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  • FIRST POST
    • hugglemonster
    • By hugglemonster 25th Jul 16, 8:32 PM
    • 314Posts
    • 1,440Thanks
    hugglemonster
    Hugglemonster's debt free diary
    • #1
    • 25th Jul 16, 8:32 PM
    Hugglemonster's debt free diary 25th Jul 16 at 8:32 PM
    Hi all welcome to my diary - edited due to similarities with a fellow user which looked a bit strange

    Anyway... I have a few bits of debt that I just need to get rid of and a house that is in need of repair, along with plans for the future involving lots of trips with hubby and the kids. The debt is manageable on a monthly basis but we have slipped recently with our spending so need to get back on top of it and get rid asap.

    I am good at various aspects of money saving i.e. using vouchers, cashback sites, doing surveys etc but have neglected the food menu and shopping list which is our biggest spends area. I'm not going to do an SOA as I already have one written and I know the areas that need addressing.

    Today has been good, I've researched home insurance and got a reduction of £2 per month and cashback of £30, printed off some vouchers and we have eaten at home from food we batch cooked at the weekend. Lots of washing done and mostly dried outside plus some on the airer.

    Not so good lurking in the background is that we are currently without a car (using hire car from insurance comp) as some dingbat drove into the back of me a few weeks ago and we are still waiting for payment so we can get a different one (ours was a write off), we know what we want and payments will be similar to what we have been paying for a bigger car that will be ideal for our needs. I know getting finance for car isn't good but we had such a rotten car before and I need a reliable one for work so that's our luxury.

    I have paid one small debt of £100 off today which is a little boost and have plans for the rest but equally we need to put some money into things around the house that need sorting, therefore I have two lists; Debt, and Savings

    Debt:
    Computer £646.52
    Overdraft 1 £1100
    Overdraft 2 £1500
    Credit card £2200
    Car - not even going there at the mo!

    Savings/to buy:
    Skip - to clear rubbish from 'The Great Big Declutterathon'
    Carpet for dd bedroom
    Curtains and curtain pole for dd bedroom plus new drill
    dd new school uniform as going to High School in September
    dd and ds school shoes
    ds birthday (August)
    bark chippings for back garden areas

    There is much, much more to save for and buy but this is my current list, so on the debt front I will be concentrating on the computer first as this is the smallest amount and then will snowball the monthly payments.

    Thanks for reading, wish me luck and hard work begins now.

    Hugglemonster x
    Last edited by hugglemonster; 11-08-2016 at 4:14 AM.
Page 13
    • hugglemonster
    • By hugglemonster 3rd Aug 17, 9:25 PM
    • 314 Posts
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    hugglemonster
    Evening x

    No payments today but we are enjoying a bottle of wine each whilst kids are at my parents as today we had some good news, dh had inquired about working in a different department at his work as it's more pay and more opportunity to learn different parts of the trade so if 10 years time when the place may close he has more chance of applying for jobs and being successful. However it meant 10 hour days and alternate weekends plus he wouldn't have his company van so would have to get another car.

    His 2 bosses of his department wanted to keep him and the regional manager also had good things to say about him so they've given him a 10% pay rise from 1st August plus he works his usual 8 hours and has his van plus he can still learn different aspects of the job. He's on a massive high this evening!

    So I'm thinking pay off debt quicker and still be able to save a bit, not sure what dh is thinking but I'm sure we'll find an even balance

    H x
    Debt: Overdraft 2 £1200/ now £1000 Credit card £2200 now £2050 Car - Lots!!
    PAID - Computer £646.52, Overdraft 1 £2200
    Emergency fund: £50 General savings: £50
    • pennywisepoundstupid
    • By pennywisepoundstupid 3rd Aug 17, 9:56 PM
    • 4,365 Posts
    • 13,257 Thanks
    pennywisepoundstupid
    Wow! That is fantastic news, enjoy the wine and child free evening.
    Be mindful of your self-talk. It's a conversation with the Universe."

