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  • FIRST POST
    • rexelpink
    • By rexelpink 13th Jun 16, 10:43 PM
    • 208Posts
    • 491Thanks
    rexelpink
    My debt free diary - getting my life on track
    • #1
    • 13th Jun 16, 10:43 PM
    My debt free diary - getting my life on track 13th Jun 16 at 10:43 PM
    Hello diary.

    This is my first ever thread I've started here on mse, hopefully I've put it in the right place!

    So it's Monday night and last week I had a lightbulb moment that finance wise things have got to change.

    I browsed some mse forums and came across the pad thread which I am loving and I have felt really motivated all week to save up and pay off some debts.
    It was suggested on the pad thread that i start a debt free diary so here I am. There's probably going to be a lot of rambling, and I'm not sure anyone will read, but I've had a nosy at some other diaries and they are really inspiring so I'm hoping this will help to keep me motivated!

    I'm using my phone to post every day, so spelling and grammar will probably not be great!

    Currently got £13000 debt and I am planning on buying my house in the next two years... Wish me luck diary!!!
    Staring debt - June 2013 - £21,000
    Current debt - February 2018 - £11,378.60

    Emergency fund £500 / 100%

    Debt free one day at a time
Page 10
    • CoffeeCakeYarn
    • By CoffeeCakeYarn 6th Feb 18, 11:26 AM
    • 204 Posts
    • 656 Thanks
    CoffeeCakeYarn
    Well done for biting the bullet x
    PAY BACK THE FUN SPEND! £35.67/£137.67
    MBNA - £2233.51/£2385 - 6.35%
    Emergency Fund £26/£1000
    • rexelpink
    • By rexelpink 6th Feb 18, 11:51 AM
    • 208 Posts
    • 491 Thanks
    rexelpink
    Aw thanks guys! I feel like a super hero right now!


    Drawing - That's a shame about your old job? Could you not use your qualifications to get a similar role in a different company? (sorry if that sounds nosey)


    I would never be brave enough to go self employed so am full of admiration for you about that. I rely too heavily on my annual salary.


    I think the simplest way of me solving this solution is to tell my Manager that I would like a completely new challenge in a different team. But that's not what I want to do which is a shame. Luckily its a massive global company so theres lots of departments and opportunities. Might have a think.


    Im off to update my signature with my new totals... Taking of signatures, Coffee has yours changed? Will have a wander over to your diary and have a read of whats going on.
    Staring debt - June 2013 - £21,000
    Current debt - February 2018 - £11,378.60

    Emergency fund £500 / 100%

    Debt free one day at a time
    • rexelpink
    • By rexelpink 6th Feb 18, 12:08 PM
    • 208 Posts
    • 491 Thanks
    rexelpink
    Signature Updated.


    Current debt - February 2018 - £11,378.60
    Staring debt - June 2013 - £21,000
    Current debt - February 2018 - £11,378.60

    Emergency fund £500 / 100%

    Debt free one day at a time
    • Drawingaline
    • By Drawingaline 6th Feb 18, 1:02 PM
    • 338 Posts
    • 1,197 Thanks
    Drawingaline
    Well done on contacting moorcroft! Another step in the right direction
    • rexelpink
    • By rexelpink 6th Feb 18, 7:32 PM
    • 208 Posts
    • 491 Thanks
    rexelpink
    Evening diary

    Total steps: 9,783 - will march up to 10,000 before bed!

    1. Take off shoes - 4/28
    2. Make bed - 6/28
    3. Wipe down kitchen counters - 6/28
    4. Clean as you cook - 5/28
    5. Wipe down shower - 1/28
    6. Sweep floors - 4/28
    7. Wipe mirrors and sinks - 2/28
    8. Put clothes away - 4/28
    9. 2 minute rule (basically if a job will only take 2 mins then just do it now, not later!) Logged onto moorcroft!

    Feb savings: 25/494
    eBay sales: £0
    Total feb Asda receipts: £2.04
    Feb NSD: 1/28

    Put £20 in saving as per budget plan, still waiting on mechanic for cost. Should have car back on Thursday evening.

