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
    • 1,281Posts
    • 3,525Thanks
    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 now £90 Dec 17
    £5500 left on my car loan (ends in Jan 2019) now £2696 Dec 17
    £106,000 mortgage at £600 pm now £94,992 Dec 17
    £6500 bank of mum and dad PAID

    I have £150 in an emergency fund NOW £650

    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; 17-12-2017 at 7:37 PM.
    Emergency fund £803/£1000. Christmas savings £150/£600 Car maintenance £164/600
    Chip savings £96.45 TOTAL savings = £1213
    Kitchen July £12,493 JAN £9,493
    Barclaycard £1000
    Car loan £2490 Mortgage £94,193
    TOTAL DEBT (with mortgage) = £107,176 (without mortgage) = £12,983
Page 31
    • Honeysucklelou2
    • By Honeysucklelou2 10th Oct 17, 8:04 PM
    • 663 Posts
    • 2,623 Thanks
    Honeysucklelou2
    That must be tough, day to day if others are feeling stressed. There's a lot to be said for being close to your place of work.
    paydbx #93 £483/£8,000.
    Loan £17k - paid off in Aug 2017. Home improvement loans £3342 March 2017. £3123 in Jan 18
    • louby40
    • By louby40 10th Oct 17, 9:03 PM
    • 1,281 Posts
    • 3,525 Thanks
    louby40
    Honey I used to live a 35 minute drive across the city and it was a nightmare. I only moved because of the man I was seeing at the time. Most stupid (& expensive thing I ever did). I!!!8217;ve been in my present house for just over 2 years after splitting with him in 2013. I love it.

    Our new head is a nice guy and I keep reminding myself he!!!8217;s never been a Headteacher before, he!!!8217;s got to learn and he must be feeling like he!!!8217;s juggling a million plates, he obviously wants to make our school a success and a good place to learn and work.

    I!!!8217;m willing to give him a chance. I!!!8217;m feeling slightly under pressure but trying to keep my sensible head on. It!!!8217;s not helped by training a student teacher who so far isn!!!8217;t doing very well.

    Roll on half term.
    Emergency fund £803/£1000. Christmas savings £150/£600 Car maintenance £164/600
    Chip savings £96.45 TOTAL savings = £1213
    Kitchen July £12,493 JAN £9,493
    Barclaycard £1000
    Car loan £2490 Mortgage £94,193
    TOTAL DEBT (with mortgage) = £107,176 (without mortgage) = £12,983
    • Honeysucklelou2
    • By Honeysucklelou2 10th Oct 17, 10:59 PM
    • 663 Posts
    • 2,623 Thanks
    Honeysucklelou2
    That's a lot going on then all at once. I also have a new Head on her first headship but so far it's all been reassuring and wanting to make things even better, so quite aspirational and making you feel that you want to give as much as possible.

    30 min drive here...I love the school but sometimes wish it was closer to home!
    paydbx #93 £483/£8,000.
    Loan £17k - paid off in Aug 2017. Home improvement loans £3342 March 2017. £3123 in Jan 18
    • louby40
    • By louby40 15th Oct 17, 5:35 PM
    • 1,281 Posts
    • 3,525 Thanks
    louby40
    Busy week at work. Finally starting to feel better after a horrible cold and lingering cough.

    Very low spends this week

    Mon -NSD (5)
    Tues - NSD (6)
    Wed - £10 cash for my nephews birthday
    Thur -NSD (7)
    Fri - £20 meal out with friends
    £10 for my son
    £15 cash
    Sat - £11 Morrisons
    £ 56 Aldi
    Sun - NSD (8)

    Total = £122

    Next week is also set to be a low spend week. We!!!8217;re off to a local theatre production on Friday but tickets were bought at the beginning of September.

    Then it!!!8217;s half term and pay day plus a lunch out with friends, and 2 nights in London. Hotel and train already paid for just theatre tickets and meals to fork out for. Can!!!8217;t wait!
    Emergency fund £803/£1000. Christmas savings £150/£600 Car maintenance £164/600
    Chip savings £96.45 TOTAL savings = £1213
    Kitchen July £12,493 JAN £9,493
    Barclaycard £1000
    Car loan £2490 Mortgage £94,193
    TOTAL DEBT (with mortgage) = £107,176 (without mortgage) = £12,983
    • mummytogirls
    • By mummytogirls 15th Oct 17, 6:50 PM
    • 5,937 Posts
    • 21,222 Thanks
    mummytogirls
    Yay for nearly half term Louby xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6069.37 - 02/01/18 - 73.80% paid off
    • louby40
    • By louby40 21st Oct 17, 3:06 PM
    • 1,281 Posts
    • 3,525 Thanks
    louby40
    Phew it!!!8217;s half term.

    I started it off with an emergency visit to the dentist. Looks like I need a root canal but have to put up with horrendous toothache until the 1st November when they can fit me in. So I!!!8217;m taking co codoamol.

