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  • FIRST POST
    • hugglemonster
    • By hugglemonster 25th Jul 16, 8:32 PM
    • 327Posts
    • 1,484Thanks
    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 14
    • hugglemonster
    • By hugglemonster 3rd Nov 17, 10:27 AM
    • 327 Posts
    • 1,484 Thanks
    hugglemonster
    Phew a really busy week again and kids are on half term this week but they're so good that will happily sort themselves out most of the time.

    Things are ticking on although I'll wait and see what my mortgage payment will be like after yesterday's interest rate rise, so annoyed with myself that we're stuck for a bit until we can remortgage to a better rate.

    Anyway we battle on, here's what's happening at the moment:
    * Dd birthday is next week so need to get her prezzies tomorrow whilst she's out with dh for the day.
    * Kitten had first check up at vets yesterday, turns out he is a she so have paid for first 2 injections and first worming tablet.
    * I've brought some little hessian bags to make an advent calendar for the kids, lego have their own version out but at £24.50 so I'm going to buy a cheaper set, break it up and put a few pieces in per day with a chocolate so it builds up over the month!
    *Still putting bits of money into fund for dh to go to Germany, so frustrating that his mate can't say what exact date they're going as I need to sort out childcare etc.
    *Overdraft now gets charged per day so added incentive to pay off, will try and pay off bits and pieces.
    *Waiting on cheque from survey site and others building up.
    * Oh and then there's Xmas, I'm going to write a list of what we can make, we're seeing both sets of family over the festive period so no need to post.
    *Sent in large expenses claim for October which will be a good amount to get before Xmas.

    H x
    Debt: Overdraft 2 £1200/ now £1000 Credit card £2200 now £2050 Car - £8825.44
    PAID - Computer £646.52, Overdraft 1 £2200
    Emergency fund: £50 General savings: £50
    • pennywisepoundstupid
    • By pennywisepoundstupid 3rd Nov 17, 10:46 AM
    • 4,427 Posts
    • 13,811 Thanks
    pennywisepoundstupid
    Everything is looking good Huggle.
    wrong sex of your kitten made me chuckle, will you need a new name for her?
    Be mindful of your self-talk. It's a conversation with the Universe."

    Debt free and saving for my future
    • hugglemonster
    • By hugglemonster 3rd Nov 17, 10:51 AM
    • 327 Posts
    • 1,484 Thanks
    hugglemonster
    No luckily it's called Charlie so can stay the same!
    Debt: Overdraft 2 £1200/ now £1000 Credit card £2200 now £2050 Car - £8825.44
    PAID - Computer £646.52, Overdraft 1 £2200
    Emergency fund: £50 General savings: £50
    • Purplemumof2
    • By Purplemumof2 3rd Nov 17, 11:08 AM
    • 5,268 Posts
    • 18,517 Thanks
    Purplemumof2
    Morning Huggle,

    Sounds good.

    Hope that the mortgage payment won't be too high.

    Have a lovely day xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7000.00 Cap 1: £457.35 BC: £5000.00

    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 4th Nov 17, 4:05 PM
    • 327 Posts
    • 1,484 Thanks
    hugglemonster
    Afternoon all, spending lovely quiet day with ds whilst dh and dd are out until tomorrow, we went into town earlier and got a few things for dd birthday. I love Home Bargains they have great products for a fraction of the cost in other stores e.g. I got her a body spray set which costs £4 in A*da but only £2.49 in there, and some little candles that would be approx. £8 for a posh YC version but an own brand costs 59p!

    I'm taking her to buy some clothes for the rest of her present so she can choose what see wants herself, I would get it completely wrong as she's such a tomboy.

    Yesterday I ordered 3 lego sets, 2 to make the advent calendars and one extra for ds xmas present and they were on 3 for 2 plus arrived within a couple of hours, plus through cashback site.

    Cashed out on a survey site and have sent this over to overdraft, it is really awful seeing the interest added each day yesterday was £1.68 and today £1.67. Payment sent was £18 so should take a couple of pennies off tomorrow's interest. A few surveys done today but nothing else to cash out.

    A load of washing on the line this morning before it starting raining so mostly dry and less time in the tumble dryer plus another load on the airer.

    I phoned pet insurance company to change the sex of the kitten on my policy, the lady was lovely and we had a laugh plus best bit was that it reduced my premium by £38 :-)

    Plans for the evening are to put a bit of washing away and then chill out, tomorrow I'm getting into the garden to tidy it up ready for winter after I've been for a run.