    Have got 2 more items on eBay with bids, currently stand to make £6!
    Staring debt - June 2013 - £21,000
    Current debt - February 2018 - £11,378.60

    Emergency fund £500 / 100%

    Debt free one day at a time
    • rexelpink
    • By rexelpink 7th Feb 18, 9:42 PM
    • 208 Posts
    • 491 Thanks
    rexelpink
    Evening diary

    Total Steps: 12,089

    1. Take off shoes - 4/28
    2. Make bed - 7/28
    3. Wipe down kitchen counters - 6/28
    4. Clean as you cook - 5/28
    5. Wipe down shower - 1/28
    6. Sweep floors - 4/28
    7. Wipe mirrors and sinks - 2/28
    8. Put clothes away - 4/28
    9. 2 minute rule (basically if a job will only take 2 mins then just do it now, not later!) more eBay items listed!

    Feb savings: 25/494
    eBay sales: 99p
    Total feb Asda receipts: £2.04
    Feb NSD: 1/28

    eBay sale today! 99p for a CD. Not a lot but it is more than the 1p that music magpie offered!

    Managed to list a few more items. Fingers crossed they sell.

    Also had a look at the debt free wannabe challenges. I really like the look of the 1% challenge so have posted in that. My 1% is £114. It is a lot, but I love the idea behind only being 100 payments to debt free!

    Still no word from the mechanic... hopefully no news is good news!
    Staring debt - June 2013 - £21,000
    Current debt - February 2018 - £11,378.60

    Emergency fund £500 / 100%

    Debt free one day at a time
    • Drawingaline
    • By Drawingaline 7th Feb 18, 9:47 PM
    • 338 Posts
    • 1,197 Thanks
    Drawingaline
    Finally gets crossed on the car front!
    • rexelpink
    • By rexelpink 8th Feb 18, 6:52 AM
    • 208 Posts
    • 491 Thanks
    rexelpink
    Thanks drawing, he is a good guy and I trust him not to overcharge etc - DH has got quite friendly with him over the last year, so it is just as likely we havent heard back from him as he has prioritised a full paying customer (hes looking at ours for a discount) as it is that we havent heard back yet as there is a problem.
    Fingers crossed.
    Staring debt - June 2013 - £21,000
    Current debt - February 2018 - £11,378.60

    Emergency fund £500 / 100%

    Debt free one day at a time
    • rexelpink
    • By rexelpink 8th Feb 18, 6:44 PM
    • 208 Posts
    • 491 Thanks
    rexelpink
    Wow I am angry right now.

    Car passed MOT no problems. Should have cost £35. DH decided (without telling me) to have some cosmetic, ie unnecessary, work done. Actual cost £120.
    Then I get pulled out of a meeting at work as he has been ringing the reception line non stop. Why? Because he doesnt have £120 and has promised the mechanic he will pay him this afternoon.

    So I run out and give him my card as I dont have time to transfer the money due to being in meeting.
    Look at bank balance when meeting ends and can see £120 withdrawn and £70 at morissons!
    Then he picks me up from work and tells me we have to back to the shops as he only brought crisps and junk - theres nothing in the house for dinner!

    In one afternoon he has single handedly spent more money than I even had budgeted for our whole week off next week. Which will be a crap week now as a) theres no budget left, and b) I can hardly look at him right now.
    Staring debt - June 2013 - £21,000
    Current debt - February 2018 - £11,378.60

    Emergency fund £500 / 100%

    Debt free one day at a time
    • Drawingaline
    • By Drawingaline 8th Feb 18, 7:37 PM
    • 338 Posts
    • 1,197 Thanks
    Drawingaline
    Omg rexelpink, I would also be fuming
    • rexelpink
    • By rexelpink 9th Feb 18, 6:35 AM
    • 208 Posts
    • 491 Thanks
    rexelpink
    Morning diary. Forgot to post yesterdays summary:

    Total Steps: 14,022

    1. Take off shoes - 4/28
    2. Make bed - 8/28
    3. Wipe down kitchen counters - 6/28
    4. Clean as you cook - 6/28
    5. Wipe down shower - 2/28
    6. Sweep floors - 4/28
    7. Wipe mirrors and sinks - 2/28
    8. Put clothes away - 5/28
    9. 2 minute rule (basically if a job will only take 2 mins then just do it now, not later!) spent most of the evening reading a book!

