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  • FIRST POST
    • Poor_Single_lady
    • By Poor_Single_lady 31st May 16, 2:36 PM
    • 455Posts
    • 1,064Thanks
    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 22
    • Poor_Single_lady
    • By Poor_Single_lady 16th Oct 16, 8:23 PM
    • 455 Posts
    • 1,064 Thanks
    Poor_Single_lady
    Awww lulabelle, louby and Cailbhinn thank you for your kind words (and making me laugh too!) . I hope you weren't too bored reading everything. It feels much better having an outlet but I don't think it makes good reading.
    I am trying so hard to be more low key but it is very tough. Im hoping paying off the first debt will be the turning point so I am a bit obsessed with this loan! And I fully agree i don't think my relationship with my parents would recover if they knew what was going on. Amazing as they are, this is a whole level that they cant know about.
    I feel like I am getting more sensible every day, but its a bit late! Damage limitation at the moment, rather than any real progress. Declined my pub invite tonight in favour of staying in and completing non spending day, small steps. xx
    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 17th Oct 16, 11:40 PM
    • 455 Posts
    • 1,064 Thanks
    Poor_Single_lady
    164 days of loan. 9 to payday. 14 to november. Hair appointment and unavoidable dinner out saturday mean inevitable dip into overdraft. But only for 4 days till payday which is progress. Payday next week, minimal spending to November, then a seriously quiet and peaceful november. Minimal minimal spending.
    Debt at June 2016 £14,600
    2017 pay off loan and first credit card
    Have less debt and be happier
    • hannahroberts1985
    • By hannahroberts1985 18th Oct 16, 7:29 AM
    • 514 Posts
    • 867 Thanks
    hannahroberts1985
    Morning PSL, keep taking those small steps and making the good choices. Each one is a step closer to your DFD!!! xxxxx
    OD £1200 Now£0Credit Card 0% £2272.20 Now:£1912 Loan£4540.84 Now:£3959.14 Next account: £49Now £9.99£1017 Now:£741.26
    Total Debt June 2016 £8996.47 Now:£6622.39 = 26% down
    Savings:£1620 Car fund:£150 Christmas fund £0 Birthday fund £75
    Noodle June 2016: 548 Now: 581 ClearScore: July 2016:448 msescore:791
    • Dolly Rocker
    • By Dolly Rocker 18th Oct 16, 10:46 AM
    • 2,648 Posts
    • 7,048 Thanks
    Dolly Rocker
    Hey PSL,

    Loving your posts, good to catch up seeing as I have been AWOL for a few days.

    That's good news about a bonus, that will really help get the number of days that loan has left.

    163 days now!

    Hopefully less.

    Oh & don't worry about being 30 & still in debt, I am 33. Will be 34 before I am debt 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
    • ramblehan
    • By ramblehan 19th Oct 16, 8:23 PM
    • 342 Posts
    • 683 Thanks
    ramblehan
    I've just hit 40.....by the time you reach my fine old age, you'll have £££ in the bank and be enjoying all of life's little luxuries!
    Hope you are well xx
    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 19th Oct 16, 9:40 PM
    • 455 Posts
    • 1,064 Thanks
    Poor_Single_lady
    Thank you Ramble, Dolly (especially for doing my counting yesterday) and Hannah.

    Ramble your note made me laugh, I think i always picture you about 32. Like 18 months older than me. 40 is not old. Im not sure what I plan for between now and 40, maybe a few holidays and I've always wanted to have a cat, maybe learn to drive, be a bit slimmer, maybe tattoo or plastic surgery. Hopefully some or maybe all of this will money be paid back.

    So nice to be at home tonight. Gone backwards this month - but cant be too upset. It will get easier.
    november Payday is 25th so from 1st-payday is 24 days and I intend most to be nsd. Plus from payday next week to 1st nov is very quiet. Just seeing friend at the weekend. Then 5th, 11th, and 19th are days with plans. The others I am going to watch films and pretend to be busy.

    Too much going on right now. Need more down time. Next week just busy fri/sat/sun. Then nothing till 5th. Trying so hard to keep it that way

    162 days till loan paid
    12 till november

    Getting there, but slowly.
    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 20th Oct 16, 8:01 AM
    • 455 Posts
    • 1,064 Thanks
    Poor_Single_lady
    161 days of loan.
    6 to payday.
    35 to november payday
    Back on track but some unavoidables- out for lunch today but then home tonight, lunch tommorow, hair saturday, out saturday night, then home sunday and nsds to payday.
    Then payday
    Loan payment to £1685
    Money to credit card
    Pay all bills
    Out friday 28th
    At friends 29th, low spend
    31 Oct nsd - this is also a work deadline so may work late.
    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 20th Oct 16, 8:34 AM
    • 2,648 Posts
    • 7,048 Thanks
    Dolly Rocker
    I love your lists.

    One day closer.

    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 21st Oct 16, 7:53 AM
    • 455 Posts
    • 1,064 Thanks
    Poor_Single_lady
    Thank you Dolly.
    160 days of loan.
    5 to payday
    10 to november.
    6 to loan payment.

    This month has been Terrible if im honest. Too much going on and too many things needed. Also have niggling worry about my hair straighteners being at least 10 years old. I stood on them a while ago and now have to wiggle them into the socket. If they pack up I will replace them but having lasted 10 years could go at any time.

    After tommorow almost no socialness coming up. Trying to keep it like that as.much as possible. xx
    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 21st Oct 16, 8:58 AM
    • 2,648 Posts
    • 7,048 Thanks
    Dolly Rocker
    I have had my straighteners longer than that I think, dread the day when they give 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
    • Cailbhinn
    • By Cailbhinn 22nd Oct 16, 4:27 PM
    • 88 Posts
    • 260 Thanks
    Cailbhinn
    I have had my straighteners longer than that I think, dread the day when they give up.