    £150/£35 - Christmas (basically by 24th December)
    £130 - DD tutor (have until 6th Jan,but want it saved by end of year)
    £90 - DD Pony Feet/worming etc (9th Jan)
    • abba1772
    • By abba1772 5th Aug 17, 5:16 PM
    • 3,975 Posts
    • 11,894 Thanks
    abba1772
    Congratulations to the hubby that's brilliant news xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £4791.47
    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90
    POAMAYC 2017 £6029.74 / £6000
    • hugglemonster
    • By hugglemonster 5th Aug 17, 6:04 PM
    • 314 Posts
    • 1,440 Thanks
    hugglemonster
    Good evening still buzzing in the Huggle household and dh received the conformation letter about the rise in the post this morning, he's chuffed to bits.

    No changes or payments over the last couple of days, I took the car in for a service and MOT yesterday and then ran the 6 miles home, got a message from the garage that car was ready by 11am so popped over to get it. No problems and no extra money spent as we have a service plan which is good news.

    Spent the rest of the day relaxing and today we have blitzed the house, had a lovely lunch and I've been for another run, Just about to watch the evening session of the World Champs and will have an easy tea of 'have a look at what's in the fridge' sort of meal!

    H x
    Debt: Overdraft 2 £1200/ now £1000 Credit card £2200 now £2050 Car - Lots!!
    PAID - Computer £646.52, Overdraft 1 £2200
    Emergency fund: £50 General savings: £50
    • pennywisepoundstupid
    • By pennywisepoundstupid 5th Aug 17, 7:28 PM
    • 4,365 Posts
    • 13,257 Thanks
    pennywisepoundstupid
    All sounding good, have a great weekend.x.
    Be mindful of your self-talk. It's a conversation with the Universe."

    £150/£35 - Christmas (basically by 24th December)
    £130 - DD tutor (have until 6th Jan,but want it saved by end of year)
    £90 - DD Pony Feet/worming etc (9th Jan)
    • hugglemonster
    • By hugglemonster 9th Aug 17, 7:40 PM
    • 314 Posts
    • 1,440 Thanks
    hugglemonster
    Hi all, had a lovely weekend with hubby and the kids and have been pottering around the house the last couple of days. The lad came to knock out the cupboard from ds room a day early today as his other job wasn't ready, it suits me better actually as we can concentrate on packing for the long weekend tomorrow.


    Surveys have been slow but I've made a payment to overdraft of equal to the charges added so still at £690 to pay on account.


    DS room looks so much bigger even though it was a small cupboard taken out, next step will be to get the carpenter to change skirting boards, door frame, hang door, change a piece of wood on base covering top of stairs but will have to wait until after we've been to London and DS birthday is next week. Really excited that some parts of the house are starting to look nice and not like a wreck!


    Ooh and I've discovered the delights of leek and potato soup, delicious!


    H x
    Debt: Overdraft 2 £1200/ now £1000 Credit card £2200 now £2050 Car - Lots!!
    PAID - Computer £646.52, Overdraft 1 £2200
    Emergency fund: £50 General savings: £50
    • Purplemumof2
    • By Purplemumof2 10th Aug 17, 7:59 AM
    • 5,357 Posts
    • 18,336 Thanks
    Purplemumof2
    Morning H,

    Well done to Mr Huggle on the pay rise, what a boost

    Yay to the surveys and the payment.

    Hope that there's not too much mess with the home improvements.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7100.00 Cap 1: £533.40 BC: £5090.00

    AFD 0/10 NSD 0/10 LTW 0/10

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 11 2018 #003
    • pennywisepoundstupid
    • By pennywisepoundstupid 10th Aug 17, 9:15 AM
    • 4,365 Posts
    • 13,257 Thanks
    pennywisepoundstupid
    Morning.

    Sounds as though you have had a great few days pottering and great news about DS room cupboard coming out.

    Take care.x.
    Be mindful of your self-talk. It's a conversation with the Universe."

