 1.
Page 18
    • Poor_Single_lady
    • By Poor_Single_lady 18th Sep 16, 12:39 PM
    • 308 Posts
    • 721 Thanks
    Poor_Single_lady
    Thank you Ramble and Dolly. I think i am a bit self destructive. I know what i need to do but its the actual doing that is the problem. Its not the maths, its the living and the self destruct button. I definately share your streak Ramble! Brought on by stress and unhappiness. I will stop being mean to myself but i need to restrict everything right now. I will try to plan. I think it looks like this till payday.

    Sunday-Saturday. Estimates Projected spending.

    Sunday £7 lidl (out of £80 monthly food budget)
    Monday NSD
    Tuesday NSD
    Wednesday £30 social-could be less
    Thursday NSD
    Friday £15 Food Shop (out of £80 budget)
    Saturday £15 weekend expenses
    Sunday NSD
    Monday NSD

    I have nothing else in my diary at the moment, only wednesday this week and saturday. If I stick to this plan it would be amazing. Then another plan at payday.

    Everything will need to hold fire to payday. Then on payday pay off overdraft and make minimal payments and £36 in the ramble fund. Welcome in october for a month of leanness and sensible spending. 8 days to pay day.

    Stronger and better from here on in. Self destruct button hidden in a cupboard.

    Plan
    Pay off loan
    Pay off first credit card
    Sit down in March and make a new long term plan.

    Thank you everyone so much. I know its miserable reading but it is going to get better. I hope you are not guilted into posting to me. If its too boring or depressing I wont be offended! Ill just keep going on my boring route! xxx
    Debt at June 2016 £14,600
    Plan for 25.08.16 Debt £14,000
    Plan for 25.11.16 Debt £13,000
    loan end date Oct 2017 Freeing £153/month
    Plan stay out of overdraft improve credit history
    • Dolly Rocker
    • By Dolly Rocker 18th Sep 16, 1:46 PM
    • 2,246 Posts
    • 5,745 Thanks
    Dolly Rocker
    Don't be mad, I love your diary!

    It's all about taking the highs with the lows PSL.

    We all have them & it's never going to be plain sailing for us to get to the end of this journey.

    Your plan looks good, you will be able to stick to that no problem.

    We are 12 days until payday, feels like forever away!

    Dxxx
    ***Diet 27lbs/84lbs***
    ***Debt £6,186.67/£14,523.76***
    ***Home Savings £0.00/£25,000.00***
    WW Support Thread 2016
    • ramblehan
    • By ramblehan 18th Sep 16, 8:06 PM
    • 294 Posts
    • 597 Thanks
    ramblehan
    Oooh. I think I need a self destruct button cupboard!

    Dolly's right, we are all here for the long haul xxx
    LBM June 2015: £24025.75!
    The big bad three: £22,334 £22,184 8.2% down 91.8% to go:
    Sept Grocery Challenge: £88/£250 EF: £1045/£2000
    'Very little is needed to make a happy life' Marcus Aurelius
    • Poor_Single_lady
    • By Poor_Single_lady 18th Sep 16, 8:35 PM
    • 308 Posts
    • 721 Thanks
    Poor_Single_lady
    Awww thank you Dolly. I find yours (and others) really so helpful. Will read for as long as you are posting which wont be for much longer at the rate you are going.

    I think for the moment i need to post morning and evening and write down how the day has gone.
    Today i just spent £7 in lidl so cant argue with that. Very good for a sunday. Very quiet day study, x factor, facemask, Not much else. Eaten too much definitely but not worried, as long as its in my kitchen. Need to stop going out for dinner and have more dinners at home. Near enough full cupboards and full freezer. No starvation here. So all good for the moment. A good 24 hours. 8 days to payday and the clearing of the overdraft.
    Debt at June 2016 £14,600
    Plan for 25.08.16 Debt £14,000
    Plan for 25.11.16 Debt £13,000
    loan end date Oct 2017 Freeing £153/month
    Plan stay out of overdraft improve credit history
    • Poor_Single_lady
    • By Poor_Single_lady 18th Sep 16, 8:40 PM
    • 308 Posts
    • 721 Thanks
    Poor_Single_lady
    Ramble we crossed posts! Thanks so much for your support. Love your diary too! I do feel its about to get a whole lot better but im breaking it down into 24 hour blocks for the now. Makes my head a bit clearer.
    Debt at June 2016 £14,600
    Plan for 25.08.16 Debt £14,000
    Plan for 25.11.16 Debt £13,000
    loan end date Oct 2017 Freeing £153/month
    Plan stay out of overdraft improve credit history
    • Dolly Rocker
    • By Dolly Rocker 18th Sep 16, 9:39 PM
    • 2,246 Posts
    • 5,745 Thanks
    Dolly Rocker
    I will be here for years, plan is to get debt free, save for a deposit, buy a house, become mortgage free then start thinking about retirement planning.

