Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • louby40
    • By louby40 17th Jun 16, 7:57 AM
    • 1,011Posts
    • 2,808Thanks
    louby40
    Round and round the overdraft....soon to be no more
    • #1
    • 17th Jun 16, 7:57 AM
    Round and round the overdraft....soon to be no more 17th Jun 16 at 7:57 AM
    Having lurked and read quite a few diaries I thought I'd start my own. If it's down on paper then I can read back and see my progress (or not)

    My debts aren't massive but my bugbear is my overdraft as I do believe if I can get that sorted everything else will fall into place

    My debts are:

    £400-500 overdraft every month PAID
    £970 cc (just moved to 0% which I shall pay £50-100 a month off)
    £5500 left on my car loan (ends in Jan 2019)
    £106,000 mortgage at £600 pm
    £6500 bank of mum and dad PAID

    I have £150 in an emergency fund

    I'm just in the process of moving my current account to First Direct to take advantage of their £250 free overdraft service and £100 incentive to switch. I need to keep my o/d under the £250 and slowly begin to chip away.

    My over spends are having 2 very tall teenage boys who eat a lot and extra trips to the supermarket. I also treat myself to a manicure/gel polish every month.

    I'm a single mum and work as a teacher so I buy stuff for my class, extra craft bits, second hand books from Amazon, it soon mounts up.

    I also need to be stricter with my boys and refuse the £2.50 they ask for lunch everyday.

    I shop in Aldi and cook a lot from scratch - my slow cooker is my saviour!

    I need to keep a strict spending diary and stop buying unnecessary things.
    Last edited by louby40; 15-08-2017 at 10:04 AM.
    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. 4% paid off
    Barclaycard £522
    Car loan £3472 Mortgage £96,589
Page 20
    • louby40
    • By louby40 13th Apr 17, 11:24 AM
    • 1,011 Posts
    • 2,808 Thanks
    louby40
    I'm up to 6 NSD days so far Speky. We've not done much. My two boys do their own thing these days so I don't need to entertain them. I've gone to the gym everyday this week, cleared out some old bedding, stripped the wallpaper off my kitchen wall.

    We're off to Chesterfield tomorrow - walking round Stanage Edge then staying in a pub in the town, nice meal, few drinks etc.

    PSL my current kitchen is very tired and grotty. My house is about 13/14 years old so lots of things need updating now. I have cupboard fronts falling off, not to mention the massive hole in my ceiling from my flood last summer. I'm probably going to be in £13k worth of debt but I'm planning on trying to pay it off in a year if I can. No holidays for me this year or next year. It's going to be 3 weeks of major disruption but will be worth it!
    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. 4% paid off
    Barclaycard £522
    Car loan £3472 Mortgage £96,589
    • SpekySquarehead
    • By SpekySquarehead 14th Apr 17, 8:12 AM
    • 1,598 Posts
    • 12,398 Thanks
    SpekySquarehead
    Enjoy the break away. Hope you have the weather for it.
    Debt Free Date: 29/09/16
    NSD (5/15)
    • louby40
    • By louby40 15th Apr 17, 2:02 PM
    • 1,011 Posts
    • 2,808 Thanks
    louby40
    Just got back from our night away! We enjoyed a very windy, rainy walk. We stupidly forgot to take our waterproof trousers so both us got pretty wet. We nearly turned back half way through as the weather was so bad up on the top of Stangae Edge but we soldiered on and came down the other side to slightly better weather. We walked 13km in total.

    Got to the pub and had steak and chips and a bit too much wine. Great time though. Chesterfield has some very friendly people. We called in at Bakewell on our way home with thoughts of buying a Bakewell Tart but at £7.50 we decided that was a bit much.

    Now home and the washer is on. OH is making cottage pie for tea (he makes a delicious cottage pie) and looking forward to a relaxing afternoon/evening at home.

    My parents are coming over tomorrow for lunch. Happy days. Enjoy your Easter everyone
    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. 4% paid off
    Barclaycard £522
    Car loan £3472 Mortgage £96,589
    • mummytogirls
    • By mummytogirls 16th Apr 17, 1:11 PM
    • 5,302 Posts
    • 15,845 Thanks
    mummytogirls
    Happy Easter Louby!!!

