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  • FIRST POST
    • Poor_Single_lady
    • By Poor_Single_lady 31st May 16, 2:36 PM
    • 458Posts
    • 1,082Thanks
    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 21
    • Dolly Rocker
    • By Dolly Rocker 9th Oct 16, 12:38 PM
    • 2,657 Posts
    • 7,060 Thanks
    Dolly Rocker
    That's the way to do it PSL.

    Break it down into smaller bits, mark it off each day then before you know it you will be loan free!

    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
    • Seasidegal58
    • By Seasidegal58 9th Oct 16, 12:43 PM
    • 499 Posts
    • 2,495 Thanks
    Seasidegal58
    Have been reading through your diary the last few days and am subscribing. Debt busting is hard when you are young and the social scene and life beckons but you have been coping extremely well. You'll soon be wearing the lovely coat!
    Finally Debt Free! - July 2016
    Scrimpy Goal - Emergency Fund - £10,000
    Currently: £6027.22 (25/11/2016)

    My debt free diary - " Paid off the £31,000 - BUT still scrimping!"

    NST: December 2016- NSDs: 2/15
    • Poor_Single_lady
    • By Poor_Single_lady 9th Oct 16, 4:46 PM
    • 458 Posts
    • 1,082 Thanks
    Poor_Single_lady
    Thank you seasidegal. I am trying so hard. But I know its very boring and moany. I think once the loan is gone this will be the turning point.
    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, 5:59 PM
    • 2,657 Posts
    • 7,060 Thanks
    Dolly Rocker
    You are not boring & you certainly aren't moany.

    It's just that you are voicing all those wee thoughts running through your head regarding the debt.

    Mine is the same, I just need to get it out then I feel better.

    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 10th Oct 16, 11:06 PM
    • 458 Posts
    • 1,082 Thanks
    Poor_Single_lady
    It us exactly like that Dolly. Very tired today, long day. 171 days of loan. 21 days to november, 63 meals.

    Today was nsd, cooking and housework tonight.
    Tommorow need to go to tesco for a few essentials but take lunch in and have dinner planned then no social. Then its wednesday (and bake off).
    Oh and I need to note that I walked to train after work which is an improvement, will do tues, wed. Probably (depending on exact plans) thurs and fri. It should be a few quiet weekends coming up, a few lol key and cheap pub visits but nothing that should cause too many problems.
    Trying hard to be sensible.
    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 11th Oct 16, 8:28 AM
    • 2,657 Posts
    • 7,060 Thanks
    Dolly Rocker
    I am so tired this morning, had such a lazy day at home yesterday & I am paying for it now, didn't sleep too well last night.

    Well done on your NSD yesterday.

    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 11th Oct 16, 5:10 PM
    • 383 Posts
    • 617 Thanks
    reality_check
    Your trying hard is def paying off, just think what the old you would have been spending. I love the bake off, Selasi is my favourite this year. The apprentice has also started last week that is another one my fav programs to watch x
    • ramblehan
    • By ramblehan 11th Oct 16, 7:25 PM
    • 345 Posts
    • 686 Thanks
    ramblehan
    well done you on the walking to work - I love walking, but sadly have to drive to work out here in the sticks. I swear it makes you so fit!

    Hope you are good. Ramble x
    LBM June 2015: £24025.75!
    The big bad three:£22,034 8.8% down 91.2% to go:
    Tax savings: £400/£1800
    'Very little is needed to make a happy life' Marcus Aurelius
    • Poor_Single_lady
    • By Poor_Single_lady 11th Oct 16, 9:19 PM
    • 458 Posts
    • 1,082 Thanks
    Poor_Single_lady
    Hi Dolly, Reality and Ramble,
    Everyone needs a few lazy days dolly, life is so busy, all the time rushing about, we need time at home recharging our batteries. Reality love the apprentice but its so brutal and fierce, but also quite silly and embarrassing, sometimes you feel like you don't know where to look.

    Today I feel a bit guilty, I bought the coat, its being delivered this week. Then went for lunch with a friend and then to Tesco. That is too much spending, but I need to be warm and as a single person it is important that my tummy looks as non-round as possible so although its a big splurge and not essential, it is important. I put on the credit card and paying off on payday. Also increased mbna limit to £5,800 so waiting for one of their low rate letters and then will transfer last bit of hsbc. November will be a bit easier and I will be wearing my coat (but do need some shoes). Cross that when it comes.

    Tesco shop
    £7 wine - 4x 1 person bottles
    Foil
    Bananas
    Milk
    Orange juice
    Tomatoes
    Curry sauce

    So 170 days left of loan and 20 days till november or 60 meals. Seeing friend friday night and getting hair cut so could potentially have a successful rest of month.
    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 12th Oct 16, 8:41 AM
    • 2,657 Posts
    • 7,060 Thanks
    Dolly Rocker
    We so do don't we.

    Good for you, the coat will be much needed when we get proper wintery weather.

    I had a BT from MBNA last week so got one of my card moved over there to 0%, will help out massively.

