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  • FIRST POST
    • louby40
    • By louby40 17th Jun 16, 7:57 AM
    • 958Posts
    • 2,590Thanks
    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
    £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

    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 Lidl 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; 11-09-2016 at 3:01 PM.
    Parent loan PAID IN FULL Sealed Pot Challenge 10 #572
    Emergency fund £200/£1000. Christmas savings £350/£600
    Kitchen July £12,493
    Barclaycard £610
    Car loan £3666 Mortgage £96,981
Page 25
    • Honeysucklelou2
    • By Honeysucklelou2 16th Jul 17, 4:05 AM
    • 235 Posts
    • 676 Thanks
    Honeysucklelou2
    I often think that teaching is the best job in the world but does take every ounce of energy (and then some on occasions).
    Hope the 3 days this week go well.
    paydbx #90 £275/£10,000.
    365 day penny challenge £37.66/£667.95
    Loan £17k in 2012- £570 in June 2017. Home improvement loans £3342 March 2017
    • louby40
    • By louby40 16th Jul 17, 7:12 AM
    • 958 Posts
    • 2,590 Thanks
    louby40
    Looking forward to my 3 days at school. Have felt very disconnected from work and need to go back to get my confidence back a bit.

    And yes, I get another 6 weeks off afterwards. Certainly not complaining about that!
    Parent loan PAID IN FULL Sealed Pot Challenge 10 #572
    Emergency fund £200/£1000. Christmas savings £350/£600
    Kitchen July £12,493
    Barclaycard £610
    Car loan £3666 Mortgage £96,981
    • louby40
    • By louby40 16th Jul 17, 6:37 PM
    • 958 Posts
    • 2,590 Thanks
    louby40
    10 NSD & 9 days to payday

    Lazy Sunday today. Watched 2 episodes of the Handmaids Tale this morning - it's really good, don't know how I missed it really.

    We decided not to buy or cook a roast today, my 2 boys rarely seem to eat it once it's plated up so today we made chicken fajitas- plated them up ready for them to eat when they were ready and in an hour they had disappeared!

    I did a bit of ironing- no uniform though as my youngest sons school do an activity week on the last week of term. DP watched the Grand Prix and then we went out for a walk.

    It's turned into a lovely day once the rain cleared.
    Parent loan PAID IN FULL Sealed Pot Challenge 10 #572
    Emergency fund £200/£1000. Christmas savings £350/£600
    Kitchen July £12,493
    Barclaycard £610
    Car loan £3666 Mortgage £96,981
    • SpekySquarehead
    • By SpekySquarehead 17th Jul 17, 9:23 AM
    • 1,543 Posts
    • 11,993 Thanks
    SpekySquarehead
    What's your target for NSD's then given you've 9 days till pay day?
    Debt Free Date: 29/09/16
    NSD (5/15)
    • louby40
    • By louby40 17th Jul 17, 6:37 PM
    • 958 Posts
    • 2,590 Thanks
    louby40
    Speky I did 12 last month so I've set myself a target of 15 for July. Today is 11th NSD.

    Gorgeous day here today. Went out for an hours walk this morning along the canal, there were loads of people about and it was only 10am.

    I did some washing and pegged it out. And I spent the rest of the afternoon sitting in the garden reading. Tomorrow is my last sick day. Can't believe I've been off for 6 weeks.

    Feeling really well though and ready to dip my toe in the water again - even if it is only for 3 days!
    Parent loan PAID IN FULL Sealed Pot Challenge 10 #572
    Emergency fund £200/£1000. Christmas savings £350/£600
    Kitchen July £12,493
    Barclaycard £610
    Car loan £3666 Mortgage £96,981
    • SpekySquarehead
    • By SpekySquarehead 18th Jul 17, 8:46 AM
    • 1,543 Posts
    • 11,993 Thanks
    SpekySquarehead
    Enjoy your last day today. It's been a while and I hope you still feel up to it when you get back to work. Remember and take things slowly.
    Debt Free Date: 29/09/16
    NSD (5/15)
    • louby40
    • By louby40 18th Jul 17, 9:11 AM
    • 958 Posts
    • 2,590 Thanks
    louby40
    Ahh Speky thank you, you are so sweet. I'm going to be holed up in the library doing end of term assessments with my new class.