    Dxxx
    Originally posted by Dolly Rocker
    My GHDs were 14 years old and were still actually working but the plastic became brittle and snapped.
    Starting Debt (31 Oct 2016) - £12,956 | Current Debt (31 Oct 2016) - £12,956 (0% paid)
    • Poor_Single_lady
    • By Poor_Single_lady 23rd Oct 16, 3:24 PM
    • 455 Posts
    • 1,064 Thanks
    Poor_Single_lady
    Thank you Dolly and Cailbhinn. I love my hair straighteners. I know its vain but without them I will be single for ever (maybe with them given how that's going anyway)

    158 days of loan
    3 to payday

    No social events in calander till friday. None. I've got some busy days at work, but no alcohol or lunches planned. Need a few essentials in boots and will need milk. Saturday cinema and sunday at home.
    Friday is loan payment day, down to £1685. Then only 4 payments left till then end! xx
    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 23rd Oct 16, 3:35 PM
    • 2,648 Posts
    • 7,048 Thanks
    Dolly Rocker
    Eeeeeek 4, 3, 2, 1 - DONE!

    Will be gone in no time.

    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 24th Oct 16, 9:56 PM
    • 455 Posts
    • 1,064 Thanks
    Poor_Single_lady
    157 days of loan left.
    2 till payday.
    7 to november

    Cheese on toast for tea.
    Nsd today and tommorow.
    Last few days to payday.

    Very tired at the moment.
    Looking forward to less lean times. xx
    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 24th Oct 16, 10:00 PM
    • 455 Posts
    • 1,064 Thanks
    Poor_Single_lady
    Thank you Dolly. The day the loan is paid back I see myself getting a bit emotional and having a day time whisky. A most bold activity!!

    Very excited at the thought. I cant celebrate with any real life people because absolutely nobody in my real world will understand but it is going to be good!!!
    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 25th Oct 16, 2:28 PM
    • 377 Posts
    • 612 Thanks
    reality_check
    When the loan is gone will make such a difference. Having that extra money will hopefully mean won't need to use credit cards and they will start coming down...keep going!! I am so disorganised at Christmas, basically have nothing put aside, so going to have to put debt on hold in December and just make minimum payments...can't believe it's November next week!! Hope your straighteners hang in there, not ideal at any time to stop working but at least you know you get good value with GHD's with how long they last and work as good as on day 1 as they do until the day they die! I really want a Dyson hairdryer....xx
    • Poor_Single_lady
    • By Poor_Single_lady 26th Oct 16, 8:04 AM
    • 455 Posts
    • 1,064 Thanks
    Poor_Single_lady
    I would definitely buy ghd's again. They are expensive but 10 years is a massive long time for anything to last. Less than £1 a month, well worth it. (I don't know what they cost now. 10 years ago mine were £125 and that felt like a lot!. I am going to look at these dyson hair dryers. I have an old hair dryer at the moment, still working so looking no buying.
    Reality I read you blog about brand loyalty, got me thinking a lot. I have a lot of loyalty in food shopping, beauty and over loyal to.m and S.

    Its pay day tommorow.and.some bills paid this week, most on 1st.
    155 days of loan
    5 to november.

    November is the month of lean-ness, studying, weight loss, tidy flat and major project at work. 2 big social days, both i am very much looking forward to and 1 family birthday. Plus christmas shopping because its getting so close now.
    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 26th Oct 16, 8:17 AM
    • 2,648 Posts
    • 7,048 Thanks
    Dolly Rocker
    Me too, they are well worth the money you pay for them.

    Oh I love the look of that hairdryer!

    Payday for me is Monday but DH got paid yesterday so have topped up my bank balance.

    You are gonna smash November!

    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
    • ramblehan
    • By ramblehan 26th Oct 16, 12:46 PM
    • 342 Posts
    • 683 Thanks
    ramblehan
    Waving hello. Haven't been on for a few days. Hope you are well. Sounds as if you are living very frugally - the day by day count down is such a great idea - 160 days is NOTHING in the scheme of things.
    I wish I could turn our DFD into days but I think it would freak me out as it's SOOOOO far off.
    Catch up soon. Much love 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 26th Oct 16, 8:32 PM
    • 455 Posts
    • 1,064 Thanks
    Poor_Single_lady
    I hope so Dolly! Ramble the countdown is for the loan only. The rest of it (£13,000) I have no idea. It will be in the years. Tommorow I am putting £40 in my ramble fund making £80 in total.

    I haven't done very well recently. Too much going on. But today at lunch time i i cut my credit card in half. I felt ready so i did it. Its not as much progress as it sounds because I am going to increase my overdraft to £1000 purely as a safety net. (I wouldn't do this if didn't have a mortgage to pay for only by me) i dont intend to use it regularly or ever get near that point. I get paid tommorow and am owed some money for some train tickets plus my pay for unknown reasons seems to have gone up by £50 per month.
    So I am going to try and live without it and see what that looks like. Going to put maximum effort in. Shamefully it should have been close to being paid off but has around £1000 on it. I will get there eventually.
    Tonight home and ate planned dinner pizza with extra topping.
    Tommorow lunch out (but cheap) then beans on toast tea.
    Friday quick post work drink, then dinner at home.
    Tesco earlier - rice, milk, laundry, satsumas, bananas, tinned tomatoes, shower cleaner, marshmallows, ginger biscuits.

    Payday tommorow
    Then onto november. xx
    Debt at June 2016 £14,600
    2017 pay off loan and first credit card
    Have less debt and be happier
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