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  • FIRST POST
    • Poor_Single_lady
    • By Poor_Single_lady 31st May 16, 2:36 PM
    • 1,197Posts
    • 4,657Thanks
    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 56
    • fay66
    • By fay66 18th Dec 17, 10:21 PM
    • 680 Posts
    • 1,676 Thanks
    fay66
    Hi Psl mine is ok. Just plodding along xHope yours is
    Inland revenue £4500=
    Loan £2610
    Pay day loans - 135+600+300+300
    Credit card 1 - 5186
    CC2 -1038
    CC3 - 548 cc4 234
    • Cumbria lass
    • By Cumbria lass 24th Dec 17, 8:24 PM
    • 1,092 Posts
    • 5,981 Thanks
    Cumbria lass
    Hoping you have a lovely Christmas PSL x
    Nov 2017 CC1 £3209 CC2 £308

    Debt Free Nov 2019: earlier if I have my way
    • Poor_Single_lady
    • By Poor_Single_lady 26th Dec 17, 9:55 AM
    • 1,197 Posts
    • 4,657 Thanks
    Poor_Single_lady
    Thank you both. Christmas yesterday was absolutely lovely. I enjoyed it more than I thought I would and everything went well.

    Going to see more family today and possibly do a food shop either today or tommorow.

    Waiting to see exact bank account numbers this time next week. And trying hard not to fall into the got-paid-early/spend-it-all trap.

    But new year will be pub and nothing flashy. I did hear about eye wateringly expensive New Years nights in London so I do at least feel like I have got something right here.

    So I might have to get round of drinks today in pub with family but then nothing expensive going on till new year.

    It's a low key January until the end when I am out with my best friend and maybe having a rare night away. but I also need to renew my passport as am planning on going away for a week in the summer which I am going to pay for in-part with council tax money from the 2 months we don't pay and from staying in.
    It's not possible to put on credit card even if I wanted to as somebody else is organising and everyone giving cash to the organiser.

    Got £50 from grandparents. I know this is ultra morbid but with both in their 80s I am going to put this towards some new hair straighteners in the new year which will last years and years. So I think this is best use of the money as GHDs are quite expensive although I am scared to look up the exact pricing!

    I can't remember when I bought my last ones but I know I had my then on my 21st birthday which was 11 years ago and I need a plan for replacement as we are on borrowed time.

    Hope everyone enjoyed/is enjoying Christmas and New Years. xxx
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • Cumbria lass
    • By Cumbria lass 26th Dec 17, 10:02 AM
    • 1,092 Posts
    • 5,981 Thanks
    Cumbria lass
    PSL the GHDs I have are years old as well , they do last a long time.

    Have a great Boxing Day . I am off to the North East for new year and looking forward to that.

    Enjoy family time x
    Nov 2017 CC1 £3209 CC2 £308

    Debt Free Nov 2019: earlier if I have my way
    • enthusiasticsaver
    • By enthusiasticsaver 26th Dec 17, 4:49 PM
    • 5,163 Posts
    • 9,815 Thanks
    enthusiasticsaver
    Glad you had a good Christmas and low key new year sounds good. Trick to not spending salary until normal payday is stick it in savings account then transfer on payday.
    Debt free and mortgage free and early retiree. Living the dream

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com
    • Verbatim
    • By Verbatim 27th Dec 17, 12:21 AM
    • 4,525 Posts
    • 13,304 Thanks
    Verbatim
    Glad you're enjoying Christmas with your family. Hope all continues well for you. Good wishes for 2018!
    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
    • Dolly Rocker
    • By Dolly Rocker 27th Dec 17, 9:32 AM
    • 3,607 Posts
    • 10,204 Thanks
    Dolly Rocker
    Hey PSL,

    So glad you had a lovely Christmas.

    I have also had my GHD's for about 16 years, they last such a long time so well worth the money!

    Dxxx
    CWP start 16st2lbs, current 15st7lbs, lost 9lbs
    Debt Free 21st December 2017, £15,000 paid off in 2017
    • Poor_Single_lady
    • By Poor_Single_lady 27th Dec 17, 10:11 PM
    • 1,197 Posts
    • 4,657 Thanks
    Poor_Single_lady
    Thank you all for the kind well wishes.

    I am off work over Christmas and really enjoying being low key.

    Small food shop in Lidl today and might do a stocking up shop tommorow.

    Spent £90 in the sales which included 2 birthday presents, jeans which fit perfectly (which I would have paid much more for), 2 tops, gloves, eye shadow, make up bag.

    Almost All of the bills seem to be going out on 2nd January so need to prepare well for that and for the rest of the month. Trying hard.
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • louby40
    • By louby40 28th Dec 17, 7:13 AM
    • 1,260 Posts
    • 3,484 Thanks
    louby40
    Glad you enjoyed your Christmas PSL. Sounds like sensible plans for NYE. We’ve been invited to a curry and then a party at my brothers but I don’t think we can be bothered. We are just boring old farts lol
    Parent loan PAID IN FULL
    Emergency fund £1159/£1000. Christmas savings £150/£600 Car maintenance £176/600
    Kitchen July £12,493 JAN £9,493
    Barclaycard £1000
    Car loan £2490 Mortgage £94,593
    TOTAL DEBT (with mortgage) = £ (without mortgage) = £
    • Poor_Single_lady
    • By Poor_Single_lady 28th Dec 17, 1:49 PM
    • 1,197 Posts
    • 4,657 Thanks
    Poor_Single_lady
    You're not at all Louby. It's just all such a nonsense. The curry sounds good tho. I struggle to turn down a curry and it is definately showing.
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • Dolly Rocker
    • By Dolly Rocker 28th Dec 17, 2:18 PM
    • 3,607 Posts
    • 10,204 Thanks
    Dolly Rocker
    Oh another curry lover here!

