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    • Poor_Single_lady
    • By Poor_Single_lady 31st May 16, 2:36 PM
    • 454Posts
    • 1,060Thanks
    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 20
    • Poor_Single_lady
    • By Poor_Single_lady 2nd Oct 16, 5:55 PM
    • 454 Posts
    • 1,060 Thanks
    Poor_Single_lady
    Thank you. Its not the most successful of diaries and very slow. Im already looking at october payday. Feels miles away.
    Food shop today, I seem to have run out of everything all at once.

    Sausages
    Beef burgers
    Quavers
    Tomatoe sauce
    Oven chips
    Frozen peas - the trigger for the shop

    Still need rice
    Then next week need to make curry and spaghetti bolognese for freezing.

    Total spend £13.
    Will go again friday. Think will go over budget this month.
    This weeks a bit funny with a few unusual things coming up.

    24 days to pay day
    Next month
    Mbna £7800
    Sains £2950
    Loan £1685
    Halifax £1854
    Overdraft nil
    Hsbc cc tbc depending on rest of month, plan to close by end of jan if on track.
    Next month travel cost moves to bank account instead of credit card. This makes me feel like I am making progress albeit very slow right now.
    Need a few more days at home.
    Debt at June 2016 £14,600
    2017 pay off loan and first credit card
    Have less debt and be happier
    • Poor_Single_lady
    • By Poor_Single_lady 3rd Oct 16, 9:23 PM
    • 454 Posts
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    Poor_Single_lady
    Spent money on lunch today and will do tommorow too. Not great but it felt unavoidable. I know they creep up but there are a few problems at work and going for lunch with your best work friends can really help the situation for everyone. A fresh prospective can make everything easier.
    But I do know this is not great behaviour.

    £8 lunch out
    Then chicken, veg and rice and flatbread for dinner.
    Tommorow lunch out then beans on toast
    Wed no spending
    Thur minimal in day then out for dinner.
    Fri possible nsd.

    So from this point slightly less than 6 months of loan left provided everything goes to plan.
    Trying to make a plan from march onwards but I think its best left to the time. I imagine I will try to resist the urge to book a holiday, its a strong urge at the moment. I may give in next year depending on how things look and what friends are available.

    Also just because this is the place for honesty (I honestly have lots of friends but none i can tell about this) I met a man very recently. I can 100% tell he is bad bad news but i am more attracted to him than I have been to anyone for a long long time. A bit annoying. Wish I could be attracted to stable and loyal librarians but I seem to love everything that is bad for me. I cant let him know first but if the opportunity comes up I cant make myself not want to take it. Tall and non smoking, tattoos (I love men with tattoos) and 3 years younger than me! I need to get to know him better so I realise that he isn't all that! But in the mean time its so very annoying!
    Debt at June 2016 £14,600
    2017 pay off loan and first credit card
    Have less debt and be happier
    • Dolly Rocker
    • By Dolly Rocker 4th Oct 16, 8:28 AM
    • 2,646 Posts
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    Dolly Rocker
    Glad you enjoyed your lunch PSL, sometimes you just need a wee time out with your work BFF don't you.

    I have my finances planned out literally until 2021

    Not even kidding!

    Oh really!!! Well keep us posted on how you get on, I remember that is how I felt about my DH when I first met him

    Dxxx
    Debt Free by Xmas 2017 6,186.67/14,523.76
    Saving for Xmas 2017 0/365
    Goal Weight by August 2017 27lbs/84lbs
    Mortgage Savings 2020 0/25,000
    • Poor_Single_lady
    • By Poor_Single_lady 4th Oct 16, 7:31 PM
    • 454 Posts
    • 1,060 Thanks
    Poor_Single_lady
    Aww thanks Dolly. Going off track a bit but I just look at this boy and think oh my goodness he is so good looking and he is choosing to talk to me! Then I normally panic and then say something weird and then later realise what I should have said. There is a comedian roisin something and she explains what happens in this situation so well, I think we are the same. Will see what happens, if anything, probly nothing (and maybe that's best).