    Feb savings: 25/494
    eBay sales: 99p
    Total feb Asda receipts: £2.04
    Feb NSD: 1/28

    Was feeling angry and disheartened yesterday after the whole car / shopping fiasco. But I cant let it get to me. Must soldier on. Will re-do the budget later for next week

    We are going to clear out the loft tomorrow and Sunday, so im expecting the house to look worse before it gets better. With any luck I might find some hidden gems for eBay!

    I also need to decide if I want to keep £1000 or £500 in my emergency fund and then I can pay a chunk off vanquis. Its a decision I am finding quite hard as at the moment I am really enjoying watching the total of my savings go up. But I know the quicker I pay off the card the quicker I can get back to saving up and paying off the Big loan.
    Staring debt - June 2013 - £21,000
    Current debt - February 2018 - £11,378.60

    Emergency fund £500 / 100%

    Debt free one day at a time
    • rexelpink
    • By rexelpink 10th Feb 18, 7:48 AM
    • 208 Posts
    • 491 Thanks
    rexelpink
    Couldnt log on yesterday for some reason!

    Total Steps: 7,731

    1. Take off shoes - 4/28
    2. Make bed - 9/28
    3. Wipe down kitchen counters - 7/28
    4. Clean as you cook - 6/28
    5. Wipe down shower - 2/28
    6. Sweep floors - 4/28
    7. Wipe mirrors and sinks - 2/28
    8. Put clothes away - 5/28
    9. 2 minute rule (basically if a job will only take 2 mins then just do it now, not later!) another day where I spent most of the evening reading a book!

    Feb savings: 25/494
    eBay sales: 99p
    Total feb Asda receipts: £2.04
    Feb NSD: 1/28

    Pouring with rain all day yesterday so no morning or evening walk. Rain stopped about 9pm. Far too late and dark to go walking at that time.

    Should have a few eBay sales this week, items due to end on different days. I am looking forward to updating the total figures.
    No plans to go out today, going to make a real effort to sort / tidy the house.
    Should be a NSD which is good (and needed) this week before payday seems to mess me up every month!
    Last edited by rexelpink; 10-02-2018 at 7:53 AM.
    Staring debt - June 2013 - £21,000
    Current debt - February 2018 - £11,378.60

    Emergency fund £500 / 100%

    Debt free one day at a time
    • Drawingaline
    • By Drawingaline 10th Feb 18, 4:48 PM
    • 338 Posts
    • 1,197 Thanks
    Drawingaline
    Good luck with the house.

    The weather has been pants, we had to rearrange our weekend to accommodate it!
    • rexelpink
    • By rexelpink 11th Feb 18, 9:47 AM
    • 208 Posts
    • 491 Thanks
    rexelpink
    Morning diary

    Must get better at posting in the evenings!
    From yesterday:

    Total Steps: 6,006

    1. Take off shoes - 4/28
    2. Make bed - 10/28
    3. Wipe down kitchen counters - 7/28
    4. Clean as you cook - 6/28
    5. Wipe down shower - 2/28
    6. Sweep floors - 4/28
    7. Wipe mirrors and sinks - 2/28
    8. Put clothes away - 5/28
    9. 2 minute rule (basically if a job will only take 2 mins then just do it now, not later!) The loft is clear!

    Feb savings: 25/494
    eBay sales: 99p
    Total feb Asda receipts: £2.04
    Feb NSD: 2/28

    Well the loft is clear, but the house is a state. Took all day to do the loft (10 years of stuff! I am actually surprised we got it all done in a day!)
    Im counting yesterday as a NSD although DH did spend some money. He went to the shop on his last trip back from the dump, brought himself a drink and a scratchcard and won £150! So he went online and found a pizza hut deal and we had a lovely Pizza Hut dinner.

