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  • FIRST POST
    • louby40
    • By louby40 17th Jun 16, 7:57 AM
    • 1,278Posts
    • 3,519Thanks
    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 37
    • louby40
    • By louby40 6th Feb 18, 6:37 PM
    • 1,278 Posts
    • 3,519 Thanks
    louby40
    I have no idea what!!!8217;s going on with my posts - they are perfectly normal until I hit post! Then something happens to them? Only seems to happen on my own diary. Not when I post on others?? Very strange?
    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 Feb 18, 5:26 PM
    • 1,278 Posts
    • 3,519 Thanks
    louby40
    I emailed the forums tech people but not really heard anything. So this is my test post.

    I did have to re-set my password so maybe that has something to do with 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 11th Feb 18, 8:59 PM
    • 1,278 Posts
    • 3,519 Thanks
    louby40
    Looks like it!!!8217;s fixed!

    Finances are plodding along. One more week of work then it!!!8217;s half term. So ready for a break.

    6 NSD so far this 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
    • louby40
    • By louby40 11th Feb 18, 9:00 PM
    • 1,278 Posts
    • 3,519 Thanks
    louby40
    Oh no!!!!! Itís not fixed. Post #722 was on my laptop & #723 on my iPad
    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
    • ramblehan
    • By ramblehan 14th Feb 18, 10:56 AM
    • 492 Posts
    • 1,050 Thanks
    ramblehan
    Tech issues making me chuckle!
    If everything is ok, don't feel guilty about a treat...and you usually need clothes as well as want them so a useful spend. Did you see the YNAB post about wish farms, perhaps this might be a way to give you guilt free permission for a treat!
    Hope you get your naughty computer back on the straight and narrow xxx
    • ramblehan
    • By ramblehan 15th Feb 18, 10:21 AM
    • 492 Posts
    • 1,050 Thanks
    ramblehan
    Hey Louby - Found this one someone else's post - you are not the only one having issues!

    "To get rid of apostrophes coming out as numbers if you are using apple device, Go to settings and general and turn Smart Keyboard off. That seems to do the trick."
    • Scott_Weiland
    • By Scott_Weiland 15th Feb 18, 10:27 AM
    • 781 Posts
    • 1,950 Thanks
    Scott_Weiland
    or just buy a Samsung lol Apple sucks lol
    Cashback Earnings YTD £33.21 Survey Earnings YTD £175.16
    "Always always train, be the best version of you that you can physically be"
    • louby40
    • By louby40 18th Feb 18, 8:44 AM
    • 1,278 Posts
    • 3,519 Thanks
    louby40
    Ramblehan you are a star.....well you are if this works lol

    Scott, my DP has just gone to Android, my 2 teenage lads are like....."why?, why would you even do that?" They are total lovers of Apple.

    I'm the same really, I do love my Apple devices!
    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 18th Feb 18, 8:47 AM
    • 1,278 Posts
    • 3,519 Thanks
    louby40
    So it appears to have worked.

    Off to London at 10am for a few days. Hoping my budget stretches, Ive money put aside but it never seems to be enough. 2 drinks can be £10-12 a go down there. We have a bag full of porridge pots, granola and UHT milk, we've got a fridge in our room and aren't having breakfast. Also got ham rolls for on the train! MSE all the way!
    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
    • Cumbria lass
    • By Cumbria lass 18th Feb 18, 8:50 AM
    • 1,365 Posts
    • 7,805 Thanks
    Cumbria lass
    Have a great time Louby , loving your MSE breakfasts .

    Happy breakaway.
    Jan 2018 CC1 £3099 CC2 £220

    Debt Free Nov 2019: earlier if I have my way
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