    £150/£35 - Christmas (basically by 24th December)
    £130 - DD tutor (have until 6th Jan,but want it saved by end of year)
    £90 - DD Pony Feet/worming etc (9th Jan)
    • hugglemonster
    • By hugglemonster 15th Aug 17, 10:50 AM
    • 314 Posts
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    hugglemonster
    We're back from an amazing weekend in London, we were lucky enough to see all the Athletics action on Saturday morning and the fantastic evening session our voices were almost lost at the end of the day! I've never experienced anything like it before. We were sitting at the end of the stadium where a certain Mr MSE was commentating so that was a bonus as well as all the other highlights from the night.

    It was strange that I bumped into 2 people I know during the day always a bit freaky when that happens but I suppose the as they're in the same line of work as me. On the Sunday we did the tourist thing and went to the Natural History museum and then went into the city to meet up with my best friend and her husband who traveled in to see us as they live not too far away.

    It was an expensive weekend (£5.80 for a pint of beer ) but well worth it and dh met up with an ex army friend who he hadn't seen for 24 years.

    So now I'm doing the washing and have broken ynab with the outgoings from the weekend, we are officially brassic and somehow I need to find money to cover the cost of fuel, food and ds birthday on Thursday until I get paid next Friday. It's going to require some creative thinking and I'm determined not to dip in to the overdraft that I've made great inroads to get down this month.

    I need to catch up with diaries and see how you're all doing, surveys are very slow at the moment hope that changes soon.

    H x
    Debt: Overdraft 2 £1200/ now £1000 Credit card £2200 now £2050 Car - Lots!!
    PAID - Computer £646.52, Overdraft 1 £2200
    Emergency fund: £50 General savings: £50
    • Purplemumof2
    • By Purplemumof2 15th Aug 17, 11:05 AM
    • 5,357 Posts
    • 18,336 Thanks
    Purplemumof2
    Sounds like you had an amazing time xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7100.00 Cap 1: £533.40 BC: £5090.00

    AFD 0/10 NSD 0/10 LTW 0/10

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 11 2018 #003
    • hugglemonster
    • By hugglemonster 6th Sep 17, 9:51 AM
    • 314 Posts
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    hugglemonster
    **Sneaks back in, slaps wrist for not budgeting very well as usual**

    The kids are back to school this morning so it's very quiet in the house, in fact they were ready an hour early and had to chill out!

    It has been a relaxed couple of weeks as I knew that we were scraping by to get to the end of the month but looking at the figures today I really don't know how we're going to get through September. On ynab after direct debits and regular payments has been allocated there is £8 left and there is still food, fuel and climbing money to pay for at the minimum. I have scraped odd pounds from survey sites to boost the coffers but still need some more income to get by.

    I am seriously not moaning, it was my decision to go part-time and I'm loving it, I just need to get my thinking cap on.

    Some funds to come in:
    * My expenses from July which I've asked my boss about twice now as well overdue.
    * Child Benefit next Tuesday.
    * Expenses from August, which looking at number one I don't hold much hope of getting before pay day.

    Other than that I'm stuck, I've already had to use some of the overdraft that I have been paying off so really annoyed with myself. I have a few things to sell but no takers at the mo, but the biggest area I still need to sort is food budget it is definitely our weakness

    I can't mention it to dh as he had his great pay rise and I assured him we would mange on my reduced wages, I just need to crack on and deal with it.

    Right need to come up with a plan

    H x
    Debt: Overdraft 2 £1200/ now £1000 Credit card £2200 now £2050 Car - Lots!!
    PAID - Computer £646.52, Overdraft 1 £2200
    Emergency fund: £50 General savings: £50
    • hugglemonster
    • By hugglemonster 6th Sep 17, 9:57 AM
    • 314 Posts
    • 1,440 Thanks
    hugglemonster
    Oh my goodness, just checking through my emails and I completely forgot about a £10 T*sco gift voucher I have to print out! Done that now and that will help quite a bit!
    Debt: Overdraft 2 £1200/ now £1000 Credit card £2200 now £2050 Car - Lots!!
    PAID - Computer £646.52, Overdraft 1 £2200
    Emergency fund: £50 General savings: £50
    • hugglemonster
    • By hugglemonster 13th Sep 17, 12:10 PM
    • 314 Posts
    • 1,440 Thanks
    hugglemonster
    Folks I need your advice/help, I sorry that I'm not posting on other people's diaries and just taking at the minute.

