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  • FIRST POST
    • GunShotResidue
    • By GunShotResidue 27th Jun 16, 12:52 PM
    • 47Posts
    • 194Thanks
    GunShotResidue
    Sorting out my life!
    • #1
    • 27th Jun 16, 12:52 PM
    Sorting out my life! 27th Jun 16 at 12:52 PM
    Hi all I have been lurking on MSE for a while but don't tend to post much as I'm very shy, so please be nice!


    We owe £6679.55, £1950 on a 0% interest credit card and the rest is a loan at about 3%. I want to pay off the credit card first and then stop using it (I know that's the wrong way round but I want to make sure it's all paid off before going back to around 20%).


    I have a 3 week old son and a 2 year old daughter and I've been doing very little recently. As well as paying off the debt by the end of next year, I want to get back into meal planning, lose about 75lbs, do more with the kids, and get back on top of the housework. I'm hoping this diary will stop me being lazy!
Page 2
    • GunShotResidue
    • By GunShotResidue 23rd Aug 16, 12:33 PM
    • 47 Posts
    • 194 Thanks
    GunShotResidue
    Oh no! I always panic around MOT time. We bought a car that was only a few years old on finance a few years ago hoping it would put an end to our car troubles.... it didn't! It broke down dramatically and we ended up scrapping it and getting a loan to pay off the finance, which is what we're now trying to pay off!


    Next month I want to replenish our emergency savings, then in October I'll start paying extra off the loan again.
    • GunShotResidue
    • By GunShotResidue 18th Aug 17, 11:01 AM
    • 47 Posts
    • 194 Thanks
    GunShotResidue
    We went off track for a few months, but we are now -£4350. If we stick to my carefully planned out... plan, we should be debt free by June next year. We have never been less than a year away before, we keep getting close and then the car breaks down or there is a big event or we just get sloppy with budgeting, and then we're back to 14-16 months to go. So I'm really proud that we only have 10 months left.


    Our phone contracts finished a few months back, we were sensible and are keeping our current phones and just paying £15 each for sim only contracts. After the debt is gone we will keep these contracts and buy reconditioned phones, so we have to save for them before getting them rather than paying it off through contract afterwards. Slowly working towards making better financial decisions!


    We are going on holiday next month, but we should be able to pay off £350.01 (to get us below four grand!). Fingers crossed it will be a good month
    • GunShotResidue
    • By GunShotResidue 29th Sep 17, 9:11 AM
    • 47 Posts
    • 194 Thanks
    GunShotResidue
    We owe less then £4000 (£3949.99!) and still on track for June next year! If I can find an extra £200 between now and then, I can push it to May
    Our holiday this month cost more than I expected so its only today (payday) I've managed to get under four grand, but the holiday was so worth it. The kids loved it and we have some really lovely memories.


    I have hyperpigmentation on my face and have been lusting after a serum for a while. I found an offer last night for £25 off £50. The serum is £26 on its own and I had already decided to buy it with the 'pocket money' me and my husband allow ourselves each month, so I made the most of the offer and bought two Christmas presents that are essentially free!
    • GunShotResidue
    • By GunShotResidue 31st Oct 17, 11:24 AM
    • 47 Posts
    • 194 Thanks
    GunShotResidue
    Pay day today, so we now owe £3600 (or will tomorrow when the loan DD goes out). I am going to try and comment every pay day to keep me on track. According to my spreadsheet we are still on track for June next year. Christmas and New Year always throw us off, but I have a bit saved up already and have bought some gifts. I will pay £400 off the debt at the beginning of the month, and then, taking into account the interest adjustment we haven't yet had on the loan, we will have less than 3 grand left to pay.


    I read back my first post earlier and, although we got off track with the debt for a while, I am proud of how far I've come since starting the thread. I said that I wanted to lose about 75lbs, I've lost about 35 since then, although I still want to lose the other 40! I'm going to the gym 2-3 times a week and trying to focus on drinking more water and eating less sugar.


    I am meal planning (I've managed to get our food budget down to £150 a month) pretty much on top of the housework and I am getting better at doing things with the kids. We do a kids yoga video each morning, then read a few library books and sing some songs with actions. I want to start doing a sensory play or craft activity every weekday, I'm going to start finding cheap ideas on pinterest and really get into it after Christmas.
    • SunshineBecks
    • By SunshineBecks 12th Nov 17, 9:07 PM
    • 46 Posts
    • 81 Thanks
    SunshineBecks
    Just rea through your diary, you are doing so well especially with 2 young children.