    God I literally have my whole life planned out

    Sounds like a great Sunday you had, I also ate way too much but like you say not too worried if I do put on any weight it will come back off again.

    Dxxx
    ***Diet 27lbs/84lbs***
    ***Debt £6,186.67/£14,523.76***
    ***Home Savings £0.00/£25,000.00***
    WW Support Thread 2016
    • louby40
    • By louby40 19th Sep 16, 6:06 AM
    • 455 Posts
    • 982 Thanks
    louby40
    Good morning!

    It's a brand new week and closer to payday! You can do this!

    Louby
    Sept 16 - Barclaycard £540 0% First Direct £870 0% Parents £2995 = £4405
    Aug 16 - Barclaycard £668 0% First Direct £900 0% Parents £3295 = £4863
    Car loan £5803 Mortgage £100,883
    • hannahroberts1985
    • By hannahroberts1985 19th Sep 16, 7:36 AM
    • 432 Posts
    • 762 Thanks
    hannahroberts1985
    Morning PSL,

    Sounds like you've had a tough weekend. Like Louby said it's a new week! Let's do this!!! Xxx
    OD £1200 Now£0Credit Card 0% £2272.20 Now:£1972 Loan£4540.84 Now:£4151.22 Next account: £49 Now £0DFS:£1017 Now:£787.51
    Total Debt June 2016 £8996.47 Now:£6905.7223% down
    Savings:£1676 Car mot/repair fund £80 Christmas fund £35 Birthday fund £45
    Noodle June 2016: 548 Now: 569
    Clearscore July 2016:448
    • Poor_Single_lady
    • By Poor_Single_lady 19th Sep 16, 8:38 AM
    • 308 Posts
    • 721 Thanks
    Poor_Single_lady
    Hello lovely ladies. Thank you all so much. Much sense has been spoken. I am on board. Lets all take on this week together and spend as little as possible.
    Today is NSD. No 2 ways about it! Not much more to add on that. NSD covers it all really. I've got outfits for the week and i know what I am going to eat and where i am going to go.

    7 days to payday hurray! Although once it arrives it's not to be spent spent but that's for another day.
    Good luck to all. xxx
    Debt at June 2016 £14,600
    Plan for 25.08.16 Debt £14,000
    Plan for 25.11.16 Debt £13,000
    loan end date Oct 2017 Freeing £153/month
    Plan stay out of overdraft improve credit history
    • Poor_Single_lady
    • By Poor_Single_lady 19th Sep 16, 8:45 PM
    • 308 Posts
    • 721 Thanks
    Poor_Single_lady
    So today was NSD. Very pleased I managed to not make the situation worse. I did look up cosmetic surgery prices for next year. I do feel this is essential if I get a work bonus. Not the ones that cost thousands, just the minor ones.

    So today went to plan. Made lunch for tomorrow which should put me on right track. Need to take enough things to eat to work and then not go out for lunch. Then come home, lock the door and stay in. Simple.

    Next month mbna £7900, loan £1838, sainsbury £3010, overdraft nil and credit card tbc.

    Annoying email from mbna advising they are delaying the direct debit by 7 days from now on. How can anyone think this is remotely helpful! Annoying as so far they have been very good. I will give them a call to see about putting it back to the right date.
    Not long to go now. 11 days to october and 7 to payday.
    Debt at June 2016 £14,600
    Plan for 25.08.16 Debt £14,000
    Plan for 25.11.16 Debt £13,000
    loan end date Oct 2017 Freeing £153/month
    Plan stay out of overdraft improve credit history
    • StokieBecks
    • By StokieBecks 19th Sep 16, 8:54 PM
    • 4,167 Posts
    • 24,267 Thanks
    StokieBecks
    Have a read of Martins blog about the MBNA date thing. You need to factor in the extra interest you will be accumulating to see if you need to change how much you are putting towards it

    http://www.moneysavingexpert.com/news/cards/2016/09/mbna-credit-card-customers-may-face-extra-interest-as-payment-due-date-is-extended
    • Poor_Single_lady
    • By Poor_Single_lady 19th Sep 16, 10:15 PM
    • 308 Posts
    • 721 Thanks
    Poor_Single_lady
    Thank you for the link. I had a look and there was something on there about balance transfer cards as well. (i have all 0% but 1 at 18%) So i applied and got accepted for 0% 18 months limit £2000.
    Going to transfer £1700 which leaves a small amount at 18% which I should pay off by christmas. I hope i do. Haven't done this yet. The fee is around 1 months interest.