    Hope everyone has a good weekend, H x
    Debt: Overdraft 2 £1200/ now £1000 Credit card £2200 now £2050 Car - £8825.44
    PAID - Computer £646.52, Overdraft 1 £2200
    Emergency fund: £50 General savings: £50
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 4th Nov 17, 6:43 PM
    • 639 Posts
    • 2,519 Thanks
    wishingthemortgaheaway
    There's even gender discrimination in pet policies... who'd have thought?
    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
    • hugglemonster
    • By hugglemonster 7th Nov 17, 11:40 AM
    • 327 Posts
    • 1,484 Thanks
    hugglemonster
    Morning all, just about morning though. Really long day yesterday traveled to a team meeting then on the way back stopped to deliver 2 sessions so out from 0630-2130, boss is hopeful that I'll get some extra days paid. Been to a meeting this morning and will be running 2 more sessions from January for 10 weeks which will be good to prove that I need the extra time.

    Checked overdraft and these daily charges are awful, yesterday it was £1.62 today it was back up to £1.63 I suppose it is a good kick up the bum to pay it off but it's so disheartening. Anyway CB came in today plus a small amount from cashback so I have paid off £143.25 which will bring the daily charge down a bit more, I hope I can keep plugging away at this.

    DD birthday tomorrow and I need to wrap her presents whilst she's at school plus make a cake as she doesn't like shop brought, I will take her out this afternoon to buy some clothes as we are really busy for the rest of the week.

    Tired and sore throat today but so much to do, better crack on!

    H x
    Debt: Overdraft 2 £1200/ now £1000 Credit card £2200 now £2050 Car - £8825.44
    PAID - Computer £646.52, Overdraft 1 £2200
    Emergency fund: £50 General savings: £50
    • hugglemonster
    • By hugglemonster 21st Nov 17, 2:32 PM
    • 327 Posts
    • 1,484 Thanks
    hugglemonster
    Hi everyone, just checking in - still trying to build up funds for DH trip (totally the wrong time of year for him to go but his friend's fault that it was delayed so can't be cross) and getting annoyed with daily overdraft charges!

    I have some quiet days this week and next as my Grandad passed away yesterday, he was in his 90's and had dementia too and basically just gave up in the end. I have to go back to my home town for a few days next week for the funeral and DH will look after the kids here.

    Hope everyone OK, H x
    Debt: Overdraft 2 £1200/ now £1000 Credit card £2200 now £2050 Car - £8825.44
    PAID - Computer £646.52, Overdraft 1 £2200
    Emergency fund: £50 General savings: £50
    • pennywisepoundstupid
    • By pennywisepoundstupid 21st Nov 17, 2:56 PM
    • 4,427 Posts
    • 13,811 Thanks
    pennywisepoundstupid
    So sorry about your Grandad Huggle, sending you hugs.
    Be mindful of your self-talk. It's a conversation with the Universe."

    Debt free and saving for my future
    • abba1772
    • By abba1772 21st Nov 17, 4:43 PM
    • 4,017 Posts
    • 12,304 Thanks
    abba1772
    Aww huggle.......sorry to hear about your grandad xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £4536.82
    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 £6792.72 / £6000
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 21st Nov 17, 6:03 PM
    • 639 Posts
    • 2,519 Thanks
    wishingthemortgaheaway
    Sorry for your loss Huggle. Look after yourself.
    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
    • hugglemonster
    • By hugglemonster 3rd Dec 17, 1:39 PM
    • 327 Posts
    • 1,484 Thanks
    hugglemonster
    I've been home for a couple of days after being back down south for the funeral and seeing friends and family. Glad to be home I've become such a country bumpkin, I can't stand all the traffic and busy towns down there.

    Anyway I'm off to start a new diary, I have a refreshed motivation and lots that I want to do in 2018 but I going to start now - just finalising my title!

    H x
    Debt: Overdraft 2 £1200/ now £1000 Credit card £2200 now £2050 Car - £8825.44
    PAID - Computer £646.52, Overdraft 1 £2200
    Emergency fund: £50 General savings: £50
    • abba1772
    • By abba1772 3rd Dec 17, 2:17 PM
    • 4,017 Posts
    • 12,304 Thanks
    abba1772
    Remember to post the link to you're new diary
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £4536.82
    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 £6792.72 / £6000
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