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  • FIRST POST
    • louby40
    • By louby40 17th Jun 16, 7:57 AM
    • 1,188Posts
    • 3,262Thanks
    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 £250 Oct 17
    £5500 left on my car loan (ends in Jan 2019) now £3084 Oct 17
    £106,000 mortgage at £600 pm now £95,805 Oct 17
    £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; 29-10-2017 at 3:56 PM.
    Parent loan PAID IN FULL
    Emergency fund £670/£1000. Christmas savings £50/£600 Car maintenance £100/600
    Kitchen July £12,493 NOV £10,493. 18% paid off
    Barclaycard £142
    Car loan £2696 Mortgage £94,992
    TOTAL DEBT (with mortgage) = £108,323 (without mortgage) = £13,331
Page 34
    • louby40
    • By louby40 7th Dec 17, 6:25 PM
    • 1,188 Posts
    • 3,262 Thanks
    louby40
    Surveys are looking good.

    Waiting on £25 from Opinium Outpost, £6 from PineCone and £10 fromQuotas postal surveys.

    I’m £1.75 away from a £40 payout from OnePoll - hopefully I might get that before the end of the month.

    All of my surveys have gone towards my only credit card which now stands at about £140. Hoping to get that to £0 by the end of the month.
    Parent loan PAID IN FULL
    Emergency fund £670/£1000. Christmas savings £50/£600 Car maintenance £100/600
    Kitchen July £12,493 NOV £10,493. 18% paid off
    Barclaycard £142
    Car loan £2696 Mortgage £94,992
    TOTAL DEBT (with mortgage) = £108,323 (without mortgage) = £13,331
    • Scott_Weiland
    • By Scott_Weiland 7th Dec 17, 7:07 PM
    • 659 Posts
    • 1,629 Thanks
    Scott_Weiland
    Did you see my post re One Poll apparently the drop down amount is going to 25 for existing member onces they hit 40quid.
    Debts 15981.64 total paid 2078
    Cashback Earnings YTD £167.28 Survey Earnings YTD £552.88
    • louby40
    • By louby40 10th Dec 17, 4:25 PM
    • 1,188 Posts
    • 3,262 Thanks
    louby40
    Yes I had an email about it too! Should be a bit quicker at least.
    Parent loan PAID IN FULL
    Emergency fund £670/£1000. Christmas savings £50/£600 Car maintenance £100/600
    Kitchen July £12,493 NOV £10,493. 18% paid off
    Barclaycard £142
    Car loan £2696 Mortgage £94,992
    TOTAL DEBT (with mortgage) = £108,323 (without mortgage) = £13,331
    • louby40
    • By louby40 11th Dec 17, 7:20 PM
    • 1,188 Posts
    • 3,262 Thanks
    louby40
    Well yesterday was my eldest sons birthday - he was 18!!! So now I have an adult child, I really don't know how that happened.

    He spent the morning with us, bacon sandwiches, cards, gifts and money and then my parents called over on their way to take my nephew and niece home, they bought more cards and money!! We had cake and looked at baby photo's - ahhh!

    I took my son over to his dads as he was going to spend the afternoon with that side of the family. He had a really good birthday and got to buy his dad and grandad a pint in the pub.

    The rest of the day was spent doing very little. It snowed on and off for most of the day and by 8pm we got the text that all our local schools were shut.

    So today has been a snow day!!

    I walked into our village to collect a prescription and bought coffee and a few other bits. Spent 3 hours doing some school work, tackled the ironing and then have chilled and caught up on a bit of TV.
    Parent loan PAID IN FULL
    Emergency fund £670/£1000. Christmas savings £50/£600 Car maintenance £100/600
    Kitchen July £12,493 NOV £10,493. 18% paid off
    Barclaycard £142
    Car loan £2696 Mortgage £94,992
    TOTAL DEBT (with mortgage) = £108,323 (without mortgage) = £13,331
    • SpekySquarehead
    • By SpekySquarehead 12th Dec 17, 9:30 AM
    • 1,757 Posts
    • 13,800 Thanks
    SpekySquarehead
    Sounds like you had a productive day and your son had a family filled 18th.

    Are you all sorted and ready for Christmas?
    Debt Free Date: 29/09/16
    • louby40
    • By louby40 12th Dec 17, 8:16 PM
    • 1,188 Posts
    • 3,262 Thanks
    louby40
    Speky I’m 99% ready, I’m just waiting on one gift from ebay which should arrive tomorrow hopefully.

    Tree is up, cards (the few that I send these days) have been posted and everything is wrapped.

    Looking forward to a restful Christmas and to recharge my batteries.
    Parent loan PAID IN FULL
    Emergency fund £670/£1000. Christmas savings £50/£600 Car maintenance £100/600
    Kitchen July £12,493 NOV £10,493. 18% paid off
    Barclaycard £142
    Car loan £2696 Mortgage £94,992
    TOTAL DEBT (with mortgage) = £108,323 (without mortgage) = £13,331
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