    Thank you so much for this!
    Even more reason for intense posting from now on. This will mean once loan is paid off everything is 0% but from january nothing will attract interest. Feel a bit anxious about adding to my cards total but if I can make this work it will be the right thing in long run.

    Total credit limit in my name is £27,300. Over a quarter of my mortgage.
    This is a bit frightening and when I can close some accounts I will feel better. This does includes total loan of £5,500 originally and £500 overdraft. Not near the limit but need to make myself behave to sort this out.
    My diary is basically empty in october, not voicing this to my friends and hopefully they all think I am mega busy rather than the truth!

    But tommorow is Tuesday. Planned NSD.
    Debt at June 2016 £14,600
    Plan for 25.08.16 Debt £14,000
    Plan for 25.11.16 Debt £13,000
    loan end date Oct 2017 Freeing £153/month
    Plan stay out of overdraft improve credit history
    • Poor_Single_lady
    • By Poor_Single_lady 20th Sep 16, 7:43 PM
    • 308 Posts
    • 721 Thanks
    Poor_Single_lady
    Stuck to plan today. 6 days to payday. Got lunch organised tomorrow. Just need to stick to the wednesday plan and get home in budget. Its up in the air tommorow. Im hoping its very cheap and no eating. Work is very busy right now and i am leaving at 5 all week. That wont go down well but i think I need my evenings right now.

    Did laugh when i got home hsbc writing to me with loan rates 3.3%. Except I already know my rate is a whopping 8%. But i also know I am never ever getting another loan. Absolutely hate it. £153 every month for nothing. Officially 13 payments left but probably more like 6. At the end of the month £1838. Almost there. Not long to go, if I stick to the plan for each day it will all come good in the end.
    So for tomorrow stick to wednesday plan. That is all. xxx
    Debt at June 2016 £14,600
    Plan for 25.08.16 Debt £14,000
    Plan for 25.11.16 Debt £13,000
    loan end date Oct 2017 Freeing £153/month
    Plan stay out of overdraft improve credit history
    • hannahroberts1985
    • By hannahroberts1985 20th Sep 16, 7:51 PM
    • 432 Posts
    • 762 Thanks
    hannahroberts1985
    Evening PSL

    It really is about taking it a day at a time. Some days are easier then other some are a lot harder. The harder ones have the biggest impact on our bum debt free days so be strong and think of the end goal! Xx
    OD £1200 Now£0Credit Card 0% £2272.20 Now:£1972 Loan£4540.84 Now:£4151.22 Next account: £49 Now £0DFS:£1017 Now:£787.51
    Total Debt June 2016 £8996.47 Now:£6905.7223% down
    Savings:£1676 Car mot/repair fund £80 Christmas fund £35 Birthday fund £45
    Noodle June 2016: 548 Now: 569
    Clearscore July 2016:448
    • Poor_Single_lady
    • By Poor_Single_lady 21st Sep 16, 11:32 PM
    • 308 Posts
    • 721 Thanks
    Poor_Single_lady
    Hannah you are right. Stuck to the wednesday plan. Spent £15.

    Tommorow should be nsd, lunch organised and evening at home.
    go to work, come home, stay at home. Wait till friday to do food shop, but make list tommorow. Might do mini food shop Friday and proper after payday.

    But tommorow nsd. No evening activities. Hopeful for early night.
    Debt at June 2016 £14,600
    Plan for 25.08.16 Debt £14,000
    Plan for 25.11.16 Debt £13,000
    loan end date Oct 2017 Freeing £153/month
    Plan stay out of overdraft improve credit history
    • Poor_Single_lady
    • By Poor_Single_lady 22nd Sep 16, 7:47 PM
    • 308 Posts
    • 721 Thanks
    Poor_Single_lady
    Stuck to the thursday plan. nsd. Plan for tommorow just possible food spend in the evening. Very quick post. Very long day.
    Debt at June 2016 £14,600
    Plan for 25.08.16 Debt £14,000
    Plan for 25.11.16 Debt £13,000
    loan end date Oct 2017 Freeing £153/month
    Plan stay out of overdraft improve credit history
    • Poor_Single_lady
    • By Poor_Single_lady 23rd Sep 16, 7:50 PM
    • 308 Posts
    • 721 Thanks
    Poor_Single_lady
    Deviated from the plan slightly. Coffee at lunch time with work colleague but the office was driving me absolutely insane. Just totally had to escape. Spent £2.40 which is ok.