    Last night my dh had a breakdown it was bad enough that I ended up calling the H4H emergency helpline to try and get him to speak to them but he just couldn't stop crying, I spoke to a lovely chap and got some information about different support that is available for him and me too. This breakdown came after 3 days of drinking and therefore missed work for 2 days.

    I managed to get him in to bed at 1830 last night and he slept most of the night although I heard him get up a couple of times to get some juice and something to eat (he hasn't eaten properly the last few days), he's gone to work today and is exhausted and apologetic. I spoke to him earlier as he wondered whether to speak to his boss, I suggested whether taking some time off sick might help or actually whether the routine of working is better for him - he's having a think.

    Anyway my thoughts are obviously about the debt and income, I can't get another job at present as I think I need to be at home plus I'd be more stressed as I'm really busy with the job I have. However the debt is making me stressed and trying to budget is hard going at the minute, I can't talk to him about it as he'd be even more stressed out and anxious.

    I've tried to sell some things but having no luck with a couple of big things, surveys are slow and the kids are bringing back letters about music lessons and other stuff at school.

    What a change in just a few weeks when we were doing so well

    Anyway after all that I guess I'm asking what shall I do about the debt, everything is maxed out again so back to square one, where shall I start?

    Thanks H x
    Debt: Overdraft 2 £1200/ now £1000 Credit card £2200 now £2050 Car - Lots!!
    PAID - Computer £646.52, Overdraft 1 £2200
    Emergency fund: £50 General savings: £50
    • abba1772
    • By abba1772 13th Sep 17, 1:54 PM
    • 3,975 Posts
    • 11,894 Thanks
    abba1772
    Sorry to hear your hubby had a breakdown that must have been very scary for you and for him........does he normally drink three days in a row??? I think most employers now are more sympathetic to those who suffer from mental health issues / breakdowns xx. Best get him to a doctor to see if they can help in any way xx

    As to the debt being back to square one my hubby is hardly bringing anything home from his new business at the moment and we have a rigid budget but we just need to keep plodding on xx

    If your hubby has a pay rise why are you trying to survive on your part time wages or have I got that wrong???
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £4791.47
    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90
    POAMAYC 2017 £6029.74 / £6000
    • hugglemonster
    • By hugglemonster 17th Oct 17, 8:32 PM
    • 314 Posts
    • 1,440 Thanks
    hugglemonster
    Back with a few changes
    Hi, thanks Abba for your message and sorry I didn't reply I think I needed some time out to deal with things at home. Since I last posted DH has been much better, he hasn't taken the next step of talking to someone about his awful memories but we've talked about how bad that night was, his drinking and how I'm worried about him. He's not drinking much as back out running and I'm not sure it will be the last time that he has a breakdown like that but I'll be there for him if/when it does.

    OK so on to finances, we have been very lucky in the last couple of weeks that DH parents house sale was completed and they transferred enough money to completely wipe out our big overdraft and a bit extra to buy a few small things for the house. This means that I can budget clearly with a balance in the black for the first time in years. I do need to phone the bank to get them to reduce the overdraft limit now.

    DD and my mobile contracts were up for renewal so we've both gone to a sim only deal with more data and the same unlimited calls and texts. Monthly payments have gone down from £28 to £10 each.

    A little bit of extra expense each week is now on our new kitten, he is gorgeous and I shopped around for insurance and have got £50 cashback sitting waiting to be confirmed. I do need to book him in at the vets for his first check up and injections etc.

    Currently I am focusing on saving spending money for dh trip which will now be in December and have started the two savings funds, and also preparing for Xmas. In the new year we will then concentrate on finishing ds bedroom and I'll pay off extra on the other overdraft. I've redone the budget tonight and I'm aiming to try and stick to just our wages with the CB and any expenses I get going to debts and savings.I'm still doing surveys too.

    MSE things today:
    * Currently in the process of sorting attic, took out built in horrible desk from under stairs and put in desk from upstairs and sorted through items as I went along. Have a little printer to sell on FB plus some books.
    * Surveys done.
    * All meals at home plus dinner for tomorrow defrosting as will be a busy evening and need a quick tea.
    * Washing dried on line.