    Anyway today spent £14 at lunch and baked beans for tea. Home now for evening. The time to pay day from now is quite crucial. 3 weeks and 1 day, its so long. The things that will cause problems include the dreaded socialising and eating too much.
    On payday I am going to buy a new duvet and get my hair done. Trying to keep everything as empty as possible, Nandos trip with friend not.seen in ages next week, then full effort into avoiding the unnecessary spending at all costs. Will see how it goes. xxx
    Debt at June 2016 £14,600
    2017 pay off loan and first credit card
    Have less debt and be happier
    • Dolly Rocker
    • By Dolly Rocker 4th Oct 16, 8:22 PM
    • 2,646 Posts
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    Dolly Rocker
    Awwww I love that feeling!

    I will be having baked beans with boiled egg for dinner tomorrow.

    I'm going to have to arrange a wee date with my old Sunday team from work plus meet my friend from college so need to keep pennies for that too!

    Grrrrrrrrrr sometime wish I could just switch off life until I am in a better place financially but then if I did that I would be miserable & probably spend to cheer myself up.

    Dxxx
    Debt Free by Xmas 2017 6,186.67/14,523.76
    Saving for Xmas 2017 0/365
    Goal Weight by August 2017 27lbs/84lbs
    Mortgage Savings 2020 0/25,000
    • reality_check
    • By reality_check 5th Oct 16, 8:28 AM
    • 377 Posts
    • 612 Thanks
    reality_check
    You are doing so well, it's not easy but it will be worth it. Why is this new admirer so bad for you? You never know he might just surprise you! xx
    • Poor_Single_lady
    • By Poor_Single_lady 5th Oct 16, 4:12 PM
    • 454 Posts
    • 1,060 Thanks
    Poor_Single_lady
    I hope he does suprise me! He is the kind of man that dates too many women I think. Like I think he hasn't yet realised it is quality over quantity! For want of a better word I think he is a player. Will see what happens if anything.

    Spent £16 today. £11 at Sainsbury's. £5 charity donation at work. Not been asked im a while so did quick £5.
    Bank account £200
    In purse £100
    For 3 weeks for everything! Could be tough from here but im trying and working hard. xxx
    Debt at June 2016 £14,600
    2017 pay off loan and first credit card
    Have less debt and be happier
    • Dolly Rocker
    • By Dolly Rocker 5th Oct 16, 5:14 PM
    • 2,646 Posts
    • 7,044 Thanks
    Dolly Rocker
    Maybe that's because he hasn't met the right person yet, that could be you!

    You can get through the month on that amount, I have every faith in you.

    Dxxx
    Debt Free by Xmas 2017 6,186.67/14,523.76
    Saving for Xmas 2017 0/365
    Goal Weight by August 2017 27lbs/84lbs
    Mortgage Savings 2020 0/25,000
    • reality_check
    • By reality_check 6th Oct 16, 11:05 AM
    • 377 Posts
    • 612 Thanks
    reality_check
    Sounds like me, I was with the same person for 13 years, then the past 3 years it has just been disaster over disaster, I always pick the wrong ones. Tinder didn't help lol. Worst thing is I'm never under any illusion I know they aren't right for me but think I can change them lol I have met someone recently but he's 27...I'm 34 but he really is lovely, but it is very early days. I hope this one is a prince and not a frog for you xx
    • reality_check
    • By reality_check 6th Oct 16, 11:09 AM
    • 377 Posts
    • 612 Thanks
    reality_check
    And charity donations in work drive me up the wall!! It is the one's that come round and pester you constantly, can't get away with saying you have no money as they are never really collecting the money there and then. I think it should be a Justgiving page that's set up, with an email sent and left at that! Half the time in my work it's never the people I work with, always their sisters, friends, counsins, wife who's running a marathon!!
    • Poor_Single_lady
    • By Poor_Single_lady 6th Oct 16, 6:24 PM
    • 454 Posts
    • 1,060 Thanks
    Poor_Single_lady
    Aww Reality Check it will come good. Its just hard if you like the bad ones best! I like your cougar style if you don't mind me saying. I used to only date older but now I think dating young is the way forward. 27 is fine anyway. Its not like he is too young for anything.
    Dolly I think he does need to meet the right one and then he will behave. When i am with him I would like to see if that is me! I don't like putting specifics in here so I wont say where i know him from but its a place where its kind of difficult to swap numbers or anything so it might be a slow burner or a no burner.
    Spent a bit today, but all essential and in cash. Out to dinner tonight too (I know- i will.never pay it off it I keep spending. Yes agreed I know)
    Debt at June 2016 £14,600
    2017 pay off loan and first credit card
    Have less debt and be happier
    • Dolly Rocker
    • By Dolly Rocker 6th Oct 16, 6:45 PM
    • 2,646 Posts
    • 7,044 Thanks
    Dolly Rocker
    Enjoy your dinner my sweet!