    Plan for today: clean the house now the loft is clear!
    Staring debt - June 2013 - £21,000
    Current debt - February 2018 - £11,378.60

    Emergency fund £500 / 100%

    Debt free one day at a time
    • Drawingaline
    • By Drawingaline 12th Feb 18, 8:27 PM
    • 338 Posts
    • 1,197 Thanks
    Drawingaline
    You mean he didn't pay the £120 back

    But what a lovely surprise, a nice family meal
    • rexelpink
    • By rexelpink 13th Feb 18, 8:18 AM
    • 208 Posts
    • 491 Thanks
    rexelpink
    You mean he didn't pay the £120 back

    But what a lovely surprise, a nice family meal
    Originally posted by Drawingaline
    have you been reading?!?!

    Of course no money back but to be honest I figured as it was ‘fun’ money he spent and he has used the winnings for treats then there is very little point staying mad with him. And after a hard day sorting through all the boxes etc it was a lovely meal!
    Staring debt - June 2013 - £21,000
    Current debt - February 2018 - £11,378.60

    Emergency fund £500 / 100%

    Debt free one day at a time
    • Drawingaline
    • By Drawingaline 13th Feb 18, 8:33 PM
    • 338 Posts
    • 1,197 Thanks
    Drawingaline
    Some people need the little wins to keep on with it all.

    And you are a bigger person than me, I hold a grudge forever
    • rexelpink
    • By rexelpink 15th Feb 18, 10:33 PM
    • 208 Posts
    • 491 Thanks
    rexelpink
    Evening diary

    Not been posting much this week, I haven't forgotten my mse ways, just been busy with half term.
    So, after DH blew the 'fun' money on shopping just before half term and then won some back (which is now a distant memory - surprise surprise) half term has been (as predicted) quiet.

    DD has been on 2 play dates and I've had DS's friend here every day since they broke up. Happily this means low budget, and weirdly this is the first school holiday in years where the kids have just entertained themselves mostly. Feels weird to me, but they have enjoyed themselves.

    Have got a lot of housework done and managed to list 88 items on eBay. Thought I would take full advantage of the months free listing offer!
    I have sold 6 items so far and made £24.68 - not a fortune but not bad. I always think eBay is a bit weird sometimes. The stuff that I thought would go (some clothes etc) went unsold but I have sold a Sainsbury's Lego card, and an old pencil case - both of which were headed for the bin, before I thought I would list them just to see what happened as the listings are free.

    Got a hair appointment booked for next Tuesday after work, that will cost £70 for a cut and blow dry, but it's not been done since October so needs doing badly.
    Got about £80 left till payday Tuesday, should be fine as long as I don't let DH go shopping!

    So far of my monthly habits the only one to really stick is the make bed in the morning. I must admit I got up this morning and thought 'nah I can't be bothered' got halfway downstairs and couldn't shake the feeling something was up - so went back and did it. Felt much better after.

    Right, going to have a small glass of wine then head up to bed - night
    Staring debt - June 2013 - £21,000
    Current debt - February 2018 - £11,378.60

    Emergency fund £500 / 100%

    Debt free one day at a time
    • Drawingaline
    • By Drawingaline 15th Feb 18, 11:02 PM
    • 338 Posts
    • 1,197 Thanks
    Drawingaline
    Trying the bedmaking habit. I am still trying with my shoes but it isn't really sticking.

    My half term has also been quiet, mainly because I have been working, but also because of the big birthday weekend at the beginning.
    • rexelpink
    • By rexelpink 19th Feb 18, 7:11 AM
    • 208 Posts
    • 491 Thanks
    rexelpink
    Morning diary,

    Back to work and school today... 2 very grumpy children this morning!
    I have really enjoyed my week off, although wouldn't complain if I could have another lol! Am looking forward to a bit of normality and routine though.

    Yesterday I had to pay the accommodation for my friends hen night. That has cost £500 eek!
    Luckily I will get £450 back from the other hens this month but it has made a big dent in my savings. Was nice not to have to put it on a credit card though. And for £50 each it is a bargain so if I had not booked it now then would have cost a lot more nearer the time!

    Roll on Payday tomorrow...
    Staring debt - June 2013 - £21,000
    Current debt - February 2018 - £11,378.60

    Emergency fund £500 / 100%

    Debt free one day at a time
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