    H x
    Debt: Overdraft 2 £1200/ now £1000 Credit card £2200 now £2050 Car - Lots!!
    PAID - Computer £646.52, Overdraft 1 £2200
    Emergency fund: £50 General savings: £50
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 17th Oct 17, 11:14 PM
    • 572 Posts
    • 2,194 Thanks
    wishingthemortgaheaway
    I got my washing dry on the line today. Meant the washing basket was empty and no wet clothes hanging round for at least two hours today. Winning!
    The 100 payment countdown (each payment = £400)
    2017 July : £36,800 8/100 Aug: £36,411.85 8/100 Sep: £35,945.66 10/100 Oct: £35,500 11/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • abba1772
    • By abba1772 18th Oct 17, 4:18 PM
    • 3,975 Posts
    • 11,894 Thanks
    abba1772
    That was nice of dh parents bet your glad an overdraft is gone xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £4791.47
    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90
    POAMAYC 2017 £6029.74 / £6000
    • hugglemonster
    • By hugglemonster 19th Oct 17, 12:07 PM
    • 314 Posts
    • 1,440 Thanks
    hugglemonster
    Busy day yesterday, went to a meeting that my boss from Cardiff asked me if I could attend with him the day before and luckily I was free! I asked him about getting another day paid and throughout the day when we were chatting to local authority reps then mentioned how much work I do in the area. Not sure if it will amount to anything but my other boss on my other part of the same company is trying to get me more hours anyway.

    Updated ynab this morning and transferred some money to dh trip money pot after a sale on FB and some survey money came in, it now stands at £155.50/£500.

    Chatted to dh about sitting down with me each month and setting the budget so i don't have to deal with it all, so will do this on Tuesday as we are away in different places this weekend and I work on Monday evenings, Tuesday is also my payday.

    Off out to work soon then will be out for the rest of the day, off tomorrow before I drive down south in the afternoon ready for a conference and awards dinner on Saturday, I need to get a cheap dress and shoes but accommodation paid for and will get mileage back. Home on Sunday morning.

    H x
    Debt: Overdraft 2 £1200/ now £1000 Credit card £2200 now £2050 Car - Lots!!
    PAID - Computer £646.52, Overdraft 1 £2200
    Emergency fund: £50 General savings: £50
    • Purplemumof2
    • By Purplemumof2 19th Oct 17, 1:08 PM
    • 5,357 Posts
    • 18,336 Thanks
    Purplemumof2
    Hi Huggle,

    Fantastic news about the OD being cleared, what a lovely present from the inlaws

    Really glad you managed to have a talk with DH, I'm sure that has helped and hopefully, he'll be able to move to talking to someone specialised in these things.

    Yay to the more hours...will be keeping my fingers crossed that that happens for you x
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7100.00 Cap 1: £533.40 BC: £5090.00

    AFD 0/10 NSD 0/10 LTW 0/10

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 11 2018 #003
    • hugglemonster
    • By hugglemonster 24th Oct 17, 2:25 PM
    • 314 Posts
    • 1,440 Thanks
    hugglemonster
    Hi all,
    A very busy weekend away for work but all good since I spent hardly anything as meals and accommodation paid for (very nice hotel!) and a lovely awards evening with some famous athletes was great. My dh and dd went out for the day/night with friends and my ds stayed at my parents so it was lovely to all be back together on Sunday night.

    Updated ynab this morning, payday is tomorrow (just can't read calendar!) all regular payments budgeted for just need to spend as little as possible on food and fuel this month plus we have dd birthday.

    Finally made it to payout level on a survey site so £50 will be winging it's way over at the end of the month, I need to check the other sites this afternoon.

    Am shattered today so just spending the rest of the day pottering around the house cleaning and tidying then tomorrow I need to do a shed load of work.

    H x
    Debt: Overdraft 2 £1200/ now £1000 Credit card £2200 now £2050 Car - Lots!!
    PAID - Computer £646.52, Overdraft 1 £2200
    Emergency fund: £50 General savings: £50
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