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  • FIRST POST
    • louby40
    • By louby40 17th Jun 16, 7:57 AM
    • 1,286Posts
    • 3,534Thanks
    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 34
    • louby40
    • By louby40 7th Dec 17, 6:25 PM
    • 1,286 Posts
    • 3,534 Thanks
    louby40
    Surveys are looking good.

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

    I!!!8217;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.
    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
    • Scott_Weiland
    • By Scott_Weiland 7th Dec 17, 7:07 PM
    • 783 Posts
    • 1,952 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.
    Cashback Earnings YTD £45.53 Survey Earnings YTD £177.66
    "Always always train, be the best version of you that you can physically be"
    • louby40
    • By louby40 10th Dec 17, 4:25 PM
    • 1,286 Posts
    • 3,534 Thanks
    louby40
    Yes I had an email about it too! Should be a bit quicker at least.
    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 11th Dec 17, 7:20 PM
    • 1,286 Posts
    • 3,534 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.
    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 12th Dec 17, 9:30 AM
    • 1,825 Posts
    • 14,448 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
    • 1,286 Posts
    • 3,534 Thanks
    louby40
    Speky I!!!8217;m 99% ready, I!!!8217;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.
    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 14th Dec 17, 7:53 AM
    • 1,286 Posts
    • 3,534 Thanks
    louby40
    Just waiting on 75p to then cash out £40 on OnePoll - fingers crossed I can do it by next week but at 10p /15p a survey it could take a while.
    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 15th Dec 17, 2:39 PM
    • 1,286 Posts
    • 3,534 Thanks
    louby40
    Now I'm waiting on 5p - OnePoll don't add surveys over the weekend so it will be Monday before I can get to £40 and cash out!
    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 17th Dec 17, 9:01 AM
    • 669 Posts
    • 2,641 Thanks
    Honeysucklelou2
    Wow, you're organised...I've still got to wrap presents and get a few more cards written. When does your term end?
    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 17th Dec 17, 2:04 PM
    • 1,286 Posts
    • 3,534 Thanks
    louby40
    We finish on Tuesday! We have a trip tomorrow afternoon, party on Tuesday morning and then church on Tuesday afternoon. It was all re-jigged because our trip was cancelled on Friday because the roads around our school were dangerous. Three cars got stuck and one crashed.

    It's going to be crazy! But i'm quite looking forward to it!
    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 19th Dec 17, 9:45 PM
    • 1,286 Posts
    • 3,534 Thanks
    louby40
    School is done. I!!!8217;m shattered, in bed already!
    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 20th Dec 17, 5:33 AM
    • 669 Posts
    • 2,641 Thanks
    Honeysucklelou2
    Well done! Enjoy that end of term feeling. End of term today for me.
    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 20th Dec 17, 4:59 PM
    • 1,286 Posts
    • 3,534 Thanks
    louby40
    Yay! Enjoy your break with your lovely family!
    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 21st Dec 17, 8:15 AM
    • 5,942 Posts
    • 21,263 Thanks
    mummytogirls
    Yay to making it to the holidays Louby, enjoy xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6069.37 - 02/01/18 - 73.80% paid off
    • louby40
    • By louby40 22nd Dec 17, 4:34 PM
    • 1,286 Posts
    • 3,534 Thanks
    louby40
    Well shopping is all done. Everything is wrapped and ready!

    Had my eyes tested yesterday and had to have new glasses, not really budgeted for this but will dip into my savings if needed. I've had a pair of glasses plus a pair of sunglasses for £90 which I thought was pretty good.

    I've been to a funeral today of an old school friend. She was 48. We were friends from primary school but hadn't really kept in touch apart from the odd Facebook post. It was very sad - standing room only! She leaves behind her husband and her 18 year old daughter.

    Life is so short! Live it!
    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 23rd Dec 17, 6:39 PM
    • 5,942 Posts
    • 21,263 Thanks
    mummytogirls
    So glad you're all ready Louby.

    How sad about your old school friend. I really hate stories like this when young people leave behind young family . Reminders that we must live our life to the full... without adding to the debt of course xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6069.37 - 02/01/18 - 73.80% paid off
    • Poor_Single_lady
    • By Poor_Single_lady 24th Dec 17, 11:35 AM
    • 1,220 Posts
    • 4,760 Thanks
    Poor_Single_lady
    Happy Christmas Louby. Hope you are all ready. xxx
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • mummytogirls
    • By mummytogirls 24th Dec 17, 9:55 PM
    • 5,942 Posts
    • 21,263 Thanks
    mummytogirls
    Louby xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6069.37 - 02/01/18 - 73.80% paid off
    • louby40
    • By louby40 28th Dec 17, 7:36 AM
    • 1,286 Posts
    • 3,534 Thanks
    louby40
    Thanks - we had a really lovely Christmas.

    My brother visited, he lives in London and left on bad terms 2 years ago. My parents haven!!!8217;t seen him since then although they have text and spoken on the phone. I!!!8217;ve seen him many times when we!!!8217;ve been in London.

    His nephews and niece have all grown beyond recognition- they loved seeing him. He!!!8217;s their fave uncle.

    I feel really fat and bloated after over indulging quite a bit but DP bought me a new Fitbit which is fancier than my old one so it!!!8217;s motivyed me to go out for 2 walks since Christmas Day and am off to the gym this morning.

    I also spent £900 in the sales!!!! I bought a table and chairs for my new kitchen as we!!!8217;re desperate for them. Also bought 2 comfy chairs for the seating area and a lamp. My kitchen is large and very echoey. It needs finishing off. I still need to paint one wall and buy blinds.

    I!!!8217;ve saved about £300 buying in the sales. I do have it saved but have shifted it to a 0% credit card and will pay it off as quick as I can. I know I shouldn!!!8217;t add to my debt but at least it!!!8217;s on 0% and controlled.

    Trouble is the chairs aren!!!8217;t coming until March........!
    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 28th Dec 17, 10:14 AM
    • 5,942 Posts
    • 21,263 Thanks
    mummytogirls
    Sounds like youve had a lovely Christmas Louby .

    Yay to the sale items! If you're looking for something totally best time to buy.

    Hope the gym isn't too bad today!! xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6069.37 - 02/01/18 - 73.80% paid off
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