    Staying in tonight. Food shop tommorow morning. I have everything I need tonight. Cooked spaghetti for tonight's tea and curry defrosting for tomorrows tea. Next weekend i am going to order a dominos. I absolutely love it and need to factor in a few planned treats. Debt busting is much easier with a full tummy and small things to look forward to. Also once the exams are done i am going to go to the cinema a lot more. I love going, but go so very rarely so plan to change this.

    Today and yesterday a success's. Tommorow i budget £15 for saturday and sunday and in addition £15 food shop of the £80 for the month.

    This week in isolation has gone well. Next week i have 2 lunches out which will impact things a bit but no evening plans at all so could be ok. Plus excitement of loan going down to £1838 and maximum of 12 payments.
    All good for the time being.

    See what tommorow brings.
    Debt at June 2016 £14,600
    Plan for 25.08.16 Debt £14,000
    Plan for 25.11.16 Debt £13,000
    loan end date Oct 2017 Freeing £153/month
    Plan stay out of overdraft improve credit history
    • Poor_Single_lady
    • By Poor_Single_lady 24th Sep 16, 9:19 AM
    • 308 Posts
    • 721 Thanks
    Poor_Single_lady
    Such a lovely morning. Cool but sunny. Makes the world feel a lot happier.

    Been to tesco this morning £16 which is over budget. If I had gone to lidl would have been in budget. Overall within budget tho. Not a great shop.

    Good
    Milk
    Peppers
    Bread
    Flatbread
    Carrots
    Mushrooms
    Yoghurt
    Flowers
    Bananas
    Toothpaste

    Bad
    Poppadomms
    Crisps
    Cake
    Crumpets

    Its 2 days to payday. Feel quite heartened, this means only 6 months left of loan. Can't wait till i am in a position to clear it and then onto the credit cards. And one day, one day plan a holiday without feeling layers of guilt.

    I now have 5 credit cards and its even more important to manage them well. 3 cut into bits and 2 in use but being managed.
    Overdraft being cleared on Tuesday and october being careful. November being strict and boring and december organising christmas as best i can.
    Debt at June 2016 £14,600
    Plan for 25.08.16 Debt £14,000
    Plan for 25.11.16 Debt £13,000
    loan end date Oct 2017 Freeing £153/month
    Plan stay out of overdraft improve credit history
    • hannahroberts1985
    • By hannahroberts1985 24th Sep 16, 9:27 AM
    • 432 Posts
    • 762 Thanks
    hannahroberts1985
    Morning, I just accidentally pressed the spam button on your last post. Sorry if you get a message or anything I've I clicked it now. Silly phone and his website don't always mix.

    I love poppadoms I always keep a packet if them or buy nice naans to go with homemade curry to make it feel like more of a treat and hopefully stop me ordering takeaway. Carbs are my fav!!

    Hope you have a nice weekend xx
    OD £1200 Now£0Credit Card 0% £2272.20 Now:£1972 Loan£4540.84 Now:£4151.22 Next account: £49 Now £0DFS:£1017 Now:£787.51
    Total Debt June 2016 £8996.47 Now:£6905.7223% down
    Savings:£1676 Car mot/repair fund £80 Christmas fund £35 Birthday fund £45
    Noodle June 2016: 548 Now: 569
    Clearscore July 2016:448
    • Poor_Single_lady
    • By Poor_Single_lady 24th Sep 16, 8:36 PM
    • 308 Posts
    • 721 Thanks
    Poor_Single_lady
    Haha. This made me laugh. I am very good at pressing wrong buttons too.

    Spent £5.20 on coffee and cake today then dinner at home. Feel very spendy. 2 more days to payday but lots of payday rules to stick to.

    What a horrible struggle this whole debt thing is.


    Mbna £8000 reducing to £7920
    Loan £1991 reducing to £1838
    Sainsbury £3080 reducing to £3010
    Hsbc - trying to do Halifax transfer to 0% (with thanks to this forum) but need to do over the phone once account is all processed
    Overdraft £250 to be paid in full on tuesday.

    Minimal plans for october
    And less for November
    December is obvi Christmas and also big family birthdays so need to wait and see that far ahead.

    Positive for october.
    Then downhill to Christmas
    Then just 3 months of life for loan. Countdown from 1st jan.

    Its going to all get sorted!
    Debt at June 2016 £14,600
    Plan for 25.08.16 Debt £14,000
    Plan for 25.11.16 Debt £13,000
    loan end date Oct 2017 Freeing £153/month
    Plan stay out of overdraft improve credit history
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