    Felt very guilty being off especially as I'm moving classrooms (again) and lots of the staff, including my fabulous Teaching Assistant have been packing boxes, shifting furniture and stripping walls. I need to help at least a little bit.
    Parent loan PAID IN FULL Sealed Pot Challenge 10 #572
    Emergency fund £200/£1000. Christmas savings £350/£600
    Kitchen July £12,493
    Barclaycard £610
    Car loan £3666 Mortgage £96,981
    • Chandelier.
    • By Chandelier. 18th Jul 17, 9:50 AM
    • 457 Posts
    • 1,201 Thanks
    Chandelier.
    Good luck on returning to work Louby. Don't feel guilty, you've been off for a good reason.

    You don't sound far off your NSD target. I need to get back into counting NSDs. Maybe that should be my August goal .

    Have a good day.
    Check out my Diary
    • louby40
    • By louby40 18th Jul 17, 8:43 PM
    • 958 Posts
    • 2,590 Thanks
    louby40
    Didn't manage a NSD today, needed to buy some fruit and bread, yogurts and salad. We eat loads of fruit in this house, it disappears so fast.

    So, my salad is made for tomorrow- my bag is packed ready. I'm currently drinking a rum and Coke (don't normally drink in the week) but I'm hoping it helps me relax and sleep.

    I'm really looking forward to going back to work - my job is very full on and it's part of who I am! I've missed the kids and my lovely colleagues
    Parent loan PAID IN FULL Sealed Pot Challenge 10 #572
    Emergency fund £200/£1000. Christmas savings £350/£600
    Kitchen July £12,493
    Barclaycard £610
    Car loan £3666 Mortgage £96,981
    • Honeysucklelou2
    • By Honeysucklelou2 20th Jul 17, 2:26 AM
    • 235 Posts
    • 676 Thanks
    Honeysucklelou2
    How did your first day back go? In end of term mode myself. It's amazing how much time it takes to give out work and store resources etc.
    paydbx #90 £275/£10,000.
    365 day penny challenge £37.66/£667.95
    Loan £17k in 2012- £570 in June 2017. Home improvement loans £3342 March 2017
    • louby40
    • By louby40 20th Jul 17, 5:11 PM
    • 958 Posts
    • 2,590 Thanks
    louby40
    Time back at work has been ok, very mixed emotions. The student I had earlier in the year has covered my class (Y1) whilst I've been off sick, she got the Y2 job so they will be her class in September. I've taught these children from EYFS, so 2 years. She has made me feel sidelined, she has completely ignored the fact that it's still my name on the door and they are effectively my class until Friday.

    She's opened presents addressed to the 'Year1 team' - whereas as personally I feel they should have been directed to me.

    I'm trying to not be too precious about it but it's hard. I've been doing assessments with my new class so have been busy, Year 1 had a party this afternoon- even another colleague asked me why I wasn't invited.

    I plan on spending ALL day with MY class tomorrow whether she likes it or not.

    Moan over!
    Parent loan PAID IN FULL Sealed Pot Challenge 10 #572
    Emergency fund £200/£1000. Christmas savings £350/£600
    Kitchen July £12,493
    Barclaycard £610
    Car loan £3666 Mortgage £96,981
    • Honeysucklelou2
    • By Honeysucklelou2 20th Jul 17, 9:02 PM
    • 235 Posts
    • 676 Thanks
    Honeysucklelou2
    Enjoy the day with your class tomorrow.
    paydbx #90 £275/£10,000.
    365 day penny challenge £37.66/£667.95
    Loan £17k in 2012- £570 in June 2017. Home improvement loans £3342 March 2017
    • SpekySquarehead
    • By SpekySquarehead 21st Jul 17, 9:47 AM
    • 1,543 Posts
    • 11,993 Thanks
    SpekySquarehead
    Louby - I can understand your frustration!! Quite right to reclaim your own class.

    Have a good weekend when it comes
    Debt Free Date: 29/09/16
    NSD (5/15)
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