    So tired I can!!!8217;t tell you. Don!!!8217;t know if it!!!8217;s lack of sleep, stress of work or my age! Probably all 3. DP and I went to the theatre last night to see my friend perform and we were both yawning loads.

    So I!!!8217;m glad it!!!8217;s half term although I!!!8217;ve got tons of school stuff to do.
    Emergency fund £803/£1000. Christmas savings £150/£600 Car maintenance £164/600
    Chip savings £96.45 TOTAL savings = £1213
    Kitchen July £12,493 JAN £9,493
    Barclaycard £1000
    Car loan £2490 Mortgage £94,193
    TOTAL DEBT (with mortgage) = £107,176 (without mortgage) = £12,983
    • louby40
    • By louby40 21st Oct 17, 5:01 PM
    • 1,281 Posts
    • 3,525 Thanks
    louby40
    So I was thinking of all I!!!8217;ve achieved this year so far!

    I finally paid my parents bask the £6500 they lent me in 2014.
    My credit card debt stands at £300 and will be clear by Christmas
    I have saved for Christmas
    I!!!8217;ve paid my house and car insurance in full and am continuing to save for yearly bills

    I!!!8217;ve saved £2500 to put towards my kitchen
    Turned my down stairs loo/shower room into a utility
    Decorated and had new carpet in my youngest sons bedroom
    Totally refurbished the kitchen
    Replaced the fence after it blew down in storm Doris

    I have £700in my emergency fund

    I!!!8217;ve done loads and I!!!8217;m so chuffed with myself

    It!!!8217;s all about the budget
    Last edited by louby40; 22-10-2017 at 9:01 AM.
    Emergency fund £803/£1000. Christmas savings £150/£600 Car maintenance £164/600
    Chip savings £96.45 TOTAL savings = £1213
    Kitchen July £12,493 JAN £9,493
    Barclaycard £1000
    Car loan £2490 Mortgage £94,193
    TOTAL DEBT (with mortgage) = £107,176 (without mortgage) = £12,983
    • Honeysucklelou2
    • By Honeysucklelou2 21st Oct 17, 10:35 PM
    • 663 Posts
    • 2,623 Thanks
    Honeysucklelou2
    That's an amazing list of financial achievements -well done!

    I'm with you on the tiredness levels...the last week of the half term always seems to drain the last dregs of energy! Hope you have a great half term.
    paydbx #93 £483/£8,000.
    Loan £17k - paid off in Aug 2017. Home improvement loans £3342 March 2017. £3123 in Jan 18
    • louby40
    • By louby40 22nd Oct 17, 3:40 PM
    • 1,281 Posts
    • 3,525 Thanks
    louby40
    I am in the most horrendous pain with my tooth. It is agony. I'm taking co-codamol every 4 hours and it's not making any difference. My cheekbone is hurting, right up into my temple.

    We go to London on Wednesday till Friday lunchtime but the dentist can't fit me in until Tuesday 31st. I'm going to have to ring up tomorrow and beg them to see me again. I need a root canal.

    I hate toothache.

    Moneywise it's been a good week

    Mon - £20 petrol
    Tues - NSD (9)
    wed - NSD (10)
    Thur - NSD (11)
    Fri - £30.10 Aldi
    £ 20.60 Dentist
    Sat - NSD (12)
    Sun - £17.46 school stuff

    = £88.16
    Emergency fund £803/£1000. Christmas savings £150/£600 Car maintenance £164/600
    Chip savings £96.45 TOTAL savings = £1213
    Kitchen July £12,493 JAN £9,493
    Barclaycard £1000
    Car loan £2490 Mortgage £94,193
    TOTAL DEBT (with mortgage) = £107,176 (without mortgage) = £12,983
    • Honeysucklelou2
    • By Honeysucklelou2 22nd Oct 17, 9:39 PM
    • 663 Posts
    • 2,623 Thanks
    Honeysucklelou2
    Can you see a dentist on an emergency appointment? Is your face swollen? When I had to attend an emergency appointment facial swelling was the consideration for an emergency appointment.
    paydbx #93 £483/£8,000.
    Loan £17k - paid off in Aug 2017. Home improvement loans £3342 March 2017. £3123 in Jan 18
    • louby40
    • By louby40 23rd Oct 17, 7:51 AM
    • 1,281 Posts
    • 3,525 Thanks
    louby40
    It!!!8217;s not swollen Honey, but the pain is excruciating - I had to stop taking the co-codamol yesterday, they were making me feel sick despite taking them with food, not to mention feeling totally spaced out on them.