    Catch up with you tomorrow.

    Dxxx
    Debt Free by Xmas 2017 6,186.67/14,523.76
    Saving for Xmas 2017 0/365
    Goal Weight by August 2017 27lbs/84lbs
    Mortgage Savings 2020 0/25,000
    • Poor_Single_lady
    • By Poor_Single_lady 7th Oct 16, 1:45 PM
    • 454 Posts
    • 1,060 Thanks
    Poor_Single_lady
    This month is a bit funny, lots out of the ordinary, i cant wait to get back into routine and have some evenings at home. My dad paid for dinner last night. They were very cross at the idea of any payment or contribution so that worked out well.
    I went to the shops this morning, spent £127 on clothes. It is a lot of money but I do need them. Resisted urge to buy £130 coat but came home still thinking about it. Not sure if I will buy. I do love it.
    Food shop tommorow, I have enough at home for today and getting eyebrows done tommorow so can combine the 2. Then weekend at.home and parents and friends house, no expensive outings and staying out of the pub.
    The next work week is fairly quiet. Just lunch on friday but its 3 weeks to payday which is an exceedingly long time.
    The loan I have has a payment break every January so 3 payments to end of feb.
    Now £1838
    28 oct £1685
    Nov £1532
    Dec £1379
    Feb £1226
    Mar £1073
    Need to clear this, halifax and hsbc cc
    Then onto the rest.
    Not there yet and the clothes spending will not help. I've started using all the things I own like nail treatments and skin creams and watching all my dvds, trying to fool my brain into thinking that I have loads and don't need to keep spending. With or without the coat it is going to be a quiet run up to payday. But I think I will have a look for other cheaper similar coats and see what I can find. I just want something grown up, flattering and classy but not boring. Might buy this next week. At least not today and that is an achievement!
    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 7th Oct 16, 2:47 PM
    • 377 Posts
    • 612 Thanks
    reality_check
    Don't buy the coat!! Can someone buy it for your Christmas? Have a look through jackets from last year or years before and hopefully you will find one you've forgotten about and love just as much!!

    Not long until the loan will be gone, months pass as quick as a few weeks these days, can't believe it's nearly Christmas again!!

    Have a good weekend x
    • Poor_Single_lady
    • By Poor_Single_lady 7th Oct 16, 10:49 PM
    • 454 Posts
    • 1,060 Thanks
    Poor_Single_lady
    I do really want this coat. My mum would never spend that much on a coat-She would tell me off! I can see myself wearing it to work and pub and looking really happy. Going to hold off till at least monday. I do have some winter coats from budget shops but I.dont think I have ever had one as nice as this. But Reality you are 100% right in your post.
    I might make myself have beans on toast 2 days a week. No beauty supplies unless something runs out, walk to train after work, make november as frugal and lean as possible with aim of reading a few books, few meals at my mums house, no additional social. If I wear the coat from oct-feb its £25 per month. Well going to hold on to at least monday.
    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, 8:41 AM
    • 377 Posts
    • 612 Thanks
    reality_check
    I don't think the coat isn't worth the money, I believe that things like a coat, good pair of boots, shoes and bags are always worth extra. I never used to be like this I would buy loads for my money but now I would rather just one thing, quality over quantity. I love how you broke down the coat to £25 a month this is something I do all the time