    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 12th Oct 16, 8:40 PM
    • 458 Posts
    • 1,082 Thanks
    Poor_Single_lady
    169 days of loan.
    19 days till november. 57 meals
    Nsd today, I didn't realise till I got home. But I did see some shoes I will buy. I had my last trainers for about 6 years until i threw them out, so if I buy these and keep for just 2 years it is £3.25 a month. They are £75 but exactly what I need.
    Take lunch tommorow and home in the evening for apprentice. Then meeting friend for cheap dinner Friday. Then very lowkey weekend. No pub, see family and be at home. Can not wait to get a credit card statement with no debits. This is the dream.
    Debt at June 2016 £14,600
    2017 pay off loan and first credit card
    Have less debt and be happier
    • Seasidegal58
    • By Seasidegal58 12th Oct 16, 9:13 PM
    • 499 Posts
    • 2,495 Thanks
    Seasidegal58
    Love the way you costed per wear the trainers!
    Finally Debt Free! - July 2016
    Scrimpy Goal - Emergency Fund - £10,000
    Currently: £6027.22 (25/11/2016)

    My debt free diary - " Paid off the £31,000 - BUT still scrimping!"

    NST: December 2016- NSDs: 2/15
    • Dolly Rocker
    • By Dolly Rocker 12th Oct 16, 10:20 PM
    • 2,657 Posts
    • 7,060 Thanks
    Dolly Rocker
    Well done on your NSD my sweet.

    75.00 is good because you want to get a good pair that will last but will be comfortable & give you the support you need.

    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 14th Oct 16, 8:00 AM
    • 458 Posts
    • 1,082 Thanks
    Poor_Single_lady
    Bought the shoes. Now I have put my credit card in the freezer. I think both are good decisions.

    Now to manage on the remainder of the current account till payday. I hope it can be done. I see lots of evenings at home.

    167 days of loan. 17 days till.november.

    Thank you Dolly and Seaside. I think you helped me to realise that I cant continue.into the winter wearing sandals.

    One good thing at work - the.numbers look quite strong despite the brexit.so it is likely.there will.be a small bonus which means this 167 number is looking correct. I hope so very much, but im also prepared for there to be none because its not guaranteed so cautiously hopeful on this.
    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 15th Oct 16, 8:39 AM
    • 458 Posts
    • 1,082 Thanks
    Poor_Single_lady
    166 days of loan. And 2 weeks till next payment going down to £1685 from original £5500
    16 days till november
    In tonight but seeing.friends today, should be low spend.
    Leg wax this morning -oh the pain and then small food shop.

    2 weekends to pay day. Ate too much last night. Going to try much harder to be healthier.

    Mbna only has 24 months at 0%. Hopefully I will be able to balance transfer if I have closed a loan and 2 or possibly 3 credit cards I would expect to be able to get a 0% deal.

    Next month I have some time of and going to.do as little as possible and wear my coat and shoes.

    Going to put travel and phone on credit card before payday but nothing else and then it is being returned.to the freezer.
    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 16th Oct 16, 7:27 AM
    • 458 Posts
    • 1,082 Thanks
    Poor_Single_lady
    165 days of loan. 10 to payday. Out monday, tues, hair on saturday, then quiet to payday.
    I promise myself november will be better. Minimal clothes, finish christmas shopping, less social, less pub, on target food shop, films and more time at home.
    Then onto december (mostly low spending planned). I will not get drawn into any crazy spending or theatre or Hammersmith apollo or wembley or twickenham rugby or handbags, or winter wonderland or last minute weekends away or anything else that is disproportionately expensive and cause a derailment.
    Then into 2017 which will be better.
    Debt at June 2016 £14,600
    2017 pay off loan and first credit card
    Have less debt and be happier
    • Cailbhinn
    • By Cailbhinn 16th Oct 16, 8:54 AM
    • 88 Posts
    • 260 Thanks
    Cailbhinn
    Are you my doppelganger? Just read all of your thread and I'm amazed at how close your situation resembles mine P_S_L. I can relate to many things including the fear of telling parents and also the lack of support from friends. You're doing so well and I hope to continue to enjoy your diary for a long time.
    Starting Debt (31 Oct 2016) - £12,956 | Current Debt (31 Oct 2016) - £12,956 (0% paid)
    • louby40
    • By louby40 16th Oct 16, 12:34 PM
    • 560 Posts
    • 1,325 Thanks
    louby40
    Keep going PSL, you;re doing great!
    Dec 16 Barclaycard £73 0% First Direct £1179 0% Parents £2125=£3377
    Nov 16 Barclaycard £73 0% First Direct £1179 0% Parents £2425= £3677
    Sealed Pot Challenge 10 #572
    Car loan £5024 Mortgage £99,720
    • lulabelle
    • By lulabelle 16th Oct 16, 3:45 PM
    • 820 Posts
    • 2,089 Thanks
    lulabelle
    PSL don't worry about the fact you are 30 and still in debt. I was somewhere between 30 and 32 (can't quite remember) when I paid off my debt despite at that time being a lawyer (so on a good salary). Most of it had been because I was living well beyond my means. I've since become a lot more sensible. I never told my parents how much debt I was in as they'd have really gone mad and worried. Just keep plugging away and you will get there x
    I want to be a writer
    • Cailbhinn
    • By Cailbhinn 16th Oct 16, 6:18 PM
    • 88 Posts
    • 260 Thanks
    Cailbhinn
    PSL don't worry about the fact you are 30 and still in debt. I was somewhere between 30 and 32 (can't quite remember) when I paid off my debt despite at that time being a lawyer (so on a good salary). Most of it had been because I was living well beyond my means. I've since become a lot more sensible. I never told my parents how much debt I was in as they'd have really gone mad and worried. Just keep plugging away and you will get there x
    Originally posted by lulabelle
    I'm in a similar boat too lulabelle - professional, good wage but champagne lifestyle on Irn Bru wages!. Glad to see there is light at the end of the tunnel.
    Starting Debt (31 Oct 2016) - £12,956 | Current Debt (31 Oct 2016) - £12,956 (0% paid)
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