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  • FIRST POST
    • Poor_Single_lady
    • By Poor_Single_lady 31st May 16, 2:36 PM
    • 945Posts
    • 3,429Thanks
    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 45
    • enthusiasticsaver
    • By enthusiasticsaver 12th Jul 17, 10:09 AM
    • 3,961 Posts
    • 7,112 Thanks
    enthusiasticsaver
    I think it is just a case of being selective PSL. I am sure you cannot be the only one to duck out of work social gatherings. I often have refused invites for various reasons, some cost related but often more convenience. If the social do is after work on one of my non working days then I don't relish driving into the city centre so have no problems making excuses.

    RC has a good idea in that you can look for deals and vouchers online and encourage those people you do want to socialise with to look at more MSE ways of entertaining yourselves. A friend I see regularly has retired recently and I know money is tight for her so we do coffee and cake (we share one slice for diet reasons and cost) and then do a walk afterwards if the weather is nice to prolong the time to chat but make it a MSE outing.
    Countdown to early retirement on 31.12.17 4.5 months to go.
    • Poor_Single_lady
    • By Poor_Single_lady 12th Jul 17, 7:37 PM
    • 945 Posts
    • 3,429 Thanks
    Poor_Single_lady
    I am eating from the freezer tonight. That is good on paper but a bit annoying as I would rather have chips from the chip shop.
    I don't have very nice things in Verbatim.
    Only oven chips, pies, waffles, sausages, bread, steak, frozen curry and spagBol, peas, beans, prawns and chicken nuggets, ice cream and Yorkshire puddings. I think that's it. Cooking lunch for next 2 days too.
    It's a speedy time of year and next month not looking too positive.

    Spent £3 at lunch and £1.50 on milk

    But the flat needs a bit of money quite soon. No plans for weekend which is good.
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • Cumbria lass
    • By Cumbria lass 12th Jul 17, 8:20 PM
    • 375 Posts
    • 844 Thanks
    Cumbria lass
    Wow PSL your freezer is a feast !

    I take a salad everyday to work for lunch, there are no shops nearby . Everyone laughs because I have the same thing, but my salads have all sorts thrown in . I also have loads of fruit.
    July 2017 CC1 3769 CC 2 1150 Emergency Fund £1150

    Debt Free Nov 2019: earlier if I have my way
    • louby40
    • By louby40 12th Jul 17, 8:55 PM
    • 1,010 Posts
    • 2,803 Thanks
    louby40
    I have salad too everyday, no shops near my little village school. It's usually salad leaves, cucumber, peppers, red onion, feta cheese and dressing. I mix it up in the winter and take home made soup or leftovers to warm up in the microwave.