    Do you give yourself 'pocket money'? I give myself £200 a month to spend on whatever I want and not feel guilty. When I started at the beginning of the year, I used to throw every last penny at debt when I got paid then of course you need to live so I would then buy things/lunches out/takeaways on a credit card as would get annoyed and tell myself I work hard to then have no money and would think f#@1 the debt busting and spend a fortune. This way works for me, not sure if you do it already if not I would give it a go then things like the lovely coat won't make you feel guilty in buying xx
    • Poor_Single_lady
    • By Poor_Single_lady 8th Oct 16, 2:18 PM
    • 454 Posts
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    Poor_Single_lady
    I've been thinking about this loads this morning. My biggest problem is the loan payment of £153. After I pay this and everything else there is very little left, this makes everything more stressful and much harder. But this payment is the same as the total of 3 of my other cards so it is just ruining everything until it is over. (6 months est). I like the amount of £200/£250 inc clothes and will see how this works in april.

    I am going to buy the coat next week, but with caution it marks the end of all of this nonsense and silly spending. I've spent money on things I don't need and now I am worried about buying basics like coats and shoes and bedding. Excluding Christmas, nov-april are the easier months because I pay my big bills over 10/11 months so some break over this time. Need to keep my head and be sensible on this.

    I would like to have made more progress but i have achieved a good bit in lifestyle changes including no holiday for rest of year, reduced alcohol, reduced takeaways, more cooking, making do, buying less. But obviously could do more. I am going to get into a position to close the first credit card, but might hang onto it until march. Going to meal plan for next week and plan and try and keep low profile to payday and try to keep going till things improve. Been to tesco today which I think brings my food shop over budget as well. So here's to a quiet november. xxx
    Debt at June 2016 £14,600
    2017 pay off loan and first credit card
    Have less debt and be happier
    • Dolly Rocker
    • By Dolly Rocker 9th Oct 16, 9:47 AM
    • 2,646 Posts
    • 7,044 Thanks
    Dolly Rocker
    Once that loan is gone it will make things so much more manageable for you. Not long to go now!

    I like that idea aswell of the budget for guilt free spending, might do that next year if I can.

    You have made so much progress.

    Keep the card till March then as soon as you feel you can cancel it.

    Go you lady!

    Dxxx
    Debt Free by Xmas 2017 6,186.67/14,523.76
    Saving for Xmas 2017 0/365
    Goal Weight by August 2017 27lbs/84lbs
    Mortgage Savings 2020 0/25,000
    • KxMx
    • By KxMx 9th Oct 16, 11:06 AM
    • 6,729 Posts
    • 9,143 Thanks
    KxMx
    I have a second current account with another bank that I use purely for treats and guilt fee spending Apart from the DD to fund it nothing i spend from there goes on my spending diary either.

    I don't carry the debit card though unless there is a planned purchase. That way I have to decide whether the impulse buy is worth the bother of logging on online to transfer the money back to Current Account no.1.
    • Poor_Single_lady
    • By Poor_Single_lady 9th Oct 16, 12:36 PM
    • 454 Posts
    • 1,060 Thanks
    Poor_Single_lady
    Thank you Dolly and Kx.
    The internet tells me I have 172 days to payday in march so the loans days are down to 172.
    Counting them off from now.

    From april i will do a direct debit to a second bank account and see how I get on. I might put in £300 at first and see how It goes. This will work for me i think. Its 2 and half weeks to this payday. Once I get paid i will pay off some of the credit card and buy a new duvet. Once we enter november it should be easier.
    Today will be an nsd because I want that coat!
    Only did food shopping and eyebrows yesterday so a much needed successful weekend.
    Just one lunch and one Nando this week up to saturday morning.
    Also its 22 days till.november. From tommorow 22 evenings and 66 meals. Then from november 150 days of loan life. So focusing on this week as a whole to begin with.
    Debt at June 2016 £14,600
    2017 pay off loan and first credit card
    Have less debt and be happier
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