    Good luck with the rest of your journey- your debt free date is very close!

    Becks x
    Halifax CC £4583.88 £3660 Aqua CC: £300 £242.20 Capital one: £200 £0 Santander OD £500 £464 Very: £1050 £658.98 TSB OD: £100 Family debt: £300
    Total paid off so far: £1608.62
    Emergency Fund: £0
    Trying to become debt free by Feb 2019 and build up those savings!
    • GunShotResidue
    • By GunShotResidue 14th Nov 17, 11:56 AM
    • 47 Posts
    • 194 Thanks
    GunShotResidue
    Good luck with the rest of your journey- your debt free date is very close!
    Originally posted by SunshineBecks

    Thank you I hope so! We keep getting close then something goes wrong and we end up more than a year away again, so fingers crossed!
    • GunShotResidue
    • By GunShotResidue 8th Jan 18, 3:18 PM
    • 47 Posts
    • 194 Thanks
    GunShotResidue
    I'm so rubbish at updating this!


    Last month we needed two new tyres, so we couldn't pay off as much as I'd hoped, we owe £3100 now, but are still due an interest adjustment which would take us to just under £3000. At the end of this month we should be able to pay off £500ish. We are planning to pay off the loan in March and the Credit card in June (actually the last day of May), this year! Very excited.


    Moneywise, after paying off our debt ASAP, this year I want to start saving for a deposit for a house. I am doing surveys and will be saving the vouchers for Christmas presents. I've done some work for my dad over Christmas (which I'll probably be paid for next month and put it all off the loan) and hopefully he'll have some more work for me this year. I'm also planning ahead for September 2019 when my youngest will start school and I hope to start working part time. I'm planning batch cooking to keep our food bill low and will be looking out for offers on freezer proof pyrex dishes and a giant saucepan.


    Other New Year Resolutions: I put on weight over Christmas, so now have about 50lbs to lose again! I am trying to hit 10000 steps every day and have managed it so far, but mostly buy making use of my sister's treadmill in the evenings! Now we're back home I'll have to start going for walks but today I've been doing surveys while walking on the spot as it's so cold outside. I'll be going back to the gym on Wednesday. Our food bill is £150 a month but I'm going to look at raising it to £200 and shopping more sustainably, using local farmers markets and butchers and minimising the amount of plastic and cellophane we buy. My daughter starts full time school this year and I want to start doing more things with her while she's still home for most of the day. I also want to spend more time with my husband when we're not on our phones! And I need to sort out my anxiety as it is getting worse. So lots to think about!
    • GunShotResidue
    • By GunShotResidue 10th Jan 18, 6:47 PM
    • 47 Posts
    • 194 Thanks
    GunShotResidue
    Updating again because I'm excited about what I've achieved today but no one in real life would care!


    Yesterday I went to a local butcher while I was in town and bought 2 chicken thighs and some mince for £6.27. We had 1/4 of the mince in a Chilli Con Carne last night and I was really impressed with the quality. I used 150g instead of my usual 250g of cheaper stuff and once the fat and water had cooked off it looked about the same! Then I saw an offer from the same butcher for £70 worth of meat for £50, so today I went and picked that up and I've just split it into 30 (fairly small) portions for the freezer. Including the meat I bought yesterday, it averages as £1.61 per meal. It seems like a lot to me, considering I've spent the last year getting the average down to about 70p a meal! But it is such good quality, it is local produce and much lower in fat than what we usually get. And there's much less plastic packaging We have one meat free day a week (pizza this week, bean enchiladas next) so the meat should last us until around the 20th of February. I also picked up some pearl barley from Tesco (a family favourite) and have a load of other beans and pulses to bulk out the meat and make it healthier.


    I went back to the gym today and enjoyed it a lot more than I thought I would. I've signed up to do a Woman's Self Defence class on Friday (free with my membership) and I'm excited and incredibly scared! I'm very nervous around people and always feel really self conscious, but I'm also too nervous to phone and cancel so I will have to force myself to do it! I did some painting with my daughter this morning and tomorrow she wants to help me make the pizzas. So I've been doing fairly well with my resolutions, other than eating lots of chocolate biscuits!
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