    Rock n roll!
    Parent loan PAID IN FULL Sealed Pot Challenge 10 #572
    Emergency fund £500/£1000. Christmas savings £400/£600
    Kitchen July £12,493 Aug £11,993. Sept. Oct. Nov. Dec
    Barclaycard £522
    Car loan £3472 Mortgage £96,589
    • Verbatim
    • By Verbatim 13th Jul 17, 8:07 AM
    • 4,474 Posts
    • 12,873 Thanks
    Verbatim
    Same here. Usually salad plus something for protein in summer and soup in winter.
    I have a garden and use leaves from there plus some herbs. I have rocket in heaps as it's all self sown from last year and lovely peppery nastusium leaves in pots right now. Lambs lettuce and wild garlic earlier in the year. And the supermarket pot of basil next to my sink keeps on giving as does the parsley one I planted out. However I must be the only person in the world who can't get mint to thrive!
    Have you got a garden or at least window sills for window boxes or pots PSL?
    Sounds like you just need some veg then for quite a few meals.
    CCs @0% £24k Dec 05 £19,621.41 Au £13400 S 12600 Oct £11,981 £9481 £7500 Nov £7250 D £7100 Jan 6950 F £5800 Mar£5400 May £4830 June £4660 July £4460 Aug £3200, S £900, £0 18/9/07 DFW Nerd 042
    • reality_check
    • By reality_check 13th Jul 17, 8:20 AM
    • 614 Posts
    • 1,177 Thanks
    reality_check
    Same here. Usually salad plus something for protein in summer and soup in winter.
    I have a garden and use leaves from there plus some herbs. I have rocket in heaps as it's all self sown from last year and lovely peppery nastusium leaves in pots right now. Lambs lettuce and wild garlic earlier in the year. And the supermarket pot of basil next to my sink keeps on giving as does the parsley one I planted out. However I must be the only person in the world who can't get mint to thrive!
    Have you got a garden or at least window sills for window boxes or pots PSL?
    Sounds like you just need some veg then for quite a few meals.
    Originally posted by Verbatim
    I kill every pot of herbs....however, I currently have a basil and parsley that have lasted for months! They were from Sainsburys...whats your trick to keep them alive?!
    25/01/2016 £18,675.63
    Current debt: £8,450
    • Verbatim
    • By Verbatim 13th Jul 17, 11:37 AM
    • 4,474 Posts
    • 12,873 Thanks
    Verbatim
    Luck!
    But the basil pot instructions said to only water once it's very dry and started to shrivel. And I plant the parsley outside at the first sign of greenfly.
    CCs @0% £24k Dec 05 £19,621.41 Au £13400 S 12600 Oct £11,981 £9481 £7500 Nov £7250 D £7100 Jan 6950 F £5800 Mar£5400 May £4830 June £4660 July £4460 Aug £3200, S £900, £0 18/9/07 DFW Nerd 042
    • reality_check
    • By reality_check 13th Jul 17, 12:37 PM
    • 614 Posts
    • 1,177 Thanks
    reality_check
    Luck!
    But the basil pot instructions said to only water once it's very dry and started to shrivel. And I plant the parsley outside at the first sign of greenfly.
    Originally posted by Verbatim
    Oh well, that is def why mine is surving...everytime I remember to look at it, it's dried up!!
    25/01/2016 £18,675.63
    Current debt: £8,450
    • Poor_Single_lady
    • By Poor_Single_lady 13th Jul 17, 5:45 PM
    • 945 Posts
    • 3,429 Thanks
    Poor_Single_lady
    Awww thank you all. I may just eat the meat/bread/curry/spagBol/ice cream And throw everything else out.
    Going to have chips from chip shop and cook 2 burgers.
    So planned £2spends for today and nothing more till tommorow.
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • Verbatim
    • By Verbatim 13th Jul 17, 11:08 PM
    • 4,474 Posts
    • 12,873 Thanks
    Verbatim
    Don't throw food away! That'd be awful. Think how to use it up and don't buy stuff again if it's not something you'd relish. It would be a total waste of money to buy food and just throw it.
    Shocked of London
    xx
    CCs @0% £24k Dec 05 £19,621.41 Au £13400 S 12600 Oct £11,981 £9481 £7500 Nov £7250 D £7100 Jan 6950 F £5800 Mar£5400 May £4830 June £4660 July £4460 Aug £3200, S £900, £0 18/9/07 DFW Nerd 042
    • reality_check
    • By reality_check 14th Jul 17, 10:06 AM
    • 614 Posts
    • 1,177 Thanks
    reality_check
    I once throw loads of food out just so I could clean out my freezer and start again and it’s in just as much of a mess right now, jam packed and I don’t really like freezing food and eating it, but not very MSE to bin it! Try have a boring few weeks of eating out the cupboards, I plan to do it too xx
    25/01/2016 £18,675.63
    Current debt: £8,450
    • louby40
    • By louby40 14th Jul 17, 10:42 AM
    • 1,010 Posts
    • 2,803 Thanks
    louby40
    We meal plan every week and use up left overs and stuff out of the freezer all the time. We have 2 rogue burgers in the freezer so tonight we're having burgers and salad.

    When my sons go to their dads for tea on a Tuesday we often eat bolognese, chilli out of the freezer or a left over roast dinner from Sunday.

    It's all about planning! It might be boring but I've only spent £42 in Aldi this morning because we're going to use up stuff we already have.
    Parent loan PAID IN FULL Sealed Pot Challenge 10 #572
    Emergency fund £500/£1000. Christmas savings £400/£600
    Kitchen July £12,493 Aug £11,993. Sept. Oct. Nov. Dec
    Barclaycard £522
    Car loan £3472 Mortgage £96,589
    • Cumbria lass
    • By Cumbria lass 14th Jul 17, 11:02 AM
    • 375 Posts
    • 844 Thanks
    Cumbria lass
    My latest use up last night was pasta , put chopped up sausages and left over cooked peppers in the sauce . It was very tasty . Made enough for 4 meals so 3 in the freezer costs me less than £2

    Sorry PSL have took over your diary !
    July 2017 CC1 3769 CC 2 1150 Emergency Fund £1150

    Debt Free Nov 2019: earlier if I have my way
    • Poor_Single_lady
    • By Poor_Single_lady 14th Jul 17, 1:54 PM
    • 945 Posts
    • 3,429 Thanks
    Poor_Single_lady
    I love reading what people are having for dinnner. Often have a look on cooking-for-1-board where people seem to write the things I think in my head.

    I mean on throwing food away- I probably wasn't very clear. I mean if I get to almost the end of emptying the freezer and I have some Ropey waffles tired beans then will let them go. But trying to eat as much as possible - and this morning it was definitely starting to look better. Got curry tonight and spagbol tommorow.