    I!!!8217;ve slept but am still in agony. Every time I eat or drink anything the pain ramps up.
    Emergency fund £803/£1000. Christmas savings £150/£600 Car maintenance £164/600
    Chip savings £96.45 TOTAL savings = £1213
    Kitchen July £12,493 JAN £9,493
    Barclaycard £1000
    Car loan £2490 Mortgage £94,193
    TOTAL DEBT (with mortgage) = £107,176 (without mortgage) = £12,983
    • SpekySquarehead
    • By SpekySquarehead 23rd Oct 17, 9:05 AM
    • 1,823 Posts
    • 14,424 Thanks
    SpekySquarehead
    Yeah try getting an emergency appointment. Mine are quite accommodating, nothing lost to give them a call.
    Debt Free Date: 29/09/16
    • Honeysucklelou2
    • By Honeysucklelou2 23rd Oct 17, 10:01 AM
    • 663 Posts
    • 2,623 Thanks
    Honeysucklelou2
    Hot water bottle on the afflicted side might help. I would give your dentist another call.
    paydbx #93 £483/£8,000.
    Loan £17k - paid off in Aug 2017. Home improvement loans £3342 March 2017. £3123 in Jan 18
    • louby40
    • By louby40 23rd Oct 17, 11:50 AM
    • 1,281 Posts
    • 3,525 Thanks
    louby40
    Thanks guys, I managed to get an appointment tomorrow morning. Fingers crossed the dentist can work her magic.
    Emergency fund £803/£1000. Christmas savings £150/£600 Car maintenance £164/600
    Chip savings £96.45 TOTAL savings = £1213
    Kitchen July £12,493 JAN £9,493
    Barclaycard £1000
    Car loan £2490 Mortgage £94,193
    TOTAL DEBT (with mortgage) = £107,176 (without mortgage) = £12,983
    • SpekySquarehead
    • By SpekySquarehead 24th Oct 17, 9:04 AM
    • 1,823 Posts
    • 14,424 Thanks
    SpekySquarehead
    Louby - How'd you get on?
    Debt Free Date: 29/09/16
    • louby40
    • By louby40 24th Oct 17, 11:20 AM
    • 1,281 Posts
    • 3,525 Thanks
    louby40
    Had it done and I!!!8217;m home. It wasn!!!8217;t too bad. Tooth extraction is definitely worse.

    Now need to wait and see if it!!!8217;s done the job. Going back next Tuesday to have the permanent filling put on. £55 lighter but not complaining - my aunt paid £1k for a root canal privately
    Emergency fund £803/£1000. Christmas savings £150/£600 Car maintenance £164/600
    Chip savings £96.45 TOTAL savings = £1213
    Kitchen July £12,493 JAN £9,493
    Barclaycard £1000
    Car loan £2490 Mortgage £94,193
    TOTAL DEBT (with mortgage) = £107,176 (without mortgage) = £12,983
    • mummytogirls
    • By mummytogirls 24th Oct 17, 1:54 PM
    • 5,937 Posts
    • 21,222 Thanks
    mummytogirls
    Glad the tooth seems ok now Louby, did you have the root canal done? Fingers crossed it continues to be ok xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6069.37 - 02/01/18 - 73.80% paid off
    • louby40
    • By louby40 24th Oct 17, 2:17 PM
    • 1,281 Posts
    • 3,525 Thanks
    louby40
    Yes had root canal work.

    Just done a survey on You Gov which is now 25 points away from £50 payout. Getting close to other surveys coming good too.

    Also cashed out £70 from TCB from changing energy suppliers in May.

    Payday tomorrow
    Emergency fund £803/£1000. Christmas savings £150/£600 Car maintenance £164/600
    Chip savings £96.45 TOTAL savings = £1213
    Kitchen July £12,493 JAN £9,493
    Barclaycard £1000
    Car loan £2490 Mortgage £94,193
    TOTAL DEBT (with mortgage) = £107,176 (without mortgage) = £12,983
    • Honeysucklelou2
    • By Honeysucklelou2 24th Oct 17, 5:14 PM
    • 663 Posts
    • 2,623 Thanks
    Honeysucklelou2
    Glad the toothache has been alleviated.
    paydbx #93 £483/£8,000.
    Loan £17k - paid off in Aug 2017. Home improvement loans £3342 March 2017. £3123 in Jan 18
    • louby40
    • By louby40 28th Oct 17, 9:42 AM
    • 1,281 Posts
    • 3,525 Thanks
    louby40
    Got back yesterday after a fantastic stay in London. I caught up with my brother who lives down there, we saw a couple of shows, ate out and just soaked up the atmosphere. I!!!8217;ve spent about £180 on theatre tickets and food!! Sensible spending now for the next few weeks.

    Sadly on the way home, we sat on the tracks just outside Bletchley for 3 hours as the train in front of us struck a person. So we got home 4 hours late.

    DP cooked a quick curry and then we binge watched 4 episodes of Stranger Things 2.

    Off to do the Aldi shop. We!!!8217;ve done a meal plan and list!! Bring it on.
    Last edited by louby40; 28-10-2017 at 9:47 AM.
    Emergency fund £803/£1000. Christmas savings £150/£600 Car maintenance £164/600
    Chip savings £96.45 TOTAL savings = £1213
    Kitchen July £12,493 JAN £9,493
    Barclaycard £1000
    Car loan £2490 Mortgage £94,193
    TOTAL DEBT (with mortgage) = £107,176 (without mortgage) = £12,983
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

179Posts Today

1,503Users online

Martin's Twitter