    Your night away (bar the wet weather) sounds lovely... I love bakewell tart .

    Hope you've had a lovely day today xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £7586.76 - 31/05/17 - 67.25% paid off
    • louby40
    • By louby40 16th Apr 17, 4:19 PM
    • 1,011 Posts
    • 2,808 Thanks
    louby40
    Ahh thanks!

    Just had a lovely few hours with my parents who came over for lunch. I've eaten and drank far too much this weekend. Back to the gym tomorrow and healthy eating again. No wonder I lose 3lb then gain 2lb back lol.

    On the plus front I won £25 on the lotto last night and logged into a opinion site (not done any surveys for ages) and realised I had £15 sat there!
    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. 4% paid off
    Barclaycard £522
    Car loan £3472 Mortgage £96,589
    • mummytogirls
    • By mummytogirls 16th Apr 17, 6:30 PM
    • 5,302 Posts
    • 15,845 Thanks
    mummytogirls
    Oh Louby I'm the same, I'm so good all week and then totally go wild on a weekend and then spend the whole next week getting it back off.
    I could do with a massive fall out with food

    Yay to the win and survey money xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £7586.76 - 31/05/17 - 67.25% paid off
    • louby40
    • By louby40 17th Apr 17, 3:41 PM
    • 1,011 Posts
    • 2,808 Thanks
    louby40
    Healthy eating started again today! Been to the gym and did a very quick 10 minute walk/run warmup and then a 60 minute Zumba class - loved it and feel so much better for it.

    My EE Topcashback money has paid out £125 and into my account! My Barclaycard has slowly been creeping up again and although I have savings to pay it off in full I'm reluctant to because I need to keep that to pay my builder/kitchen fitter, so I need to chip away at it until it's gone. I've paid £230 off it this month. £626 to go

    Food
    Breakfast - porridge, skmd milk, honey
    Lunch - feta cheese salad
    Tea - bacon snadwich
    Snacks - banana, handful dried cranberries, apple, grapes
    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. 4% paid off
    Barclaycard £522
    Car loan £3472 Mortgage £96,589
    • SpekySquarehead
    • By SpekySquarehead 18th Apr 17, 9:16 AM
    • 1,598 Posts
    • 12,398 Thanks
    SpekySquarehead
    Fantastic on the cashback!! Also a pat on the back for noticing the direction your barclaycard is going in early. An example of how firm a grip you now have on your finances.
    Debt Free Date: 29/09/16
    NSD (5/15)
    • mummytogirls
    • By mummytogirls 18th Apr 17, 9:37 AM
    • 5,302 Posts
    • 15,845 Thanks
    mummytogirls
    Im glad you got back onto the healthy eating and gym wagon yesterday Louby!!

    Yay to the cashback thats fab xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £7586.76 - 31/05/17 - 67.25% paid off
    • louby40
    • By louby40 19th Apr 17, 3:19 PM
    • 1,011 Posts
    • 2,808 Thanks
    louby40
    Boring day today.

    Went to a Zumba class at the gym - love the girl that does it but she only does classes in the day now and I really miss not doing one in the evening. The girl that does the evening Zumba class isn't half as good.

    I;ve spent the afternoon doing some school stuff which I've been putting off. Once I got going though I was ok.

    Tomorrow I'm going to see my gynecologist - I thought I was on the waiting list for a hysterectomy (I saw his colleague TEN weeks ago) but it appears I'm not even on a list. I've been very angry about it all as I've rung and spoken to my consultants secretary three times since the 9th Feb to ask where I am on the waiting list - and not ONCE has she told me that I aren't on a waiting list. I've now complained to PALs as I think either someone has messed up or they're trying to fudge the waiting times. The waiting time is supposed to be 18 weeks.