    NSD today- BUT (I know not many will approve or understand) I decided on payday to close the loan so that it is done and dusted. It's not a money based decision, it's a sanity one as I feel this is driving me slightly mad. I can't wait for it to be gone, and to be honest there are far worse things I could be doing with the money.
    So that will all be gone on 28th.
    My dad still has credit card And my main aim is to be minimally in the overdraft- but yes I know that paying off the loan will not aid this aim but I can't cope with seeing this every time I log on. So just 2 weeks left and then (hopefully) never again.

    It makes me feel so sad and so awful and like a massive failure so I know other people would let it run and this is best on paper but I've just reached critical frustration point and think it's worth getting rid so will just have credit cards and overdraft which should feel a hell of a lot easier.

    Thank you all. I'm sorry I'm a bit woe-poor-me/depressing viewing at the moment. I do think it's the loan mainly.
    Going to get there.
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • Poor_Single_lady
    • By Poor_Single_lady 14th Jul 17, 7:25 PM
    • 945 Posts
    • 3,429 Thanks
    Poor_Single_lady
    Added up the spending totals. £32 this week which feels very low. Need to get a few house/food things tommorow and then 2 lunches out next week and friends daughters birthday present to organise before next weekend.
    -But by the time next weekend rolls round payday will be very close so getting there.
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • Verbatim
    • By Verbatim 15th Jul 17, 12:24 AM
    • 4,474 Posts
    • 12,873 Thanks
    Verbatim
    Yes you're getting there. Keep strong PSL. Minimise the spending. Maximise
    the money saving!
    Vx
    CCs @0% £24k Dec 05 £19,621.41 Au £13400 S 12600 Oct £11,981 £9481 £7500 Nov £7250 D £7100 Jan 6950 F £5800 Mar£5400 May £4830 June £4660 July £4460 Aug £3200, S £900, £0 18/9/07 DFW Nerd 042
    • Poor_Single_lady
    • By Poor_Single_lady 21st Jul 17, 8:19 PM
    • 945 Posts
    • 3,429 Thanks
    Poor_Single_lady
    Spent quite a lot this week.
    Need to manage better than this.

    Dominos £15
    Present £20
    Pub £25
    £8+£13 m and s and Lidl
    £11 wilko
    £8 lunch
    £12 lunch
    £6 Tesco

    Total £118

    Eaten dinner out of the freezer and
    Now feel full of salt.
    Got spag Bol defrosting for tommorow and freezer is slowly starting to look less rammed.
    Need to make a plan for next week. No
    Social until Friday (which will not be a cheap one) but next Saturday is a planned pub day so no let up on the social.

    The card with my dad is on my mind a lot. I know it's the right thing for him to have it but I feel like I need to go and get it and bring it back. It's very silly (and if I asked him for it I know that he would make me tell him about the money situation and try and fix it and I would feel guilty)
    So just need to carry on.

    so itching to shop at the moment. Want to buy everything, go to everything and eat everything.
    But just need to pay off the overdraft and manage my life a bit better. Very boring rest of month ex next weekend.
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • coastalchick
    • By coastalchick 22nd Jul 17, 6:35 AM
    • 141 Posts
    • 235 Thanks
    coastalchick
    Keep plugging away babe - and don't let one bad day or one bad week put you off. Remember, tomorrow is another day with no mistakes in it (anne of green gables). It took me a long time to pay down all my debt when I was living in london like you. But eventually did it, and it does feel so good to come out the other side. Just keep trying to think how good it will feel when you get your debt to £
    0 and start saving (even if minimally). You are young yet so have time, but the sooner you get it under control the better. Lots of love xxx
    • GoingToDoIt
    • By GoingToDoIt 23rd Jul 17, 10:17 AM
    • 426 Posts
    • 2,987 Thanks
    GoingToDoIt
    Hi PSL
    I hope you're ok, just caught up on your diary. I've been missing in action (in pubs) recently and thought you might like to know I've joined the club- my debt has gone UP! well we all have a hard time s and good times, the main thing is to keep trying and chipping away at the debt isn't it *sigh* I know you really really wanted the loan paid so you tried to resist but it's gone now. I hope you feel good next month knowing it won't be taken from the bank. Gonna x
    Apr 16 Total cc 0% debt £8364/3680 updated 23 July 17
    • Dolly Rocker
    • By Dolly Rocker 23rd Jul 17, 10:59 AM
    • 3,290 Posts
    • 9,285 Thanks
    Dolly Rocker
    I'm so excited for you to get rid of that loan, it will feel like such a weight off your shoulders I think.

    Dxxx
    Goals
    Debt free by Christmas 2017
    Save for Christmas 2017
    Goal weight of 10st 7lbs by Christmas
    Add to deposit savings
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