    Dxxx
    CWP start 16st2lbs, current 15st7lbs, lost 9lbs
    Debt Free 21st December 2017, £15,000 paid off in 2017
    • KxMx
    • By KxMx 28th Dec 17, 2:36 PM
    • 7,261 Posts
    • 10,213 Thanks
    KxMx
    I spent a similar amount in the sales

    Paid via CC to get reward points but have all the money waiting for the bill to come in.

    75% Christmas money and 25% which will come out of spare money account.
    • Poor_Single_lady
    • By Poor_Single_lady 29th Dec 17, 8:08 AM
    • 1,197 Posts
    • 4,657 Thanks
    Poor_Single_lady
    I think that is a seriously restrained amount of money to spend. Especially given that some of it went on birthday presents and on wardrobe staples.
    I would like a few more things (obviously) but holding off.

    When I was shopping a lady gave me a sample of the new guerlan perfume. It's absolutely beautiful. I'm going to buy it but not yet.
    And I would like a new tv for my bedroom. And a new coat and shoes and sofa and living room sofa-chair. And new foundation and few more new tops. And theatre trip and dinner out.

    But for now need to wait till 2nd Jan when all the bills hit to see exactly how things are looking. Then probably sit tight for 3 weeks trying to avoid spending.
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • louby40
    • By louby40 29th Dec 17, 4:41 PM
    • 1,260 Posts
    • 3,484 Thanks
    louby40
    Oh I want so much too. It’s so frustrating. I’ve spent £900 on a table and 4 chairs, 2 chairs from Made.com and a lamp - all for my kitchen. It’s gone on a 0% credit card with a £100 standing order a month to pay it off, if I can manage more I will.

    I still have blinds to buy. Plus I’d like a new handbag and some boots I’ve seen. But I’m resisting for now.

    January will be tight, I don’t get paid until the 31st - eeek!!
    Parent loan PAID IN FULL
    Emergency fund £1159/£1000. Christmas savings £150/£600 Car maintenance £176/600
    Kitchen July £12,493 JAN £9,493
    Barclaycard £1000
    Car loan £2490 Mortgage £94,593
    TOTAL DEBT (with mortgage) = £ (without mortgage) = £
    • Poor_Single_lady
    • By Poor_Single_lady 30th Dec 17, 11:04 PM
    • 1,197 Posts
    • 4,657 Thanks
    Poor_Single_lady
    Your new furniture sounds lovely Louby. Feel most jealous. It will be a real asset and it will get used every day by you.

    Tommorow will need to nip out and get a few house essentials and then out to pub pm.
    Hopefully not too expensive.

    New Year's Day seeing friend- not sure if that was great planning.

    Then dreaded 2nd Jan when all the bills from the start of the month go out. Will have to take a deep breath and see how things stand.
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • Dolly Rocker
    • By Dolly Rocker 31st Dec 17, 11:05 AM
    • 3,607 Posts
    • 10,204 Thanks
    Dolly Rocker
    Aw PSL, I am dreading the bills all starting to come off!!!

    Will be hiding behind a cushion looking at my statement.

    Dxxx
    CWP start 16st2lbs, current 15st7lbs, lost 9lbs
    Debt Free 21st December 2017, £15,000 paid off in 2017
    • sm_1988
    • By sm_1988 2nd Jan 18, 12:21 PM
    • 11 Posts
    • 39 Thanks
    sm_1988
    Sorry I'm late PSL... Merry Christmas and Happy New Year!

    Glad to hear you had a lovely time over Christmas! I'm back to work on Thursday so just enjoying my last few days off x x
    • Poor_Single_lady
    • By Poor_Single_lady 3rd Jan 18, 6:39 PM
    • 1,197 Posts
    • 4,657 Thanks
    Poor_Single_lady
    Thank you very much for the Christmas wishes SM

    Since pay day I have filled the cupboards and stocked up. And bought some clothes and birthday presents.

    Food shop £133
    McDonald's x2 £10
    Travel. £40
    Magazine £4
    Very payment £30
    Clothes and presents £122
    Book £6

    Friday top up shop.
    Monday credit cards.

    NSD today and planned for tommorow.

    This month before payday.
    2 family birthday nights. Gifts got.
    1 pub visit, 1 dinner out with friends
    1 party invite declined

    Reading books and tracking the money and having early nights. not doing very much of anything else.
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • Cumbria lass
    • By Cumbria lass 4th Jan 18, 8:39 PM
    • 1,092 Posts
    • 5,981 Thanks
    Cumbria lass
    Reading books and having early nights is my aim for most of jan , it’s all I want to do, so you aren’t alone .
    Nov 2017 CC1 £3209 CC2 £308

    Debt Free Nov 2019: earlier if I have my way
    • louby40
    • By louby40 4th Jan 18, 8:47 PM
    • 1,260 Posts
    • 3,484 Thanks
    louby40
    I too have no plans for January. I have about £200 to last me until the end of the month. That’s for 3 food shops. It can (& will) be done!
    Parent loan PAID IN FULL
    Emergency fund £1159/£1000. Christmas savings £150/£600 Car maintenance £176/600
    Kitchen July £12,493 JAN £9,493
    Barclaycard £1000
    Car loan £2490 Mortgage £94,593
    TOTAL DEBT (with mortgage) = £ (without mortgage) = £
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