    I need to be calm tomorrow at my appointment which will be hard as I believed that for the past 10 weeks I've been on a waiting list!
    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. 4% paid off
    Barclaycard £522
    Car loan £3472 Mortgage £96,589
    • mummytogirls
    • By mummytogirls 19th Apr 17, 6:20 PM
    • 5,302 Posts
    • 15,845 Thanks
    mummytogirls
    Oh Louby, how annoying that you might not even be on the list, how did you find this out? Fingers crossed you won't be waiting too long xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £7586.76 - 31/05/17 - 67.25% paid off
    • crunch_time
    • By crunch_time 20th Apr 17, 7:31 AM
    • 949 Posts
    • 2,378 Thanks
    crunch_time
    Very annoying xx
    LBM June 2014.
    Original debt £23,555 vs Now £0

    PAYDBX 2017 - #85 £12,675/£2800 77% Paid!! (Currently on hold due to......)
    Husbands Credit card (0%)£3020 My Credit card (0%) £1176
    Savings pot £550 Long term savings (finally) £840
    • reality_check
    • By reality_check 20th Apr 17, 8:23 AM
    • 614 Posts
    • 1,177 Thanks
    reality_check
    Ridiculous!! Keep on complaining until they fix their error!! Normally it's the case of those who shout the loudest win. Good luck xx
    • louby40
    • By louby40 20th Apr 17, 8:27 AM
    • 1,011 Posts
    • 2,808 Thanks
    louby40
    I found out on the 30th March when I recieved a letter asking me to attend an appointment (today) I then rang his secretary (again call #4) to ask what the appointment was for. She told me it was to discuss my treatment and so I said well I've been waiting 10 weeks. She then told me the original consultant I saw was only advising me - which is !!!!!!!! (excuse my language) as we discussed waiting times then too.

    It's one major !!!! up!
    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. 4% paid off
    Barclaycard £522
    Car loan £3472 Mortgage £96,589
    • SpekySquarehead
    • By SpekySquarehead 20th Apr 17, 8:44 AM
    • 1,598 Posts
    • 12,398 Thanks
    SpekySquarehead
    Louby - Disappointing news. I'm incredibly grateful for the NHS but it's little things like this which can be so frustrating. Hope it all works out for you. My fingers are crossed.
    Debt Free Date: 29/09/16
    NSD (5/15)
    • louby40
    • By louby40 20th Apr 17, 10:53 AM
    • 1,011 Posts
    • 2,808 Thanks
    louby40
    I love and admire our NHS and they got me in really quickly to see a consultant on the 9th Feb but it's a total waste of time if she was only advising me.

    My life is on hold. My OH bought 2 Harry Potter theatre tickets 18 months ago, they cost over £200 and are on the front row. The show is in 2 parts over the May holiday 28th May, it's in 5 weeks. I could get called for my operation. I also want it done before September because I want to start the year with my new class, it's important. Plus we have a new headteacher starting in September.

    On the other hand I don't want to spend my 6 weeks holidays recovering from a major operation. It's a major co*k up!
    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. 4% paid off
    Barclaycard £522
    Car loan £3472 Mortgage £96,589
    • mummytogirls
    • By mummytogirls 20th Apr 17, 2:27 PM
    • 5,302 Posts
    • 15,845 Thanks
    mummytogirls
    How did it go Louby? xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £7586.76 - 31/05/17 - 67.25% paid off
    • louby40
    • By louby40 20th Apr 17, 8:19 PM
    • 1,011 Posts
    • 2,808 Thanks
    louby40
    I am on the waiting list

    My consultant didn't know why I was told otherwise. It just may be a problem when they see that I've had an appointment today, so he wrote all over my notes to say I'd already been waiting for ten weeks and that I'd be willing to take a cancellation and that our appointment today was just to discuss the operation.

    Fingers crossed that his intervention makes a difference!
    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. 4% paid off
    Barclaycard £522
    Car loan £3472 Mortgage £96,589
    • louby40
    • By louby40 20th Apr 17, 9:08 PM
    • 1,011 Posts
    • 2,808 Thanks
    louby40
    I am on the waiting list

    My consultant didn't know why I was told otherwise. It just may be a problem when they see that I've had an appointment today, so he wrote all over my notes to say I'd already been waiting for ten weeks and that I'd be willing to take a cancellation and that our appointment today was just to discuss the operation.

    Fingers crossed that his intervention makes a difference!
    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. 4% paid off
    Barclaycard £522
    Car loan £3472 Mortgage £96,589
    • mummytogirls
    • By mummytogirls 20th Apr 17, 9:41 PM
    • 5,302 Posts
    • 15,845 Thanks
    mummytogirls
    Great news Louby xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £7586.76 - 31/05/17 - 67.25% paid off
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

3,714Posts Today

7,739Users online

Martin's Twitter